Terms of ServiceTerms of Service

By downloading, accessing, or using BalanceMitra ("the App"), you agree to be bound by these Terms of Service. If you do not agree, do not use the App.

BalanceMitra provides personal and community expense tracking, bill splitting, and financial reporting tools. The App does not constitute financial advice.

• You must be at least 13 years old to create an account.
• You are responsible for maintaining the confidentiality of your credentials.
• You agree to provide accurate, current, and complete information.
• One person may not maintain more than one account.

You agree NOT to:

• Use the App for illegal purposes or to facilitate fraud.
• Attempt to gain unauthorized access to other accounts or systems.
• Upload malicious content or interfere with the service.
• Scrape, reverse-engineer, or copy any part of the App.
• Impersonate another person or entity.

You retain ownership of the data you enter. By using the App, you grant us a limited license to store, process, and transmit your content solely to provide the service.

The BalanceMitra name, logo, and all software are our intellectual property. You may not use our branding without prior written consent.

• The App is provided "AS IS" without warranties of any kind.
• We do not guarantee uninterrupted or error-free service.
• BalanceMitra is not a financial institution and does not process payments.
• We are not responsible for disputes between users regarding owed amounts.

To the fullest extent permitted by law, BalanceMitra shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App.

We may suspend or terminate your account if you violate these terms. You may delete your account from Profile → Delete Account in the App, or follow the instructions at balancemitra.com/delete-account. Shared ledger entries may remain for other members as described in the Privacy Policy.

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.

We reserve the right to modify these terms at any time. Continued use of the App after changes constitutes acceptance.

Questions about these terms? Reach us at support@balancemitra.com