1. Acceptance of Terms
By downloading, installing, or using the Paisa Note mobile application ("App"), formerly known as mMoney, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App. Paisa Note is the same account and app as mMoney, renamed.
These Terms constitute a legally binding agreement between you and Anshika ("Service Provider") regarding your use of the App.
2. Description of Service
Paisa Note is a personal money organiser that allows users to:
- Record personal and group expenses
- Split bills and expenses with friends and family
- Manage budgets and savings goals
- Optionally add bank transaction messages automatically to keep a record of what was already spent
The app does not move money or connect directly to your bank; it only helps you keep a record of what you already spent.
The App is provided as a freemium service with both free and premium features available.
3. User Accounts and Registration
3.1 Account Creation
To use certain features of the App, you must create an account by providing accurate, current, and complete information.
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
3.3 Age Requirement
You must be at least 13 years old to use the App. If you are under 18, you must have parental or guardian consent to use the App.
4. Acceptable Use
You agree to use the App only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the App for any fraudulent or illegal activities
- Attempt to gain unauthorized access to the App or other users' accounts
- Interfere with or disrupt the App's functionality
- Share your account credentials with others
- Use the App to harass, abuse, or harm other users
- Upload or transmit malicious code or content
5. Financial Information and Transactions
5.1 Expense Tracking
The App allows you to track and manage expenses. You are responsible for the accuracy of all financial information you enter.
5.2 No Financial Advice
The App provides tools for expense management but does not constitute financial advice. Always consult with qualified financial professionals for financial decisions.
5.3 Payment Processing
The App may integrate with third-party payment processors. All payment transactions are subject to the terms and conditions of these third-party services.
6. User-Generated Content
You retain ownership of content you create within the App. By using the App, you grant the Service Provider a license to use, store, and display your content solely for the purpose of providing the App's services.
You are responsible for ensuring that your content does not violate any third-party rights or applicable laws.
7. Premium Features and Subscriptions
7.1 Subscription Plans
Paisa Note Premium is an optional subscription. Its only benefit is:
- Ad-free experience — no ads anywhere in the app
All other app features (expense tracking, splitting, budgets and goals) are free and unlimited whether or not you subscribe.
7.2 Subscription Terms and Billing
By purchasing a subscription, you agree to the following terms:
- Subscription fees are charged in advance on a recurring basis
- Billing occurs through your device's app store (Google Play Store or Apple App Store)
- All subscription fees are non-refundable except as required by law
- Subscription prices may change with 30 days' notice
- Taxes may be added to subscription fees where applicable
7.3 Auto-Renewal Policy
Important: Auto-Renewal Information
Your subscription will automatically renew unless cancelled before the renewal date. This means:
- Your subscription will continue indefinitely until you cancel it
- You will be charged the subscription fee for each renewal period
- Renewal charges occur automatically on your billing date
- No additional confirmation is required for renewal
7.4 Cancellation and Refunds
You can cancel your subscription at any time through the following methods:
- Google Play Store: Go to Google Play Store → Account → Subscriptions → Paisa Note → Cancel
- Apple App Store: Go to Settings → Apple ID → Subscriptions → Paisa Note → Cancel
- App Settings: Within the Paisa Note app, go to Settings → Subscription → Cancel
Refund Policy:
- Subscription fees are generally non-refundable
- Partial refunds may be available for technical issues or service disruptions
- Refund requests must be submitted within 14 days of the charge
- App store refund policies may apply and vary by platform
7.5 Subscription Changes and Upgrades
You may change your subscription plan at any time:
- Upgrades take effect immediately with prorated billing
- Downgrades take effect at the next billing cycle
- Plan changes can be made through the app or app store
- No refunds are provided for downgraded plans
7.6 Free Trial and Promotional Offers
Paisa Note may offer free trials or promotional pricing:
- Free trials automatically convert to paid subscriptions unless cancelled
- Promotional pricing is limited-time and may not be available for renewal
- You must cancel before the trial ends to avoid charges
- Only one free trial per account is allowed
7.7 Subscription Disputes
If you have billing disputes or questions about your subscription:
- Contact our support team at trei.mainguy@gmail.com
- Include your subscription details and issue description
- We will respond within 48 hours during business days
- For app store billing issues, contact the respective app store support
8. Third-Party Services
The App may integrate with third-party services such as:
- Google Sign-In for authentication
- Payment processors for financial transactions
- Analytics services for app improvement
Your use of these third-party services is subject to their respective terms of service and privacy policies.
9. Disclaimers and Limitations
9.1 Service Availability
The App is provided "AS IS" without warranties of any kind. The Service Provider does not guarantee that the App will be uninterrupted or error-free.
9.2 Limitation of Liability
To the maximum extent permitted by law, the Service Provider shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App.
10. Termination
You may terminate your account at any time by uninstalling the App or contacting the Service Provider.
The Service Provider may terminate or suspend your access to the App at any time for violations of these Terms or for any other reason.
11. Changes to Terms
The Service Provider reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting in the App or on the website.
Your continued use of the App after changes are posted constitutes acceptance of the modified Terms.
11a. Ending Your Account
You may delete your account at any time from Profile → Settings → Delete account in the app, or by emailing us. Deleting your account deletes your entries, accounts, goals, bank transaction messages, and any contact records kept from earlier versions. See the privacy policy for the full details.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts in India.
Contact Information
If you have any questions about these Terms of Service, please contact us at:
Email: trei.mainguy@gmail.com
Developer: Anshika
13. Effective Date
These Terms of Service are effective as of January 2025, and were last updated September 2026.