By accessing and using Odit ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
Odit is a personal finance tracking service that works by reading SMS messages from Ethiopian banking institutions on your Android device. The Service parses these messages to extract financial data such as transaction amounts, balances, fees, and sender/receiver information, and presents this data to you through a web dashboard.
To provide the Service, Odit reads SMS messages from your Android device and syncs them to our servers for processing. By using the Service, you explicitly consent to the transmission, storage, and processing of your SMS messages on our servers.
When you use the Odit Android app, the following data is collected from each synced SMS message and transmitted to our servers:
The scope of which messages are synced depends on the Privacy Mode you select (see Section 3.2 below). Only messages matching recognized Ethiopian banking institution patterns are processed for financial data extraction on our servers; however, in Permissive mode, non-banking messages may also be transmitted and stored.
Odit provides two privacy modes that control which SMS messages are read from your device and synced to our servers. You may choose your preferred mode in the app's Privacy Settings and change it at any time.
In Permissive mode, all SMS messages on your device are synced to our servers, regardless of the sender. This includes messages from banks, service providers, personal contacts, and any other source. This mode provides the most complete data for financial tracking, as it ensures no banking messages are accidentally missed due to unusual sender formats.
Note: Only messages from recognized banking addresses are processed for financial data extraction. Non-banking messages are stored but not parsed.
In Restrictive mode, messages from Ethiopian phone numbers are excluded from the sync. Specifically, messages from senders matching the following patterns are filtered out on-device and never transmitted to our servers:
This means only messages from non-personal sources — such as bank short codes, service alerts, and institutional senders — are synced. Personal messages between Ethiopian phone numbers are never transmitted in this mode.
If your device contains more than 20,000 SMS messages, Restrictive mode is automatically enforced and Permissive mode is permanently disabled for your device. This is to prevent excessive data transmission and server load.
Once messages reach our servers, only those from recognized Ethiopian banking institution addresses (e.g. Commercial Bank of Ethiopia, Dashen Bank, Bank of Abyssinia, Awash Bank, Zemen Bank, Telebirr) are parsed for financial data. The extracted data includes transaction type, amounts, fees, balances, currency, and sender/receiver identifiers. Both the raw message text and extracted data are stored on our servers.
To access the Service, you must create an account. You agree to:
Permission is granted to use the Service for personal, non-commercial financial tracking purposes. Under this license you may not:
You agree not to:
We reserve the right to modify or discontinue the Service (or any part thereof), temporarily or permanently, with or without notice. We shall not be liable for any modification, suspension, or discontinuance of the Service.
The Service is provided on an "as is" basis. We make no warranties, expressed or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. Odit is not a financial institution and does not provide financial advice. The extracted financial data is provided for informational purposes only and may contain inaccuracies due to variations in SMS message formats.
In no event shall Odit or its operators be liable for any damages (including damages for loss of data, profit, or due to business interruption) arising from the use or inability to use the Service, or from inaccuracies in extracted financial data.
Your use of the Service is also governed by our Privacy Policy, which details our data collection, processing, and storage practices, including how your SMS data is handled under each processing mode.
We reserve the right to revise these Terms at any time. When we make material changes, we will notify you through the Service and require you to re-accept the updated Terms before continuing to use the Service.
If you have any questions about these Terms of Service, please contact us through our support channels.