These Terms of Service (“Terms”) govern your access to and use of the DhanLekha personal finance and expense-tracking application on Android and iOS (the “App”). The App is developed and operated by Swarjun Tech, the developer of DhanLekha (“we”, “us”, or “our”). By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, please do not use the App. Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
1. Acceptance of These Terms
By creating an account or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. We may make the App available to you subject to these Terms; your continued use constitutes ongoing acceptance.
2. Eligibility
You must be at least 13 years old (or the minimum age required to form a binding contract in your jurisdiction) to use the App. By adding other people to a shared ledger, trip, or group split — including their names or phone numbers — you confirm that you are entitled to share that information with us for that purpose.
3. The Service
DhanLekha is a personal expense-tracking and bill-splitting tool. It lets you record and categorize transactions, set budgets and reminders, optionally auto-detect transactions from bank SMS (Android only, with your permission), and create shared ledgers and group splits to track balances with friends. The App is offline-first: your personal (non-shared) transactions are stored only on your device. We may add, change, or remove features over time.
4. Your Account & Security
- You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
- You agree to provide accurate account information and to keep it up to date.
- Authentication is handled via Firebase Authentication; we do not store your raw password.
- Notify us promptly at the contact address below if you suspect unauthorized use of your account.
5. Acceptable Use
You agree not to:
- use the App for any unlawful, fraudulent, or harmful purpose;
- misrepresent your identity or impersonate another person;
- upload or share another person's data without the authority to do so;
- attempt to breach, probe, or circumvent the App's security, or access data that is not intended for you;
- reverse engineer, decompile, scrape, or attempt to extract source code, except to the extent permitted by applicable law;
- interfere with, overload, or disrupt the App or the servers and networks behind it;
- use the App to harass, defraud, or harm other users.
6. Indicative Records — Not Financial Proof
DhanLekha is a tracking and bill-splitting tool. The transactions, balances, and “who owes whom” amounts shown in the App — including shared ledgers, trips, and group splits — are indicative records based on entries made by you and other participants, kept as a mutually agreed reference of amounts the parties consider owed between them. They are not bank statements, invoices, receipts, or legally authoritative proof of any debt, payment, or financial obligation, and may be incomplete or inaccurate (for example, where details are auto-detected from SMS). DhanLekha does not process, hold, or move funds, is not a party to any arrangement between users, and does not provide financial, accounting, tax, or legal advice. Any actual transfer or settlement of money happens directly between the users involved.
7. Shared Ledgers, Splits & Settlements
- When you create or join a shared ledger, trip, or group split, you and the other participants are responsible for the accuracy of the entries and balances.
- The App only records and displays the amounts you and other participants enter or agree to. It does not verify them.
- Settling balances — actually paying each other — is done directly between the parties. We are not responsible for, and take no part in, those payments or any dispute arising from them.
- You agree to resolve disagreements over shared balances directly with the other participants.
8. SMS, Contacts & Permissions
Certain features — such as SMS-based transaction detection (Android) and contact selection — are optional and require device permissions. Where granted, these are processed on your device as described in our Privacy Policy. You may decline or revoke any permission at any time in your device settings; the App remains usable with manual entry.
9. Advertising, Premium & Purchases
- The App is free to use and, for free users, may display ads through Google AdMob.
- You may optionally upgrade to a premium plan to remove ads or unlock features.
- Any purchases are processed by the applicable app store (Google Play or Apple App Store) under that store's terms. Billing, renewals, and refunds are governed by the store's policies, not by us directly.
10. Intellectual Property
The App, including its software, design, text, graphics, and the DhanLekha name and logo, is owned by the developer and protected by applicable intellectual-property laws. Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes. The financial data and entries you create remain yours.
11. Third-Party Services
The App relies on third-party services — including Google Firebase, Google AdMob, and the Google Play and Apple App Store platforms — each governed by its own terms and privacy policy. We are not responsible for the practices, availability, or content of these third-party services.
12. Disclaimer of Warranties
The App is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the App will be uninterrupted or error-free, that SMS-based detection or any auto-categorization is accurate or complete, or that data stored on your device will not be lost. Because your personal transactions are stored only on your device and are deliberately excluded from operating-system backups, their loss (for example, if you lose, reset, or replace your device) may be permanent.
13. Limitation of Liability
To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or goodwill, arising out of or related to your use of (or inability to use) the App — including any reliance on indicative balances, inaccurate SMS detection, or loss of on-device data. To the extent liability cannot be excluded, our total aggregate liability is limited to the amount (if any) you paid us for the App in the twelve (12) months before the event giving rise to the claim, which may be zero for free users.
14. Indemnification
You agree to indemnify and hold harmless the developer from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your misuse of the App, your violation of these Terms, or your infringement of any rights of another person or entity.
15. Termination
You may stop using the App at any time and may delete your account using the in-app “Delete Account” option. We may suspend or terminate your access if you breach these Terms or for operational, security, or legal reasons. Provisions that by their nature should survive termination — including the disclaimer of warranties, limitation of liability, intellectual-property, and indemnification sections — will continue to apply.
16. Changes to These Terms
We may update these Terms from time to time. Material changes will be reflected by updating the “Last updated” date above and, where appropriate, through in-app notice. Your continued use of the App after changes take effect constitutes acceptance of the revised Terms.
17. Governing Law
These Terms are governed by the laws of India, without regard to its conflict-of-laws principles. You agree to the exclusive jurisdiction of the courts located there for any dispute that is not otherwise resolved between the parties.
18. Contact Us
If you have questions about these Terms, contact us at:
Email: connect.dhanlekha@gmail.com