帳單捕手 BillCatchBillCatch 帳單捕手 服務條款
最後更新日期：2026-10-27
生效日期：2026-10-27
1. 條款之適用與同意
1.1 本服務條款（以下稱「本條款」）由 瑋瑄科技有限公司（以下稱「本公司」或「我們」）訂定，適用於 BillCatch 帳單捕手 iOS 應用程式（以下稱「App」）、https://bill.apgo.tw 網站及相關服務（以下合稱「本服務」）。
1.2 本條款全文在您註冊或使用本服務前，即公開於 https://bill.apgo.tw/terms 及 App 內。您可以在同意前依自己需要的時間審閱全部內容；本公司不會以任何條款要求您拋棄審閱的權利。
1.3 您在 App 內主動勾選或點選同意（本公司不會預先替您勾選）並完成註冊時，本條款即成立。本條款以可完整查閱、儲存的電子方式提供，您可以隨時在上述網址查閱、儲存或列印。
1.4 本條款與 BillCatch 隱私權政策（https://bill.apgo.tw/privacy ，以下稱「隱私權政策」）共同構成您與本公司間關於本服務的約定。您與本公司個別磋商的約定與本條款牴觸時，以個別磋商的約定為準。
1.5 本條款依平等互惠原則訂定；條款內容如有疑義，應為有利於您的解釋。
1.6 本條款以繁體中文及英文提供，兩者如有歧異，以繁體中文版為準，但不影響第 1.5 條的適用。
2. 服務提供者
- 名稱：瑋瑄科技有限公司
- 統一編號：94071421
- 代表人：葉宸瑋
- 地址：新北市新莊區龍安路66之28號10樓
- 客服信箱：wadeyeh@apgo.com.tw
- 網站：https://bill.apgo.tw
3. 使用資格
3.1 您必須年滿 18 歲，才能註冊及使用本服務。本服務不針對未滿 18 歲者提供；本公司如發現持有未滿 18 歲者的資料，將立即刪除，並停止該帳號的使用。
3.2 您註冊時應提供真實、正確的資料，並以個人身分使用本服務。
3.3 您只能連結您本人所有、或您經合法授權管理的 Gmail 帳號，並只能匯入您本人或經合法授權的信用卡對帳單。
4. 服務內容
4.1 本服務協助您整理信用卡電子對帳單：
- 經您授權後，在您的 Gmail 中搜尋由本公司白名單內的台灣發卡機構寄送、含附件的對帳單郵件，並下載對帳單 PDF；
- 您也可以不連結 Gmail，改以手動上傳對帳單 PDF；
- 將對帳單解析為交易明細（交易日期、商店名稱、金額、卡號末四碼、帳單期間、繳款截止日等），並進行消費分類與統計；
- 在 App 內顯示每月支出、分類比例，以及各卡的應繳金額與繳款截止日。
4.2 本服務支援的發卡機構以 App 內及本網站公告者為準，本公司得增減。發卡機構變更對帳單格式、寄件地址或加密方式時，本服務可能暫時無法匯入或解析。
4.3 部分功能須依第 8 條另行取得您的同意後才能使用。
5. Gmail 授權與存取範圍
5.1 本服務透過 Google 官方 OAuth 授權機制，取得 Gmail 唯讀權限（gmail.readonly）。本公司不會取得、也不會要求您提供 Google 帳號密碼。
5.2 Google 授權畫面就此權限顯示的是 Google 統一提供的說明文字（例如 "View your email messages and settings"）。本服務實際只存取：寄件者屬於本公司維護之台灣發卡機構白名單、且含附件的郵件，以及該等郵件的郵件識別碼、寄件者、收件日期、主旨與信用卡電子對帳單 PDF 附件。首次連結時搜尋最近 18 個月內的郵件，之後只搜尋上次掃描後的新郵件。
5.3 本服務不會讀取、儲存或顯示白名單以外的任何郵件；不會存取您的聯絡人、草稿、標籤或設定；不會修改、封存、刪除、撰寫或寄送任何郵件；也不儲存郵件內文。
5.4 除經該帳號所有人合法授權外，您不得連結他人的 Gmail 帳號。
6. 中斷 Gmail 連結、匯出資料與刪除帳號
您可以隨時自行執行下列操作，無須說明理由，也無須支付任何費用：
6.1 中斷 Gmail 連結（設定 → 中斷 Gmail）：本公司會向 Google 撤銷授權，並立即刪除 Gmail refresh token；經由 Gmail 取得的對帳單 PDF、郵件識別資訊及解析後的交易資料，於中斷連結後 30 日內刪除。您也可以在 Google 帳號的第三方存取權頁面自行移除本服務的存取權。
6.2 匯出資料（設定 → 匯出）：取得解析後交易資料的 CSV 檔。
6.3 刪除帳號（設定 → 刪除帳號）：刪除您的全部資料，包含對帳單、交易、PDF 與 token。刪除後無法復原，如需保留請先匯出。
6.4 備份：依第 6.1 條或第 6.3 條刪除的資料，自刪除日起最多 30 日後自備份輪替中移除。
