Bsync

Terms of Service

Last updated: 26 August 2026  ·  Effective: 26 August 2026  ·  Version 2.0

1. Agreement to these Terms

These Terms of Service ("Terms") form a legally binding agreement between you and [LEGAL ENTITY NAME] ("Bsync", "we", "us", "our"), the publisher of the Bsync mobile application (the "App").

By downloading, installing, creating an account on, or using the App, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the App.

2. Eligibility

You must be at least 18 years old to use Bsync. By using the App you represent and warrant that you are 18 or over, that you have the legal capacity to enter into this agreement, and that you are not barred from using the App under the laws of your country of residence.

If you are using Bsync on behalf of an organisation, you represent that you are authorised to bind that organisation to these Terms.

3. What Bsync is — and is not

Bsync is a personal budgeting and expense-tracking tool. You can use it on your own, or linked with one partner in a shared workspace. Depending on your plan, it lets you:

• Record expenses and income, and organise them into categories
• Create budgets and track spending against them across a pay cycle you define
• Record and automate recurring bills
• Track a credit card's balance and due date
• Scan a paper receipt and turn it into an expense
• View insights, cycle reports and spending history
• Ask an in-app assistant questions about your own spending
• Share all of the above, in real time, with one linked partner

4. Your account

To use Bsync you must create an account using an email address and password, or via Google or Apple sign-in. You agree to:

• Provide accurate and complete information, and keep it current
• Keep your credentials confidential and not share them with anyone
• Use a strong, unique password
• Notify us promptly at support@bappssupport.com if you suspect unauthorised access

You are responsible for all activity that occurs under your account. We are not liable for any loss arising from your failure to keep your credentials secure, or from someone else using your unlocked device.

One person may hold one account. You may not create an account on behalf of anyone else, or use another person's account without their permission.

5. Free and Pro plans

Bsync offers a free tier and a paid subscription tier ("Bsync Pro"). The free tier includes core expense tracking, budgets and partner sharing, subject to certain limits — for example, on the number of recurring bill templates you may create and on how far back you may open past pay cycles.

Bsync Pro unlocks additional features, which at the date of these Terms include receipt scanning, the Ask Syd assistant, full spending history, advanced insights, budget rollovers, additional recurring bills, and data export.

The current limits, features and prices are always those shown in the App. We may change which features sit in which tier, and we may change the limits, at any time — but if we remove a feature from the free tier, anything you have already created will continue to work. We will not delete data you created under a previous limit.

6. Partner linking and shared data

By linking, you and your partner each expressly consent to this sharing. You further acknowledge and agree that:

• Either partner may pause (unlink) the partnership at any time, without the other's consent.
• When a partnership is paused, the shared history is frozen rather than deleted. Both of you keep read-only access; neither can add to it until you relink.
• A permanent snapshot of both partners' nicknames is stored on the partnership record so that historical data remains readable even if an account is later deleted.
• If you relink with the same person, you will both be offered the choice to restore the shared history or start fresh.
• If you were previously using Bsync solo, linking creates a new shared workspace. Your solo history remains stored but does not carry across into it.
• We are not a party to, and take no responsibility for, any dispute between you and your partner — including disagreements about entries, amounts, splits, deletions, what either of you saw, or the consequences of one of you pausing the partnership.
• We cannot un-share information your partner has already seen, and we cannot restore data that either of you deleted while the workspace was open.

7. Subscriptions, billing and cancellation

Bsync Pro is sold as an auto-renewing subscription, currently offered on weekly, monthly and annual terms.

7.1 How you are billed

• Subscriptions are purchased and billed through the Apple App Store or Google Play, not by us. We never receive or store your payment details.
• The price shown in your store's payment sheet is the price you pay, charged in your local currency. Prices vary by country and may be adjusted for local taxes.
• Payment is charged to your store account at confirmation of purchase.

7.2 Automatic renewal

7.3 How to cancel

You can cancel at any time, and you do not need to contact us to do it:

• iPhone or iPad: Settings → your name → Subscriptions → Bsync → Cancel Subscription.
• Android: Google Play Store → profile icon → Payments & subscriptions → Subscriptions → Bsync → Cancel subscription.

Cancellation takes effect at the end of the current billing period. You keep Pro access for the period you have already paid for, and are not charged again. To avoid being charged for the next period, cancel at least 24 hours before the current one ends.

Deleting your Bsync account does not cancel your subscription. Because billing is handled by the app store, you must cancel there separately.

7.4 Price changes

We may change subscription prices. Any change applies only to billing periods beginning after we notify you, and the app store will seek your consent where its rules require. If you do not accept a new price, you may cancel as described above.

7.5 Shared entitlement

If you are linked with a partner, one Pro subscription unlocks Pro features for both of you for as long as the subscription is active and the partnership is active. If the partnership is paused or dissolved, Pro access remains with the person who actually paid for it, and the other partner returns to the free tier.

