Terms of Service

Last updated: January 18, 2026

Welcome to Dhi Money. By using our application and services, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using Dhi Money, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Service

Dhi Money is an AI-powered personal finance application that helps you:

• Track income, expenses, and net worth
• Set and monitor financial goals
• Get personalized financial insights and recommendations
• Plan for retirement and major financial decisions
• Understand your spending patterns

3. Account Registration

To use Dhi Money, you must:

• Be at least 18 years old
• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

4. User Responsibilities

You agree to:

• Use the service only for lawful purposes
• Provide accurate financial information
• Not share your account with others
• Not attempt to reverse engineer or hack the application
• Not use the service to harm others or engage in fraudulent activity

5. Financial Advice Disclaimer

Important: Dhi Money provides educational information and tools for personal finance management. Our service does NOT constitute:

• Professional financial advice
• Investment advice or recommendations
• Tax advice
• Legal advice

Always consult with qualified professionals before making significant financial decisions. We are not liable for any financial decisions you make based on information from our app.

6. AI-Generated Content

Dhi Money uses artificial intelligence to provide insights and recommendations. While we strive for accuracy:

• AI-generated content may contain errors
• Recommendations are based on the information you provide
• You should verify important information independently
• AI responses are not a substitute for professional advice

7. Data and Privacy

Your use of Dhi Money is also governed by our Privacy Policy. By using our service, you consent to the collection and use of your data as described therein.

8. Intellectual Property

All content, features, and functionality of Dhi Money are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without permission.

9. Limitation of Liability

To the maximum extent permitted by law:

• Dhi Money is provided "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid us in the past 12 months
• We are not responsible for financial losses resulting from your decisions

10. Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time through the app settings. Upon termination, your data will be handled according to our Privacy Policy.

11. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of significant changes via email or in-app notification. Continued use after changes constitutes acceptance of the new terms.

12. Governing Law

These terms are governed by the laws of India. Any disputes shall be resolved in the courts of Bangalore, Karnataka.

13. Contact Us

For questions about these Terms of Service, please contact us at:

Email: dhi.money.app@gmail.com

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