Terms of Service

Last Updated: January 15, 2026

By downloading, installing, or using Smart Kharcha, you agree to be bound by these Terms of Service.

Note: These terms govern your use of the Smart Kharcha mobile application. Please read them carefully.

1. Acceptance of Terms

By accessing or using Smart Kharcha ("the App"), you agree to comply with and be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the App.

2. Description of Service

Smart Kharcha is a personal expense tracking application that allows users to:

Record income and expenses
Categorize transactions
View financial reports
Export data to CSV format
Manage personal finances offline

3. User Responsibilities

3.1 Appropriate Use

You agree to use the App only for lawful purposes and in accordance with these Terms. You shall not:

Use the App for any illegal activities
Attempt to reverse engineer or modify the App
Use the App to store sensitive financial information of others without consent
Use automated means to access or use the App

3.2 Data Accuracy

You are solely responsible for:

The accuracy of the financial data you enter
Maintaining backups of your exported data
Protecting your device from unauthorized access

4. Data Storage and Ownership

4.1 Local Storage

All data is stored locally on your device. You retain full ownership of:

All transaction data you enter
Categories you create
Export files you generate

4.2 Data Loss Disclaimer

Important: We are not responsible for any data loss that may occur due to:

Device malfunction or damage
Accidental deletion by the user
Device theft or loss
Operating system updates or changes
App updates or reinstalls

Recommendation: Regularly export your data using the built-in export feature.

5. Intellectual Property

The App, including its design, features, and content, is the property of AG App Solutions and is protected by copyright laws. You may not:

Copy, modify, or distribute the App without permission
Use the App's name or logo for commercial purposes
Create derivative works based on the App

6. Limitation of Liability

To the maximum extent permitted by law:

The App is provided "as is" and "as available"
We make no warranties about the accuracy or reliability of the App
We are not liable for any financial decisions made based on App data
We are not liable for any indirect, incidental, or consequential damages

7. No Financial Advice

Smart Kharcha is a tracking tool only. We do not provide:

Financial advice or recommendations
Investment guidance
Tax advice
Budgeting recommendations

You should consult with qualified financial professionals for financial advice.

8. Updates and Modifications

We reserve the right to:

Update or modify the App at any time
Change these Terms of Service
Discontinue the App or any features

Continued use of the App after changes constitutes acceptance of the new terms.

9. Termination

We may terminate or suspend your access to the App if you violate these Terms. Upon termination:

Your data remains on your device
You can continue to access your exported files
You must cease all use of the App

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

11. Dispute Resolution

Any disputes arising from these Terms shall first be attempted to be resolved through:

Direct communication via email
Mutual agreement and negotiation

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13. Entire Agreement

These Terms constitute the entire agreement between you and AG App Solutions regarding the use of Smart Kharcha.

14. Contact Information

For any questions about these Terms, please contact:

Email: agappsolutions25@gmail.com
App: Smart Kharcha
Developer: AG App Solutions

Thank you for choosing Smart Kharcha for your financial tracking needs.