Terms of Use, Fair Usage Policy and Legal Disclaimer

1. Purpose of the App

Dime Cash Tracker is a collaborative cashbook and record-keeping application. It helps users record, organise and monitor shared cash transactions, balances, receipts and related bookkeeping information.

Dime Cash Tracker is not a bank, payment processor, escrow service, accounting firm, audit firm, tax adviser, legal adviser or financial adviser. The app does not independently verify the accuracy, legality, ownership or purpose of any transaction entered by a user.

2. User Responsibility

You are responsible for:

• The accuracy and legality of information entered into the app.
• Protecting your phone, OTPs, passwords and account access.
• Managing invitations and assigning appropriate user roles.
• Obtaining permission before entering another person's personal information.
• Complying with all laws, regulations, tax requirements and professional obligations applicable to you.
• Maintaining independent records and backups where required.

You must not enter information that you do not have the right to collect, use or share.

3. Fair Usage and Prohibited Use

You must not use Dime Cash Tracker to:

• Commit, plan, promote or facilitate fraud, theft, money laundering, terrorism financing, bribery, corruption, tax evasion or any other unlawful activity.
• Plan or communicate threats, harassment, abuse, exploitation or violence.
• Facilitate trafficking, sanctions evasion or unauthorised financial activity.
• Store or transmit unlawful, defamatory, hateful, sexually exploitative or abusive content.
• Impersonate another person or organisation.
• Access another user's account, cashbook, receipt or information without authorisation.
• Attempt to bypass authentication, App Check, Firestore rules, Storage rules or other security controls.
• Upload malicious files or attempt to interfere with the app, Firebase services or another user's device.
• Use transaction descriptions, notes, invites or other app features to communicate for an unlawful purpose.
• Use the app in a way that violates applicable local, national or international law.

4. User Content and Shared Cashbooks

Users retain responsibility for the content they enter or upload, including transaction descriptions, notes, receipt images and PDFs.

Information in a shared cashbook may be visible to authorised members according to their assigned roles. You must not add another person to a cashbook or share their information without appropriate authority.

We do not guarantee that information entered by another user is accurate, complete or lawful.

5. Monitoring, Suspension and Cooperation

To the extent permitted by law, we may suspend or terminate accounts, restrict access, remove unlawful content or investigate suspected misuse.

We may cooperate with lawful requests from courts, regulators, law-enforcement agencies or other authorised authorities.

We are not required to monitor every transaction, receipt, message, note or user action and do not guarantee that unlawful conduct will always be detected.

6. Privacy and Optional Marketing Information

We collect and process information as described in our Privacy Policy, including account information, cashbook records, transaction information, selected contact information, receipt images, PDFs and related extracted details.

Essential service data is used to provide authentication, cashbook collaboration, transaction recording, notifications, security and support.

If we request optional demographic information, such as age range, broad region, language preference or similar information, you may decline to provide it and continue using the core service.

We will not collect or use ethnicity, race, religion, health, biometric or other sensitive information for marketing unless the information is voluntarily provided, applicable law permits the processing, we explain the purpose, obtain any required separate consent, and provide a way to withdraw it.

Where legally permitted and appropriately consented to, optional marketing information may be used to understand broad audiences, improve communications and provide relevant marketing. It may be shared with carefully selected marketing, analytics or communication service providers acting on our instructions. We do not sell personal information as a general business practice.

Marketing consent is separate from acceptance of these Terms and is not required to use the core app. You can withdraw either optional choice through Privacy choices in the app's account menu.

7. Security and Availability

We use reasonable technical and organisational safeguards, including authentication, access rules, HTTPS-backed services and security controls provided by Firebase.

However, no internet service, mobile application or storage system can be guaranteed to be completely secure, uninterrupted or error-free. You acknowledge that unauthorised access, data loss, service interruption and other risks may still occur despite reasonable safeguards.

8. No Guarantee of Records

Dime Cash Tracker is a record-keeping tool. It does not guarantee the correctness, completeness, availability or legal validity of any record, balance, receipt or transaction.

You remain responsible for verifying important records and maintaining any legally required books, statements or backups.

9. Indemnity

To the maximum extent permitted by applicable law, you agree to defend, indemnify and hold harmless Dime Cash Tracker, its owners, operators, employees and service providers from claims, losses, liabilities, damages, costs and expenses arising from:

• Your use or misuse of the app.
• Your violation of these Terms.
• Your violation of another person's rights.
• Information, files or transactions submitted through your account.
• Any unlawful activity connected with your account or cashbooks.

10. Limitation of Liability

To the maximum extent permitted by law, Dime Cash Tracker will not be liable for indirect, incidental, special, consequential or punitive loss, loss of profits, loss of records, loss of data, loss of business or loss caused by reliance on information entered by another user.

Nothing in these Terms excludes liability that cannot legally be excluded or limited, including liability for fraud, wilful misconduct or other liability that applicable law requires us to accept.

11. Changes and Termination

We may update these Terms, the Privacy Policy or app functionality from time to time. Continued use after an update means that you accept the updated terms, where permitted by law.

You may stop using the app at any time. We may suspend or terminate access where required for security, legal compliance, investigation of misuse or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of India, with courts in Pune, Maharashtra having jurisdiction, except where mandatory consumer or data-protection laws provide otherwise.

13. Contact

For legal, privacy, security or account-related questions, contact contact.dimecashtracker@gmail.com.