I'm I'll · Personal finance app

Terms of Service

Version 1.3 · Effective June 15, 2026 · Updated June 15, 2026

Table of Contents

  1. Acceptance of These Terms
  2. The Service
  3. Eligibility and Accounts
  4. Subscriptions, Billing, Auto-Renewal, Free Trial, Cancellation and Refunds
  5. Acceptable Use and Fair Use
  6. Prohibited Conduct
  7. AI Features and Financial Disclaimer
  8. Intellectual Property
  9. Your Content
  10. Third-Party Services
  11. Suspension, Termination, and Deletion
  12. Disclaimers
  13. Limitation of Liability
  14. Indemnification
  15. Governing Law
  16. Dispute Resolution and Arbitration
  17. Changes to These Terms
  18. Miscellaneous
  19. Contact

1. Acceptance of These Terms

These Terms of Service (“Terms”) form a binding agreement between you (“you” or “User”) and Bit Byte Core (SMC-Private) Limited, a single-member private limited company incorporated under the Companies Act, 2017 of Pakistan (Corporate Unique Identification No. 0294233, registered office at House No 116, Kashmir Colony, GT Road Chanda Qila, Kamonke, Gujranwala, Punjab, Pakistan), hereafter “we,” “us,” or “our”, the operator of the mobile application I’m I’ll (also styled “Im Ill” or “iamiwill”) on iOS and Android, together with any related services, websites, or features (the “Service”).

You accept these Terms when you do any of the following:

If you do not agree, do not use the Service.

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to both you and that organization.

2. The Service

I’m I’ll is a personal finance tracking tool. It helps individuals record income and expenses, build budgets, set savings goals, split bills, scan receipts, and ask AI questions about their own financial data. The default currency is AED, but the Service supports multiple currencies.

The Service offers a free tier and optional paid subscriptions, described in Section 4. AI-powered features carry usage allowances that depend on your plan and are described inside the App. We may add, change, or remove features at any time.

The Service is not a bank, broker-dealer, payment institution, lender, tax advisor, investment advisor, or fiduciary. It does not hold your money, execute transactions, or provide regulated financial advice.

3. Eligibility and Accounts

3.1 Minimum Age

You must meet the minimum age in your jurisdiction to use the Service:

If you are a minor in your jurisdiction, a parent or legal guardian must accept these Terms on your behalf and is responsible for your use of the Service.

3.2 Accurate Information

You agree to provide accurate, current information when creating your account and to keep it up to date.

3.3 One Account Per Person

Each natural person may hold one account at a time. You may not share your account with anyone else, and you may not create an account using another person’s identity or credentials.

3.4 Security of Your Account

You are responsible for maintaining the confidentiality of your credentials (including any PIN or biometric unlock configured on your device) and for all activity on your account. Notify admin@bitbytecore.com immediately if you suspect unauthorized access.

4. Subscriptions, Billing, Auto-Renewal, Free Trial, Cancellation and Refunds

4.1 Plans and prices. The App offers optional auto-renewable subscriptions: Basic (US$2.99/month), Pro (US$7.99/month), and Power (US$14.99/month). Prices are shown in your local currency at the point of purchase; Apple and Google set the exact local price. Applicable taxes may be added.

4.2 Merchant of record. All purchases are sold through and billed by Apple’s App Store or Google Play, who are the merchant of record. We never receive your full payment-card number.

4.3 Auto-renewal. Your subscription renews automatically for successive one-month periods at the then-current price UNTIL YOU CANCEL. Your Apple or Google payment method is charged within 24 hours before each renewal.

4.4 Free trial. New subscribers may be offered a 14-day free trial. IMPORTANT: unless you cancel at least 24 hours before the trial ends, your free trial automatically converts into a paid auto-renewing subscription and you are charged the plan price for the first month and each month after, until you cancel. You may cancel any time during the trial and keep access until the trial period ends. Only one free trial per user; eligibility is determined by Apple/Google.

