Terms of Use

Effective 10 November 2026 · Version 1.0

1. Agreement

These Terms of Use (“Terms”) are a legal agreement between you and Zihao Liu, an independent developer (“Qsum”, “we”, “us”), for the Qsum iOS app and related services (the “Service”). By downloading or using Qsum, you agree to these Terms. If you do not agree, do not use the Service.

Apple’s Standard End User License Agreement and the Apple Media Services Terms and Conditions also apply to your use of the app and to purchases made through the App Store. If there is a conflict about an App Store purchase, Apple’s terms control.

2. License

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use Qsum on Apple-branded devices that you own or control, as permitted by the App Store Usage Rules. You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or attempt to extract the source code of the app, except to the extent permitted by law.

3. Qsum Member subscription

• Qsum Member Monthly — auto-renewing subscription, 1 month. Price in the United States: US$1.99 per month. Price in mainland China: ¥8 per month.
• Qsum Member Yearly — auto-renewing subscription, 1 year. Price in the United States: US$9.99 per year. Price in mainland China: ¥48 per year.
• Other storefronts use Apple’s local price for the equivalent tier. The price shown in the App Store at the time of purchase is the price that applies to you.
• Payment is charged to your Apple ID account at confirmation of purchase.
• The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the current period ends.
• You can manage or cancel the subscription in your App Store account settings after purchase. Deleting the app or your Qsum account does not cancel the subscription.
• If a price changes, Apple will charge the new price only after the notice and consent required by Apple’s rules and applicable law.
• Refunds are handled by Apple under its policies and applicable law. We cannot issue App Store refunds ourselves.
• Membership benefits apply while the subscription is active. If it lapses, you return to the free tier; credits already in your balance are not removed.

4. AI credits

• AI bookkeeping consumes credits based on actual usage: cloud speech recognition is charged by audio duration, and text parsing is charged by the underlying model cost. Manual entry with the keypad does not consume credits.
• The free tier receives 800 credits per calendar month (UTC). An active Qsum Member receives 10,000 credits per calendar month (UTC). Grants are made lazily on first use in a month; upgrading mid-month adds the difference.
• Credits roll over and do not expire. They have no cash value, cannot be transferred, sold, or redeemed for cash, and are not refundable.
• If your balance is insufficient, AI requests are blocked until more credits are available; manual entry continues to work.
• We may adjust credit grants, pricing of credits, or the usage rates with reasonable notice. Changes do not retroactively reduce credits already granted.
• We may suspend credits obtained through abuse, fraud, or automated attacks.

5. Acceptable use

You agree not to: (a) use the Service unlawfully or to process content you do not have the right to process; (b) attempt to bypass rate limits, credit balances, authentication, or security measures; (c) interfere with or overload the Service; (d) use the Service to build a competing dataset or to train models; or (e) reverse engineer the Service except as permitted by law.

6. AI output is not professional advice

AI features may produce inaccurate, incomplete, or unexpected results. Qsum helps you record and understand your own spending; it is not accounting, tax, investment, or legal advice. Review AI-generated entries before relying on them, and keep independent backups of information that matters to you. Statistics and answers are calculated from the data on your device and may be affected by missing or incorrectly categorized entries.

7. Privacy

Our Privacy Policy explains what data we process and why. It is part of these Terms.

8. Availability and changes

We may modify, suspend, or discontinue features, including AI models and providers, to maintain security, comply with law, or improve the Service. We aim to give reasonable notice of material changes that affect paid members. We do not guarantee uninterrupted or error-free operation; network, Apple, and third-party AI providers may occasionally be unavailable.

9. Termination

You may stop using Qsum at any time and delete your account in the app. We may suspend or terminate access if you materially breach these Terms or use the Service in a way that harms other users or the Service. Sections that by their nature should survive termination (including payment obligations already incurred, disclaimers, and limitations of liability) will survive.

10. Disclaimers and limitation of liability

To the maximum extent permitted by law, the Service is provided “as is” and “as available”, without warranties of merchantability, fitness for a particular purpose, or non-infringement. To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost data, lost profits, or business interruption. Our total liability for all claims relating to the Service in any 12-month period will not exceed the greater of the amount you paid us for the Service in that period or US$10.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including your mandatory consumer rights in your country of residence.

11. Apple

These Terms are between you and us, not Apple. Apple has no obligation to provide maintenance or support for the app. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government list of prohibited or restricted parties.

12. Governing law

These Terms are governed by the laws of the People’s Republic of China, without regard to conflict-of-law rules. This choice does not deprive you of mandatory protections under the law of your country of residence. Disputes may be brought before a competent court in the place where we are established or where you reside, as required by applicable law.

13. Changes to these Terms

We may update these Terms from time to time. The new version will be posted here with a new effective date. If a change materially affects your rights, we will provide notice in the app or by email where appropriate. Continued use after the effective date means you accept the updated Terms.

14. Contact

Questions about these Terms: zihao.liu.qs@icloud.com.