6.5 逐步操作說明請見 https://bill.apgo.tw/support 。其他資料請求請寄 wadeyeh@apgo.com.tw。
7. Google 使用者資料與 Limited Use
7.1 BillCatch 對於自 Google API 取得之資訊的使用，將遵守 Google API Services User Data Policy，包括其 Limited Use 規定；對於自 Google Workspace scopes 取得之資訊的使用，將遵守 Google User Data Policy，包括其 Limited Use 規定。（原文："BillCatch's use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements." / "The use of information received from Google Workspace scopes will adhere to the Google User Data Policy, including the Limited Use requirements."）
7.2 本公司不會將您的 Gmail 資料或其衍生資料用於廣告、不會販售、不會提供給資料仲介或廣告平台、不會用於信用評估或放貸，也不會用於建立、訓練或改進任何機器學習或人工智慧模型。Gmail 資料的使用、轉移與人員存取限制，詳見隱私權政策第 5 節。
7.3 客服人員如需查看您特定的對帳單或郵件，本公司會先取得您就該筆資料的明確同意並加以記錄（例如您在 App 內授權客服查看）；其他例外情形依隱私權政策第 5 節。
8. AI 解析與分類
8.1 本服務對部分對帳單的解析（例如辨識對帳單文字或影像）及商店名稱分類，會使用 Google LLC 提供的 Google Gemini API。本公司只會在您於 App 內另行明確同意後，才將對帳單內容送交 Google Gemini API；此項同意與第 5 條的 Gmail 授權各自獨立，並在首次送交前於 App 內取得。
8.2 您可以隨時在 App 設定中撤回同意，撤回後本公司停止送交新資料。Google Gemini API 對所收資料的處理方式，詳見隱私權政策第 7 節。
8.3 您未同意或撤回同意時，部分對帳單可能無法解析或無法自動分類。
8.4 AI 解析與自動分類的結果（包括金額、日期、商店名稱與分類）可能有誤，一律以發卡機構寄送的對帳單正本為準。
9. 服務性質與資訊僅供參考
9.1 本公司不是銀行或其他金融機構。本服務不提供理財、投資、稅務或法律建議，不提供信用評估或貸款推薦，不代您繳款，不經手、保管或移動您的任何資金，也不會登入或操作您的網路銀行。
9.2 本服務顯示的交易、分類、統計、應繳金額與繳款截止日，是依發卡機構寄送的對帳單自動整理而成，可能因對帳單未寄達您的 Gmail、郵件已被刪除、格式變更、檔案損毀、密碼錯誤或解析錯誤而不完整或不正確，僅供您個人整理與參考。
9.3 實際應繳金額、繳款截止日與交易內容，以發卡機構的對帳單正本或其官方管道為準；請您自行核對，並依發卡機構的規定按時繳款。
10. 費用
10.1 本服務目前免費提供。本公司不會在未經您同意的情況下向您收取任何費用。
10.2 本公司日後若推出付費功能，會在該功能生效前，於 App 內及本網站另行公告其內容、價格、計費週期、付款方式、續訂與取消方式，並在您購買前另行取得您的明確同意。您不同意時，本公司不會向您收費。
10.3 付費功能如屬通訊交易，您依消費者保護法第 19 條享有的解除權不受影響；本公司如依「通訊交易解除權合理例外情事適用準則」第 2 條排除該解除權，會在您購買前明確告知並取得您的事先同意。
10.4 經由 Apple App Store 購買者，付款與退款程序依 Apple 的規定辦理，但不影響您依中華民國法律享有的權利。
11. 帳號安全
11.1 請妥善保管您的裝置、Apple 帳號、Google 帳號與本服務帳號；您不得將帳號轉讓、出借或提供他人使用。
11.2 本服務不會要求您提供 Google 帳號密碼或網路銀行登入密碼。如發現帳號遭他人使用或有安全疑慮，請立即通知 wadeyeh@apgo.com.tw，您也可以立即中斷 Gmail 連結。
12. 禁止行為
您使用本服務時，不得有下列行為：
- 冒用他人身分，或未經授權連結他人的 Gmail 帳號、匯入他人的對帳單；
- 對 App 或本服務進行反向工程、反編譯、反組譯，或以其他方式試圖取得原始碼，但法律明文允許者不在此限；
- 以自動化程式、爬蟲或其他方式大量存取本服務，或對本服務造成不合理的負荷或干擾；
- 規避或試圖規避本服務的安全機制、存取控制或使用限制，或試圖存取其他使用者的資料；
