Terms & Conditions

Intellectual Property & Copyright

All intellectual property rights in and to the ExpenseGrip platform — including but not limited to the calculator logic, financial algorithms, user interface code, design assets, layout structure, logo, visual identity, written content, and underlying software — are exclusively owned by ExpenseGrip and are protected under the Copyright Act, 1957 of India and applicable international copyright treaties.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use ExpenseGrip solely for your personal, non-commercial financial tracking and educational purposes. The following actions are strictly prohibited without the express prior written consent of ExpenseGrip:

• Cloning, copying, or reproducing any portion of the platform, including its calculator logic, UI components, or design system, for any purpose.
• Commercial distribution, sublicensing, or resale of any ExpenseGrip content, tools, or derivatives in any form.
• Creating derivative works based on the platform's proprietary financial algorithms or software architecture.
• Removing, altering, or obscuring any copyright notices, trademarks, or proprietary legends contained within the platform.

Any unauthorised use, reproduction, or distribution of ExpenseGrip's intellectual property will constitute copyright infringement under the Copyright Act, 1957 and may subject the infringing party to civil remedies including injunctions, damages, and accounts of profits, as well as criminal prosecution under applicable law. ExpenseGrip reserves the right to pursue all available legal remedies, including filing complaints before the appropriate courts and cyber crime authorities, against any individual or entity found to be engaging in such infringement.

Anti-Misuse & Fair Use Policy

ExpenseGrip is designed and made available exclusively for genuine personal finance tracking, investment calculation, and financial education purposes. Certain optional features — including receipt scanning — rely on Google's Gemini AI to process data; by using those features, you acknowledge that your data will be processed by this third-party AI service as described in our Privacy Policy. By accessing and using this platform, you agree to use it responsibly and in accordance with all applicable laws and regulations.

The following actions constitute a material breach of these Terms and will result in immediate and permanent termination of your access, without prior notice, along with the blocking of your IP address and device identifiers:

• Attempting to reverse engineer, decompile, or disassemble any part of the platform, including its mathematical modules, calculation engines, or proprietary algorithms.
• Injecting malicious code, scripts, or payloads into any part of the website, including but not limited to XSS (cross-site scripting), SQL injection, CSRF attacks, or any form of code injection.
• Attempting to exploit system boundaries, bypass rate limits, or circumvent security controls through automated tools, bots, or manual manipulation.
• Using the platform for any unlawful, fraudulent, deceptive, or malicious purpose that violates Indian laws or the rights of others.
• Interfering with or disrupting the integrity, performance, or availability of the platform, its servers, or its network infrastructure.

Violations of this policy will be reported to the relevant cyber crime authorities and may result in civil and criminal liability under the Information Technology Act, 2000 and the Indian Penal Code, 1860. ExpenseGrip reserves the right to pursue legal action to the fullest extent of the law.

SEBI Disclaimer — Regulatory Compliance

Limitation of Liability

You expressly understand and agree that your use of ExpenseGrip is at your sole risk. The platform is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, ExpenseGrip, its founders, developers, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to:

• Investment or trading losses arising from decisions made based on calculator projections or any content on this platform.
• Market risks, volatility, or economic downturns that affect the actual performance of your investments.
• Loss of data, revenue, or business opportunity resulting from the use or inability to use the platform.
• Errors, omissions, or inaccuracies in calculator outputs, educational content, or any information presented on the site.
• Unauthorised access to or alteration of your data, transmissions, or account information resulting from factors beyond our reasonable control.

You acknowledge that you are solely responsible for your financial decisions and the outcomes that result from them. ExpenseGrip is a tool to inform and educate — it is not a substitute for professional financial advice, due diligence, or sound judgement. You agree to indemnify and hold ExpenseGrip harmless from any claims, losses, liabilities, or expenses arising out of your use of the platform or violation of these Terms.