Terms of use

1. This agreement

By creating an account or using Ekatra — the website at ekatralabs.com, the app at app.ekatralabs.com, or the Android app — you agree to these terms. If you do not agree with them, please do not use the service. You can explore the product with sample data without an account, and these terms apply to that too.

Our privacy policy explains what we do with your data and forms part of this agreement.

2. Who can use it

You must be at least 18 years old and legally able to enter into this agreement. You need a Google account to sign in. One person, one account — do not share an account, and keep access to your Google account secure, because whoever controls it controls your Ekatra data.

3. What the service is — and is not

Ekatra is: a place where the financial information you provide is organised, categorised and summarised, so accounts, cards, investments, loans and insurance appear together instead of in eight apps.

Ekatra is not:

• A bank, payment app or financial institution. It cannot make a payment, transfer, withdrawal or trade. There is no such feature and no code path for one.
• An RBI-regulated entity or an Account Aggregator. It holds no financial licence. It reads documents you give it.
• Connected to your bank. It never asks for netbanking credentials or OTPs and could not use them if it had them. Your data reaches Ekatra because you upload a document, approve an email attachment, or type it in.
• An adviser. See Section 5.

4. Your side of it

You agree that:

• You will only upload documents you have the right to upload — your own statements, or ones you are authorised to handle.
• The information you enter is yours to enter. If you record other people in a split group, you are responsible for what you record about them.
• You will not try to break, overload, reverse-engineer or gain unauthorised access to the service or another user's data, or use it to do anything unlawful.
• You will not use automated means to scrape the service or resell access to it.
• You will keep your Google account secure and tell us if you believe your Ekatra account has been accessed by someone else.

We may suspend or terminate an account that is being used to attack the service, harm other users, or break the law.

5. Not financial advice

Projections and insights are arithmetic applied to the figures you supplied. They do not know your full circumstances, they assume the past continues, and they will be wrong when it does not. For decisions that matter, consult a qualified professional. Decisions you make with Ekatra open are yours.

6. Accuracy, and AI that can misread

Ekatra's numbers are only as good as the documents you give it and the model that reads them. Statement parsing uses a large language model, and a model can misread a table, mis-assign a date, drop a row, or categorise a transaction wrongly.

Treat imported data as a draft you check, not a ledger of record. Every imported row is editable for exactly this reason. Your bank's own statement is the authority on your balance; where Ekatra and your bank disagree, your bank is right.

Sample data shown before you add your own is fictional and clearly labelled. Card benefit lists are compiled from publicly available information and from a model's knowledge of a product; issuers change terms without notice, so confirm a perk with your issuer before relying on it.

7. Your data and content

You own your data. Uploading a document or entering a figure does not transfer ownership to us. You grant Ekatra only the permission it needs to run the product for you: to store, process, parse and display your content, and to send document text or a summary of your figures to the AI providers described in the privacy policy.

We do not sell your data, use it for advertising, or use your financial records to train our own models. You can export everything as JSON in one tap and delete your account at any time, which erases every financial row we hold.

The Ekatra name, logo, design and code remain ours. These terms do not give you a licence to reuse them.

8. Third-party services

Ekatra depends on services we do not control — Google Sign-In, the Gmail API if you connect it, hosting and database providers, and AI providers. Their availability and their own terms affect what Ekatra can do. If one of them changes or goes away, a feature may change or stop working. The privacy policy lists who they are.

9. Availability and changes

Ekatra is early-stage software developed by a very small team. There is no uptime guarantee. Features may be added, changed or removed, and the product may be unavailable for maintenance or because something broke. We will avoid removing a feature you depend on without notice, and the roadmap is candid about what is shipped versus planned.

The service is currently free. If paid plans are introduced, they will be announced clearly in advance and will not silently start charging an existing account.

10. As-is, and limits on liability

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that parsed data will be accurate or complete.

To the maximum extent permitted by law, Ekatra and the people who build it are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings, missed payments, tax consequences, investment losses, or loss of data, arising from your use of the service — including where the cause is a misparsed document or an incorrect figure shown in the app.

Where liability cannot be excluded, our total aggregate liability is limited to the greater of the amount you paid us in the twelve months before the claim (which today is nothing, since the service is free) or ₹1,000. Nothing here limits liability that cannot lawfully be limited, including for fraud or gross negligence.

You agree to indemnify Ekatra against claims arising from your misuse of the service, from content you upload that you had no right to upload, or from your breach of these terms.

11. Ending your account

You: delete your account at any time from Privacy & data (web: Accounts; mobile: More). That erases every financial row across every collection. Export first if you want a copy — afterwards we cannot recover it, and that is the point.

Us: we may suspend or terminate an account that breaches these terms, attacks the service, or is used unlawfully. If we ever shut Ekatra down, we will give reasonable notice so you can export your data.

12. Governing law and disputes

These terms are governed by the laws of India, and the courts of India have exclusive jurisdiction over any dispute arising from them. Before starting formal proceedings, please write to us — most problems are faster to fix by email than in a filing.

13. Changes to these terms

We may update these terms. The date at the top changes, and for material changes we will notify you in the app before they take effect. Continuing to use Ekatra after a change means you accept the updated terms. If you do not, delete your account — and export your data first.

14. Contact

Questions about these terms, or anything else, go to sohan.28sarma@gmail.com, which is read by the person who wrote the code.