Terms of Service

Effective date: March 13, 2026

1. Introduction
   Welcome to Monexa: Expense Budget Tracker (“Monexa”, “we”, “us”, or “our”). These Terms of Service (“Terms”) govern your access to and use of the Monexa mobile application and related website features (the “App” and “Site”). By downloading, installing, or using the App or accessing the Site, you agree to these Terms. If you do not agree, do not use the App.

2. Who we are
   Monexa is published and operated by Roopa Priya B (individual / sole proprietor). Website: https://www.monexainfo.com. Contact: b.roopapriya@gmail.com.

3. Scope of the service; non‑financial clarification
   Monexa provides personal finance management tools (expense tracking, budgets, reports). Monexa is an informational tool only and does NOT provide financial products, lending, credit, investment advice, or brokerage services. Any figures, forecasts, or examples are illustrative and not offers of credit or investment.

4. License to use the App
   Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use the App on devices you own or control. All intellectual property in the App and Site remains our property or that of our licensors.

5. Eligibility and account security
   You must be legally able to enter into contracts in your jurisdiction. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use.

6. User data, privacy and backups
   You retain ownership of the data you enter. Our handling of personal data is governed by our Privacy Policy: https://www.monexainfo.com/privacy-policy. You are responsible for backups you choose to create; encrypted backup and sync features are optional and controlled by you.

7. Payments, subscriptions and in-app purchases
   If the App offers paid features or subscriptions, purchases are processed by the platform store (e.g., Google Play) and are subject to the store’s payment terms. You agree to the store’s billing and refund policies in addition to these Terms.

8. Prohibited uses
   Do not use the App to collect or transmit illegal content, impersonate others, attempt to access other users’ accounts, or reverse-engineer the App. Do not attempt to use Monexa to solicit loans, credit, or other regulated financial products.

9. Third-party services and links
   The App or Site may include links to third-party services. We do not control or endorse those third parties and are not responsible for their content or practices.

10. Disclaimers
    The App is provided “as-is” and “as-available.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT. We do not guarantee accuracy of user-provided data or third-party content.

11. Limitation of liability
    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MONEXA, ITS OWNER, OR AFFILIATES BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR BUSINESS, ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our aggregate liability for direct damages will not exceed the amounts you paid to us in the prior 12 months (if any), or a nominal sum where prohibited by law.

12. Indemnification
    You agree to indemnify and hold harmless Monexa, its owner, and affiliates from any claims, losses, liabilities, damages, or costs (including reasonable attorneys’ fees) arising from your misuse of the App, violation of these Terms, or infringement of any rights.

13. Termination and suspension
    We may suspend or terminate access to the App for violation of these Terms or for any lawful reason, with or without notice. Upon termination, your right to use the App ends and certain features may become inaccessible.

14. Changes to these Terms
    We may modify these Terms; material changes will be posted on the Site or within the App with a revised effective date. Continued use after changes constitutes acceptance.

15. Governing law and dispute resolution
    These Terms are governed by the laws of India. Any dispute arising hereunder will be resolved in the courts of the owner’s jurisdiction, unless otherwise required by applicable law.

16. Severability and waiver
    If a court finds any provision of these Terms unenforceable, the remainder remain in effect. Failure to enforce any right is not a waiver.

17. Entire agreement
    These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and Monexa regarding the App.

18. Contact information
    For questions, support, or legal requests:

• Email: b.roopapriya@gmail.com

• Website: https://www.monexainfo.com

Acceptance: By using Monexa you acknowledge you have read, understood, and agree to these Terms.