4.5 How to cancel. You manage and cancel your subscription through the store you bought it from, NOT through us: on iOS, Settings > [your name] > Subscriptions; on Android, Google Play > Profile > Payments & subscriptions > Subscriptions. To avoid the next charge, cancel at least 24 hours before the current period ends. DELETING THE APP OR DELETING YOUR IN-APP ACCOUNT DOES NOT CANCEL YOUR SUBSCRIPTION OR STOP BILLING. We cannot cancel an Apple or Google subscription on your behalf.

4.6 Refunds. Refunds are handled by Apple or Google under their policies; we do not process refunds ourselves.

4.7 EU/EEA/UK right of withdrawal. If you are a consumer in the EU/EEA or UK, you normally have 14 days to withdraw from a purchase of digital content/services without giving a reason. Because the subscription (including any free trial) gives you immediate access, by starting your subscription or free trial you (i) expressly request that we begin providing the service immediately, and (ii) acknowledge that once the service has been fully supplied you lose your right of withdrawal, and that if you withdraw during the 14 days after we have begun at your request you will pay for the portion of the service provided up to that point. To exercise any withdrawal right, you may tell us of your decision by a clear statement — for example, email admin@bitbytecore.com with your account email and the words “I withdraw from my subscription” — or use the European Model Withdrawal Form (we will provide it on request), or use your app store’s refund process. We will acknowledge your request without undue delay.

4.8 Price changes. If we increase the recurring price of your plan, we and/or Apple/Google will notify you in advance as required by the store and by law. Where the law or store rules require, the increase will not take effect for you until you agree; if you do not agree, your subscription will not renew at the higher price and ends at the close of your current paid period.

5. Acceptable Use and Fair Use

5.1 Purpose of the Fair Use Policy

AI-powered features are subject to fair-use ceilings. Where a feature is described as unlimited, “unlimited” means generous limits designed for normal human use of a personal finance app, not literally infinite machine-scale usage. This is the same model used across the industry (for example, Claude Pro, ChatGPT Plus, and Cursor all enforce comparable fair-use ceilings on “unlimited” plans). The following limits exist to keep the Service fast, affordable, and available to everyone.

5.2 Rate Limits on AI Features

AI-feature allowances depend on your subscription tier and are shown on each paid plan and on every AI surface inside the App. The figures below are upper safety ceilings, not your plan’s allowance:

Feature Per Hour Per Day Per Month (ceiling)
AI chat messages 60 200 up to 2,000 (Power tier; lower tiers see their plan allowance)
Receipt scans 60 200 up to 2,000 (Power tier; lower tiers see their plan allowance)
Voice entries 60 200 subject to fair use

5.3 Current Allowances

The App enforces hourly, daily, and monthly ceilings on AI-powered features. Current values are shown inside the App. We may adjust them with reasonable notice.

5.4 Enforcement Mechanisms

We enforce fair use through any combination of the following, at our reasonable discretion:

  1. Rolling-window counters (per hour, per day, per month) that throttle additional requests until the window resets.
  2. A monthly infrastructure-cost ceiling of approximately USD $10 per account per month of variable AI/cloud cost, above which AI features may be throttled for the remainder of the monthly cycle even if numeric limits are not exceeded.
  3. Abuse signals such as unusual request patterns, scripted or non-interactive traffic, or traffic shapes consistent with multiple users behind one account.

If you hit a limit, the App will show a clear message and, where relevant, a reset time. Throttling is not a suspension.

5.5 Requesting Higher Limits

If your legitimate personal usage exceeds these caps, contact admin@bitbytecore.com. We will consider reasonable requests. Commercial/organizational use is not covered by personal accounts; see Section 6.

6. Prohibited Conduct

You agree not to:

Violations may result in warnings, feature throttling, suspension, or termination under Section 11.

