Terms of Use for Sifdroid

First published: 2026-09-15
Last updated: 2026-10-07

These Terms of Use (“Terms”) cover your use of the Sifdroid Android app (“Sifdroid”, “the app”). “We” and “us” mean Twius, the developer of Sifdroid. Sifdroid keeps a record of the accounts, income, expenses, transfers, investment holdings, and assets that you enter yourself, and it stores them on your device.

By installing or using Sifdroid, you agree to these Terms. If you do not agree, do not use the app.

In short: Sifdroid only keeps records. It cannot move your money, nothing in it is advice, and your records sit on your phone rather than on any server of ours, so keeping backups is up to you. The app is provided as is, though your rights under consumer law still apply.

1. Who these Terms are with

Sifdroid is developed and published by Twius (Anastasis Anastasi, an individual developer in Cyprus). You can reach us at twius.09@gmail.com.

The terms of the store you got the app from also apply, which is normally Google Play. Where those store terms and these Terms disagree about something the store handles, such as payment, refunds, or distribution, the store terms win, but they never reduce the refunds these Terms promise or your rights under consumer law.

You need to be at least 13 to use Sifdroid, or older if a higher minimum age applies where you live. If you are under 18, or under the age of adulthood where you live, a parent or guardian needs to agree to these Terms for you.

Nothing in these Terms takes away rights you have under the consumer protection law of the country where you live.

2. Your licence to use the app

Sifdroid is licensed to you, not sold. You get a non-exclusive, non-transferable licence to install and use it, for personal or work use, on devices you own or control. It lasts until it ends as described in section 13.

You may not:

redistribute, resell, sublicense, rent, or lend the app;
reverse engineer, decompile, or disassemble the app, or otherwise try to get at its source code, unless the law says you may or the licence of an open-source component inside the app allows it (see section 8);
modify or patch the app to unlock paid features without paying for them, or help anyone else do so;
remove or hide any copyright, licence, or attribution notice.

3. What Sifdroid does

Sifdroid is a record-keeping tool. It documents money you have already moved through your own bank, broker, or exchange, and it is built so that it cannot do anything else.

Sifdroid does not:

execute, place, or settle any trade, transfer, or payment of your money, and it has no ability to do so. The only purchase it can start is Sifdroid Pro, which Google Play handles (see section 7);
connect to your bank, broker, exchange, or card, and it cannot read your balances or transactions from them;
hold money. It is not a bank, a broker, a custodian, or a payment service.

Every number the app shows is worked out from what you entered. Your account balances, net worth, budget totals, and portfolio values are arithmetic on your own entries and on prices and exchange rates from third parties. If an entry is missing, duplicated, or mistyped, the totals will be wrong, and the app has no way of knowing.

When your accounts, assets, or holdings use different currencies, the app converts them into your base currency using published reference rates. Income and expenses use the rate for the day they happened, or the nearest day the app has a rate for until that one downloads. What you paid for an investment uses the rate for the day you bought it. Balances, assets, holdings, and net worth use today’s rate. These rates can differ from the one your bank, broker, or card provider actually used. On the budget, accounts, and assets screens, an amount the app has no rate for is left out of the total until one is available. The budget and assets screens tell you when this happens.

4. Not financial advice

Nothing in Sifdroid is financial, investment, tax, accounting, or legal advice, and nothing in it is a recommendation to buy, sell, or hold anything.

The figures, charts, and reminders are there for information. They know nothing about your circumstances, your goals, or how much risk you can take. Investments can fall as well as rise, and you can lose money.

Your financial decisions are your own. Before you act on something you saw in the app, check it against your bank, broker, or exchange, and consider speaking to a qualified professional.

5. Market data

Sifdroid shows stock, cryptocurrency, and currency data from three outside providers: Finnhub, CoinGecko, and Frankfurter, which takes its exchange rates from the European Central Bank. Some features need an API key that you get from the provider yourself, under that provider’s own terms. Finnhub’s free plans, for example, are for personal use only.

That data comes as it is. It may be delayed, incomplete, or simply wrong, and it is not guaranteed. We do not produce it, check it, or control it, and we are not responsible for it. A price in the app is indicative only. It is not a quote, an offer, or a price you can trade at.

Any of these providers may change, restrict, or shut down its service at any time, which may stop the feature that relies on it from working. We are not obliged to find a replacement. If that leaves part of Sifdroid Pro unusable, section 10 applies.

6. Your data

Everything you record in Sifdroid stays on your device, in the app’s private storage. We do not run a server or keep a copy. The Privacy Policy explains this in full. Only the lookups it describes, such as the symbols of your holdings, leave the device.

That has a consequence: if you lose your device, it is damaged beyond repair, you reset it, clear the app’s data, or uninstall the app, your Sifdroid data is gone for good. We cannot recover it, because we never had it. If you move to a new phone with Android’s direct device-to-device transfer, the app’s data may be copied across.

