Terms of Service

1. Agreement and Eligibility

These Terms of Service form an agreement between you and Samadhan Salunkhe, the provider of Family Wallet ("Family Wallet," "we," "us," or "our"). By downloading, accessing, or using Family Wallet, you agree to these Terms and the Privacy Policy. You must be at least 18 years old and legally able to enter this agreement.

3. Accounts and Shared Households

You are responsible for maintaining accurate account information, protecting access to your device and authentication providers, and notifying us of suspected unauthorized access.

Household owners and administrators may invite, remove, or assign permissions to members. Information added to a shared household may be viewed, edited, or deleted by other authorized members. You must have permission to add another person's information and must use shared features lawfully.

4. Premium, Free Trials, and Automatic Renewal

• Prices, billing periods, included features, and any free-trial eligibility are shown in the Apple App Store or Google Play purchase screen before confirmation.
• Unless identified as a one-time purchase, subscriptions automatically renew for the same billing period unless cancelled through the applicable store before the renewal deadline shown by that store.
• When a free trial ends, the subscription may convert to a paid, automatically renewing subscription unless cancelled before the trial deadline.
• You must manage or cancel subscriptions through your Apple App Store or Google Play account. Deleting Family Wallet, deleting an account, or signing out does not automatically cancel a subscription.
• Refunds, billing disputes, and purchase eligibility are handled under Apple App Store or Google Play policies. Family Wallet cannot issue store refunds directly unless the platform specifically permits it.
• RevenueCat assists with entitlement and subscription-status management but does not replace the store's billing terms.

5. Local Data, Cloud Sync, and Backups

Family Wallet stores financial records locally and may provide eligible household sync through Firestore and optional backups through Google Drive. Internet, authentication, device storage, third-party services, and platform availability can affect these features.

Cloud sync and backups are convenience features and are not guaranteed to be continuous, complete, error-free, or available at all times. Conflicts, network failures, provider outages, permission changes, device loss, software defects, or user actions may delay synchronization or result in data loss. You are responsible for reviewing important records and maintaining appropriate independent copies.

Google Drive backup uses Family Wallet's private application-data folder and keeps a rolling maximum of seven backups when its retention routine runs. These database snapshots do not currently use separate application-level file encryption.

6. Privacy, Account Deletion, and Subscription Cancellation

Our processing of personal information is described in the Privacy Policy. Deleting a household or signing out is not complete account deletion. Follow the Account and Data Deletion instructions to request deletion of the authentication identity and remaining account records.

Deletion may not remove records that another household must retain in de-identified form, records that stores or service providers retain under their policies, or information we must retain for security, fraud prevention, disputes, or legal compliance. Google Drive backups and store subscriptions require separate steps described on the deletion page.

7. License and Intellectual Property

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use Family Wallet in accordance with these Terms and applicable store rules. Family Wallet, its design, software, branding, and original content remain protected by intellectual-property laws.

You may not copy, resell, reverse engineer, disrupt, bypass security or subscription controls, use automated systems to abuse the service, upload unlawful content, impersonate others, or use Family Wallet in a way that harms other users or service providers, except where applicable law expressly permits an activity.

8. Service Changes, Suspension, and Termination

We may add, modify, limit, suspend, or discontinue features to maintain security, comply with law, respond to provider changes, or improve the service. We may suspend access for material violations, fraud, abuse, security risk, or unlawful activity. Where reasonably possible, we will provide notice of material changes that adversely affect users.

9. Disclaimers

To the maximum extent permitted by law, Family Wallet is provided "as is" and "as available." We do not warrant that the service will always be accurate, secure, uninterrupted, compatible with every device, or free from defects. Nothing in these Terms excludes warranties or consumer rights that cannot legally be excluded.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Family Wallet and its service provider will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, opportunity, goodwill, or data; financial decisions based on app records; unauthorized household actions; or interruptions involving networks, devices, stores, Firebase, Google Drive, RevenueCat, AdMob, or other third parties.

Where liability cannot be excluded, total liability arising from Family Wallet will be limited to the greater of the amount you paid for Family Wallet during the 12 months before the event giving rise to the claim or INR 1,000, except where applicable law requires a different remedy or limit.

11. Governing Law and Disputes

These Terms are governed by the laws of India, without regard to conflict-of-law rules. Before starting formal proceedings, you agree to contact prasam.dev@gmail.com and allow 30 days for a good-faith attempt to resolve the dispute.

Subject to mandatory consumer rights and any law that permits you to bring a claim elsewhere, courts of competent jurisdiction in Maharashtra, India will have jurisdiction over disputes relating to these Terms or Family Wallet.

12. Changes to These Terms

We may update these Terms to reflect service, provider, legal, or business changes. Updated Terms will be published here with a revised effective date. If a material change requires consent, we will request it through an appropriate method. Continued use after an update takes effect means you accept the updated Terms, where permitted by law.

13. General Terms

If part of these Terms is unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. You may not transfer this agreement without our consent. These Terms, the Privacy Policy, and applicable store terms constitute the agreement governing your use of Family Wallet.

14. Contact Us

Questions about these Terms may be sent to prasam.dev@gmail.com.