7. AI Features and Financial Disclaimer

7.1 What the AI Does

The Service uses Google Gemini, accessed through our Firebase Cloud Functions, to:

Voice entry is not processed by Gemini. Speech-to-text runs on your device using the operating system’s built-in recognition; the audio never leaves your phone, and the resulting transcript is parsed locally to pre-fill an entry.

7.2 Computed Outputs Are Informational, Not Advice

The Service is a tracking tool, not a licensed financial, tax, investment, legal, or accounting advisor. All figures the Service produces — including AI suggestions AND automatically calculated projections, forecasts, on-track / budget-pace indicators, net-worth and Future You projections, and any forward-looking estimate — are informational only, are based on the data you entered and on assumptions that may not hold, and are not a prediction, recommendation, or guarantee of any financial outcome. You are solely responsible for your financial decisions.

You are responsible for verifying any AI-extracted or AI-suggested information before relying on it for filing taxes, making investments, repaying debts, splitting bills, or any other decision with legal or financial consequences. We make no warranty of accuracy, completeness, fitness for any particular purpose, or regulatory compliance of AI output.

7.3 Nature of Our Role

We are not a bank, broker, payment service provider, e-money institution, lender, tax preparer, or fiduciary, and the Service does not create any of those relationships with you.

7.4 Data Sent to Gemini

Details of what we send to Gemini, and how Gemini treats it, are in our Privacy Policy at https://iamiwillapp.web.app/privacy, Section 12. In short: we use Gemini’s paid API, under which Google does not use your data to train its models.

7.5 IOUs, loans, debts and bill splits are personal record-keeping labels

Features that let you record money you have lent, borrowed, owe, are owed, or split with others are private notes you keep for your own tracking. The Service does not move, hold, transfer, remit, send, receive, settle, escrow, or process any money or value between you and anyone else; it does not create, originate, broker, collect, or enforce any loan, debt, or payment; and no balance, statement, net, recovered, or written-off status shown in these features represents an actual transfer of funds or a legally enforceable obligation created by us. All real money movement happens outside the App through your own bank, cash, or other means. Using these labels does not make us a money transmitter, money services business, remittance or value-transfer provider, payment institution, e-money issuer, or lender.

7.6 Currency conversions and exchange rates

Where the Service converts between currencies, it uses indicative exchange rates supplied by a third-party rate provider and may cache them for up to 24 hours. These rates are for your own tracking and estimation only. They are not quotes, are not guaranteed to match the rate your bank, card, or money-transfer provider will apply, and may be out of date. Any total that combines currencies using a live rate is approximate (the App marks these with a *). Do not rely on any converted amount for an actual payment, transfer, accounting entry, or tax filing — confirm the real rate with the institution that executes the transaction.

8. Intellectual Property

8.1 Our Rights

We own or license the App, the Service, all source code, the “I’m I’ll” name and logo, and all related materials. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the App on devices you own or control, solely for your personal, non-commercial use and subject to these Terms.

All rights not expressly granted are reserved.

8.2 Your Rights

You retain ownership of the data you enter: transactions, notes, categories, goals, bill-split descriptions, receipt images, profile information, and so on (“Your Content”).

8.3 License You Grant Us

To provide the Service, you grant us a worldwide, royalty-free, non-exclusive license to host, copy, transmit, display, and process Your Content, and to create derivative works (such as indexes, aggregations, and AI-generated responses) solely to operate and improve the Service for you, and, only where you have opted in to Help improve AI as described in Privacy Policy Section 12.6, to use scrubbed copies of your AI chat messages to improve and evaluate our own AI assistant; this use is revocable at any time and does not extend to your transactions, balances, receipts, or other Content. This license ends when you delete the relevant content or your account, except:

In addition to the opt-in above, we do not use Your Content to train third-party AI models, and we do not sell Your Content.

8.4 Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without obligation to you.

9. Your Content

You are responsible for Your Content. You represent that:

We may remove or refuse to process Your Content that we reasonably believe violates these Terms or applicable law. Where practical, we will notify you.

