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1<link rel="dns-prefetch" href="https://www.googletagmanager.com"/><link rel="dns-prefetch" href="https://www.google-analytics.com"/><meta name="theme-color" content="#006ADD"/><title>Terms of Service | MoneyMinder</title><meta name="description" content="MoneyMinder Terms of Service â Read the terms and conditions for using the MoneyMinder expense tracking app."/><meta name="application-name" content="MoneyMinder"/><link rel="author" href="https://moneyminder.in"/><meta name="author" content="MoneyMinder Team"/><meta name="keywords" content="expense tracker,voice expense logging,receipt scanner OCR,AI finance app,AI expense tracker,shared family budget,split expenses app,WhatsApp expense bot,subscription tracker,recurring expenses,PDF expense export,Excel expense export,iOS expense tracker,Android expense tracker,free budget app,multilingual finance app,India expense app,MoneyMinder,money minder app"/><meta name="creator" content="MoneyMinder Team"/><meta name="publisher" content="MoneyMinder"/><meta name="robots" content="index, follow"/><meta name="googlebot" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><meta name="category" content="finance"/><link rel="canonical" href="https://moneyminder.in/terms"/><meta property="og:title" content="Terms of Service | MoneyMinder"/><meta property="og:description" content="Read the terms and conditions for using MoneyMinder."/><meta property="og:url" content="https://moneyminder.in/terms"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="MoneyMinder â Track expenses by voice, scan receipts, get AI insights"/><meta name="twitter:description" content="Free expense tracker for iOS and Android. Voice. Scan. AI. Family Spaces. 10 languages."/><meta name="twitter:image" content="https://moneyminder.in/og-image.png"/><meta name="twitter:image:alt" content="MoneyMinder â Text your expenses"/><link rel="shortcut icon" href="/favicon.ico"/><link rel="icon" href="/favicon.ico"/><link rel="apple-touch-icon" href="/favicon.ico"/><meta name="next-size-adjust"/>
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1</head><body class="__variable_f367f3 __variable_dd5b2f __variable_3c557b __className_f367f3 antialiased"><div class="min-h-screen"><section class="pt-24 pb-12 bg-gradient-to-br from-slate-50 to-blue-50 dark:from-gray-900 dark:to-gray-800"><div class="container mx-auto px-4 sm:px-6 lg:px-8"><div class="text-center max-w-3xl mx-auto" style="opacity:0;transform:translateY(30px) translateZ(0)"><div class="inline-flex items-center px-4 py-2 rounded-full bg-gradient-to-r from-primary-100 to-blue-100 dark:from-primary-900/40 dark:to-blue-900/40 border border-primary-200 dark:border-primary-700 mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-scale w-4 h-4 text-primary-600 dark:text-primary-400 mr-2"><path d="m16 16 3-8 3 8c-.87.65-1.92 1-3 1s-2.13-.35-3-1Z"></path><path d="m2 16 3-8 3 8c-.87.65-1.92 1-3 1s-2.13-.35-3-1Z"></path><path d="M7 21h10"></path><path d="M12 3v18"></path><path d="M3 7h2c2 0 5-1 7-2 2 1 5 2 7 2h2"></path></svg><span class="text-sm font-medium text-primary-700 dark:text-primary-300">Terms & Conditions</span></div><h1 class="text-4xl sm:text-5xl font-bold text-gray-900 dark:text-gray-100 mb-6">Terms of Service for Money Minder</h1><p class="text-xl text-gray-600 dark:text-gray-300 mb-8">Please read these Terms carefully before using the Money Minder app.</p><p class="text-sm text-gray-500 dark:text-gray-400 bg-white/60 dark:bg-white/10 rounded-lg px-4 py-2 inline-block">Last updated: June 24, 2026</p></div></div></section><main class="py-16"><div class="container mx-auto px-4 sm:px-6 lg:px-8 max-w-4xl"><div class="prose prose-lg max-w-none" style="opacity:0"><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="glass-card p-8 mb-8"><div class="flex items-center mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text w-6 h-6 text-primary-600 mr-3"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" x2="8" y1="13" y2="13"></line><line x1="16" x2="8" y1="17" y2="17"></line><line x1="10" x2="8" y1="9" y2="9"></line></svg><h2 class="text-2xl font-bold text-gray-900 dark:text-gray-100 m-0">1. Agreement to Terms</h2></div><p class="text-gray-600 dark:text-gray-300 mb-4">These Terms of Service ("Terms", "Terms of Service") constitute a legally binding agreement between you ("User", "you", or "your") and Money Minder ("Company", "we", "us", or "our") concerning your access to and use of the Money Minder mobile application (the "App" or "Service").</p><p class="text-gray-600 dark:text-gray-300">By downloading, installing, accessing, or using the App, you agree that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you are not authorized to use the App and must immediately cease all use and uninstall the application.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">2. Eligibility</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">2.1 Age Requirements</h3><p class="text-gray-600 dark:text-gray-300 mb-4">You must be at least 13 years of age to use Money Minder. If you are between 13 and 18 years of age (or the age of legal majority in your jurisdiction), you may only use the App under the supervision of a parent or legal guardian who agrees to be bound by these Terms.</p><p class="text-gray-600 dark:text-gray-300 mb-2">By using the App, you represent and warrant that:</p><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>You meet the age requirements stated above</li><li>You have the legal capacity to enter into these Terms</li><li>
