Earn AI Terms & Conditions

Effective Date: June 20, 2026

These Terms & Conditions ("Terms") form a legal agreement between you and Earn AI ("Earn AI," "we," "us," or "our") governing your access to and use of the Earn AI mobile application (the "App"). By creating an account or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Description of the App

Earn AI is a personal income and expense tracking tool. The App allows you to manually record income and expense entries, and offers an AI-powered scanning feature that lets you photograph receipts or use voice input to speed up data entry. The App can generate a summary of your annual income and expenses, which you can export as a PDF or CSV file.

Earn AI does not connect to, access, or require linking of any bank account. All financial information in the App is entered by you, either manually or via the AI scanning feature, and reflects only what you choose to record.

2. Eligibility and Accounts

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to create an account and use the App.

You must provide accurate information when creating your account and keep your login credentials confidential.

You are responsible for all activity that occurs under your account.

You may sign in using Google or Apple sign-in. By doing so, you authorize us to receive limited identity information from that provider as described in our Privacy Policy.

You may delete your account at any time through the App's settings, or by contacting support@earnaiapp.com, as described in our Privacy Policy.

3. AI-Powered Features

The App's AI receipt and voice scanning feature uses a third-party AI service provider (currently OpenAI) to parse the text, photos, or voice transcripts you submit into structured income or expense data.

AI-generated entries are a convenience feature only. AI-extracted data may contain errors, omissions, or misclassifications.

You are solely responsible for reviewing, correcting, and confirming the accuracy of any AI-generated entry before relying on it.

Earn AI makes no guarantee regarding the accuracy, completeness, or reliability of AI-parsed data.

Information about what data is sent to our AI provider, and how it is handled, is described in our Privacy Policy.

4. No Financial, Tax, Investment, or Legal Advice

Earn AI is a record-keeping and organizational tool only. Nothing in the App constitutes financial, investment, tax, accounting, or legal advice, and the App does not provide any recommendations of this nature.

Earn AI does not provide financial advice or investment recommendations.

Earn AI does not provide tax advice or tax preparation services. Reports and summaries generated by the App, including the annual income and expense summary, are provided for your convenience and are not a substitute for professional tax preparation or advice.

Earn AI does not provide legal advice.

Earn AI does not guarantee or predict your future income, expenses, or financial outcomes, and does not guarantee any financial result from using the App.

You are solely responsible for any financial, tax, business, or legal decisions you make, including decisions based on information recorded in or generated by the App. We strongly recommend consulting a qualified accountant, tax professional, financial advisor, or attorney for advice specific to your situation.

The annual income and expense summary generated by the App (whether viewed in-app or exported as a PDF or CSV file) is provided for informational and organizational purposes only. It is not a tax return, legal advice, accounting advice, or a substitute for professional review. You are responsible for verifying the accuracy of all information in the summary before relying on it for tax or financial reporting purposes, including before providing it to an accountant, tax preparer, or any government authority.

5. Subscriptions and Billing

Earn AI may offer free and paid subscription tiers. Paid subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period.

All subscriptions are billed and processed exclusively through Apple's In-App Purchase system, in accordance with Apple's own terms and payment policies. We do not process, receive, or store your payment card information.

You can manage or cancel your subscription at any time through your Apple ID account settings.

Subscription prices may change; we will provide notice of any price changes as required by Apple's App Store policies and applicable law before they take effect.

Refunds for purchases made through the Apple App Store are handled by Apple in accordance with Apple's refund policies; we do not have the ability to directly issue refunds for App Store purchases.

6. Your Content and Data

You retain ownership of the income/expense entries, notes, receipt photos, and other content you submit to the App (“Your Content”).

You grant Earn AI a limited license to store, process, transmit, and display Your Content solely as necessary to provide and improve the App's features, including syncing Your Content across your devices and processing it through our AI service provider when you initiate an AI-assisted entry.

You are responsible for the accuracy and legality of Your Content. Do not submit content that is unlawful, fraudulent, infringes on the rights of others, or that you do not have the right to share.

