Terms & Conditions

1. Acceptance

By using Extrack (“the Service”), you agree to these Terms. If you do not agree, do not use the Service.

2. What Extrack is

Extrack is software for recording your own transactions and balances in a structured way. You enter the data. We host it on a major cloud provider, store it encrypted at rest, and show you views built from what you saved.

The Service does not connect to banks, brokers, lenders, or government systems. It does not download live prices, statements, or official payoff amounts. Anything you see on screen is derived from information you (or someone with access to your account) entered or imported according to our product rules. We are not a bank, broker, lender, exchange, payment institution, accountant, tax adviser, or investment adviser.

3. Not professional advice

Extrack is not a bank, broker, lender, accountant, or financial adviser. Nothing in the app is tax, legal, investment, or debt advice. If you need guidance for your situation, speak to a qualified professional who can review your real records.

4. Estimates and summaries

Net worth, monthly spend, category totals, “top” lists, scheduled or forward looking amounts, and any other totals or summaries in the Service are illustrative. They are calculated from your entries and settings only. They are not audited, verified, or guaranteed to match your real world finances.

If you skip transactions, round numbers, or work from old balances, the app cannot fix that. Rounding, timing, and display choices can also make small differences between what you expect and what the screen shows.

5. Investments

6. Loans, cards, and money you owe

Loan balances, credit limits, amount owed, due dates, and similar fields reflect what you entered or what the ledger infers from your activity. They are not synchronized with your bank or card issuer. They may disagree with your actual payoff amount, APR, fees, or statement dates.

Before you make a payment or a major decision, confirm numbers with your lender or card company directly.

7. Your responsibilities

You are responsible for:

• The accuracy and completeness of data you store in Extrack.
• Protecting your login (email and password) and any second factor you enable.
• Keeping copies of important records outside Extrack if you need them for legal or tax purposes.
• Complying with laws that apply to you.

8. Security model

Data you save in Extrack is encrypted at rest on our cloud provider; access is scoped to your signed-in workspace, and any read from outside that path raises an alert in our monitoring. We do not use your finance data for advertising or to train shared models.

We do not, however, guarantee any specific level of security and we cannot promise that no incident will ever occur. Where the law permits, the limits in sections 10 and 11 apply.

The full security write-up is at docs/SECURITY.md.

9. Fees and payments

We may offer a free tier and paid Premium or VIP plans. As of these Terms, the published one month list prices in INR are ₹149 (Premium) and ₹199 (VIP). Longer periods may show a bundle total at checkout. The amount you pay is what the payment screen shows before you confirm.

Payments are processed by Razorpay, a third party gateway. Checkout happens on their flow when you start a purchase from Profile, then Plan & billing. Their terms and privacy policy apply to how they handle card and mandate data.

We do not store your full card number. We receive identifiers and status from Razorpay so we can apply the right plan to your workspace.

You may request cancellation (including cancel at end of period where available) from Plan & billing when a paid subscription is on file. Refunds and disputes follow Razorpay's rules and the law.

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be error free, uninterrupted, or free of harmful components. We do not warrant that any number or chart in the app is accurate for your real life situation.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EXTRACK, ITS OWNERS, OPERATORS, AFFILIATES, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED INDIAN RUPEES (₹100), EXCEPT WHERE THE LAW DOES NOT ALLOW SUCH A CAP.

YOU USE THE SERVICE AT YOUR OWN RISK. WE ARE NOT RESPONSIBLE FOR ANY DECISION OR OUTCOME YOU MAKE BASED ON INFORMATION SHOWN IN THE APP, INCLUDING FINANCIAL, TAX, INVESTMENT, OR DEBT DECISIONS.

Without limiting the above, and to the maximum extent permitted by law, we are not responsible for:

• Losses tied to incorrect, missing, or incomplete data you entered.
• Outages, data loss, delays, or failures of third party services we rely on (including payment providers, email providers, identity providers, and cloud infrastructure).
• Unauthorised use of your account if someone else obtains your password, email, or device.
• Financial, tax, investment, debt, or business decisions you make based on what the app shows.
• Differences between numbers in the app and the figures held by your bank, card issuer, lender, broker, employer, or tax authority — those institutions' records always take precedence.

12. Account deletion

You may request deletion of your account and data. For the current product, follow the instructions on the Profile page and in the Privacy Policy. When deletion completes, your identity and workspace records are removed from our systems as described there.

We may suspend or terminate access for abuse, illegal use, or risk to the platform.

13. Intellectual property

The Extrack name, branding, and software are owned by their respective owners. You keep ownership of the content you enter. We do not claim ownership of your financial data.

14. Changes to these Terms

We may update these Terms. The date at the top of this page shows when they were last revised. If you keep using the Service after a change, that use means you accept the updated Terms. For material changes we will try to give notice in the app when practical.

15. Governing law

These Terms are governed by the laws of India, without regard to conflict of law rules. Subject to applicable law, courts in Bengaluru, Karnataka, India have exclusive jurisdiction over disputes arising from these Terms or the Service.

16. Severability

If one part of these Terms is invalid, the rest stays in effect to the fullest extent allowed.

17. Contact

Questions about these Terms: legal@myextrack.com

Billing and checkout support: support@myextrack.com