Winnni Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions (“Terms”) govern your access to and use of Winnni, the mobile application operated by Tradexploits (“we,” “us,” or “our”). By creating an account or using the App, you agree to be bound by these Terms and by our Privacy Policy, published separately, which is incorporated by reference. If you do not agree, do not use the App.

2. Description of the Service

Winnni is a smart expense tracking mobile application that helps you record expenses, plan and monitor budgets, view spending analytics, scan receipts for automatic category suggestions, and export reports. The following features are currently available in the App:

• Account registration and secure sign-in.
• Manual expense recording, editing, and deletion.
• Budget planning and monitoring, with alerts from 80% to100% of a set limit.
• A financial dashboard and spending analytics.
• Smart receipt scanning with automatic, AI-assisted category suggestions, which you review and confirm before anything is saved.
• Push and local notifications for budget alerts and reminders.
• Transaction history with search and filtering.
• Report export in PDF and Excel formats.
• Profile management and currency selection; Nigerian Naira is available at no cost; Winnni Premium unlocks additional currencies.
• Winnni Premium, a paid subscription tier ($1.99/month or $20.99/year, or the local-currency equivalent) that unlocks unlimited expenses, unlimited AI-assisted receipt scans, custom categories, all supported currencies, and every report period. Premium payments are processed by Paystack see Section 9.
• Full account deletion.

Winnni does not currently offer income tracking, savings goals, predictive spending analysis, a standalone AI recommendation engine, or bank-account connectivity. These may be introduced in future updates, at which point these Terms will be updated to describe them and, where they involve new categories of data, the Privacy Policy will be updated accordingly.

3. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, and have the legal capacity to enter into a binding contract, to create an account or use the App. By using Winnni, you represent that you meet this requirement. See our Privacy Policy, Section 12, for how this is currently verified and for a note on planned improvements.

4. Not Financial, Investment, Tax, or Legal Advice

Winnni is a tool to help you organise and understand your own spending. It is not a bank, is not a licensed financial adviser, and does not provide financial, investment, tax, accounting, or legal advice. Budget alerts, spending analytics, and automatic category suggestions are informational and organisational aids only, and every suggestion requires and receives your review before it is saved. Nothing in the App should be relied upon as a substitute for advice from a qualified, licensed professional. You are solely responsible for your own financial decisions.

5. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate registration information and to notify us promptly at the contact in Section 19 if you suspect unauthorised access to your account. Each account is intended for use by one individual.

6. Your Content and Data

You retain ownership of the financial data and content you enter into the App (“Your Content”). By using the App, you grant us a limited licence to process Your Content solely to provide the Service to you, as described in our Privacy Policy. You are responsible for the accuracy of Your Content, including any automatically-suggested category you choose to confirm.

7. Smart Categorisation and AI-Assisted Suggestions

Winnni’s receipt-scanning and categorisation feature uses a hosted AI model and is provided on an “as is” basis. Automatically-generated suggestions may occasionally be inaccurate, and you are responsible for reviewing and correcting any suggestion before confirming it. We are not liable for consequences arising from a suggestion that you reviewed and confirmed, or for inaccuracies you did not correct.

8. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose, including misrepresenting financial records for fraud.
• Attempt to reverse-engineer, decompile, or circumvent any security or access-control feature of the App, including the AI categorisation endpoint or the Premium payment flow.
• Interfere with, overload, or attempt unauthorised access to our systems or another user’s account.
• Use automated means to scrape, extract, or misuse data from the App.
• Impersonate another person or misrepresent your affiliation with any person or entity.
• Attempt to obtain Premium features without valid payment, including by tampering with subscription-status data stored on your device.

We may suspend or terminate accounts that violate this section.

9. Fees and Winnni Premium

Winnni’s core features, including tracking in Nigerian Naira, manual expense recording, budgeting, and the Daily report are free of charge, subject to the usage limits described in the App.

Winnni Premium is a paid subscription, currently priced at $1.99/month or $20.99/year (or the equivalent in your local currency, converted at the prevailing exchange rate at the time of payment), that unlocks unlimited expenses, unlimited AI-assisted receipt scans, custom categories, all supported display currencies, and every report period.

