Terms of Service — Legal Terms & Regulatory Disclosures

1. Agreement to Terms

By accessing or using the website, mobile applications, or software services provided by FlowRupee Technologies Private Limited ("FlowRupee", "we", "us"), you agree to be bound by these Terms of Service.

2. Financial Disclaimers & Non-Advisory Nature

Important Notice: FlowRupee provides computational budgeting tools, transaction categorization, and financial educational resources. FlowRupee is NOT a SEBI-registered Investment Adviser (RIA), Portfolio Manager, or non-banking financial company (NBFC). Calculations, 50/30/20 projections, and compounding simulators are for informational purposes only and should not be construed as individualized investment or tax advice.

3. User Responsibilities & Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use or security incident.

4. Subscriptions & Billing

Paid tiers (such as FlowRupee Pro and FlowRupee Wealth) are billed on a recurring monthly or annual basis via authorized Indian payment gateways. You may cancel your subscription at any time through your account portal, and the cancellation will take effect at the conclusion of your active billing period.

5. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any legal disputes arising out of these Terms shall be subject to the exclusive jurisdiction of the competent courts in Bengaluru, Karnataka, India.