Terms of Service

1. Acceptance

By creating an account, you ("user") agree to these Terms of Service. If you do not agree, do not use the service. The service is operated by Money Track (sole proprietorship) ("we", "us").

2. The service

Money Track is a personal finance tracking app that lets you record wallets, transactions, goals, budgets, khata, subscriptions, assets, and view reports. We provide it free of charge to everyone.

3. Account responsibilities

• You are responsible for keeping your password (and PIN, if you enable App Lock) secure.
• You agree to give us accurate, current information when signing up.
• You are responsible for the accuracy of finance data you enter — Money Track does not audit it.
• One person per account. Sharing logins is allowed, but each account is for a single user/family unit.

4. Cost

Money Track is free for every user. There are no plans, no trials, no paid tiers and no in-app purchases. We never ask for card or UPI details, and no feature is locked behind a payment.

5. Acceptable use

You will not:

• Use the service to launder money or commit financial crimes.
• Attempt to break in, reverse-engineer, or disrupt the service.
• Send malicious content or attempt account takeover of other users.
• Scrape or programmatically copy other users' data.
• Use Money Track for any unlawful purpose under Indian law.

Violations may result in account suspension or termination.

6. Your data

The finance data you enter belongs to you. We act as a custodian, not an owner. You can export everything as JSON from Settings → Backup at any time. See our Privacy Policy for how we handle it.

7. Service availability

We aim for high uptime but do not guarantee 100%. Scheduled maintenance, third-party outages (hosting, email), and force majeure can cause downtime. We are not liable for losses caused by transient unavailability.

8. Modifications to the service

We may add, change, or remove features over time. If we make a materially adverse change, we'll notify affected users by email at least 14 days in advance.

9. Limitation of liability

Money Track is a tracking tool, not a financial advisor. We make no guarantees about financial outcomes. The service is provided free of charge, and to the maximum extent permitted by law we accept no liability for any claim arising from your use of it.

10. Termination

You can delete your account at any time. We may suspend or terminate accounts that violate these terms, after a reasonable notice for non-critical violations and immediately for severe violations (fraud, abuse, illegal activity).

On termination, your data is deleted within 30 days, except where retention is required by law.

11. Indemnification

You agree to indemnify us against claims arising from your misuse of the service, violation of these terms, or violation of any third party's rights.

12. Governing law and jurisdiction

These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of the courts at Bengaluru, Karnataka.

13. Changes to these terms

We may update these terms occasionally. Material changes will be announced in-app and emailed to registered users at least 14 days before they take effect. Continued use after the effective date means you accept the new terms.

14. Contact

Legal: legal@themoneytrack.app
General support: support@themoneytrack.com
Postal: Money Track (sole proprietorship), Bengaluru, Karnataka 560001, India