Terms of Service

1. What the Service is

FinTrack is a personal bookkeeping tool. It lets you record accounts, transactions and budgets that you enter, and it presents summaries of that data back to you.

It is not a bank, a payment service, a money transmitter, a broker, an investment adviser, an accountant or a tax preparer. It does not hold, move, receive or transmit money. It does not connect to your bank. Balances shown are arithmetic on the figures you typed or imported, not statements of fact about any real account.

2. Not financial, investment, tax or legal advice

Nothing in the Service is advice. Summaries, budget calculations, category breakdowns, subscription detection and any other output are informational only, generated automatically, and take no account of your circumstances, objectives or obligations.

You are solely responsible for your financial decisions. Consult a qualified professional before acting on anything you see here. See also our Disclaimer.

3. Your account

• You must be at least 18 years old and able to form a binding contract.
• You are responsible for the confidentiality of your password and for everything done through your account.
• You must give an email address you control, and keep it current.
• One person per account. Do not share credentials.
• Tell us promptly at aksharma223@gmail.com if you suspect unauthorised access.

4. Your data and your responsibility for it

You retain ownership of the information you enter (“Your Data”). You grant us only the limited licence needed to host, process, back up and display it to you in operating the Service.

The accuracy of Your Data is your responsibility. We do not verify it. Import features parse the files you supply on a best-effort basis and may mis-read, skip or duplicate rows. Always check imported results.

Keep your own records. The Service is not a system of record for tax, audit, regulatory or legal purposes, and is not a substitute for your bank’s statements or your own backups. Export your data regularly.

5. Acceptable use

You agree not to:

• Use the Service unlawfully, or to launder money, evade tax or conceal proceeds of crime;
• Upload another person’s financial data without a lawful basis to do so;
• Attempt to access accounts, data or systems that are not yours;
• Probe, scan, overload, scrape or reverse engineer the Service, or circumvent its rate limits or security;
• Introduce malware, or interfere with other users’ use of the Service;
• Resell or redistribute the Service without our written permission.

We may suspend or terminate an account that breaches this section, immediately and without notice where the breach is serious.

6. Availability, changes and beta features

The Service is provided on an “as is” and “as available” basis. We do not promise it will be uninterrupted, timely, secure or error-free. We may modify, suspend or discontinue any part of it, and may impose limits on storage or usage, at any time.

Some features may be labelled beta or experimental. These may be changed or withdrawn without notice and are excluded from any service expectation described elsewhere.

7. Third-party services

The Service runs on infrastructure and tools operated by third parties, including our hosting provider, our database and authentication provider, and our email delivery provider. Their handling of data is described in our Privacy Policy. We are not responsible for the acts, omissions, outages or security failures of third parties, though we will take reasonable steps to choose responsible ones.

8. Disclaimer of warranties

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Service, or any calculation, figure or summary it produces, is accurate, complete, current or suitable for any purpose.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is the case, the exclusions above apply only to the extent permitted, and nothing in these Terms affects consumer rights that cannot be waived by agreement.

9. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, nor for any loss of profits, revenue, goodwill, business opportunity, savings, or data, arising out of or relating to your use of or inability to use the Service — whether in contract, tort (including negligence), or otherwise, and whether or not we were advised of the possibility.

In particular, and without limiting the above, we are not liable for financial decisions made in reliance on the Service, for tax positions taken, for overdrafts, missed payments or penalties, or for errors in data you or a third party supplied.

Our total aggregate liability arising out of or relating to the Service is limited to the greater of INR 5,000, or the total amount you paid us for the Service in the twelve months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited — which in most jurisdictions includes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, and for breach of statutory data-protection duties. If any part of this section is held unenforceable, the remainder continues to apply.

10. Indemnity

You agree to indemnify and hold us harmless from any claim, demand, loss or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your infringement of the rights of any third party — except to the extent caused by our own negligence or wilful misconduct.

11. Suspension, termination and deletion

You may stop using the Service and request deletion of your account at any time by contacting aksharma223@gmail.com.

We may suspend or terminate your access where you breach these Terms, where we are required to by law, or where continuing to provide the Service becomes impractical. On termination, your data may be permanently deleted. Export anything you need first. Deletion is irreversible and we cannot recover deleted accounts.

12. Changes to these Terms

We may update these Terms. The “last updated” date at the top will change, and for material changes we will make reasonable efforts to notify you by email or in the application. Continuing to use the Service after a change takes effect means you accept the revised Terms.

13. Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict of law rules, and the courts of Delhi, India have exclusive jurisdiction — except that if you are a consumer resident elsewhere, you keep the benefit of any mandatory protections and any right to bring proceedings in the courts of your place of residence.

14. General

If any provision is held invalid, the rest remains in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between us about the Service.

15. Contact

Questions about these Terms: aksharma223@gmail.com.