使用条款

生效日期：2026 年 11 月 10 日 · 版本 1.0

1. 协议

本使用条款（下称“条款”）是你与独立开发者刘子豪（下称“Qsum”或“我们”）之间关于 Qsum iOS App 及相关服务（下称“服务”）的法律协议。下载或使用 Qsum 即表示你同意本条款；如不同意，请勿使用。

Apple 的标准最终用户许可协议（Standard EULA）以及 Apple 媒体服务条款与条件同样适用于你对本 App 的使用及通过 App Store 进行的购买。如就 App Store 购买产生冲突，以 Apple 的条款为准。

2. 许可

我们授予你一项个人、有限、非排他、不可转让、可撤销的许可，允许你在自己拥有或控制的 Apple 品牌设备上，按 App Store 使用规则使用 Qsum。除法律允许的情形外，你不得复制、修改、分发、出售、出租、反向工程、反编译本 App，或试图提取其源代码。

3. Qsum 会员订阅

• Qsum 会员（月付）：自动续期订阅，时长 1 个月。美国区价格：每月 1.99 美元；中国大陆区价格：每月 8 元人民币。
• Qsum 会员（年付）：自动续期订阅，时长 1 年。美国区价格：每年 9.99 美元；中国大陆区价格：每年 48 元人民币。
• 其他国家和地区的价格由 Apple 按对应档位折算；购买时 App Store 显示的价格适用于你。
• 购买确认时，费用记入你的 Apple ID 账户。
• 除非你在当前订阅期结束前至少 24 小时取消，订阅会自动续期。续期费用会在当前订阅期结束前 24 小时内记入你的账户。
• 购买后，你可以在 App Store 的账户设置中管理或取消订阅。删除 App 或删除 Qsum 账号不会取消订阅。
• 如价格调整，Apple 只会按 Apple 规则和适用法律要求的通知与同意方式收取新价格。
• 退款由 Apple 按其政策和适用法律处理，我们无法直接为你办理 App Store 退款。
• 会员权益在订阅有效期间生效。订阅到期后回到免费版；已经发放到余额里的积分不会被收回。

4. AI 积分

• AI 记账按实际用量扣积分：云端语音识别按录音时长计费，文字解析按底层模型的实际成本计费。小键盘手动记账不扣积分。
• 免费版每个自然月（UTC）发放 800 积分；会员有效期内每个自然月（UTC）发放 10,000 积分。积分在当月第一次使用时发放；月中升级只补差额。
• 积分可以累积，不会过期；不具有现金价值，不能转让、出售或兑换现金，也不可退款。
• 余额不足时，AI 请求会被暂时拦截，手动记账不受影响。
• 我们可以在合理通知后调整发放量、积分定价或计费标准；调整不会追溯减少已经发放的积分。
• 通过滥用、欺诈或自动化攻击获得的积分，我们有权冻结或收回。

5. 使用规范

你同意不得：(a) 违法使用服务，或处理你无权处理的内容；(b) 试图绕过限流、积分余额、身份验证或安全措施；(c) 干扰或过载服务；(d) 利用服务构建竞品数据集或训练模型；(e) 在法律允许范围之外对本服务进行反向工程。

6. AI 结果不构成专业建议

AI 功能可能产生不准确、不完整或意外结果。Qsum 用于记录和理解你个人的收支，不构成会计、税务、投资或法律建议。依赖 AI 生成的流水前请先核对，并对重要信息自行保留独立备份。统计和回答基于你设备上的数据计算，可能因记录缺失或分类错误而偏差。

7. 隐私

隐私政策说明了我们处理哪些数据以及处理原因，是本条款的组成部分。

8. 服务可用性与变更

为保障安全、遵守法律或改进服务，我们可能修改、暂停或停止部分功能，包括 AI 模型和服务商。对影响付费会员的重大变更，我们会尽量提前通知。我们不保证服务不中断或完全无错误；网络、Apple 或第三方 AI 服务商可能偶尔不可用。

9. 终止

你可以随时停止使用 Qsum，并在 App 内删除账号。如果你严重违反本条款，或以损害其他用户或服务的方式使用服务，我们可以暂停或终止你的访问。按其性质应当继续有效的条款（包括已产生的付款义务、免责声明和责任限制）在终止后继续有效。

10. 免责声明与责任限制

在法律允许的最大范围内，服务按“现状”和“现有”提供，不附带任何明示或默示的保证，包括适销性、特定用途适用性和不侵权保证。在法律允许的最大范围内，我们不对间接、附带、特殊、后果性或惩罚性损害负责，也不对数据丢失、利润损失或业务中断负责。对于与服务相关的全部索赔，我们在任意 12 个月内的责任总额不超过你在此期间为服务支付给我们的金额，或 10 美元，以较高者为准。

本条款不排除或限制依法不能排除或限制的责任，包括你所在国家或地区的强制性消费者权利。

11. Apple

本条款是你与我们之间的协议，而非与 Apple 之间的协议。Apple 没有义务为本 App 提供维护或支持。Apple 及其子公司是本条款的第三方受益人，有权向你执行本条款。你声明你不位于受美国政府禁运的国家或地区，也不在美国政府的禁止或限制交易名单上。

12. 适用法律

本条款适用中华人民共和国法律，不考虑冲突法规则。该选择不剥夺你所在国家或地区法律赋予你的强制性保护。争议可依法提交我们设立地或你居住地的有管辖权的法院处理。

13. 条款更新

我们可能不时更新本条款。新版本会发布在本页并标注新的生效日期。如变更实质性影响你的权利，我们会通过 App 内提示或邮件等方式通知。生效日期后继续使用即表示你接受更新后的条款。

14. 联系我们

关于本条款的问题：zihao.liu.qs@icloud.com。