Terms of Service

1. Using Rupya

Rupya is a Financial OS that helps users organize and manage personal and shared finances, including transactions, accounts, budgets, goals, debt, savings, planning, and related features.

By creating an account or using Rupya, you agree to these Terms of Service.

2. Your Account

You are responsible for providing accurate account information and keeping your account credentials secure.

You are responsible for activity performed through your account. Contact Rupya promptly if you believe your account has been accessed without authorization.

3. Financial Data

Rupya allows you to record, import, organize, and analyze financial information that you provide.

You remain responsible for the accuracy and completeness of the information you enter or import.

Rupya is a financial management and planning tool. Information displayed by Rupya does not constitute financial, investment, tax, legal, or other professional advice.

4. Imported Data

If you import bank statements or other financial files, you are responsible for ensuring that you have the right to use and process those files.

5. Shared Workspaces

Rupya may allow you to share a workspace with other users. You are responsible for deciding who receives access to your workspace.

Users with access may be able to view or modify workspace data depending on the permissions provided by Rupya.

6. Lifetime Access

Rupya may offer Lifetime Access through a one-time payment. Lifetime Access does not require recurring subscription payments for the package purchased.

Lifetime Access means access to the Rupya features included in the purchased package while the Rupya service remains available and the account remains in good standing.

Rupya may improve, modify, replace, or discontinue individual features as the product evolves.

7. Payments and Refunds

Payments may be processed through third-party payment providers. The applicable price will be displayed before you complete your purchase.

Purchases of Rupya digital products are final and are not refundable, except where a refund or other remedy is required by applicable law.

If you experience a payment or access problem, contact us at hello@rupya.cloud.

8. Acceptable Use

You may not use Rupya for illegal activities, fraud, abuse, unauthorized access, attempts to compromise the service, or activities that interfere with the security or operation of Rupya.

9. Service Availability

We work to keep Rupya available and reliable, but we do not guarantee uninterrupted service. Temporary interruptions may occur due to maintenance, updates, infrastructure issues, third-party services, network problems, or circumstances outside our reasonable control.

10. Intellectual Property

Rupya's software, brand, interface, design, and other materials provided by Rupya are owned by Rupya or its licensors.

Your financial data remains your data. You grant Rupya the limited rights necessary to store, process, and display that data solely to provide the service.

11. Account Suspension or Termination

You may stop using Rupya and request account deletion through the available account controls or by contacting support.

Rupya may restrict or terminate access when reasonably necessary to address violations of these Terms, security risks, abuse, or legal requirements.

12. Changes to Rupya

Rupya may update, modify, add, or remove features as the product evolves. Material changes to these Terms will be reflected on this page with an updated date.

13. Contact

Questions about these Terms can be sent to hello@rupya.cloud.