1You will comply with these Terms and all applicable laws and regulations</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">2.2 Geographic Restrictions</h3><p class="text-gray-600 dark:text-gray-300">The App is intended for use globally, but we make no representation that the App is appropriate or available for use in all locations. Users who access the App from jurisdictions where its contents are illegal or prohibited are responsible for compliance with local laws.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">3. User Accounts</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">3.1 Account Creation</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Signing in with your Google account</li><li>Providing accurate and complete information</li><li>Maintaining the security of your account credentials</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">3.2 Account Responsibilities</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Maintaining the confidentiality of your account credentials</li><li>All activities that occur under your account</li><li>Immediately notifying us of any unauthorized access or security breach</li><li>Ensuring your account information remains accurate and up-to-date</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">3.3 Account Security</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Use a secure Google account with strong password protection</li><li>Do not share your account credentials with others</li><li>Do not allow others to access your account</li><li>Log out from shared devices after use</li></ul><p class="text-gray-600 dark:text-gray-300 mt-2">We are not liable for any loss or damage arising from your failure to maintain account security.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">4. License and Restrictions</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">4.1 Limited License</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Download and install the App on devices you own or control</li><li>Use the App for personal, non-commercial purposes</li><li>Access features and functionality as provided by us</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">4.2 License Restrictions</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Copy, modify, distribute, sell, or lease any part of the App</li><li>Reverse engineer, decompile, or disassemble the App</li><li>Attempt to extract the source code of the App</li><li>Remove, alter, or obscure any proprietary notices (copyright, trademark, etc.)</li><li>Use the App for any illegal or unauthorized purpose</li><li>Circumvent any security features or access controls</li><li>Use automated systems (bots, scrapers) to access the App</li><li>Interfere with or disrupt the App or servers/networks connected to the App</li><li>Impersonate any person or entity or misrepresent your affiliation</li><li>Upload or transmit viruses, malware, or other malicious code</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">4.3 Commercial Use Prohibition</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Do not use the App to provide services to third parties</li><li>Do not resell, rent, lease, or sublicense access to the App</li><li>Do not use the App in any commercial capacity without our express written permission</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">5. User Content and Data</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">5.1 User-Generated Content</h3><p class="text-gray-600 dark:text-gray-300">You retain ownership of all data and content you create, upload, or submit through the App (including via WhatsApp Connect), including transaction records, receipt images, notes and descriptions, and categories and settings.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">5.2 License to User Content</h3><p class="text-gray-600 dark:text-gray-300 mb-2">By submitting content to the App, you grant us a worldwide, non-exclusive, royalty-free license to:</p><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Store, process, and transmit your content as necessary to provide the Service</li><li>Create backups and derivative works for operational purposes</li><li>Use aggregated, anonymized data for analytics and service improvement</li></ul><p class="text-gray-600 dark:text-gray-300 mt-2">We will not use your personal financial data for advertising or share it with third parties except as de
1scribed in our Privacy Policy.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">5.3 Content Accuracy</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>The accuracy of transaction data you enter or import</li><li>Reconciling your financial records with official bank statements</li><li>Any decisions made based on data in the App</li></ul><p class="text-gray-600 dark:text-gray-300 mt-2">The App is a tool for personal financial tracking. We are not responsible for financial decisions, tax obligations, or accounting accuracy.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">5.4 Prohibited Content</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Illegal, fraudulent, or unlawful content</li><li>Content that infringes intellectual property rights</li><li>Content containing malware, viruses, or harmful code</li><li>Defamatory, obscene, or offensive content</li><li>Content that violates the privacy rights of others</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">6. WhatsApp Connect (Pro Feature)</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">6.1 Feature Description</h3><p class="text-gray-600 dark:text-gray-300 mb-2">WhatsApp Connect allows Pro subscribers to log expenses and income by sending messages to our WhatsApp Business number. Our system uses AI to extract transaction details (amount, category, date, description) from your messages and creates records in your Money Minder account.