The short version. TrackMonez is a free record-keeping tool. It helps you note down what you spend and work out who owes what after a shared bill. It does not move money, it does not give financial advice, and it only knows what you type into it. Your expense tracking data lives on your phone and nowhere else — if you lose your phone, it is gone. Please read Sections 4, 13 and 14 carefully.
These Terms of Service ("Terms") are a legally binding agreement between you and Prasad Simpi, a sole proprietor trading as TrackMonez, having a place of business at Block No. 5, Room No. 831, Opposite Malwani Police Station, Malad West, Mumbai – 400095, Maharashtra, India ("we", "us", "our"), governing your use of the TrackMonez mobile application and related services (the "Service").
By downloading, installing, registering for or using the Service, you agree to these Terms and to our Privacy Policy, which forms part of these Terms. If you do not agree, do not use the Service.
These Terms constitute an electronic record under the Information Technology Act, 2000 and the rules made under it, and do not require any physical or digital signature.
To use the Service you must:
The Service is offered only in India and is intended only for users located in India. By using the Service you represent that you meet these requirements.
3.1 Registration. You register using your mobile number, which we verify by one-time password ("OTP"). You also choose a display name, which may be a nickname.
3.2 Your responsibility. You are responsible for keeping your device and your OTP secure, and for all activity that takes place under your account. Never share your OTP with anyone. We will never ask you for your OTP.
3.3 Accuracy. You agree to give us accurate information and to keep it up to date.
3.4 One account. You may hold only one account, and only using a mobile number you lawfully control.
3.5 Tell us. Email simpiprasad50@gmail.com immediately if you suspect unauthorised use of your account or lose the device linked to it.
4.1 What we provide. TrackMonez is a personal record-keeping tool with two parts:
4.2 We are not a financial institution. We are not a bank, non-banking financial company, payment aggregator, payment gateway, payment system operator, third-party application provider, investment adviser or any other regulated financial entity. We are not licensed or regulated by the Reserve Bank of India, the National Payments Corporation of India, or the Securities and Exchange Board of India.
4.3 WE DO NOT HANDLE MONEY. The Service does not process, hold, transfer, route, collect, settle or facilitate any payment whatsoever. Bill splitting is arithmetic and record-keeping only. If you owe money to someone in a group, or they owe you, you must settle it yourselves, entirely outside the Service, using whatever method you choose. Marking something as settled in the Service is a note that you or another member typed — it is not proof that any money actually moved, and we do not verify it in any way.
4.4 Not financial, investment, tax or legal advice. Nothing in the Service — no category, total, chart, budget, balance or summary — is financial, investment, tax, accounting or legal advice, or a recommendation to do or not do anything. The Service is for your personal information only. Consult a qualified professional before making any financial decision. Your financial decisions are yours alone.
4.5 Accuracy is your responsibility. The Service works only with what you and other users type into it. We do not check it against any bank, statement, invoice or any other source. Every total, balance and summary is only as accurate as what was entered. Do not rely on the Service as your authoritative financial record, for tax filings, for reconciliation with any bank, or in any legal proceeding. Always check against your official bank and card statements.
4.6 Disputes between members are yours to resolve. We are not a party to any arrangement, debt or obligation between you and any other user. We do not mediate, arbitrate, adjudicate, guarantee or enforce any amount recorded in the Service. If you disagree with someone about who owes what or whether they paid, you must sort it out with them directly.
4.7 Your expense tracking data is on your phone and nowhere else. There is no cloud backup and no multi-device sync. If you uninstall the Service, clear its data, reset your phone, or lose or damage your device, that data is permanently and irrecoverably lost. We cannot restore it because we never had it. Keeping your own backups is entirely your responsibility.
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to install and use the Service on a device you own or control, for your own personal, non-commercial use.
You may not:
You agree not to use the Service to:
7.1 You own your content. You keep all rights in what you enter into the Service ("Your Content"), including transactions, categories, budgets and group names.
7.2 Licence to us. You grant us a limited, royalty-free, non-exclusive licence to host, store, reproduce and display Your Content solely so far as necessary to operate the Service for you and for the other members of your groups. This licence ends when you delete the content or your account, subject to Section 12.4. We claim no other rights in Your Content.
