内蒙古玄乾科技有限责任公司

鹦财记账用户协议

版本：V1.0生效日期：2026 年 7 月 6 日更新日期：2026 年 7 月 6 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。

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：指您通过第三方账号（如 Apple 账号，以及未来可能支持的 Google 账号、华为账号等）授权登录方式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。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。

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。

(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（包括未订阅 VIP 会员的用户）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、Excel 报表导出及批量导入为 VIP 会员专属的增值功能（详见第 3.2 条）。

3.2 增值服务

(1) 公司向您提供的增值服务包括但不限于：VIP 会员订阅、云端 AI 解析额度、多账本、增值格式的数据导出与批量导入（如 JSON 完整备份导出、Excel 报表导出、备份文件批量导入）、专属主题、去除广告，以及未来可能推出的云备份等服务。具体服务内容、权益范围以本软件内实际展示为准。

(2) 部分增值服务（如 VIP 云备份、跨平台账号权益共享等）为公司规划中的服务，尚未正式上线；其正式上线时间、功能形态以公司届时发布的公告及 App 内实际提供为准，本协议相关条款自该等服务实际上线之日起对您适用。该等服务上线时，公司将同步更新本协议相关条款，并依本协议第二条的程序向您告知。

(3) 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 免费额度与运营活动

(1) 公司向未订阅 VIP 会员的用户提供的云端 AI 解析免费试用额度、每日签到奖励额度等，属于公司自主开展的限时性、政策性运营活动，并非公司对服务内容的永久承诺。公司有权根据运营情况调整前述活动的额度数量、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。

(2) 前述免费额度、签到奖励及 VIP 会员的云解析额度等虚拟权益，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、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。

(3) 运营活动的调整或终止，不影响您在调整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。

(4) 云端 AI 解析额度、每日签到等依赖账号体系及公司服务器的功能，自其在本软件内实际上线之日起对您适用；上线前，本软件的语音记账通过本地规则解析完成。

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 或您的设备厂商）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；订阅 VIP 会员可按会员权益说明去除相应广告。

(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。您可通过公司支持的第三方账号（如 Apple 账号；Google 账号、华为账号登录功能上线后适用）授权登录方式创建并登录账号。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。账号注册、登录及相关云端服务自其在本软件内实际上线之日起对您适用。

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) 注销账号将导致您的云端解析剩余额度、签到记录等被删除且无法恢复，免费试用额度亦不会因您重新注册而重新发放；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。

4.7 不活跃账号。如您的账号连续十二（12）个月未登录且不存在有效订阅，为优化服务器资源，公司有权在提前三十（30）日通过 App 推送、公告等合理方式通知您后，对该账号采取回收、注销及清理其对应云端数据等措施。因此导致的账号项下虚拟权益灭失，公司不承担责任，但法律法规另有规定的除外。

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（按相应渠道规则，通常为到期前 24 小时）由渠道自动扣款并顺延一个订阅周期，除非您在当前周期结束前至少 24 小时按第 5.3 条所述路径取消续订。在每个自动续费扣款日期前五（5）日，公司将通过 App 内通知及/或推送通知等显著方式向您作出续费提醒（推送提醒需您已允许本软件的通知权限；相应第三方渠道亦可能按其平台规则另行向您发送续订提醒）。您亦可随时在本软件“我的”页面查看订阅状态及到期日期。

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 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相应渠道的“恢复购买”功能恢复有效订阅。

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. 在您主动开启云备份、云同步或使用导出功能时（相应功能上线后适用），按您的指令处理相应数据。

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。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) 您主动开启云备份、云同步等功能（相应功能上线后适用）；(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。云备份、云同步（含依托 Apple iCloud 等第三方云服务的同步功能，以及公司规划中的云备份服务）为尽力而为提供的增值服务，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（如仅保留最近若干份）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。

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 或设备厂商）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: V1.0Effective: July 6, 2026Last updated: July 6, 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.

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 via third-party authorized sign-in (such as an Apple ID, and in future possibly Google or Huawei accounts), 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 name of the large-model provider and its 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.

(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 non-VIP users) a free CSV export of your 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 your own bookkeeping data. Full JSON backup, Excel report export and bulk import are VIP-exclusive value-added features (see Section 3.2).

3.2 Value-Added Services

(1) Value-added services include, without limitation: VIP membership subscription, cloud AI parsing credits, multiple ledgers, premium export formats and bulk import (e.g., full JSON backup export, Excel report export, backup-file bulk import), exclusive themes, ad removal, and services that may launch in future such as cloud backup. The specific content and scope of entitlements are as actually presented in the Software.

(2) Some value-added services (such as VIP cloud backup and cross-platform entitlement sharing) are planned and not yet live; their launch time and form are subject to the Company's announcements and actual in-app availability, and the related terms apply to you from the date such services actually launch. When they launch, the Company will update the relevant terms and notify you under the procedure in Section 2.

(3) 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 Free Credits and Promotional Activities

(1) Free trial credits for cloud AI parsing and daily check-in rewards offered to non-VIP users are time-limited, discretionary promotional activities of the Company, not a permanent commitment. The Company may adjust the quantity, acquisition method and validity of such credits or terminate the activities based on operations, with notice via in-app announcement or similar means.

(2) The foregoing free credits, check-in rewards and VIP cloud-parsing allowances are virtual entitlements for your personal use within the Services only; they cannot be redeemed for cash, transferred, traded, exchanged or pledged. Except as otherwise required by law, consumed credits are not refunded or compensated.

(3) Adjustment or termination of promotional activities does not affect the normal use of credits you obtained under the activity rules before the adjustment takes effect and that remain valid; where already-issued credits must be zeroed out, the Company will give reasonable advance notice and a reasonable consumption period or equivalent compensation.

(4) Features relying on the account system and the Company's servers — cloud AI parsing credits, daily check-in, etc. — apply to you from the date they actually launch in the Software; before launch, voice bookkeeping is parsed by local rules.

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 or your device maker) 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; VIP members may have the corresponding ads removed per the membership benefit description.

(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 via third-party authorized sign-in supported by the Company (such as Apple ID; Google and Huawei sign-in once live). 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. Account registration, sign-in and related cloud services apply to you from the date they actually launch in the Software.

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 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) deletion removes your remaining cloud-parsing credits, check-in records, etc., irrecoverably, and free trial credits are not re-issued upon re-registration; a valid VIP subscription purchased via a Third-Party Channel can be re-verified after signing in again using that channel's “Restore Purchases” and continues for the remaining term. (2) Deletion does not remove the Bookkeeping Data stored locally on your device. (3) Paid subscription fees are not refunded upon deletion (except as otherwise required by law or the 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.

4.7 Inactive accounts. If your Account has not been signed in to for twelve (12) consecutive months and has no active subscription, the Company may — after thirty (30) days' prior notice via app push, announcement or other reasonable means — reclaim or delete the Account and clear its cloud data, to optimize server resources. The Company bears no liability for the resulting loss of virtual entitlements under the Account, except as otherwise required by law.

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: your subscription is automatically charged by the channel before each period expires (under channel rules, usually within 24 hours before expiry) and extended by one period, unless you cancel at least 24 hours before the current period ends via the paths in Section 5.3. Five (5) days before each auto-renewal charge date, the Company will remind you prominently via in-app notice and/or push notification (push reminders require that you have allowed the Software's notification permission; the relevant channel may also send its own renewal reminders under its platform rules). You may also check your subscription status and expiry date on the “Me” page at any time.

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 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 restore a valid subscription via the channel's “Restore Purchases”.

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 cloud backup or cloud sync or use export features (applicable once such features launch), processing the corresponding data per your instructions.

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. 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 cloud backup, cloud sync or similar features (applicable once live); (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. Cloud backup and cloud sync (including sync based on third-party cloud services such as Apple iCloud, and the Company's planned cloud-backup service) are best-effort value-added services whose availability 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 set rules (e.g., only the latest few retained), except where caused by the Company's intent or gross negligence.

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 or your device maker). 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)