Terms of Service — Sumlo
Effective date: 2026-10-08 (the app's name and contact address updated on 2026-10-10; no other change)
These Terms of Service ("Terms") govern your use of the Sumlo mobile application and related services (collectively, the "Service") provided by Sumlo ("we", "us", "our"). By creating an account or using the Service you agree to these Terms.
1. Eligibility
You must be at least 16 to use the Service and able to enter a binding contract under your local law. If you are between 16 and the age of majority in your jurisdiction, you confirm that your legal guardian has reviewed these Terms.
2. Account
You are responsible for:
- the accuracy of the information in your account;
- safeguarding your sign-in credentials and any device that holds an active session;
- all activity that takes place under your account.
We may suspend or terminate accounts that violate these Terms or that we suspect are involved in fraud, abuse, or illegal activity.
3. Subscriptions and trial
The Service is offered on a freemium model. Some features require a paid subscription ("Pro"). New users receive a 14-day free trial of Pro features automatically; the trial does not renew and does not auto-convert to a paid subscription.
Paid subscriptions are processed by Apple App Store or Google Play under their respective billing terms, and renew automatically until you cancel. You can cancel at any time from Profile → Manage, which opens your store's subscriptions page, or in the store directly. Cancelling stops the next renewal; Pro stays available until the end of the period you have already paid for. Refunds are governed by those stores' policies; we do not process refunds directly.
Downloading a copy of your data (Profile → Download my data) is free on every plan.
Receipt scanning limits. Receipt scanning is subject to fair-use limits: up to 3 successful scans a day during the free trial, and up to 5 successful scans a day and 100 a calendar month with Pro. Scans that fail or that the AI can't read don't count toward these limits, but repeated attempts may be paused for the rest of the day. Days and months follow Coordinated Universal Time (UTC). The app shows when a limit is reached, and you can always add transactions by hand. We may change these limits; a reduction is a material change under section 14.
4. Acceptable use
You agree not to:
- reverse engineer, decompile, or attempt to bypass authentication, entitlement, or licensing controls;
- use the Service to store or transmit unlawful, infringing, or defamatory content;
- abuse the receipt-scanning feature with content unrelated to your own personal expenses;
- attempt to access another user's data;
- circumvent rate limits, anti-fraud, or security measures.
5. Your content
The financial data, receipts, and other content you record in the Service ("Your Content") remain yours. You grant us a limited, non-exclusive licence to host, process, and display Your Content solely to operate the Service. You can download a copy of Your Content at any time using Profile → Download my data.
6. AI-assisted features
Receipt scanning and any other AI-assisted feature use third-party large-language-model providers (currently Anthropic). The output is generated by a machine-learning model and may contain inaccuracies. You are solely responsible for verifying every parsed transaction before saving it. We disclaim all warranties for AI-generated output to the maximum extent permitted by law.
7. No financial advice
The Service is a personal-finance tracking tool. Nothing in the Service constitutes investment, tax, legal, or financial advice. We are not a regulated financial institution. Always consult a qualified professional before making financial decisions.
8. Privacy
Our Privacy Policy at https://sumlo.app/privacy-policy describes how we collect, use, and share information.
9. Intellectual property
The Service itself, including all software, designs, trademarks, and content (other than Your Content), is owned by us or our licensors. These Terms grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for personal use.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE AGAINST ALL THREATS.
Nothing in these Terms excludes liability for (a) gross negligence or wilful misconduct, (b) death or personal injury caused by our negligence, or (c) any liability that cannot be excluded under applicable law, including mandatory consumer-protection provisions of Bulgarian and EU law.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, OR DATA, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE. OUR AGGREGATE LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) EUR 100.
Some jurisdictions — including Bulgaria and the European Union — do not allow the exclusion or limitation of certain damages; in those jurisdictions our liability is limited to the maximum extent permitted by law and your mandatory consumer rights are not affected.
12. Indemnity
You agree to indemnify and hold us harmless from any claim arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.
13. Termination
You may terminate your account at any time via Profile → Delete account. We may terminate or suspend your access immediately for material breach of these Terms. On termination, your right to use the Service ends. When you delete your account, you are signed out on every device and the account is permanently deleted 24 hours later; you can restore it by signing back in before then, as described in the Privacy Policy. Deleting your account does not cancel a subscription bought through Apple or Google; cancel it in the store as well.
14. Changes
We may update these Terms from time to time. We publish the updated Terms at this address and update the "Effective date" above; material changes are published at least 14 days before they take effect. The current version is always linked from the app (Profile → Terms of Service). If you continue to use the Service after a change takes effect, the updated Terms apply; if you don't agree, you can stop using the Service and delete your account.
15. Governing law and disputes
These Terms are governed by the laws of the Republic of Bulgaria without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the courts of Bulgaria, except that either party may seek interim or injunctive relief in any court of competent jurisdiction. Consumers resident in the European Union retain the right to bring claims before the courts of their habitual residence and to benefit from mandatory consumer-protection provisions of their local law.
16. Contact
support@sumlo.app for any question about these Terms.