10. Third-Party Services

The Service relies on third parties, including:

Your use of these services is also subject to their own terms and privacy policies. We are not responsible for third-party services, but we choose them carefully and hold them to data-processing agreements where required by law.

11. Suspension, Termination, and Deletion

11.1 Your Right to Delete

You may delete your account at any time through Settings → Account → Delete My Account. Deletion is self-serve and does not require emailing us. Deletion triggers the retention schedule described in our Privacy Policy (production data deleted promptly; encrypted backup copies expire within 30 days).

11.2 Our Right to Suspend or Terminate

We may suspend or terminate your access, in whole or in part, if:

Where practical and not prohibited by law or safety concerns, we will give you notice and an opportunity to cure. For serious or repeated violations we may terminate immediately.

If you have a paid subscription, cancellation and refunds are handled through your app store as set out in Sections 4.5–4.6. Deleting your account does not cancel an Apple or Google subscription or stop billing.

11.3 Survival

Sections 7, 8, 9 (insofar as your license to us survives for residual copies), 12–16, and 18–19 survive termination.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or trade usage.

We do not warrant that:

Nothing in this section limits any warranty or consumer right that cannot be excluded under applicable law, including mandatory consumer protections under UAE consumer protection law, UK Consumer Rights Act 2015, EU Directive 2019/770 on digital content and services, or similar laws. If you are a consumer in such a jurisdiction, you retain those rights.

13. Limitation of Liability

To the maximum extent permitted by law:

Carve-outs. The exclusions and cap above do not apply to (i) our gross negligence, willful misconduct, or fraud; (ii) death or personal injury caused by our negligence; (iii) liability that cannot be excluded or limited under applicable consumer law; or (iv) indemnification obligations expressly assumed by us in writing.

If you are a consumer in a jurisdiction that does not allow the exclusion or limitation of certain damages, the above applies only to the extent permitted by that law, and the rest remains in force.

14. Indemnification

You will defend, indemnify, and hold harmless Bit Byte Core (SMC-Private) Limited and its affiliates, officers, employees, and agents from any third-party claim, liability, damage, loss, and expense (including reasonable legal fees) arising out of:

We will promptly notify you of any such claim, let you control the defense with counsel reasonably acceptable to us, and reasonably cooperate with the defense. You may not settle a claim in a way that admits our liability or imposes non-monetary obligations on us without our written consent.

This indemnity does not apply to the extent a claim is caused by our breach of these Terms or by conduct covered by the carve-outs in Section 13.

If you are a consumer, this Section applies only to the extent the relevant law permits: you are not required to fund our legal defence in advance, and your liability is limited to losses that are a reasonably foreseeable result of your own breach of these Terms or your unlawful Content.

15. Governing Law

These Terms are governed by the laws of the Islamic Republic of Pakistan, without regard to conflict-of-laws principles. If you are a consumer, this choice of Pakistani law does not deprive you of the protection of the mandatory consumer-protection provisions of the law of the country where you live: those provisions continue to apply to you and prevail over this clause to the extent of any conflict. For example, if you are a consumer in the EU/EEA or UK, you keep the rights given to you by the law of your country of residence.

16. Dispute Resolution and Arbitration

16.1 Informal Resolution

Before starting a formal proceeding, you agree to contact us at admin@bitbytecore.com and give us 30 days to resolve the dispute informally. Most concerns can be resolved this way.

16.2 Arbitration

If the dispute is not resolved within 30 days, you and we agree to resolve it by binding arbitration seated in Islamabad, Pakistan. For non-consumer users, the arbitration shall be administered by the Dubai International Arbitration Centre (DIAC) under its Rules in force at the time of the dispute, by a single arbitrator appointed under those Rules, conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.

The arbitration agreement in this Section 16.2 applies only to non-consumer users. If you are a consumer, you are not required to arbitrate: you may bring your claim in the courts or small-claims tribunal of your country of residence, and you may only be sued by us in those courts. For consumers resident in the UAE, either party may instead refer the dispute to the competent UAE dispute-settlement committee or court, and any arbitration of a consumer dispute below AED 50,000 is not mandatory and applies only where UAE law permits it.