- 上傳含惡意程式碼的檔案，或散布惡意程式；
- 將本服務轉售、出租，或以本服務為他人提供代記帳等商業服務；
- 其他違反法令、侵害他人權利，或違反 Google、Apple 等第三方服務條款的行為。
13. 暫停與終止
13.1 您可以隨時停止使用本服務，並依第 6.3 條刪除帳號以終止本條款，無須說明理由，也無須負擔任何費用或違約金。
13.2 您有下列情形之一時，本公司得暫停或終止您的帳號：
- 違反第 3 條、第 12 條或本條款其他重要約定，經本公司通知後未於合理期間內改正；
- 法院或主管機關依法要求；
- 您的帳號有遭盜用之虞，或您的使用行為對本服務或其他使用者的安全造成立即危害。
13.3 除前項第 2、3 款的緊急情形外，本公司會事先以電子郵件或 App 內通知告知您理由，並給您陳述意見的機會；緊急情形則於處理後儘速通知。
13.4 本公司終止您的帳號時，會比照第 6.3 條及第 6.4 條處理您的資料；除法令禁止或有前項緊急情形外，本公司會在刪除前給您合理期間匯出資料。
14. 隱私與個人資料
14.1 本公司蒐集、處理及利用您個人資料的方式，包括資料類別、目的、儲存地點、保存期間、受委託處理者及您的權利，依隱私權政策辦理，本條款不另重述。本條款與隱私權政策就個人資料事項有不一致時，以隱私權政策為準。
14.2 依個人資料保護法第 3 條，您就您的個人資料得行使下列權利，且不得預先拋棄或以特約限制：查詢或請求閱覽、請求製給複製本、請求補充或更正、請求停止蒐集／處理／利用、請求刪除。本條款任何約定均不得解釋為限制上述權利。行使方式與處理期限，見隱私權政策第 8 節。
15. 智慧財產權
15.1 App、網站、軟體、介面設計，以及 BillCatch、帳單捕手名稱與標誌，其智慧財產權屬本公司或其授權人所有。本公司授予您個人、非專屬、不可轉讓、不可再授權的有限授權，於本條款有效期間內，在您擁有或控制的 Apple 品牌裝置上，依 Apple Media Services 條款的使用規則使用 App。
15.2 您的對帳單、交易資料及其他您提供的資料，權利仍屬於您。您授權本公司僅在提供或改進本服務中您可見之功能所必要的範圍內，依本條款及隱私權政策處理該等資料；本公司不因本條款取得其他權利。
15.3 Google 與 Gmail 為 Google LLC 的商標；Apple、App Store 與 iPhone 為 Apple Inc. 的商標。
16. 第三方服務
16.1 本服務的提供涉及下列第三方服務：
- Google LLC：Gmail API 與 Google 帳號授權；Google Gemini API（經您依第 8 條同意後的對帳單解析與分類）；
- Apple Inc.：App Store 發佈與當機回報；
- Supabase、Railway：雲端主機、資料庫、檔案儲存與身分驗證等基礎設施。
各受委託處理者的用途、處理地區與相關說明，以隱私權政策第 7 節為準。
16.2 您使用本服務時，應同時遵守您與上述第三方間的條款（例如 Google 服務條款、Apple Media Services 條款）。
16.3 第三方服務中斷、變更或終止，可能使本服務全部或一部無法提供；本公司會儘速通知並盡合理努力恢復，但對非可歸責於本公司的事由所生損害，不負賠償責任。
17. Apple App Store 補充條款
您透過 Apple App Store 取得 App 時，另適用下列約定：
17.1 本條款僅存在於您與本公司之間，而非您與 Apple 之間；App 及其內容由本公司單獨負責。
17.2 App 的維護與支援由本公司單獨負責；Apple 對 App 沒有提供任何維護或支援服務的義務。
17.3 App 不符合任何適用之擔保時，您可以通知 Apple，由 Apple 退還您購買 App 的價款（如有）；在法律允許的最大範圍內，Apple 對 App 不負其他擔保義務，其他因不符擔保所生的請求、損失、責任、損害與費用，由本公司依法負責。
17.4 您或第三人與 App 或與您持有、使用 App 有關的請求，包括產品責任、App 不符合法令規範，以及依消費者保護、隱私或類似法令所生的請求，由本公司而非 Apple 負責處理。
17.5 第三人主張 App 或您持有、使用 App 侵害其智慧財產權時，由本公司而非 Apple 負責調查、防禦、和解及處理。
17.6 您聲明並保證：您不位於受美國政府禁運、或被美國政府指定為「支持恐怖主義」的國家，且未列於任何美國政府禁止或限制交易對象名單。
17.7 Apple 及其子公司為本條款的第三人受益人；您同意本條款後，Apple 有權（並視為已接受此權利）以第三人受益人身分對您執行本條款。
17.8 本條所述不得解釋為限制本公司依法對您應負的責任。