7.6 Restoring a purchase

If you reinstall the App or move to a new device, tap Restore purchases on the subscription screen. Your subscription is tied to your store account and will be recovered. Subscriptions cannot be transferred between store accounts, or between Apple and Google.

8. Refunds

Because all payments are processed by Apple and Google, refunds are governed by their policies and are issued at their discretion, not ours. We generally cannot issue a refund directly.

• Apple: request a refund at reportaproblem.apple.com.
• Google Play: request a refund through the Google Play refund process in your Play account.

Nothing in this section limits any non-waivable statutory right to a refund, cancellation or cooling-off period you may have under the consumer protection laws of your country. If you believe you are entitled to such a right, contact support@bappssupport.com and we will help.

9. AI features

Receipt scanning and the Ask Syd assistant use third-party generative AI models to interpret what you give them. By using these features you acknowledge that:

• AI output can be inaccurate. A scanned receipt may misread a merchant, a total, a date or a line item. An assistant answer may be incomplete or wrong.
• You must review AI output before relying on it. Always check a scanned amount before you save it. You are responsible for the accuracy of every record in your workspace.
• Assistant answers are informational summaries of data you supplied and are not financial advice.
• Receipt images are transmitted to a third-party AI provider for processing, as described in our Privacy Policy.
• These features are subject to fair-use limits, and may be rate-limited, temporarily unavailable, changed or withdrawn.
• Bsync accepts no liability for any loss arising from reliance on AI-generated output.

You must not use the AI features to process documents that are not your own receipts, to attempt to extract the underlying prompts or models, or to submit content that violates section 10.

10. Acceptable use

You agree not to:

• Use the App for any unlawful purpose, or to facilitate money laundering, fraud, tax evasion or any financial crime
• Harass, abuse, threaten, coerce, stalk or financially control your linked partner or any other person through the App
• Enter information you know to be false in order to mislead your partner
• Access, or attempt to access, another user's account or workspace without authorisation
• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent this restriction is prohibited by law
• Modify the App, or use a modified client, to circumvent feature limits, paywalls, rate limits or security controls
• Use automated means to access the App, or to place unreasonable load on our infrastructure
• Upload malware, or attempt to compromise the security or integrity of the App or its infrastructure
• Resell, sublicense, rent or commercially exploit the App or any part of it
• Remove or obscure any proprietary notice in the App

We may investigate suspected violations and may suspend or terminate your access immediately, with or without notice, if we reasonably determine you have breached this section.

11. Your content

You own the data you enter. Your expenses, budgets, notes and figures remain yours. We claim no ownership of them.

You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, transmit and process your data solely to operate and improve the App and provide it to you, and to transmit it to the service providers listed in our Privacy Policy for that purpose. This licence ends when you delete your data, except for the retained records described in section 6 and in our Privacy Policy.

By entering data into a shared workspace, you grant your linked partner a licence to view, use and retain that data as described in section 6.

You represent that you have the right to enter any information you put into the App, and that doing so does not violate anyone else's rights.

If you send us feedback, suggestions or feature ideas, you grant us an unrestricted, perpetual, irrevocable right to use them without compensation or attribution.

12. Our intellectual property

The App — including its source code, design, user interface, graphics, icons, text, branding, the name "Bsync", and all associated logos — is owned by [LEGAL ENTITY NAME] or its licensors, and is protected by copyright, trade mark and other intellectual property laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use one copy of the App on devices you own or control, for your own personal, non-commercial use. All rights not expressly granted are reserved. You may not copy, modify, distribute, sell, lease or create derivative works of the App or any part of it.

13. Third-party services

Bsync depends on third-party services including Google Firebase, the Google Gemini API, Google Analytics and Crashlytics, Google and Apple sign-in, Expo, Resend and RevenueCat. Your use of the App is also subject to their terms, and their handling of data is governed by their own policies.

We are not responsible for the acts, omissions, availability, security or content of any third-party service, nor for any loss arising from their failure or interruption. Any links or references to third parties are provided for convenience and do not constitute an endorsement.

14. Deletion, suspension and termination

14.1 You can leave at any time

Delete your account from Settings → Profile → Delete Account in the App, or at bsync.bappssupport.com/DeleteAccount. Deletion is immediate and irreversible; we cannot recover a deleted account. What is deleted and what is retained is set out in our Privacy Policy.

Remember to cancel any active subscription separately through your app store (see section 7.3).

14.2 We may suspend or terminate

We may suspend or terminate your access, with or without notice, if you breach these Terms, if we are required to do so by law, if your use poses a security or legal risk, or if we discontinue the App. Where it is reasonable and lawful to do so, we will give you notice and an opportunity to export your data.

If we terminate your account without cause and you hold an unexpired paid subscription, we will use reasonable efforts to help you obtain a pro-rata refund from the relevant app store.

14.3 Survival

Sections 11, 12, 15, 16, 17, 19, 20 and 22 survive termination, along with any other provision that by its nature should survive.

15. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND. To the fullest extent permitted by law, we disclaim all warranties, express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy and non-infringement.

