内蒙古玄乾科技有限责任公司

鹦财记账用户协议

版本：V1.3生效日期：2026 年 7 月 29 日更新日期：2026 年 7 月 26 日

提示条款：《鹦财记账用户协议》（以下简称“本协议”）是您与内蒙古玄乾科技有限责任公司（以下简称“我们”或“公司”）之间就下载、安装、使用鹦财记账软件及相关服务所订立的具有法律约束力的协议。在您开始使用鹦财记账之前，请您务必审慎阅读、充分理解本协议全部内容，特别是免除或者限制我们责任的条款、对您的权利进行限制的条款、约定争议解决方式和司法管辖的条款等与您有重大利害关系的条款。前述条款已以加粗形式显著标识，请您重点查阅。

V1.3 重大变更公示：本次修订于 2026 年 7 月 21 日公示，并于 2026 年 7 月 29 日生效，提前公示七（7）日。主要变更包括：云备份转为正式高级版可选服务，收口跨端账号权益、账号登录、云解析及解析额度现状，新增高级版到期后 90 天取回与删除规则及恢复会话限额，并同步更新第 8.3、9.3、9.4 条。

欢迎您使用鹦财记账！

当您在首次启动页面阅读本协议及《鹦财记账隐私政策》后点击“同意”按钮，本协议即在您与公司之间成立并对双方产生约束力。点击“同意”是您接受本协议的方式；您下载、安装本软件或浏览本协议的行为本身不构成对本协议的同意。如您点击“不同意”或不同意本协议的任何内容，请勿使用鹦财记账及相关服务（您仍可在退出前浏览本协议及《鹦财记账隐私政策》）；您已创建账号的，可按照本协议第四条的约定注销账号。如您对本协议内容有任何疑问，可通过本协议文末载明的联系方式向我们咨询。

如您为不满 18 周岁的未成年人，请您在监护人的陪同下阅读本协议，并在取得监护人对本协议全部条款同意之后使用鹦财记账及相关服务。

目录

  1. 一、定义
  2. 二、协议范围与修改
  3. 三、服务说明
  4. 四、账号条款
  5. 五、会员服务与自动续费
  6. 六、用户行为规范
  7. 七、违约处理
  8. 八、知识产权与数据权属
  9. 九、免责声明与责任限制（请您重点阅读）
  10. 十、服务的变更、中止与终止
  11. 十一、个人信息保护
  12. 十二、未成年人使用条款
  13. 十三、不可抗力
  14. 十四、通知与送达
  15. 十五、法律适用与争议解决
  16. 十六、其他

一、定义

1.1 鹦财记账/本软件/本应用：指由公司开发并运营的语音记账软件，英文名称为“VoiceExpense”，繁体中文名称为“鸚財記帳”，包括其 iOS 版本、Android 版本、HarmonyOS 版本，以及公司后续开发的其他版本、更新和升级版本。

1.2 本服务：指公司通过本软件向您提供的各项功能与服务，包括基础记账服务（语音记账、手动记账、分类管理、统计图表、预算管理等）以及增值服务（详见本协议第三条）。

1.3 账目数据：指您在使用本服务过程中录入或产生的下列记账相关数据：交易类型、金额、项目名称、分类、记账日期、语音识别原文、货币种类、账本信息、自定义分类及预算设置。如本软件后续版本新增其他账目数据类型，公司将随版本更新本定义并依本协议第二条向您告知。

1.4 账号：指您通过邮箱验证码登录，或通过本软件实际支持且已完成上线配置的第三方账号（如 Apple 账号、Google 账号、华为账号等，以登录页面实际展示为准）授权登录，在本软件创建的用户账号，用于使用云端 AI 解析、会员权益等需要身份识别的服务。

1.5 VIP 会员/增值服务：指公司在基础记账服务之外，向付费用户或符合特定条件的用户提供的增值功能与权益的统称。

1.6 云端 AI 解析：指在您登录账号且具备相应额度期间，您使用语音记账时，本软件自动将语音识别产生的文字及本协议第 8.3 条载明的相关信息（不含录音音频）发送至公司服务器，由公司服务器调用第三方人工智能大模型进行语义解析、以生成记账建议的服务。当前第三方大模型服务为火山引擎豆包；具体服务提供方名称及其处理规则详见《鹦财记账隐私政策》之第三方共享清单。

1.7 第三方渠道：指 Apple App Store、Google Play、华为应用市场等应用分发及应用内购买支付渠道。

1.8 本协议：包括本协议正文、《鹦财记账隐私政策》，以及公司就本服务发布的各项规则、规范、公告、说明（以下统称“相关规则”）。相关规则的发布与修改均适用本协议第二条约定的告知与提示程序；相关规则与本协议正文不一致的，以本协议正文为准，但专门规则就其专门事项另有明确约定且已依第二条向您显著提示的除外。

二、协议范围与修改

2.1 本协议由您与公司共同缔结。本协议的签订地为公司住所地，即中华人民共和国内蒙古自治区巴彦淖尔市五原县。

2.2 根据国家法律法规变化、监管要求、产品和服务的更新迭代或运营需要，公司有权对本协议及相关规则进行修改。

2.3 本协议修改后，公司将通过 App 内公告、弹窗、推送通知、更新提示或其他合理、显著的方式向您告知修改内容。对于重大变更（指免责条款、收费与自动续费规则、争议解决条款、个人信息处理规则的实质性变化），公司将以弹窗等更为显著的方式提示您注意，并重新征得您的同意。

2.4 修改后的协议将提前至少七（7）日以第 2.3 条所述方式公示，自公示所载明的生效之日起生效，并同步更新版本号与更新日期。除依第 2.3 条须重新征得您同意的重大变更外，如您在修改后的协议生效后继续使用本服务，即视为您已阅读、理解并接受修改后的协议内容。如您不同意修改后的协议内容，您有权停止使用本服务，并可依照本协议第四条注销账号；您停止使用不影响您在此之前依法享有的权利。

2.5 本协议内容如与《鹦财记账隐私政策》就个人信息处理事项存在不一致的，以《鹦财记账隐私政策》为准。

三、服务说明

3.1 基础记账服务（免费）

(1) 本软件的基础记账功能免费向您提供，包括：语音记账（语音识别由您设备的系统语音识别服务或本软件内置的离线识别模型完成，并配合本地规则解析）、手动记账、账目查看与编辑、分类管理、统计图表、预算管理、每日提醒等。其中，未购买增值服务的用户在本软件内可查看与编辑的账目明细为最近 7 日的记录，可查看的统计范围为本月与上月（该范围内的趋势与分类分析完整可用）；新增与编辑自定义分类属于高级版权益。超出前述范围的账目仍完整保存在您的设备本地，不会被删除或改动；您可随时依第 3.1(3) 条完整导出，亦可在购买基础版或高级版后于本软件内查看与编辑全部历史账目。免费功能与各档权益的具体范围以本软件内权益对照表实际展示为准。

(2) 基础记账功能无需注册账号即可使用，账目数据默认存储于您的设备本地。您不授予麦克风权限的，仍可正常使用手动记账等基本功能。

(3) 为保障您依法行使对个人信息的查阅、复制权利，本软件向全体用户（包括未购买增值服务的用户）免费提供账目明细的 CSV 格式导出功能（包含日期、类型、项目、分类、金额等字段），作为您依《个人信息保护法》第四十五条取回、复制自己账目数据的基础途径。JSON 完整备份导入与导出、Excel 报表导出均为基础版及高级版功能（详见第 3.2 条）。前述 CSV 导出涵盖您所选账本与时间范围内的全部账目明细，不受第 3.1(1) 条所述最近 7 日展示范围的限制。

3.2 增值服务

(1) 公司向您提供基础版与高级版等增值服务，包括但不限于：云端 AI 解析额度、多账本、增值格式的数据导入导出、全部历史账目查看、专属主题、去除广告、云备份等服务。当前 JSON 完整备份导入与导出（含导入为新账本）、Excel 报表导出、基础版赠送的一次性云端 AI 解析额度、全部历史账目的查看与编辑、日详情与分类详情、任意年月及全部区间的统计、本地识别不限次数、去除广告，以及最多 3 个账本的多账本，属于基础版及高级版权益；每日云端 AI 解析额度、不限本数的多账本、自定义分类的新增与编辑、专属主题和云备份属于高级版权益；具体服务内容、权益范围以本软件内实际展示为准。

(2) 同一鹦财记账账号中已经服务器核验的基础版、高级版权益，可回流至支持相应权益的客户端使用，具体支持范围以各客户端实际展示为准。跨端权益回流不改变原购买关系：购买仍通过相应应用商店或购买渠道完成，取消订阅及退款仍须在原渠道办理；您在不同平台或不同账号重复购买或订阅的，权益不叠加、费用不合并。

(3) 云备份为高级版会员可选功能，默认关闭。仅用户主动备份或开启自动备份的账本会上传；首次使用前另行取得单独同意。每账号最多备份 10 个账本，每个账本滚动保留最新 1 个普通版本和 1 个周锚版本，总数最多 2 个，具体单版与总空间上限以 App 内展示为准。

(4) 本规则自本协议生效之日起实施，任何既有云备份的取回期起点均不会早于本协议生效日。高级版到期后立即停止新增上传和自动备份；应用商店宽限期或扣款重试保护结束后，已有云备份保留 90 天供用户取回、恢复、续订或主动删除。取回期届满后，公司将完成最终权益核验；如确认账号仍无任何有效高级权益，再删除全部云备份，删除后无法恢复；续订会在删除前取消删除计划。如应用商店通知、跨端权益回流或外部渠道状态暂时无法可靠核验，删除将为防止误删而顺延，直至能够确认权益状态；该等顺延只会延后、不会提前删除。

(5) 取回期内，每个账本每滚动 24 小时最多开启 1 个恢复会话，每个账号每滚动 24 小时最多开启 10 个账本恢复会话；每个会话持续 30 分钟，最多获取 3 次下载授权。查看云端列表、续订和主动删除不计入下载限额。

