Terms and Conditions

1. Introduction

These Terms and Conditions of Use ("Terms") govern your use of the Moneycule mobile application ("App"), provided by [Niranjana Technologies and Interactive Solutions] ("Company"). By using the App, you agree to be bound by these Terms.

2. Offline Services

Moneycule is an offline finance and budgeting app. Your data is stored locally on your device and is not sent to any servers unless you choose to export it. We utilize Google ads to support development, but these ads only collect non-personal usage data and do not access your financial information.

3. Acceptance and Termination

You accept these Terms by downloading and using the App. You may terminate these Terms at any time by uninstalling the App. The Company may terminate these Terms at any time for any reason, with or without notice.

4. User Responsibilities

You agree to use the App only for its intended purposes and in accordance with these Terms and applicable laws. You will not:

  • Share your device or App access with unauthorized users.
  • Post or share content that is illegal, offensive, or harmful.
  • Attempt to reverse engineer, hack, or modify the App.
  • Use the App in any way that could interfere with its operation or other users' enjoyment.

5. Provision of Service

The App is provided "as is" and "as available." We use commercially reasonable efforts to maintain the App, but we make no warranties or guarantees of continuous availability or error-free operation. We may occasionally suspend or interrupt the App for maintenance or technical reasons.

6. Copyright

All content and materials in the App are protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or commercially exploit any part of the App without the Company's express permission.

7. Limitation of Liability
7.1 Exclusions.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY OF THE FOLLOWING:

  • Indirect, Consequential, or Punitive Damages: Any indirect, consequential, or punitive damages, including, but not limited to, lost profits, loss of data, personal injury, or property damage, arising out of or in connection with your use of the App, even if the Company has been advised of the possibility of such damages.
  • Third-Party Content: Any harm or damages caused by or relating to content, products, or services provided by third parties through the App or accessed through links within the App.
  • Device Issues: Any damage or loss to your device or its data resulting from your use of the App.
  • Force Majeure: Any interruption or delay in the App's operation or services caused by events beyond the Company's reasonable control, such as natural disasters, acts of war or terrorism, power outages, or internet disruptions.

7.2 Disclaimer of Warranties.

THE APP IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION. THE COMPANY DOES NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

7.3 Reliance on App Information.

You acknowledge and agree that you are solely responsible for your use of the App and any information provided through it. The Company does not provide any financial or investment advice through the App, and you should not rely on any information or content within the App for making financial decisions.

8. Indemnity

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, and licensors from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the App, your violation of these Terms, or your breach of any applicable law or regulation.

9. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of laws principles. Any disputes arising out of or relating to these Terms will be subject to the exclusive jurisdiction of the courts of Chennai, India.

10. Contact Us

If you have any questions about these Terms, please contact us at contact@moneycule.com.

Any change to the terms will be published here and will be effective accordingly.