18. 服務之變更、中斷與終止營運
18.1 本公司得為改善本服務而調整功能。涉及擴大 Gmail 存取範圍、新增資料用途或新增第三方處理者時，依第 21 條及隱私權政策辦理。
18.2 本公司以符合當時科技及專業水準可合理期待的方式提供本服務，但因系統維護、升級或第 20 條的事由，本服務可能暫時中斷；計畫性維護會儘可能事先於 App 內公告。
18.3 本公司如決定終止營運本服務，會在終止日至少 30 日前於 App 內及本網站公告；您可以在終止日前匯出資料，本公司並於終止後依第 6.3 條及第 6.4 條刪除您的資料。
19. 責任範圍
19.1 本服務顯示的資訊依第 9 條僅供參考。在法律允許的範圍內，您未依發卡機構對帳單正本核對或繳款，或僅依本服務顯示的資訊作成決定，因此發生的損害（例如遲延利息、違約金或信用紀錄影響），本公司不負賠償責任；但因本公司的故意或重大過失所致者，不在此限。
19.2 本條款任何約定，均不排除或限制本公司依法不得預先免除或限制的責任，包括故意或重大過失的責任、消費者保護法所定提供服務的安全責任，以及違反個人資料保護法致您權利受侵害時的損害賠償責任。
19.3 您違反本條款或法令，致本公司或第三人受有損害時，應依法負賠償責任。
20. 不可抗力
因天災、戰爭、恐怖攻擊、疫情、政府行為、大規模停電或公眾電信網路中斷，或其他不可歸責於本公司的事由，致本服務無法提供或遲延時，本公司在該事由持續期間免除相應的履行義務，並會儘速通知您、盡合理努力恢復服務。但本公司對該事由的發生或損害的擴大有故意或過失時，不在此限。
21. 條款之變更
21.1 本公司修改本條款時，會更新本頁的「最後更新日期」，並保存歷次版本供您查閱。
21.2 重大變更（例如擴大 Gmail 存取範圍、新增資料用途或第三方處理者、新增收費、限制您的權利或加重您的義務），會在生效日至少 30 日前於 App 內通知您，並於生效時在 App 內請您再次同意。在您再次同意前，本公司不會對您的資料適用新增的用途，也不會向您收費，但得暫停提供受該變更影響的功能。您不同意時，可以依第 6.3 條刪除帳號，無須負擔任何費用。
21.3 非重大變更（例如文字修正、聯絡資訊更新），自公告於本頁時生效。
22. 通知與權利義務之移轉
22.1 本公司對您的通知，以 App 內通知或寄送至您註冊電子郵件的方式為之。
22.2 您不得將本條款下的權利義務轉讓給他人。本公司如因合併、收購或營業讓與而移轉本條款下的權利義務，您透過 Gmail 授權提供的資料及其衍生資料不在移轉範圍內；本公司會事先通知您，您可以依第 6.3 條刪除帳號。
23. 可分割性
本條款任何約定全部或一部無效，或不構成契約內容時，除去該部分後契約仍可成立者，其他約定繼續有效；但依消費者保護法第 16 條但書，對當事人之一方顯失公平者，不在此限。
24. 準據法與管轄法院
24.1 本條款的成立、效力、解釋與履行，以及您與本公司間因本服務所生的爭議，均以中華民國法律為準據法。
24.2 因本條款或本服務涉訟時，雙方同意以臺灣新北地方法院為第一審管轄法院。但法律有專屬管轄規定者，從其規定；本項約定亦不排除您依消費者保護法第 47 條（消費訴訟得由消費關係發生地之法院管轄）、民事訴訟法第 28 條第 2 項（聲請移送於其管轄法院）、第 436 條之 9（小額事件不適用定型化契約之合意管轄）及其他法律規定，向其他有管轄權的法院起訴或聲請移送的權利。
25. 申訴與聯絡方式
25.1 對本服務有任何疑問、申訴或資料請求，請寄 wadeyeh@apgo.com.tw，或以書面寄至「新北市新莊區龍安路66之28號10樓 瑋瑄科技有限公司」。本公司會在收到申訴之日起 15 日內妥適處理。
25.2 您也可以依消費者保護法第 43 條，向消費者保護團體、消費者服務中心或其分中心申訴；未獲妥適處理時，得向直轄市、縣（市）政府消費者保護官申訴。
25.3 個人資料請求的處理期限，依隱私權政策第 8 節。
BillCatch Terms of Service
Last updated: 2026-10-27
Effective date: 2026-10-27
1. Scope and acceptance
1.1 These Terms of Service ("Terms") are issued by 瑋瑄科技有限公司 (Wei Xuan Technology Co., Ltd.) ("we", "us") and apply to the BillCatch iOS app (the "App"), the website at https://bill.apgo.tw, and related services (together, the "Service").