(6) 公司有权根据业务发展需要，对增值服务的具体内容、权益构成、使用规则进行调整（包括新增、变更或下线部分权益）。作出对用户权益有实质影响的调整前，公司将提前通过 App 内公告或推送等方式告知您。该等调整不应实质性减损您在已付费的当前订阅周期内所享有的核心权益（核心权益的范围见本协议第 5.5 条）。

3.3 解析额度与运营活动

(1) 按本软件当前规则，新账号注册成功后获赠 500 次本地解析额度；未持有基础版或高级版权益的账号每日首次签到可获 5 次本地解析额度。持有基础版或高级版权益的账号签到仅记录签到状态，不再发放本地解析额度。前述新账号赠送与签到奖励均仅用于本地解析，不属于云端 AI 解析额度。

(2) 用户首次购买基础版并完成权益核验后，获赠 50 次一次性云端 AI 解析额度；该额度不按日重置，用完即止。年度订阅附赠基础版权益、恢复购买或跨端回流已有基础版权益时，均不重复发放该 50 次额度。

(3) 高级版（VIP 会员）当前提供每日 30 次云端 AI 解析额度，按自然日重置，当日未使用完的次数不结转；具体每日数量以会员页面展示为准，并受本协议第 5.5 条、第 5.7 条约束。前述各类额度仅限您本人在本服务内使用，不可兑换现金，不可转让、买卖、置换或抵押；除法律法规另有规定外，已消耗的额度不予退还或补偿。

(4) 新账号本地解析额度赠送与每日签到奖励属于公司的运营活动。公司可根据运营情况调整其数量、获取方式、有效期或终止相关活动，并将通过 App 内公告等方式告知；调整或终止不影响您在生效前已依活动规则取得且仍在有效期内的额度的正常使用，确需对已发放额度作清零处理的，公司将提前合理期间告知，并给予合理的消耗期或等值补偿。

3.4 服务的技术依赖

(1) 语音识别功能由您设备的系统语音识别服务或本软件内置的离线识别模型完成；您使用系统语音识别服务时，录音音频可能由该系统服务提供方（如 Apple、Google、华为或其他设备/系统服务提供方）按照其服务条款与隐私政策进行处理（包括可能传输至其服务器）；录音音频不会上传至公司服务器。云端 AI 解析依赖公司服务器及第三方大模型服务；会员订阅依赖第三方渠道。前述第三方服务的可用性受其提供方的条款与运营状态约束。

(2) 云端 AI 解析服务不可用时（包括网络异常、额度耗尽、服务器维护等情形），本软件将自动回落至本地规则解析，基础记账功能不受影响。

3.5 广告

(1) 您理解并同意，公司可在本软件的免费服务中以开屏、横幅等形式向您展示商业广告或推广信息，并有权在依法向您告知的前提下调整其形式、位置与频率；持有基础版或高级版权益的用户可按相应权益说明去除广告。

(2) 本软件接入第三方广告服务（如广告 SDK）的，公司将在《鹦财记账隐私政策》的第三方共享清单中逐项列明，并按法律法规要求为个性化广告提供独立的关闭途径；本软件的广告不面向儿童进行定向投放。

(3) 第三方广告或推广信息由相应广告主提供并对其真实性、合法性负责。您基于该等信息与广告主进行的任何交易或互动，由您与广告主自行解决；在法律允许的范围内，公司对该等第三方广告内容及相关交易不承担责任，但公司未尽到法律法规规定的审核义务的除外。

3.6 软件更新与版本

(1) 为改善用户体验或保证安全，公司有权不时对本软件进行更新（包括功能调整、版本升级、停止对旧版本的维护与支持），并可能以系统提示、应用商店更新等方式向您提供新版本。

(2) 本软件新版本发布后，旧版本的部分或全部功能可能无法正常使用。公司不保证旧版本继续可用及其安全性，请您及时更新至最新版本；您因拒绝更新而产生的功能不可用等风险由您自行承担，但因公司故意或重大过失导致的除外。

(3) 公司不保证本软件与您的特定设备、操作系统版本完全兼容。

四、账号条款

4.1 注册与登录。您可通过邮箱验证码，或通过公司实际支持且已完成上线配置的第三方账号授权登录方式（如 Apple 账号、Google 账号、华为账号等，以登录页面实际展示为准）创建并登录账号。您使用邮箱验证码的，应确保所填邮箱由您本人合法持有，并妥善保管邮箱账号及验证码；您通过第三方账号登录的，应保证该第三方账号系您本人合法持有，并遵守该第三方的相关协议。

4.2 账号归属。鹦财记账账号的所有权归公司所有。您完成登录流程后，仅获得账号的使用权，且该使用权仅归属于您本人。您不得以任何形式赠与、出借、出租、转让、售卖账号或以其他方式许可他人使用账号。如公司发现或有合理理由认为账号使用者并非账号初始注册人，公司有权在通知您后中止或终止向该账号提供服务。

4.3 一人一账号。您承诺仅为您本人正常使用本服务之目的创建账号，不得恶意注册多个账号，不得通过注销后重新注册、篡改设备信息等方式重复获取免费试用额度或其他运营活动权益。

4.4 账号安全。您应妥善保管您用于登录的邮箱账号、验证码、第三方账号凭证及设备。因您自身原因（包括但不限于凭证泄露、设备转借、遭受钓鱼欺诈）导致账号被他人使用所产生的后果，由您自行承担；但因公司故意或重大过失导致的除外。您发现账号存在未经授权使用等异常情形的，应立即通过本协议文末的联系方式通知我们。

4.5 账号注销。您有权随时通过本软件内“我的—账号信息—注销账户”路径申请注销账号。注销后，您的账号数据将按照《鹦财记账隐私政策》的约定删除或匿名化处理。请您注意：(1) 账号及签到等业务记录会被删除；为防止通过“注销—重新注册”重复领取赠额，并保障未消耗额度不被重复发放或凭空增加，我们会按《鹦财记账隐私政策》保留不可逆身份校验值及必要的剩余额度快照。同一登录身份重新注册时可恢复该快照中的未消耗余额，但不会再次获得新账号赠送的 500 次本地解析额度。您经第三方渠道订阅的有效 VIP 会员，可在重新登录后通过相应渠道的“恢复购买”功能重新验证并在剩余订阅期内继续使用。(2) 注销账号不会删除存储于您设备本地的账目数据。(3) 已支付的订阅费用不因注销而退还（法律法规另有规定或第三方渠道政策另有约定的除外）。(4) 注销账号不会自动取消您的自动续费订阅——如您不希望被继续扣费，请务必在注销前按本协议第 5.3 条所述路径先行取消自动续订。

4.6 公司的处置权。如您违反本协议或相关规则、法律法规，公司有权依据本协议约定及合理证据，视违规行为的性质与情节采取警示、限制账号部分或全部功能、中止提供服务、冻结或封禁账号、禁止重新注册等一项或多项与违规情节相适应的措施，并有权扣减、冻结或不予退还与违规行为直接相关的、通过违规方式取得的额度或权益（法律法规另有规定的除外）；对您已付费取得且非因违规取得的会员权益的处理，适用本协议第 7.1 条的约定。采取前述措施时，公司将通过 App 内通知等方式告知您理由，您可通过本协议文末的联系方式提出申诉，公司将及时核查并反馈。

五、会员服务与自动续费

5.1 订阅方式与扣款主体。VIP 会员为自动续费订阅服务，分为连续包月、连续包季、连续包年等档位，具体名称、价格、周期以本软件购买页面及第三方渠道展示为准。订阅费用由您所使用的第三方渠道（Apple App Store、Google Play 或华为应用市场等）向您收取并管理，公司不直接收集、存储您的银行卡或其他支付账户信息。

5.2 自动续费提示。您订阅 VIP 会员即表示您选择开通自动续费服务：您的订阅将在每个订阅周期到期前依相应渠道规则由渠道自动扣款并顺延一个订阅周期，除非您在渠道规定的期限前按第 5.3 条所述路径取消续订。相应第三方渠道会依其平台规则向您提供续费、扣款或订阅状态提示；在本软件能够取得准确的续订状态且您已允许通知权限时，我们也可能提供辅助提醒。由于您可能关闭通知、长期未打开本软件或渠道状态同步存在延迟，请勿仅依赖本软件提醒；您可随时在本软件“我的”页面以及原购买渠道查看订阅状态、到期日期和自动续费设置。

5.3 取消续订路径。您可随时通过以下路径取消自动续订，取消操作不收取任何费用：

  • iOS：打开“设置”—点击您的 Apple 账户—“订阅”—选择“鹦财记账”—点击“取消订阅”；
  • Google Play（上线后适用）：打开 Play 商店—点击个人资料图标—“付款和订阅”—“订阅”—选择“鹦财记账”—取消订阅；
  • 华为应用市场（上线后适用）：进入华为“应用市场”或“华为账号中心”—“付款与账单”—“自动续费/扣费服务”—选择“鹦财记账”—取消。

取消续订后，您仍可在已付费的当前订阅周期内继续享有会员权益，自下一周期起不再扣费。

5.4 退款。订阅费用的收取与退款均由相应第三方渠道按其规则处理。如您需要申请退款，请按相应渠道的规则向渠道方提出（如 Apple 用户可通过 Apple 官方渠道 reportaproblem.apple.com 申请）；公司无法直接操作经由渠道收取的款项的退款，但将为您依渠道规则申请退款提供必要的协助。法律法规赋予您的退款权利不受本条影响。

5.5 会员权益的动态性与核心权益。VIP 会员的具体权益（包括但不限于每日云端 AI 解析次数、可创建账本数量、导出格式范围等）为公司的动态运营配置，公司有权基于业务发展、成本变化、法律要求等合理原因进行调整，并将在调整生效前通过 App 内公告等显著方式告知您。调整不应实质性减损您在已付费的当前订阅周期内的核心权益。本条所称核心权益，指：(1) 当期已付费订阅周期内每日云端 AI 解析次数不低于您购买时会员页面标示的数量；(2) 您已创建账本的继续使用与其中数据的正常访问；(3) 去除广告。如您不同意调整，您可依第 5.3 条取消续订。

