玲珑记账服务条款

XYZMoney Terms of Service
最后更新／生效日期：2026 年 10 月 22 日 · 适用版本：1.0.1 及后续更新
应用提供方：大连鑫雨至软件开发有限公司（XYZTech）
联系邮箱：XYZTechFeedBack@gmail.com

本条款说明你使用 XYZMoney（“玲珑记账”“本 App”）的条件。请在使用前阅读本条款、隐私政策、AI 服务声明和适用的最终用户许可协议。若你不接受，请停止使用；本条款不减损适用法律赋予你的强制性权利。

1. 功能与使用条件

玲珑记账提供个人记账、收入与支出记录、多账本、预算与提醒、自定义分类与标签、月度和年度统计报表、语音记账、收据与发票识别、条形码与二维码识别、购物清单与库存、存钱管理、App 锁，以及可选的 AI 辅助整理与分析。当前版本要求 iOS/iPadOS 17 或更新版本。数据只保存在本机（没有云同步），正常使用不需要玲珑记账云账号。

2. 你的记录与责任

你保留自己创建的记录、账本、备注和其他内容的权利，并对其准确性负责。识别、分类和统计结果可能有误，请在保存和依据它们作决定前核对。本 App 是记账工具，不是银行、支付、投资、税务或会计服务，不处理资金转账。请自行备份重要数据；卸载 App 或清除数据会删除本地记录。

3. 权限

本 App 仅在功能需要时请求相机、照片、麦克风、语音识别、通知、位置和本地认证权限。你可在 iOS“设置”中拒绝或撤回，依赖该权限的功能将无法使用。

4. 可选 AI 功能

AI 功能仅在你配置、选择使用并在 App 内授权后才发送数据，发送范围限于所选功能所需的最少数据。你可使用内置 DeepSeek 兼容配置，或自行配置 OpenAI 兼容端点、LM Studio、Ollama 及其他端点，并对自己提供的 API Key、服务账号和第三方费用负责。第三方 AI 服务的条款、隐私、费用和可用性由其提供方决定。AI 输出不构成财务、投资、税务、法律或会计建议。可在“设置 > 隐私 > AI 数据共享详情”撤回授权。详见 AI 服务声明。

5. 禁止用途

  • 违反法律法规或第三方权利；
  • 滥用 App 服务，或试图未经授权访问 App、设备或第三方服务；
  • 制作或传播恶意程序，或干扰 App 的正常运行；
  • 使用本 App 记录或处理你无权处理的他人财务或个人信息。

6. 知识产权

玲珑记账的源代码、界面设计、图标、标识和文档等权利归 XYZTech 或其许可方所有。本条款不向你转让这些权利。

7. 价格与费用

根据 App Store 页面，玲珑记账当前免费提供，没有列出 App 内购买项目。App 免费不代表你选择的第三方 AI 服务免费；相关费用由其提供方按其条款收取。未来如提供收费项目，会在购买前展示价格、权益和条件，并通过适用平台流程确认；本条款不构成对未来收费或自动续费的预先同意。

8. 可用性、更新与中止

功能依赖设备、系统版本、权限、存储空间、网络及第三方服务状态。我们不承诺玲珑记账永久可用、兼容所有设备与文件，或不会中断。服务可能因维护、网络故障、第三方服务中断或不可抗力而中断。我们可能修复、更新或调整功能；若重大变化影响你的权利或需要新的授权，将按适用要求通知或征求同意，并尊重你已有的有效付费权益。你可随时停止使用并卸载本 App。

9. 责任与适用权利

本 App 按届时可用的功能提供。在法律允许的范围内，我们不保证所有设备、内容或外部服务均能正常使用，也不对不受我们控制的网络、平台或第三方配置作出承诺。任何免责或责任限制仅在适用法律允许的范围内适用，不排除依法不得排除的保证、消费者救济或其他责任。

本条款不设定超出法律允许范围的用户赔偿义务，不要求你放弃依法享有的诉讼、投诉或消费者保护权利。争议应依据适用法律通过协商或有权机关解决。

10. 未成年人

未达到所在地独立订立合同或个人信息同意年龄的用户，应在监护人指导及必要同意下使用和购买。

11. 许可、条款更新与联系

App 的软件使用许可另见最终用户许可协议（EULA）。通过 Apple App Store 获得且没有有效自定义许可协议的版本，适用 Apple 标准 EULA 及 Apple 媒体服务条款中的使用规则。本条款不扩大或缩减强制适用的平台许可。

