Terms of Use
Effective date: November 12, 2026
Saver – AI Expense Tracker
These Terms of Use (“Terms”) govern your use of Saver – AI Expense Tracker (“Saver,” the “App”), developed by Azat Sapar (“Developer,” “we,” or “us”).
By installing or using Saver, you agree to comply with these Terms. If you do not agree, please do not use the App.
These Terms supplement the Apple Standard End User License Agreement (“Standard EULA”) applicable to applications distributed through the App Store.
The licensing of the App is governed by Apple's Standard EULA. In the event of a conflict regarding licensing matters, the Standard EULA takes precedence. Nothing in these Terms limits any mandatory consumer rights provided by applicable law.
Apple's Standard EULA is available at:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
1. Purpose of the App
Saver is a personal finance management application designed to help users:
- track income, expenses, and transfers;
- manage financial accounts;
- organize transactions into categories;
- plan budgets and savings;
- view financial statistics and analyze records;
- import transactions from bank statements;
- recognize voice messages and receipt photographs using artificial intelligence;
- back up financial data using iCloud.
Saver is a tool for personal financial organization and recordkeeping.
The App is not a bank, payment institution, investment adviser, brokerage service, or licensed financial services provider.
Saver does not provide individualized investment, tax, accounting, or other professional financial advice.
2. Eligibility and Accounts
Saver does not require you to register or create a separate account to access its core features.
You may use the App on compatible Apple devices in accordance with the applicable App Store terms and Apple's Standard EULA.
You agree to use Saver only for lawful purposes and without infringing the rights of others.
Using Saver does not give the Developer access to your bank accounts or authorization to conduct financial transactions on your behalf.
You are responsible for the accuracy of the information you enter and for complying with legal obligations applicable to your use of the App.
3. Free and Premium Features
Saver may provide basic functionality free of charge and additional features through paid subscriptions.
The features included in the free version and the benefits of a paid subscription are described within the App.
A subscription does not guarantee that every individual feature will remain unchanged indefinitely.
We may improve, update, or modify Saver's functionality, subject to applicable law and our obligations to users.
Material changes affecting paid features will be handled in accordance with applicable consumer rights and App Store requirements.
4. Subscriptions, Billing, and Automatic Renewal
Saver offers two auto-renewable subscription options:
- Monthly Subscription: Access to the applicable premium features for one month.
- Annual Subscription: Access to the applicable premium features for one year.
Subscription prices are displayed within the App before you confirm your purchase, using the currency applicable to your App Store region.
All subscription payments are processed through Apple's App Store using your selected payment method.
Subscriptions automatically renew at the end of each billing period unless you cancel automatic renewal.
Apple charges the applicable renewal price according to the subscription terms and any required notifications or consent concerning price changes.
Saver does not offer a free trial period for these subscriptions.
We use RevenueCat to manage subscription entitlements and verify purchase status.
RevenueCat does not replace Apple as the payment processor for App Store purchases.
5. Cancellation and Refunds
You can cancel automatic subscription renewal through your Apple Account settings.
On an iPhone, you can generally do so by:
- Opening Settings.
- Tapping your name.
- Selecting Subscriptions.
- Choosing Saver.
- Selecting Cancel Subscription.
After cancellation, access to paid features generally continues until the end of the current paid billing period.
Deleting the App does not automatically cancel an active subscription.
Refund requests for subscriptions purchased through the App Store are handled by Apple in accordance with applicable policies and laws.
You can request a refund at:
https://reportaproblem.apple.com/
Nothing in these Terms limits your mandatory statutory rights to refunds or other remedies.
6. Artificial Intelligence Features
Saver offers optional artificial intelligence features for processing voice messages and receipt photographs.
These features use Cloudflare Workers, OpenRouter, and the GPT-4o model.
When using AI functionality, voice messages or receipt photographs you provide, together with relevant transaction information, may be transmitted to external processing services.
This information may include transaction category names, the relevant financial account name, transaction amount, and transaction date.
AI functionality does not involve transmitting account balances, complete bank statements, or your entire financial transaction history.
Artificial intelligence may produce inaccurate or incomplete results, including:
- incorrectly recognized amounts;
- incorrect transaction dates;
- inaccurate expense categories;
- incorrect currency recognition;
- incomplete or inaccurate interpretation of voice messages or receipts.
You are responsible for reviewing and verifying AI-generated information before relying on it for financial recordkeeping or decisions.
We do not guarantee the accuracy, completeness, or error-free operation of AI-generated results.
AI features are optional. Core manual financial tracking functions can be used without them.
Further information about AI-related data processing is provided in Saver's Privacy Policy.
7. Financial Information and User Responsibility
Financial information displayed in Saver is based on records created or imported by the user.
