Terms of Use
Last updated 2026-08-31
These terms apply to the Money Leak Finder app and this website.
What this service does
Money Leak Finder reads bank and card statements that you provide, identifies costs that repeat every month, and shows you a monthly summary. All of that happens on your device. The optional AI deep-dive is the one part that sends anonymised, aggregated figures for analysis, and only after you agree and start it yourself.
The analysis is an estimate, not advice
Classification and monthly conversion are automated estimates and can be wrong. The app suggests; you decide. Nothing in the app is financial, tax, legal or investment advice. Check any figure that matters against your original statement.
Your data is your responsibility
Because there is no account and no copy on a server, we cannot restore your data for you. If you lose your device, delete the app, or erase its data, the analysis is gone. Export a backup regularly and keep its password safe.
Subscription and billing
Importing statements, classification, monthly summaries, recurring-charge analysis, saving, backups and the sample reports are free. AI reports are sold as auto-renewing monthly subscriptions purchased through the App Store, in two tiers: personal analysis, and business analysis which includes everything in the personal tier. You are never charged for both. The App Store shows the price in your currency before you confirm. A subscription renews each month until you turn off auto-renew at least 24 hours before the period ends, and you manage, upgrade, downgrade or cancel it in your Apple ID subscription settings — we cannot cancel it for you. Refunds are handled by Apple under its own terms. Reports you have already created remain readable on your device after a subscription ends; only creating new ones stops.
The business space is not accounting
The business space produces a cash-flow summary and a simplified balance sheet from the statements you import and the figures you enter yourself. It is not a tax filing, not a statutory accounting record, not bookkeeping, and not tax, accounting, legal or investment advice. It does not collect transactions automatically, does not connect to any bank or tax authority, and cannot know about invoices, depreciation or liabilities you have not entered. Figures you leave blank stay blank and are never counted as zero, so a total here may be incomplete. Check anything that matters against your own records and your accountant.
Acceptable use
Use the app only with statements you are entitled to access. Do not attempt to reverse engineer, resell or redistribute the app.
No warranty
The service is provided as is, without warranty of any kind. We do not guarantee that classification is accurate, or that the app is uninterrupted or error free.
Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from use of the app, including decisions made from its output and loss of data stored on your device.
Changes to these terms
If these terms change, the date at the top of this page is updated. Continuing to use the app means you accept the updated terms.
Contact
Questions about these terms can be sent to jamkankr@gmail.com.