1.2 The full text of these Terms is published at https://bill.apgo.tw/terms and in the App before you register for or use the Service. You may review all of it for as long as you need before agreeing; no provision of these Terms asks you to waive your right to review them.
1.3 These Terms take effect when you actively tick or tap to agree in the App (we never pre-tick it for you) and complete registration. These Terms are provided electronically in a form you can read in full and save, and you can view, save or print them at the address above at any time.
1.4 These Terms and the BillCatch Privacy Policy (https://bill.apgo.tw/privacy, the "Privacy Policy") together form the agreement between you and us about the Service. Where a term you have individually negotiated with us conflicts with these Terms, the individually negotiated term prevails.
1.5 These Terms are made on the principle of equality and reciprocity, and any ambiguity is to be interpreted in your favour.
1.6 These Terms are provided in Traditional Chinese and English. If the two versions differ, the Traditional Chinese version prevails, without prejudice to Section 1.5.
2. Service provider
- Name: 瑋瑄科技有限公司 (Wei Xuan Technology Co., Ltd.)
- Taiwan business registration no.: 94071421
- Representative: 葉宸瑋
- Address: 10F., No. 66-28, Long'an Rd., Xinzhuang Dist., New Taipei City, Taiwan (新北市新莊區龍安路66之28號10樓)
- Support email: wadeyeh@apgo.com.tw
- Website: https://bill.apgo.tw
3. Eligibility
3.1 You must be at least 18 years old to register for and use the Service. The Service is not directed to persons under 18; if we learn that we hold data of a person under 18, we delete it immediately and stop that account from being used.
3.2 You must give true and accurate information when you register, and use the Service as an individual.
3.3 You may only connect a Gmail account that you own or are lawfully authorized to manage, and only import credit-card statements that are your own or that you are lawfully authorized to import.
4. The Service
4.1 The Service helps you organize your credit-card e-statements:
- after you authorize it, it searches your Gmail for statement emails that carry an attachment and are sent by Taiwanese card issuers on our allowlist, and downloads the statement PDF;
- you can instead upload statement PDFs manually without connecting Gmail;
- it parses statements into transactions (transaction date, merchant string, amount, last four digits of the card, statement period, due date, etc.), and categorizes and totals them;
- it shows your monthly spending, category breakdown, and the amount due and due date for each card in the App.
4.2 Supported card issuers are those announced in the App and on this website, and we may add or remove issuers. If an issuer changes its statement format, sender address or encryption, the Service may temporarily be unable to import or parse its statements.
4.3 Some features can be used only after you give separate consent under Section 8.
5. Gmail authorization and scope of access
5.1 The Service obtains the read-only Gmail scope (gmail.readonly) through Google's official OAuth authorization. We never obtain, and never ask for, your Google account password.
5.2 The wording Google shows on its consent screen for this scope is Google's standard description (for example "View your email messages and settings"). The Service actually accesses only emails that carry an attachment and whose sender is on our allowlist of Taiwanese card issuers, and for those emails only the message ID, sender, received date, subject and the credit-card e-statement PDF attachment. On the first connection it searches the last 18 months; after that it searches only for new emails since the previous scan.
