END USER LICENSE AGREEMENT

This End User License Agreement (“EULA”) governs: (i) access to and use of any mobile or web-based software applications (the “Apps”) developed, owned, maintained, offered by SingularLogic S.A. (Alekou Panagouli & Siniosoglou Steet, 14234 Athens, Greece) and the related website www.zenexpense.com (the “Site”) made available by SingularLogic; and (ii) use of the services made available on or accessible via the Apps and the Site (the “ZenExpense services”).

1. Acceptance of this EULA

By using the Apps and/or the Site you signify your agreement with this EULA and you agree that your use of the Apps, the Site and ZenExpense services will always be subject to the most current version of this EULA at the time of such use. If you don’t agree with these terms do not use the Apps, the Site and the ZenExpense services.

2. ZenExpense Services Offered

ZenExpense is a personal finance information management and expense tracking service that allows you to consolidate and track your financial information. Based on such information, ZenExpense may also present suggestions in order to assist you in reaching the custom targets set by you.

ZenExpense is provided to you by SingularLogic SA and is meant as an aid to assist you in organizing and managing your finances. It is not intended to provide legal, tax or financial advice.

3. License Granted- Use of the ZenExpense services

SingularLogic grants you a non-exclusive, non-assignable, non-transferable, revocable license to download the Apps on a device that you own or control in accordance with the terms and conditions of this EULA and the applicable usage rules established by the third party mobile device platform, to access the Site and to use the ZenExpense services made available or accessible for through the Apps or the Site subject to the terms and conditions of this EULA.

The license granted is solely for your personal non-commercial use. You may not distribute or make the Apps available over a network where it could be used by multiple mobile devices at the same time. You may not rent, lease, lend, sell, redistribute or sublicense the Apps. You may not copy decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Apps, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law).

You may only use ZenExpense services for lawful purposes. You may not use the Site or the ZenExpense services in any manner that could damage, disable, overburden, or impair the Site or the ZenExpense services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site or ZenExpense services.

4. Permitted User

By using the Apps and/or accessing the Site you represent and warrant to SingularLogic, that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated as a “terrorist supporting” country and are not on any U.S. Government list of prohibited or restricted parties, (ii) you are an adult of 18 years of age (or the age of majority in your jurisdiction), and are able to execute binding contracts under the laws applicable in your jurisdiction.

5. Availability of the ZenExpense services

You acknowledge and agree that SingularLogic does not guarantee completely uninterrupted and continuous availability of the ZenExpense services. Your access and use of ZenExpense services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Site, or other actions that SingularLogic in its sole discretion, may elect to take. Further you acknowledge and agree that the ZenExpense services may be affected by the performance of and any outages on mobile device networks and/or telecommunications networks or other factors beyond the control of SingularLogic. In no event will SingularLogic be liable to you or to any third party for any loss, cost, or damage that results from any period of downtime of the ZenExpense services.

6. User account registration, password and security

For the use of the Zen Expense services you are required to establish an account on the ZenExpense either by registering your e-mail account (an “Account”) or by authorizing SingularLogic to access your account information maintained by identified third parties, on your behalf. When you use the “Account Services” feature of ZenExpense, you will be directly connected to the website for the third party you have identified. In doing so, you represent and warrant that all Account information submitted is up to date and accurate and you agree to maintain the accuracy of such information.

For instructions on how to update your information, please email us at info@zenexpense.com. You are solely responsible for maintaining the security of your Account information and associated passwords, and SingularLogic will bear no responsibility for unauthorized access to or use of your Account or any results from such unauthorized access or use. Given the inherent risks in online services SingularLogic cannot guarantee Account security. If you believe that someone else is using your Account without permission you must notify us IMMEDIATELY at info@zenexpense.com

In case you forget your password in order to allow you to use ZenExpense services we may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information or requiring you to take steps to confirm ownership of your email address. If you do not provide this information or we cannot verify your identity, we can refuse to allow you to use ZenExpense Services.

7. Privacy and your Personal Information

SingularLogic is committed to protecting your privacy. Our use of your personal information is governed by the terms of Protection of Personal Data, which is posted to the Site and is incorporated into this EULA by reference. Protection of Personal Data may be updated from time to time at our discretion and changes will be effective upon our posting them to the Site.

8. External Links

The Site may, from time to time, include links to external sites. We have included links to these sites to provide you with access to information and services that you may find useful or interesting. We are not responsible for the content of these sites or for anything provided by them and do not guarantee that they will be continuously available. The fact that we include links to such external sites does not imply any endorsement of, or association with, their operators.

9. Consent to receive electronic communications

By using the Apps, the Site and the ZenExpense services you consent to receive electronic notices. Notices to you may be sent via email, through the ZenExpense services by displaying links to notices generally on the Site, or to your mobile device.

10. Changes to the ZenExpense services.

SingularLogic reserves the right at any time to modify or discontinue, temporarily or permanently, the ZenExpense services (or any part thereof), with or without notice. You agree that SingularLogic shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service or any part thereof.

