Iskana Terms of Service

Version 1.0 Effective date: September 19, 2026 Last updated: September 19, 2026

1. Introduction and Acceptance

Welcome to Iskana. These Terms of Service ("Terms") govern your access to and use of the Iskana mobile application ("App"), available on iOS and Android, and any related services provided by Iskana ("we," "our," or "us"), a company registered in the Philippines.

Iskana is a grocery companion app that helps you track your spending as you shop, verify receipts to earn Points, and see your grocery spending against a budget. The App connects to product and pricing data provided by grocery stores and supermarkets that participate in the Grocerwise platform. To do this, the App shares some information with Grocerwise under a random code, as described in Section 6.2 of the Privacy Policy.

By downloading, installing, or using the App, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, do not use the App.

2. Definitions

"Account" means your registered user account on the App.

"App" means the Iskana mobile application and any associated services.

"Content" means any information you submit through the App, including trip data, receipt photos and account details (and, when available, expense entries and shopping lists).

"Free Plan" means the no-cost tier of the App with access to core features as described in Section 5.

"Iskana Points" or "Points" means the reward points earned through the App's points system, as described in Section 7.

"Pro Plan" means the paid subscription tier of the App with access to premium features as described in Section 5.

"Receipt" means a physical or digital proof of purchase from a grocery store that you photograph and submit through the App for verification.

"Session" means a single completed shopping trip recorded in the App, from store selection to checkout confirmation.

"Store" means a grocery store or supermarket branch registered on the Grocerwise platform whose product data is accessible through the App.

3. Account Registration and Eligibility

3.1 Eligibility

To use the App, you must:

• Be at least 18 years of age, or the age of majority in your jurisdiction if higher;
• Have a valid email address; and
• Not be prohibited from using the App under applicable law.

If you are between 13 and 17 years of age, you may only use the App with the consent and supervision of a parent or legal guardian who agrees to these Terms on your behalf.

3.2 Account creation

You must create an Account using a valid email address and password. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. Notify us immediately at support@iskana.app if you suspect unauthorized access.

3.3 Accuracy

You agree to provide accurate and truthful information when creating your Account and to keep your information current.

3.4 One account per person

Accounts are for individual personal use only. You may not create multiple accounts, share your account with others, or use the App for commercial purposes on behalf of a business.

4. Use of the App

4.1 Permitted uses

You may use the App to:

• Scan product barcodes to retrieve pricing information from participating Stores;
• Track a running total of items added during a shopping session;
• Set and monitor a budget for each trip and a monthly grocery budget;
• Photograph receipts to verify session accuracy and earn Points; and
• View your shopping history.

Further features planned for the Pro Plan — shopping lists, manual expense tracking across categories, and AI-powered product information, spending insights and the Iska budget assistant — are not yet available. These Terms will apply to them when they are released.

4.2 Prohibited conduct

You agree not to:

• Submit false, manipulated, or duplicate receipts for the purpose of fraudulently earning Points;
• Use the App for any commercial or business purpose;
• Attempt to manipulate, exploit, or abuse the Points system;
• Reverse engineer, decompile, or disassemble any part of the App;
• Use automated tools to interact with the App without our prior written consent;
• Upload or transmit any content that is unlawful, harmful, defamatory, or infringes the rights of any third party; or
• Interfere with or disrupt the App's servers, networks, or security features.

4.3 Pricing accuracy

Product prices displayed in the App are sourced from participating Stores and may not reflect real-time pricing. Prices are subject to change and may differ at the point of sale. Iskana does not guarantee that prices shown in the App match actual checkout prices. The final price is always determined by the Store at the point of sale.

4.4 Offline use

Certain features of the App, including barcode scanning using pre-loaded data, are available offline. Features requiring an internet connection, including AI-powered features and real-time product lookups, will not function without connectivity.

5. Plans and Subscription

5.1 Free Plan

The Free Plan is available at no charge and includes:

• Barcode scanning and price lookup
• Running bill tracking
• Shopping history: your 10 most recent sessions are shown. Older sessions are kept and become visible if you upgrade to Pro
• Grocery spending tracker (auto-populated from sessions)
• Per-session budget setting
• Receipt photo verification and Points earning

5.2 Pro Plan

Iskana Pro is not yet on sale. Sections 5.2 to 5.5 apply once it is. During the beta, Iskana may give Pro to testers at no charge.

