Terms of
Service

1. Eligibility

You must be at least eighteen (18) years of age and competent to enter into a binding contract under applicable law to create an account or use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements. The Service is not intended for use by children or by any person on whose behalf you are not authorised to act.

2. Description of the Service

MoneyMind is a personal finance application that enables a user to record and categorise income, expense, and savings transactions, to set personal budgets, and to view derived statistics and insights based on the data the user has entered or imported. The Service optionally allows the user to connect a Gmail account in order to import transaction notifications from a defined list of bank and payment-app senders.

The Service is provided as a tool for personal record-keeping only. It is not a banking service, a payment service, an investment-advisory service, a tax-preparation service, or any other regulated financial service. We are not a bank, broker-dealer, investment adviser, or any other entity regulated by the Reserve Bank of India, the Securities and Exchange Board of India, or any other financial regulator.

3. Your account

To use the Service you must create an account using a valid email address. You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity that occurs through your account. You agree to notify us promptly at skv1226@gmail.com of any unauthorised access to or use of your account.

You agree to provide accurate information when creating your account and to keep that information current. We may suspend or terminate your account if we reasonably believe the information you have provided is false or misleading.

4. Acceptable use

When you use the Service, you agree that you will not:

• use the Service in any manner that violates any applicable law or regulation;
• access, attempt to access, or interfere with any account, data, system, or network other than your own;
• reverse-engineer, decompile, disassemble, or attempt to derive the source code of any part of the Service, except to the extent expressly permitted by applicable law;
• use any automated means to access the Service or to extract data from it, other than the user-facing import features the Service itself provides;
• upload, store, or transmit through the Service any content that is unlawful, infringing, fraudulent, defamatory, or that contains malicious code;
• impose an unreasonable or disproportionately large load on our infrastructure, attempt to disrupt the Service, or otherwise interfere with the experience of other users;
• resell, sublicense, or commercially exploit the Service or any portion of it without our prior written consent.

5. User data and ownership

You retain ownership of the transaction data, descriptions, and other content you record in or import into your account ("User Data"). By using the Service, you grant us a limited, non-exclusive, royalty-free licence to host, process, transmit, and display your User Data solely to the extent necessary to operate the Service for you, to perform our obligations under these Terms, and as described in our Privacy Policy.

You are solely responsible for the accuracy and lawfulness of the User Data and for keeping your own copies of any information you consider important.

6. Gmail integration

If you elect to connect a Gmail account, the integration is provided subject to Google's terms and to our Privacy Policy. You acknowledge that:

• parsing of bank and payment-app emails is a best-effort feature, and not every transaction notification will be detected or correctly parsed;
• imported entries are queued for your review and approval before they are added to your ledger;
• you may disconnect Gmail at any time from the application's Settings page, at which point we will revoke the grant with Google and delete the stored refresh token as described in the Privacy Policy;
• your use of Gmail and the Google APIs is governed by your agreements with Google.

7. Fees

The Service is currently provided to you free of charge. We reserve the right to introduce paid features or to change the pricing model in the future. If we do so, we will notify you in advance and you will be given the opportunity to discontinue use of the Service before any charges apply.

8. Intellectual property

The Service, including its software, design, text, graphics, logos, and the arrangement of all of the foregoing, is owned by us and is protected by applicable intellectual-property laws. Except for the limited right to use the Service in accordance with these Terms, no licence or right is granted to you in any of our intellectual property.

9. Disclaimer of warranties

The Service is provided on an "as is" and "as available" basis, without any warranty of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or uninterrupted operation.

Without limiting the foregoing, we do not warrant that the Service will be error-free, that every bank or payment-app email will be correctly parsed, or that the data displayed in the Service is a complete or authoritative record of your financial activity. The Service is intended as a personal record-keeping aid only and should not be relied upon for tax, legal, accounting, investment, or any other regulated purpose. You are responsible for verifying any information that materially affects your financial decisions.

10. Limitation of liability

To the maximum extent permitted by applicable law, in no event shall we, our officers, employees, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, business interruption, or any other intangible loss, arising out of or in connection with your use of, or inability to use, the Service, whether based on contract, tort, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

To the extent that liability cannot be excluded under applicable law, our aggregate liability to you in connection with the Service shall not exceed one thousand Indian Rupees (₹1,000) or the amount you have paid to us in the twelve months preceding the event giving rise to the liability, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless MoneyMind and its operators from and against any claim, demand, loss, liability, damage, cost, or expense (including reasonable legal fees) arising out of or related to: (a) your use of the Service in violation of these Terms or any applicable law; (b) any User Data you submit to the Service that infringes the rights of a third party; or (c) any unauthorised use of your account that results from your failure to maintain the confidentiality of your credentials.

12. Suspension and termination

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe that you have breached these Terms or that your continued use poses a risk to the Service, to other users, or to us. We may also discontinue the Service in whole or in part at any time, with reasonable prior notice where practicable.

You may stop using the Service at any time. To delete your account and have your personal data erased, send a request from your registered email address to skv1226@gmail.com with the subject line "Account deletion request". The process is described in our Privacy Policy. Termination does not relieve either party of obligations that by their nature survive termination, including provisions on intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

13. Changes to the Service or these Terms

We may modify the Service or these Terms from time to time. If we make material changes to these Terms, we will notify you by email to the address registered to your account, or by a notice within the application, before the changes take effect. The "Effective date" at the top of this page reflects the date of the most recent revision. Your continued use of the Service after the changes take effect constitutes acceptance of the revised Terms.

14. Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws provisions. Subject to Section 15, you and we irrevocably submit to the exclusive jurisdiction of the courts at Bengaluru, Karnataka, India for the resolution of any dispute arising out of or in connection with these Terms or the Service.

15. Dispute resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service, the parties shall first attempt to resolve the matter amicably through good-faith discussion. Any dispute that is not resolved through such discussion within thirty (30) days of written notice from one party to the other may be referred to the courts identified in Section 14.

16. Miscellaneous

These Terms, together with the Privacy Policy, constitute the entire agreement between you and us concerning the Service and supersede any prior agreement or understanding on the subject. If any provision of these Terms is held to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision. You may not assign or transfer these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets, with notice to you.

17. Contact

For any question regarding these Terms or the Service, please contact us at skv1226@gmail.com.