11. Termination

You may terminate your access and use of the ZenExpense Services at any time and for any reason whatsoever by uninstalling/ destroying all copies of the Apps that are in your possession or control and by deleting your Account.

You agree that SingularLogic may, without prior notice, modify, suspend, limit or terminate immediately your access to the ZenExpense services (or any part thereof), at any time and for any reason SingularLogic deems appropriate, at its sole and absolute discretion. SingularLogic is not liable to anyone in case of any such event, no matter the motive.

Cause for such termination or limitation of access may include, but not be limited to, (i) violation of this EULA or other related terms and conditions or guidelines for use, (ii) request by law enforcement (iii) discontinuance or modification of the ZenExpense services (or any part thereof), (iv) unexpected technical or security issues or problems, (v) extended periods of inactivity, (vi) engagement by you in fraudulent and or illegal activities, (vii) engagement by you in any act that is harmful or may be harmful to SingularLogic.

You agree that all terminations and limitations of access for cause shall be made in the sole discretion of SingularLogic and SingularLogic shall not be liable to you or any third party for any termination or limitation of your access to the ZenExpense services.

12. Amendment

SingularLogic serves the right to modify this EULA at any time and at its sole discretion. Except where restricted or prohibited by law, such revisions are made effective by SingularLogic by posting the revisions on the Site or within the Application. Your continued use of the Apps or access to Site and use of the ZenExpense services following the posting of a modified version of this EULA constitutes acceptance of that modified version.

13. Ownership – Title

You understand, acknowledge and agree that you acquire no right, title or interest whatsoever in or to the Apps, Site or the ZenExpense services, as either of them exist now or in the future, and all ownership, rights, title, interest and intellectual property rights in the Apps, Site and the ZenExpense services, including, but not limited to, all trade names, and any and all copyright, patents, trademarks, and service marks relating thereto, are and shall remain the property of SingularLogic its affiliates and/or its licensors, to the extent applicable, and nothing herein shall be construed as granting any rights therein to you.

14. Indemnity

You agree to defend, indemnify, and hold harmless SingularLogic from and against all claims, suits, proceedings, losses, liabilities, and expenses, including attorneys' fees, whether in tort, contract, or otherwise, that arise out of or relate, in whole or in part, to your breach of this EULA or any activity by you in relation to the Site or your use of the ZenExpense services.

15. WARRANTY DISCLAIMER

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE APPS IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR ZENXEPENSE SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND WE HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE APPS AND ZENEXPENSE SERVICES, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. WE DO NOT WARRANT THAT THE APPS, SITE AND ZEN EXPENSE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE APPS OR ZENEXPENSE SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US SHALL CREATE A WARRANTY. SHOULD THE APPS OR ZENEXPENSE SERVICES CAUSE ANY DEFECTS, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

16. LIMITATION OF LIABILITY

SINGULARLOGIC SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES YOU MAY INCUR IN CONNECTION WITH THE APPS, THE SITE, THE ZENEXPENSE SERVICES, YOUR USE THEREOF, OR ANY OF THE USER SUBMISSIONS, INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED THROUGH OR RESIDING ON THE SITES, OR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING THEREFROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OR USE OF THE ZENEXPENSE SERVICES, EVEN IF SINGULARLOGIC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THIS EULA SINGULARLOGIC’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO TEN EUROS.

17. Relationship with Distributors/Third Party Beneficiary

The Apps may be made available by Apple Inc., or others (collectively “Distributors”). This EULA is an agreement between you and SingularLogic and not with any of the Distributors, although the Distributors may be third party beneficiaries of this EULA, and may have the right to enforce this EULA against you, which right you agree to accept. You further agree that SingularLogic and not any Distributor, will be solely responsible to investigate, defend, settle or discharge, at SingularLogic’s discretion, any claims that the Apps or the ZenExpense services (including your use of the same) infringes on the intellectual property rights of any third party, and that the Distributors are not responsible for any claims relating to your possession and/or use of the Apps and the ZenExpense Services including, without limitation, (i) product liability, (ii) failure of the Apps to conform with legal or regulatory requirements, or (iii) claims arising under consumer protection or similar legislation. You further agree that the Distributors are not responsible for maintenance or support of the Apps, the Site or the ZenExpense services.

18. Governing Law - Jurisdiction

This EULA is governed by the laws in force in Greece. You irrevocably consent to the exclusive jurisdiction of the courts in Athens, Greece for purposes of any legal action arising out of or related to the use of the Apps, the Site, the ZenExpense Services or this EULA.

 

Protection of Personal Data

The management and protection of the personal data of the users of the ZenExpense Services is governed by the terms hereof and the provisions of Greek and European legislation on the protection of individuals with regard to the processing of personal data, as well as Decisions of the Hellenic Data Protection Authority.

In any event, Singularlogic reserves the right to modify its terms of personal data protection, without prior notification, in line with the regulatory framework each time applicable. The users of the ZenExpense Services are advised to check regularly the above terms for any changes, as continuous use of the ZenExpense Services implies approval of any amendment thereto.

