tallyko

Tallyko Terms of Use

Effective date: August 2, 2026
Last updated: August 2, 2026

These Terms of Use ("Terms") are an agreement between you and Tallyko, operated by Manuel Pineda ("Tallyko," "we," "us," or "our"). They govern your use of the Tallyko mobile application and related services (the "Service").

By creating an account, purchasing a subscription, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 13 years old to use Tallyko. If you have not reached the age of legal majority where you live, you may use Tallyko only with permission from a parent or legal guardian who agrees to these Terms. You may not use the Service if applicable law prohibits you from doing so.

2. What Tallyko Provides

Tallyko is a personal finance organization tool for manually recording and reviewing accounts, transactions, transfers, budgets, receipts, savings goals, recurring items, loans, and related information. It may also provide notifications, widgets, automated calculations, receipt scanning, and an AI assistant.

Tallyko is not a bank, financial institution, money transmitter, lender, investment adviser, tax adviser, accountant, or law firm. It does not hold, transfer, or manage your money and does not connect directly to your financial institution.

3. Your Account

You agree to provide accurate account information, keep your login credentials and devices secure, and promptly notify us of suspected unauthorized access. You are responsible for activity performed through your account unless applicable law provides otherwise.

You may use email and password authentication or Sign in with Apple when available. Do not share an account in a way that compromises another person's privacy or the security of the Service.

4. Tallyko Pro Subscriptions

Tallyko offers free features and optional auto-renewing Tallyko Pro subscriptions. The free plan currently supports core tracking features and up to two financial accounts. Tallyko Pro currently includes unlimited accounts and receipt scanning. The features included in each plan are shown before purchase and may change as permitted by these Terms and applicable law.

Tallyko may offer weekly, monthly, or yearly subscription periods. The exact price, currency, billing period, trial or introductory offer, and included features shown on the purchase screen at the time you subscribe control over any general description in these Terms.

For subscriptions purchased through Apple's App Store:

  • Payment is charged to your Apple Account when you confirm the purchase.
  • The subscription automatically renews for the same period unless you cancel it at least 24 hours before the end of the current period.
  • Your Apple Account may be charged for renewal within 24 hours before the current period ends.
  • You can manage or cancel the subscription in your Apple Account subscription settings.
  • Deleting Tallyko or deleting your Tallyko account does not cancel the subscription.
  • Billing, cancellations, and refunds are administered by Apple under Apple's applicable terms and policies. Tallyko cannot directly issue App Store refunds.
  • You can use the restore-purchases option where available to restore an eligible purchase associated with your store account.

Terms presented by Google Play apply to purchases made on Android. If the purchase screen conflicts with this section on a store-controlled billing matter, the store's disclosed terms control.

We may change future subscription prices or offerings. Any price change to an existing subscription will be handled through the applicable app store and will take effect only as permitted by its rules and applicable law.

5. Your Content and Data

You retain ownership of information and content you submit to Tallyko, including financial records, notes, receipts, chat messages, images, PDFs, and feature requests ("Your Content").

You grant Tallyko a limited, non-exclusive, worldwide license to host, copy, process, transmit, and display Your Content only as reasonably necessary to operate, secure, support, and improve the Service. This license ends when Your Content is deleted, except for temporary backups and information we may lawfully retain.

You represent that you have the rights and permissions needed to submit Your Content. Do not upload another person's confidential, personal, copyrighted, or regulated information unless you are authorized to do so.

Our handling of personal information is described in the Privacy Policy.

6. Receipt Scanning and AI Assistant

Receipt scanning and the AI assistant use automated systems provided in part by OpenAI. When you choose to use an AI feature, the content and relevant financial context needed for your request may be sent to OpenAI as described in the Privacy Policy.

Automated output may be incomplete, inaccurate, outdated, or unsuitable for your circumstances. You agree to review receipt fields, transactions, calculations, and other AI-generated results before relying on or saving them. Keep original receipts and independent records when needed for taxes, returns, warranties, reimbursement, or legal obligations.

You must not use AI features to seek or facilitate illegal activity, evade safeguards, access another user's information, or upload content you are not permitted to process.

7. No Financial or Professional Advice

All budgets, summaries, forecasts, reminders, charts, debt calculations, AI responses, and other outputs are for general informational and organizational purposes only. They are not financial, investment, legal, tax, credit, or accounting advice and are not a substitute for a qualified professional.

You are responsible for checking your data, maintaining independent records, and making your own financial decisions. Tallyko does not guarantee savings, debt reduction, account accuracy, tax treatment, or any financial outcome.

8. Acceptable Use

You agree not to:

  • Access or attempt to access another user's account or data.
  • Use the Service for unlawful, fraudulent, harmful, or abusive activity.
  • Upload malware or content that violates law or another person's rights.
  • Interfere with, overload, probe, scrape, or circumvent the Service or its security, access controls, rate limits, subscription checks, or technical restrictions.
  • Reverse engineer, decompile, or attempt to derive source code except to the extent applicable law expressly permits it.
  • Resell, sublicense, or commercially exploit the Service without written permission.
  • Misrepresent your identity or impersonate another person.