7.3 Groups are shared. Everything you enter into a shared group is visible to every other member of that group. Once another member has seen it, you cannot un-share it.
7.4 Invite links are keys. An invite link gives whoever holds it the ability to join that group and see its records. You are solely responsible for who you send an invite link to and for anyone who obtains it from you, however that happens. Share invite links only with people you intend to include, and revoke a link if you no longer want it used.
7.5 You are responsible for what you enter. You represent that Your Content does not break any law or infringe anyone's rights.
7.6 We do not monitor, but we may act. We do not pre-screen or routinely monitor Your Content. We may, without being obliged to, review, refuse, remove or disable access to content we reasonably believe breaches these Terms or any law, and suspend or terminate accounts accordingly.
7.7 Reporting. Report anything unlawful or in breach of these Terms to simpiprasad50@gmail.com.
The Service — its software, design, interface, graphics, text, the name "TrackMonez" and all other materials other than Your Content — belongs to us or our licensors and is protected by Indian and international intellectual property law. Nothing in these Terms transfers ownership to you. You may not use our name or branding without our prior written permission.
9.1 The Service is provided free of charge. There are no subscriptions, no in-app purchases and no advertising.
9.2 If we ever introduce paid features, we will give you clear notice of the price and terms beforehand, and you will never be charged without your express agreement. Any purchase through the Google Play Store would also be subject to Google's terms and refund policies.
9.3 You are responsible for any charges from your mobile network operator or internet provider, including data charges and any charges for receiving OTP messages.
The Service runs on Google Firebase infrastructure, including Firebase Authentication, Cloud Firestore, Cloud Functions, Cloud Messaging, Crashlytics and Google Analytics for Firebase. Your use of the Service is also subject to Google's applicable terms. We are not responsible for the acts, omissions, availability, security or performance of any third-party service.
11.1 We do not guarantee that the Service will be available at all times, uninterrupted or error-free. It may be unavailable due to maintenance, updates, technical failures, or causes beyond our control.
11.2 We may modify, suspend, limit or discontinue the Service or any feature at any time. Where reasonably practicable we will give you advance notice of a discontinuation that materially affects you, and a reasonable chance to record your data.
11.3 We may require you to update to the latest version. Older versions may stop working.
12.1 Your right to terminate. You may stop using the Service and delete your account at any time, for any reason, without giving us any explanation. Use Settings → Account → Delete account in the App, or our account deletion page, or email simpiprasad50@gmail.com. You may also deactivate your account instead, which pauses it without deleting your data.
Note: uninstalling the App alone does not delete your account or your bill splitting data on our servers. It does, however, permanently delete your expense tracking data from your device.
12.2 Our right to terminate. We may suspend or terminate your account, with or without notice, if:
Where the reason is not a serious breach or a legal requirement, we will give you reasonable notice and a chance to put it right.
12.3 Effect of termination. Your licence ends immediately and your access to server-stored data ceases. Your expense tracking data stays on your device until you delete the App or clear its data — we cannot delete it for you.
12.4 Shared groups after you leave. Because bill splitting records belong jointly to a group, when you delete your account we remove your personal details and your past entries remain in the group shown as "Deleted user", so the other members' balances stay accurate. This is explained in Section 8.1 of our Privacy Policy.
12.5 Survival. Sections 4, 8, 13, 14, 15, 16 and any other provision that by its nature should survive, will survive termination.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND.
To the maximum extent permitted by applicable law, we expressly disclaim all warranties, conditions, representations and terms of any kind, whether express, implied, statutory or otherwise, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, title and non-infringement.
Without limiting the above, we do not warrant that:
No advice or information you obtain from us or through the Service creates any warranty not expressly stated in these Terms.
You use the Service entirely at your own risk, and you are solely responsible for any decision you make, and any loss you suffer, in reliance on it.
To the maximum extent permitted by applicable law:
14.1 No indirect loss. We will not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, or for any loss of profits, revenue, business, goodwill, opportunity, anticipated savings or data, however caused and under any theory of liability (contract, tort including negligence, statute or otherwise), even if we were advised such loss was possible.
