SpendLens 用户协议 / Terms of Use

Canonical URL: https://apps.striketl.com/spendlens/terms.html

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 用户协议

 更新日期：2026-05-09
 生效日期：2026-05-09

 欢迎使用 SpendLens（对外展示名称可为「SpendLens」，以下简称「本应用」或「我们」）。请您在安装、打开或使用本应用前，仔细阅读并充分理解本《用户协议》（以下简称「本协议」）。当您安装、打开、点击同意或以其他方式实际使用本应用功能时，即视为您已阅读并同意受本协议全部条款约束；如您不同意，请勿安装或使用本应用。

 如您未满 18 周岁，请在监护人陪同下阅读本协议，并在取得监护人明确同意后使用本应用。未满 14 周岁的儿童个人信息保护事宜，亦适用《隐私政策》中的专门说明。

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 一、定义与适用范围
 1. 「用户」或「您」：指下载、安装、打开或使用本应用的自然人。
 2. 「服务」：指我们通过本应用向您提供的全部功能与辅助能力（以实际安装版本为准），包括但不限于核心记录、整理、查看、搜索筛选、状态管理、设置与法律文档展示等。
 3. 本协议适用于您对本应用的一切使用行为。部分能力依赖 Apple iOS、App Store、设备本地存储、系统日期与通知等平台能力；除本协议另有说明外，还应遵守 Apple 相关规则。

 二、产品定位与服务内容
 1. 本应用是一款本地优先的 iPhone 与 iPad 工具，核心目标是帮助您围绕特定主题或工作流手动记录、整理、查看和管理重要信息。具体功能、字段和适用场景以当前版本界面、PRD/CommercialScope 和 App Store 页面说明为准。
 2. 在不违反法律法规及本协议的前提下，当前商业版本向您提供的能力包括但不限于（具体以您设备硬件、系统版本及应用内实际界面为准）：
    1) 仪表盘或首页：查看核心记录、关键状态、重点事项、统计摘要或下一步建议；
    2) 本地记录：添加、查看、编辑或整理当前 App 功能所需的本地记录字段；
    3) 搜索与筛选：按关键词、状态、分类、时间或其他当前版本支持的维度查找记录；
    4) 详情与证明清单：展示核心状态时间线、凭证缺口、下一步建议与本地记录说明；
    5) 设置与法律文档：展示本地优先隐私说明、无账户/无服务器说明、用户协议与隐私政策入口。
 3. 当前版本不提供法律、医疗、财务、税务、保险或其他专业建议。应用内的日期、状态、金额、清单、提示和说明仅用于个人组织管理，不能替代第三方政策、原始资料、监管要求或专业意见。
 4. 当前版本主要依赖用户手动录入与本地示例数据；除应用内明确展示的 VIP 付费墙、月度订阅和永久购买权益外，OCR、邮件导入、云同步、家庭共享、PDF 导出、自动通知等能力默认不属于本商业版本 的承诺范围，除非 PRD/CommercialScope 和当前版本界面明确包含。未来如新增将以当时版本和界面说明为准。
 5. 受系统时间、地区格式、用户输入准确性、设备存储、系统清理、备份设置、iOS 版本差异等因素影响，同一功能在不同环境下的表现可能不同。请以相关第三方、Apple 系统和您保留的原始凭证为最终依据。

 三、账户、联网与版本
 1. 本应用当前不提供也不要求自有云端账号体系；您无需向我们注册用户名、密码、手机号或邮箱即可使用核心本地能力。
 2. 当前商业版本 不依赖我们的服务器或 API 来保存您的本地记录。您的记录默认保存在设备本地；如果您启用 iOS 系统级备份、迁移或其他 Apple 服务，相关处理由 Apple 或系统设置决定。
 3. 当前版本可能包含通过 Apple App Store 提供的应用内购买能力，包括按月自动续费订阅和非消耗型永久购买。商品名称、价格、周期、权益、恢复购买、订阅管理和退款路径以 App Store 商品信息、应用内付费墙及 Apple 规则为准。本应用不提供外部支付入口。
 4. 我们可能不定期发布更新（包括但不限于缺陷修复、体验优化、规则调整、语言扩展、合规更新）。请您通过 App Store 获取更新版本。若您继续使用更新后的版本，视为同意届时有效的协议与规则。

