Terms and Conditions

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Terms and Conditions


All advertisements accepted for publication by Group Expenses Light i”n any of its online products are accepted subject to these terms and conditions. Any other conditions proposed by the Customer shall be void unless accepted by Group Expenses Light in writing.

These terms and conditions comprise the agreement between Group Expenses Light and the Customer (“Agreement”).


3rd Party Ad Server means a third party providing advertising of the Advertiser’s products and services that are identical or similar to those that are subject to these Terms and Conditions;

Ads means advertising communicated to end users by electronic distribution systems;

Advertiser means the party whose products and/or services are to be advertised

Advertising Materials means advertising copy, including, without limitation, artwork, text and active URLs.

Affiliate means in respect of any person to whom the term Affiliate refers a company, corporation or partnership or other business entity (“entity”) which is directly or indirectly controlled by or under substantially common control with or controls (as the case may be) the person so referred to and for this purpose “control” means the power of an entity to secure (whether by the holding of shares, possession of voting rights or by virtue of any powers conferred by articles of association, constitution, partnership, agreement or other document regulating the entity in question) that the entity’s affairs are conducted in accordance with its wishes.

Agency means an advertising agency representing the Advertiser.Also known as Group Expenses Light

Campaign Period means the period of time during which the campaign is to be operative;

Customer means the party purchasing the right to advertise

Total Cost means the amount paid by user for his or her selected duration of ads

You may use our Services only as permitted by this Terms and any applicable laws


1.2. In each case, the following information should be visible to customer and taken as “as-is”:

(a) An approximate date that ad goes live.It is not guaranteed that your ad goes live on a given date.

(b) The price is set and visible at the time of purchase.

(c) Prices are tax included

(d) the start and the duration for which the ad is displayed

1.4 User agrees that any image and URL submitted to Group Expenses Light are subject to approval and if any one them are rejected, Group Expenses Light shall provide a reason.

1.5 User can upload a new photo or URL at at time but the new photo and URL are subject to approval BEFORE user can make any purchase

1.6 Photos and URL are visible to the owner of this app and the user who uploads them

1.7 Personal photos that do not solely represent your business, are rejected and removed.


2.1. Group Expenses Light will use reasonable endeavours to display the image uploaded by you during the selected period of time

2.2. Group Expenses Light takes no liability if your ad is not displayed for the entire purchased period or a portion of it.

2.3. Every ad is displayed towards the bottom of each page.

2.4. User agrees that he/she had a chance to see his/her image before purchasing.

2.5. User agrees that only ONE size image is supplied with a fixed width and height and the image may shrink or stretch when it is displayed on different phones.

2.6 Once your banner is live, the image is visible to all users of the app regardless of their physical loation


3.1. Payment is paid via In-App Purchase service operated by Apple

3.2. Group Expenses Light has no control and visibility over your information. This includes, credit card number, CVV, Your name and your credit card’s expiration date


4.1.Once the payment has gone through, you cannot ask Group Expenses Light for refund.

4.2. All payments are paid via in-app purchase network operated by Apple,Inc. You can request a refund direct from Apple, Inc.


5.1. The Customer shall submit Advertising Materials ONLY via Group Expenses Light iPhone application.

5.2. Advertising Materials are an image of customer’s choice and a URL to customer’s webpage.

5.3. Image and website:

(a) Not contain or represents Drug, Racism, Adult content, alcohol, violence, gun in an form or shapes

(b) Group Expenses Light reserves all rights to remove the ad before or during ad the agreed and paid number of days without any notice.

(c) Any removal as a result of is not eligible for refund in full or partial. 

5.3.1 Adult themes in family content

Not Contain material that appear to be appropriate for a general audience but contain adult themes, including sex, violence, vulgarity, or other distasteful depictions of children or popular children’s characters, that are unsuitable for a general audience.

5.3.2 Dangerous or derogatory content

Not contains content that:

Threatens or advocates for physical or mental harm on oneself or others;

Harasses, intimidates or bullies an individual or group of individuals;

Incites hatred against, promotes discrimination of, or disparages an individual or group on the basis of their race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or other characteristic that is associated with systemic discrimination or marginalization.

Examples include:

Threatening someone with real-life harm or calling for the attack of another person

Advocating suicide, anorexia, or other self-harm

Content that promotes or advocates for harmful health or medical claims or practices

Content that singles out someone for abuse or harassment

Content promoting, glorifying, or condoning violence against others on the basis of their race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or other characteristic that is associated with systemic discrimination or marginalization

Content that encourages others to believe that a person or group is inhuman, inferior, or worthy of being hated on the basis of their race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or other characteristic that is associated with systemic discrimination or marginalization

Content promoting hate groups or hate group paraphernalia.

Content that suggests a tragic event did not happen, or that victims or their families are actors, or complicit in a cover-up of the event.