</p><p class="text-gray-600 dark:text-gray-300">You may also send receipt images or PDF documents, which are processed to extract transaction information.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">6.2 User Responsibilities</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>You are responsible for the accuracy of information you send via WhatsApp for transaction logging</li><li>AI-extracted transaction details may not always be accurate; you should review and correct transactions in the App</li><li>Do not send sensitive personal information (bank passwords, PINs, full card numbers) via WhatsApp messages to our Business number</li><li>You must use a WhatsApp account registered to a phone number you own or are authorized to use</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">6.3 Linking and Unlinking</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Account linking requires email-based OTP verification to ensure you are the rightful account owner</li><li>You can unlink your WhatsApp at any time by sending "unlink" to our Business number or through the Integrations screen in the App</li><li>Upon unlinking, we stop processing messages from your WhatsApp number and remove the phone number association from your account</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">6.4 Third-Party Platform</h3><p class="text-gray-600 dark:text-gray-300 mb-2">WhatsApp Connect operates via Meta's WhatsApp Business Platform. Your use of WhatsApp is subject to Meta's and WhatsApp's own Terms of Service and Privacy Policy. We are not responsible for WhatsApp's availability, data handling in transit, or changes to their platform that may affect this feature.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">6.5 AI Processing Disclaimer</h3><p class="text-gray-600 dark:text-gray-300">Transaction extraction from WhatsApp messages uses artificial intelligence, which may produce inaccurate results. We do not guarantee the accuracy of AI-extracted transaction amounts, categories, dates, or descriptions. You are solely responsible for verifying and correcting all transactions created via WhatsApp Connect.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield w-6 h-6 text-primary-600 mr-3"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10"></path></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">7. Intellectual Property Rights</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.1 Our Intellectual Property</h3><p class="text-gray-600 dark:text-gray-300">The App and all its contents, features, and functionality (including but not limited to software, design, text, graphics, logos, icons, images, and algorithms) are owned by Money Minder and are protected by copyright, trademark, patent, trade secret, and other intellectual property rights.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.2 Feedback and Suggestions</h3><p class="text-gray-600 dark:text-gray-300">If you provide us with feedback, suggestions, or ideas about the App ("Feedback"), you grant us an unlimited, irrevocable, perpetual, royalty-free license to use, modify, and incorporate such Feedback without compensation or attribution.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-alert-triangle w-6 h-6 text-primary-600 mr-3"><path d="m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3Z"></path><path d="M12 9v4"></path><path d="M12 17h.01"></path></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">8. Service Availability and Modifications</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.1 Service Availability</h3><p class="text-gray-600 dark:text-gray-300">
1We strive to provide reliable, uninterrupted service. However, we do not guarantee that the App will be available at all times or without interruptions, will be error-free or secure from unauthorized access, that defects will be corrected immediately, or that the App will meet your specific requirements.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.2 Maintenance and Downtime</h3><p class="text-gray-600 dark:text-gray-300 mb-2">We reserve the right to perform scheduled and emergency maintenance, temporarily suspend or restrict access to the App, and modify, update, or discontinue features with or without notice.</p><p class="text-gray-600 dark:text-gray-300">We will make reasonable efforts to notify users of planned maintenance, but we are not liable for any downtime or service interruptions.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.3 App Updates</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Download and install updates promptly</li><li>Older versions may become incompatible or unsupported</li><li>Continued use may require acceptance of updated Terms</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">8. Fees and Payment</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">8.1 Free and Pro Tiers</h3><p class="text-gray-600 dark:text-gray-300">Money Minder offers a free tier with core expense tracking features. The free tier is supported by advertising (see section 8.4). Certain premium features, including WhatsApp Connect, are available exclusively to Pro subscribers, and Pro subscriptions are ad-free. Pro subscriptions are billed through Google Play or the Apple App Store and are subject to the respective store's billing terms.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">8.2 Future Premium Features</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>We may introduce premium features requiring payment</li><li>We may implement subscription plans or in-app purchases</li><li>We may modify pricing with reasonable notice to users</li></ul><p class="text-gray-600 dark:text-gray-300 mt-2">Any paid features will be clearly disclosed before purchase, and separate payment terms will apply.