By downloading, installing, accessing, or using the AVI application (the "Application") operated by Soon Duan Zhi Benedict (the "Operator", "we", "us", or "our"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions ("Terms"), which constitute a legally binding agreement between you and the Operator. Your continued use following any modifications constitutes acceptance of the updated Terms. These Terms apply to all versions of the Application, including any updates or new features.
To use the Application, you must: be at least 18 years of age; be a resident of Singapore or use Singapore-issued credit or charge cards; have the legal capacity to enter into these Terms; not be prohibited from using the Application under any applicable law; and, if using it on behalf of an organisation, have authority to bind that entity. The Operator reserves the right to verify eligibility and to suspend or terminate your account if we have reason to believe you do not meet these requirements.
AVI is a personal finance management tool designed to help users track credit card spending, view estimated miles earned per card, set miles-earning goals, and monitor loyalty programme balances. The Application provides informational and organisational features only. The Application is local-first: it can be used entirely on your own device without creating an account. An account is required only if you choose to turn on Online Backup & Sync.
The Application is offered on a freemium basis: a Free Tier, and AVI Pro, which removes the Free Tier's limits on the number of cards and loyalty programmes you may track and unlocks additional analysis and recommendation features. The features included in each tier are as shown in the Application from time to time.
During the current beta, AVI Pro is provided free of charge. No subscription is sold and no payment is taken. The Operator intends to offer AVI Pro, or a successor paid tier, on a paid subscription basis in future. If it does, these Terms will be updated to state the plans, prices, billing cycle and cancellation terms before any charge is made, and no existing user will be charged without first agreeing to the updated Terms.
The Operator reserves the right to modify, limit, or discontinue any feature at any time with reasonable notice.
Tap to Track lets your device notice, on its own, when you have just made a card payment, and hand that one transaction to AVI — using an automation you set up yourself, through Apple's own Shortcuts app, on your own device, which reaches AVI through a link your device opens at the moment of payment. AVI does not access your bank accounts, your card issuer's systems, or Apple Wallet's transaction history to do this: it receives only the single transaction that link carries, at the moment it is sent, and nothing from before you set the automation up. Because the mechanism is a standard iOS link that, in principle, any app on your phone could use, AVI never records a transaction automatically — every arrival is shown to you and saved only when you confirm it.
Tap to Track is part of AVI Pro, which is provided free of charge during the beta (Section 3.3). Access to it will never be conditional on you granting AVI any data permission unrelated to Tap to Track: it does not require an account, and it does not require Online Backup & Sync.
The Application has no separate on/off switch for Tap to Track, and could not honestly offer one: the automation lives in your own phone's Shortcuts and Settings, which AVI cannot reach, modify, or delete. Tap to Track is running because you built that automation, and it stops when you remove it there. Removing it does not delete transactions you have already confirmed. See Section 4.5 for the accuracy of transactions captured this way, and the Privacy Policy, Section 2.10, for what data this involves and where it is kept.
What it would do. Screen Log would read a screenshot you provide — of a payment confirmation, a receipt, or your own banking app's transaction screen — and use it to fill in a transaction for you. AVI would extract and record only five fields from that image: the amount, the card used (its last four digits only, never the full card number), the date, the recipient, and the merchant name. Everything else visible in the image would be read only in order to locate those five fields and would never be written to any file, log, backup, retry queue, or crash report. This is described in full in the Privacy Policy, Sections 2.11 and 4.8. Screen Log would not use your device's camera.
The Application would not keep the image itself unless you say so. Keeping a copy of a receipt image would be off by default. If you turn on "Keep my receipt images" in the Application, you are agreeing to the storage described in the Privacy Policy, Section 4.8, and that in-app action is your consent for the purposes of this clause. You would be able to turn it off at any time, and you would be asked, case by case at the point of capture, whether to keep or discard each image. Where AVI's own check suggests an image may show something sensitive — for example what looks like a full card number or an identity-card number — you would be told before anything is kept, and offered the choice of retaking the screenshot instead.
You control what you screenshot. A bank or payment app's screen may show more than AVI reads — for example an account number or a balance. The Operator is not responsible for any consequence of a screenshot you choose to take, or for its contents beyond the five fields listed above. This does not limit the Operator's own obligations, as the holder of any image you choose to keep, to protect it, to retain it only for the period stated in the Privacy Policy, and to delete it on request, in accordance with the Personal Data Protection Act 2012.
