RROW Terms of Use

1. Eligibility

You may use RROW if you have the legal capacity required to enter into a binding agreement under applicable law. Minors may use the service only with the permission and supervision of a legal representative where permitted by law. You confirm that registration information is accurate.

2. Purpose of the service

RROW is a personal finance record-keeping app for income, regular expenses, everyday spending, monthly budgets, debts and repayments, savings and emergency reserves. It includes a calendar, reminders, analytics, Excel export, a reference fiat currency converter and optional AI reports. Family and Business workspaces, investments and cryptocurrency features are not available in the current version.

RROW is not a bank, payment service, broker, investment adviser, accountant, tax adviser or law firm. It does not hold money or securities, execute payments or trades, or guarantee returns, savings or achievement of any financial goal.

3. Account and security

Registration and sign-in use Apple only and are also governed by Apple's terms. RROW does not receive your Apple Account password. Protect your Apple Account and device, and contact support if you suspect unauthorized access. We may require renewed authentication for security.

4. User data and accuracy

You review amounts, currencies, dates, categories, statuses and records. Recognition, rates and calculations may contain errors or delays. A budget is a plan, not a restriction on bank payments: overspending reduces the following budget; you choose to carry a positive remainder forward or record it in your reserve. Contributions, withdrawals and repayments are records, not money transfers.

You retain rights in information, images and notes you add and grant the Company a limited right to process them solely to operate, protect, synchronise and improve RROW in accordance with the Privacy Policy.

5. Receipt scanning and AI features

At your request, RROW may send a receipt image to an AI processing provider to extract an amount, date, currency, name and suggested category. The receipt recognition result is a draft: before saving the transaction, you must review and, where necessary, correct each field.

Separate, optional consent to share aggregated amounts, currencies and standard categories with OpenAI enables weekly, monthly, quarterly and annual personal finance reports automatically. Consent is available during registration or in Reports; accepting the terms and privacy policy alone does not enable AI. Declining does not restrict core bookkeeping. Reports use synchronized data after the current calendar period ends, with consent given before its end, starting at 09:00 in the selected time zone. The app calculates amounts; AI prioritizes suggestions. Saved reports are not recalculated when records change. Disable new reports in Reports; history remains until account deletion or an applicable deletion request. Earlier weekly-only consent does not enable other periods. Receipt scanning requires separate consent and does not enable reports.

Automated recommendations are informational, do not account for all of your circumstances and are not financial, investment, tax or legal advice. You make decisions and assume related risks yourself.

6. Reference exchange rates

Frankfurter supplies reference fiat exchange rates. Rates may be delayed and differ from a bank or exchange office; they are not an offer to exchange money. RROW does not exchange currencies. A recorded transaction rate is used for calculations and analytics.

7. Acceptable use

You must not use RROW unlawfully; access another person’s account or our infrastructure without authorisation; upload malicious, unlawful or rights‑infringing content; bypass security measures; scrape data without permission; interfere with the service; impersonate another person; or use RROW for fraud.

8. Intellectual property

RROW, its code, design, marks and text belong to the Company or its licensors. While these Terms apply, you receive a limited, revocable, non-exclusive, non-transferable licence for personal financial record-keeping, without rights to resell, redistribute or provide the app as a service to others.

9. Third‑party services

RROW uses Supabase (authentication, database, storage and server functions), Apple (sign-in and notifications), Expo (push delivery), OpenAI (scans and optional reports) and Frankfurter (exchange rates). Third-party availability depends on their services and terms.

10. Availability and changes

We aim to keep RROW secure and available but do not guarantee uninterrupted or error‑free operation. Features may be limited for maintenance, updates, legal requirements or circumstances beyond our reasonable control. We may change, add or discontinue features and will seek to provide advance notice of material changes.

11. Suspension and account deletion

You may stop using RROW and delete your account in Settings. Deletion is irreversible and removes related data as described in the Privacy Policy. We may limit or terminate access for a material breach, security threat, fraud or legal requirement, taking account of the breach and mandatory consumer rights.

12. Disclaimers and liability

To the extent permitted by law, RROW is provided “as is” and “as available”. The Company does not guarantee the absolute accuracy of forecasts, receipt recognition, categories, rates, quotes or calculations. Keep required original documents and backups of important information.

To the maximum extent permitted by law, the Company is not liable for indirect, incidental or consequential loss, lost profits, investment losses or decisions made solely in reliance on RROW. Nothing excludes liability that cannot lawfully be limited or restricts mandatory consumer rights.

13. Governing law and disputes

These Terms are governed by the laws of the Republic of Armenia, without prejudice to mandatory consumer protections in your country of residence. The parties will first attempt to resolve disputes through good‑faith negotiation. If unresolved, disputes are submitted to the competent courts of the Republic of Armenia unless mandatory law gives you another forum.

14. Updates and contact

We may update these Terms to reflect changes to features, law or data practices. A new version and effective date will be published in the app; we will request renewed consent for material changes where required.

Legal notices may be submitted to info@rrow.am, through RROW support or by post to CDM Nexus LLC, 26/3 Vazgen Sargsyan Street, Yerevan, Republic of Armenia. Include your name, a reply contact and the nature of the request, but never send passwords or two‑factor authentication codes.