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Terms of Service

Last updated: May 22, 2026

1. Acceptance of Terms

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.

2. Description of Service

Odit is a personal finance tracking service. The Odit Android app reads SMS messages from your device — both in real time as new messages arrive and on a recurring background schedule — applies on-device filtering (see Section 3), and uploads the remaining messages to our servers. Messages from recognized Ethiopian banking and mobile-money institutions are then parsed server-side to extract transaction amounts, fees, balances, and sender/receiver information. The extracted data, along with analytics, charts, and account management tools, is presented to you through a web dashboard.

3. SMS Data Sync and Cloud Processing

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.

3.1 What Data Is Synced

Syncing happens automatically: a broadcast receiver uploads messages as they arrive on the device, and a background worker performs a catch-up sync on a recurring schedule (every hour by default) and at device boot. From each synced SMS message, the following data is collected and transmitted to our servers:

  • The full SMS message body;
  • The sender address (phone number or short code);
  • The contact name associated with the sender, if available;
  • The date and time the message was received;
  • Message metadata (message type, direction, read status, thread ID).

The Odit Android app applies on-device filtering before any SMS data leaves your phone (see Section 3.2). Of the messages that are synced, only those matching recognized Ethiopian banking institution patterns are processed for financial data extraction on our servers; other non-personal messages may be transmitted and stored but are not parsed.

3.2 SMS Filtering

The app syncs only messages from short codes and named (non-numeric) senders — typical of banks, service providers, and other institutional sources. Messages from Ethiopian personal phone numbers are always excluded on-device and never transmitted to our servers. Specifically, senders matching the following patterns are filtered out before upload:

  • Numbers starting with 09 or 07 (Ethiopian mobile prefixes);
  • Numbers starting with +251 (Ethiopia country code, including +25109 and +25107).

In addition, the app excludes the following on-device before any upload:

  • Drafts, outbox, failed, and queued messages — only delivered inbound and sent messages are eligible;
  • Group conversations — thread IDs with more than one recipient are excluded entirely;
  • Concatenated recipient blobs — digit-only sender fields longer than a valid international phone number, which some Android OEMs leak into the SMS table from group MMS.

Before each sync, you can preview the list of senders the app intends to upload and deselect any individual sender; deselected senders are also excluded from the upload. There are no other modes or settings that change the scope of what is synced.

3.3 Server-Side Processing

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.

4. User Account

To access the Service, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration;
  • Maintain and promptly update your account information;
  • Maintain the security of your account credentials;
  • Accept responsibility for all activities that occur under your account;
  • Notify us immediately of any unauthorized use of your account.

5. Account Deletion and 30-Day Grace Period

You can request account deletion at any time, from the Android app (Settings → Delete Account) or the web dashboard (Delete My Account).

Requesting deletion does not immediately erase your data. Instead, your account is scheduled for deletion and enters a 30-day grace period. The moment you request deletion:

  • You are signed out of every device and the web dashboard;
  • Your active sessions are invalidated and the account is unreachable from any client;
  • Your data remains intact on our servers but is not processed for new syncs.

Cancelling deletion: at any point during the 30 days, signing back in with the same credentials automatically cancels the pending deletion and restores your account. No support request, email, or special URL is required — the act of signing in is the cancellation.

After the 30 days: a daily scheduled job permanently removes the account row, every device owned by it, all synced SMS data (parsed messages, raw export batches, extracted financial data), wallets, participants, goals, recurring transactions, manual entries, categories, category rules, notifications, and authentication sessions. After the purge runs, the deletion cannot be reversed. See the Privacy Policy, Section 7, for the exact scope and for the handling of anonymous, scrubbed telemetry held by third-party log processors.

6. Use License

Permission is granted to use the Service for personal, non-commercial financial tracking purposes. Under this license you may not:

  • Modify, reverse engineer, or copy the Service's software;
  • Use the Service for any commercial purpose or public display;
  • Remove any copyright or proprietary notations;
  • Transfer access to another person or mirror the Service on another server;
  • Use the Service to collect or process data belonging to other individuals without their consent.

7. Prohibited Activities

You agree not to:

  • Use the Service for any illegal purpose or in violation of any applicable law;
  • Violate or infringe other people's intellectual property, privacy, or other legal rights;
  • Use the Service in any manner that could disable, overburden, or impair it;
  • Attempt to gain unauthorized access to the Service or related systems;
  • Sync SMS messages from devices you do not own or have authorization to access.

8. Service Modifications

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.

9. Disclaimer

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.

10. Limitations of Liability

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.

11. Privacy

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 filtered on-device and handled on our servers.

12. Changes to Terms

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.

13. Contact Information

If you have any questions about these Terms of Service, please contact us through our support channels.

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