1. Acceptance of these Terms

By accessing or using FinBuddy, you confirm that you have read, understood and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the service.

2. Eligibility

FinBuddy is only for adults. You must be at least 18 years old and able to enter into a binding contract under Indian law. By using FinBuddy, you confirm that you meet these requirements. If we learn that an account belongs to someone under 18, we will close it and delete its data, as explained in our Privacy Policy.

3. Your account

• You are responsible for the accuracy of the information you provide and for keeping your login credentials secure.
• You are responsible for all activity that occurs under your account.
• Notify us promptly at tech.support@saakarkaro.com if you suspect unauthorised use of your account.

4. Licence to use FinBuddy

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use FinBuddy for your personal, non-commercial financial management.

5. What FinBuddy is, and what it is not

FinBuddy helps you record, organise and understand your own money. To keep you safe, we are clear about its limits:

• Not investment advice. SaakarKaro is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst. FinBuddy and Lakshaya never tell you to buy, sell or hold any specific stock, mutual fund or other security. Investment projections use assumed rates of return, not live prices or predictions, and past returns do not guarantee future results.
• Not a Chartered Accountant. The tax planner gives estimates to help you plan. It is not tax advice, it does not file your income tax return, and its figures may differ from your final assessment. Please check with a qualified Chartered Accountant or tax professional before you file.
• Not a bank or payment service. FinBuddy does not move, hold, lend or invest money, does not process payments, and never asks for your bank login, card PIN or UPI PIN. It is not regulated by the Reserve Bank of India because it does none of these things.
• AI can be wrong. Lakshaya, our in-app assistant, uses artificial intelligence to explain your numbers in words. It can make mistakes, so please treat what it says as general information and check anything important.

Everything FinBuddy shows you is for general information and education. Decisions about your money are yours, and for major ones we encourage you to speak to a SEBI-registered adviser or a qualified professional.

6. Your content and data

You retain ownership of the financial information and content you enter into FinBuddy. You grant us a limited licence to process that content solely to operate and improve the service, as described in our Privacy Policy. We never sell your data. You can export or delete it at any time, and you can find out how in How to delete your account.

When you add entries to a shared pool, budget or goal, the other members of that space can see them. Please only share what you are comfortable sharing with them.

7. Acceptable use

You agree not to:

• Use the service for any unlawful or fraudulent purpose.
• Attempt to gain unauthorised access to our systems or other users' accounts.
• Reverse-engineer, copy, resell or commercially exploit the service except as permitted by law.
• Upload malware, or interfere with the integrity or performance of the service.

8. Third-party services

FinBuddy may rely on or link to third-party services (such as app stores, sign-in providers, cloud hosting and AI providers, all listed in our Privacy Policy). Your use of those services is governed by their own terms, and we are not responsible for them.

9. Fees and plans

FinBuddy is free to start. We may offer paid plans or features in the future; we will show you the price and payment terms clearly before you are charged, and we will never charge you without your agreement. Features you already use for free will not be taken away without notice.

10. Intellectual property

FinBuddy, SaakarKaro, our logos, designs and software are owned by us and protected by intellectual-property laws. These Terms do not grant you any rights to our trademarks or branding.

11. Disclaimers

The service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose and accuracy of any estimates or projections. We do not warrant that the service will be uninterrupted or error-free.

12. Limitation of liability

To the maximum extent permitted by law, SaakarKaro will not be liable for any indirect, incidental, special or consequential damages, or for any financial loss, arising from your use of — or inability to use — FinBuddy, including decisions you make based on estimates, projections or AI responses. Nothing in these Terms limits any right you have under the Consumer Protection Act, 2019 or any other law that cannot be excluded by contract.

13. Termination

You may stop using FinBuddy and delete your account at any time, from inside the app or by email, as described in our Privacy Policy. We may suspend or close an account that breaches these Terms or puts other users at risk. Unless the law or a safety concern prevents it, we will tell you why and give you a chance to respond.

14. Changes to these Terms

We may update these Terms from time to time. When changes are material, we will tell you in the app or by email before they take effect. If you do not agree with the new Terms, you can delete your account; continuing to use FinBuddy after that means you accept them.

15. Governing law

These Terms are governed by the laws of India, and you agree to the exclusive jurisdiction of the competent courts in India for any dispute, subject to applicable law.

16. Grievances and contact

If you have a complaint about FinBuddy, these Terms or your data, please write to our Grievance Officer at admin@saakarkaro.com. We acknowledge every complaint within 24 hours and resolve it within 30 days. For technical help with the app, write to tech.support@saakarkaro.com.