5.6 权益专属。VIP 会员权益仅限您的账号本人使用，不得转让、出借、出售，不可兑换现金。您通过非公司认可渠道（包括代充、外挂、利用系统漏洞等）取得的会员权益，公司有权不予认可并依第 4.6 条处理。

5.7 额度的发放、重置与叠加。高级版（VIP 会员）当前每日云端 AI 解析额度为 30 次，按自然日发放并仅在当日有效：当日未使用完的次数不结转、不累计至次日；次日按会员页面标示的数量重新发放（跨天以您设备的本地日期为准）。首次购买基础版并完成权益核验后赠送的 50 次云端 AI 解析额度为一次性额度，不按日重置，用完即止。当您同时持有高级版与一次性额度时，系统先使用当日高级版额度，用尽后自动使用剩余的一次性额度。年度订阅附赠基础版权益、恢复购买或跨端回流已有基础版权益时，均不重复发放前述 50 次一次性云端解析额度。新账号赠送及每日签到发放的是本地解析额度，不属于本条云端 AI 解析额度。

5.8 退款与权益回收。订阅及一次性买断的退款申请均由原应用商店（如 Apple App Store、Google Play）受理并按其政策处理，公司不直接受理退款。退款成功后：(1) 相应订阅的会员权益即时终止；(2) 年度订阅被退款的，随该年度订阅附赠的基础版权益一并收回；(3) 基础版买断被退款的，基础版权益收回，随该笔购买已发放的一次性云端解析次数不予追回、但同一笔交易不再重复发放；(4) 年度订阅自然到期（未退款）不影响已附赠的基础版权益。退款信息由应用商店同步至本软件可能存在延迟，权益回收以服务器最终处理结果为准。订阅仅对购买时登录的账号生效；在多个平台或多个账号重复订阅的，权益不叠加、费用不合并，取消订阅须在各自原应用商店分别操作。

5.9 会员服务期限的计算、恢复购买、跨设备使用等具体规则，以本软件会员页面说明及相应渠道规则为准。您更换设备后可通过原购买渠道的“恢复购买”功能核验有效订阅；同一鹦财记账账号已核验的基础版、高级版权益，可依第 3.2 条回流至支持相应权益的客户端使用。

六、用户行为规范

6.1 您承诺依法、合理使用本服务，并不得从事下列行为：

  1. 利用本服务制作、复制、发布、传播、存储违反法律法规的信息，包括但不限于：反对宪法所确定的基本原则的；危害国家安全、泄露国家秘密、颠覆国家政权、破坏国家统一的；损害国家荣誉和利益的；煽动民族仇恨、民族歧视、破坏民族团结的；破坏国家宗教政策，宣扬邪教和封建迷信的；散布谣言，扰乱社会秩序，破坏社会稳定的；散布淫秽、色情、赌博、暴力、凶杀、恐怖或者教唆犯罪的；侮辱或者诽谤他人，侵害他人合法权益的；以及含有法律、行政法规禁止的其他内容的（包括在语音输入、账目名称、分类名称、账本名称等任何可输入内容中录入前述信息）；
  2. 对本软件进行反向工程、反向汇编、反向编译、破解，或以其他方式尝试获取本软件的源代码、内置模型、算法或数据；
  3. 删除、掩盖或篡改本软件中的任何版权、商标或其他权利声明；
  4. 未经公司书面许可，通过任何机器人、爬虫、脚本、模拟器或其他自动化手段访问、调用本服务或其接口，或对公司服务器实施可能造成不合理负载的行为；
  5. 利用技术手段绕过、干扰额度控制、频率限制、会员校验、防滥用等机制，包括但不限于篡改设备标识、伪造订阅凭证、恶意刷取免费额度或签到奖励；
  6. 将本服务或其任何部分用于商业性转售、出租、出借或向第三方提供服务；
  7. 传播含有病毒、木马、恶意代码的内容，或从事任何危害网络安全、侵入他人网络、干扰他人网络正常功能、窃取网络数据的活动；
  8. 冒用公司或第三方名义发布信息，或实施任何侵害公司或第三方合法权益的行为；
  9. 其他违反法律法规、公序良俗或本协议约定的行为。

6.2 您理解并同意，您应对通过您的账号及设备使用本服务的全部行为承担责任。

七、违约处理

7.1 如公司发现或收到他人举报、投诉您违反本协议或相关规则的，公司有权依据本协议约定及合理证据进行判断，并视违规行为的性质与情节采取以下一项或多项与之相适应的措施：(1) 警示；(2) 限制或暂停向您提供部分或全部服务（包括扣减、冻结与违规行为直接相关的、通过违规方式取得的额度或权益）；(3) 冻结或封禁账号；(4) 禁止重新注册；(5) 依法向有关主管机关报告；(6) 依法追究您的法律责任。对您已付费取得且非因违规取得的会员权益，除因您严重违反法律法规或本协议、导致账号被永久封禁的情形外，公司将按剩余期间比例向您退还相应费用或提供合理补偿（经由第三方渠道支付的款项，其退还受渠道退款机制约束，公司将提供必要协助）。

7.2 因您违反本协议或相关规则，导致公司或其关联方遭受任何第三方索赔、主管机关处罚或其他损失的（包括合理的律师费、公证费、诉讼费等），您应负责解决并赔偿公司或其关联方因此遭受的全部损失。

7.3 公司依据本条采取措施的，将通过 App 内通知等合理方式告知您。您如有异议，可通过本协议文末的联系方式申诉，公司将在核实后作出处理；申诉期间，公司有权维持相关措施。

八、知识产权与数据权属

8.1 公司的知识产权。本软件及本服务所包含的全部内容（包括但不限于软件程序、代码、界面设计、图标、图形、图表样式、文字、“鹦财记账”“VoiceExpense”等名称与标识、内置解析规则与模型配置）的知识产权及相关权益均归公司所有或公司已获得合法授权。未经公司书面许可，您不得以任何方式使用、复制、修改、传播、发行上述内容，法律法规允许的合理使用除外。您对本软件的使用不导致任何知识产权向您转移。

8.2 您的账目数据归您所有。您在使用本服务过程中录入、产生的账目数据（包括语音识别原文）归您所有。公司不会将您的账目数据用于本协议及《鹦财记账隐私政策》载明目的之外的用途，亦不会将其用于向您推送与记账服务无关的商业广告画像。

8.3 有限处理许可。为向您提供本服务之必需，您授予公司一项在服务期限内、以提供及改进本服务为限的、非独占的数据处理许可，具体范围限于：

  1. 在您的设备本地存储、读取、展示、统计您的账目数据；
  2. 在您登录账号且具备云端解析额度期间，您每次使用语音记账时，本软件将自动把语音识别产生的文字、您的语音语言设置、设备本地日期与时间、自定义分类信息（含分类代码、名称、类型及关键词），连同用于身份与额度校验的登录凭证（VIP 用户另附订阅凭证）传输至公司服务器；其中语音识别文字、语音语言设置、本地日期与时间及自定义分类信息将由公司服务器转发至第三方大模型服务方进行解析。额度用尽、未登录或网络不可用时，本软件自动改用本地解析，不发生前述传输。具体大模型服务提供方名称及其处理规则详见《鹦财记账隐私政策》之第三方共享清单；
  3. 在您主动开启公司云备份、使用导出功能，或在将来实际启用云同步功能后由您主动开启该功能时，按您的指令处理相应数据；其中公司云备份的上传范围、存储位置、加密方式、版本数量、会员到期后的 90 天取回与删除规则，以本协议第 3.2 条及《鹦财记账隐私政策》第 1.6 条为准。

除前述范围及法律法规另有规定外，公司不会以其他方式使用您可识别身份的账目数据，该许可不包括任何形式的一揽子转授权。您删除相关数据或注销账号后，该许可在相应范围内终止。为改进产品与服务质量，公司可对账目数据进行匿名化处理；经匿名化处理后无法识别特定个人且不能复原的数据不属于您的个人信息，公司可将其用于统计分析、算法与解析规则优化及产品改进。

8.4 您应保证您在使用本服务中录入的内容不侵犯任何第三方的合法权益。

8.5 用户反馈。您就本软件及本服务主动提交的任何意见、建议或反馈，视为您同意公司可在开发、改进产品与服务所需范围内无偿使用，且无需另行通知或支付费用；您保证有权作出前述授权。

九、免责声明与责任限制（请您重点阅读）

9.1 语音识别与 AI 解析结果免责。语音识别及 AI 语义解析受口音、语速、环境噪音、网络状况、语言模型能力等多种因素影响，识别与解析结果（包括金额、分类、日期、收支类型等）可能存在错误或偏差，仅供您参考。您应在保存每笔账目前自行核对确认，并可随时手动修改。因您未核对、未修改而导致的记录错误及由此产生的任何后果，公司不承担责任。

9.2 非专业建议声明。本软件提供的统计、图表、预算、结余等功能仅为对您自行录入数据的整理与信息展示，不构成任何财务、投资、税务、法律或其他专业建议。本软件展示或用于换算的汇率数据来源于第三方公开数据源，仅供记账换算参考，不构成外汇交易或投资依据；实际入账汇率以银行或支付机构为准。您依据前述信息作出的任何决策及其后果，由您自行承担。

9.3 本地数据风险自担。您的账目数据默认存储于您的设备本地。除下列情形外，公司服务器不留存您的账目明细：(1) 您使用云端 AI 解析时，为完成解析、额度核验及故障排查所必需的临时处理与依法留存的必要日志；(2) 您主动开启公司云备份，或在将来实际启用云同步功能后由您主动开启该功能；(3) 法律法规要求留存的情形。因您的设备丢失、损坏、刷机、恢复出厂设置、卸载本软件、系统升级异常、存储介质故障等原因导致的账目数据灭失、损坏，公司不承担责任。请您务必定期通过本软件提供的导出、备份功能自行备份账目数据；导出文件为未加密的本地文件，其保管责任由您自行承担。

9.4 云备份与云同步免责。公司目前提供的会员云备份为尽力而为提供的增值服务；依托 Apple iCloud 等第三方云服务的云同步目前未启用，仅在将来实际启用并由您主动开启后，本条有关云同步的约定方适用。上述云备份及将来可能启用的云同步，其可用性受网络状况、第三方云服务商的服务状态及其条款约束。公司不保证云备份可作为您账目数据的唯一或绝对可靠的存档方式，您仍应自行留存必要的本地备份。在法律允许的范围内，因第三方云服务不可用、备份文件按既定规则滚动覆盖等原因导致的数据无法恢复，公司不承担责任；但因公司故意或重大过失导致的除外。滚动覆盖、用户主动删除、账号注销以及高级版到期后的 90 天取回期届满并完成最终权益核验后所进行的删除，均属于公开的数据生命周期规则；公司仍应依约提供截止日期展示、删除前取回与续订机会，并完成最终权益核验。

9.5 服务中断免责。本服务可能受设备、网络、第三方服务（包括但不限于应用商店、支付渠道、系统语音识别服务、第三方大模型服务、云服务商）以及系统维护、升级、故障、不可抗力等多种因素影响。在法律允许的范围内，对因下列原因导致的服务中断、延误或数据传输异常，公司不承担责任：(1) 定期或紧急的系统维护、升级（公司将尽可能提前公告）；(2) 电信、电力等基础设施故障；(3) 前述第三方服务不可用、变更或终止；(4) 您的设备、网络环境或操作不当；(5) 不可抗力；(6) 在公司已依法采取合理安全防护措施的前提下，仍发生的黑客攻击、病毒侵袭等网络安全事件。但因公司故意或重大过失导致的除外。

9.6 按现状提供。在法律允许的范围内，本服务按“现状”和“可得到”的状态向您提供。公司不对本服务作出任何明示或默示的担保，包括但不限于不保证本服务持续可用、及时、安全、准确、无错误，亦不保证其满足您的特定需求；但本协议明确约定或法律法规另有规定的除外。

9.7 责任限制。在法律允许的最大范围内：(1) 公司不对任何间接损失、预期利益损失、商业机会损失、数据商业价值损失承担赔偿责任；(2) 公司就本协议项下向您承担的全部赔偿责任总额，不超过您在损害发生前十二（12）个月内因使用本服务实际支付的订阅费用总额（含经由第三方渠道支付的部分）；(3) 您未支付任何费用的，公司依法承担与其过错程度及您因此遭受的实际直接损失相适应的赔偿责任。

9.8 法定除外。本条前述任何免责及责任限制条款，均不适用于：(1) 因公司故意或重大过失造成您损害的情形；(2) 造成您人身损害的情形；(3) 依照法律法规不得免除或限制责任的其他情形。本条约定亦不排除您依法享有的消费者权利。

十、服务的变更、中止与终止

10.1 公司有权根据业务发展需要变更服务内容、暂停或终止部分服务功能。对用户权益有实质影响的变更，公司将提前通过 App 内公告、推送等方式告知。

10.2 发生下列情形之一的，公司有权中止或终止向您提供全部或部分服务：(1) 您违反本协议且未在合理期限内纠正；(2) 依据法律法规或主管机关要求；(3) 出现本协议第 9.5 条所列服务中断事由或第十三条所述不可抗力情形，且导致服务在合理期间内无法恢复；(4) 您注销账号。

10.3 停止运营。如公司决定停止运营本软件全部服务的，将提前至少三十（30）日通过 App 内公告及其他合理方式向您告知，并保障您自公告发布之日起不少于三十（30）日内可通过导出等功能取回您的账目数据；该期间内数据导出功能对全部用户（含未付费用户）无条件开放。该期限届满后，公司不再承担继续提供云端取回渠道的义务（您设备本地的账目数据不受影响）。停止运营后，公司将按照《鹦财记账隐私政策》及法律法规的规定处理相关个人信息。

10.4 服务终止后，公司没有义务为您继续保留账号内的云端数据（您设备本地的账目数据不受影响），但法律法规另有规定的除外。已付费用户在剩余订阅周期内因服务终止无法继续使用会员权益的，公司将依法按剩余期间比例向您退还相应费用或提供等值的合理补偿；经由第三方渠道支付的款项，其退还受该渠道退款机制约束，公司将为您提供必要协助。

十一、个人信息保护

11.1 公司高度重视您的个人信息保护。公司处理您个人信息的目的、方式、范围、保存期限及您行使个人信息权利的方式与途径，详见《鹦财记账隐私政策》。请您在使用本服务前仔细阅读。

11.2 公司承诺：公司不会主动采集您的录音音频，亦不会将录音音频上传至公司服务器；您设备的系统语音识别服务对录音音频的处理，受相应系统服务提供方（如 Apple、Google、华为或其他设备/系统服务提供方）的条款约束。公司服务器对您账目明细的处理，以本协议第 9.3 条及《鹦财记账隐私政策》载明的范围为限。

十二、未成年人使用条款

12.1 本软件主要面向成年人提供服务，不以未成年人为目标用户。

12.2 如您为未满 18 周岁的未成年人，应在您的父母或其他监护人的同意和指导下阅读本协议并使用本服务；如您为未满 14 周岁的儿童，请勿自行注册账号或使用需联网的云端服务，相关操作应由您的监护人完成或在其明示同意后进行。

12.3 监护人应切实履行监护职责，指导未成年人正确使用网络及本服务，防止未成年人沉迷网络或进行与其年龄、智力不相适应的消费。如监护人发现未成年人在未经其同意的情况下使用了本服务或进行了付费行为，请及时通过本协议文末的联系方式与我们联系。

十三、不可抗力

13.1 不可抗力是指不能预见、不能避免且不能克服的客观情况，包括但不限于自然灾害（洪水、地震、台风、疫情等）、政府行为、法律法规或政策的颁布调整、战争、罢工、骚乱、大范围电信或电力故障等。

13.2 因不可抗力导致本服务中止、终止或您遭受损失的，公司将尽合理努力减少影响，并在法律允许的范围内免于承担相应责任。

十四、通知与送达

14.1 公司向您发出的通知，可以通过 App 内公告、弹窗、推送通知、系统消息或其他合理方式作出。一般性通知于发布或发送之日视为送达；涉及您重大利害关系的通知（包括本协议重大变更、对您账号的处置措施、停止运营公告等），自发布之日起满七（7）日或您实际登录查看之日（以先到者为准）视为送达。请您及时关注 App 内公告与通知。

14.2 您对公司的通知，应通过本协议文末载明的联系方式或公司公示的其他官方渠道送达。

十五、法律适用与争议解决

15.1 本协议的订立、效力、解释、履行及争议解决，均适用中华人民共和国（为本协议之目的，不含香港特别行政区、澳门特别行政区及台湾地区）法律。若您所在司法辖区的强制性法律为您提供了不可通过约定排除的更高保护或不同的争议解决安排的，从其规定。

15.2 因本协议或本服务产生的任何争议，您与公司应首先友好协商解决；自任何一方书面提出协商之日起三十（30）日内未能解决的，任何一方均有权向被告住所地有管辖权的人民法院提起诉讼。

15.3 本协议任何条款的部分或全部无效，不影响其他条款的效力。无效条款应在不违反法律规定的前提下，按照尽可能接近该条款原意及本协议目的的原则重新解释和适用。

十六、其他

16.1 转让。未经公司书面同意，您不得将本协议项下的权利义务转让给任何第三方。您理解并同意：公司因合并、分立、重组、业务调整等原因，需将本协议项下的全部或部分权利义务转让给其关联公司或继受主体的，无需另行取得您的同意，公司将通过 App 内公告等合理方式向您告知；涉及个人信息转移的，按《鹦财记账隐私政策》及法律法规执行。

16.2 完整协议。本协议构成您与公司之间就本服务达成的完整约定，取代双方此前就同一事项达成的任何口头或书面约定。

16.3 弃权。公司未行使或未及时行使本协议项下任何权利，不构成对该权利的放弃，亦不影响公司在此后行使该权利。

16.4 语言版本。本协议以简体中文订立。本软件或本协议的任何其他语言版本仅为方便用户而提供，若其他语言版本与简体中文版本存在歧义或冲突的，以简体中文版本为准。

16.5 与第三方渠道条款的关系。本协议仅在您与公司之间订立，Apple、Google、华为等第三方渠道并非本协议的当事方，不对本软件承担维护与支持义务。您通过第三方渠道下载本软件或进行应用内购买的，还应遵守该渠道的相关条款（如 Apple 标准最终用户许可协议及相关服务条款）；就应用分发、支付及退款事项，本协议与渠道条款不一致的，以渠道条款为准。

16.6 标题。本协议各条款标题仅为阅读方便而设，不具有独立法律含义，不作为解释条款内容的依据。

16.7 存续。本协议第七条（违约处理）、第八条（知识产权与数据权属）、第九条（免责声明与责任限制）、第十四条（通知与送达）、第十五条（法律适用与争议解决）及依其性质应当存续的其他条款，在本协议终止或您的账号注销后继续有效。

16.8 联系我们。如您对本协议有任何疑问，或需要进行投诉、申诉，可通过下列方式与我们联系。对于投诉与申诉，我们将尽快处理，一般将于十五（15）个工作日内向您反馈处理结果；对于一般性意见或建议，我们将酌情参考采纳，恕不逐一回复。

运营主体：内蒙古玄乾科技有限责任公司
注册地址：内蒙古自治区巴彦淖尔市五原县隆兴昌镇虹亚新城 25-6 门市
联系邮箱：contact@xuanqiantech.com
官方网站：xuanqiantech.com（蒙ICP备2026005964号-1）

VoiceExpense User Agreement

Version: V1.3Effective: July 29, 2026Last updated: July 26, 2026

Notice: This VoiceExpense User Agreement (this “Agreement”) is a legally binding agreement between you and Inner Mongolia Xuanqian Technology Co., Ltd. (“we”, “us” or the “Company”) concerning the download, installation and use of the VoiceExpense software and related services. Before you start using VoiceExpense, please read and fully understand this entire Agreement, especially the clauses that exempt or limit our liability, restrict your rights, or stipulate dispute resolution and jurisdiction — clauses of material importance to you, which are prominently marked in bold. This Agreement is made in Simplified Chinese; in case of any discrepancy between the English translation and the Chinese version, the Chinese version shall prevail.

