Terms and Conditions

Last updated: October 2, 2026

1. Acceptance of Terms

By accessing or using Axpense ("the Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms constitute a legally binding agreement between you and Axpense, a company based in Switzerland. By registering an account, you represent that you are at least 18 years old (the age of majority in Switzerland) and have the legal capacity to enter into this agreement.

2. Description of Service

Axpense is an expense tracking and management application that allows users to:

  • Track and manage business expenses
  • Organize expenses by categories, projects, and departments
  • Upload and store receipt images
  • Generate expense reports
  • Collaborate with team members within a company
  • Access data offline and sync across devices

3. User Accounts and Registration

3.1 Account Creation

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2 Account Security

You agree to:

  • Use a strong, unique password
  • Notify us immediately of any unauthorized access to your account
  • Not share your account credentials with others
  • Be responsible for all activities under your account

3.3 Email Verification

You must verify your email address to activate your account. Unverified accounts may be restricted or terminated at our discretion.

4. Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws, including Swiss law
  • Upload malicious code, viruses, or harmful content
  • Attempt to gain unauthorized access to the Service or other users' accounts
  • Interfere with or disrupt the Service or servers
  • Use automated systems (bots, scrapers) to access the Service without permission
  • Impersonate any person or entity or misrepresent your affiliation
  • Upload content that infringes on intellectual property rights
  • Use the Service to store or transmit illegal, harmful, or offensive content
  • Reverse engineer, decompile, or attempt to extract the source code

5. User Content and Data

5.1 Your Content

You retain ownership of all data and content you upload to the Service. By uploading content, you grant us a license to store, process, and display that content solely for the purpose of providing the Service.

5.2 Data Accuracy

You are solely responsible for the accuracy, completeness, and legality of all data you enter into the Service. We are not responsible for any errors, omissions, or inaccuracies in your data.

5.3 Data Backup

While we maintain backups of your data, you are responsible for maintaining your own backups of important data. We are not liable for any data loss.

6. Subscription and Payment

6.1 Subscription Plans

The Service is offered on a subscription basis. Subscription plans, pricing, and features are subject to change at our discretion. We will provide reasonable notice of any material changes in accordance with Swiss consumer protection laws.

6.2 Trial Period

We may offer a free trial period. At the end of the trial, you must subscribe to a paid plan to continue using the Service. If you do not subscribe, your access may be restricted or terminated.

6.3 Payment Terms

By subscribing, you agree to pay all fees associated with your subscription plan. Payments are processed through third-party payment processors (e.g., PayPal). All prices are in Swiss Francs (CHF) unless otherwise stated. You are responsible for all applicable taxes, including Swiss VAT where applicable.

6.4 Right of Withdrawal (Swiss Consumer Protection)

If you are a consumer under Swiss law, you have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period will expire 14 days after the day of conclusion of the contract. To exercise the right of withdrawal, you must inform us of your decision to withdraw by contacting us at info@axpense.com.

If you withdraw from this contract, we shall reimburse to you all payments received from you without undue delay and in any event not later than 14 days from the day on which we are informed about your decision to withdraw. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise.

6.5 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. You will continue to have access until the end of the period you have paid for.

7. Intellectual Property

The Service, including its original content, features, and functionality, is owned by Axpense and is protected by Swiss and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

8. Termination

8.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in the Service.

8.2 Termination by Us

We may suspend or terminate your account immediately if:

  • You violate these Terms
  • You engage in fraudulent, abusive, or illegal activity
  • You fail to pay subscription fees
  • We discontinue the Service
  • Required by law or court order

8.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We may delete your account and data in accordance with our Privacy Policy. We are not liable for any loss of data resulting from termination.

8.4 Company Admin Data Deletion

If you are a user within a company account, you acknowledge and agree that your company administrator may delete your user data and account at any time. Company admins have the authority to manage user accounts within their organization, including the deletion of user data when necessary for business or administrative purposes. By using the Service as part of a company account, you consent to this administrative control.

9. Disclaimers and Limitations of Liability

9.1 Service "As Is"

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, to the extent permitted by Swiss law. This does not affect your statutory rights as a consumer under Swiss law.

9.2 No Guarantees

We do not guarantee that:

  • The Service will be uninterrupted, secure, or error-free
  • Defects will be corrected
  • The Service is free of viruses or other harmful components
  • The results obtained from using the Service will be accurate or reliable

9.3 Limitation of Liability

To the maximum extent permitted by Swiss law, Axpense shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

Our total liability for any claims arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim. This limitation does not apply to damages caused by gross negligence or willful misconduct, or to liability that cannot be excluded under mandatory Swiss law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Axpense and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any content you submit, post, or transmit through the Service

11. Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods (CISG) shall not apply.

11.2 Jurisdiction

For disputes with consumers domiciled in Switzerland, the courts at the place of the consumer's domicile shall have jurisdiction. For all other disputes, the courts of Switzerland shall have exclusive jurisdiction, with the courts of the canton where Axpense has its registered office having jurisdiction at first instance.

11.3 Dispute Resolution Process

In the event of any dispute, you agree to first contact us at info@axpense.comto attempt to resolve the dispute informally. If we cannot resolve the dispute within 60 days, the dispute shall be resolved in accordance with the jurisdiction clause above.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

  • Posting the updated Terms on this page
  • Updating the "Last updated" date
  • Sending you an email notification (for significant changes)
  • Displaying a notice in the Service

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and may terminate your account. For consumers, material changes to these Terms may require your explicit consent in accordance with Swiss consumer protection law.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under Swiss law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Information

If you have questions about these Terms, please contact us: