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Terms of Service

Last updated: May 10, 2026

Please read these Terms of Service carefully before using UdharTrack. These terms establish the rules for using our service and outline the responsibilities of both you and UdharTrack. Using the app means you agree to these terms.

1. Acceptance of Terms

  • By accessing or using UdharTrack, you agree to be bound by these Terms of Service.
  • If you do not agree to these terms, please do not use the service.
  • These terms apply to all users, including visitors, registered users, and premium subscribers.

2. Description of Service

  • UdharTrack is a personal finance management tool for tracking informal loans, EMI schedules, payment history, and sending reminders.
  • The service is provided "as is" and may be updated or modified at any time.
  • Features may change, be added, or removed without prior notice.

3. Account Registration

  • You must provide accurate and complete information when creating an account.
  • You are responsible for maintaining the security of your account credentials.
  • You must notify us immediately of any unauthorised access to your account.
  • One person or business entity may not maintain more than one free account.
  • You must be at least 18 years old to use UdharTrack.

4. Acceptable Use

  • You may only use UdharTrack for lawful personal or business financial record-keeping.
  • You must not use UdharTrack to facilitate illegal lending, fraud, harassment, or extortion.
  • You must not attempt to reverse engineer, scrape, or otherwise compromise the service.
  • You must not use automated scripts or bots to access the service.
  • You are solely responsible for the accuracy of the financial records you enter.

5. Financial Disclaimer

  • UdharTrack is a record-keeping tool only. It does not provide financial, legal, or tax advice.
  • We are not a licensed financial institution, bank, or lending service.
  • The app does not process real money transfers or payments between users.
  • Any disputes between lenders and borrowers are solely between those parties. UdharTrack is not liable.
  • Always consult a qualified financial or legal professional for advice specific to your situation.

6. WhatsApp Reminders

  • By using the reminder feature, you confirm you have the consent of the recipient to receive messages.
  • You must not use the reminder feature to harass, threaten, or spam contacts.
  • UdharTrack is not responsible for how WhatsApp delivers or filters messages.
  • Misuse of the reminder feature may result in account suspension.

7. Intellectual Property

  • UdharTrack, its logo, design, and codebase are the intellectual property of Ashish Kawade.
  • You retain ownership of the data you enter into the app.
  • By using the service, you grant us a limited licence to store and process your data to provide the service.
  • You may not copy, reproduce, or redistribute any part of UdharTrack without written permission.

8. Privacy

  • Your use of UdharTrack is also governed by our Privacy Policy, which is incorporated into these terms.
  • By using the service, you consent to the data practices described in our Privacy Policy.

9. Limitation of Liability

  • UdharTrack is provided without warranties of any kind, express or implied.
  • We are not liable for any loss of data, financial loss, or indirect damages arising from use of the service.
  • Our total liability to you shall not exceed the amount you paid us in the 12 months prior to the claim.
  • We are not responsible for third-party service disruptions (Google, WhatsApp, Supabase) that affect the app.

10. Account Termination

  • You may close your account at any time from the Settings page.
  • We reserve the right to suspend or terminate accounts that violate these terms.
  • Upon termination, your data will be deleted within 30 days as per our Privacy Policy.

11. Changes to Terms

  • We may update these Terms of Service from time to time.
  • Significant changes will be communicated via email or in-app notification.
  • Continued use of UdharTrack after changes constitutes acceptance of the new terms.

12. Governing Law

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

13. Contact

  • For questions about these Terms, contact us at: support@udhartrack.com
  • For legal notices, use the same address with "Legal" in the subject line.
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