These Terms of Use ("Terms") form a binding agreement between you ("you," "your," or "User") and AGM Apps ("we," "our," or "us") regarding your use of the Real-Time Salary mobile application for Android (the "App").
By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not install or use the App.
These Terms are entered into between you and AGM Apps. Google LLC is not a party to these Terms and is not responsible for the App or its content.
Real-Time Salary is a personal finance utility that helps users visualize and track their earnings in real time. Core features include:
The App is a tracking and visualization tool. It is not a payroll system, accounting platform, tax advisor, or financial planner.
You must be at least 13 years old (or the minimum age of digital consent in your jurisdiction, whichever is higher) to use the App. If you are under the age of majority in your jurisdiction, you may only use the App with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms.
By using the App, you represent that you meet these requirements and that you have the legal capacity to enter into a binding agreement.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on any Android device that you own or control, solely for your personal, non-commercial use, as permitted by the Google Play Terms of Service.
This license does not include any rights to resell or commercially use the App, distribute it, or use it on behalf of any third party.
You agree that you will not, and will not permit any third party to:
The App offers an optional auto-renewing subscription called "Real-Time Salary Plus" (currently US $0.99/month or local equivalent). The Plus tier currently includes 30 AI credits per month (used for Invoice Scanner and Discover features), an ad-free experience, and access to Plus-only features as described in the App.
Payment will be charged to your Google Play account at confirmation of purchase. Subscriptions automatically renew at the same price unless auto-renewal is turned off at least 24 hours before the end of the current billing period.
You can manage or cancel your subscription at any time through the Google Play Store: open the Play Store app → Profile → Payments & subscriptions → Subscriptions → Real-Time Salary. Cancellation takes effect at the end of the current paid period; you will retain Plus features until that date.
All subscription fees are processed by Google Play and are subject to Google Play's refund policy. AGM Apps cannot directly issue refunds for Google Play purchases. To request a refund, visit play.google.com/store/account/orderhistory.
We may change subscription prices or Plus benefits with reasonable advance notice. Google Play will notify you of any price increase and request your consent before continuing your subscription at the new price, where required.
Plus AI credits reset monthly and do not roll over. AI credits have no cash value, are non-transferable, and are not refundable individually.
The App includes AI-assisted features powered by third-party large language models (currently Anthropic Claude and Google Gemini), routed through our Firebase Cloud Functions.
Important: AI-generated output may be inaccurate, incomplete, outdated, or misleading. You are solely responsible for verifying any information returned by the App before relying on it.
The Invoice Scanner extracts text from receipts and invoices you choose to upload. It is intended as a convenience and may misread totals, dates, line items, or tax amounts. Always double-check parsed values before saving or acting on them.
The Discover feature uses AI to estimate public-figure earnings based on publicly reported information. Salary figures are estimates only and should not be treated as verified facts, financial advice, or insider information. Cached results may not reflect the most recent reporting.
Nothing in the App — AI-generated or otherwise — constitutes financial, tax, legal, accounting, or investment advice. Consult a qualified professional before making financial decisions.
The App, including its source code, design, graphics, text, logos, branding, and all related intellectual property, is owned by AGM Apps and is protected by United States and international copyright, trademark, and other intellectual property laws.
Except for the limited license granted in Section 4, no rights are granted to you in or to the App, our trademarks, or any related content. All rights not expressly granted are reserved.
Salary entries, schedules, notes, scanned invoices, and other data you enter into the App ("User Content") remain your property. We do not claim ownership of your User Content.
Your User Content is stored locally on your device. When you use AI features, relevant snippets of User Content may be transmitted to our Cloud Functions and AI providers solely to fulfill the requested operation, as described in our Privacy Policy.
You represent that you have the legal right to upload or process any User Content (including invoices, receipts, and images) you submit to the App.
The App integrates with third-party services, including Google Play, Google Play Billing, Google Firebase (Analytics, Cloud Functions, Firestore, Remote Config), Google AdMob, Google AI (Gemini), Google User Messaging Platform (UMP), Anthropic (Claude), Unity Ads, and Liftoff/Vungle.
Your use of these services through the App is subject to the respective provider's terms and privacy policies. We are not responsible for the practices of third parties.
The free version of the App is supported by advertising. Some features may grant temporary access or AI credits in exchange for watching a rewarded video ad. Ads are served by third parties and may be personalized based on your consent choices (collected via Google's User Messaging Platform / GDPR consent prompt where applicable).
We do not guarantee that any specific ad will be available, complete successfully, or grant any specific reward. Reward eligibility is determined by the ad network's callback to the App.
THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DATA — INCLUDING CALCULATIONS, AI-GENERATED RESULTS, OR CACHED FIGURES — WILL BE ACCURATE OR RELIABLE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AGM APPS, ITS OWNERS, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $20.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless AGM Apps and its owners from and against any claims, damages, obligations, losses, liabilities, costs, or debt (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any third-party right, including without limitation any intellectual property, publicity, or privacy right; or (d) any User Content you submit through the App.
These Terms are governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Before filing any formal claim, you agree to first contact us at help.agmapps@outlook.com and attempt to resolve the dispute informally for at least thirty (30) days.
If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the App will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in the State of Florida or in your home jurisdiction where required by law. The arbitrator's decision will be final and binding.
You and AGM Apps agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
Either party may bring an individual action in small-claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights.
You may stop using the App at any time by uninstalling it from your device. We may suspend or terminate your access to the App or any features (including Plus features and AI credits) at any time, with or without notice, if we believe you have violated these Terms or if continued operation would expose us to legal or security risk.
Upon termination, Sections 5, 7–15 survive.
This App is distributed through Google Play and is subject to the Google Play Terms of Service. The App may include open-source software components; the relevant license notices are available within the App or upon request.
We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above and, where appropriate, notify you within the App. Continued use of the App after changes take effect constitutes your acceptance of the updated Terms.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and AGM Apps regarding the App.