Terms of Service

Agreement

These Terms of Service (“Terms”) govern your use of Dimo, a personal spending tracker available as web, desktop, and native mobile apps (the “Service”), operated by Saiteja Segu (“we”, “us”). By creating an account or using Dimo, you agree to these Terms. If you do not agree, do not use the Service.

Our Privacy Policy explains how information is handled and is part of how the Service works alongside these Terms.

The Service

Dimo helps you track expenses, categories and budgets, payment methods, recurring bills, stats, CSV import/export, lending records, and account preferences. Features may differ by platform. Optional Email suggestions on iOS (Gmail and related analysis) are available only if you choose to enable them.

Dimo is provided for personal, non-commercial use. It is not a bank, payment processor, tax advisor, accountant, or investment service, and it does not provide financial, legal, or tax advice.

Accounts and eligibility

You must be able to form a binding contract and meet the minimum age required in your country (and in any case not under 13) to use Dimo. You sign in through WorkOS AuthKit (for example Google or Apple). You are responsible for keeping access to your sign-in provider secure and for activity under your account.

Provide accurate information where requested. Do not share your account or use another person’s account without permission.

Your content

You retain ownership of the expense, budget, lending, preference, and other content you enter into Dimo (“Your Content”). You grant us a limited license to host, sync, back up, and process Your Content only as needed to operate the Service across your signed-in devices.

You are responsible for Your Content and for any CSV files you import or export. Do not upload unlawful, infringing, or harmful material. Lending features may use on-device contacts; contact photos stay on your device, while names or IDs you associate with lending records may sync with those records.

Acceptable use

You agree not to:

• Use Dimo for anything illegal or fraudulent
• Attempt to access another user’s workspace or data
• Probe, disrupt, or overload the Service or its providers
• Reverse engineer the apps except where law allows
• Misuse optional Email/Gmail access beyond Dimo’s intended read-only suggestion features
• Resell, sublicense, or provide Dimo as a hosted service to others without permission

Third-party services

Dimo relies on third parties such as WorkOS (authentication), Convex (sync and backend), Apple and Google (sign-in and app distribution), optional Google Gmail and OpenRouter (Email suggestions on iOS), and Vercel (web hosting/analytics on web/desktop builds). Their terms and privacy policies apply to their services. We are not responsible for third-party outages or policy changes outside our control.

Subscriptions and fees

Dimo is currently offered free of charge. We may introduce paid features later. If we do, we will describe prices and terms in the app or store listing before you are charged. App Store or other platform purchase rules apply to any in-app purchases made through those platforms.

Availability and changes

We aim to keep Dimo available but do not guarantee uninterrupted or error-free operation. Features may change, and we may suspend or discontinue parts of the Service with reasonable notice when practical. Sync depends on network access and third-party providers.

Termination

You may stop using Dimo at any time and may sign out or delete your account using in-app controls where available. Account deletion clears cloud workspace data when online and removes local Dimo databases on that device as described in the Privacy Policy.

We may suspend or terminate access if you violate these Terms, misuse the Service, or create risk for other users or providers.

Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that totals, budgets, stats, exchange estimates, or email suggestions are complete or suitable for any financial decision.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF DIMO. OUR TOTAL LIABILITY FOR CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR DIMO IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) USD $50, IF YOU HAVE PAID NOTHING.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the maximum extent allowed.

Indemnity

You agree to indemnify and hold us harmless from claims arising out of Your Content, your misuse of the Service, or your violation of these Terms or applicable law, to the extent permitted by law.

Changes to these Terms

We may update these Terms as the product evolves. Material changes will be posted on this page with a new “Last updated” date. Continued use after changes become effective constitutes acceptance of the updated Terms.

Contact

Questions about these Terms: Saiteja Segu at segusaiteja12345@gmail.com.