Terms of Service — TranSMS by Ai4Life

1.What TranSMS Is

TranSMS captures bank transaction alerts (via SMS or manual entry), helps you confirm a spending category through Telegram, and logs each transaction to a Google Sheet that you own and control. TranSMS is provided by Ai4Life, based in the United Arab Emirates.

2.Eligibility & Setup

To use TranSMS you must provide two things during onboarding: the ID of your own Google Sheet (created from our template) and your Telegram Chat ID. You are responsible for the accuracy of what you provide and for keeping your own Telegram account and Google account secure.

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to subscribe to TranSMS.

3.Subscription, Billing & Cancellation

TranSMS is offered as a monthly subscription through Gumroad, our payment processor and merchant of record. Your payment details are handled entirely by Gumroad under Gumroad's own Terms of Service — we never receive or store your card details.

You may cancel your subscription at any time through Gumroad. Upon cancellation, we stop processing new transactions on your behalf; any data already written to your own Google Sheet remains yours, since it was never stored on our systems in the first place.

4.Your Responsibilities

You are the final decision-maker on every transaction category — TranSMS suggests, you confirm. Review entries for accuracy, especially in the early period of use.
Do not share your Telegram Chat ID or your Google Sheet's edit access with anyone you don't want reading your transaction history.
Notify us promptly if you believe your Telegram account, Sheet, or subscription access has been compromised.
Use TranSMS only for lawful personal or business record-keeping purposes.

5.Data Handling & Security

We take data security seriously and design TranSMS around minimizing what we handle:

Communication between your device, our automation infrastructure, and Telegram is encrypted in transit.
We never ask for or store your online banking credentials, card numbers, or banking app passwords.
Your transaction data is written to a Google Sheet in your own Google account. We hold only the edit access you explicitly grant, which you may revoke at any time.
Nothing is logged to your sheet without your confirmation.

Full detail on what we process and why is in our Privacy Policy.

6.Third-Party Services We Rely On

TranSMS is built on infrastructure and services we do not own or operate, including our hosting provider, workflow automation software, an AI-based language processing service used to help categorize transactions, Telegram's Bot API, and your own Google account. These providers have their own security practices, uptime, and terms, which are outside our direct control.

In plain terms: we take reasonable, industry-standard precautions across every part of this pipeline, and we design the system so that as little sensitive data as possible passes through or is retained by any single point. But we cannot guarantee against every conceivable failure, vulnerability, or outage in third-party infrastructure that could not reasonably have been foreseen or prevented at the time.

7.No Warranty

TranSMS is provided "as is" and "as available." We do not warrant that the service will be uninterrupted, error-free, or that every transaction will be captured or categorized with perfect accuracy. Automated and AI-assisted categorization is a suggestion, not a guarantee — you remain responsible for reviewing entries before relying on them.

8.Limitation of Liability

To the maximum extent permitted by applicable law:

TranSMS and Ai4Life are not liable for any indirect, incidental, special, or consequential damages arising from your use of the service.
Our total liability for any claim relating to TranSMS is limited to the total fees you paid us in the three (3) months preceding the event giving rise to the claim.
This limitation applies in particular to incidents arising from third-party infrastructure or services described in Section 6, where the cause was outside our reasonable control and could not have been reasonably foreseen or prevented.

Nothing in these Terms limits liability that cannot be limited or excluded under applicable law, including liability for gross negligence, willful misconduct, or fraud.

9.Force Majeure

We are not responsible for delays, interruptions, or failures in providing TranSMS caused by circumstances reasonably beyond our control, including but not limited to internet or hosting outages, third-party service failures, cyberattacks, natural disasters, or changes in law or platform policy affecting services we depend on.

10.Termination

You may stop using TranSMS at any time by cancelling your subscription and revoking our access to your Google Sheet. We may suspend or terminate access for violation of these Terms, non-payment, or misuse of the service. Because your transaction data lives in your own Google Sheet, termination does not affect your access to data already recorded there.

11.Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by an updated "Last updated" date above, and where appropriate, communicated via Telegram or email. Continued use of TranSMS after changes take effect constitutes acceptance of the revised Terms.

12.Governing Law & Disputes

These Terms are governed by the laws of the United Arab Emirates. Any dispute arising from these Terms or your use of TranSMS will be subject to the exclusive jurisdiction of the competent courts of the United Arab Emirates, unless otherwise required by applicable law.

13.Contact

Questions about these Terms can be sent via our @ai.4_life official page on Instagram, by email at support@ai4life.ae, or by replying to any of our emails.