Terms and Conditions
Please read these Terms and Conditions ("Terms") carefully before using the Paisa Track mobile application and services operated by Aarvix Technologies ("Aarvix Technologies", "we", "us", or "our"). By downloading, accessing, or subscribing to our services, you agree to be bound by these Terms.
1. Service Description
Paisa Track is an automated smart personal finance and expense tracking tool designed for Android mobile devices. The app offers automated expense tracking, SMS transaction parsing, voice-assisted expense recording, bill splitting, and financial budgeting insights.
2. Accounts and Security
- You must provide accurate information when registering for an account.
- You are solely responsible for safeguarding the credentials and security PIN used to access Paisa Track on your device.
- You agree not to use the app for any fraudulent, unlawful, or unauthorized financial transactions.
3. Subscription Plans and Pricing
Paisa Track provides both a Free tier and optional premium "Paisa Track Pro" subscription plans billed in Indian Rupees (INR) inclusive of applicable taxes:
| Tier / Plan | Price (INR) | Features Included |
|---|---|---|
| Free Tier | ₹0 | Manual expense logging, SMS auto-capture, basic budgets, UPI split sharing. Ad-supported. |
| Pro Monthly | ₹79 / month | Zero Ads, AI spend insights, Family sharing (up to 4 members), multi-budgets, receipt OCR, weekly email digests. |
| Pro Annual | ₹599 / year | All Pro features with ~37% annual savings, priority customer support. |
4. Payment Gateway, Billing & Electronic Delivery
All financial transactions, UPI payments, and Pro subscriptions within Paisa Track are processed securely via RBI-authorized payment aggregator partners, specifically PhonePe Payment Gateway.
- We do not store your full debit/credit card numbers or UPI MPIN on our servers.
- Subscription charges are billed in Indian Rupees (INR) inclusive of all applicable taxes.
- Digital Fulfillment: Paisa Track is a SaaS application. All Pro upgrades are delivered electronically and unlocked within 0 to 5 minutes post payment confirmation. There are no physical shipments or delivery fees (₹0 shipping fee). Please review our full Shipping & Delivery Policy for complete details.
5. Return, Refund and Subscription Expiry Policy
We offer a 7-Day Money-Back Guarantee, subject to the terms of our policy. Paisa Track Pro is a one-time prepaid plan (1 month or 1 year) and does not auto-renew. Your payment method is never charged automatically. Pro access continues until the end of the paid period, after which the account reverts to the Free tier with all data preserved. Eligible refund requests submitted within 7 days of purchase are processed within 24 to 48 hours and credited back to the original payment source account within 5 to 7 working business days via PhonePe. Please review our dedicated Return, Refund & Cancellation Policy for complete details.
6. Intellectual Property
The Paisa Track software, mobile UI, trademarks, logo, algorithms, and documentation are the exclusive intellectual property of Aarvix Technologies and protected under applicable copyright and intellectual property laws of India.
7. Governing Law and Dispute Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any legal dispute, controversy, or claim arising out of or relating to these Terms or the use of Paisa Track shall be subject to the exclusive jurisdiction of the competent courts located in Bengaluru, Karnataka, India.
8. Legal Entity Coordinates & Contact Information
If you have any questions, grievances, or legal notices regarding these Terms, please contact our legal and support desk:
| Registered Trade Name: | AARVIX TECHNOLOGIES |
| Legal Proprietor Name: | Latha (Proprietorship) |
| Principal Place of Business: | Flat No. 104, Renukha, 1st Main, 5th Cross, Rajendra Layout, Yelenahalli, Bengaluru Urban, Karnataka - 560068 |
| Customer Support Email: | support.info@paisa-track.in |
| Grievance Redressal Officer: | Grievance Redressal Officer (support.info@paisa-track.in) |