The rules, in plain language

Terms of Service

These terms explain what you can expect from Panda Money and what we ask of you in return.

Last updated: October 5, 2026

Agreement

These Terms of Service ("Terms") are an agreement between you and Alto Tun Chit Oo (the "Service Provider", "we", "us", or "our") for the Panda Money mobile app, website, APIs, and related services (the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy, which explains how we handle your data. If you do not agree, please do not use the Service.

The Service

Panda Money is a personal finance tracker. It helps you record wallets, transactions, transfers, budgets, reminders, and bill splits, and shows statistics and insights about them. Panda Money is a record-keeping tool: it does not hold, move, or transfer money, it is not a bank or payment service, and it does not connect to your bank accounts. Balances in the app reflect what you record, not what your bank holds.

Your account

  • Give accurate information when you sign up, and keep your sign-in details, devices, and app lock PIN secure. You are responsible for activity on your account.
  • Only approve sign-in or connection requests that you started yourself, on a screen in front of you. We will never ask you for a sign-in code by phone, email, or chat.
  • An account is for one person. Children should use Panda Money with the involvement and consent of a parent or guardian where the law requires it.
  • Tell us promptly at contact@altotunchitoo.me if you believe your account has been accessed without permission.

Your data

The financial records and content you put into Panda Money belong to you. You give us permission to store, process, and display them only as needed to provide the Service to you, including features you choose to use such as Panda AI, shared bill-split links, and connected AI assistants. We do not sell your data. You can delete your account and its data at any time from Profile → Account details → Delete account.

Not financial advice

Statistics, Panda Health scores, insights, budgets, and anything an AI feature produces are for your information only. They are not financial, investment, tax, or legal advice. Make your own decisions, and check important figures against your bank or official records.

Panda AI and notification capture

  • Panda AI reads receipts, text, voice, statements, and bank notifications that you choose to give it, and suggests transactions. AI can make mistakes: review every suggestion before you save it. You are responsible for the records you save.
  • Some AI features cost Bamboo. The cost is shown in the app and charged only when a request succeeds.
  • Notification capture is optional, Android-only, and reads notifications only from the apps you choose. Learned templates are shared between users of the same bank or payment app, as described in the Privacy Policy.

AI assistant connectors

You may connect a third-party AI assistant, such as Anthropic's Claude or OpenAI's ChatGPT, to your account. When you do:

  • The connection is read-only: the assistant can read your Panda Money data but cannot add, change, or delete anything.
  • You are choosing to share that data with the assistant's provider. Their own terms and privacy policy apply to what they do with it, and we are not responsible for their services, their availability, or the answers their AI gives.
  • AI answers about your finances can be wrong or out of date. Check important figures in the app.
  • You can disconnect at any time in Account details → Devices. We may disconnect an assistant, or limit how often it can read data, to protect your account or the Service.

Bill splits and shared links

  • When you share a bill split, anyone with the link can see it, including the names you entered and the payment QR code of the wallet that paid. Only share links with the people involved, and only enter names they are comfortable with. You can revoke a link from the app.
  • Panda Money does not process payments. A person marking a share as paid is only telling you they paid; nothing is recorded until you confirm it, and checking that money actually arrived is up to you.
  • A bank-slip reference shown with a claim proves the slip's code is well formed. It does not prove that money moved, how much, or to whom.

Bamboo and purchases

  • Bamboo is an in-app reward used to unlock features, such as extra wallet, budget, reminder, or category slots, premium themes and fonts, and AI features. Bamboo has no cash value, cannot be exchanged for money, and cannot be transferred, sold, or moved between accounts.
  • You can earn Bamboo, for example by logging transactions or watching an optional rewarded ad, or buy Bamboo packs with real money. Earning limits apply.
  • Purchases are processed by Apple's App Store or Google Play under their terms. Except where the law or the store's own refund policy requires otherwise, purchases are final and Bamboo already spent is not refunded. Request refunds through the store you bought from.
  • We may change Bamboo prices, rewards, and what Bamboo unlocks. Unlocks you already bought stay unlocked for as long as the feature exists.
  • Bamboo obtained by fraud, abuse, or exploiting a bug may be removed.

Ads

The Service may show ads, including rewarded ads you can choose to watch to earn Bamboo. Watching ads is optional. Ad providers operate under their own policies, described in the Privacy Policy.

Acceptable use

Please don't:

  • use the Service for anything illegal, or to record or hide the proceeds of illegal activity;
  • access another person's account or data without their permission;
  • probe, scan, or test the Service for vulnerabilities, or bypass its security, rate limits, or Bamboo costs, except through responsible disclosure to contact@altotunchitoo.me;
  • overload the Service, or scrape or bulk-download data by automated means other than the official app and the AI assistant connectors we provide;
  • upload malware, or content that is abusive, infringing, or that you do not have the right to share;
  • use shared links or claims to deceive or harass people;
  • resell, sublicense, or reverse engineer the Service, except where the law allows it.

Availability and changes

We work to keep the Service running and your data safe, but we cannot promise it will always be available, error-free, or unchanged. We may add, change, or remove features, and we may need to pause the Service for maintenance or security reasons.

Ending your use

You can stop using the Service and delete your account at any time. Deleted accounts can be restored by signing in within 30 days; after that, the account and its data are permanently removed, as the Privacy Policy describes. We may suspend or close an account that seriously or repeatedly breaks these Terms, puts other users or the Service at risk, or where the law requires it. Where reasonable, we will tell you first.

Disclaimers

To the extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, including fitness for a particular purpose and accuracy of AI output. Nothing in these Terms limits rights you have under consumer protection laws that cannot be waived.

Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, or consequential losses, or for loss of profits or data, arising from your use of the Service, including decisions made using figures, insights, or AI answers. Our total liability for any claim relating to the Service is limited to the amount you paid us for the Service in the 12 months before the claim. These limits do not apply where the law does not allow them, such as for losses caused by our gross negligence or wilful misconduct.

Governing law

These Terms are governed by the laws of Thailand. If a dispute arises, please contact us first so we can try to resolve it. Any dispute that cannot be resolved informally will be handled by the competent courts of Thailand, unless the law of your country gives you the right to bring it where you live.

Changes to these terms

We may update these Terms from time to time. When we make material changes, we will post the new Terms with a new "Last updated" date and, where appropriate, let you know in the app. If you keep using the Service after the changes take effect, you accept the updated Terms.

Contact us

Questions about these Terms? Email us at contact@altotunchitoo.me.