Needs vs Wants Back to the site

Terms of Service & Refund Policy

Last updated: August 21, 2026 · Applies to the Needs vs Wants Android app and this website.

1. Agreement

Needs vs Wants is a spending-diary app by ACEU AI Solutions ("we", "us"). By downloading, installing, or using the app, or by purchasing a paid tier, you agree to these terms. If you do not agree, do not use the app.

2. The product

The app is distributed as a direct Android APK download from this site and, where published, through Google Play. It is not on the Apple App Store. The free tier works without any account. Your live diary is stored only on your device: you are responsible for your own data, including choosing and maintaining an optional backup folder before uninstalling or switching phones. We cannot recover your on-device diary or access your backup files.

3. Accounts

Paid tiers (Pro, Max) require signing in with Google or a one-time code sent to your email so your membership can be verified and restored. You are responsible for keeping access to that Google account or email address; membership is attached to the resulting account. Our Privacy Policy describes exactly what account data we hold.

4. Paid tiers and billing

Pro and Max are optional paid upgrades, purchased inside the app at the prices shown at checkout. The payment route depends on the build:

  • Google Play: auto-renewing subscriptions billed by Google. Payment is charged to your Google Play account at confirmation of purchase. Subscriptions renew unless you cancel at least 24 hours before the period ends. Manage and cancel in Google Play subscription settings. Google's terms govern Play checkout.
  • PayMongo (GCash, cards): one-time, manual-renew passes for a fixed period (monthly or annual) on the direct APK. They do not auto-renew: when a pass lapses, you choose whether to buy another. No recurring charge is ever taken by us through PayMongo.
  • PayPal: auto-renewing subscriptions (monthly or annual) on the direct APK, some with a free trial. A trial converts to a paid subscription unless cancelled before the trial ends. You can cancel the subscription at any time in your PayPal account; access continues to the end of the period already paid, and no further renewals are charged.

We never see or store your card or wallet details. Prices may change for future purchases; a change never shortens a period you already paid for.

5. Refund policy

7-day accidental-purchase window

If you bought a tier by mistake, or a purchase did not deliver what it promised, email us within 7 days of the charge and we will refund it in full to the original payment method. This covers:

  • PayMongo one-time passes (monthly or annual), and
  • the most recent charge of a PayPal subscription, including the first charge after a trial.

Purchases made through Google Play are billed and refunded under Google Play's own terms. Request a Play refund in the Play Store (account > payments), or email us and we will help you through Google's process. Cancelling a Play subscription in Google Play settings stops future renewals; it does not automatically refund the current period.

How to request one

  1. Email aceuaisolutions@gmail.com within 7 days of the charge.
  2. Include the account email you signed in with and the provider receipt (PayMongo or PayPal) or its reference number.
  3. We confirm the purchase on our side, revoke the tier, and issue the refund through the provider. Providers typically post refunds within 5 to 10 business days.

Outside the window

After 7 days, charges are generally non-refundable, but cancelling a PayPal or Google Play subscription always stops future renewals, and a lapsed PayMongo pass simply never renews itself. If something is broken on our side, contact us anyway: we would rather fix it or make it right than keep money for a product that failed you.

Refunds may be declined where we find abuse of the policy (for example, repeated purchase-refund cycles used to hold a paid tier for free).

6. Fair use

You may not resell, redistribute, or tamper with the app or its signed APK, misrepresent modified copies as official, use the service to break the law, or attempt to gain paid entitlements without payment. We may refuse service or revoke entitlements obtained through fraud (with refund where money was actually paid and the window applies).

7. Not financial advice

The app, including the Max tier's Cited Spending Advisor coach, is an educational tool: a rule-based coach that works from your own diary and cites bundled economic study material. It is not professional financial, investment, tax, or legal advice, and decisions you make with your money remain yours.

8. Disclaimer and liability

The app and this site are provided "as is" without warranties of any kind, express or implied, to the extent permitted by law. We are not liable for indirect or consequential damages, or for loss of on-device data you did not back up. Where liability cannot be excluded, it is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms removes rights you hold under Philippine consumer-protection law that cannot be waived.

9. Changes and termination

We may update the app, these terms, or discontinue features. Material changes to these terms will be posted here with a new "Last updated" date. If we ever discontinue paid features entirely mid-period, affected users will be offered a pro-rated remedy.

10. Governing law

These terms are governed by the laws of the Republic of the Philippines. Disputes go to the competent courts of Manila, Philippines, unless mandatory law says otherwise.

11. Account deletion

Wipe the on-device diary in Settings at any time. To delete the account email, Google ID, and entitlement record we hold, email aceuaisolutions@gmail.com from the address on the account. See the Privacy Policy for what we erase.

12. Contact

Questions, billing issues, and refund requests: aceuaisolutions@gmail.com
Needs vs Wants · ACEU AI Solutions · Manila, Philippines