Terms of Use

1. Acceptance of these terms

These terms are an agreement between you and Cháy Túi (“we”, “us”), which develops and operates Cháy Túi, covering your use of the Cháy Túi app, its companion components (widgets, Share Extension, Shortcuts) and the Cháy Túi website (together, the “Service”). By downloading, installing or using the Service, you confirm that you have read, understood and agree to these terms and our Privacy Policy.

You must have full legal capacity under Vietnamese law. People under 16 may only use the Service with the consent of a parent or guardian. If you do not agree with any of these terms, please stop using the Service.

Downloading and updating the app through the App Store is also subject to Apple's terms. In case of conflict regarding subscription purchases, Apple's terms prevail.

2. Your account

• You sign in with Sign in with Apple or a one-time code (OTP) sent to your email. We do not use separate passwords.
• Each account is for one person. You are responsible for keeping the device, email and Apple ID you sign in with secure, and for all activity in your account.
• Tell us immediately at chaytuiapp@gmail.com if you suspect unauthorised access to your account.
• You can sign in to the same account on several of your own devices to sync your data; this is available on every plan.
• You can export your data or delete your account at any time in the app (Settings → Account) or on the account deletion page.

3. Free, Pro and Max plans and payment

• Pro and Max are purchased and managed only through Apple In-App Purchase inside the app. The Cháy Túi website does not sell plans or accept payments.
• The price that applies is the one shown in the App Store at the time of purchase. It may differ from the table above because of taxes, promotions or changes made by Apple.
• Plans renew automatically every month or year unless you cancel at least 24 hours before the current period ends. Apple charges your Apple ID account within 24 hours before renewal.
• Cancel in iPhone Settings → Apple ID (your name) → Subscriptions. After cancelling, you keep your plan until the end of the paid period. Deleting the app or your account does not cancel your subscription.
• Refunds are handled by Apple under Apple's policies; we cannot issue refunds directly. You can request one at reportaproblem.apple.com.
• We use RevenueCat to confirm your subscription status with Apple. Plan entitlements are verified by our servers, not by data from your device.
• If we change plan prices, we will notify you in advance through Apple's process. If you do not agree, you can cancel before the next renewal.
• We may grant time-limited Max or Pro access to some users (for example through promo codes or test programmes). Such access ends on the date we communicate.
• Features in each plan may be adjusted to improve the Service. If a change significantly reduces the benefits of a plan you have paid for, we will notify you in advance.

4. AI quotas

• Plan quotas reset every month; unused credits do not carry over. Each image sent to cloud AI (a receipt or a statement screenshot) uses 1 credit. Re-sending the exact same receipt photo within 30 days does not use a credit; for statement screenshots this applies only within the last 10 minutes.
• Fair use: quotas are intended for personal use. We may adjust quotas, apply a cost cap or temporarily limit usage if we detect abnormal volumes, automation or account sharing.
• To protect the system and costs, we may temporarily pause cloud AI, change models or limit request rates. The app then falls back to on-device reading and manual entry.
• When you run out of credits, you can still use on-device OCR and AI, manual entry and every other logging feature.

• Ask Túi questions are counted per day in Vietnam time (UTC+7) and reset at 00:00; once you reach the daily number, wait until the next day, and every other feature keeps working. Ask Túi questions do not use your monthly cloud AI credits for receipts or statement screenshots.
• We may adjust the daily number of questions and the length limits for your messages and Túi's replies; any change will be announced in the app or on the website.

5. Gold prices, exchange rates and interest rates are for reference only

Gold and silver prices, exchange rates, savings interest rates and calculated figures (expected interest, profit/loss, net worth) are compiled from public sources and may be delayed, incomplete or differ from actual transaction prices. This information is for reference only. It is not investment, financial, tax or legal advice, nor an offer to buy or sell. The Túi assistant and AI comments do not make investment recommendations. Check with your bank, gold dealer or an adviser before making decisions.

6. AI can be wrong

Receipt reading, category suggestions, and AI answers and comments may be inaccurate. Every result is only a draft; you need to check the amount, date and category before saving. You are responsible for the data you confirm and for decisions based on it.

A receipt photo is only sent to cloud AI when you choose cloud scan for that receipt. Cloud AI is currently the paid Google Gemini API tier: under the paid-tier terms, Google does not use content sent through it to improve Google's products. The Túi assistant, Ask Túi, AI insights, rule suggestions and asset comments send data to Google Gemini only after you agree in the app. We do not send your photos or scan data to improve receipt reading. For details see the Privacy Policy.