Account balances displayed in the App are calculated from available records and may not match actual balances held by financial institutions.
Saver does not verify bank balances in real time or independently confirm whether payments have occurred.
You are responsible for:
- entering accurate financial information;
- verifying imported transactions;
- reviewing AI-generated results;
- keeping financial records up to date;
- making your own financial decisions.
We recommend verifying important financial information against official bank statements and records.
Saver should not be used as the sole source of information for significant financial, investment, or tax decisions.
8. Data Storage and Backups
By default, Saver stores your financial data locally on your device.
You may enable optional backups through iCloud Drive.
We do not provide a separate centralized cloud database for permanently storing your complete financial records.
The availability and integrity of locally stored information depend in part on your device, backup settings, and actions.
We recommend regularly backing up important data.
Saver's full data reset feature deletes local financial records and iCloud backups managed by the App's backup functionality.
Deleting the App from your device does not necessarily remove all copies of its data stored in iCloud.
We cannot guarantee the recovery of data deleted by the user or lost because of device failure, operating system issues, or the unavailability of third-party services.
These limitations apply only to the extent permitted by applicable law.
9. Third-Party Services
Certain Saver features rely on third-party services, including:
- Apple for App Store services and iCloud;
- RevenueCat for subscription management;
- Cloudflare for intermediary processing of AI requests;
- OpenRouter and AI model providers for AI recognition.
Availability and performance may depend on these services, internet connectivity, and other external factors.
You must comply with applicable third-party terms when using these services.
We do not guarantee uninterrupted third-party service availability, but we take reasonable steps to maintain Saver's operation.
10. Acceptable Use
You agree not to:
- use the App for unlawful activities;
- infringe intellectual property rights;
- circumvent subscription verification or technical restrictions;
- attempt unauthorized access to server infrastructure;
- deliberately interfere with the operation of Saver or related services;
- use automated systems to impose excessive or harmful loads on the infrastructure;
- submit content to AI features without the necessary rights or lawful basis for its processing.
We may apply reasonable technical limitations to prevent abuse and protect service reliability.
In cases of material violations, access to certain server-dependent features may be restricted to the extent permitted by law and applicable Apple terms.
11. Intellectual Property
Saver, including its software, design, graphics, name, and other protected materials, is owned by the Developer or the relevant rights holders.
Your right to use Saver is granted under Apple's Standard EULA.
Purchasing a subscription does not transfer ownership of the App or its source code to you.
You retain your rights to financial records and other content that you create or import into Saver.
By submitting information for a requested feature, you authorize the technical processing necessary to provide that feature, as described in the Privacy Policy.
12. Availability and Changes to Features
We may release updates, fix bugs, improve security, and modify Saver's functionality.
Certain features may be temporarily unavailable because of maintenance, updates, network problems, or third-party service disruptions.
We aim to provide a reliable experience but cannot guarantee uninterrupted or error-free operation.
Material changes affecting paid services are subject to applicable consumer rights and our obligations to users.
13. Limitation of Liability
Saver is provided as a personal financial recordkeeping tool.
To the maximum extent permitted by applicable law, we are not responsible for losses arising solely from:
- inaccurate or incomplete information entered by the user;
- financial decisions made using unverified information;
- AI recognition errors that the user has not reviewed;
- data loss resulting from user actions or device failures;
- interruptions involving independent third-party services outside our reasonable control.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including mandatory consumer rights.
14. Privacy
The processing of personal information is governed by Saver's Privacy Policy.
The Privacy Policy describes local data storage, iCloud backups, imported financial records, AI processing, subscriptions, analytics, and user rights.
The current Privacy Policy is available at:
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of the Republic of Kazakhstan to the extent permitted by applicable conflict-of-law rules and mandatory consumer protection laws.
If the laws of your country of residence grant you mandatory consumer rights, those rights remain unaffected by these Terms.
If a dispute arises, you may contact the Developer using the email address below to seek a resolution.
Nothing in this section restricts your right to seek remedies before competent courts or regulatory authorities where such rights are provided by applicable law.
16. Changes to These Terms
We may update these Terms to reflect changes to Saver, applicable laws, or third-party services.
The current version and its effective date will be published on the official Saver website.
Where required by applicable law, we will provide appropriate notice of material changes affecting user rights.
Changes do not remove rights that users acquired before the changes became effective.
17. Developer and Contact Information
Azat Sapar
Independent Developer — Individual
Address:
16 Shakena Aimanova Street, Apartment 13
Astana, 010000
Kazakhstan
Email: privacy@getsaver.app
Website: https://getsaver.app
Apple Standard EULA:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Saver Privacy Policy: