Terms of Service

Last updated: December 16, 2025

1. Acceptance of Terms

By downloading, installing, or using Tunu Nexus ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Description of Service

Tunu Nexus is a personal budgeting and financial management application that helps you:

  • Track income and expenses
  • Create and manage budgets
  • Set and monitor financial goals
  • Track investments
  • Receive AI-powered financial insights
  • Store data securely on your device with optional cloud backup
  • And other features to help you manage your finances effectively

3. User Responsibilities

You are responsible for:

  • Maintaining the confidentiality of your device and any backup passwords
  • All activities that occur through your use of the App
  • The accuracy of the financial information you enter
  • Ensuring your device meets the minimum requirements to run the App
  • Keeping your app updated to the latest version

4. Data and Privacy

All financial data is stored encrypted on your device. The App has no backend services, and we do not have access to your financial information.

If you choose to enable the optional Google Drive backup feature, your financial data will first be encrypted locally on your device before being uploaded to your personal Google Drive account. The encryption key never leaves your device.

The App may automatically collect anonymized device information for analytics, crash reporting, and performance optimization through Google Play Services. This may include device identifiers, event logs, and usage statistics. This data is processed under legitimate interest (GDPR) and does not include personal financial information.

For detailed information on how your data is collected, used, and protected—including GDPR and CCPA rights—please refer to the Privacy Summary below and our full Privacy Policy.

4.1 Privacy Summary (GDPR & CCPA)

Data We Collect

We only collect anonymized device information such as device ID, crash logs, and performance metrics for analytics and error reporting. We do not collect names, emails, financial data, contact lists, or location data. SMS messages are processed locally on your device only if you explicitly enable the transaction import feature.

Local Data Storage

All budgeting and financial data is stored locally on your device in encrypted form. This data never leaves your device unless you enable Google Drive backup.

Cloud Backup (Optional)

If enabled, encrypted backups are saved to your personal Google Drive. Tunu Nexus cannot access or read these backups. Access to your Drive is limited strictly to the App-created backup folder.

Payments

All payments and subscriptions are processed by Google Play or Apple App Store. We do not store or process payment information.

Data Sharing

We do not sell, share, or transfer your data to third parties. The only third parties involved are Google Play Services and Google Drive, both used strictly for analytics and backup.

Your Rights

Under GDPR and CCPA, you may request deletion of analytics data, withdraw backup consent, opt out of analytics, or request information about data processing. Financial data stored on your device is entirely under your control.

5. Financial Advice Disclaimer

Important: Tunu Nexus is a financial management tool and does NOT provide financial, investment, tax, or legal advice. The AI-powered insights are for informational purposes only and should not be considered professional financial guidance. Always consult qualified professionals before making financial decisions.

6. Intellectual Property

The App, including its design, features, functionality, and content, is owned by Tunu Nexus and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or reverse engineer the App.

7. Subscription and Payments

Some features may require a subscription or one-time payment. All payments are processed through the Google Play Store or Apple App Store. Refunds are subject to the respective store's refund policies.

8. Limitation of Liability

To the maximum extent permitted by law, Tunu Nexus shall not be liable for:

  • Any direct, indirect, incidental, or consequential damages
  • Loss of data, profits, or financial losses
  • Decisions made based on the App's insights or recommendations
  • Interruptions or errors in the App's functionality

9. Warranty Disclaimer

The App is provided "AS IS" without warranties of any kind, either express or implied. We do not guarantee that the App will be error-free, secure, or uninterrupted.

10. Data Backup

While we provide optional backup features, you are solely responsible for maintaining backups of your data. We recommend regularly exporting your data and enabling cloud backup.

11. Prohibited Uses

You may not use the App to:

  • Engage in any illegal activities
  • Attempt to hack, reverse engineer, or compromise the App's security
  • Use the App for any commercial purposes without authorization
  • Violate any applicable laws or regulations

12. Termination

We reserve the right to terminate or suspend your access to the App at any time, with or without notice, for violation of these Terms or for any other reason.

13. Changes to Terms

We may modify these Terms at any time. Continued use of the App after changes constitutes acceptance of the modified Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

16. Translation Disclaimer

The App and its content may be translated automatically using software powered by artificial intelligence or other translation tools. While we strive for accuracy, automatic translations may contain errors, inaccuracies, or offensive language due to context misinterpretation.

Tunu Nexus and its developers apologize for any such occurrences but assume no liability for any misunderstandings, errors, or offensive content resulting from translation. The official language of the App is English, and in case of any discrepancy, the English version shall prevail.

17. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: support@tununexus.com

Website: https://tununexus.com