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">8.3 No Refunds</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>All fees paid (if applicable) are non-refundable</li><li>No refunds for unused portions of subscription periods</li><li>Exceptions may be made at our sole discretion or as required by law</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">8.4 Advertising (Free Tier)</h3><p class="text-gray-600 dark:text-gray-300 mb-2">The free version of the App is supported by third-party ads served through Google AdMob. By using the free tier, you acknowledge and agree that:</p><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Banner and occasional full-screen (interstitial) ads may be displayed within the App</li><li>Google AdMob may access your device advertising identifier and related device data to serve and measure ads, as described in our Privacy Policy</li><li>Ads are provided by third parties; we do not endorse and are not responsible for the content of any advertisement or any products or services advertised</li><li>You will not interfere with, obscure, or generate invalid interactions with ads (for example, automated or repeated clicks)</li><li>Upgrading to Pro removes all ads</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">9. Third-Party Services</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">9.1 Third-Party Integrations</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li>Google Sign-In (for authentication)</li><li>Firebase (for analytics, crash reporting, and performance monitoring)</li><li>Meta WhatsApp Business Platform (for WhatsApp Connect feature)</li><li>AI processing services (for extracting transaction details from WhatsApp messages)</li><li>Google AdMob (for serving ads in the free version of the App)</li><li>Google Fonts (for typography)</li></ul><p class="text-sm text-gray-500 dark:text-gray-400">Your use of these services is subject to their respective terms and privacy policies:<!-- --> <a href="https://policies.google.com/terms" target="_blank" rel="noopener noreferrer">Google Terms</a> <!-- -->·<!-- --> <a href="https://firebase.google.com/terms" target="_blank" rel="noopener noreferrer">Firebase Terms</a> <!-- -->·<!-- --> <a href="https://www.whatsapp.com/legal/terms-of-service" target="_blank" rel="noopener noreferrer">WhatsApp Terms</a></p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">9.2 Third-Party Disclaimer</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>We are not responsible for the availability, accuracy, or reliability of third-party services</li><li>We are not responsible for changes to third-party services that affect App functionality</li><li>We are not responsible for third-party data practices or privacy policies</li><li>We are not responsible for disputes between you and third-party service providers</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">10. Data Backup and Loss</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">10.1 Your Responsibility</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Maintain backups of your important financial data</li><li>Export transaction records periodically</li><li>Keep copies of receipt images outside the App</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">10.2 No Guarantee of Data Preservation</h3><p class="text-gray-600 dark:text-gray-300">While we implement reasonable data protection measures, we do not guarantee permanent storage of your data, recovery of deleted data, or protection against all forms of data loss.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">10.3 Limitation of Liability for Data Loss</h3><p class="text-gray-600 dark:text-gray-300">
1We are not liable for any loss, corruption, or deletion of your data, whether caused by technical failures or errors, security breaches, account termination, user error or device issues, or force majeure events.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">11. Termination</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">11.1 Termination by You</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Use the account deletion feature in the App settings</li><li>Contact us at [email protected]</li><li>Uninstall the App from your device</li></ul><p class="text-gray-600 dark:text-gray-300 mt-2">Upon termination: Your access to the App will cease immediately; your data will be deleted from our servers in accordance with our Privacy Policy; local data will be cleared from your device.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">11.2 Termination by Us</h3><p class="text-gray-600 dark:text-gray-300">We reserve the right to suspend or terminate your account. If this occurs, you may contact us at [email protected] to request clarification.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">11.3 Effect of Termination</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Your license to use the App terminates immediately</li><li>All your data may be permanently deleted</li><li>You must cease all use of the App</li><li>Provisions that by their nature should survive termination will remain in effect</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-alert-triangle w-6 h-6 text-primary-600 mr-3"><path d="m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3Z"></path><path d="M12 9v4"></path><path d="M12 17h.01"></path></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">12. Disclaimers</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">12.1 "AS IS" and "AS AVAILABLE" Basis</h3><p class="text-gray-600 dark:text-gray-300">THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, OR ACCURACY OR COMPLETENESS.