Terms & conditions
These terms govern your use of the Cracker Android application. By installing or using the app you accept them. If you do not accept them, do not use the app — and uninstalling it is all that is required to stop, since there is no account to close.
Version 1.0.0 · Effective 6 September 2026
1 · What the app is
Cracker is a personal, offline record-keeping tool for credit cards. It arranges and calculates over figures you enter and figures read from statement files you provide. It is not a banking service, not a payment service, not a financial product, and is not affiliated with, endorsed by or connected to any bank, card network or rewards programme.
It is offered as-is by an individual developer. There is no company behind it, no service operated on your behalf, and no server that holds anything of yours.
2 · Licence to use
You are granted a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you control, for your own record-keeping. You may not sell, rent, sub-licence or redistribute the app, and you may not reverse engineer, decompile or modify it except to the extent the law expressly permits regardless of this restriction.
All rights in the app — including its code, design, layout and artwork — remain with its creator. The Geist and Geist Mono typefaces are used under the SIL Open Font Licence 1.1; that licence, and the licences of the other open-source components bundled in the app, are viewable inside the app. Bank, card-network and rewards-programme names appearing in the app are the marks of their respective owners and are used only to identify statement formats and to label your own records.
3 · Your responsibilities
By using the app, you confirm and accept that:
- You are an adult, legally able to enter into these terms, and the cards and statements you record are yours or ones you are authorised to handle.
- The accuracy of everything in the app depends on what you put into it — card details, rates, caps, thresholds, categories, redemption values and corrections included.
- Keeping your data is your responsibility. Writing backups, remembering the passphrase that protects them, and storing them somewhere safe are yours to do. No copy exists anywhere else, and no passphrase can be recovered or reset by anyone.
- Any file you export, back up or share leaves the app's protection at that moment and is yours to secure.
- Securing the device itself — its screen lock, its biometrics, who can use it — is yours to do. The app's own locks are optional and off until you switch them on.
- You will comply with the law and with your bank's own terms when handling statements and card details.
4 · Not financial advice
Nothing in the app is financial, tax, credit or investment advice, or a recommendation to obtain, keep, use or close any card. Figures such as reward yield, realized point value, money left on the table, waiver forecasts, expiry runways, due dates and interest-free periods are estimates derived from your own inputs and may be wrong, incomplete or out of date.
Your bank's statement is the authoritative record of what you owe, what you earned and when it is due. Verify anything in the app against it before acting, and make payment decisions on your bank's information, not on this app's.
5 · No warranty
The app is provided “as is” and “as available”, without warranty or condition of any kind, whether express, implied or statutory — including any implied warranty of merchantability, fitness for a particular purpose, accuracy, non-infringement, or uninterrupted or error-free operation, to the fullest extent permitted by law.
It is not warranted that the app will be free of defects, that calculations or statement parsing will be accurate or complete, that reminders will be delivered, that statement formats will continue to be recognised as banks change them, that the app will remain compatible with future versions of Android, or that it will continue to be available or updated at all.
6 · No liability, and no responsibility assumed
The app and its creator accept no responsibility and no liability whatsoever, to the fullest extent permitted by law, for anything arising out of or connected with the app or your use of it. This includes, without limitation:
- loss, corruption, deletion or inaccessibility of any data, whether caused by the app, the device, an operating-system change, a failed restore, a forgotten passphrase, an erasure, an uninstall, or anything else;
- any incorrect, incomplete, misparsed or misleading figure, category, date or calculation;
- any missed or late payment, interest charge, late fee, penalty, credit-score effect, lapsed or forfeited reward, unwaived annual fee, or lost redemption value;
- any decision taken, or not taken, on the strength of anything shown in the app;
- any unauthorised access to your device or to data on it, or any disclosure of a file you exported, backed up or shared;
- any direct, indirect, incidental, special, consequential, exemplary or punitive damages, and any loss of profit, revenue, savings, goodwill or data.
You use the app entirely at your own risk. Where liability cannot be excluded by law, it is limited to the amount you paid for the app, which for most users is nothing.
7 · No support and no grievance officer
No support service is operated and no grievance officer or data protection officer is appointed. There is no obligation to provide help, fixes, updates, statement support for further banks, or a response to any request or complaint. The contact address praveen.dev.mys@gmail.com exists so that there is somewhere to write; writing to it creates no obligation and no undertaking to reply.
The app holds no data about you off your device — no account, no record, nothing to retrieve or investigate — so there is nothing that a support channel or grievance process could act on. Everything that can be done about your data is done by you, inside Settings. See the privacy policy and Help.
8 · Availability and changes
The app may be changed, updated, restricted or withdrawn at any time without notice, and features may be added or removed. Because the app cannot contact you, notice of a change to these terms is given by shipping an updated version with a new date, viewable here and inside the app under Settings → Terms & conditions. Continuing to use the app after a change means you accept the revised terms.
Your licence ends if you stop using the app or breach these terms. Sections 4 to 6 survive the end of the licence.
9 · Store terms
If you obtained the app through an application store, that store's own terms also apply to the download and to any transaction with it. The store is not a party to these terms and bears no responsibility for the app.
Donate offers a yearly subscription through Google Play. It is a voluntary contribution, not a purchase of anything: it buys no feature, licence, support or obligation of any kind, and the app is identical with or without it. It renews yearly until cancelled in Google Play, which is the only place it can be cancelled; the app cannot cancel it for you. Refunds are Google Play's to give under its refund policy, and the app has no way to issue one.
10 · Governing law and severability
These terms are governed by the laws of India, and the courts of India have exclusive jurisdiction over any dispute arising from them, subject to any mandatory consumer protection that applies where you live.
If any provision of these terms is found unenforceable, the rest continues in force, and that provision is limited to the minimum extent necessary rather than removed. Failure to enforce a provision is not a waiver of it. These terms, together with the privacy policy, are the entire agreement between you and the app's creator regarding the app.