Terms of Use
Last updated: 8 November 2026
These terms apply to the Chi Li app ("the app"), developed by Tran Tien Quang ("we", "us"). By downloading or using the app you agree to them. Please also read our Privacy Policy.
1. About Chi Li
Chi Li helps you record and understand your spending: scanning receipts, reading VietQR codes, importing bank statements, voice entry, budgets, debts, goals and events, with optional AI features. Chi Li is not a bank, payment service, accountant or financial adviser, and it does not move money.
2. Licence
We give you a personal, non-exclusive, non-transferable, revocable licence to use the app on Apple devices you own or control, for personal, non-commercial use. You may not copy, modify, reverse-engineer, resell or distribute the app, except as the law allows.
3. Free features and Chi Li Premium
- The free version includes 10 receipt scans per month. VietQR, statement import and adding by hand are always free.
- Chi Li Premium is an auto-renewing subscription, monthly or yearly. It adds unlimited receipt scans and AI features (with a fair-use monthly limit on AI requests, shown in the app).
- Billing: payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically at the same price and period unless you turn off auto-renew at least 24 hours before the current period ends.
- Cancelling: manage or cancel in iPhone Settings → [your name] → Subscriptions. Cancelling stops the next renewal; you keep Premium until the end of the period you paid for.
- Refunds are handled by Apple under its policies. We cannot issue refunds directly.
- Price changes: Apple will notify you and ask for your consent where required.
4. AI features and accuracy
AI and automatic reading (of receipts, QR codes, statements and speech) can be incomplete or wrong, for example the merchant, amount, date, currency or category. Always review entries before saving them. AI answers are for information only. AI features are optional and only work after you agree to send the data described in the Privacy Policy.
5. Not financial or tax advice
Chi Li does not give financial, investment, accounting, legal or tax advice. Figures, forecasts, alerts and AI answers are estimates and should not be your only basis for financial decisions. Keep your own official records, such as bank statements and invoices.
6. Your responsibilities
Use the app lawfully and for personal purposes. Keep your phone secure. Do not try to disrupt the app or our services, get around the subscription or usage limits, or access them without permission.
7. Your data and our content
Your records belong to you. They are stored on your phone and, if you choose, in your iCloud; you are responsible for keeping backups. We own the app, including its design, code, name and logo. Service and brand names and logos shown in the app (for example, for recurring payments or banks) belong to their owners and are used only to identify those services; this does not mean they endorse Chi Li.
8. Third-party services and Apple
The app relies on services from Apple, Anthropic and Cloudflare, and on public exchange-rate providers, as described in the Privacy Policy. Exchange rates are public daily rates and may differ from your bank's. Apple's Licensed Application End User License Agreement also applies. These terms are between you and us, not Apple; Apple is not responsible for the app or its support, and Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them.
9. No warranty
The app is provided "as is" and "as available", without warranties of any kind, including that it will be error-free, uninterrupted, or that calculations, conversions or AI results will be accurate.
10. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential damages, or for loss of data, money or profits, arising from your use of the app. Nothing in these terms limits rights you have under consumer-protection laws that cannot be excluded.
11. Changes and ending
We may update the app and these terms. For important changes we will update the date above and tell you in the app; continuing to use the app means you accept them. You can stop using the app at any time by deleting it. We may suspend access to Premium services if you break these terms.
12. Governing law
These terms are governed by the laws of Vietnam, without affecting mandatory consumer-protection laws of the country where you live.
13. Contact
Tran Tien Quang — kalen1o@outlook.com