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">12.2 No Financial Advice</h3><p class="text-gray-600 dark:text-gray-300">Money Minder is a financial tracking tool only. We do not provide financial advice, tax preparation or accounting services, investment guidance, or legal or professional advice. Consult qualified professionals for such matters.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">12.3 Third-Party Content</h3><p class="text-gray-600 dark:text-gray-300">We are not responsible for changes to third-party service integrations or third-party service interruptions.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">13. Limitation of Liability</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">13.1 Maximum Liability</h3><p class="text-gray-600 dark:text-gray-300">TO THE FULLEST EXTENT PERMITTED BY LAW, MONEY MINDER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR DIRECT OR INDIRECT DAMAGES INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL; COST OF SUBSTITUTE SERVICES; INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES; OR DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE APP.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">13.2 Cap on Damages</h3><p class="text-gray-600 dark:text-gray-300">IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">13.3 Exceptions</h3><p class="text-gray-600 dark:text-gray-300">Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">14. Indemnification</h2><p class="text-gray-600 dark:text-gray-300">You agree to defend, indemnify, and hold harmless Money Minder and its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your use or misuse of the App, your violation of these Terms of Service, your violation of any rights of third parties or applicable laws, content you submit, or unauthorized access to your account due to your failure to safeguard credentials.</p></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">15. Dispute Resolution</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">15.1 Informal Resolution</h3><p class="text-gray-600 dark:text-gray-300">Before filing any formal claim, you agree to contact us at [email protected] and attempt to resolve the dispute informally. We will attempt to resolve disputes through good-faith negotiation.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">15.2 Governing Law</h3><p class="text-gray-600 dark:text-gray-300">These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.3 Jurisdiction and Venue</h3><p class="text-gray-600 dark:text-gray-300">Any legal action or proceeding arising out of or relating to these Terms or the App shall be instituted in the courts of [Your City/State], India. You consent to the personal jurisdiction of such courts and waive any objections based on inconvenient forum.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.4 Arbitration (Optional)</h3><p class="text-gray-600 dark:text-gray-300">
1For disputes that cannot be resolved informally, you and Money Minder agree to resolve disputes through binding arbitration, except that either party may bring an action in court to seek injunctive or equitable relief, protect intellectual property rights, or resolve disputes related to data privacy. Arbitration shall be conducted by a single arbitrator in accordance with the Indian Arbitration and Conciliation Act, 1996.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.5 Class Action Waiver</h3><p class="text-gray-600 dark:text-gray-300">YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">17. General Provisions</h2><div class="grid grid-cols-1 gap-6"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.1 Entire Agreement</h3><p class="text-gray-600 dark:text-gray-300">These Terms, together with our Privacy Policy, constitute the entire agreement between you and Money Minder regarding the App and supersede all prior agreements, understandings, and communications.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.2 Severability</h3><p class="text-gray-600 dark:text-gray-300">If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.3 Waiver</h3><p class="text-gray-600 dark:text-gray-300">Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.4 Assignment</h3><p class="text-gray-600 dark:text-gray-300">You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign or transfer these Terms at any time without restriction. Any attempted assignment in violation of this section is void.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.5 No Third-Party Beneficiaries</h3><p class="text-gray-600 dark:text-gray-300">These Terms do not create any third-party beneficiary rights. No third party may enforce any provision of these Terms.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.6 Force Majeure</h3><p class="text-gray-600 dark:text-gray-300">We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, civil unrest, government actions, internet or telecommunications failures, cyber attacks, or labor disputes.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.7 Notices</h3><p class="text-gray-600 dark:text-gray-300">All notices to you will be provided via email to your registered address, through in-app notifications, or by posting on the App or our website. Notices to us should be sent to: [email protected]</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-2">17.8 Language</h3><p class="text-gray-600 dark:text-gray-300">These Terms are provided in English. Any translations are for convenience only. In the event of conflicts, the English version shall prevail.