5.3 The Service does not read, store or display any email outside that allowlist; does not access your contacts, drafts, labels or settings; never modifies, archives, deletes, composes or sends email; and does not store the body text of your emails.
5.4 You must not connect another person's Gmail account unless its owner has lawfully authorized you to do so.
6. Disconnecting Gmail, exporting data and deleting your account
You can do any of the following yourself at any time, without giving a reason and free of charge:
6.1 Disconnect Gmail (Settings → Disconnect Gmail): we revoke the grant with Google and delete the Gmail refresh token immediately; statement PDFs, message identifiers and parsed transactions obtained through Gmail are deleted within 30 days after disconnection. You can also remove the Service's access yourself from your Google Account's third-party access page.
6.2 Export (Settings → Export): download your parsed transactions as a CSV file.
6.3 Delete account (Settings → Delete account): erase all of your data, including statements, transactions, PDFs and tokens. Deletion cannot be undone, so export first if you want to keep a copy.
6.4 Backups: data deleted under Section 6.1 or 6.3 is removed from backup rotation within 30 days after deletion.
6.5 Step-by-step instructions are available at https://bill.apgo.tw/support. For other data requests write to wadeyeh@apgo.com.tw.
7. Google user data and Limited Use
7.1 BillCatch's use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements. The use of information received from Google Workspace scopes will adhere to the Google User Data Policy, including the Limited Use requirements.
7.2 We do not use your Gmail data or data derived from it for advertising, do not sell it, do not transfer it to data brokers or ad platforms, do not use it to assess creditworthiness or for lending, and do not use it to create, train or improve any machine-learning or artificial-intelligence model. Limits on the use and transfer of, and human access to, Gmail data are set out in Section 5 of the Privacy Policy.
7.3 If our support staff need to view a specific statement or email of yours, we first obtain, and record, your explicit consent for that specific item (for example when you authorize support in the App to view a statement); other exceptions are set out in Section 5 of the Privacy Policy.
8. AI parsing and categorization
8.1 For some statements, parsing (for example reading statement text or images) and merchant categorization use the Google Gemini API provided by Google LLC. We send statement content to the Google Gemini API only after you give separate, explicit consent in the App. That consent is independent of the Gmail authorization in Section 5 and is obtained in the App before the first transfer.
8.2 You can withdraw that consent in Settings at any time, after which we stop sending new data. How the Google Gemini API handles the data it receives is described in Section 7 of the Privacy Policy.
8.3 If you do not consent, or withdraw consent, some statements may not be parsed or automatically categorized.
8.4 Results of AI parsing and automatic categorization (including amounts, dates, merchant strings and categories) may be wrong; the original statement issued by your card issuer always prevails.
9. Nature of the Service; information for reference only
9.1 We are not a bank or other financial institution. The Service does not provide financial, investment, tax or legal advice, does not assess creditworthiness or recommend loans, does not pay bills on your behalf, does not handle, hold or move any of your money, and never logs in to or operates your online banking.
9.2 The transactions, categories, totals, amounts due and due dates shown in the Service are compiled automatically from the statements your card issuers send. They may be incomplete or wrong if a statement never reached your Gmail, the email was deleted, the format changed, the file is corrupted, the password is wrong, or parsing failed. They are for your personal organization and reference only.
9.3 The actual amount due, due date and transaction details are those in your card issuer's original statement or official channels. Please check them yourself and pay on time according to your issuer's rules.
10. Fees
10.1 The Service is currently free. We will not charge you anything without your consent.
10.2 If we introduce paid features, we will announce their content, price, billing period, payment method, and renewal and cancellation terms in the App and on this website before they take effect, and will obtain your separate, explicit consent before you buy. If you do not agree, we will not charge you.
10.3 If a paid feature is a distance transaction, your right of rescission under Article 19 of the Consumer Protection Act is unaffected; if we rely on Article 2 of the Regulations on Reasonable Matters as Exceptions to Rescind the Distance Sales to exclude that right, we will tell you clearly and obtain your prior consent before you buy.
10.4 For purchases made through the Apple App Store, payment and refunds follow Apple's rules, without prejudice to your rights under the laws of the Republic of China (Taiwan).
11. Account security
11.1 Keep your device, Apple account, Google account and Service account secure. You must not transfer or lend your account, or let anyone else use it.
11.2 The Service never asks for your Google account password or your online-banking login password. If you suspect someone else is using your account, or there is a security concern, tell us at wadeyeh@apgo.com.tw right away; you can also disconnect Gmail immediately.