V1.3 material-change notice: This revision is published on July 21, 2026 and takes effect on July 29, 2026, following seven (7) days' advance publication. Its principal changes make Cloud Backup an officially available optional Premium feature, align the current status of cross-client Account entitlements, Account sign-in, cloud parsing and parsing quotas, add the 90-day retrieval and deletion rules after Premium expiry and recovery-session limits, and update Sections 8.3, 9.3 and 9.4 accordingly.

Welcome to VoiceExpense!

When you tap “Agree” after reading this Agreement and the VoiceExpense Privacy Policy on the first-launch screen, this Agreement is formed between you and the Company and becomes binding on both parties. Tapping “Agree” is how you accept this Agreement; merely downloading or installing the software or browsing this Agreement does not constitute acceptance. If you tap “Disagree” or do not accept any part of this Agreement, please do not use VoiceExpense or the related services (you may still browse this Agreement and the Privacy Policy before exiting); if you have already created an account, you may delete it under Section 4. If you have any questions about this Agreement, you may contact us via the details at the end.

If you are a minor under 18, please read this Agreement accompanied by your guardian and use VoiceExpense and the related services only after your guardian has consented to all its terms.

Table of Contents

  1. 1. Definitions
  2. 2. Scope and Amendment of This Agreement
  3. 3. Description of Services
  4. 4. Account Terms
  5. 5. Membership and Auto-Renewal
  6. 6. User Conduct
  7. 7. Handling of Breaches
  8. 8. Intellectual Property and Data Ownership
  9. 9. Disclaimers and Limitation of Liability (Please Read Carefully)
  10. 10. Changes, Suspension and Termination of Services
  11. 11. Personal Information Protection
  12. 12. Terms for Minors
  13. 13. Force Majeure
  14. 14. Notices and Delivery
  15. 15. Governing Law and Dispute Resolution
  16. 16. Miscellaneous

1. Definitions

1.1 VoiceExpense / the Software / the App: the voice-driven bookkeeping software developed and operated by the Company, named “鹦财记账” in Chinese and “鸚財記帳” in Traditional Chinese, including its iOS, Android and HarmonyOS editions and any other versions, updates and upgrades the Company subsequently develops.

1.2 the Services: the features and services the Company provides to you through the Software, including the basic bookkeeping services (voice bookkeeping, manual bookkeeping, category management, statistics and charts, budget management, etc.) and value-added services (see Section 3).

1.3 Bookkeeping Data: the following bookkeeping-related data you enter or generate while using the Services: transaction type, amount, item name, category, record date, speech-recognition transcript, currency, ledger information, custom categories and budget settings. If later versions of the Software add other bookkeeping data types, the Company will update this definition with the release and notify you under Section 2.

1.4 Account: the user account you create in the Software by signing in with an email verification code, or through an authorized third-party account that the Software actually supports and has made available (such as an Apple ID, Google account or Huawei ID, as actually shown on the sign-in page), used for services requiring identification such as cloud AI parsing and membership entitlements.

1.5 VIP Membership / Value-Added Services: collectively, the additional features and entitlements the Company provides beyond the basic bookkeeping services to paying users or users meeting specific conditions.

1.6 Cloud AI Parsing: the service whereby, while you are signed in and hold the relevant credits, each time you use voice bookkeeping the Software automatically sends the recognized text and the related information listed in Section 8.3 (excluding audio recordings) to the Company's server, which calls a third-party artificial-intelligence large language model to perform semantic parsing and generate record suggestions. The current third-party large-model service is Volcengine Doubao; the service provider's name and processing rules are detailed in the third-party list of the VoiceExpense Privacy Policy.

1.7 Third-Party Channels: app distribution and in-app purchase payment channels such as the Apple App Store, Google Play and Huawei AppGallery.

1.8 this Agreement: the body of this Agreement, the VoiceExpense Privacy Policy, and the rules, specifications, announcements and explanations the Company publishes regarding the Services (the “Related Rules”). Publication and amendment of Related Rules follow the notice procedures in Section 2; where Related Rules conflict with the body of this Agreement, the body prevails, except where a specific rule expressly provides otherwise for its specific subject matter and has been prominently brought to your attention under Section 2.

2. Scope and Amendment of This Agreement

2.1 This Agreement is concluded between you and the Company. The place of conclusion is the Company's domicile: Wuyuan County, Bayannur, Inner Mongolia Autonomous Region, the People's Republic of China.

2.2 The Company may amend this Agreement and the Related Rules in response to changes in laws and regulations, regulatory requirements, product and service iteration, or operational needs.

2.3 After an amendment, the Company will inform you of the changes via in-app announcement, pop-up, push notification, update notice or other reasonable and prominent means. For material changes (substantive changes to exemption clauses, fees and auto-renewal rules, dispute-resolution clauses, or personal-information processing rules), the Company will alert you in a more prominent manner such as a pop-up and obtain your consent anew.

2.4 Amended terms will be published at least seven (7) days in advance in the manner described in Section 2.3 and take effect on the stated effective date, with the version number and date updated accordingly. Except for material changes requiring renewed consent under Section 2.3, your continued use of the Services after the amended Agreement takes effect constitutes your having read, understood and accepted it. If you do not accept the amended terms, you may stop using the Services and may delete your account under Section 4; stopping use does not affect rights you lawfully enjoyed beforehand.

2.5 Where this Agreement is inconsistent with the VoiceExpense Privacy Policy on matters of personal-information processing, the Privacy Policy prevails.

3. Description of Services

3.1 Basic Bookkeeping Services (Free)

(1) The Software's basic bookkeeping features are provided free of charge, including: voice bookkeeping (speech recognition performed by your device's system speech service or the Software's built-in offline recognition model, combined with local rule-based parsing), manual bookkeeping, viewing and editing records, category management, statistics and charts, budget management, and daily reminders. For users who have purchased no value-added service, the record details that can be viewed and edited within the Software cover the most recent 7 days, and the statistics range that can be viewed covers the current and the previous month (within that range, trend and category analysis are fully available); creating and editing custom categories is a Premium entitlement. Records outside those ranges remain stored in full on your device and are neither deleted nor altered; you may export them in full at any time under Section 3.1(3), and after purchasing Basic or Premium you may view and edit your entire record history within the Software. The precise scope of the free features and of each tier's entitlements is as actually presented in the entitlement comparison table in the Software.

(2) The basic bookkeeping features require no account, and Bookkeeping Data is stored locally on your device by default. If you do not grant microphone permission, you can still use manual bookkeeping and other basic features normally.

(3) To safeguard your statutory rights of access and copy over personal information, the Software provides all users (including users who have purchased no value-added service) a free CSV export of their record details (containing fields such as date, type, item, category and amount), as the baseline channel — pursuant to Article 45 of the Personal Information Protection Law — for retrieving and copying their own bookkeeping data. Full JSON backup import and export, as well as Excel report export, are available to both Basic and Premium users (see Section 3.2). The CSV export described above covers all record details within the ledger and date range you select, and is not limited by the most-recent-7-days display range described in Section 3.1(1).

3.2 Value-Added Services

(1) The Company provides value-added services including Basic and Premium, such as cloud AI parsing quotas, multiple ledgers, value-added data import and export formats, full record-history access, exclusive themes, ad removal and Cloud Backup. At present, full JSON backup import and export (including importing as a new ledger), Excel report export, the one-off cloud AI parsing quota granted with Basic, viewing and editing the entire record history, day details and category details, statistics for any month, any year and the full range, unlimited local recognition, ad removal, and multiple ledgers up to 3 ledgers are Basic and Premium entitlements; the daily cloud AI parsing quota, unlimited ledgers, creating and editing custom categories, exclusive themes and Cloud Backup are Premium entitlements; the specific service content and entitlement scope are as actually presented in the Software.

(2) Basic and Premium entitlements verified by the server under the same VoiceExpense Account may be restored to and used in clients that support the relevant entitlements; the exact scope of support is as actually presented by each client. Cross-client entitlement restoration does not alter the original purchase relationship: purchases remain made through the applicable app store or purchase channel, while subscription cancellation and refunds must still be handled through the original channel; duplicate purchases or subscriptions on different platforms or Accounts do not stack, and their fees are not combined.

(3) Cloud Backup is an optional Premium Membership feature and is off by default. Only ledgers that you manually back up or for which you enable automatic backup are uploaded; separate consent will be obtained before first use. Each Account may back up no more than 10 ledgers, and each ledger retains the latest 1 ordinary version plus 1 weekly anchor version on a rolling basis, for no more than 2 versions in total. Per-version and total storage limits are as displayed in the Software.

(4) This rule is implemented from the effective date of this Agreement, and the retrieval period for any existing Cloud Backup will not begin earlier than that effective date. When Premium Membership expires, new uploads and automatic backup stop immediately. After any app-store grace period or billing-retry protection ends, existing Cloud Backups are retained for 90 days so that you may retrieve or restore them, renew your membership, or delete them voluntarily. After the retrieval period expires, the Company will complete a final entitlement verification; only if the Account is confirmed to have no valid Premium entitlement will all Cloud Backups then be deleted, irreversibly. Renewal before deletion cancels the scheduled deletion. If app-store notices, cross-client entitlement restoration or another external channel's status cannot temporarily be verified reliably, deletion will be deferred to prevent erroneous deletion until the entitlement status can be confirmed; such deferral may only postpone deletion and will never bring it forward.

(5) During the retrieval period, no more than 1 recovery session may be opened for each ledger in any rolling 24-hour period, and no more than 10 ledger recovery sessions may be opened for each Account in any rolling 24-hour period. Each session lasts 30 minutes and permits no more than 3 download authorizations. Viewing the cloud ledger list, renewing membership and voluntary deletion do not count toward the download limits.

