Terms and Conditions

1. Introduction

Welcome to Cashref, an AI-powered financial management platform operated by Devoids - IT Solutions (hereinafter referred to as "we", "us", "our", or "Cashref"). These Terms and Conditions govern your access to and use of our website at cashref.in and all related services, features, and applications (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not access the Service.

2. Definitions

• "Account" means a unique account created for you to access our Service.
• "Pank" refers to our AI-powered accountant assistant integrated within Cashref.
• "User" refers to any individual or entity that accesses or uses the Service.
• "Content" refers to any information, data, text, or other materials uploaded, submitted, or transmitted through the Service.
• "Financial Data" refers to any monetary, transactional, or account information you provide or that is processed through the Service.

3. Account Registration

To use certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Use of Service

Cashref provides AI-powered financial management tools including but not limited to:

• Account tracking and management
• Income and expense categorization
• Savings goals and budgeting
• EMI and subscription tracking
• AI-powered financial insights via Pank
• Financial reports and analytics

You agree not to misuse the Service or help anyone else do so. Prohibited activities include:

• Using the Service for any illegal purpose
• Attempting to gain unauthorized access to any part of the Service
• Interfering with or disrupting the Service
• Uploading malicious code or content
• Reselling or redistributing the Service without authorization

5. AI Features and Limitations

Our AI assistant Pank provides financial insights, suggestions, and automated categorization. You acknowledge and agree that:

• AI-generated insights are for informational purposes only and do not constitute professional financial advice
• You should consult qualified financial professionals for important financial decisions
• AI predictions and suggestions may not always be accurate
• We continuously improve our AI but cannot guarantee error-free operation

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Devoids - IT Solutions and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without our express written permission.

7. User Content

You retain ownership of any Financial Data and Content you submit to the Service. By submitting Content, you grant us a limited license to use, process, and store this data solely for the purpose of providing and improving the Service.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEVOIDS - IT SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in India.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.