Terms of Use

📋 1. Acceptance of Terms

By downloading, installing, or using the RitualMoney application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legal agreement between you and RitualMoney ("we", "us", "our"). They govern your use of the App available on the Google Play Store.

📱 2. What RitualMoney is

RitualMoney is a personal finance calculator designed to help Indian households estimate their financial resilience — specifically, how many months a household could survive financially if regular income were to stop.

The App includes:

• A stability score calculator based on user-provided income, expenses, EMIs, and savings
• A micro-savings tracker called Tijori
• An impulse purchase evaluation tool called Impulse Shield
• Daily habit tracking features (Rituals)
• Local notifications for savings reminders

⚖️ 3. Not financial advice

The stability scores, projections, suggested actions, and any other outputs generated by RitualMoney are based solely on the numbers you enter. They are estimates intended to increase your financial awareness.

The calculations use simplified models. They do not account for:

• Market fluctuations in investment values
• Tax implications of liquidating assets
• Inflation adjustments over time
• Emergency expenses that may arise
• Changes in income, expenses, or EMIs after the calculation date

🔑 4. License to use

We grant you a personal, non-exclusive, non-transferable, revocable, limited license to use the RitualMoney App on an Android device that you own or control, solely for your personal, non-commercial use, in accordance with these Terms.

This license does not include the right to:

• Modify, adapt, translate, or create derivative works of the App
• Reverse engineer, decompile, or disassemble the App
• Sublicense, sell, resell, transfer, or commercially exploit the App
• Use the App to build a competing product or service

✅ 5. Permitted and prohibited use

You may:

• Use the App for your own personal financial awareness
• Share your stability score with others (e.g. via the share feature)
• Use the App on multiple personal devices
• Use the core App without creating an account — optional accounts may be available for users who want additional features

You may not:

• Use the App for any unlawful purpose
• Attempt to hack, probe, or test the security of the App
• Introduce malware, viruses, or harmful code into the App
• Use automated tools to access or scrape the App
• Misrepresent RitualMoney's calculations as professional financial advice
• Use the RitualMoney name, logo, or brand without written permission

🔢 6. Accuracy of calculations

RitualMoney's stability score is calculated from the data you enter. The accuracy of the output depends entirely on the accuracy and completeness of your inputs.

We make no warranty that:

• The calculation methodology is appropriate for your specific financial situation
• The stability score will accurately predict your ability to survive a period without income
• The suggested actions will produce the projected improvements in your score

The App is provided as a starting point for financial self-awareness, not as a precise financial forecast.

🛡️ 7. Limitation of liability

To the maximum extent permitted by applicable Indian law:

• The App is provided "as is" and "as available" without warranties of any kind, express or implied
• We do not warrant that the App will be uninterrupted, error-free, or free from bugs
• We are not liable for any financial loss, data loss, or other damages arising from your use of or reliance on the App's outputs
• We are not liable for decisions you make based on the App's calculations
• Our total liability to you for any claim arising from these Terms or the App shall not exceed ₹0 (zero) for the free version of the app. For any paid subscription tier, liability shall not exceed the amount you paid in the three months prior to the claim

©️ 8. Intellectual property

All content in the RitualMoney App — including the name "RitualMoney", the R logo, the calculation methodology, the design, copy, and code — is owned by us and protected by applicable intellectual property laws.

You may not use our brand name, logo, or design in any way that suggests endorsement or affiliation with RitualMoney without our prior written consent.

The data you enter into the App (your financial figures) belongs to you. We make no claim to it. See our Privacy Policy for details on how your data is handled.

🔄 9. App updates and availability

We may update the App from time to time to fix bugs, improve features, or change functionality. Updates may be delivered through the Google Play Store. We recommend keeping the App updated to the latest version.

We reserve the right to:

• Modify or discontinue the App at any time, with or without notice
• Change these Terms at any time (see Section 12 below)
• Remove features from the App

We are not liable for any inconvenience caused by App unavailability, maintenance, or discontinuation.

🔚 10. Termination

These Terms remain in effect as long as you use the App. You may stop using the App at any time by uninstalling it from your device.

We reserve the right to terminate or restrict your access to the App if we determine, in our sole discretion, that you have violated these Terms.

Upon termination for any reason, the license granted to you under Section 4 ends immediately. Sections 3 (Not Financial Advice), 7 (Limitation of Liability), and 8 (Intellectual Property) survive termination.

🇮🇳 11. Governing law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the courts of India.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

📝 12. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. For material changes, we will notify you through the App where possible.

Your continued use of the App after any changes constitutes your acceptance of the updated Terms. If you do not agree with the updated Terms, stop using the App and uninstall it.

📬 13. Contact

If you have questions about these Terms, please contact us: