01Agreement
These terms are an agreement between you and [Legal entity name] (“Rispense”, “we”, “us”). They cover the Rispense app and the website at rispense.app. By creating an account or using the app, you accept these terms and our Privacy Policy.
02The service
Rispense helps you understand your money. It takes your upcoming bills and commitments out of your balance and shows what you can spend. It can suggest transactions from bank and UPI notifications for you to confirm, and it has an optional AI assistant.
Rispense is in development. Features may change, pause or be removed while we build it, and early versions may have bugs. It is currently built for Android.
03Who can use it
You must be 18 or older and able to enter a binding contract. Rispense is designed for people in India and shows money in rupees.
04Your account
- Give accurate sign-up details and keep your password safe. You are responsible for activity on your account.
- One account is for one person.
- Sign-in checks that you are using a genuine copy of the app from Google Play. Modified apps, rooted devices and unofficial builds may not be able to sign in.
- Tell us at support@rispense.app if you think someone else has accessed your account.
05Not financial advice
Safe-to-spend and every other figure in Rispense are estimates, worked out from the information you enter and confirm. They are only as accurate as that information. Detected transactions can be missed or read wrongly, which is why nothing counts until you confirm it.
Rispense is not a bank, lender, investment adviser or payment service. It does not hold or move money and does not connect to your bank account. Nothing in the app or on this website is financial, tax, legal or investment advice. Check important decisions against your own bank statements.
06The AI assistant
The assistant is optional and off until you turn it on. Its figures come from the app’s calculations, but its wording comes from a language model and can still be wrong or incomplete. Check the numbers in the app before acting on a reply. We may limit how many messages you can send each day, and we may pause the assistant.
07Acceptable use
Do not:
- Break the law, or use Rispense to record someone else’s finances without their permission.
- Try to access other people’s accounts or data, or get around security, attestation or usage limits.
- Reverse engineer, overload, scrape or disrupt the service, except where the law allows it.
- Use the AI assistant to produce harmful or unlawful content.
08Your data
Your records and conversations belong to you. You let us store, process and display them only to run Rispense for you, as described in the Privacy Policy. You can delete them at any time by deleting your account.
09Our intellectual property
The app, website, name, “r.” logo and design belong to us. You may use the app for your own personal use. These terms do not give you any other rights to them.
10Fees
Rispense is free while it is in development and beta. If we introduce paid plans, we will show the price before you buy, bill through Google Play and update these terms first. Refunds are covered by the Refund Policy.
11Ending your use
You can stop using Rispense and delete your account at any time from Settings. We may suspend or close an account that breaks these terms or puts other users or the service at risk. Where it is reasonable, we warn you first. We may also stop offering Rispense, and if we do, we will give notice in the app.
12Disclaimers
Rispense is provided “as is” and “as available”. To the extent the law allows, we make no promise that it will be uninterrupted, error-free or suitable for a particular purpose, or that its figures will be exact.
13Limitation of liability
To the extent the law allows, we are not liable for indirect or consequential losses, or for decisions you make based on figures in the app. Our total liability for any claim is limited to [liability cap]. Nothing in these terms limits liability that cannot be limited by law.
14Governing law
These terms are governed by the laws of India. Disputes go to the courts at [City]. Before going to court, please email us so we can try to resolve the issue.
15Changes
We may update these terms. We change the date at the top, and we tell you in the app before a material change takes effect. If you keep using Rispense after that, you accept the new terms.
16Contact
Questions about these terms: support@rispense.app. Address: [Registered address].