 四、付费规则与订阅说明
 1. 当前版本默认可包含 VIP 付费墙，商品通常包括按月自动续费订阅和非消耗型永久购买。默认商业配置为月度订阅 0.99 美元/月、永久购买 10 美元；最终价格、币种、税费、促销和可用地区以 App Store 实际展示为准。
 2. 免费能力、VIP 能力、权益边界、购买入口、恢复购买入口、订阅状态和取消/失败状态应以应用内付费墙、设置页、App Store 元数据和当前版本界面说明为准。未付费用户仍可使用当前版本明确提供的免费核心预览或基础能力。
 3. 自动续费订阅会按照 Apple 规则在当前计费周期结束前续订，除非您至少提前 24 小时在 Apple ID 账户设置中关闭自动续订。购买确认、订阅管理、退款申请和家庭共享等事宜由 Apple App Store 及 Apple ID 设置提供。
 4. 支付、账单、退款、发票、订阅管理与争议解决原则上适用 Apple 公布的《许可与应用内购买条款》《媒体服务条款》及 App Store 规则。我们不会在本应用中收集或存储您的银行卡号、完整支付凭证等敏感支付信息。

 五、权限与授权
 1. 当前商业版本 的核心功能可以在不授予相机、麦克风、照片、位置、通讯录、蓝牙、广告追踪等敏感系统权限的情况下使用。
 2. 若未来版本加入照片导入、文件导入、本地通知或其他权限能力或其他需要系统授权的能力，我们会在触发相关功能前通过 iOS 系统弹窗或应用内说明解释用途。您可拒绝或在系统设置中撤回授权；拒绝后只会影响对应功能，不应影响不依赖该权限的核心本地记录能力。
 3. 我们不会在您未触发相关功能时后台无故调用敏感权限。任何新增权限都必须与 PRD/CommercialScope、隐私政策、Info.plist 使用说明和 App Store 隐私信息保持一致。

 六、用户行为规范与合规使用
 1. 您承诺对您录入、保存、导出、分享或向他人展示的全部内容拥有合法权利或已获得合法授权，且该等内容不违反法律法规、政策及公序良俗，不侵害任何第三方合法权益（包括但不限于隐私权、著作权、商标权、商业秘密、合同权益等）。
 2. 您不得利用本应用从事下列行为，包括但不限于：
    - 伪造、篡改、传播虚假的记录、证明文件、交易信息、第三方凭证或申诉材料；
    - 制作、保存或传播违法、侵权、欺诈、诽谤、仇恨、暴力、恐怖主义或其他不当内容；
    - 干扰或破坏本应用、系统、设备或相关服务，或未经授权访问系统、数据；
    - 对本应用进行反向工程、反向编译、反向汇编，或以其他方式试图获取源代码、算法或绕过授权控制；
    - 使用自动化方式批量滥用本应用，或利用本应用侵犯他人隐私、财产权益或合同权益。
 3. 您理解，第三方处理、退款、索赔、申诉或类似事项等事项最终取决于相关第三方、平台、法律法规和原始凭证。我们不保证您的任何记录一定会被第三方接受。

 七、数据、隐私与本地存储
 1. 关于个人信息的处理规则，请您完整阅读《隐私政策》。该政策构成本协议不可分割的一部分。
 2. 概括而言：当前版本的本地记录、日期、分类、备注和证明状态默认仅在您的设备本地处理和保存；我们不运营用于集中保存普通用户本地记录的云端账号或服务器。
 3. 您应自行核对录入信息并定期备份重要凭证。因设备丢失、损坏、卸载应用、系统清理、未开启备份、误删、系统升级异常或用户输入错误导致的数据丢失或记录不准确，我们将在法律允许范围内免责。

 八、知识产权
 1. 本应用的程序代码、界面设计、图标、文案、交互流程及相关文档等知识产权归我们或合法权利人所有。除法律强制许可或本协议明示授权外，您不得复制、修改、传播、出售、出租或用于与本应用竞争的商业目的。
 2. 您在使用本应用过程中自行录入、生成或合法持有的内容之知识产权归您或合法权利人所有；您授予我们为在设备端提供本地展示、计算、排序、筛选和保存功能所必需的有限许可。
 3. 若您认为本应用存在侵犯您合法权益的内容，请通过联系方式向我们提交权利通知及证明材料，我们将在核实后依法处理。

