By using our website, applications and/or services from Expenzen (hereinafter, the "Services"), you agree to comply with the following terms and conditions (the "Terms") and our privacy policy and personal data treatment (the "Policy"). If you do not agree with these Terms or the Policy, do not access or use our Services.

Intellectual Property Rights

All Expenzen's content, including but not limited to, texts, graphics, images, logos, icons, and source code, is the property of Expenzen or third-party providers and is protected by international copyright laws. The reproduction, distribution, transmission, modification or use of such content without our prior written consent is strictly prohibited.

Use of the Services

You commit to using our Services for legal purposes and in accordance with these Terms and the Policy. You should not use the Services in a way that infringes intellectual property rights, privacy, or any other rights of third parties, nor in a way that violates applicable laws.

Registration and User Accounts

To access certain Services, you may need to register and create a user account. When registering, you must provide truthful, accurate, and complete information about yourself. You are responsible for maintaining the confidentiality of your password and all activities that occur in your account.

Privacy Policy and Personal Data Treatment

We are committed to protecting your privacy and treating your personal data in accordance with the applicable legislation on personal data protection. By using our Services, you agree that we collect, store, use and disclose your personal data in accordance with our Policy. For more information, please consult our Privacy Policy and Personal Data Treatment.

Limitation of Liability

Expenzen will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been warned of the possibility of such damages) resulting from the use or inability to use our Services.


You agree to indemnify and hold harmless Expenzen, its affiliates, directors, employees, and agents from any claim, demand, liability, damage, loss, cost or expense, including reasonable attorney's fees, arising from your use of the Services, your violation of these Terms or the Policy, or your violation of third party rights.


We reserve the right to modify these Terms and the Policy at any time, and such modifications will take effect immediately after their publication on our website. It is your responsibility to review these Terms and the Policy periodically to be aware of any changes. By continuing to use our Services after the posting of changes to the Terms or the Policy, you accept and agree to such changes.

Links to Third Party Sites

Our Services may contain links to third-party websites that are not owned or controlled by Expenzen. We have no control over the content, privacy policies, or practices of these third-party websites, and assume no responsibility for them. By accessing these third-party websites, you do so at your own risk and agree that Expenzen will not be liable, directly or indirectly, for any damage or loss caused or allegedly caused in connection with the use or reliance on the content, goods or services available on such third-party websites.

Applicable Law and Jurisdiction

These Terms and the Policy will be governed by and interpreted in accordance with the laws of the country where Expenzen is registered, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of such country to resolve any dispute related to these Terms, the Policy, or the use of our Services.

Communication through WhatsApp

By providing your mobile phone number and accepting these Terms and Conditions, Privacy Policy and Personal Data Treatment, you consent to being contacted by Expenzen through WhatsApp or other instant messaging services for the purpose of receiving information, updates and communications related to our products and services. You can opt out of receiving communications through WhatsApp or similar messaging services at any time by following the instructions provided in such communications or by contacting us directly through the contact information provided on our website. We commit to respect your privacy and not to share your mobile phone number with unauthorized third parties without your prior explicit consent. Please note that communications through WhatsApp and other messaging services may be subject to the privacy policies and terms and conditions of the respective messaging service providers. We recommend reviewing such policies and terms before using these messaging services to communicate with us.


If any provision of these Terms or the Policy is deemed invalid or unenforceable by a competent court, such provision will be removed, and the remaining provisions of these Terms and the Policy will continue in full force and effect.


No waiver of any term or condition of these Terms or the Policy will be effective unless it is in writing and signed by an authorized representative of Expenzen.

Title and Headings

The titles and headings used in these Terms and the Policy are for convenience only and have no legal or contractual effect.


If you have questions or concerns about these Terms, the Policy or our Services, please feel free to contact us through the contact information provided on our website.