Terms of Service

Last updated: February 2026

1. Acceptance of Terms

By downloading, installing, or using Mudra Manager, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.

2. Description of Service

Mudra Manager is a personal finance management application that helps you track expenses, manage budgets, and achieve financial goals. The app operates locally on your device and does not require an internet connection for core functionality.

3. User Responsibilities

You agree to:

  • Provide accurate information when using the app
  • Keep your device secure and protected
  • Not use the app for any illegal purposes
  • Not attempt to reverse engineer or modify the app
  • Maintain backups of your important financial data

4. Free Service

Mudra Manager is currently provided free of charge. We may introduce optional premium features in the future, but core functionality will always remain free.

5. Data and Privacy

All your financial data is stored locally on your device. We do not have access to your data. You are responsible for backing up your data. Please refer to our Privacy Policy for more details.

6. SMS Permissions

The app requests SMS permissions to automatically detect financial transactions. This feature is optional and can be disabled at any time. SMS data is processed locally and never transmitted to our servers.

7. Disclaimer of Warranties

Mudra Manager is provided "as is" without warranties of any kind. We do not guarantee that:

  • The app will be error-free or uninterrupted
  • All SMS transactions will be detected accurately
  • The app will meet your specific requirements
  • Data will never be lost (please maintain backups)

8. Limitation of Liability

We are not liable for any damages arising from your use of the app, including but not limited to data loss, financial decisions based on app data, or device issues.

9. Financial Advice Disclaimer

Mudra Manager is a tool for tracking and organizing your finances. It does not provide financial, investment, or tax advice. Always consult with qualified professionals for financial decisions.

10. Updates and Changes

We may update the app and these terms from time to time. Continued use of the app after updates constitutes acceptance of the new terms.

11. Termination

You may stop using the app at any time by uninstalling it from your device. We reserve the right to discontinue the app at any time.

12. Governing Law

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

13. Contact Information

For questions about these Terms of Service, contact us at:

support@mudramanager.com