Lens Finance
IMPORTANT: Lens Finance is a personal finance tracking tool. It is not a regulated financial services provider and does not provide financial advice, investment advice, or any form of regulated financial guidance. Nothing in this App should be relied on as financial advice.
Always consult a qualified financial adviser before making significant financial decisions.
By downloading, installing, or using the Lens Finance App ("App"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the App.
These Terms are a legally binding agreement between you and Edniroya Ltd ("Lens", "we", "us"), registered in England and Wales, company number 09367944.
These Terms are governed by the laws of England and Wales.
You must be at least 13 years old to use Lens Finance. If you are under 18, you confirm that you have the permission of a parent or legal guardian.
Lens does not require an account. There is no username or password stored by Lens. Your data lives on your device.
Lens is a personal finance tracking tool. It helps you:
NOT FINANCIAL ADVICE: The App works from data you enter yourself, together with any data you explicitly connect: bank transactions you authorise through Apple Wallet, and live market prices you switch on. Lens does not act on your behalf, does not transact, and does not seek out financial data you have not connected. Numbers, summaries, and projections are for your personal reference only. They are not regulated financial advice. Lens is not authorised by the FCA.
Your financial data belongs to you. Lens stores it on your device only and does not claim any rights over it.
You are responsible for:
Lens does not hold server-side copies of your data. If you delete the App without backing up, your financial data cannot be recovered. Back up regularly.
Free: No charge. 3 goals, 3 accounts, unlimited recurring bills, daily budget, manual transactions, CSV import, this month's report, including a current net worth total, one insight per day, the default categories, and a budget on up to 5 categories.
Pro Monthly: Unlimited goals, accounts, and category budgets, custom categories, the Last month and Year to date reports, including the income and net worth strips inside them, the full what-changed list and the whole month story, the full insights feed, CSV export, Bank Sync on iPhone, the weekly briefing, and AI (receipt parsing and Ask AI, 100 actions a month and no more than 20 in a day).
Pro Annual: Same as Pro Monthly, billed once a year and cheaper than paying monthly.
Pro Lifetime: A one-time purchase. Same as Pro, for life. Excludes any future add-ons with ongoing running costs.
Prices are set per store and per country and can change. The price that applies to you, in your currency, is shown in the App before you buy and on the store's product page. Nothing in these Terms sets a price.
Charged through the Apple App Store (iOS) or Google Play Store (Android). Subscriptions renew automatically at the end of each billing period unless cancelled at least 24 hours before renewal.
Where a free trial is offered, its length and the price that follows are shown before you confirm the purchase. A trial turns into a paid subscription automatically when it ends, unless you cancel at least 24 hours before that. Whether a trial is available to you is decided by the store.
To cancel: manage your subscription through your Apple ID settings (iOS) or Google Play account (Android). Access continues until the end of the current billing period. Cancelling does not trigger a refund of the current period.
A one-time purchase granting Pro features for the lifetime of the App. No recurring charge.
Included in Lifetime: All current Pro features and any future Pro features at no extra charge.
Not included in Lifetime: any future add-ons with ongoing running costs may be offered as separate subscriptions, since they carry real per-user costs regardless of your Pro tier.
This is clearly communicated at the time of purchase and will not change retroactively.
All purchases are processed through the Apple App Store or Google Play Store. Refund requests are handled by Apple or Google under their respective refund policies. Lens cannot process refunds directly.
Pro users have access to AI receipt parsing, Ask AI, and the weekly briefing. The AI provider is Google Gemini.
By using AI features, you acknowledge that:
The backup feature exports a file of your App data to a location you choose, such as iCloud Drive, which encrypts files at rest by default. Lens does not receive or store copies. The security of the backup depends on the storage you choose.
You are responsible for backing up regularly. Lens cannot recover data lost due to device failure, App deletion, or failure to back up.
Importing is available on every tier; exporting is a Pro feature. CSV files are processed on your device. By importing data, you confirm you have the right to use it. Exported files are shared via your device's share sheet to a destination you choose. Lens is not responsible for data shared to insecure destinations.
Receipt scanning attempts to extract transaction data from a receipt image to pre-fill a transaction form. It is not guaranteed to be accurate. Always review scanned results before saving.
Free tier users get on-device OCR, using Apple Vision on iPhone and Google ML Kit on Android; no data leaves the device. Pro users additionally get AI parsing for complex receipts, where the OCR text or a downscaled image is sent from your device through the Lens-operated Cloud Function to Google's Gemini API. Receipt images are never stored on a Lens server.
The App and all its content (design, code, brand, copy) are owned by Edniroya Ltd and protected by applicable intellectual property law.
You are granted a limited, non-exclusive, non-transferable licence to use the App on your personal devices in line with these Terms. You may not copy, modify, distribute, reverse engineer, or use the App commercially without written consent.
You agree not to:
The App is provided "as is" and "as available". We make no warranties about its accuracy, completeness, or fitness for any particular purpose.
We do not warrant that the App will be uninterrupted, error-free, or available on any particular platform indefinitely.
Nothing in these Terms limits liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.
To the extent permitted by law, Lens's total liability for any claim arising from these Terms or your use of the App shall not exceed the total you have paid to Lens in the 12 months before the claim.
Lens will not be liable for: data loss due to device failure or failure to back up; financial decisions made based on App data; actions of third-party services; or errors in data imported from external sources.
As a UK consumer, your statutory rights are not affected by these Terms.
We may update these Terms. Material changes will be communicated within the App. Continued use after changes constitutes acceptance.
We will not remove Pro features from Lifetime purchasers retroactively. If we add new Pro features, they will be included in Lifetime at no extra charge.
You may stop using the App at any time by deleting it. Cancelling a subscription does not delete your data, it remains on your device until you remove the App.
We may suspend your access if you breach these Terms.
Entire agreement: These Terms and the Privacy Policy are the complete agreement between you and Lens relating to the App.
Severability: If any provision is found unenforceable, the remaining provisions continue in full effect.
Governing law: England and Wales. The courts of England and Wales have non-exclusive jurisdiction, subject to your rights as a UK consumer.
Questions about these Terms? Email us at hello@edniroya.com or use the Share Feedback option in Settings, under Support.