FinGenius Terms And Conditions

Please read these Terms & Conditions ("Terms") carefully before using the FinGenius: EMI & Dues Tracker mobile application operated by us ("we", "us", or "our").

By downloading, accessing, or using the App, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the App.

1. Description of Service

FinGenius: EMI & Dues Tracker provides tools and utility software for personal finance calculations, budgeting estimations, and local task reminders, including:

  • Loan and EMI calculators
  • Fixed Deposit (FD), Recurring Deposit (RD), and Systematic Investment Plan (SIP) calculators
  • Loan comparison, prepayment simulator, debt payoff planner, and credit card payoff calculator
  • Loan affordability checker
  • Local device reminders for loan EMIs, credit card bills, and recurring expenses

Key Operational Clarifications:

  • No Financial Services / Non-Lender: The App is purely a offline-first utility and calculation software. It is not a bank, financial institution, money lender, debt collector, or loan broker.
  • No Account Linking: The App does not connect to your bank accounts, credit cards, or external financial portals.
  • Local Data Storage: All data entered (loan amounts, interest rates, bill reminders, card limits) is stored locally on your device. We do not host or store your financial figures on our servers.

2. Financial Disclaimer (Not Advice)

  • Informational Purpose Only: All calculation outcomes, schedules, projections, and estimates provided by the App are for general informational, educational, and illustrative purposes only.
  • No Professional Advice: The content provided within the App does not constitute financial, legal, tax, or investment advice.
  • Accuracy of Figures: While we strive to maintain accurate mathematical formulas, exact financial outcomes (such as actual EMI figures, compounding values, or bank fees) depend on specific lender terms, compounding frequencies, rounding practices, and interest rate changes.
  • User Responsibility: You should verify all figures independently with a qualified financial advisor or your respective lending institution before making financial decisions or commitments.

3. Intellectual Property Rights

  • Ownership: The App, including but not limited to its visual design, software code, branding, layout, features, and graphics, is the exclusive property of the developer and is protected by applicable intellectual property and trade secret laws.
  • Limited License: We grant you a revocable, non-exclusive, non-transferable, limited license to download and use the App solely for personal, non-commercial purposes on mobile devices owned or controlled by you.
  • Restrictions: You agree not to:
    • Modify, reverse-engineer, decompile, or disassemble the App or any part of it.
    • Re-sell, sub-license, distribute, lease, or commercially exploit the App or its code.
    • Remove or alter any proprietary notices, copyright tags, or branding embedded in the App.

4. User Responsibilities & Acceptable Use

By using the App, you agree to:

  • Use the App in compliance with all applicable local, national, and international laws and regulations.
  • Maintain the physical security of your mobile device, as your financial calculations and reminder settings are saved directly in local device storage.
  • Refrain from attempting to bypass, hack, disable, or interfere with security features, ad delivery features, or API limits of the App or its underlying third-party SDKs.

5. Third-Party Services & Advertisements

  • Ad-Supported Model: The App is provided for free and is supported by advertisements. We use third-party advertising partners, including Google AdMob and its mediation partners (such as Meta Audience Network, AppLovin, and Unity Ads).
  • Third-Party Content: Advertisements or links to external websites within the App are managed by third parties. We do not endorse, guarantee, or assume responsibility for any product, loan offer, or service advertised by third-party sponsors.
  • Third-Party Terms: Your interaction with third-party service providers (including ad networks and analytics platforms like Google Firebase) is governed by their respective terms of service and privacy policies.

6. Notifications & Local Reminders

  • Local Delivery: EMI and bill reminders created within the App rely on local, on-device push notification systems provided by your operating system (e.g., iOS / Android).
  • No Obligation / Guarantee: We are not liable for missed payments, accrued interest, late fees, penalties, or credit score impacts resulting from failed, delayed, or dismissed notifications (e.g., due to device battery saver modes, OS updates, app uninstallation, or disabled notification permissions).

7. Disclaimer of Warranties

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • GUARANTEES THAT THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, OR ERROR-FREE.
  • GUARANTEES THAT CALCULATIONS OR SIMULATIONS WILL EXACTLY MATCH LENDER PROPOSALS OR FINANCIAL INSTITUTION INVOICES.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF MONEY, LOSS OF DATA, LATE FEES, PENALTIES, INCORRECT CALCULATIONS, OR BUSINESS INTERRUPTION) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP.

YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE APP IS TO UNINSTALL AND STOP USING THE APP.

9. Termination & Modifications to the Service

  • App Updates & Changes: We reserve the right to modify, update, suspend, or discontinue any feature or portion of the App at any time without prior notice or liability.
  • Termination: You may terminate your agreement to these Terms at any time simply by deleting and uninstalling the App from your device.

10. Governing Law & Dispute Resolution

  • These Terms shall be governed by and construed in accordance with the laws applicable in your jurisdiction, without regard to its conflict of law provisions.
  • Any disputes or claims arising out of or relating to the App shall be resolved through good-faith negotiation by contacting us first at milanchatrola8@gmail.com.

11. Changes to Terms & Conditions

We reserve the right to revise or update these Terms at any time. When updates occur, we will refresh the "Effective Date" at the top of this document. Continued use of the App following any posted changes constitutes your acceptance of the revised Terms.

12. Contact Information

If you have any questions or concerns regarding these Terms & Conditions, please contact us at:

Email: milanchatrola8@gmail.com

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This Privacy Policy explains what information FinGenius: EMI & Dues Tracker collects, how it is used, who it is shared with, and the choices you have. By using the App you acknowledge this Policy. If you do not agree, please do not use the App. 1. What the App does (and does not do) FinGenius: EMI & Dues Tracker is a set of financial calculators and personal reminders: loan and EMI calculators, fixed/recurring deposit and SIP calculators, a loan comparison tool, a prepayment simulator, a debt payoff planner, a credit card payoff calculator, a loan affordability checker, and reminders for loan EMIs, credit card bills and other bills. The App does not lend money, broker loans, or connect to your bank or card accounts . The App has no sign-up or login . We do not ask for your name, phone number, address, government ID, or PAN/Aadhaar. The App never asks for or stores credit/debit card numbers, CVV, expiry dates, PINs, or passwords . Credit card entries are only a nickname, an opti...
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