The Pro Plan is a paid subscription that includes all Free Plan features plus:

• Unlimited shopping history
• AI-powered buy list with voice input
• Full multi-category budget tracker with manual expense entry
• AI spending insights and analytics
• Unlimited product AI information queries
• Iska AI budget companion
• Points multiplier (1.5× on all earned Points)

The Pro Plan price is published in the App and on iskana.app and may be updated from time to time with advance notice.

5.3 Billing and payment

Pro Plan subscriptions are billed in advance on a monthly or annual basis through the Apple App Store or Google Play Store, subject to their respective payment terms. Payments are processed by Apple or Google — Iskana does not store your payment card information.

5.4 Cancellation and refunds

You may cancel your Pro Plan subscription at any time through the App Store or Play Store settings. Cancellation takes effect at the end of the current billing period. Refunds are subject to the policies of Apple App Store or Google Play Store. Iskana does not directly issue refunds for App Store or Play Store purchases.

5.5 Free trial

Iskana may offer a free trial of the Pro Plan at its discretion. Trials automatically convert to a paid subscription unless cancelled before the trial period ends.

6. AI Features

6.1 Nature of AI outputs

The App uses artificial intelligence to read receipt photos. Further AI features (product information, recipe suggestions, spending insights, expense categorization and the Iska budget companion) may be added later. AI-generated content is provided for informational and convenience purposes only. It may not be accurate, complete, or suitable for your specific situation.

6.2 No financial advice

Nothing in the App, including AI spending insights or budget recommendations, constitutes financial, investment, tax, or legal advice. You should consult a qualified professional for advice specific to your circumstances.

6.3 Iska companion (when available)

The Iska AI companion assists with logging expenses and answering spending questions. Iska will not save, edit, or delete any data without your explicit confirmation. You are responsible for reviewing and confirming all actions suggested by Iska before they are applied to your Account.

6.4 Limitations

AI features are dependent on internet connectivity and third-party AI providers. Iskana does not guarantee the availability, accuracy, or continued operation of AI features.

7. Points System

7.1 How Points are earned

You earn Iskana Points through completed shopping sessions. Points are calculated based on:

• Base points: Awarded for every completed Session, based on the session total amount;
• Accuracy bonus: Awarded when you photograph your receipt and the AI verifies that the App total matches the receipt total within defined thresholds;
• Behavior bonuses: Such as budget keeper bonuses and one-time first-session bonuses (and streak bonuses, when introduced); and
• Pro Plan multiplier: Pro subscribers earn 1.5× Points on all components.

Full details of the Points calculation are published in the App under Profile → Iskana Points.

7.2 Receipt verification

To earn accuracy bonus Points, you must photograph the physical receipt from your shopping trip and submit it through the App within twenty-four (24) hours of completing the Session. The AI reads the receipt's total, store name and date, and we compare them with your in-app session. Iskana does not guarantee that the AI will successfully read every receipt.

7.3 Points validity

Points are valid for twelve (12) months from the date they are earned (Free Plan) or twenty-four (24) months (Pro Plan). Expired Points are forfeited and cannot be restored.

7.4 Points have no cash value

Iskana Points are not currency, do not have monetary value, and cannot be exchanged for cash. Points may be redeemed only for rewards made available in the App at the time of redemption.

7.5 Redemption

Redemption is not yet available; we will announce rewards in the App. Points may then be redeemed for rewards published in the App, which may include Iskana Pro subscription credits and future third-party partner rewards. Redemption options and the Points required for each reward may change at any time. We will provide reasonable advance notice of any reduction in redemption value.

7.6 No transfer

Points are personal to your Account and may not be transferred, sold, gifted, or combined with another account.

7.7 Abuse and fraud

Iskana actively monitors for Points abuse, including submission of false, duplicate, or manipulated receipts. If we determine that you have fraudulently earned Points, we reserve the right to: (a) forfeit all Points in your Account; (b) suspend or terminate your Account; and (c) take legal action if warranted.

7.8 Modification and termination of the Points program

Iskana reserves the right to modify, suspend, or terminate the Points program at any time with thirty (30) days' prior notice. If the program is terminated, we will provide a reasonable redemption period for existing Points balances.

8. Receipt Photos

8.1 Submission

When you submit a receipt photo, you authorize Iskana to transmit the image to our AI processing service to read the total, store name and date, so we can verify your Session for Points and detect duplicate or altered receipts. Authorised Iskana staff may review a photo if a Session is flagged or the photo could not be read. Receipt images are deleted ninety (90) days after upload, or when you delete your Account.