• Payment processing: all Premium payments are processed by Paystack, a licensed third-party payment service provider. Winnni does not directly collect, process, or store your card number, bank account details, or other payment credentials — only your name and email address are shared with Paystack to identify and process your subscription. See our Privacy Policy, Section 4.5 and Section 8, for detail.
• Cancellation: you can cancel your Premium subscription at any time via Settings > Premium > Cancel Premium. Cancellation stops future billing; you retain Premium access until the end of the billing period you already paid for.
• Refunds – general rule: Payments for a successfully completed Winnni Premium transactions are final and non-refundable, including monthly and annual subscriptions, and including any unused portion of a billing period if you cancel partway through it or your access is terminated for a violation of these Terms under Section 8. This covers, for example, simply changing your mind, deciding you no longer need Premium, or not using the features you paid for.
• Refunds – where the fault is ours: You are entitled to a refund (or, at our discretion, an equivalent service credit or subscription-period extension) where you were charged but did not receive what you paid for because of an issue on our side, for example: a payment that succeeded with Paystack but failed to unlock Premium in your account due to a technical or sync fault in the App; a duplicate charge for the same billing period; a charge processed after you had already successfully cancelled; or extended, App-side service downtime that materially prevented you from using Premium features during a billing period. To request this, contact us within 30 days of the charge at the details in Section 19 with your payment reference; we will investigate and resolve confirmed cases within 10 business days.
• What this does not cover: issues outside our reasonable control, such as your own device, internet connection, or account-credential problems; Paystack-side payment issues not caused by our App (raise these with Paystack or your card issuer directly); or general dissatisfaction with app features that are working as described.
• This policy does not affect any statutory right you may have under mandatory consumer-protection law in your jurisdiction that cannot be excluded by agreement, where such a right applies, we will honour it.
• Price changes: we may change Premium pricing with reasonable prior notice. Continued use of Premium after a price change takes effect at your next renewal constitutes acceptance of the new price.

No payment information beyond your name and email is collected or retained by Winnni itself for this purpose.

10. Intellectual Property

The App, including its design, branding, source code, and all related intellectual property (excluding Your Content), is owned by Tradexploits and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the App for your personal, non-commercial use, subject to these Terms.

11. Third-Party Services

The App relies on third-party service providers, including Supabase, Google Firebase, and Paystack (described in our Privacy Policy, Section 8). Your use of the App is also subject to those providers’ own terms of service, to the extent they apply. We are not responsible for outages, errors, or data-handling practices of third-party providers beyond our reasonable control, though we select providers that offer contractual protections consistent with this document.

12. Termination

You may stop using the App and delete your account at any time through Settings > Delete account. We may suspend or terminate your access to the App if you violate these Terms, engage in unlawful conduct, or where required by law. On termination, our Privacy Policy, Section 10 (Data Retention) governs what happens to your data, and any active Premium subscription is handled as described in Section 9 above.

13. Disclaimer of Warranties

The App is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement, except to the extent such warranties cannot be excluded under applicable law.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Tradexploits shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or financial loss, arising from your use of, or inability to use, the App, including any Premium payment processed through Paystack. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law, including mandatory consumer-protection provisions of Nigerian law, EU/UK law, or other law that applies to you notwithstanding the governing-law clause in Section 16.

15. Indemnification

You agree to indemnify and hold Tradexploits harmless from any claim, loss, or expense (including reasonable legal fees) arising from your violation of these Terms or your misuse of the App.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law principles, except where mandatory local consumer-protection or data-protection law of your country of residence (as described in our Privacy Policy, Section 15) requires otherwise, in which case that local mandatory law applies to the extent it conflicts with this clause. Any dispute arising from these Terms shall first be attempted to be resolved informally by contacting us at the details in Section 19.

[Confirm preferred dispute-resolution mechanism with counsel — e.g., courts of Nigeria, or arbitration under a named institution/rules]

17. Changes to the Service and These Terms

We may update the App and these Terms from time to time, including to reflect new features described in Section 2 or changes to Premium pricing described in Section 9. We will provide notice of material changes in-app, and continued use of the App after a change takes effect constitutes your acceptance of the revised Terms, to the extent permitted by applicable law.

18. General Provisions

• Severability: if any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.
• Entire agreement: these Terms, together with our separately published Privacy Policy, constitute the entire agreement between you and Tradexploits regarding the App.
• No waiver: our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment: you may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure: we are not liable for delay or failure to perform caused by circumstances beyond our reasonable control.

19. Contact Us

For any question about these Terms: support_winnni@tradexploits.com  +234 9062660949 or  +2347038105096