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Easy Finance

Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By creating an account or using Easy Finance, you agree to be bound by these Terms of Service. If you do not agree, please do not use the service.

2. Description of Service

Easy Finance is a personal and family finance tracking application that allows you to record income, expenses, investments, recurring payments, loans, insurance policies, budgets, and planner items. The app provides dashboards, reports, tax calculations, document storage, receipt scanning, will & legacy management, CA (Chartered Accountant) data sharing, and family finance features including shared expense tracking, fund planning, and HUF management.

3. Account Responsibilities

  • You are responsible for maintaining the security of your account credentials and MPIN.
  • You must provide accurate information when creating your account.
  • You are responsible for all activity that occurs under your account.
  • If you use the family feature as an admin, you are responsible for the data you enter about family members and for managing CA access permissions.
  • If you use the Will feature, you are responsible for the accuracy and completeness of will content and nominee information.

4. Subscription & Billing

4.1 Pricing Tiers

Easy Finance offers five subscription tiers:

  • Free (₹0): 100 transactions/month, basic tracking.
  • Lite (₹79/month or ₹749/year): Unlimited transactions, full reports, recurring tracker.
  • Pro (₹151/month or ₹1,499/year): Adds tax optimizer, AI features, unlimited documents.
  • Family Pro (₹151/month base + add-ons): Family finance dashboard, shared budgets, CA access.
  • Elite (₹499/month or ₹4,999/year): HUF management, Will included, 2 CAs, priority support.

4.2 Add-ons (Family Pro and Elite)

  • Family members: ₹100/member/month (non-earning), ₹120/member/month (earning).
  • CA access: First 30 calendar days free per CA, then ₹100/CA/month via automatic billing.
  • Will / Legacy Vault: ₹79/month (included in Elite).

4.3 Free Trial

A 30-day free trial is available for Pro, Family Pro, and Elite tiers. No trial is offered for Lite. Your subscription begins immediately after the trial period unless canceled.

4.4 Annual Billing

Annual plans are charged as a single payment. Access continues until the end of the paid period on cancellation. Annual charges are non-refundable except where required by applicable law.

4.5 Payment Methods

We accept UPI Autopay (via NACH mandate), credit cards, and debit cards processed by Stripe India.

4.6 Invoices

Tax invoices are emailed to your registered address after each successful payment.

4.7 GST

All displayed prices are inclusive of 18% Goods and Services Tax (GST). Tax invoices are issued on request. Once GST-registered, Easy Finance may transition to exclusive (pass-through) GST pricing with 30 days' prior notice to subscribers.

We reserve the right to change pricing with 30 days' notice. Existing subscriptions are honoured until their next renewal date.

5. Acceptable Use

You agree not to:

  • Use the service for any unlawful purpose or in violation of any applicable laws.
  • Attempt to gain unauthorised access to other users' accounts or data.
  • Interfere with or disrupt the service or its infrastructure.
  • Use automated systems (bots, scrapers) to access the service without permission.
  • Upload malicious content or attempt to exploit vulnerabilities.
  • Upload fraudulent, illegal, or harmful documents to the document vault.
  • Abuse the AI scanning feature by submitting content unrelated to financial transactions.

6. Will & Legacy Feature

The Will & Legacy feature is a digital record-keeping tool only. It does not constitute legal advice and does not create a legally binding will under Indian Succession Act, 1925 or any other applicable law.

  • You should consult a qualified legal professional to create a legally valid will.
  • Easy Finance is not responsible for the legal validity or enforceability of any will content stored in the app.
  • Nominee designations in the app are for personal reference only and do not replace legal nominee registrations with financial institutions.

7. CA Access

When you invite a Chartered Accountant to view your data:

  • You are granting them read-only access to the specific sections you select.
  • Easy Finance does not verify the identity, credentials, or professional standing of any CA you invite. You are responsible for ensuring the person you invite is a trusted professional.
  • You can revoke CA access at any time from Settings. Revocation takes effect immediately.
  • Easy Finance is not responsible for how a CA uses the data you share with them.

8. AI Features & Scanning

The Scan & Import feature uses AI (Google Generative AI / Gemini) to extract transaction details from images:

  • AI-extracted data is provided as suggestions. You are responsible for reviewing and confirming accuracy before saving.
  • We do not guarantee the accuracy, completeness, or correctness of AI-extracted data.
  • Images are processed through Google's API. See our Privacy Policy for details on image handling.

9. Planner & Udhar

The Planner feature including shopping lists, expense plans, and udhar (lend/borrow) tracking is a personal record-keeping tool. Udhar records do not constitute legal evidence of debt. For amounts of legal significance, we recommend maintaining proper legal documentation.

10. Financial Disclaimer

Easy Finance is a tracking and recording tool only. It does not provide financial advice, tax advice, investment recommendations, or accounting services. The tax calculators, savings tips, and regime comparisons are for informational purposes and should not be treated as professional tax advice. The data you enter is self-reported and we do not verify its accuracy. You should consult a qualified financial professional for financial decisions.

We are not responsible for any financial decisions made based on information displayed in the app, including tax calculations, regime recommendations, or investment gain/loss figures.

11. Data and Privacy

Your use of Easy Finance is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.

12. Service Availability

We strive to keep Easy Finance available at all times, but we do not guarantee uninterrupted access. The service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

13. Limitation of Liability

To the maximum extent permitted by law, Easy Finance and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or financial losses arising from your use of the service.

The service is provided “as is” and “as available” without warranties of any kind, either express or implied.

14. Termination

You may delete your account at any time from Settings. If you have an active subscription, it will be cancelled and you will retain access until the end of the billing period. We reserve the right to suspend or terminate accounts that violate these terms. Upon termination, your data will be handled in accordance with our Privacy Policy.

15. Changes to Terms

We may update these terms from time to time. Changes will be posted on this page with an updated date. Continued use of the service after changes constitutes acceptance of the new terms.

16. Governing Law

These terms are governed by the laws of India, including the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000. Any disputes arising from these terms or the use of Easy Finance shall be subject to the exclusive jurisdiction of the courts in India.

17. Contact

For questions about these terms, please contact us at support@easyfinance.app.