Screen Log is intended to be part of AVI Pro, or its successor tier. Access to it will never be conditional on you granting AVI any data permission unrelated to Screen Log; in particular, choosing not to keep images will not withhold the feature.
Miles earn rates, bonus categories, earning caps, spending thresholds, promotional rates, foreign currency multipliers, and other card terms displayed are based on publicly available information sourced from time to time. Card terms change frequently and without notice. All miles displayed are estimates only and may differ materially from the miles actually credited by your card issuer.
Nothing in the Application — whether a card recommendation, miles optimisation suggestion, spending analysis, or any other feature — constitutes financial advice, investment advice, a recommendation to apply for or cancel any credit product, or legal or tax advice. Any recommendations are generated algorithmically and presented for illustrative purposes only.
Before making any financial decision based on the Application — including before applying for any credit card — you must independently verify all relevant information directly with your card issuer, bank, or a qualified financial adviser (current earn rates, caps, exclusions, fees, interest rates, eligibility, promotional terms, and miles expiry/redemption terms).
The Operator is not responsible for, and expressly disclaims all liability in connection with: any credit card application you submit; any approval or rejection by any card issuer; any fees, charges, or interest arising from any credit card you obtain; any negative impact on your credit score; or any financial loss, missed miles, or lost loyalty points arising from your reliance on information in the Application.
Where a transaction's amount, merchant, or matched card is read automatically — by your device's own automation for Tap to Track, or, if Screen Log is released, by automated text recognition from an image — it may occasionally be wrong: the wrong amount, the wrong merchant, or matched to the wrong card. Nothing captured this way is recorded automatically: it is shown to you first, and only saved to your transaction history once you confirm it. You are responsible for reviewing what you confirm, and for correcting or deleting it afterwards if you later find it wrong, in the same way you are responsible for transactions you enter yourself (Section 7).
Certain features use algorithms and automated logic to generate personalised outputs such as card recommendations, spending insights, and miles optimisation suggestions. You acknowledge that these outputs are provided for informational purposes only, may be inaccurate, incomplete, outdated, or unsuitable for your circumstances, and are not a substitute for independent financial advice. Any AI-powered features introduced in future are subject to the same disclaimers.
The Application may display links (e.g., "Apply Now") that direct you to the credit card issuer's own official website. It does not link to comparison or aggregator platforms. The Operator currently participates in no affiliate or referral programme and receives no commission, fee, or other consideration if you follow such a link and subsequently apply for a product. Should the Operator enter into any such arrangement in future, these Terms will be updated to disclose it before it takes effect; in no case will a commercial arrangement influence the Operator's card data, earn-rate calculations, or algorithmic logic — the Application does not rank or suppress cards on that basis. When you follow an apply link you leave the Application, and the Operator does not share your personal data with the card issuer as a result.
The Application relies primarily on data that you enter manually, and — only if you have set it up — on transactions captured through Tap to Track and confirmed by you (see Section 4.5 for their accuracy). You are solely responsible for the accuracy, completeness, and currency of all transaction data, card details, and loyalty balances held in the Application, however they were captured, and for ensuring that the cards and categories you configure reflect your actual holdings and spending. The Operator is not responsible for errors in the Application's outputs that arise from incorrect or outdated data entered or confirmed by you.
All intellectual property rights in and to the Application — including the software code, algorithms, user interface designs, graphics, text, the brand name "AVI", logo, and all Operator-created content — are owned by or licensed to the Operator and protected by Singapore copyright, trademark, and other applicable laws.
Subject to your compliance with these Terms, the Operator grants you a limited, non-exclusive, non-transferable, revocable licence to download and use the Application on your personal device solely for your personal, non-commercial use.
You may not copy, modify, translate, or create derivative works of the Application; reverse engineer, decompile, or attempt to derive its source code; sublicense, sell, or commercially exploit it; or remove any proprietary notices.
Card issuer names, bank names, loyalty programme names, and other third-party brands referenced in the Application are the property of their respective owners and are used solely for identification and informational purposes; such use does not imply endorsement or affiliation.
The card designs shown in the Application — their layout, colours and artwork — are original designs created by AVI. They are not the issuer's own card artwork, images, or designs, and AVI does not reproduce any bank's real card. Where a card design carries an issuer or loyalty programme's mark, that mark is either the owner's own logo, reproduced as its registered trademark, or the owner's name set in type by AVI; in both cases it is used solely to identify the product, and Section 8.4 applies to it.
