Terms & Conditions

A product of Swaram Technologies · budgzy.com

Effective date: 8 June 2026

Last updated: 8 June 2026

These Terms & Conditions (“Terms”) govern your access to and use of the budgzy website and web application at budgzy.com (the “Service”), operated by Swaram Technologies (“we”, “us”, or “our”).

By accessing the Service, creating an account, or clicking to accept during sign-up, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. About the Service

budgzy is a personal expense monitoring workspace that helps you track daily spending, manage recurring payments, review cashflow, set category budgets, import Indian bank debit alerts from Gmail (beta), and split bills with people you invite.

The Service is provided for personal informational and organisational purposes only. It is not a bank, payment processor, investment adviser, tax adviser, or accounting firm, and does not move money on your behalf.

2. Eligibility

You must be at least 18 years old and capable of entering a binding contract under Indian law.
You must provide accurate registration information and keep it up to date.
You must not use the Service if you are barred from doing so under applicable law or if we have suspended or terminated your account.
Superadmin and internal operator accounts are restricted from normal user login flows as configured by us.

3. Account registration and security

You may register with email and password and/or, when enabled, sign in with Google.
You are responsible for safeguarding your credentials and for all activity under your account.
Notify us promptly through the contact form or Settings → Support if you suspect unauthorised access.
One Budgzy account per person is expected. You may connect one Gmail inbox per account for bank-alert import.
If an email/password account already exists, you must sign in with your password before linking Google, where that workflow is offered.

4. Beta service

The Service is currently in public beta. Features, user interface, pricing, and availability may change without notice. We may add, modify, suspend, or remove functionality as we work toward full launch.

During beta, the Service is offered free of charge unless we clearly announce otherwise. Subscription plans shown in preview modals are not yet billed unless and until we enable paid billing and you expressly subscribe.

5. Acceptable use

You agree not to:

Use the Service for unlawful, fraudulent, or harmful purposes;
Upload malware, attempt unauthorised access, probe or scan systems, or interfere with operation or security;
Scrape, reverse engineer, or automate access except through interfaces we expressly provide;
Misrepresent your identity or impersonate another person;
Use the Service to store or transmit content that infringes intellectual property or privacy rights of others;
Resell, sublicense, or commercially exploit the Service without our written consent;
Circumvent invite-only or access controls for split groups or administrative areas.

We may investigate violations and suspend or terminate access where reasonably necessary.

6. Your content and data

You retain ownership of expense records, uploads, and other content you submit.
You grant us a limited licence to host, process, encrypt, back up, and display your content solely to provide and improve the Service.
You represent that you have the rights to submit your content and that doing so does not violate law or third-party rights.
Our Privacy Policy explains how we handle personal data, including financial information.

7. Gmail bank-alert import

If you enable Gmail import:

You authorise us to access the connected Gmail inbox with read-only scope to retrieve bank debit-alert messages you choose to sync.
You confirm you have the right to connect that inbox.
Parsed amounts, merchants, and dates are provided on a best-effort basis. You must review imports before relying on them.
You may disconnect Gmail at any time and choose whether to keep or delete associated import data.
We are not responsible for incomplete imports caused by bank email format changes, filtering, or provider outages.

8. Split groups and invites

Split groups are invite-only. You are responsible for whom you invite.
Information you add to a shared group may be visible to active members of that group.
Invite links expire after the period shown in the product (currently 24 hours unless we change it).
Settlements and receipts you upload should relate to genuine shared expenses. Do not upload unlawful or offensive material.
If you delete your account, your display name in groups may be replaced with “Deleted User” while group records remain for other members.

9. Intellectual property

The Service, including software, design, branding, logos, and documentation, is owned by us or our licensors and protected by intellectual property laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.

You must not use our trademarks without prior written permission.

10. Third-party services

The Service integrates with third parties such as Google (sign-in and Gmail) and email infrastructure providers. Your use of those services is subject to their terms and policies. We are not responsible for third-party outages or acts.

11. Disclaimers

To the fullest extent permitted by law, the Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, accuracy, non-infringement, or uninterrupted availability.

Without limiting the above:

We do not guarantee that expense totals, reminders, imports, or reports are error-free or suitable for tax, legal, or lending decisions;
You are solely responsible for verifying financial information and meeting your payment obligations to banks and merchants;
Beta features may contain defects or change without notice.

12. Limitation of liability

To the maximum extent permitted by applicable law, we and our directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, goodwill, or business opportunity, arising from or related to your use of the Service.

Our aggregate liability for any claims arising out of or relating to the Service or these Terms shall not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months preceding the claim, or (b) INR 5,000, except where liability cannot be limited under applicable law (including wilful misconduct or non-excludable consumer rights).

13. Indemnity

You agree to indemnify and hold us harmless from claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from your misuse of the Service, your content, your violation of these Terms, or your violation of any law or third-party rights.

14. Suspension and termination

You may stop using the Service at any time and may delete your account from Profile settings.
We may suspend or terminate access if you materially breach these Terms, create risk for other users, or where required by law.
On termination, your right to access the workspace ends. Provisions that by nature should survive (including intellectual property, disclaimers, limitation of liability, indemnity, and governing law) will survive.

15. Changes to the Service and Terms

We may update the Service and these Terms from time to time. We will post revised Terms on this page with an updated effective date. Material changes may also be communicated through the Service or by email where appropriate. Continued use after changes become effective constitutes acceptance, to the extent permitted by law.

16. Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict-of-law principles.

Subject to applicable law, courts at the courts of India having territorial jurisdiction over the registered office of Swaram Technologies shall have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.

Before initiating formal proceedings, you agree to contact us through the contact form and attempt to resolve the dispute in good faith within thirty (30) days.

17. Miscellaneous

Entire agreement: These Terms and the Privacy Policy constitute the entire agreement between you and us regarding the Service.
Severability: If any provision is held invalid, the remaining provisions remain in effect.
No waiver: Failure to enforce a provision is not a waiver of our right to enforce it later.
Assignment: You may not assign your rights under these Terms without our consent. We may assign ours in connection with a business transfer.
Force majeure: We are not liable for delays or failures caused by events beyond our reasonable control.

18. Contact

Swaram Technologies owns and operates budgzy (budgzy.com). Swaram Technologies website: swaramtech.com.

Registered address: India.

Legal and general enquiries: budgzy.com contact form

Signed-in users may also use Settings → Support in the workspace.