Terms of Use
Review the service, subscription and credit terms before using Javger Finance or making a purchase.
Scope of the service
Javger Finance is provided by Ugur Bassarac as a tool for organising, reporting on and planning personal financial records; it is not a bank or payment institution and does not transfer money from your bank account. Transfers between accounts update records within the app. The service does not provide investment, tax or legal advice.
Check the accuracy of data you enter and scan results you save. AI responses, forecasts and reports may be incomplete or incorrect; they are not guaranteed financial outcomes or personalised investment advice.
Account and access
Keep account details accurate and protect your sign-in credentials. Enter other people’s data only if you are authorised to share it. Contact support if you suspect unauthorised access. Paid features may require a verified subscription and/or the relevant credit balance; conditions are shown in the app before the action.
Pro access and a credit balance are separate conditions. Currently, Assistant requires active Pro and 5 credits per message. Receipt Scan does not require Pro and uses 50 credits per scan. Technical and security usage limits may apply; sufficient credits do not mean unlimited requests. See the current feature scope on the Features and Pro page.
Pro subscription and renewal
The purchase screen shows prices, periods, any introductory offer conditions and included credits for weekly, monthly or yearly Pro options. The amount and terms shown in Apple’s purchase confirmation apply. Introductory offers are available only to eligible users; the displayed standard renewal price applies after the offer ends.
Current plans provide 100 credits per weekly period, 500 per monthly period and 3,650 per yearly period. Credits are granted once for each verified purchase or renewal transaction; yearly credits are not distributed in daily instalments.
Payment is charged to your Apple account. Unless cancelled, the subscription automatically renews at the end of the selected period. Cancel at least 24 hours before the current period ends to prevent renewal. Manage or cancel it through iPhone Settings → your Apple Account → Subscriptions → Javger Finance. Cancellation generally does not immediately end access for the remaining paid period.
Apple determines when plan changes take effect and any price adjustments, as shown in its confirmation flow. A purchase or restore is verified against the associated Javger account. Use the Apple Account used for the purchase and its associated Javger account. Restoring is not a new purchase, does not grant previously credited transactions a second time and does not return spent credits.
If you see a purchase-linked-to-another-account warning, sign in to the associated Javger account or request support through Recover my subscription before paying again. A support request does not automatically transfer a subscription or credits; account and purchase ownership must be verified separately. Deleting your account or uninstalling the app does not cancel the subscription.
Credits, usage and refunds
Credits are for credit-consuming features within Javger Finance only; they are not money, a deposit or an investment. Buying a credit pack does not itself grant Pro membership. The required credit amount is shown in the app before the action.
Unused credits purchased through in-app purchase do not expire and are not removed merely because time has passed. Expiry of Pro does not reset unused purchased credits on time-expiry grounds. Use, approved refunds and permanent account deletion you request are separate circumstances. Before deleting an account, you can contact support about your remaining balance and the consequences for access.
When a scan fails technically or the image is identified as not being a receipt/invoice, the service attempts to refund deducted credits automatically. A scan that returns a result may use credits even if some fields cannot be read; choosing not to save the result does not automatically refund credits. If an expected refund is missing, contact us with the approximate processing time so the records can be reviewed.
A credit refund is different from a monetary refund from Apple. For Apple payments, submit refund requests through Apple’s refund channel; Apple evaluates those requests. Your statutory consumer rights remain unaffected.
TestFlight and Sandbox purchases are for testing. Test credits are tracked separately from genuine purchased credits and do not represent a real payment or a real-balance grant.
AI and privacy
Assistant or Receipt Scan data is transferred to the provider after you explicitly permit the relevant feature. Verify results and avoid sharing unnecessary personal or sensitive information. Data flows, providers and retention are explained in the Privacy Policy.
Usage rules and service changes
Do not use the service unlawfully, attempt to access other accounts, bypass purchase verification or abuse the system with harmful content or automated misuse. Necessary access restrictions may be applied to protect security. Maintenance, technical outages or provider availability may affect features.
Material price or subscription changes are communicated under applicable Apple rules and law. These terms do not exclude liabilities or consumer rights that cannot lawfully be excluded.
Account deletion and contact
You can delete your account in the app through Profile → My Account → Delete Account. The action is irreversible and does not automatically transfer a subscription or credits to a new account. The Data Deletion Policy explains deleted records, limited retention and what to do if you cannot access the app. Send questions to support@javgerfinance.com.