You must not use the Application for any unlawful or prohibited purpose, including to: use any automated tool, script, bot, or scraper to access or extract data; attempt to gain unauthorised access to any part of the Application or its servers; transmit malware or harmful code; engage in fraud, money laundering, or identity theft; misrepresent your identity; interfere with the integrity or performance of the Application; or circumvent any access controls. The Operator may immediately suspend or terminate your account and take legal action for any prohibited use.
The Application does not currently sell anything. There is no in-app purchase, no subscription, and no billing of any kind, and no payment processor is engaged. AVI Pro is provided free of charge during the beta period.
If the Operator introduces a paid subscription in future, it will be sold exclusively through Apple Inc.'s App Store (iOS) or Google LLC's Google Play Store (Android); the Operator will not directly process, collect, or store any payment card information; and these Terms will be updated to set out the plans, prices, billing cycle, renewal terms, trial terms and refund position before any charge is made. Refunds would in any case be subject to the refund policy of the applicable App Store.
You may delete your account at any time through the Account settings within the Application. Upon deletion, your personal data will be deleted in accordance with our Privacy Policy, Section 7.1 — which also sets out, plainly, the two things that are handled separately and the limits that currently remain.
The Operator may, at its sole discretion and without prior notice, suspend or terminate your access and delete your account if you breach these Terms, engage in any prohibited use, provide false information, or where required by law, or if the Operator discontinues the Application. Where practicable, reasonable notice will be given except where immediate action is necessary.
Upon termination: your licence immediately terminates; you must cease all use of the Application; and provisions that by their nature should survive — including Sections 4, 8, 12, 13, and 14 — shall continue in full force and effect.
This Section contains critical limitations on the Operator's liability. Please read it carefully as it significantly affects your legal rights.
The Application is provided on an "as is" and "as available" basis. To the fullest extent permitted by Singapore law, the Operator disclaims all warranties, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or that the Application will be uninterrupted or error-free.
To the fullest extent permitted by Singapore law, the Operator shall not be liable for: any inaccuracy in miles calculations or card earn-rate information; any miles you fail to earn or loyalty points you lose through reliance on the Application; any financial loss arising from any credit application or product you obtain; any loss or corruption of data; any loss arising from interruption or termination of the Application; or any indirect, incidental, special, consequential, punitive, or exemplary loss.
To the fullest extent permitted by Singapore law, the Operator's total cumulative liability shall not exceed the lesser of: the total fees you have paid to the Operator in the twelve (12) months preceding the claim; or Singapore Dollars one hundred (SGD 100.00). No fees are charged today (Section 10), so for every current user that figure is SGD 0.
Nothing in these Terms excludes or restricts the Operator's liability for death or personal injury caused by gross negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under Singapore law, including rights under the Consumer Protection (Fair Trading) Act (Cap. 52A).
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Operator and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of or inability to use the Application; your breach of these Terms; any data you enter or transmit; any third-party claim arising from your use; your violation of any law; or your infringement of any third-party rights.
These Terms and any dispute arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law provisions.
You irrevocably submit to the exclusive jurisdiction of the courts of the Republic of Singapore to settle any dispute or claim arising out of or in connection with these Terms.
Before initiating formal legal proceedings, you agree to first contact the Operator and attempt to resolve the dispute informally, in good faith, within 30 days of initial notification.
The Operator reserves the right to update, modify, or replace these Terms at any time. Where changes are material, at least fourteen (14) days' notice will be given prior to the changes taking effect, via an in-application notice, a push notification, or — if you have an account — an email to the address associated with it. Your continued use after the effective date constitutes acceptance of the updated Terms.
Entire Agreement: these Terms, together with the Privacy Policy, constitute the entire agreement between you and the Operator and supersede all prior agreements. Severability: if any provision is held invalid, it shall be modified to the minimum extent necessary or severed, and the remaining provisions continue in full force. Waiver: failure to enforce any right is not a waiver of it. Assignment: you may not assign your rights without the Operator's consent; the Operator may assign these Terms without restriction. Force Majeure: the Operator is not liable for failure or delay due to circumstances beyond its reasonable control. Language: these Terms are in English, which prevails over any translation.
Soon Duan Zhi Benedict
Operating as: AVI
Email: [email protected]
Singapore
We will endeavour to respond to all enquiries within five (5) business days.