我们会在本页标注更新日期；重大修订按适用要求通知，需要另行同意的处理不会仅以继续使用代替同意。中英文版本意图一致，强制性法律及适用的语言保护优先。

联系 大连鑫雨至软件开发有限公司（XYZTech）：XYZTechFeedBack@gmail.com。请注明“玲珑记账”，不要附上密码或无关私人资料。

XYZMoney Terms of Service

Last updated / effective: October 22, 2026 · Applies to version 1.0.1 and later updates
App provider: Dalian Xinyuzhi Software Development Co., Ltd. (XYZTech)
Contact: XYZTechFeedBack@gmail.com

These terms govern your use of XYZMoney (玲珑记账, “the app”). Read them with the Privacy Policy, the AI Service Disclosure and the applicable EULA. Stop using the app if you do not accept them. Mandatory legal rights remain unaffected.

1. Service and requirements

XYZMoney provides personal bookkeeping, income and expense records, multiple ledgers, budgets and reminders, custom categories and tags, monthly and yearly reports, voice bookkeeping, receipt and invoice recognition, barcode and QR recognition, shopping lists and inventory, savings management, App Lock, and optional AI-assisted organization and analysis. The current version requires iOS/iPadOS 17 or later. Data is stored only on-device (there is no cloud sync), and normal use needs no XYZMoney cloud account.

2. Your records and responsibility

You keep your rights in the records, ledgers, notes and other content you create and are responsible for their accuracy. Recognition, categorization and statistics can be wrong; check them before saving or relying on them. The app is a bookkeeping tool, not a bank, payment, investment, tax or accounting service, and it does not move money. Back up important data; deleting the app or clearing data removes local records.

3. Permissions

The app requests Camera, Photos, Microphone, Speech Recognition, Notifications, Location and Local Authentication only when a feature needs them. You can deny or revoke them in iOS Settings, and dependent features will stop working.

4. Optional AI features

AI features send data only after you configure, choose to use and authorize them in the app, limited to the minimum needed for the selected feature. You may use the built-in DeepSeek-compatible configuration or configure an OpenAI-compatible endpoint, LM Studio, Ollama or another endpoint, and you are responsible for your API keys, provider accounts and third-party charges. The provider’s terms, privacy, fees and availability apply. AI output is not financial, investment, tax, legal or accounting advice. Revoke permission in Settings > Privacy > AI Data Sharing Details. See the AI Service Disclosure.

5. Prohibited use

  • violating laws, regulations or third-party rights;
  • abusing the app or attempting unauthorized access to the app, devices or third-party services;
  • creating or distributing malware or interfering with the app’s operation;
  • recording or processing other people’s financial or personal information you are not entitled to process.

6. Intellectual property

Rights in XYZMoney’s source code, interface design, icons, logos and documentation belong to XYZTech or its licensors. These terms do not transfer them to you.

7. Prices and fees

According to its App Store page, XYZMoney is currently free with no in-app purchases listed. A free app does not make third-party AI services free; their providers charge under their own terms. Any future paid offering will show its price, benefits and conditions before purchase and use applicable platform confirmation; these terms do not pre-authorize future charges or renewals.

8. Availability and changes

Features depend on the device, OS version, permissions, storage, network and third-party services. We do not promise that XYZMoney will always be available, compatible with every device or file, or uninterrupted. Service may be interrupted by maintenance, network failures, third-party outages or force majeure. We may fix, update or change features; material changes affecting your rights or requiring new permission will be handled under applicable notice/consent requirements, and valid purchased benefits will be respected. You may stop using and delete the app at any time.

9. Responsibility and legal rights

The app is provided with the features available at the time. Where the law permits limitations, we do not guarantee operation with every device, content item or external service, or configurations outside our control. Any disclaimer or limitation applies only to the extent permitted by law and does not remove non-excludable warranties, remedies or responsibility.

These terms impose no indemnity beyond what the law permits and do not require you to waive court, complaint or consumer-protection rights. Disputes should be resolved by agreement or by competent authorities under applicable law.

10. Minors

If you are below the local age for independent contracts or data consent, use and purchase only with guardian guidance and any required permission.

11. License, revisions and contact

Software licensing is described in the End User License Agreement (EULA). App Store versions without a valid custom license are governed by Apple’s Standard EULA and the usage rules in the Apple Media Services Terms. These terms do not override mandatory platform licensing.

Revisions carry an updated date on this page; material changes are notified as required, and continued use alone will not replace any consent that is separately required. Both language versions are intended to be consistent; mandatory law and language protections prevail.

Contact Dalian Xinyuzhi Software Development Co., Ltd. (XYZTech) at XYZTechFeedBack@gmail.com, identifying “XYZMoney”. Do not attach passwords or unrelated private files.