Terms of Service

Costree is a shared expense tracking, budgeting, and shopping list service operated by X CODE ONE SDN. BHD. ("X CODE ONE", "we", "us"), a company incorporated in Malaysia. It is available as a mobile app for iOS and Android and at costree.app (together, the "Services").

By creating an account, signing in, or using the Services, you agree to these Terms of Service and to our Privacy Policy, which forms part of them. If you do not agree, please do not use the Services.

You need an account to use Costree, and you may use the Services only if you can form a binding agreement with us under the law that applies to you. If you are a minor, you may use Costree only with the consent and supervision of a parent or legal guardian, who accepts these Terms on your behalf.

• Keep your sign-in details to yourself. You are responsible for what happens under your account, including entries added by anyone you give access to your device.
• Tell us at hello@xcodeone.com if you think your account has been used without your permission.

Costree is built to be shared. A group (for example a household, a trip, or a team) has an Owner and may have Members. The Owner invites and removes members and is the only person who can change the group's plan.

• Everything recorded in a group is visible to every member of that group — amounts, vendors, notes, and receipt photos. Only invite people you are willing to share this with.
• If you leave a group or are removed from it, you lose access to its records. Records you created stay with the group.

The expenses, income, notes, receipt images, and lists you put into Costree are yours. You grant us only the permission we need to run the Services for you — to store, process, back up, and show your content to you and to the members of the groups you share it with. You are responsible for having the right to upload what you upload.

Costree itself — the apps, the website, the software behind them, and the Costree name and logo — stays ours. We give you a personal, limited, revocable right to use the Services while you follow these Terms.

You agree not to:

• Break the law, infringe anyone's rights, or upload content you have no right to use.
• Access another user's account, group, or data, or probe, scan, or bypass our security.
• Interfere with the Services — overloading them, scraping them in bulk, or automating requests beyond normal personal use.
• Reverse engineer, resell, or sublicense the Services, or upload malware, or use Costree to harass, defraud, or impersonate anyone.

Costree has a free plan with usage limits, and a paid plan that removes them. The limits for each plan are shown inside the app and on our pricing page, which is the authoritative source — they may change as the Services develop.

• Where paid plans are bought. Subscriptions are currently offered through the checkout on costree.app and are processed by Stripe, Inc.; we never receive or store your full card details. Purchase options may vary by platform, country, and applicable law. If subscriptions are offered through a third-party app store in the future, that store's own billing, cancellation, and refund terms may also apply.
• What you pay. The price, currency, and billing interval shown to you at checkout are the ones that apply. Prices exclude taxes unless stated otherwise; any tax we must collect is added at checkout.
• Automatic renewal. A paid plan renews automatically at the end of each billing period, at the then-current price, until it is cancelled. We will tell you in advance if the price of your plan changes.
• Who the plan covers. A paid plan applies to the groups owned by the subscriber. Members of a group benefit from the Owner's plan while they remain in it.
• Failed payments. If a payment fails, we may retry it and may limit paid features until it succeeds.

• You can cancel at any time from the billing portal on costree.app. Cancellation takes effect at the end of the billing period you have already paid for — you keep paid features until then, and you are not charged again.
• Payments already made are not refunded for the unused part of a billing period, except where the law requires a refund or where we agree to one.
• After a paid plan ends, your data is not deleted — your groups return to the free plan's limits, and you may no longer be able to add new records beyond them.

Nothing in this section limits any statutory right to withdraw from, cancel, or obtain a refund for a subscription where that right cannot lawfully be excluded — for example a cooling-off right under the consumer law of your country. If you think you have been charged in error, write to hello@xcodeone.com.

Costree shows you your own numbers and coaches you with general, automated messages about your budget. It is a record-keeping and self-management tool.

It is not financial, tax, accounting, investment, or legal advice, and it is not a substitute for a professional. Currency conversion figures, totals, statistics, and coaching messages are provided for convenience and may be approximate, delayed, or wrong. Do not rely on them for tax filings, loan applications, or any other decision with legal or financial consequences without checking the underlying figures yourself.

We are actively building Costree, so we may add, change, or remove features, plans, and limits. If a change materially reduces what your paid plan provides, we will give you notice and you may cancel. The Services also rely on third parties — payment processing, push notifications, email delivery, cloud hosting, and exchange rate data — who operate under their own terms and whose availability is outside our control.

The Services are provided "as is" and "as available", without warranties of any kind, to the fullest extent permitted by law. We do not warrant that they will be uninterrupted, error-free, or that any figure they display is accurate. Keep your own copies of anything you cannot afford to lose.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded — including liability for fraud, for death or personal injury caused by our negligence, and any rights you have under consumer protection law that cannot be waived. Subject to that, and to the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages, nor for lost profits, lost data, or losses arising from financial decisions you make using the Services, and our total liability to you is limited to the greater of what you paid us in the twelve months before the claim, or USD 50.

• You may stop using Costree at any time, and you may delete your account from within the app.
• Deleting your account also stops your paid plan from renewing. We schedule any plan you hold to end at the close of the current billing period, and you will not be charged again. If we cannot confirm this with our payment provider, the deletion does not go through and the app tells you, so you can try again or write to hello@xcodeone.com.
• If you hold the plan for a shared group, the group's members lose paid features when that billing period ends.
• Once your account is deleted you can no longer sign in, the details that identify you are irreversibly removed, and the account cannot be recovered.
• We may suspend or terminate your access if you breach these Terms, if your use puts the Services or other users at risk, or if we are required to by law. Where it is reasonable to do so, we will tell you first.

We may update these Terms as the Services change. When we do, we will update the effective date at the top of this page and, for material changes, give notice through the app or by email before the change takes effect. Continuing to use the Services after that date means you accept the updated Terms. If any part of these Terms turns out to be unenforceable, the rest stays in force.

These Terms are governed by the laws of Malaysia, excluding its conflict-of-laws rules. If you are a consumer, this does not deprive you of the mandatory protections available to you under the law of your country of habitual residence.

Costree is operated by X CODE ONE SDN. BHD., a private company limited by shares incorporated in Malaysia on 2 October 2024, company registration number 202401041215 (1587061-U), registered office at No 18-3, Jalan PJU 8/5C, Damansara Perdana, 47820 Petaling Jaya, Selangor, Malaysia; business address D-1-09, Plaza Arkadia, No. 3, Jalan Intisari Perdana, Desa ParkCity, 52200 Kuala Lumpur, Malaysia.

Questions? Write to hello@xcodeone.com, call +60 3-7726 6560, or use our contact page.