(6) The Company may adjust the specific content, composition and usage rules of value-added services as its business develops (including adding, changing or retiring certain entitlements). Before an adjustment with substantive impact on user entitlements, the Company will notify you in advance via in-app announcement or push notification. Such adjustments shall not substantively diminish the core entitlements you enjoy within a current paid subscription period (see Section 5.5 for the scope of core entitlements).

3.3 Parsing Quotas and Promotional Activities

(1) Under the Software's current rules, a newly registered Account receives 500 local parsing counts; an Account without a Basic or Premium entitlement receives 5 local parsing counts for its first check-in each day. For an Account holding a Basic or Premium entitlement, check-in only records the check-in status and grants no local parsing counts. The new-account grant and check-in reward described above are for local parsing only and are not cloud AI parsing counts.

(2) When a user purchases Basic for the first time and entitlement verification is completed, the user receives 50 one-off cloud AI parsing counts. This quota does not reset daily and ends when used up. No additional 50-count grant is issued when Basic is gifted with a yearly subscription, or when an existing Basic entitlement is restored through Restore Purchases or cross-client entitlement restoration.

(3) Premium Membership currently provides 30 cloud AI parsing counts per day, reset by calendar day; unused counts do not carry over. The specific daily amount is as shown on the membership page and is subject to Sections 5.5 and 5.7. The foregoing quotas are for your personal use within the Services only and cannot be redeemed for cash, transferred, traded, exchanged or pledged. Except as otherwise required by law, consumed counts are not refunded or compensated.

(4) The new-account grant of local parsing counts and daily check-in rewards are promotional activities of the Company. The Company may adjust their quantity, acquisition method or validity, or terminate the activities based on operations, with notice via in-app announcement or similar means. An adjustment or termination does not affect normal use of counts obtained under the activity rules before it takes effect and still valid; if already-issued counts must be zeroed out, the Company will give reasonable advance notice and a reasonable consumption period or equivalent compensation.

3.4 Technical Dependencies

(1) Speech recognition is performed by your device's system speech service or the Software's built-in offline model. When you use a system speech service, your audio may be processed by that provider (such as Apple, Google, Huawei, or another device or system-service provider) under its terms of service and privacy policy (including possible transmission to its servers); audio is never uploaded to the Company's servers. Cloud AI parsing depends on the Company's servers and a third-party large-model service; membership subscriptions depend on Third-Party Channels. The availability of those third-party services is subject to their providers' terms and operating status.

(2) When cloud AI parsing is unavailable (including network failure, exhausted credits or server maintenance), the Software automatically falls back to local rule-based parsing, and basic bookkeeping is unaffected.

3.5 Advertising

(1) You understand and agree that the Company may display commercial advertisements or promotional information in the free services in forms such as splash screens and banners, and may adjust their form, placement and frequency subject to lawful notice; users holding either Basic or Premium entitlements may have ads removed as described in the corresponding benefits.

(2) If the Software integrates third-party advertising services (such as an ad SDK), the Company will list them item by item in the third-party list of the VoiceExpense Privacy Policy and, as required by law, provide an independent opt-out for personalized advertising; the Software's advertising is not targeted at children.

(3) Third-party advertisements or promotions are provided by the respective advertisers, who are responsible for their truthfulness and legality. Any transaction or interaction you enter into with an advertiser based on such information is between you and the advertiser; to the extent permitted by law, the Company bears no liability for such third-party ad content and related transactions, except where the Company failed to perform review obligations required by law.

3.6 Software Updates and Versions

(1) To improve user experience or ensure security, the Company may update the Software from time to time (including feature adjustments, version upgrades, and ending maintenance and support for old versions), and may deliver new versions via system prompts or app-store updates.

(2) After a new version is released, some or all features of old versions may stop working properly. The Company does not warrant the continued availability or security of old versions; please update promptly. Risks such as feature unavailability arising from your refusal to update are borne by you, except where caused by the Company's intent or gross negligence.

(3) The Company does not warrant that the Software is fully compatible with your particular device or operating-system version.

4. Account Terms

4.1 Registration and sign-in. You may create and sign in to an Account with an email verification code, or through an authorized third-party account that the Company actually supports and has made available (such as an Apple ID, Google account or Huawei ID, as actually shown on the sign-in page). When using an email verification code, you must ensure that you lawfully hold the email address entered and safeguard the email account and code; when signing in via a third-party account, you warrant that it is lawfully held by you and that you comply with that third party's agreements.

4.2 Account ownership. Ownership of VoiceExpense accounts belongs to the Company. Upon completing sign-in you obtain only a right to use the Account, personal to you alone. You may not gift, lend, rent, transfer or sell the Account or otherwise permit others to use it. If the Company finds, or has reasonable grounds to believe, that the user of an Account is not its original registrant, the Company may suspend or terminate services to that Account after notifying you.

4.3 One person, one account. You undertake to create an Account solely for your own normal use of the Services, not to maliciously register multiple accounts, and not to repeatedly obtain free trial credits or other promotional entitlements by deleting and re-registering, tampering with device information, or similar means.

4.4 Account security. You must safeguard the email account, verification codes, third-party credentials and devices you use to sign in. Consequences of your Account being used by others due to causes attributable to you (including, without limitation, credential leakage, lending your device, or falling victim to phishing) are borne by you, except where caused by the Company's intent or gross negligence. If you discover unauthorized use or other anomalies, notify us immediately via the contact details at the end of this Agreement.

4.5 Account deletion. You may apply to delete your Account at any time via Me → Account Info → Delete Account in the Software. After deletion, your Account data is deleted or anonymized as provided in the VoiceExpense Privacy Policy. Please note: (1) the Account and business records such as check-in records will be deleted. To prevent repeated receipt of promotional quotas through “delete and re-register” and to ensure that unused quotas are neither re-issued nor artificially increased, we retain an irreversible identity-verification value and the necessary snapshot of remaining quotas as described in the VoiceExpense Privacy Policy. If the same sign-in identity registers again, its unused balance in that snapshot may be restored, but the 500 local parsing counts granted to a new Account will not be granted again. A valid VIP subscription purchased via a Third-Party Channel can be re-verified after you sign in again using that channel's “Restore Purchases” and continues for the remaining term. (2) Account deletion does not remove Bookkeeping Data stored locally on your device. (3) Paid subscription fees are not refunded upon deletion (except as otherwise required by law or the Third-Party Channel's policy). (4) Deleting the Account does not automatically cancel your auto-renewing subscription — if you do not wish to keep being charged, be sure to cancel first via the paths in Section 5.3.

4.6 The Company's remedies. If you violate this Agreement, the Related Rules or the law, the Company may, based on this Agreement and reasonable evidence and commensurate with the nature and severity of the violation, take one or more measures including warning, restricting some or all Account features, suspending services, freezing or banning the Account, and barring re-registration, and may deduct, freeze or decline to refund credits or entitlements directly related to and obtained through the violation (except as otherwise required by law); treatment of membership entitlements you paid for and did not obtain through violation is governed by Section 7.1. When taking such measures the Company will inform you of the reasons via in-app notice or similar means; you may appeal via the contact details at the end, and the Company will review and respond promptly.

5. Membership and Auto-Renewal

5.1 Subscription and billing party. VIP membership is an auto-renewing subscription offered in monthly, quarterly and yearly tiers; names, prices and periods are as shown on the purchase page and by the Third-Party Channel. Subscription fees are collected and managed by the Third-Party Channel you use (Apple App Store, Google Play or Huawei AppGallery, etc.); the Company does not directly collect or store your bank-card or other payment-account information.

5.2 Auto-renewal notice. By subscribing to VIP membership you opt in to auto-renewal: before each subscription period expires, the channel will automatically charge you and extend the subscription by one period under its applicable rules, unless you cancel through the paths in Section 5.3 before the channel's stated deadline. The relevant Third-Party Channel will provide renewal, charge or subscription-status notices under its platform rules. Where the Software can obtain accurate renewal status and you have enabled notifications, we may also provide an auxiliary reminder. Because you may disable notifications, leave the Software unopened for a long period, or experience delayed channel-status synchronization, do not rely solely on a Software reminder. You may check your subscription status, expiry date and auto-renewal setting at any time in the “Me” page and in the original purchase channel.

5.3 How to cancel. You may cancel auto-renewal at any time free of charge:

  • iOS: open Settings — tap your Apple account — Subscriptions — select “VoiceExpense” — Cancel Subscription;
  • Google Play (once live): open the Play Store — tap your profile icon — Payments & subscriptions — Subscriptions — select “VoiceExpense” — cancel;
  • Huawei AppGallery (once live): open AppGallery or the Huawei ID center — Payment & billing — Auto-renewal/deduction services — select “VoiceExpense” — cancel.

After cancelling, you retain membership benefits for the remainder of the paid current period, and no further charges occur from the next period.

5.4 Refunds. Collection and refunds of subscription fees are handled by the respective Third-Party Channel under its rules. To request a refund, apply to the channel under its rules (e.g., Apple users may apply via Apple's official channel reportaproblem.apple.com); the Company cannot directly refund amounts collected via a channel but will provide necessary assistance for your refund request under the channel's rules. Refund rights conferred on you by law are unaffected by this clause.

5.5 Dynamic entitlements and core entitlements. Specific VIP entitlements (including, without limitation, daily cloud AI parsing counts, number of ledgers, and export-format range) are dynamic operational configurations; the Company may adjust them for reasonable causes such as business development, cost changes or legal requirements, with prominent advance notice via in-app announcement before the adjustment takes effect. Adjustments shall not substantively diminish your core entitlements within a paid current subscription period. “Core entitlements” means: (1) a daily cloud AI parsing count in the current paid period no lower than what the membership page stated when you purchased; (2) continued use of ledgers you created and normal access to their data; (3) ad removal. If you disagree with an adjustment, you may cancel renewal under Section 5.3.