 九、免责声明与责任限制
 1. 本应用按「现状」和「可获得性」提供。在法律允许的最大范围内，我们对下列情形不承担责任或仅承担法律强制范围内的责任：
    - 因不可抗力（包括但不限于自然灾害、战争、罢工、政府行为、网络攻击等）、第三方服务（含 Apple 服务）中断或故障导致的服务中断或数据丢失；
    - 因您设备故障、系统版本不兼容、存储空间不足、权限关闭、操作不当、系统时间不准确、越狱或安装非官方版本等特殊环境导致的功能异常、日期错误或数据损失；
    - 因您录入信息不准确、未保留原始资料/证明文件、未遵守相关第三方政策导致的任何第三方处理、退款、索赔或申诉失败；
    - 因您违反本协议或法律法规导致的任何后果；
    - 您通过非官方渠道安装本应用导致的任何安全风险或损失。
 2. 您理解并同意，在任何情况下，我们对您的全部赔偿责任总额（如适用）不应超过您就该争议事项向我们实际支付的金额（如有）；若您未付费，则我们在法律允许范围内适用法定责任上限。
 3. 部分司法辖区不允许排除某些担保或限制某些损害赔偿责任，则在该辖区法律允许的范围内，以强制性法律规定为准。

 十、本协议的变更与终止
 1. 我们可能适时修订本协议。更新后，我们将通过应用内提示、公告、App Store 元数据或其他合理方式通知您；若变更会导致您权利实质减损，我们将尽可能给予显著提示。
 2. 若您不同意修订后的协议，请停止使用本应用；您继续使用的行为视为接受修订后的协议。
 3. 您可随时停止使用并卸载本应用；我们也可能在遵守法律的前提下停止提供全部或部分服务。

 十一、适用法律与争议解决
 1. 本协议之订立、效力、解释、履行及争议解决（除非法律另有强制性规定）适用中华人民共和国大陆地区法律（不含冲突规范）。
 2. 因本协议引起的或与本协议有关的争议，双方应首先友好协商；协商不成的，任何一方均有权向被告住所地有管辖权的人民法院提起诉讼。

 十二、其他
 1. 本协议部分条款被有权机关认定为无效或不可执行的，不影响其余条款效力。
 2. 本协议与《隐私政策》《App Store 规则》等文件共同构成您使用本应用的完整条件；如有冲突，对同类事项以对您权益限制较轻且合法有效的最新公示文本为准，但法律强制性规定除外。
 3. 线上展示渠道：您亦可通过 https://apps.striketl.com/spendlens/terms.html 等页面查阅本协议（如有）。

 十三、联系方式
 如您对本协议或本应用有任何疑问、投诉或建议，请通过应用内入口或发送邮件至：494478415@qq.com

 （正文完）

en

Update Date: 2026-05-09
Effective Date: 2026-05-09

Welcome to SpendLens (which may be marketed as SpendLens; the “App”, “we”, “us”, or “our”). Please read these Terms of Use (the “Agreement”) carefully before installing, opening, or using the App. By installing, opening, tapping agree, or otherwise using any App feature, you acknowledge that you have read and accepted this Agreement. If you do not agree, please do not install or use the App.

If you are under 18 years old, please read this Agreement with a parent or legal guardian and use the App only after obtaining their explicit consent. Protections for children under 14 are also described in our Privacy Policy.

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I. Definitions and Scope
1. “User” or “you” means any natural person who downloads, installs, opens, or uses the App.
2. “Services” means all features and auxiliary capabilities we provide through the App as installed on your device, including core records, organization, viewing, search and filters, status management, settings, and legal-document display.
3. This Agreement governs all use of the App. Some capabilities rely on Apple iOS, App Store, device local storage, system dates, notifications, and other platform capabilities; Apple’s rules also apply where relevant.