We may investigate violations and suspend or terminate access when reasonably necessary to protect users, Tallyko, or third parties, or to comply with law.

9. Tallyko's Rights

Tallyko and its licensors own the Service, including its software, design, branding, and content other than Your Content. Subject to these Terms and the applicable app-store license, we grant you a limited, personal, revocable, non-exclusive, non-transferable right to use the Service for your own lawful, non-commercial purposes.

No rights are granted except as expressly stated in these Terms or the applicable app-store license.

10. Third-Party Services

Tallyko relies on third-party services for hosting, authentication, AI processing, analytics, error monitoring, subscriptions, app distribution, updates, and notifications. Third-party services may have their own terms and privacy policies. You agree to comply with applicable third-party terms when using the Service.

Third-party services may be unavailable, changed, or discontinued. To the extent permitted by law, Tallyko is not responsible for third-party services outside our control.

11. Account Deletion and Termination

You may stop using Tallyko at any time. You can delete your account from Settings > Delete Account. Deletion permanently removes the active account and associated cloud financial records and uploads as described in the Privacy Policy.

Deleting your account does not cancel a paid app-store subscription. Cancel the subscription through Apple or Google before deleting your account if you want to avoid future renewal charges.

We may suspend or terminate your access if you materially violate these Terms, create a security or legal risk, misuse the Service, or fail to pay applicable fees. Where reasonable and permitted by law, we will provide notice and an opportunity to address the issue.

Sections that by their nature should survive termination—including ownership, disclaimers, limits of liability, and terms concerning disputes—will survive.

12. Availability and Changes to the Service

We may update, modify, suspend, or discontinue features. We do not promise that the Service will be uninterrupted, error-free, or available in every location or on every device. We will not materially reduce a paid subscription's core functionality during a paid period without providing any remedy required by applicable law or app-store rules.

Back up or export important records independently. Tallyko is not intended to be your only record for tax, accounting, reimbursement, warranty, or legal purposes.

13. Disclaimers

To the fullest extent permitted by law, the Service is provided "as is" and "as available." Tallyko disclaims all warranties not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement.

We do not warrant that calculations, reminders, receipt scans, AI output, notifications, synchronization, or stored information will always be complete, accurate, timely, secure, or error-free. Some jurisdictions do not allow certain warranty exclusions, so some of this section may not apply to you.

14. Limitation of Liability

To the fullest extent permitted by law, Tallyko and its operator, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost opportunities, business interruption, or loss of data arising from or related to the Service.

To the fullest extent permitted by law, Tallyko's total liability for all claims arising from or related to the Service will not exceed the greater of (a) the amount you paid for Tallyko during the 12 months before the event giving rise to the claim or (b) US $50.

These limitations do not exclude liability that cannot legally be excluded, including rights available under mandatory consumer-protection law.

15. Apple App Store Terms

If you obtained Tallyko through Apple's App Store, Apple's Standard Licensed Application End User License Agreement (the "Apple Standard EULA") applies to the license for the iOS application. These Terms govern your Tallyko account and the Service and supplement, but do not replace, the Apple Standard EULA. If there is a conflict concerning the license to the iOS application, the Apple Standard EULA controls.

You and Tallyko acknowledge that:

  • These Terms are between you and Tallyko, not Apple. Tallyko, not Apple, is responsible for the Service and its content.
  • Apple has no obligation to provide maintenance or support for Tallyko.
  • Tallyko, not Apple, is responsible for addressing claims relating to Tallyko, including product-liability, legal-compliance, consumer-protection, privacy, and intellectual-property claims, to the extent required by law.
  • If the iOS application fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any, for the application as provided by the Apple Standard EULA. To the maximum extent permitted by law, Apple has no other warranty obligation regarding Tallyko.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce the Apple-specific provisions against you after you accept them.
  • You must comply with applicable third-party terms, including your wireless data-service agreement, when using Tallyko.

Nothing in these Terms suggests that Apple sponsors or endorses Tallyko.

16. Changes to These Terms

We may update these Terms to reflect changes to the Service, law, or business practices. We will post the revised Terms, update the date above, and provide additional notice when a change is material. Changes apply prospectively from their stated effective date. If you do not agree to revised Terms, stop using the Service and cancel any subscription.

17. General Terms

If a provision of these Terms is unenforceable, it will be modified only to the extent needed to make it enforceable, and the remaining provisions will continue in effect. Our failure to enforce a provision is not a waiver. You may not transfer these Terms without our consent, but we may transfer them in connection with a merger, reorganization, financing, or sale of the Service, subject to applicable law.

These Terms do not limit any mandatory consumer rights that apply where you live.

18. Contact

Questions, complaints, or claims about Tallyko may be sent to:

Tallyko
Operated by Manuel Pineda
Email: dev.manuelpineda@gmail.com