8.2 Your responsibility

By submitting a receipt, you confirm that: (a) the receipt is genuine and unaltered; (b) it relates to the shopping session you are verifying; and (c) you have not previously submitted the same receipt for Points in another session.

8.3 No sharing

Receipt images are not shared with the Store, Grocerwise, or any third party, except the storage and AI providers that process them for us (Cloudflare and OpenAI).

9. Budget Tracker

9.1 What the budget uses

The budget summary uses the Sessions you record in the App. Manual entry of other expenses is planned for Iskana Pro. Iskana does not connect to your bank accounts, e-wallets, or credit cards. All expense entries are self-reported and under your control.

9.2 No bank integration

Iskana does not integrate with banks, GCash, Maya, or any other financial institution in the current version. Any such integration in future versions will be clearly disclosed and will require your separate consent.

9.3 Informational only

Budget information, totals, and analytics displayed in the App are for personal tracking purposes only and do not constitute financial records, tax documents, or official statements.

10. Third-Party Content and Services

The App may display product information, store details, and pricing data sourced from third-party Stores participating in the Grocerwise platform. Iskana does not endorse any specific Store, product, or brand. We are not responsible for the accuracy of third-party product information.

11. Intellectual Property

11.1 App ownership

The App and its content — including design, features, software, and the name "Iskana" — are owned by Iskana and protected by Philippine and international intellectual property laws.

11.2 Your content

You retain ownership of content you create in the App, including your trip data and the names you give your trips. By submitting this content, you grant Iskana a limited license to store and process it solely to provide the App's features to you.

11.3 Restrictions

You may not copy, modify, distribute, sell, or create derivative works of the App or its content without our prior written consent.

12. Privacy

Your use of the App is governed by our Iskana Privacy Policy, available at iskana.app/privacy. We encourage you to read it carefully. By using the App, you consent to the collection and use of your information as described in the Privacy Policy.

13. Disclaimers

13.1 "As is" basis

The App is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the App, including its accuracy, reliability, or fitness for a particular purpose.

13.2 Pricing

Prices displayed in the App may not reflect actual store prices. The final price is always determined by the Store at the point of sale.

13.3 AI features

AI-generated content, including receipt readings, is provided for convenience only and may contain errors. We make no warranty regarding the accuracy of AI outputs.

13.4 Connectivity

Certain features require internet connectivity. We are not responsible for feature unavailability due to network conditions.

14. Limitation of Liability

To the maximum extent permitted by Philippine law:

• Iskana's total liability to you for any claims arising under or related to these Terms shall not exceed the total amount paid by you for the Pro Plan in the three (3) months preceding the claim, or One Thousand Pesos (₱1,000), whichever is greater.
• Iskana shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, lost savings, or any reliance on App content.
• Iskana is not liable for any difference between prices shown in the App and prices charged at checkout.

15. Indemnification

You agree to indemnify and hold harmless Iskana and its officers, employees, and agents from any claims, losses, or damages arising from: (a) your breach of these Terms; (b) your submission of false or fraudulent receipts; (c) your violation of applicable law; or (d) your misuse of the App.

16. Term and Termination

16.1 Term

These Terms apply from the date you first use the App until your Account is terminated.

16.2 Termination by you

You may delete your Account at any time in the App (Profile → Delete account) or at iskana.app/delete-account. Deletion is immediate and results in the permanent removal of your personal data, subject to our retention obligations under the Privacy Policy. Any remaining Points are forfeited upon Account deletion.

16.3 Termination by Iskana

We may suspend or terminate your Account if you violate these Terms, abuse the Points system, or engage in fraudulent activity. Accounts terminated for fraud forfeit all Points balances.

16.4 Effect of termination

Upon termination, your right to use the App ends. Provisions that by their nature should survive termination — including Sections 7, 11, 13, 14, and 15 — will survive.

17. Governing Law and Disputes

These Terms are governed by the laws of the Republic of the Philippines. Any dispute arising from these Terms shall first be attempted through good-faith negotiation. Unresolved disputes shall be submitted to the courts of competent jurisdiction in Cebu City, Philippines.

18. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes through the App or via email at least fourteen (14) days before they take effect. Continued use of the App after the effective date constitutes acceptance of the revised Terms.

19. Contact Us

Iskana Email: support@iskana.app Website: iskana.app

These Terms of Service were last updated on September 19, 2026. Version 1.0.