Singularlogic collects personal data of the users only when such data are voluntarily provided by them for the purpose of using the ZenExpense Services. Personal data are deemed to be information that may be used to identify or communicate with an individual, as well as other information concerning the individual.

SingularLogic takes appropriate measures to ensure that personal data are collected and processed in a responsible and legal manner, and that such data are held in accordance with the terms and conditions set out in the Greek Legislation whereby the privacy and confidentiality of any data that come to its knowledge are duly maintained.

SingularLogic shall be entitled to process part or all of its users’ data within the context of providing the ZenExpense Services, as well as for statistical purposes and to help enhance the ZenExpense services and information provided to Users. The users providing the aforesaid data are deemed also to provide their consent for the said data to be used by SingularLogic its subsidiaries and any associated companies acting on SingularLogic’s behalf and for SingularLogic’s account, for the abovementioned purposes.

SingularLogic shall not sell or otherwise communicate or disclose its users personal data to third parties, other than the aforesaid parties, without the user’s prior consent unless compelled to do so by law and, in that case, only to the competent authorities.

Links to third-party websites may also be available on the ΖenExpense website. However, under no circumstances shall SingularLogic be liable for the terms and conditions applied by such sites in handling and protecting personal data.

 

Cookie Information

ZenExpense uses cookies and tracking pixels to collect information that helps us provide our service to you. We do not use cookies or other tracking mechanisms to serve targeted ads.

1. What Are Cookies?

Cookies are small data files that a web site you visit may save on your hard drive. They usually include an anonymous unique identifier. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.

2. What Cookies Does ZenExpense Use?

ZenExpense sets only a few cookies in order to assist with functions such as user authentication and tracking user preferences, audience size and traffic patterns. We also may include tracking pixels, which are small graphic images, in our email messages and newsletters to determine whether the messages were opened and the links were actually viewed. Due to our integrations with third parties, those third parties also get the opportunity to set cookies.

Below, we have provided a list of the categories of cookies found on our site, and a description of what those cookies do. Please check back here periodically, as we may update this information from time to time.

3. Functional Cookies

Functional cookies are ones ZenExpense sets to help the web site work the way you expect it to.

Some cookies are necessary to enable you to move around our web site and use its features. Without these cookies, we can’t provide services you have asked for.

We use other cookies to help recognize and remember you when you are logged into ZenExpense so we can remember your settings and preferences, such as your language and region or your logged-in state. These cookies also may help us provide services you have asked for, such as watching a video or commenting on our user forum.

As described below, you may disable any of these functional cookies; but if you do so, then various functions of the web site may be unavailable to you or may not work the way you want them to.

4. Performance Cookies

We use a tool from Google called Google Analytics that helps us understand how users use our web site, some of our mobile applications. Google Analytics cookies do not provide ZenExpense with any personally identifiable information. They can tell us things like how you arrived at the ZenExpense site, if you have visited the site before, how long you stay on the site, and which pages on the site you visited. They can also provide us with general information about where in the world a user may be located. This information helps us understand how people use our site and our products, and it gives us information about the kind of experience people have on our site and with our products, all of which helps us learn how to make the ZenExpense experience even better. To learn more about Google Analytics and your privacy, visit http://www.google.com/analytics/learn/privacy.html. To opt out of being tracked by Google Analytics when using our web-based products, visit http://tools.google.com/dlpage/gaoptout .

5. Social Media Features

Our web site uses social media features (“Social Features”) provided by companies and services such as Facebook, Twitter, Google+ to enable you to share information via these channels. The Social Features are identified on our web site by these companies’ respective logos. These cookies are owned and controlled by third parties, and therefore the third parties – and not ZenExpense – are responsible for their use. As such, we can't guarantee that we have listed every cookie you might get from a third party since a third party could change these cookies at any time as their needs change.

When you visit a page on the ZenExpense web site that contains Social Features, your browser establishes a direct connection to the applicable social network’s servers. The Social Features provide the social networks with the information that you have accessed on ZenExpense’s site, and, if you are logged into the social network, your visit may be logged to your account on that service. For example, if you click the Facebook “Like” button, that information is transmitted from your browser directly to Facebook and stored by it. For information on the purpose and scope of data processing by the social network, as well as your options for protecting your privacy, please visit the appropriate social network web site’s Protection of Personal Data. For your convenience, below are links to the most commonly used Social Features you’ll see on the ZenExpense site.

6. How Do I Turn Off Cookies?

You can configure your browser to accept cookies, reject cookies or notify you when a cookie is being used. However, if you configure your browser to reject cookies, you may not be able to use ZenExpense products or services that require you to sign in or take advantage of all the features of ZenExpense. In addition, information at the links above can help you disable specific cookies related to web site performance and marketing.

If you do not want to receive tracking pixels, you will need to disable HTML images in your email client, but that may affect your ability to view images in other email that you receive.