14.2 Specific exclusions. Without limiting the above, we will not be liable for any loss or damage arising out of or relating to:
14.3 Aggregate cap. Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service, in any twelve-month period, will not exceed the greater of:
(a) the total amount you actually paid us for the Service in the twelve months before the event giving rise to the claim; or
(b) ₹1,000 (Rupees One Thousand only).
Because the Service is provided free of charge, you acknowledge that our aggregate liability is limited to ₹1,000.
14.4 Basis of the bargain. You acknowledge that the Service is provided to you free of charge, that these limitations are a reasonable allocation of risk, and that we could not offer the Service on these terms without them.
14.5 What we do not exclude. Nothing in these Terms excludes or limits our liability for (a) fraud or fraudulent misrepresentation, (b) death or personal injury caused by our negligence, (c) gross negligence or wilful misconduct, or (d) any other liability that cannot lawfully be excluded under Indian law. If any part of this Section 14 is held unenforceable, the rest continues to apply to the fullest extent permitted.
15.1 You agree to indemnify, defend and hold harmless Prasad Simpi, trading as TrackMonez, and his employees, contractors and agents, from and against all claims, demands, proceedings, losses, liabilities, damages, penalties, costs and expenses (including reasonable legal fees) arising out of or relating to:
15.2 We will notify you of any claim for which we seek indemnity and you will cooperate in defending it. We may, at our own expense, assume exclusive defence and control of any such matter, in which case you agree to cooperate. You may not settle any claim in a way that imposes any obligation or admission on us without our prior written consent.
15.3 This indemnity survives termination of your account and of these Terms.
16.1 Governing law. These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes), are governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
16.2 Jurisdiction. Subject to Section 16.3, the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Service, and you consent to the personal jurisdiction of those courts.
16.3 Talk to us first. Before starting any proceeding, you agree to first email simpiprasad50@gmail.com and try in good faith to resolve the matter informally, for thirty (30) days from the date of your written notice.
16.4 Your consumer rights are preserved. Nothing in this Section limits any right you have to approach a consumer forum under the Consumer Protection Act, 2019, or to complain to the Data Protection Board of India under the Digital Personal Data Protection Act, 2023.
In accordance with the Information Technology Act, 2000 and the rules made under it, and the Consumer Protection (E-Commerce) Rules, 2020:
| Grievance Officer | Prasad Simpi |
|---|---|
| simpiprasad50@gmail.com | |
| Address | Block No. 5, Room No. 831, Opposite Malwani Police Station, Malad West, Mumbai – 400095, Maharashtra, India |
| Response time | We aim to respond within 72 to 120 hours |
We may revise these Terms from time to time. If we make a material change, we will notify you in the App or at your registered mobile number at least 15 days before it takes effect, and update the "Last updated" date above.
If you do not agree to the revised Terms, your remedy is to stop using the Service and delete your account before the change takes effect. Continuing to use the Service after that date means you accept the revised Terms.
19.1 Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service, and supersede everything that came before.
19.2 Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent needed to make it enforceable, or severed if that is not possible. The rest continues in full force.
19.3 No waiver. Our failure to enforce any provision is not a waiver of it.
19.4 Assignment. You may not assign these Terms or your account. We may assign them in connection with a sale or transfer of the business, on notice to you.
19.5 Force majeure. We are not liable for any failure or delay caused by circumstances beyond our reasonable control, including acts of God, natural disaster, epidemic, war, civil unrest, government action, network or power failure, or failure of a third-party service provider.
19.6 Relationship. Nothing in these Terms creates a partnership, joint venture, agency, employment or fiduciary relationship between us.
19.7 Notices. We may notify you through the App, by SMS to your registered mobile number, or by email if you have given us one. You must give us notice in writing at simpiprasad50@gmail.com.
Prasad Simpi, trading as TrackMonez
Block No. 5, Room No. 831, Opposite Malwani Police Station, Malad West, Mumbai – 400095, Maharashtra, India
simpiprasad50@gmail.com