Terms of Service

These Terms are an agreement between you and Arthiv Technologies for your use of the Arthiva app and website (the “Service”). By creating an account or using the Service you accept these Terms and our Privacy Policy. If you don't agree, please don't use the Service.

You must be at least 18 years old and able to enter a binding contract under Indian law. You sign in with your Google account and are responsible for keeping it secure. Tell us promptly at contact.arthiva@arthiv.com if you think someone else has accessed your account.

Arthiva helps you record and organise your own money: expenses, income, transfers, accounts, budgets, tags, and money lent or borrowed. It doesn't connect to your bank, move money, make payments, or read your SMS. Balances and reports are based only on what you enter.

Not financial advice. Figures such as Safe-to-Spend, net worth, interest estimates, EMI schedules and AI answers are tools to help you think. They are estimates, not financial, investment, tax or legal advice, and they may be wrong or incomplete. Check important decisions with a qualified professional. Arthiva is not a bank, lender, payment service or investment adviser.

Borrow & lend records are personal notes for your own tracking. They are not legal agreements and don't create any obligation between you and anyone else.

AI entry, category suggestions and the AI advisor are optional and need your permission first. AI output can be inaccurate, so review any AI-filled transaction before saving it. Each plan has monthly AI allowances that reset on the 1st of every month (India time). Unused allowance doesn't carry over. We may apply short-term rate limits to prevent misuse.

The Free plan includes 2 accounts, 1 open borrow/lend record, 5 AI entries and 10 category suggestions a month. Paid plans (Arthiva Pro from ₹79 a month or ₹599 a year, and Arthiva Pro AI from ₹149 a month or ₹1,199 a year) unlock more, as described in the app at the time of purchase. The price Google Play shows before you confirm, in Indian rupees, is the price you pay.

• Subscriptions are bought and billed only through Google Play, and Google Play's terms also apply.
• They renew automatically at the end of each monthly or yearly period until you cancel.
• You can cancel any time in Google Play → Payments & subscriptions. Cancelling stops the next renewal; Pro stays active until the end of the period you've paid for.
• Switching plans is handled by Google Play, which credits the unused time of your current plan.
• If a renewal payment fails, Google Play may give you a grace period. Pro ends if payment isn't completed.
• Uninstalling the app or deleting your Arthiva account does not cancel a Google Play subscription. Cancel it in Google Play.
• We may change prices or plan features for future billing periods. Google Play will notify you of price increases as its policies require, and you can cancel before the new price applies.
• If Pro ends, your data stays. You just can't add more than the Free plan allows (for example, new accounts beyond the Free limit) until you upgrade again.

Refunds are covered by our Cancellation & Refund Policy.

You agree not to:

• Use the Service for anything unlawful, including fraud, money laundering or tracking another person without a lawful reason.
• Enter information about other people that you have no right to record, or sensitive details such as their ID or account numbers.
• Try to access other users' data, bypass plan limits or security rules, or disrupt the Service.
• Copy, reverse-engineer, resell or build a competing product from the app, except where the law allows it.
• Use automated tools to send excessive requests, including to AI features.

Your financial records belong to you. You give us permission to store and process them only to provide the Service, as described in the Privacy Policy. You are responsible for the accuracy of what you enter. Keep your own copies of anything important; you can export any account's history as CSV. You can delete records or your whole account at any time (how to delete your account).

The app, website, design, logos and the Arthiva name belong to Arthiv Technologies. We give you a personal, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control, for your own personal finance tracking.

We work to keep the Service available and your data safe, but we can't promise it will always be uninterrupted or error-free. We may update, change or stop features. If we plan to shut down the Service entirely, we will give you reasonable notice and a way to export your data, and refund the unused part of any active subscription where the law requires it.

You can stop using the Service and delete your account at any time. We may suspend or end your access if you seriously or repeatedly break these Terms, or if the law requires it. Where possible we will tell you why first and give you a chance to export your data.

The Service is provided “as is” and “as available”. To the extent the law allows, we don't give warranties that it is fit for a particular purpose or that its calculations are always accurate.

To the extent the law allows, we are not liable for indirect or consequential losses, or for decisions you make based on figures or AI answers in the app. Our total liability for any claim about the Service is limited to the amount you paid us for the Service in the 12 months before the claim. Nothing in these Terms limits rights you have under the Consumer Protection Act, 2019 or other laws that can't be excluded.

These Terms are governed by the laws of India. Please contact us first. Most problems can be solved quickly. Disputes that can't be resolved are subject to the courts at [City — to be published], India, without affecting your right to approach a consumer commission.

We may update these Terms. We will change the effective date above and, for important changes, tell you in the app before they take effect. Continuing to use the Service after that means you accept the updated Terms.

• Grievance Officer: [Name — to be published]
• Email: contact.arthiva@arthiv.com
• Phone: +91 98859 42665
• Arthiv Technologies, [Registered address — to be published]

We acknowledge complaints within 48 hours and aim to resolve them within one month, as required by the Consumer Protection (E-Commerce) Rules, 2020.