Terms of Service
The rules for using SmartABCD — written to be read, not skimmed.
TL;DR — the short version
- SmartABCD is a planning and discipline tool — not financial, investment or tax advice.
- Be 18+ (or use a family child account managed by a parent). Keep your login safe. Don't abuse the Service.
- Subscriptions bill through Razorpay, renew automatically, and can be cancelled anytime — you keep access until the period ends.
- You own the content you upload; you give us permission to process it to run the Service.
- Indian law governs these terms.
1. The Service
SmartABCD helps you plan budgets and shopping lists, monitor spending in real time during shopping sessions, and review reports and a discipline score afterwards. Some features (family linking, barcode/receipt scanning, OCR, budget locks, AI insights) are available only on paid plans. We may add, change or retire features as the product evolves; if a change materially reduces what a paid plan includes, we'll tell you in advance.
2. Accounts & eligibility
- You must be at least 18 years old to create an account. Younger family members may participate only through a child role inside a family group created and supervised by their parent or guardian.
- Provide accurate registration details and keep your password and PIN confidential. You are responsible for activity on your account.
- One account per person. Tell us promptly at support@smartabcd.com if you suspect unauthorised access.
3. Acceptable use
You agree not to:
- use the Service for anything unlawful, or upload content that is illegal, infringing, or harmful;
- attempt to breach, probe or overload our systems, scrape data, or reverse-engineer the apps;
- impersonate others, misuse invite codes, or join family groups you're not genuinely part of;
- resell or commercially exploit the Service without our written agreement.
We may suspend accounts that break these rules, after warning where reasonable.
4. Subscriptions, billing & refunds
- Plans: Free, Family (monthly), Premium (monthly or yearly) and Lifetime Early Access (one-time). Current prices are shown on the pricing section and in-app; introductory prices may change for new purchases with notice.
- Payment: processed by Razorpay. We never see or store your card number, CVV or UPI PIN.
- Renewal: monthly and yearly plans renew automatically at the end of each period until you cancel.
- Cancellation: cancel anytime in Settings → Subscription. You keep paid features until the end of the period already paid for, then move to the Free plan. Your data is not deleted on downgrade.
- Refunds: double charges, clearly accidental purchases, and paid features that materially failed to work are refunded — email support@smartabcd.com within 7 days of the charge. Partial periods after cancellation are not refunded. Statutory rights under Indian consumer law are unaffected.
- Taxes: prices include applicable Indian taxes unless stated otherwise.
5. Family groups
- The family admin is responsible for who they invite, the roles they assign, and supervising any child accounts.
- Content shared in a family group is visible to members according to their roles. Respect other members' privacy — private budgets are private by design, and attempting to circumvent that is a breach of these terms.
- Removing a member stops their access to shared content going forward; their own private data remains theirs.
6. Content you upload
You keep ownership of everything you add to SmartABCD — budgets, lists, notes, and images such as receipts and product photos. You grant us a limited licence to store, process and display that content solely to operate the Service for you and your family group (for example, running OCR on a receipt you scanned). Don't upload content you have no right to share. We may remove content that violates these terms or the law.
7. Not financial advice
SmartABCD is a financial discipline and planning tool. Budget suggestions, alerts, insights, savings opportunities and the Discipline Score are informational aids based on the data you enter. They are not financial, investment, legal or tax advice, and we are not a bank, NBFC, or investment adviser. Decisions about your money — and their consequences — remain yours. Numbers in the app can be wrong if the data entered is wrong (e.g. a misread receipt line you didn't correct).
8. Limitation of liability
The Service is provided "as is" and "as available". To the maximum extent permitted by law, we are not liable for indirect or consequential losses — including overspending, missed savings, family disagreements, or decisions made in reliance on the app's alerts, scores or reports. Our total aggregate liability for any claim is limited to the amount you paid us in the 12 months before the claim arose (or ₹1,000 if you use only the Free plan). Nothing in these terms limits liability that cannot be limited under Indian law.
9. Termination
You can stop using the Service and delete your account at any time in Settings. We may suspend or terminate accounts that materially breach these terms, are used fraudulently, or where required by law — with notice where reasonable. Sections 6–8, 10 and 11 survive termination.
10. Changes to these terms
We may update these terms as the Service evolves. Material changes will be announced in the app and on this page at least 15 days before taking effect. Continued use after the effective date means you accept the updated terms.
11. Governing law & disputes
These terms are governed by the laws of India. Subject to any mandatory consumer-protection provisions, the courts at [City, India — to be confirmed] shall have exclusive jurisdiction. We'd genuinely rather solve problems by email first: support@smartabcd.com.
12. Contact
Ametecs · support@smartabcd.com · smartabcd.com