Your data storage, sharing, and retention practices, including account deletion, are described in our Privacy Policy.

7. Acceptable Use

When using the App, you agree not to:

Use the App for any unlawful purpose, including tax evasion, fraud, or misrepresentation of financial records to third parties.

Attempt to gain unauthorized access to the App, our servers, or other users' accounts or data.

Reverse-engineer, decompile, or attempt to extract the source code of the App, except as permitted by applicable law.

Use automated means (bots, scrapers) to access or interact with the App without our written permission.

Upload content that is illegal, abusive, infringing, or otherwise harmful through the App's photo, voice, or text input features.

Interfere with or disrupt the operation of the App or the servers/networks used to make it available.

8. Intellectual Property

The App, including its design, features, branding, and underlying software (but excluding Your Content), is owned by Earn AI and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial use, subject to these Terms.

9. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF DATA OR AI-GENERATED OUTPUT.

We do not warrant that the App will be uninterrupted, error-free, or completely secure, that defects will be corrected, or that AI-assisted parsing will be accurate. You use the App, and rely on any data or summary it generates, at your own risk and discretion.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EARN AI AND ITS OWNERS, EMPLOYEES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, INCLUDING ANY ERRORS OR INACCURACIES IN AI-GENERATED DATA, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

To the maximum extent permitted by law, our total liability to you for any claim arising out of or relating to these Terms or the App will not exceed the greater of (a) one hundred U.S. dollars (US$100), or (b) the amount you paid us, if any, in the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Earn AI and its owners, employees, and service providers from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the App, Your Content, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

You may stop using the App and delete your account at any time, as described in our Privacy Policy.

We may suspend or terminate your access to the App if we reasonably believe you have violated these Terms, engaged in unlawful activity, or for any other reason, with or without notice, to the extent permitted by law.

Upon termination, your right to use the App ceases immediately. Provisions of these Terms that by their nature should survive termination (such as disclaimers, limitation of liability, and indemnification) will survive.

13. Changes to the App and These Terms

We may modify, suspend, or discontinue the App, or any feature of it, at any time. We may also update these Terms from time to time. If we make material changes, we will update the "Effective Date" above and, where appropriate, notify you through the App. Your continued use of the App after changes take effect constitutes acceptance of the updated Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the State of Colorado, without regard to conflict-of-law principles, except to the extent preempted by federal law.

14.1 Agreement to Arbitrate

You and Earn AI agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the App (a "Dispute") will be resolved through binding, individual arbitration, rather than in court, except as set out below. This agreement to arbitrate is intended to be interpreted broadly.

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect.

The arbitration will be conducted in Colorado, or another mutually agreed location, or, where permitted by the applicable AAA rules, by videoconference or based on written submissions.

The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Either party may bring an individual action in small claims court instead of arbitration for disputes that qualify for that court's jurisdiction.

Either party may seek injunctive or other equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights, without first engaging in arbitration.

14.2 Class Action Waiver

YOU AND EARN AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH PARTIES AGREE OTHERWISE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING.

If any part of this Class Action Waiver is found to be unenforceable or unlawful as to all or part of a Dispute, that part will be severed, and the remainder of this arbitration agreement will continue to apply, except that the unenforceable portion of the Dispute must be litigated in the courts described in Section 14.3.

14.3 Courts

For any Dispute not subject to arbitration (including as described above), or if either party opts out of arbitration as permitted by applicable law, the dispute will be resolved exclusively in the state or federal courts located in Colorado, and you and we each consent to personal jurisdiction in those courts.

15. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Apple-Specific Terms: If you downloaded the App from the Apple App Store, you acknowledge that these Terms are between you and us, not Apple, and Apple has no obligation to provide support or maintenance for the App. Apple is a third-party beneficiary of these Terms with the right to enforce them, and Apple's standard End User License Agreement terms apply where required by Apple's guidelines.

16. Contact Us

If you have questions about these Terms, please contact us at: support@earnaiapp.com