Legal

Terms of Service.

Effective: 09 Nov 2026Version 2.16-min read

Plain-English version: use Monidhi for your own finances, don't try to hack or resell it, and we'll do our best to keep it running. These terms are the formal version of that.

1. Acceptance

By creating an account or using Monidhi (the "Service"), you agree to these Terms. If you don't agree, please stop using the Service. These Terms form a binding contract between you and Monidhi App ("we", "us").

2. Your account

You must be at least 18 years old, or have a parent/guardian's consent, to use Monidhi. You're responsible for keeping your sign-in credentials private. If you suspect unauthorized access, write to support@monidhi.com and we'll lock the account.

You may have one personal account. Sharing a login with others is not permitted.

3. Acceptable use

Use Monidhi for tracking your own personal finances. You agree not to:

Use the Service to launder money, evade tax, or do anything illegal in your jurisdiction.
Reverse-engineer, decompile, or scrape the Service beyond what local law permits.
Interfere with other users, our servers, or our service providers.
Use the Service to keep records for a business you operate.

4. Intellectual property

Monidhi, the wordmark, and the Service are owned by us. You keep all rights to the content you create (transactions, notes, categories). By using Monidhi you grant us a limited license to process that content for the purpose of running the Service — nothing more.

5. Warranties & liability

We provide Monidhi "as is" and work hard to make it reliable, but we can't guarantee it will be error-free or always available. To the maximum extent permitted by law, our total liability for any claim arising out of the Service is limited to INR 5,000.

Monidhi is a personal finance journal — not a regulated financial product, broker, or advisor. We don't provide investment, tax, or accounting advice. Decisions based on numbers in Monidhi are yours.

6. Termination

You can delete your account at any time, in the web app under Settings → Profile or in the mobile app from your profile. That deletes it immediately and permanently, so export anything you want to keep first. If you can't sign in, email privacy@monidhi.com; we suspend the account straight away and delete it 30 days later. Our account deletion page has the details.

We may suspend or terminate accounts that violate these Terms, after notice where reasonable. A terminated account is deleted 30 days after we suspend it. During those 30 days you can write to privacy@monidhi.com for a copy of your transactions.

7. Governing law

These Terms are governed by the laws of India. Disputes will be resolved in the courts of Kochi, Kerala. If you're a consumer in a jurisdiction with mandatory consumer-protection laws, those laws apply on top of these Terms.

8. Changes to these Terms

We'll email you and post a banner in the app at least 14 days before any material change. Continued use after the effective date means you accept the new Terms. If you don't, you can close your account before they take effect.