5.6 Personal entitlements. VIP entitlements are for your own Account only and may not be transferred, lent, sold or redeemed for cash. The Company may refuse to recognize membership entitlements obtained through channels it does not endorse (including proxy top-ups, cheats or exploiting system vulnerabilities) and handle them under Section 4.6.

5.7 Issuance, reset and stacking of quotas. Premium Membership currently provides 30 cloud AI parsing counts per day, issued per calendar day and valid for that day only: unused counts do not carry over or accumulate to the next day; the count is re-issued the next day at the amount stated on the membership page (day boundaries follow your device's local date). The 50 cloud AI parsing counts granted after a first-time Basic purchase and entitlement verification are a one-off quota that does not reset daily and ends when used up. If you hold both Premium Membership and the one-off quota, the daily Premium count is used first, after which any remaining one-off quota is used automatically. No additional 50-count one-off cloud quota is issued when Basic is gifted with a yearly subscription, or when an existing Basic entitlement is restored through Restore Purchases or cross-client entitlement restoration. New-account and daily check-in grants are local parsing counts, not the cloud AI parsing counts governed by this Section.

5.8 Refunds and entitlement revocation. Refund requests for subscriptions and one-time purchases are handled by the original app store (e.g. Apple App Store, Google Play) under its policies; the Company does not process refunds directly. Once a refund is granted: (1) the membership benefits of the refunded subscription terminate immediately; (2) if a yearly subscription is refunded, the Basic entitlement gifted with that yearly subscription is revoked together with it; (3) if the one-time Basic purchase is refunded, the Basic entitlement is revoked; the one-off cloud parsing counts already granted with that purchase are not clawed back, but will not be granted again for the same transaction; (4) natural expiry of a yearly subscription (without refund) does not affect the gifted Basic entitlement. Refund information reaches this Software from the app store with possible delay; entitlement revocation is subject to the server's final processing. A subscription takes effect only for the Account signed in at the time of purchase; duplicate subscriptions across platforms or Accounts do not stack and are not merged, and cancellation must be performed separately in each original app store.

5.9 Specific rules on term calculation, restoring purchases and cross-device use are as described on the membership page and under the respective channel's rules. After changing devices, you may verify and restore a valid subscription via the original purchase channel's “Restore Purchases”; Basic and Premium entitlements verified under the same VoiceExpense Account may be restored to clients supporting the relevant entitlements under Section 3.2.

6. User Conduct

6.1 You undertake to use the Services lawfully and reasonably, and not to:

  1. use the Services to create, copy, publish, disseminate or store information that violates laws and regulations, including, without limitation, information that opposes the basic principles established by the Constitution; endangers national security, divulges state secrets, subverts state power or undermines national unity; harms national honor and interests; incites ethnic hatred or discrimination or undermines ethnic unity; undermines state religious policy or promotes cults and feudal superstition; spreads rumors, disturbs social order or undermines social stability; disseminates obscenity, pornography, gambling, violence, homicide, terror or abets crime; insults or defames others or infringes their lawful rights and interests; or contains other content prohibited by laws and administrative regulations (including entering such information in voice input, record names, category names, ledger names or any other input field);
  2. reverse engineer, disassemble, decompile or crack the Software, or otherwise attempt to obtain its source code, built-in models, algorithms or data;
  3. remove, obscure or alter any copyright, trademark or other rights notices in the Software;
  4. without the Company's written permission, access or call the Services or their interfaces via any bot, crawler, script, emulator or other automated means, or impose unreasonable load on the Company's servers;
  5. use technical means to bypass or interfere with credit controls, rate limits, membership verification, anti-abuse or similar mechanisms, including, without limitation, tampering with device identifiers, forging subscription receipts, or maliciously farming free credits or check-in rewards;
  6. use the Services or any part thereof for commercial resale, rental or lending, or to provide services to third parties;
  7. disseminate content containing viruses, trojans or malicious code, or engage in any activity endangering cybersecurity, intruding into others' networks, interfering with their normal functioning or stealing network data;
  8. publish information in the name of the Company or a third party without authority, or commit any act infringing the lawful rights and interests of the Company or third parties;
  9. engage in any other conduct violating laws and regulations, public order and good morals, or this Agreement.

6.2 You understand and agree that you are responsible for all activity conducted through your Account and devices in using the Services.

7. Handling of Breaches

7.1 If the Company discovers, or receives reports or complaints, that you have violated this Agreement or the Related Rules, it may make a determination based on this Agreement and reasonable evidence and, commensurate with the nature and severity of the violation, take one or more of the following measures: (1) warning; (2) restricting or suspending some or all Services to you (including deducting or freezing credits or entitlements directly related to and obtained through the violation); (3) freezing or banning the Account; (4) barring re-registration; (5) reporting to competent authorities in accordance with law; (6) pursuing your legal liability in accordance with law. For membership entitlements you paid for and did not obtain through violation, the Company will refund the corresponding fees pro rata for the remaining period or provide reasonable compensation — except where your serious violation of law or this Agreement led to a permanent ban (amounts paid via Third-Party Channels are subject to the channel's refund mechanism; the Company will provide necessary assistance).

7.2 If your violation of this Agreement or the Related Rules causes the Company or its affiliates to face any third-party claim, penalty by a competent authority or other loss (including reasonable attorneys' fees, notarization fees and litigation costs), you shall resolve the matter and indemnify the Company or its affiliates for all resulting losses.

7.3 When taking measures under this Section, the Company will inform you via in-app notice or other reasonable means. If you disagree, you may appeal via the contact details at the end; the Company will act after verification, and may maintain the measures during the appeal.

8. Intellectual Property and Data Ownership

8.1 The Company's intellectual property. All intellectual-property rights and related interests in the entire content of the Software and the Services (including, without limitation, software programs, code, interface designs, icons, graphics, chart styles, text, names and marks such as “鹦财记账” and “VoiceExpense”, and built-in parsing rules and model configurations) belong to the Company or are lawfully licensed to it. Without the Company's written permission you may not use, copy, modify, disseminate or distribute such content in any way, except for fair use permitted by law. Your use of the Software transfers no intellectual property to you.

8.2 Your Bookkeeping Data belongs to you. The Bookkeeping Data you enter or generate while using the Services (including speech transcripts) belongs to you. The Company will not use your Bookkeeping Data for purposes beyond those stated in this Agreement and the VoiceExpense Privacy Policy, nor use it to build commercial advertising profiles unrelated to the bookkeeping service.

8.3 Limited processing license. As necessary to provide the Services, you grant the Company a non-exclusive data-processing license, for the service term and limited to providing and improving the Services, whose scope is limited to:

  1. storing, reading, displaying and computing statistics over your Bookkeeping Data locally on your device;
  2. while you are signed in and hold cloud-parsing credits, each time you use voice bookkeeping the Software automatically transmits to the Company's server the recognized text, your voice-language setting, the device's local date and time, and your custom-category information (including category codes, names, types and keywords), together with the login credential for identity and credit verification (plus the subscription receipt for VIP users); of these, the recognized text, voice-language setting, local date and time and custom-category information are relayed by the Company's server to the third-party large-model provider for parsing. When credits are exhausted, you are signed out, or the network is unavailable, the Software automatically switches to local parsing and no such transmission occurs. The name of the large-model provider and its processing rules are detailed in the third-party list of the VoiceExpense Privacy Policy;
  3. when you actively enable the Company's Cloud Backup or use export features, or after cloud sync is actually enabled in the future and you actively enable it, processing the corresponding data per your instructions; for the Company's Cloud Backup, the scope of uploaded data, storage location, encryption method, number of retained versions, and the 90-day retrieval and deletion rules after membership expiry are governed by Section 3.2 of this Agreement and Section 1.6 of the VoiceExpense Privacy Policy.

Beyond the foregoing scope and except as otherwise provided by law, the Company will not otherwise use Bookkeeping Data that can identify you, and this license includes no blanket sublicensing of any kind. The license terminates to the corresponding extent when you delete the relevant data or your Account. To improve product and service quality, the Company may anonymize Bookkeeping Data; data that after anonymization cannot identify a specific individual and cannot be restored is not your personal information, and the Company may use it for statistical analysis, optimization of algorithms and parsing rules, and product improvement.

8.4 You warrant that the content you enter while using the Services does not infringe any third party's lawful rights and interests.

8.5 User feedback. Any comments, suggestions or feedback you voluntarily submit regarding the Software and the Services are deemed your consent for the Company to use them, free of charge and without further notice, to the extent needed to develop and improve its products and services; you warrant that you are entitled to grant this authorization.

9. Disclaimers and Limitation of Liability (Please Read Carefully)

9.1 Speech-recognition and AI-parsing disclaimer. Speech recognition and AI semantic parsing are affected by accent, speaking speed, ambient noise, network conditions, language-model capability and other factors; results (including amount, category, date and income/expense type) may contain errors or deviations and are for your reference only. You should verify and confirm each record before saving and may edit it manually at any time. The Company bears no liability for record errors caused by your failure to verify or correct, or for any consequences arising therefrom.

9.2 No professional advice. The statistics, charts, budget and balance features of the Software merely organize and present the data you entered and do not constitute financial, investment, tax, legal or other professional advice. Exchange-rate data displayed or used for conversion in the Software comes from third-party public data sources and is provided solely as a reference for bookkeeping conversion; it does not constitute a basis for foreign-exchange trading or investment, and the actual rate applied to your transactions is that of your bank or payment institution. Any decision you make based on such information, and its consequences, are your own responsibility.

9.3 Local-data risk. Your Bookkeeping Data is stored locally on your device by default. Except in the following cases, the Company's servers retain no transaction details of yours: (1) when you use cloud AI parsing — the temporary processing necessary to complete parsing, verify credits and troubleshoot, and logs whose retention is required by law; (2) when you actively enable the Company's Cloud Backup, or after cloud sync is actually enabled in the future and you actively enable it; (3) where retention is required by law. The Company bears no liability for loss or damage of Bookkeeping Data caused by loss or damage of your device, flashing or factory reset, uninstalling the Software, abnormal system upgrades, storage-media failure or similar causes. Please back up your data regularly using the export and backup features; export files are unencrypted local files whose safekeeping is your responsibility.

