BrokeNoMoreBrokeNoMore

Terms & Conditions

Last updated: December 29, 2024

1. Acceptance of Terms

By downloading, installing, or using the BrokeNoMore mobile application ("App"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the App.

Your use of the App constitutes your acceptance of these Terms and Conditions and our Privacy Policy. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Service

BrokeNoMore is a personal finance management application designed to help users:

  • Track expenses and income transactions
  • Manage budgets and financial goals
  • Monitor spending patterns and analytics
  • Set up bill reminders and payment tracking
  • Track loans and EMI schedules
  • Split expenses with friends and family
  • Use financial calculators (EMI, FD, SIP, PPF, Lumpsum, SWP)
  • Analyze stocks and mutual funds
  • Access AI-powered financial chatbot for guidance
  • Receive personalized financial tips and insights
  • View comprehensive financial analytics and reports

The App provides tools and features to assist with personal financial management but does not provide financial, investment, or legal advice. All calculations and recommendations are for informational purposes only.

3. User Accounts and Registration

To use certain features of the App, you must create an account by providing accurate and complete information. You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Ensuring your account information is current and accurate
  • Notifying us immediately of any unauthorized use of your account

You must be at least 18 years old to use this App. By creating an account, you represent that you meet this age requirement.

4. User Responsibilities

You agree to:

  • Use the App only for lawful purposes
  • Provide accurate financial information
  • Maintain the confidentiality of your account credentials
  • Not attempt to gain unauthorized access to the App or its systems
  • Not interfere with or disrupt the App's functionality or servers
  • Not use the App to transmit any malicious code, viruses, or harmful content
  • Not attempt to reverse engineer, decompile, or extract source code from the App
  • Not use automated systems, bots, or scripts to access the App
  • Comply with all applicable laws and regulations in your jurisdiction
  • Maintain the security of your device and account
  • Not share your account credentials with others
  • Report any security breaches or unauthorized access immediately

Split Expense Features:

  • When using split expense features, you agree to accurately represent shared expenses
  • You are responsible for resolving disputes with other members of expense splits
  • We are not responsible for disputes between users regarding shared expenses

You are solely responsible for the accuracy of the financial data you enter into the App.

5. Financial Information and Data

The App allows you to input, store, and manage your personal financial information. You acknowledge that:

  • All financial data entered is your responsibility
  • We do not verify the accuracy of your financial information
  • The App is a tool to help you organize your finances, not a substitute for professional financial advice
  • We are not responsible for any financial decisions you make based on App data or AI recommendations
  • Stock analysis, mutual fund information, and financial calculations are for informational purposes only
  • You should consult with qualified financial professionals for investment, tax, or legal advice
  • We do not provide investment recommendations or guarantee any investment outcomes
  • Past performance of stocks or funds does not guarantee future results

AI-Powered Features:

  • AI chatbot responses and financial tips are generated for informational and educational purposes
  • AI analysis should not be considered as personalized financial, legal, or investment advice
  • Always verify AI-generated information independently before making financial decisions

We use industry-standard security measures to protect your data, but cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials.

6. No In-App Sales or Payments

IMPORTANT: BrokeNoMore does not sell any products, services, or subscriptions within the mobile application.

  • The App is provided as a free personal finance management tool
  • All core features are available without payment
  • No purchases, subscriptions, or payments can be made within the App
  • The App does not process any payment transactions or store payment information
  • No third-party payment processors (such as Razorpay, Stripe, or app store billing) are integrated into the App

AI Features and Credits:

  • Certain AI-powered features (chatbot, stock analysis) may require credits to use
  • Credits cannot be purchased within the App
  • If you wish to purchase credits, these transactions are conducted exclusively through our website, not through the App
  • Credits purchased externally are managed through your account and consumed when using AI features
  • Any external transactions are subject to separate terms and conditions available on our website

Subscription Plans:

  • Subscription plans, if available, are managed through external systems, not within the App
  • The App does not handle subscription payments or renewals
  • All subscription-related transactions occur outside of the App

7. Intellectual Property

The App, including its design, features, content, and functionality, is owned by BrokeNoMore and protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes. You may not:

  • Copy, modify, or distribute the App
  • Reverse engineer or attempt to extract source code
  • Use our trademarks or logos without permission
  • Create derivative works based on the App

8. Prohibited Uses

You agree not to:

  • Use the App for any illegal or unauthorized purpose
  • Violate any laws in your jurisdiction
  • Infringe upon the rights of others
  • Transmit any viruses, malware, or harmful code
  • Attempt to access other users' accounts or data
  • Use automated systems to access the App without permission
  • Impersonate any person or entity
  • Collect or harvest information about other users

9. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY OR RELIABILITY OF INFORMATION

We do not warrant that the App will be uninterrupted, error-free, or secure. We are not responsible for any loss of data or financial information.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BROKENOMORE SHALL NOT BE LIABLE FOR:

  • ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
  • LOSS OF PROFITS, DATA, OR USE
  • FINANCIAL LOSSES RESULTING FROM USE OF THE APP
  • DECISIONS MADE BASED ON APP DATA OR RECOMMENDATIONS

Our total liability shall not exceed the amount you paid for the App in the 12 months preceding the claim.

11. Termination

We reserve the right to:

  • Suspend or terminate your account at any time for violation of these terms
  • Discontinue or modify the App or any features at any time
  • Refuse service to anyone for any reason

You may terminate your account at any time by deleting the App or contacting support. Upon termination:

  • Your access to the App will immediately cease
  • You may request deletion of your data (subject to legal retention requirements)
  • Any credits or subscriptions purchased externally will be governed by separate terms
  • We are not obligated to provide refunds for external purchases made through our website

12. Data Privacy

Your use of the App is also governed by our Privacy Policy. We are committed to protecting your personal information and financial data. Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify users of significant changes through:

  • In-app notifications
  • Email notifications (if provided)
  • Updated version of the App

Your continued use of the App after changes constitutes acceptance of the modified terms.

14. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which BrokeNoMore operates, without regard to conflict of law provisions.

Any disputes arising from these terms or your use of the App shall be resolved through binding arbitration or in the appropriate courts of jurisdiction.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us through:

  • In-app support feature
  • Email: support@brokenomore.com
  • Contact Support section in the App

We aim to respond to all inquiries within 48 hours during business days.

Acknowledgment

By using BrokeNoMore, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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