Please read these Terms & Conditions carefully before using MyFinPal. By downloading, installing, or using the app, you agree to be bound by them.
These Terms & Conditions ("Terms") form a legal agreement between you and Shivputra Neelakandan / spxandroid ("we", "us", "our"), the operator of MyFinPal ("the App"). By creating an account or using the App, you confirm that you accept these Terms and our Privacy Policy. If you do not agree, please do not use the App.
You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account and use MyFinPal for managing personal finances. The App is not directed at anyone under 18.
MyFinPal is a personal finance tracking and planning tool — it does not provide investment, tax, or legal advice. Net worth figures, calculator outputs (SIP, CAGR, EMI, retirement, FIRE, NPV, IRR, etc.), health scores and insights are illustrative estimates based on the data and assumptions you provide. They are not recommendations to buy, sell, borrow, or invest. The AI financial assistant provides general planning help only, not regulated investment, tax, legal or lending advice.
Always consult a SEBI-registered investment adviser, chartered accountant, or qualified financial professional before making financial decisions. We are not liable for decisions made based on figures shown in the App.
MyFinPal calculates net worth, budgets, and insights based entirely on the data you enter manually or that is detected from SMS you grant access to. We do not verify this data against your actual bank records. You are responsible for reviewing imported transactions and correcting any inaccuracies (e.g. mis-parsed amounts, duplicate entries, or misclassified categories).
MyFinPal offers a free Basic tier and a Pro early-access option with additional features. Pro is not currently offered as a publicly priced purchase. If we introduce a paid Pro subscription or in-app purchase, its price, features, renewal terms and any applicable cancellation or refund information will be shown in Google Play before you buy. Billing will be handled by Google Play and governed by Google Play's terms.
Certain features (SMS auto-import, camera for scanning family-member QR codes, contacts for group splits and debts, biometric unlock) require you to grant Android permissions. These are always optional and can be revoked at any time through your device settings, though doing so may disable the related feature. See our Privacy Policy for how each permission is used.
You agree not to:
The App, including its design, logo, source code, and content, is the property of Shivputra Neelakandan / spxandroid and is protected by applicable intellectual property laws. Your financial data always remains yours — we claim no ownership over the data you enter or import.
MyFinPal is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free operation. Optional cloud-dependent features, including Google Drive backup, sign-in and notifications, may be unavailable during maintenance or outages of third-party services such as Firebase or Google Drive.
The App relies on third-party services, including Google Firebase, Google Drive, Google Play and Android's AICore (Gemini Nano). Your use of them is also subject to their own terms and privacy policies. We are not responsible for their availability, changes or conduct.
The App may be released in stages or as early access. Features may change, be limited or be withdrawn. If a change materially reduces a feature you rely on, we will tell you in the App or on this page and give reasonable notice where we can.
To the maximum extent permitted by law, Shivputra Neelakandan / spxandroid shall not be liable for any indirect, incidental, or consequential damages — including financial loss, missed payments, or data loss — arising from your use of, or inability to use, the App. This includes losses arising from mis-parsed SMS transactions, calculator estimates, or reliance on any figure displayed in the App.
You may stop using the App at any time and delete your account and data yourself in the app (Profile → Settings → Privacy & Data → Delete account), or by following the steps at myfinpal.app/delete-account.html. Deletion removes your account and your data in Google Firebase. On your phone, deletion erases your records by default; if you have an app PIN you may instead choose to keep them sealed behind it, at your own risk if others can use your phone. It does not delete your Google Drive backup or files you exported yourself, which remain yours to manage; the app and the deletion page explain how to remove them. Diagnostics already received by Google Firebase are not affected. We reserve the right to suspend or terminate access for users who violate these Terms. Provisions that by their nature should continue (such as intellectual property, limitation of liability and governing law) survive termination.
We may update these Terms from time to time. Material changes will be reflected by an updated version number and "Last updated" date on this page, listed in the Version History, and shown in the app. Continued use of the App after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu, India, without affecting any rights you have under mandatory consumer-protection law.
If you have a concern, please contact us first at the email below so we can try to resolve it informally.
If any part of these Terms is found unenforceable, the rest continues to apply. Our not enforcing a right is not a waiver of it. These Terms and the Privacy Policy are the entire agreement between you and us about the App. We may give notices by posting them in the App or on myfinpal.app. You may not transfer your rights under these Terms without our consent; we may transfer ours as part of a business transfer.
Questions about these Terms? Contact us at:
Email: admin@myfinpal.app
Operator: MyFinPal, operated by Shivputra Neelakandan / spxandroid
Location: Chennai, Tamil Nadu, India
Current version: 1.0. Material changes are listed below and are also shown inside the app the next time you open it after an update.
| Version | Date | Material changes |
|---|---|---|
| 1.0 | September 2026 | First published version. |