Content made by or in support of terrorist groups or content that promotes terrorist acts, including recruitment, or that celebrates terrorist attacks

5.3.4 Recreational drugs and drug-related content

Group Expenses Light does not accept URL or image for pages that sell or promote recreational drugs and drug-related content including:

Promotion of substances that alter mental state for the purpose of recreation or otherwise induce “highs”. Examples:

Cocaine, crystal meth, heroin, marijuana, cocaine substitutes, mephedrone, “legal highs”

Products or services marketed as facilitating recreational drug use. Examples:

Pipes, bongs, cannabis coffee shops

Instructional content about producing, purchasing, or using recreational drugs. Examples:

Forums to exchange tips or recommendations on drug use

5.3.5 Alcohol-related content

Group Expenses Light does not accept any URL or image for

Online sale of alcoholic beverages.

Promotion of irresponsible alcohol consumption, including the favourable portrayal of excessive, binge, or competition drinking.

Additionally, publishers now have the opportunity to opt in to receiving alcohol ads through the category filtering feature. If you don’t wish to receive alcohol ads on your pages, no action is required on your part.

5.3.6 Tobacco-related content

Group Expenses Light does not accept any URL or image that promote tobacco and tobacco-related products, including cigarettes, cigars, tobacco pipes, and rolling papers.

5.3.7 Gambling and games-related content

Group Expenses Light does not accept any URL or image that promotes online, real-money gambling or any internet-based game where money or other items of value are paid or wagered in exchange for the opportunity to win real money or prizes based on the outcome of the game.

Examples include:

Online casinos or bookmakers

Online lottery ticket or scratch card purchase

Online sports betting

Aggregator or affiliate sites that promote online gambling pages

5.3.8 Healthcare-related content

To comply with local laws and regulations related to the promotion of healthcare and medicines, Group Expenses Light does not accept any URL or image that contain certain healthcare-related content including:

Online sale of prescription medication. Examples:

Sales of prescription drugs, even if through an affiliate program

Online pharmacies

Pages that primarily drive traffic to online drugstores/pharmacies

Sale of unapproved pharmaceuticals and supplements. Examples:

All items on this non-exhaustive list of prohibited pharmaceuticals and supplements (e.g., products that contain Ephedra)

Herbal and dietary supplements with active pharmaceutical or dangerous ingredients

Products with names that are confusingly similar to an unapproved pharmaceutical or supplement or controlled substance

5.3.9 Hacking and cracking content

Group Expenses Light does not accept any URL or image that promote any form of hacking or cracking. Hacking and cracking content is content that provides users with instructions or equipment that tampers with or provides unauthorized access to software, servers, or websites.

5.3.10 Pages that offer compensation programs

Group Expenses Light does not accept any URL or image that promise payment or incentives to users who click on ads, surf the web, read emails, or perform other similar tasks. Submitting an image and/or URL to such pages is prohibited. Similarly, Group Expenses Light does not accept any URL or image for pages that primarily drive traffic to, promote, or provide instructional materials on how to implement such services.

5.3.11 Misrepresentative content

Users don’t want to be misled by the content they engage with online. Group Expenses Light does not accept any URL or image that misrepresent, misstate, or conceal information about you, your content or the primary purpose of your web property.

5.3.12 Shocking content

Group Expenses Light does not accept any URL or image display shocking content. Examples include but are not limited to:

Content containing gruesome, graphic or disgusting accounts or imagery (e.g., blood, guts, gore, sexual fluids, human or animal waste, crime scene or accident photos)

Content depicting acts of violence (e.g., accounts or images of shootings, explosions, or bombings; execution videos; violent acts committed against animals)

Content with significant obscene or profane language (swear or curse words)

5.3.13 Weapon-related content

Group Expenses Light does not accept any URL or image contain the following weapons-related content:

Pages that promote the sale of firearms. This includes but is not limited to handguns, rifles, shotguns, hunting guns, functioning antique guns, airsoft guns, paintball guns, bb guns, and 3D printed guns;

Pages that promote the sale of a firearm-related part or component that is essential to, or enhances the functionality of a firearm. This includes but is not limited to 80% finished gun-parts, ammunition, ammunition clips, silencers, ammunition belts, stocks, conversion kits, gun-grips, scopes and sights;

Pages that provide instructions about the assembly, enhancement or acquisition of any firearms including parts or components thereof. This includes, but is not limited to firearm-making instructions, guides, software or equipment for 3D printing of guns or gun parts;

Pages that promote the sale of products that are designed to explode or could cause damage to nearby people or property. This includes but is not limited to explosives, nail bombs, chemical bombs, any fireworks that explode, firecrackers, and grenades;

Pages that contain instructional content about the assembly, enhancement or acquisition of explosive items;

Pages that promote the sale of other weapons that are designed to (in modern-day usage) injure an opponent in sport, self-defense, or combat. This includes but is not limited to the sale of throwing stars, brass knuckles, pepper spray;

Pages that promote the sale of knives designed to provide a confrontational advantage. This includes disguised appearance or assisted-opening mechanisms such as switchblades, fighting knives, sword-canes, balisongs, military knives, push daggers, throwing axes;

Pages that promote the use of weapons to inflict harm on others.

5.3.14 Group Expenses Light does not accept any URL or image that helps users to mislead others. Examples:

Content that promotes creating fake or false documents such as passports, diplomas, or accreditation;

Content that promotes creation of fake or false identities;

Sale or distribution of term papers, paper-writing or exam-taking services;

Information or products for passing drug tests;

Content that promotes fraudulent activity

Please note that these are examples and not intended to be complete or comprehensive.

5.13.15 Illegal content

Group Expenses Light does not accept any URL or image contains content that is illegal, promotes illegal activity, or infringes on the legal rights of others.

Counterfeit goods

Group Expenses Light does not accept any URL or image that offer for sale or promote the sale of counterfeit goods. Counterfeit goods contain a trademark or logo that is identical to or substantially indistinguishable from the trademark of another. They mimic the brand features of the product in an attempt to pass themselves off as a genuine product of the brand owner.

Underage, non-consensual, or illegal sex acts

Group Expenses Light absolutely prohibits monetization of content related to child sexual abuse imagery or pedophilia. Under United States federal law, child sexual abuse imagery is defined as visual depictions of minors (i.e., under 18) engaged in a sexual act such as intercourse, oral sex, or masturbation as well as the lascivious depictions of the genitals (covered or uncovered). This definition extends to photographs, videos, cartoons, drawings, paintings, and sculptures. The image can involve a real child; a computer-generated, morphed, composite or otherwise altered image that appears to be a child (think “Photoshop”). This also includes soliciting minors for sexual acts, which is also known as \”enticement.\”

Pedophilia is any content or behavior (images, texts, videos, etc.) that depicts, encourages, or promotes sexual attraction by adults toward minors (i.e., under 18).

5.4. Group Expenses Light will NOT alter the image submitted buy the customer

5.5. The parties will not use the other’s trade name, trademarks, logos or Ads in a public announcement (including, but not limited to, through any press release) regarding the existence or content of these Terms and Conditions without the other’s prior written approval.

5.6. You cannot advertise any service similar to what Group Expenses Light is doing in any form or shape on any platform. Similarity is determined by Group Expenses Light and cannot be disputed 


6.1. There is NO warrant provided by Group Expenses Light

(a) The Customer has taken or will take all necessary steps to ensure that all advertising it provides for display on the Group Expenses Light iPhone app and shall not be illegal or actionable for any reason in any country and in territory and shall comply with all applicable legislation, rules and regulations including for the avoidance of doubt any applicable advertising and/or relevant financial services standards and codes

(b) If any customer image or URL contains the name or pictorial representation (photographic or otherwise) of any living person and/or any part of any living person and/or copy by which any living person is or can be readily identified, customer must provide all information such that customer and/or the Advertiser has obtained the authority of such living person to make use of such name, representation and/or copy.

(c) The Advertising Image and the website contains no viruses or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information

(d) The Customer is solely responsible for fulfilling and dealing with any orders or enquiries relating to the goods, services or promotion to which the Advertising Copy relates and will indemnify and hold Group Expenses Light harmless accordingly.


7.1. The Customer will fully indemnify and keep Group Expenses Light and its directors, officers and employees fully indemnified against all actions, proceedings, costs (including legal fees), damages, expenses, fines, losses (including loss of profits) penalties, claims, demands and liabilities directly or indirectly suffered or incurred by Infopro (or its directors, officers or employees) howsoever arising from any breach of the Customer’s warranties, obligations or agreements contained herein.

7.2 If customer takes Group Expenses Light to court, all court expenses are paid by the customer and NOT Group Expenses Light

7.3. The Customer will provide Group Expenses Light with full co-operation in defending any claim or complaint concerning the Advertising Copy including, but not limited to, providing evidence in support of advertising claims and copies of documentation evidencing the clearance of relevant underlying third party proprietary rights.

7.4. The Customer acknowledges and confirms that Group Expenses Light has not provided it with any guarantees concerning reach of the site or target audience. Any statistics related to the site provided to the Customer are provided as an estimate based on prevailing available research only and may not be relied on by the Customer as a representation or otherwise.


8.1. Group Expenses Light shall not be liable to the Customer or the Advertiser, under or in connection with this Agreement, whether in contract, tort (including negligence) or otherwise, for any loss of profit, goodwill, business opportunity, anticipated saving or any type of special, indirect or consequential loss or damage.

8.2. Neither party’s liability to the other shall be excluded or limited by the provisions of this Agreement, save to the extent permitted by law in respect of:

(a) death or personal injury resulting from the negligence of itself, it’s servants or agents.

(b) fraud; or

(c) any other liability the exclusion of which is prohibited or limited by law,


9.1. The Customer may not resell, assign or transfer any of its rights or obligations hereunder.

9.2. In the event of any inconsistency between the these Terms and Conditions and customer’s Terms and Conditions, these Terms and Conditions shall prevail.

9.3. No modification of these Terms and Conditions or shall be binding unless in writing by both parties.

9.4. If any provision of these Terms and Conditions is held by a court of competent jurisdiction to be unenforceable, the remaining provisions shall remain in full force and effect.

9.4. All rights and remedies hereunder are cumulative.


Group Expenses Light reserves rights and responsibility to remove your ad without refund for any matter mentioned or not mentioned in above terms and conditions

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