The deal, in plain words.

The agreement

This is an agreement between you and the makers of Kharcha. If you do not accept it, do not use the service. Your privacy is covered separately in the privacy policy, which forms part of these terms.

Your account

• You need an account to use Kharcha, and you must be old enough to enter a contract where you live — at least 13 in any case.
• Keep your sign-in secure. Anything done through your account is treated as done by you.
• One account is one person. Do not share it or sell access to it.
• Give us an email address that reaches you.

Using Kharcha

Do not:

• Break the law with it, or use it to launder, hide, or misrepresent money.
• Upload statements or data belonging to someone who has not agreed to it.
• Attack the service — scraping at volume, probing for holes, trying to reach another person’s data, or working around usage limits.
• Resell Kharcha, or put it behind your own product, without our written agreement.

We may suspend an account that is doing any of the above, and we will tell you why unless telling you would make the problem worse.

What Kharcha costs

Every feature of Kharcha is free right now — budgeting, statement import, reports, everything. There is nothing to buy and nothing to cancel.

If that changes, we will describe what is paid on this page before it applies to you, and nothing you have already imported or built is taken away.

Not financial advice

Kharcha is a tool for recording and planning your own money. Nothing in it is financial, tax, investment, or legal advice, and no figure it shows is a professional opinion. Decisions you make with it are yours.

Imported statements are read by software that can misread a column, a date order, or a sign. Check what you import. Your bank’s own record is the authoritative one, not ours.

What we do not promise

Kharcha is provided as it is. We do not promise it will be available without interruption, free of bugs, or that it will read every statement format correctly. Features can change or be withdrawn.

We keep backups, but you should not treat Kharcha as the only copy of anything that matters to you.

Who owns what

Your data is yours. The budgets, transactions and notes you enter belong to you. You give us only the permission needed to store and show them back to you, and to run the service.

Kharcha is ours. The software, the name, and the design belong to us. Using the service does not transfer any of it.

Ending it

You can delete your account whenever you like, from Settings, in the app or on the web. It is immediate and it cannot be undone.

We can end or suspend your access if you break these terms, or if we stop running the service. If we shut Kharcha down, we will give reasonable notice and a way to export your data first.

Liability

To the extent the law allows, we are not liable for indirect or consequential loss, lost profits, or lost data arising from your use of Kharcha. Where liability cannot be excluded, it is limited to what you paid us in the twelve months before the claim — which, while everything is free, is nothing.

Nothing here limits liability for fraud, or for anything else that cannot lawfully be limited. Some consumer protections apply whatever this page says, and those are unaffected.

If you got it from the App Store

The iOS app is also covered by Apple’s standard Licensed Application End User License Agreement. Where that agreement and this page disagree about the app itself, Apple’s wins. Everything here still governs the web app and this site.

Which means, in Apple’s own terms:

• This agreement is between you and us, not Apple. Apple is not responsible for Kharcha or its contents.
• Apple has no obligation to provide maintenance or support for Kharcha.
• If the app fails to conform to any warranty, you can tell Apple and Apple will refund the purchase price — nothing, in our case. Beyond that refund, Apple has no warranty obligation whatsoever.
• Apple is not responsible for addressing any claim you or anyone else has about the app: product liability, a failure to meet a legal requirement, or consumer protection. Those come to us.
• If someone claims the app infringes their intellectual property, we handle it, not Apple.
• You confirm you are not in a country subject to a US Government embargo, and are not on any US Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms, and may enforce them against you.

Governing law

These terms are governed by the laws of Nepal, and the courts of Nepal have jurisdiction — without taking away any protection you have under the law of the country you live in.

If we change these terms in a way that matters, we will say so here and move the date at the top. Continuing to use Kharcha after a change means the new version applies.

Contact

Anything about these terms: hello@merokharcha.com.