9.4 Cloud backup and sync disclaimer. The membership Cloud Backup currently provided by the Company is a best-effort value-added service. Cloud sync based on third-party cloud services such as Apple iCloud is not currently enabled; the cloud-sync provisions of this Section apply only if that feature is actually enabled in the future and you actively enable it. The availability of Cloud Backup and any cloud sync enabled in the future is subject to network conditions and the third-party cloud provider's service status and terms. The Company does not warrant that Cloud Backup is the sole or absolutely reliable archive of your Bookkeeping Data; you should still keep necessary local backups. To the extent permitted by law, the Company bears no liability for unrecoverable data caused by third-party cloud unavailability or rolling overwrite of backup files under disclosed rules, except where caused by the Company's intent or gross negligence. Rolling overwrite, voluntary deletion by you, Account deletion, and deletion after the 90-day retrieval period following Premium Membership expiry has ended and final entitlement verification has been completed are all governed by disclosed data-lifecycle rules; the Company must still display the deletion deadline as agreed, provide opportunities to retrieve the data and renew before deletion, and complete final entitlement verification.

9.5 Service-interruption disclaimer. The Services may be affected by devices, networks, third-party services (including, without limitation, app stores, payment channels, system speech recognition, third-party large-model services and cloud providers), and system maintenance, upgrades, failures and force majeure. To the extent permitted by law, the Company bears no liability for interruptions, delays or abnormal data transmission caused by: (1) scheduled or emergency maintenance and upgrades (announced in advance where possible); (2) failures of telecom, power or other infrastructure; (3) unavailability, change or termination of the foregoing third-party services; (4) your device, network environment or improper operation; (5) force majeure; (6) cybersecurity incidents such as hacking or virus attacks occurring despite the Company having taken reasonable protective measures in accordance with law — except where caused by the Company's intent or gross negligence.

9.6 As-is provision. To the extent permitted by law, the Services are provided “as is” and “as available”. The Company makes no express or implied warranties regarding the Services, including, without limitation, no warranty of continuous availability, timeliness, security, accuracy or freedom from error, nor that they meet your particular needs — except as expressly agreed in this Agreement or otherwise provided by law.

9.7 Limitation of liability. To the maximum extent permitted by law: (1) the Company is not liable for any indirect loss, loss of anticipated profit, loss of business opportunity or loss of the commercial value of data; (2) the Company's aggregate liability to you under this Agreement shall not exceed the total subscription fees you actually paid for the Services in the twelve (12) months preceding the damage (including amounts paid via Third-Party Channels); (3) if you paid nothing, the Company bears compensation liability in accordance with law commensurate with its degree of fault and your actual direct loss.

9.8 Statutory exceptions. None of the foregoing disclaimers or limitations applies to: (1) damage caused to you by the Company's intent or gross negligence; (2) personal injury caused to you; (3) other cases where liability may not be excluded or limited under laws and regulations. Nor does this Section exclude your statutory consumer rights.

10. Changes, Suspension and Termination of Services

10.1 The Company may change service content and suspend or terminate certain features as its business develops. For changes with substantive impact on user entitlements, the Company will give advance notice via in-app announcement, push notification or similar means.

10.2 The Company may suspend or terminate all or part of the Services to you if: (1) you violate this Agreement and fail to remedy within a reasonable period; (2) required by laws, regulations or competent authorities; (3) a service-interruption event under Section 9.5 or a force-majeure event under Section 13 occurs and the Services cannot be restored within a reasonable period; (4) you delete your Account.

10.3 Cessation of operations. If the Company decides to cease operating all services of the Software, it will notify you at least thirty (30) days in advance via in-app announcement and other reasonable means, and ensure that for no fewer than thirty (30) days from the announcement you can retrieve your Bookkeeping Data via export and similar features; during that period, data export is unconditionally open to all users (including non-paying users). After that period, the Company no longer has an obligation to maintain a cloud retrieval channel (the Bookkeeping Data on your device is unaffected). After cessation, the Company will handle related personal information in accordance with the VoiceExpense Privacy Policy and applicable law.

10.4 After termination, the Company has no obligation to keep the cloud data in your Account (local data on your device is unaffected), except as otherwise required by law. If paying users cannot continue to use membership benefits for the remaining subscription period because of termination, the Company will refund the corresponding fees pro rata for the remaining period in accordance with law or provide reasonable compensation of equal value; amounts paid via Third-Party Channels are subject to the channel's refund mechanism, with the Company providing necessary assistance.

11. Personal Information Protection

11.1 The Company attaches great importance to protecting your personal information. The purposes, methods, scope and retention of processing, and how you exercise your rights, are detailed in the VoiceExpense Privacy Policy. Please read it carefully before using the Services.

11.2 The Company undertakes: the Company does not proactively capture your audio recordings and does not upload audio to its servers; your device's system speech-recognition service processes audio under the terms of the respective system provider (such as Apple, Google, Huawei, or another device or system-service provider). The Company's servers process your transaction details only within the scope stated in Section 9.3 and the VoiceExpense Privacy Policy.

12. Terms for Minors

12.1 The Software is intended primarily for adults and does not target minors.

12.2 If you are a minor under 18, you should read this Agreement and use the Services with the consent and under the guidance of your parents or other guardian; if you are a child under 14, do not register an account or use network-dependent cloud services yourself — such operations should be performed by your guardian or with their express consent.

12.3 Guardians should earnestly fulfill their duties, guiding minors in the proper use of the internet and the Services and preventing internet addiction or spending inappropriate to their age and judgment. If a guardian finds that a minor has used the Services or made payments without consent, please contact us promptly via the details at the end of this Agreement.

13. Force Majeure

13.1 Force majeure means objective circumstances that are unforeseeable, unavoidable and insurmountable, including, without limitation, natural disasters (floods, earthquakes, typhoons, epidemics, etc.), government actions, enactment or adjustment of laws, regulations or policies, war, strikes, riots, and large-scale telecom or power failures.

13.2 Where force majeure causes suspension or termination of the Services or loss to you, the Company will make reasonable efforts to mitigate the impact and, to the extent permitted by law, is exempt from the corresponding liability.

14. Notices and Delivery

14.1 Notices from the Company may be given via in-app announcement, pop-up, push notification, system message or other reasonable means. Ordinary notices are deemed delivered on the date of publication or sending; notices of material importance to you (including material amendments to this Agreement, measures against your Account, and cessation-of-operations announcements) are deemed delivered seven (7) days after publication or on the date you actually sign in and view them, whichever is earlier. Please pay timely attention to in-app announcements and notices.

14.2 Your notices to the Company should be delivered via the contact details at the end of this Agreement or other official channels the Company publishes.

15. Governing Law and Dispute Resolution

15.1 The formation, validity, interpretation, performance and dispute resolution of this Agreement are governed by the laws of the People's Republic of China (for the purposes of this Agreement, excluding the Hong Kong and Macao Special Administrative Regions and Taiwan). Where mandatory law of your jurisdiction affords you higher protection that cannot be excluded by agreement, or a different dispute-resolution arrangement, that law prevails.

15.2 Any dispute arising from this Agreement or the Services shall first be resolved through friendly negotiation between you and the Company; if unresolved within thirty (30) days from either party's written request for negotiation, either party may bring an action before the competent people's court at the defendant's domicile.

15.3 The invalidity of any provision, in whole or in part, does not affect the validity of the remaining provisions. Invalid provisions shall be reinterpreted and applied, without violating the law, in the manner closest to their original intent and the purpose of this Agreement.

16. Miscellaneous

16.1 Assignment. Without the Company's written consent you may not assign your rights and obligations under this Agreement to any third party. You understand and agree that where the Company needs to assign all or part of its rights and obligations under this Agreement to an affiliate or successor due to merger, division, restructuring or business adjustment, no further consent from you is required; the Company will inform you via in-app announcement or other reasonable means, and any transfer of personal information will follow the VoiceExpense Privacy Policy and applicable law.

16.2 Entire agreement. This Agreement constitutes the entire agreement between you and the Company regarding the Services and supersedes any prior oral or written understandings on the same subject.

16.3 No waiver. The Company's failure or delay in exercising any right under this Agreement is not a waiver of that right and does not affect its later exercise.

16.4 Language versions. This Agreement is made in Simplified Chinese. Any other language version of the Software or this Agreement is provided for convenience only; in case of any ambiguity or discrepancy between another language version and the Simplified Chinese version, the Simplified Chinese version shall prevail.

16.5 Relationship with channel terms. This Agreement is concluded solely between you and the Company; Third-Party Channels such as Apple, Google and Huawei are not parties to it and bear no maintenance or support obligations for the Software. When downloading the Software or making in-app purchases via a Third-Party Channel, you must also comply with that channel's terms (such as Apple's standard EULA and related terms of service); on matters of app distribution, payment and refunds, where this Agreement conflicts with the channel's terms, the channel's terms prevail.

16.6 Headings. Headings are for reading convenience only, carry no independent legal meaning, and are not a basis for interpreting the provisions.

16.7 Survival. Section 7 (Handling of Breaches), Section 8 (Intellectual Property and Data Ownership), Section 9 (Disclaimers and Limitation of Liability), Section 14 (Notices and Delivery), Section 15 (Governing Law and Dispute Resolution) and other provisions that by their nature should survive remain effective after this Agreement terminates or your Account is deleted.

16.8 Contact us. If you have any question about this Agreement or need to file a complaint or appeal, contact us as follows. We handle complaints and appeals as quickly as possible and generally respond with the outcome within fifteen (15) business days; general comments and suggestions are considered at our discretion and may not receive individual replies.

Operator: Inner Mongolia Xuanqian Technology Co., Ltd.
Registered address: Unit 25-6, Hongya New Town, Longxingchang Town, Wuyuan County, Bayannur, Inner Mongolia, China
Email: contact@xuanqiantech.com
Official website: xuanqiantech.com (ICP filing: 蒙ICP备2026005964号-1)