7. Prohibited conduct

When using the Service, you must not:

• Use the Service for unlawful purposes, fraud, money laundering or to infringe others' rights.
• Submit harmful content, malware, or images and text designed to manipulate the AI (prompt injection).
• Scan or automatically collect data (scraping) from the app, website or servers beyond what is permitted.
• Decompile, reverse engineer, tamper with or call the Cháy Túi AI gateway and servers directly outside the official app.
• Try to bypass quotas, fake your subscription status, use a modified version of the app, or share or resell accounts.
• Create multiple accounts to obtain extra trial credits, or overload the system.
• Upload other people's personal data without their consent.

If we detect a violation, we may limit features, suspend or terminate the account as described in section 12.

8. Your content

• The data, photos and notes you put into Cháy Túi belong to you. You allow us to process them only as needed to provide the Service, as described in our Privacy Policy.
• When you enter other people's names, debts or account numbers (for example in a split-bill group), you must make sure they agree.
• When you share an invite link or a share card, or join the Fire Keepers club, recipients see the information described for that feature. You are responsible for who you share with.
• Export your data regularly (Settings → Data → Export). Because data is mainly stored on your device, losing or replacing your device without sync turned on may cause data loss.

9. Intellectual property

The Cháy Túi name and trademark, the flaming-pocket logo, the Túi mascot and its expressions, and the Service's interface, text, illustrations, sounds and source code belong to Cháy Túi or its licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service for personal, non-commercial purposes. You may share app-generated share cards on social media; any other use of the brand requires our written consent.

10. Bill splitting and VietQR

• Cháy Túi only calculates how much each person owes and creates a VietQR code from the payment details you enter. The transfer itself happens in the payer's banking app.
• We do not hold, receive or transfer money, and we are not a payment service provider or e-wallet.
• Check the recipient's name, bank and account number in your banking app before confirming a transfer. We are not responsible for mistaken or incomplete transfers or for disputes between members.
• The “paid” status in a group is marked by members themselves and is not proof of payment.
• For a debt you record in the app, you can create a VietQR code to remind that person to pay. You are responsible for the accuracy of the debt and for how you remind them; do not use this feature to harass, threaten or claim a debt that does not exist. Cháy Túi does not collect debts or confirm debts between parties.

11. Limitation of liability

• The Service is provided as is. We work to keep it running smoothly but do not guarantee that it will be uninterrupted or error-free, or that every figure and AI result will be accurate.
• To the extent permitted by law, we are not liable for indirect damage, loss of profit or opportunity, or financial and investment decisions you make based on information in the Service.
• We are not liable for disruptions caused by third parties (Apple, Google, hosting providers, banks, price sources) or by force majeure.
• To the extent permitted by law, our total liability to you will not exceed the amount you paid for Cháy Túi plans in the 12 months before the event giving rise to liability.
• These limits do not exclude your rights as a consumer under the Law on Protection of Consumer Rights, and do not apply where the law prohibits limiting liability.

12. Suspension and termination

• You can stop using the Service and delete your account at any time. Remember to cancel your subscription in iPhone Settings if you do not want it to renew.
• We may limit features, suspend or terminate an account if you breach these terms, at the request of a competent authority, or to protect other users and the system. Except in emergencies or where the law does not allow it, we will explain why and give you a chance to respond.
• If we stop providing the Service, we will give at least 30 days' notice so you can export your data.
• We may lock an account that breaches these terms or shows signs of abuse. While locked, server-based features (cloud AI, sync) are blocked; the data on your device stays viewable and you can still export or delete your data. A lock does not cancel your paid subscription: manage or cancel it in your App Store settings, and send any refund request to Apple. For help, contact chaytuiapp@gmail.com.
• When an account is terminated, its data is handled according to our Privacy Policy.

13. Governing law and disputes

These terms are governed by the laws of Vietnam. If a dispute arises, both parties will first try to resolve it through negotiation or mediation; please contact chaytuiapp@gmail.com first so we can help. If it cannot be resolved within 30 days, the dispute will be brought before a competent court of Vietnam. This does not limit your right as a consumer to complain to state authorities or choose other dispute resolution methods provided by law.

14. Changes to these terms

We may update these terms when the Service or the law changes. The version and effective date are shown at the top of the page. For significant changes, we will notify you in the app at least 15 days before they apply. Continuing to use the Service after the effective date means you accept the new terms; if you do not agree, you can stop using the Service and delete your account.

15. Contact

• Operator: Cháy Túi
• Email: chaytuiapp@gmail.com
• Help: support page