12. Prohibited conduct
When using the Service you must not:
- impersonate anyone, or connect another person's Gmail account or import another person's statements without authorization;
- reverse engineer, decompile or disassemble the App or the Service, or otherwise try to obtain its source code, except where the law expressly permits it;
- access the Service in bulk through automated programs, scrapers or other means, or place an unreasonable load on or interfere with the Service;
- circumvent or attempt to circumvent the Service's security mechanisms, access controls or usage limits, or attempt to access other users' data;
- upload files containing malicious code, or distribute malware;
- resell or rent the Service, or use it to provide bookkeeping or other commercial services to others;
- otherwise break the law, infringe the rights of others, or breach the terms of third-party services such as Google or Apple.
13. Suspension and termination
13.1 You may stop using the Service at any time and end these Terms by deleting your account under Section 6.3, without giving a reason and without any fee or penalty.
13.2 We may suspend or terminate your account if:
- you breach Section 3, Section 12 or another material provision of these Terms and do not cure it within a reasonable period after we notify you;
- a court or competent authority lawfully requires it; or
- your account appears to have been compromised, or your use poses an immediate threat to the security of the Service or other users.
13.3 Except in the urgent situations in items 2 and 3 above, we will tell you the reason in advance by email or in-app notice and give you an opportunity to respond; in urgent situations we will notify you as soon as possible afterwards.
13.4 If we terminate your account, we handle your data in the same way as under Sections 6.3 and 6.4; unless prohibited by law or in an urgent situation described above, we will give you a reasonable period to export your data before it is deleted.
14. Privacy and personal data
14.1 How we collect, process and use your personal data, including the data categories, purposes, storage location, retention periods, processors and your rights, is governed by the Privacy Policy and is not repeated here. If these Terms and the Privacy Policy differ on any personal-data matter, the Privacy Policy prevails.
14.2 Under Article 3 of the Personal Data Protection Act you may, and cannot waive in advance or have limited by agreement the right to: inquire about or access your data; obtain a copy; supplement or correct it; demand that collection, processing or use cease; and demand deletion. Nothing in these Terms is to be read as limiting those rights. How to exercise them, and our response times, are set out in Section 8 of the Privacy Policy.
15. Intellectual property
15.1 The App, the website, the software, the interface design, and the BillCatch and 帳單捕手 names and logos are the intellectual property of us or our licensors. We grant you a personal, non-exclusive, non-transferable, non-sublicensable and limited license, while these Terms are in effect, to use the App on Apple-branded devices that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
15.2 Your statements, transactions and other data you provide remain yours. You authorize us to process them only to the extent necessary to provide or improve the user-facing features of the Service, in accordance with these Terms and the Privacy Policy; we acquire no other rights under these Terms.
15.3 Google and Gmail are trademarks of Google LLC; Apple, App Store and iPhone are trademarks of Apple Inc.
16. Third-party services
16.1 The Service relies on the following third-party services:
- Google LLC: the Gmail API and Google account authorization; the Google Gemini API (statement parsing and categorization after you consent under Section 8);
- Apple Inc.: App Store distribution and crash reporting;
- Supabase and Railway: infrastructure such as cloud hosting, database, file storage and authentication.
The purpose, processing region and other details for each processor are set out in Section 7 of the Privacy Policy.
16.2 When using the Service you must also comply with your agreements with those third parties (for example the Google Terms of Service and the Apple Media Services Terms and Conditions).
16.3 An outage, change or discontinuation of a third-party service may make all or part of the Service unavailable. We will notify you promptly and make reasonable efforts to restore the Service, but we are not liable for damage arising from causes not attributable to us.
17. Apple App Store terms
If you obtained the App through the Apple App Store, the following also applies:
17.1 These Terms are concluded between you and us only, not with Apple, and we, not Apple, are solely responsible for the App and its content.
17.2 We are solely responsible for providing maintenance and support for the App; Apple has no obligation at all to provide any maintenance or support services for the App.
17.3 If the App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the App to you (if any). To the maximum extent permitted by law, Apple has no other warranty obligation regarding the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are our responsibility to the extent required by law.
17.4 We, not Apple, are responsible for addressing any claims by you or any third party relating to the App or your possession or use of it, including product-liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, and claims under consumer-protection, privacy or similar laws.
17.5 If a third party claims that the App, or your possession or use of it, infringes that third party's intellectual property rights, we, not Apple, are solely responsible for investigating, defending, settling and discharging that claim.
