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Terms of Service

Effective date: April 24, 2026 · Last updated: April 24, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Aloke Tewary ("Developer," "we," "us," or "our"), governing your use of the Mudra Manager: Budget Tracker application ("the App") and the website at mudramanager.com ("the Website").

By downloading, installing, accessing, or using the App, you agree to be bound by these Terms and our Privacy Policy →. If you do not agree to these Terms, do not use the App.

2. Description of Service

Mudra Manager is a personal finance tracking application that operates primarily offline on your Android device. The App provides:

The App is a financial tracking tool only. It is not a bank, payment processor, financial advisor, tax consultant, or regulated financial service.

3. Eligibility

You must be at least 13 years of age (or the minimum age of digital consent in your jurisdiction) to use the App. By using the App, you represent and warrant that you meet this age requirement. If you are between 13 and 18 years of age (or the age of majority in your jurisdiction), you represent that your parent or legal guardian has reviewed and agreed to these Terms.

4. User Account

The App does not require or create any user account. There is no registration, no email verification, no phone number collection, and no login process. Your use of the App is entirely anonymous to us.

5. SMS & Notification Access

5.1 How It Works

The App offers an optional feature to automatically detect financial transactions by reading bank SMS and RCS notifications. This feature:

5.2 Accuracy Disclaimer

SMS/notification parsing is provided on a best-effort basis and is inherently imperfect. You acknowledge and agree that:

You are solely responsible for verifying the accuracy of all automatically imported transactions. The App is not a substitute for reviewing your bank statements. Do not rely solely on the App for financial record-keeping, tax filing, dispute resolution, or any purpose where transaction accuracy is critical.

5.3 Revocation

You may revoke Notification Access at any time through your device's Settings → Apps → Special Access → Notification Access. Previously imported transactions will remain in the App until you delete them.

6. Pricing & Subscriptions

6.1 Free Tier

Core features of the App are available free of charge with no time limitation. The free tier includes transaction tracking, budgets, goals, SMS auto-import, analytics, and export functionality.

6.2 Pro Upgrade

An optional Pro upgrade is available via Google Play's in-app purchase system, providing access to additional features such as unlimited accounts and advanced analytics. Pro pricing is displayed in the App and on Google Play in your local currency.

6.3 Billing & Refunds

All purchases are processed by Google Play. We do not directly handle payment information. Refund requests are governed by Google Play's refund policy →. For subscription cancellations, use Google Play → Subscriptions. We may, at our sole discretion, offer additional refunds for technical issues — contact support@mudramanager.com →

6.4 Price Changes

We reserve the right to modify Pro pricing at any time. Price changes will not affect existing active subscriptions until renewal. You will be notified of price changes through Google Play's standard notification mechanism before your next billing cycle.

7. Intellectual Property

7.1 Ownership

The App, including its source code, design, user interface, graphics, icons, logos, text, documentation, and all related intellectual property, is the exclusive property of Aloke Tewary and is protected by applicable copyright, trademark, and other intellectual property laws of India and international treaties.

7.2 Trademarks

"Mudra Manager," the Mudra Manager logo, and "Your money, your language, your rules" are trademarks of Aloke Tewary. You may not use these marks without prior written permission, except as necessary to refer to the App in a factual, non-misleading manner (e.g., in a review or article).

7.3 License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to install and use the App on Android devices that you own or control, solely for your personal, non-commercial financial tracking purposes.

7.4 Restrictions

You may not:

7.5 Your Data

You retain full ownership of all financial data you create or import into the App. We claim no ownership or license over your data. Since your data never leaves your device, we have no access to it.

8. User Responsibilities

You agree to:

9. Data Loss & Backup

Because all data is stored locally on your device:

You are solely responsible for maintaining backups of your financial data.

10. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the maximum extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to:

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Aloke Tewary from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

13. Not Financial Advice

The App is a tracking and organizational tool. Nothing in the App constitutes financial advice, tax advice, investment advice, or any other form of professional advice. Specifically:

14. Modifications to the App & Terms

14.1 App Updates

We may update the App from time to time to add features, fix bugs, improve performance, or comply with legal requirements. Updates are distributed through Google Play. We are not obligated to provide any specific updates, maintain backward compatibility, or continue supporting older versions.

14.2 Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Material changes will be noted in the App's changelog. Your continued use of the App after changes are posted constitutes acceptance of the modified Terms. If you disagree with any changes, your sole remedy is to stop using and uninstall the App.

15. Termination

16. Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to: natural disasters, pandemics, war, terrorism, government actions, power failures, internet disruptions, Google Play outages, or changes in Android OS that affect App functionality.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. The courts of competent jurisdiction in India shall have exclusive jurisdiction over any disputes arising from these Terms, subject to the dispute resolution provisions in Section 18.

18. Dispute Resolution

18.1 Informal Resolution

Before initiating any formal proceedings, you agree to first contact us at support@mudramanager.com → and attempt to resolve the dispute informally for at least 30 days.

18.2 Arbitration

If informal resolution fails, any dispute arising from or relating to these Terms or the App shall be resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (India). The arbitration shall be conducted by a sole arbitrator mutually agreed upon, in English, and the seat of arbitration shall be in India. The arbitrator's decision shall be final and binding.

18.3 Class Action Waiver

To the maximum extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

18.4 Exceptions

Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction for intellectual property infringement or other urgent matters.

19. Export Compliance

The App uses AES-256 encryption. You are responsible for compliance with any applicable export control laws and regulations in your jurisdiction related to the use of encryption software. The App is not intended for use in any jurisdiction where its use would be prohibited by law.

20. Open Source Acknowledgment

The App incorporates open-source software components, each governed by their respective licenses (MIT, BSD, Apache 2.0, etc.). A list of open-source licenses is available within the App under Settings → About → Open Source Licenses. These Terms do not limit your rights under applicable open-source licenses.

21. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

22. Entire Agreement

These Terms, together with the Privacy Policy →, constitute the entire agreement between you and us regarding the App and supersede all prior agreements, understandings, and communications, whether written or oral.

23. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by us to be effective.

24. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets.

25. Contact

For questions about these Terms:

Aloke Tewary
Email: support@mudramanager.com →
Website: mudramanager.com