II. Product Positioning and Service Content
1. The App is a local-first iPhone and iPad tool. Its purpose is to help you manually record, organize, view, and manage important information around the specific workflow defined by the current version. Exact features, fields, and use cases are governed by the current UI, PRD/CommercialScope, and App Store description.
2. Subject to applicable laws and this Agreement, the current commercial release provides capabilities including:
1) Dashboard or home screen: core records, key status, highlighted items, summary metrics, or next-step suggestions;
2) Record management: add, view, edit, or organize local record fields required by the current App;
3) Search and filters: find records by keyword, status, category, date, or other dimensions supported by the current version;
4) Details and checklists: record details, status explanations, actionable suggestions, and local-processing notes;
5) Settings and legal documents: local-first privacy posture, no-account/no-server notices, Terms of Use, and Privacy Policy.
3. The current version does not provide legal, medical, financial, tax, insurance, or other professional advice. Dates, statuses, amounts, checklists, and reminders shown in the App are for personal organization only and do not replace third-party policies, original materials, regulatory requirements, or professional advice.
4. The current version mainly relies on manual entry and local sample data. Except for the VIP paywall, monthly subscription, and lifetime purchase benefits explicitly shown in the App, OCR, email import, cloud sync, family sharing, PDF export, automatic notifications, and similar advanced capabilities are not part of this commercial release commitment unless the PRD/CommercialScope and current UI explicitly include them. If added later, they will be governed by the then-current version and on-screen disclosures.
5. Functionality may vary depending on system time, region format, user input accuracy, device storage, OS cleanup, backup settings, and iOS version. Third-party terms, Apple platform behavior, and your original materials remain the final source of truth.

III. Accounts, Connectivity, and Versions
1. The current App does not provide or require a proprietary cloud account. You do not need to register a username, password, phone number, or email address with us to use core local features.
2. The current commercial release does not rely on our server or API to store your local records. Records are stored locally by default; if you enable iOS backups, migration, or other Apple services, Apple and your system settings govern that processing.
3. The current version may include Apple App Store in-app purchases, including an auto-renewable monthly subscription and a non-consumable lifetime purchase. Product names, prices, periods, benefits, restore purchase behavior, subscription management, and refund paths are governed by App Store product information, the in-app paywall, and Apple rules. The App does not provide an external payment link.
4. We may release updates, including bug fixes, improvements, rule changes, language expansion, and compliance changes. Please obtain updates through the App Store. Continued use after an update constitutes acceptance of the then-effective Agreement and rules.

IV. Payment Rules and Subscription Notice
1. The current version may include a VIP paywall. Products usually include an auto-renewable monthly subscription and a non-consumable lifetime purchase. The default commercial configuration is USD $0.99/month and USD $10 for lifetime unlock; final prices, currencies, taxes, promotions, and availability are determined by the App Store storefront.
2. Free capabilities, VIP capabilities, benefit boundaries, purchase entry points, restore purchase entry points, subscription status, and cancel/failure states should match the in-app paywall, Settings page, App Store metadata, and the current UI. Users who have not paid may continue to use the free preview or basic capabilities explicitly provided by the current version.
3. Auto-renewable subscriptions renew under Apple rules unless you turn off auto-renew at least 24 hours before the current billing period ends in your Apple ID account settings. Purchase confirmation, subscription management, refund requests, and family sharing are provided through the Apple App Store and Apple ID settings.
4. Payment, billing, refunds, invoices, subscription management, and disputes are primarily governed by Apple’s Licensed Application End User License Agreement, Media Services Terms, and App Store rules. We do not collect or store full card numbers or complete payment credentials inside the App.

V. Permissions and Authorization
1. The current commercial release's core features can be used without granting sensitive system permissions such as Camera, Microphone, Photos, Location, Contacts, Bluetooth, or tracking permission.
2. If future versions add photo import, file import, local notifications, or other permission-based features, or other permission-based features, we will explain the purpose before requesting iOS authorization. You may refuse or revoke authorization in system settings; refusal affects only the related feature and should not affect core local record capabilities that do not require that permission.
3. We do not silently invoke sensitive permissions in the background without a user-triggered feature path. Any new permission must stay consistent with the PRD/CommercialScope, Privacy Policy, Info.plist purpose strings, and App Store privacy disclosures.