17.6 You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
17.7 Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and once you accept these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
17.8 Nothing in this Section limits any liability we owe you under applicable law.
18. Changes to, interruption and discontinuation of the Service
18.1 We may adjust features to improve the Service. Any change that broadens Gmail access, adds a data use or adds a processor is handled under Section 21 and the Privacy Policy.
18.2 We provide the Service in the manner that can reasonably be expected under the technology and professional standards of the time, but the Service may be temporarily interrupted for maintenance, upgrades or the events in Section 20. Where possible we announce planned maintenance in the App in advance.
18.3 If we decide to discontinue the Service, we will announce it in the App and on this website at least 30 days before the discontinuation date. You may export your data before that date, and after discontinuation we delete your data under Sections 6.3 and 6.4.
19. Liability
19.1 Information shown in the Service is for reference only under Section 9. To the extent permitted by law, we are not liable for damage (for example late-payment interest, penalties or effects on your credit record) arising because you did not check against or pay according to your card issuer's original statement, or made a decision based solely on information shown in the Service, unless the damage was caused by our intentional misconduct or gross negligence.
19.2 Nothing in these Terms excludes or limits any liability that by law cannot be excluded or limited in advance, including liability for intentional misconduct or gross negligence, our service-safety liability under the Consumer Protection Act, and our liability for damages where a breach of the Personal Data Protection Act infringes your rights.
19.3 If you breach these Terms or the law and cause damage to us or a third party, you are liable under the law.
20. Force majeure
If the Service cannot be provided, or is delayed, because of natural disasters, war, terrorist attacks, epidemics, government action, large-scale power outages or public telecommunications network failures, or any other cause not attributable to us, we are released from the corresponding obligations while that cause continues, and we will notify you promptly and make reasonable efforts to restore the Service. This does not apply where we intentionally or negligently caused the event or the spread of the damage.
21. Changes to these Terms
21.1 When we change these Terms we update the "Last updated" date on this page and keep earlier versions available for you to view.
21.2 For material changes (for example broadening Gmail access, adding a data use or a processor, introducing fees, limiting your rights or increasing your obligations), we will notify you in the App at least 30 days before they take effect and ask you to agree again in the App when they take effect. Until you agree again, we will not apply any new use to your data and will not charge you, although we may suspend the features affected by the change. If you do not agree, you can delete your account under Section 6.3 free of charge.
21.3 Non-material changes (for example wording fixes or updated contact details) take effect when posted on this page.
22. Notices and assignment
22.1 We give notices to you in the App or by email to the address you registered with.
22.2 You may not transfer your rights or obligations under these Terms to anyone else. If our rights and obligations under these Terms are transferred as a result of a merger, acquisition or transfer of business, data you provided through your Gmail authorization and data derived from it are excluded from the transfer; we will notify you in advance, and you can delete your account under Section 6.3.
23. Severability
If any provision of these Terms is wholly or partly invalid, or does not form part of the contract, the remaining provisions stay in effect where the contract can stand without the affected part; however, under the proviso of Article 16 of the Consumer Protection Act, this does not apply where the result would be manifestly unfair to either party.
24. Governing law and jurisdiction
24.1 The formation, validity, interpretation and performance of these Terms, and any dispute between you and us arising from the Service, are governed by the laws of the Republic of China (Taiwan).
24.2 For any litigation arising from these Terms or the Service, the parties agree that the Taiwan New Taipei District Court is the court of first instance. Where the law provides for exclusive jurisdiction, that provision applies. This agreement does not exclude your right, under Article 47 of the Consumer Protection Act (consumer litigation may be brought in the court of the place where the consumer relationship arose), Article 28(2) of the Code of Civil Procedure (request for transfer to the competent court), Article 436-9 of the Code of Civil Procedure (jurisdiction agreements in standard terms do not apply to small-claims cases) or any other law, to sue in, or request transfer to, another competent court.
25. Complaints and contact
25.1 For any question, complaint or data request about the Service, write to wadeyeh@apgo.com.tw or send a letter to 瑋瑄科技有限公司, 10F., No. 66-28, Long'an Rd., Xinzhuang Dist., New Taipei City, Taiwan (新北市新莊區龍安路66之28號10樓). We will properly handle a complaint within 15 days of receiving it.
25.2 Under Article 43 of the Consumer Protection Act you may also complain to a consumer protection group, or to a consumer service center or its branch; if your complaint is not properly handled, you may complain to the consumer ombudsman of the special municipality or county (city) government.
25.3 Response times for personal-data requests are set out in Section 8 of the Privacy Policy.