Terms and Conditions
Last updated: August 10, 2025
1. Acceptance of Terms
By downloading, installing, or using the Kharcha mobile application, you agree to be bound by these Terms and Conditions. If you do not agree, you must stop using the app immediately.
2. Description of Service
Kharcha is a smart finance tracking app that reads transaction-related SMS messages on your device to calculate amounts received or paid across multiple accounts, cards, wallets, and investments. All processing happens locally on your device, and data is never shared without your explicit consent.
3. User Responsibilities
- Ensure the accuracy of your device’s time, date, and SMS permissions for correct tracking.
- Keep your device secure to protect your personal and financial information.
- Use Kharcha only for lawful purposes and personal finance tracking.
- You are solely responsible for decisions made based on data or insights provided by the app.
4. Privacy and Data
Your privacy is our priority. Kharcha does not upload or share your SMS or financial data. Please review our Privacy Policy to understand how your information is handled and secured.
5. Intellectual Property
The Kharcha app, including its design, algorithms, features, and branding, is owned by Codex Collab and protected by intellectual property laws. You may not copy, modify, reverse engineer, or distribute any part of the app without written permission.
6. Limitation of Liability
Kharcha is provided “as is” without warranties of any kind. We are not responsible for any losses, including financial losses, arising from your use of the app or from reliance on insights provided by it.
7. Modifications
We may update these Terms and Conditions at any time. Any changes will take effect immediately upon being posted in the app. Continued use of Kharcha means you accept the updated terms.
8. Termination
We reserve the right to suspend or terminate your access to the app if you violate these terms or engage in activities harmful to other users or the app’s integrity.
9. Contact Information
If you have any questions about these Terms and Conditions, you can contact us at codexcollab@gmail.com.