Either party may seek injunctive or equitable relief in court for infringement of intellectual property or for unauthorized access to the Service, without first submitting to arbitration.

16.3 Class-Action Waiver

To the extent permitted by applicable law, each party may bring claims against the other only in its individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. If this waiver is held unenforceable in your jurisdiction, the rest of Section 16 remains in effect and class-wide claims will be litigated in the courts identified in Section 15.

16.4 Consumer Carve-Out

Nothing in this Section 16 prevents a consumer from bringing a claim in the courts of their country of residence where the consumer laws of that country guarantee that right (for example, under EU Regulation 1215/2012 or UK consumer rules). EU/EEA consumers may contact their national consumer authority or a competent Alternative Dispute Resolution body in their country of residence.

16.5 Time Limit

Any claim must be brought within one (1) year after the cause of action arose, except where applicable law requires a longer period, except that for consumers any longer mandatory statutory limitation period applies.

17. Changes to These Terms

We may update these Terms from time to time. When we do:

If you do not accept a material change, you may stop using the Service. Continuing to use the Service after a non-material change means you accept the revised Terms.

For material changes we will give you at least 30 days notice before they take effect. If you do not agree, you may stop using the Service and, if you have a paid subscription, cancel it without penalty through your app store. We will not apply a price increase to your current paid period without your consent.

18. Miscellaneous

18.1 Entire Agreement

These Terms, together with the Privacy Policy and any in-app disclosures, form the entire agreement between you and us regarding the Service and supersede prior agreements on the same subject.

18.2 Severability

If any provision is held unenforceable, the rest remains in effect, and the unenforceable provision will be interpreted to the minimum extent necessary to make it enforceable.

18.3 No Waiver

Our failure to enforce a right or provision is not a waiver of that right or provision.

18.4 Assignment

You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, financing, or sale of assets, provided the assignee agrees to honor these Terms.

18.5 Force Majeure

Neither party is liable for delays caused by events beyond its reasonable control (including natural disasters, war, civil disturbance, internet outages, government action, and third-party service outages), except for payment obligations.

18.6 Relationship of the Parties

Nothing in these Terms creates an agency, partnership, employment, or joint-venture relationship.

18.7 Notices

We may notify you through the App, through Firebase Cloud Messaging, or by email to the address associated with your account. You may notify us at admin@bitbytecore.com.

18.8 Export Controls and Sanctions

You represent that you are not located in, and will not use the Service from, a country subject to comprehensive UAE, US, EU, or UK sanctions, and that you are not on any applicable denied-parties list.

18.9 Apple-Specific Terms

If you download the App from the Apple App Store, you acknowledge that these Terms are between you and Bit Byte Core (SMC-Private) Limited, not Apple, and that Apple is not responsible for the App or its content. Apple is a third-party beneficiary of these Terms entitled to enforce them against you.

Except where these Terms impose stricter obligations, your use of the App obtained from the Apple App Store is also governed by Apple’s standard Licensed Application End User License Agreement at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/, which is incorporated by reference.

18.10 Google-Specific Terms

If you obtained the App from Google Play, you acknowledge that these Terms are between you and Bit Byte Core (SMC-Private) Limited, not Google; Google is not a party to these Terms and is not responsible for the App or its content. Where the App offers subscriptions, Google (or its affiliate) acts solely as the payment processor for Google Play Billing; auto-renewal, cancellation, and Google’s refund window are governed by Google Play’s terms, while any support or refund beyond that is handled by us at admin@bitbytecore.com. You must comply with the Google Play Terms of Service. We, not Google, are responsible for the App, customer support, and any warranty or legal-compliance obligations relating to the App.

19. Contact

Questions about these Terms:

Thanks for using I’m I’ll. We’ll do our best to make the money side of your life a little less chaotic.