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">16. Changes to Terms</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.1 Modification Rights</h3><p class="text-gray-600 dark:text-gray-300">We reserve the right to modify, amend, or update these Terms at any time at our sole discretion for reasons including legal or regulatory compliance, security enhancements, feature changes, or clarifications.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.2 Notice of Changes</h3><p class="text-gray-600 dark:text-gray-300">When we make material changes to these Terms, we will update the "Last Updated" date at the top, notify you via email or in-app notification, and provide a summary of significant changes.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.3 Acceptance of Changes</h3><p class="text-gray-600 dark:text-gray-300">Your continued use of the App after the effective date of changes constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the App, delete your account, and uninstall the App.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">16.4 Review Responsibility</h3><p class="text-gray-600 dark:text-gray-300">You are responsible for reviewing these Terms periodically. We recommend checking for updates when you receive notifications of changes.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">17. Accessibility and Support</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">17.1 Customer Support</h3><p class="text-gray-600 dark:text-gray-300">We provide customer support via email at [email protected] and in-app help. We aim to respond within 48 hours during business days, but response times are not guaranteed.</p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">17.2 Feature Requests</h3><p class="text-gray-600 dark:text-gray-300">While we welcome feedback and feature requests, we are under no obligation to implement requested features, provide timelines, or notify users of implementation.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">18. App Store Terms</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">18.1 Google Play Store</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Google is not a party to these Terms</li><li>Google has no obligation to provide support or maintenance</li><li>Google is not liable for any claims related to the App</li><li>These Terms are between you and Money Minder only</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">18.2 Compliance</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Comply with Google Play Store Terms of Service</li><li>Comply with Android operating system terms and conditions</li><li>Comply with all applicable platform-specific terms</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">19. Privacy and Data Protection</h2><p class="text-gray-600 dark:text-gray-300">Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the App, you consent to the collection, use, and disclosure of information as described
1in our Privacy Policy, data storage on our servers, and use of third-party services (Firebase, Google).</p><p class="text-sm text-gray-500 dark:text-gray-400 mt-2">Please review our Privacy Policy on the Privacy page of this website for detailed information about how we handle your data.</p></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-6">20. Export Controls and Sanctions</h2><p class="text-gray-600 dark:text-gray-300">You represent and warrant that you are not located in a country subject to U.S. or international embargo or sanctions, are not listed on any government prohibited or restricted party list, and will comply with all applicable export control and sanctions laws.</p></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-gradient-to-r from-primary-600 to-primary-800 rounded-2xl p-8 text-white"><h2 class="text-3xl font-bold mb-4">21. Contact Information</h2><p class="mb-4">If you have any questions, concerns, or disputes regarding these Terms of Service, please contact us:</p><div class="bg-white/20 rounded-lg p-4 mb-2"><p class="font-medium">ð§ Email: [email protected]</p></div><p>Response Time: We aim to respond within 48 hours during business days.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-4">Acknowledgment</h2><p class="text-gray-600 dark:text-gray-300 mb-4">BY DOWNLOADING, INSTALLING, ACCESSING, OR USING THE MONEY MINDER APP, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE APP.</p><p class="text-gray-600 dark:text-gray-300">YOU FURTHER ACKNOWLEDGE THAT THESE TERMS CONSTITUTE A BINDING LEGAL AGREEMENT BETWEEN YOU AND MONEY MINDER.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-gradient-to-r from-gray-50 to-blue-50 dark:from-gray-800 dark:to-gray-700 rounded-2xl p-8"><div class="grid grid-cols-1 md:grid-cols-3 gap-6"><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><p class="text-sm text-gray-500 dark:text-gray-400">Version</p><p class="text-lg font-semibold text-gray-900 dark:text-gray-100">1.2</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><p class="text-sm text-gray-500 dark:text-gray-400">Effective Date</p><p class="text-lg font-semibold text-gray-900 dark:text-gray-100">June 24, 2026</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><p class="text-sm text-gray-500 dark:text-gray-400">Last Reviewed</p><p class="text-lg font-semibold text-gray-900 dark:text-gray-100">June 24, 2026</p></div></div><p class="text-sm text-gray-600 dark:text-gray-300 mt-6">These Terms of Service are designed to comply with Google Play Store requirements, Indian law, and international legal standards. For jurisdiction-specific requirements, please consult with local legal counsel.</p></div></div></div></div></main></div><!--$!--><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template><!--/$-->
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