Effective date: April 14, 2026
These Terms of Service ("Terms") govern your use of Lara, a WhatsApp-based expense tracking service operated by Johnny Nassar (sole proprietor) ("we," "us," or "our"). By using Lara, you agree to these Terms. If you do not agree, please discontinue use of the Service.
Lara is a personal expense tracking tool. You log expenses by sending messages via WhatsApp or Telegram — including text, voice notes, and receipt photos — and our AI-powered system categorizes, stores, and analyzes your spending data.
The Service includes:
Lara does not connect to bank accounts, does not hold or move money, does not process financial transactions (other than subscription payments via Stripe), and does not access any financial institution on your behalf. All expense data is manually entered by you.
IMPORTANT: Lara is an educational expense tracking tool. It is not a financial advisor, investment advisor, broker, bank, or any form of regulated financial institution.
Any insights, observations, summaries, or commentary generated by Lara — including Financial Health Scores, spending pattern analysis, and monthly reports — are provided for informational and educational purposes only. They do not constitute:
When the Service references financial concepts, strategies, or behaviors (e.g., "people at this income level typically explore index funds"), these are general educational statements, not personalized recommendations. You should consult a licensed financial advisor, accountant, or other qualified professional before making financial decisions.
We are not registered with, licensed by, or regulated by any financial regulatory authority in any jurisdiction.
Lara identifies you by your phone number. There is no traditional username/password account. Your phone number is hashed for identification and encrypted for outbound messaging — we never store raw phone numbers in our database.
You must be at least 16 years old to use Lara. By using the Service, you represent that you meet this age requirement.
| Plan | Price | Features |
|---|---|---|
| Free | $0 / month | Basic expense tracking, weekly summaries |
| Plus | $4.99 / month | Full reports, PDF/Excel exports, voice notes, receipt parsing |
| Pro | $9.99 / month | Everything in Plus, advanced analytics, priority support, custom period exports |
New users receive a 14-day free trial of Plus features. After the trial period, your account reverts to the Free tier unless you subscribe to a paid plan. No credit card is required for the trial.
If you are a consumer in the European Economic Area (EEA) or United Kingdom, you have a statutory 14-day right of withdrawal from the date of your first subscription payment. To exercise this right, contact us at support@larabot.co within 14 days of your first payment. We will issue a full refund within 14 days of receiving your withdrawal request. See our Refund Policy for full details.
You agree not to:
We reserve the right to suspend or terminate your access if we reasonably believe you are violating these rules.
You own your data. All expense entries, budgets, goals, and other personal financial data you input into Lara belong to you. We do not claim ownership of your data.
By using the Service, you grant us a limited, non-exclusive, revocable license to process, store, and analyze your data solely for the purpose of providing and improving the Service. This includes sending your expense text to AI models for categorization and report generation.
We may use anonymized, aggregated data (e.g., average spending by category across all users) to improve the Service or for internal research. This data cannot be traced back to you individually.
You can export your data at any time via PDF or Excel reports. We support your right to take your data elsewhere.
Lara uses artificial intelligence (Anthropic's Claude) to parse expenses, generate reports, and provide spending insights. You acknowledge that:
Lara is provided "as is" and "as available" without warranties of any kind, whether express or implied.
To the maximum extent permitted by applicable law:
We strive to keep Lara available 24/7, but we do not guarantee uninterrupted service. The Service may be temporarily unavailable due to:
We are not responsible for delays or failures in message delivery caused by WhatsApp, Telegram, or Twilio.
You can stop using Lara at any time. To permanently delete all your data, send "delete my data" to the bot. This action is immediate and irreversible — all your expenses, budgets, goals, summaries, and encrypted phone number will be permanently erased.
We may suspend or terminate your access to the Service if:
You agree to indemnify and hold harmless Lara, its operators, officers, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:
These Terms shall be governed by and construed in accordance with the laws of England and Wales.
For EU/UK consumers: Nothing in these Terms affects your statutory rights as a consumer under the laws of your country of residence. If you are an EU or UK consumer, you benefit from any mandatory provisions of the law of the country in which you reside, and nothing in these Terms takes away or limits your rights as a consumer under those laws.
Before filing any formal legal action, we encourage you to first attempt to resolve the dispute informally by contacting us at support@larabot.co. We will attempt to resolve the dispute within 30 days.
If you are a consumer in the EU or UK, you may bring proceedings in the courts of your country of residence. You may also use the European Commission's Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr.
For users outside the EU/UK, disputes shall be resolved by the courts of England and Wales, unless otherwise required by applicable law.
We may update these Terms from time to time. If we make material changes, we will notify active users via a WhatsApp message at least 14 days before the changes take effect. The "Effective date" at the top of this page indicates when these Terms were last revised.
Continued use of the Service after changes take effect constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must stop using the Service and may request deletion of your data.
If you have questions about these Terms, contact us at:
Email: legal@larabot.co
You may also use the support chat widget on our website.