VI. User Conduct and Lawful Use
1. You represent that you have lawful rights or authorization for all information you enter, store, export, share, or show to others, and that such information complies with laws and does not infringe third-party rights, including privacy rights, copyrights, trademarks, trade secrets, or contractual rights.
2. You shall not use the App to:
- Forge, alter, or distribute false records, proof files, transaction information, third-party evidence, or claim materials;
- Create, store, or disseminate illegal, infringing, fraudulent, defamatory, hateful, violent, terroristic, or otherwise improper content;
- Interfere with or disrupt the App, system, device, or related services, or access systems/data without authorization;
- Reverse engineer, decompile, disassemble, or otherwise attempt to extract source code or bypass licensing controls;
- Abuse the App through automation or use it to infringe another person’s privacy, property rights, or contractual rights.
3. Third-party processing, refunds, disputes, claims, or similar outcomes ultimately depend on relevant third parties, platforms, laws, and original materials. We do not guarantee that any record you create will be accepted by a third party.

VII. Data, Privacy, and Local Storage
1. Please read the Privacy Policy in full; it is incorporated into this Agreement by reference.
2. In summary: local records, dates, categories, notes, checklist states, and status values are processed and stored locally on your device by default in the current version. We do not operate a cloud account or server for ordinary users’ local records.
3. You are responsible for verifying entered information and backing up important proof. To the extent permitted by law, we are not liable for data loss or inaccurate records caused by device loss, damage, uninstallation, OS cleanup, disabled backup, accidental deletion, OS upgrade issues, or user input errors.

VIII. Intellectual Property
1. The App’s code, UI, icons, copy, interactions, and documentation are owned by us or licensors. Except as required by law or expressly granted here, you may not copy, modify, distribute, sell, rent, or use them for competing commercial purposes.
2. Content you enter, generate, or lawfully own remains yours or your licensors’. You grant us the limited license necessary to provide local display, calculation, sorting, filtering, and storage on device.
3. If you believe the App infringes your rights, contact us with a notice and supporting evidence; we will handle it in accordance with applicable law.

IX. Disclaimer and Limitation of Liability
1. THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM LIABILITY FOR:
- Service interruption or data loss due to force majeure, third-party failures, or Apple service issues;
- Malfunctions, date errors, or data loss caused by device issues, OS incompatibility, low storage, revoked permissions, misuse, incorrect system time, jailbreaking, or unofficial builds;
- Failed third-party processing, refunds, disputes, claims, or similar matters caused by inaccurate user input, missing original materials/proof, or failure to comply with relevant third-party policies;
- Consequences arising from your breach of this Agreement or laws;
- Risks from unofficial installation channels.
2. TO THE EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE APP SHALL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID TO US FOR THE DISPUTED MATTER, IF ANY. IF YOU PAID NOTHING, APPLICABLE STATUTORY LIMITS MAY APPLY.
3. Some jurisdictions do not allow certain disclaimers or liability caps; in those jurisdictions, such limits apply only to the extent allowed by law.

X. Changes and Termination
1. We may revise this Agreement and notify you via in-app prompts, announcements, App Store metadata, or other reasonable means. If changes materially impair your rights, we will strive to provide prominent notice.
2. If you disagree with updates, stop using the App; continued use constitutes acceptance.
3. You may stop using and uninstall the App at any time; we may also discontinue all or part of the Services as permitted by law.

XI. Governing Law and Dispute Resolution
1. Formation, validity, interpretation, performance, and dispute resolution of this Agreement shall be governed by the laws of the mainland region of the People’s Republic of China, excluding conflict-of-law rules, unless mandatory law provides otherwise.
2. Disputes shall first be resolved through friendly negotiation; if negotiation fails, either party may submit the dispute to a competent court at the defendant’s domicile.

XII. Miscellaneous
1. If any provision is held invalid, the remaining provisions remain effective.
2. This Agreement, the Privacy Policy, and App Store rules together govern your use. If conflicts arise, the latest published text that is lawful and less restrictive on your rights generally prevails for the same subject matter, except where mandatory law applies.
3. You may also read this Agreement online at https://apps.striketl.com/spendlens/terms.html.

XIII. Contact
Questions, complaints, or suggestions about this Agreement or the App: contact us via in-app entry points or email 494478415@qq.com

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