1. Acceptance of Terms

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

2. Description of Service

Idkhari is a personal finance management application that helps you track income, expenses, budgets, savings goals, credit cards, and loans. The App is provided as a tool for personal financial organization and does not constitute financial advice.

3. Account Registration

You must register an account to use the App. You are responsible for:

• Providing accurate registration information
• Maintaining the security of your password
• All activities that occur under your account

4. User Data

You retain full ownership of all data you enter into the App. We act as a data processor, not a data owner. You may export or delete your data at any time. See our Privacy Policy for details on how we handle your data.

5. Acceptable Use

You agree not to:

• Use the App for any illegal purpose
• Attempt to gain unauthorized access to the App's servers or infrastructure
• Reverse engineer, decompile, or disassemble the App
• Share your account credentials with others
• Use automated tools to interact with the App

6. Household Feature

The App allows you to invite other users to a shared household for collaborative finance management. You are responsible for managing household membership and privacy settings. Shared data is visible to all household members unless marked as private.

7. Financial Disclaimer

Idkhari is a tracking and organizational tool. It does not provide financial, investment, tax, or legal advice. The information displayed in the App is based solely on data you enter. We make no guarantees about the accuracy of calculations, projections, or insights. Always consult a qualified financial advisor for financial decisions.

8. Availability

We strive to keep the App available at all times, but we do not guarantee uninterrupted service. We may perform maintenance or updates that temporarily affect availability. We are not liable for any loss resulting from service interruptions.

9. Account Deletion

You may delete your account at any time from the App's settings. Account deletion is permanent and irreversible. All your data will be removed from our servers. We cannot recover deleted accounts or data.

10. Limitation of Liability

To the maximum extent permitted by law, Idkhari and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the App.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes through the App or via email. Continued use of the App after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in your jurisdiction, without regard to conflict of law principles.

13. Contact

For questions about these Terms, contact us at hello@idkhari.app.

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