Terms & Conditions

Terms of use.

These terms govern your use of Moneymz. By creating an account you agree to them. If you don't, please don't use the service.

1. Who you're contracting with

Moneymz is operated by [LEGAL ENTITY NAME], registered at [REGISTERED ADDRESS], [CIN / REGISTRATION NUMBER]. "We" and "us" mean that entity; "you" means the account holder.

2. What Moneymz is — and is not

Moneymz is a personal finance tracking tool. It helps you record, organise and understand your own financial transactions.

Moneymz is not a financial adviser, and nothing in it is financial, investment, tax or legal advice. We are not registered with SEBI, the RBI or any financial regulator, and we do not provide advisory, broking, lending, deposit-taking or payment services. Decisions about your money are yours, and you should take professional advice where it matters.

Moneymz does not connect to your bank, move money, make payments, or hold funds on your behalf.

3. Eligibility

You must be at least 18 years old and capable of entering a contract under the Indian Contract Act, 1872. Moneymz is intended for personal use by individuals resident in India.

4. Your account

You sign in using Google. You are responsible for the security of the Google account you use and for everything done through your Moneymz account. Tell us promptly if you believe your account has been accessed without your permission.

One account is for one person. Don't share credentials.

5. Your data and its accuracy

You keep ownership of everything you put into Moneymz. You give us permission to store and process it in order to provide the service, as described in the Privacy Policy.

You confirm that you have the right to upload the documents you provide, and that they relate to your own accounts.

Automated reading is not guaranteed to be correct. Statement formats vary, and transaction descriptions are often ambiguous. Moneymz shows you what it has read so you can check and correct it. You are responsible for reviewing what is saved. Do not rely on Moneymz figures for tax filing, loan applications, legal proceedings or any other purpose where accuracy matters, without checking them against your actual bank statements.

6. Acceptable use

Don't:

  • Upload documents belonging to someone else without their permission
  • Attempt to access another user's data
  • Probe, scan or test the security of the service, or interfere with its operation
  • Use automated means to extract data from the service
  • Use Moneymz for anything unlawful, including money laundering or concealing the proceeds of crime
  • Resell, sublicense or commercially redistribute the service

We may suspend or close accounts that breach these terms.

7. Free and paid plans

Moneymz is currently free to use. We intend to introduce paid plans. When we do:

  • Prices, inclusive of applicable taxes, will be shown before you pay.
  • Subscriptions renew automatically for the period you selected unless cancelled before the renewal date.
  • You may cancel at any time; access continues until the end of the paid period.
  • Refunds are governed by the Refunds & Cancellations Policy.

We may change prices with at least 30 days' notice. Changes will not affect a period you have already paid for.

Features available on free plans may change. We will not remove a feature from a plan you are paying for during a period you have paid for.

8. Availability

We work to keep Moneymz available, but we don't guarantee uninterrupted service. It may be unavailable for maintenance, or because a third-party service we depend on has failed. We are not liable for losses caused by unavailability.

9. Our intellectual property

The Moneymz name, the Muhr mark, the software, design and content of the service belong to us. You get a personal, non-exclusive, non-transferable right to use the service. Nothing here transfers ownership of anything to you.

10. Third-party services

Moneymz relies on third parties for hosting, authentication, AI processing and payments. Their failures may affect the service. Where we link to third-party sites, we are not responsible for their content or practices.

11. Liability

To the extent permitted by law, the service is provided "as is" without warranties of any kind. We are not liable for indirect or consequential loss, loss of profit, or loss arising from decisions you take based on information in Moneymz.

Where liability cannot be excluded, our total liability to you is limited to the greater of the amount you paid us in the 12 months before the claim, or [₹ AMOUNT].

12. Ending the agreement

You can stop using Moneymz at any time and delete all your data from Settings. We may suspend or close your account if you breach these terms, or with 30 days' notice if we discontinue the service. If we discontinue a paid service, we will refund the unused portion of your subscription.

13. Changes to these terms

We may update these terms. Material changes will be notified in the app before they take effect. Continuing to use Moneymz after that means you accept the updated terms.

14. Governing law

These terms are governed by the laws of India. The courts at [CITY] have exclusive jurisdiction over any dispute, subject to your rights under applicable consumer protection law.

15. Grievances

Grievance Officer: [FULL NAME], [grievance@moneymz.com]. We acknowledge complaints within 24 hours and resolve them within 15 days.

Last updated [DATE].