Android’s cloud backup is deliberately switched off for the app, so nothing is copied to your Google account.
Backups are your responsibility. The app has an export function in Settings, under Data, for exactly that. It is worth using regularly.
An export holds your financial data, so store and share the file carefully. Anyone who can open it can read it.
Importing a backup replaces what is currently in the app, and that cannot be undone.

You are responsible for what you enter. Keeping your device secure is up to you. App lock adds a layer on top of your screen lock, but it does not replace one.

7. Purchases

Sifdroid is free to use for everyday budgeting. Investments, assets, and recurring transactions are part of a paid unlock called Sifdroid Pro. Sifdroid Pro is a single one-time purchase, not a subscription, and it does not renew.

Google Play handles the payment, not us. We never see your card details.
Within 48 hours of buying, you can ask Google Play for a refund. After that, contact us. We will refund you where the law requires, for example if Sifdroid Pro does not work as described.
The purchase belongs to your Google account rather than to the installed app. It survives uninstalling, and you can restore it from inside the app.
We will not take a feature you have paid for and charge for it again.

If something you bought does not unlock, try Restore purchase in the app first, then contact us at the address in section 17.

8. Open-source components

Sifdroid includes open-source software written by other people: mainly Google’s AndroidX and Material Components libraries and Kotlin and its coroutines library from JetBrains, under the Apache License 2.0, along with smaller components under licences such as MIT and BSD. Google’s Play Billing library and the Google Play services components it uses are not open source. Google provides them under its own terms, the Android Software Development Kit License. Some smaller libraries that come with them, such as Google’s event-reporting library, are open source under the Apache License 2.0. Each component keeps its own licence, and nothing in these Terms takes away a right those licences give you.

The list of components and their licence texts are in the app under Settings, in the App info section, as Open source licenses.

9. No affiliation

Sifdroid is an independent app. It is not affiliated with, associated with, endorsed by, or sponsored by Google, or by Finnhub, CoinGecko, Frankfurter, the European Central Bank, or any company, exchange, fund, or asset that appears in it. All trademarks and names belong to their owners.

10. Changes to the app

We may update Sifdroid and change its features. We change or remove a feature only for a valid reason, such as a change to Android or Google Play, a security problem, a service the app relies on closing, or keeping the app working. If a change removes something you paid for, or makes it much worse, we will tell you before it happens, in the app’s release notes and on its store listing, and you can ask for a refund within 30 days of that notice or of the change, whichever is later.

We may also stop offering Sifdroid. If we discontinue it, we stop updating and offering it, but the copy you have keeps working. We do not promise to keep it working with any particular device, Android version, data provider, or file format. If you paid for Sifdroid Pro, we will provide the updates the law requires for as long as you can reasonably expect them.

Your data is on your device rather than with us, so discontinuing the app does not delete it. Even so, keep an export if you want your records to outlast your use of the app.

11. No warranty

Sifdroid is provided “as is” and “as available”, with no warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy, security, or uninterrupted and error-free operation.

We do not promise that the app’s calculations, totals, prices, exchange rates, or reminders are accurate, complete, on time, or suitable for any purpose, including tax, accounting, or regulatory reporting.

If you paid for Sifdroid Pro, you have legal rights if it is faulty or not as described, and these Terms do not affect them. None of this removes rights you have under consumer protection law where you live. Where that law applies, these disclaimers apply only as far as it allows.

12. Limits on our liability

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law does not let us limit.

Apart from that, we are only responsible for loss that is a foreseeable result of our breaking these Terms or failing to use reasonable care and skill. As far as the law allows, we are not responsible for lost profit, investment losses, missed opportunities, or tax penalties, whether they arise from using Sifdroid, from relying on something the app showed you, or from not being able to use it at all. Our total liability to you is limited to the greater of what you paid for Sifdroid Pro and €50. This limit does not affect your rights if Sifdroid Pro is faulty or not as described.

13. Ending your licence

You can end your licence at any time by uninstalling the app. We can end it only if you seriously or repeatedly break these Terms, for example by cracking paid features or redistributing the app. Export your data first if you want to keep it. Sections 3, 4, 5, 8, 11, 12, 15, and 16 still apply after the licence ends.

14. Changes to these Terms

We only change these Terms for a good reason, such as a change in the law, in Google Play’s rules, or in how the app works. The version published at this address is always the current one, and the “Last updated” date at the top tells you when it last changed. If a change matters, we will tell you at least 30 days before it takes effect, in the app’s release notes and on its store listing. If you do not agree, stop using the app. If the change takes away something you paid for, you can ask for a refund.

15. Governing law

These Terms are governed by the law of Cyprus. If you are a consumer, you keep the protection of the mandatory laws of the country where you live, and you can bring a claim in the courts of Cyprus or in any court your local law lets you use. If you use Sifdroid for work, the courts of Cyprus decide any dispute. If a court finds part of these Terms unenforceable, the rest still applies. If someone else takes over Sifdroid, we may transfer these Terms to them. Your rights stay the same.

16. Privacy

What the app does with information on your device is covered separately in the Privacy Policy for Sifdroid.

17. Contact

Questions about these Terms: twius.09@gmail.com.