Terms of Service

Last updated: April 12, 2026 • Version 1.0

1. Acceptance of Terms

By downloading, installing, or using the DhanRakh mobile application ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the App.

2. Eligibility

• You must be at least 18 years of age.
• You must be a resident of India or an Indian citizen abroad.
• You must have the legal capacity to enter into a binding agreement.

3. Account Registration

You may register using Google Sign-In. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

4. Description of Service

DhanRakh is a personal finance management application that provides:

• Manual and voice-based expense tracking
• UPI notification auto-import
• Budget creation and monitoring
• Financial health reports and insights
• Gold, chit fund, and insurance tracking
• Shop owner tools (inventory, debtors, invoicing)
• Tax estimation and CA export

5. Subscription Plans

DhanRakh offers a Free tier and paid subscription plans (Plus, Pro) with increasing feature access. The Free tier is fully functional for everyday use. Paid plans unlock advanced features like AI reports, shop tools, and more. Current prices and feature details are shown on our Pricing page. Prices are in Indian Rupees (₹), inclusive of applicable GST (@18%). Features and pricing are subject to change with 30 days notice.

6. Payment & Billing

• Payments are processed securely via a PCI-DSS certified payment gateway.
• Subscriptions are charged at the beginning of each billing cycle (monthly or annual).
• We never see or store your full card/UPI details — all payment processing is handled by our PCI-DSS compliant partner.

7. Cancellation & Refunds

See our Refund Policy for full details. Summary:

• Cancel anytime — retain access until the end of your paid period.
• Full refund within 48 hours of an accidental purchase.
• Pro-rated refund for technical issues making the app unusable, with proof.
• No refund for partial month usage or change of mind after 48 hours.

8. AI & Tax Disclaimer

9. Acceptable Use

You agree not to:

• Use the App for money laundering, terrorist financing, or any illegal activity.
• Reverse-engineer, decompile, or attempt to extract source code from the App.
• Attempt to gain unauthorized access to other users' data or our servers.
• Create multiple accounts to abuse free-tier limits.
• Use automated tools (bots, scrapers) to access the App.
• Upload malicious content, malware, or exploit vulnerabilities.

10. Intellectual Property

The DhanRakh name, logo (ध), app design, code, and content are the property of DhanRakh. You may not reproduce, distribute, or create derivative works without our written permission.

11. Data Ownership

You own your financial data. We are custodians, not owners. You can export all your data at any time (CSV/PDF) and delete your account to remove all data from our servers.

11A. Data Residency & Processing

Persistent storage of regulated personal, financial, and payment-related data is restricted to India-hosted systems. Certain limited features may involve transient processing outside India (for example, AI inference) without persistent storage of regulated records in those transient paths.

12. Service Availability

• We aim for 99.9% uptime but do not guarantee uninterrupted service.
• Offline mode ensures core functionality (expense entry, viewing data) works without internet.
• Planned maintenance will be communicated 24 hours in advance via in-app notification.

13. Limitation of Liability

To the maximum extent permitted by Indian law:

• DhanRakh is provided "as is" without warranty of any kind.
• We are not liable for any financial loss arising from the use or inability to use the App.
• Our total liability shall not exceed the amount you paid for the App in the preceding 12 months.
• We are not liable for data loss due to device failure — enable cloud sync and backups.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. Before litigation, both parties agree to attempt mediation in good faith.

15. Termination

We may suspend or terminate your account if:

• You violate these Terms.
• Your account shows suspicious activity suggesting fraud or abuse.
• Required by law or government order.

Upon termination, you may request a data export within 30 days. After 30 days, all data is permanently deleted.

16. Changes to Terms

We may update these Terms with 30 days notice via in-app notification. Continued use of the App after the notice period constitutes acceptance of the updated Terms.

17. Contact

Questions about these Terms? Email us at support@dhanrakh.in.