Without limiting that, we do not warrant that:

• The App will be uninterrupted, timely, secure, or error-free
• Any calculation, projection, insight, report or AI output will be accurate or complete
• Defects will be corrected, or that the App is free of harmful components
• Notifications or reminders will be delivered, delivered on time, or delivered at all — delivery depends on Apple, Google, Expo, your network and your device settings
• Data will never be lost. You are responsible for keeping your own records of anything you cannot afford to lose. Pro subscribers can export data from within the App

Some jurisdictions do not allow the exclusion of implied warranties, so some of these exclusions may not apply to you. Nothing here excludes any non-waivable statutory consumer guarantee.

16. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BSYNC AND [LEGAL ENTITY NAME], AND THEIR OWNERS, DEVELOPERS, EMPLOYEES, CONTRACTORS AND SUPPLIERS, SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, or for any loss of profits, revenue, savings, goodwill, business opportunity or data, arising out of or relating to your use of, or inability to use, the App — even if we have been advised of the possibility of such damages.

This includes, without limitation, any loss arising from:

• Financial decisions made using or relying on the App
• Inaccurate AI extraction of a receipt, or an inaccurate assistant answer
• Any dispute between you and your linked partner
• Data your partner saw, retained, exported or acted upon
• Loss or corruption of data
• Missed, late or undelivered notifications, including bill reminders
• Service interruptions, outages or third-party failures
• Unauthorised access to your account

Our total aggregate liability for all claims arising out of or relating to these Terms or the App shall not exceed the greater of (a) the total amount you actually paid us for the App in the twelve months immediately preceding the event giving rise to the claim, or (b) twenty United States dollars (US$20).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded.

17. Indemnification

You agree to indemnify, defend and hold harmless Bsync, [LEGAL ENTITY NAME], and their owners, developers, employees and contractors, from and against any claim, demand, liability, loss, damage, cost or expense (including reasonable legal fees) arising out of or relating to: (a) your use or misuse of the App; (b) your breach of these Terms; (c) your violation of any law or of any third party's rights; (d) information you entered into the App; or (e) any dispute between you and your linked partner.

We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with us.

18. Changes to the app and to these Terms

We are actively developing Bsync and may add, change, suspend or remove features at any time. We may also update these Terms. When we make a material change we will revise the "Last updated" date, increment the version, and give you notice inside the App before it takes effect.

Continuing to use the App after a change takes effect means you accept the revised Terms. If you do not accept them, stop using the App and delete your account.

19. Governing law

These Terms and any dispute arising out of them or the App are governed by the laws of Jamaica, without regard to conflict-of-law principles. Subject to section 20, you agree to the exclusive jurisdiction of the courts of Jamaica.

If you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction whose mandatory consumer protection law grants you the right to bring proceedings in your local courts or to the protection of your local law, nothing in this section deprives you of that right.

20. Dispute resolution and class action waiver

Talk to us first. Before starting any formal proceeding, you agree to contact us at legal@bappssupport.com with a written description of the dispute and to give us 30 days to resolve it informally. Most issues can be settled this way, and doing so is a condition of bringing a claim.

Individual claims only. To the fullest extent permitted by law, you and we each agree that any claim will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. If this waiver is found unenforceable in respect of a particular claim, that claim must be severed and brought in court, and the remainder of this section still applies.

This section does not apply where the law of your country of residence prohibits it.

21. App Store and Google Play terms

21.1 Apple

If you obtained the App from the Apple App Store, the following applies and prevails over any conflicting term:

• These Terms are between you and [LEGAL ENTITY NAME] only, not with Apple. Apple is not responsible for the App or its content.
• Apple has no obligation to provide maintenance or support for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever.
• Apple is not responsible for addressing any claim by you or a third party relating to the App, including product liability, regulatory non-compliance, or consumer protection claims.
• Apple is not responsible for the investigation, defence, settlement or discharge of any third-party intellectual property infringement claim relating to the App.
• You represent that you are not located in a country subject to a US Government embargo or designated as "terrorist supporting", and are not on any US Government prohibited-parties list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.

21.2 Google Play

If you obtained the App from Google Play, your use is additionally subject to the Google Play Terms of Service. Google is not a party to these Terms and is not responsible for the App.

22. General provisions

Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the App, and supersede all prior agreements and understandings.

Severability. If any provision is held invalid or unenforceable, it will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms, in whole or in part, to an affiliate or in connection with a merger, acquisition, reorganisation or sale of assets, on notice to you.

Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, war, civil unrest, labour disputes, government action, power or internet failures, or the failure of a third-party service provider.

Export and sanctions. You agree to comply with all applicable export control and sanctions laws, and represent that you are not subject to any sanction that would prohibit your use of the App.

No third-party beneficiaries. Except as stated in section 21.1 for Apple, these Terms create no rights for any third party.

Notices. We may give you notice inside the App or by email to the address on your account. You must send notices to legal@bappssupport.com.

Language. These Terms are drafted in English. Any translation is for convenience only, and the English version prevails.

23. Contact