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Terms of Use — TrackSpends

Last updated 2026-04-26

These Terms of Use (“Terms”) form a binding agreement between you (“you”, “user”) and Primakor Ventures Private Limited, an Indian company (“Primakor”, “we”, “us”, “our”), governing your use of the TrackSpends mobile application and any related services (collectively, the “App”).

By installing, accessing, or using the App you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy. If you do not agree, do not install or use the App.

These Terms are an electronic record under the Information Technology Act, 2000 and the rules thereunder, and do not require physical or digital signatures.

1. Eligibility

You must be at least 18 years old and capable of entering into a legally binding contract under the Indian Contract Act, 1872 to use the App. If you use the App on behalf of a business, you represent that you have authority to bind that business to these Terms.

2. Licence to use the App

Subject to your compliance with these Terms, Primakor grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to install and use the App on a mobile device that you own or control, solely for your personal, non-commercial use.

This licence does not transfer any ownership of the App or any intellectual property rights to you. All rights not expressly granted are reserved.

3. Your account and Google connection

  • Account creation is optional. You can use the App in Demo Mode without any account.
  • To use automatic expense tracking you must connect a Google account through Google Sign-In and grant the App read-only access to Gmail.
  • You are responsible for maintaining the confidentiality of your Google credentials. We never see or store your Google password.
  • You can disconnect at any time via Settings → Connected Accounts and by revoking access at https://myaccount.google.com/permissions.

4. Acceptable use

You agree NOT to:

  • Use the App for any unlawful purpose or in violation of any applicable law (including Indian laws and the laws of your jurisdiction).
  • Use the App to process emails, accounts, or data that do not belong to you, or for which you do not have authorisation.
  • Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent permitted by applicable law.
  • Modify, adapt, translate, or create derivative works of the App.
  • Remove, alter, or obscure any proprietary notices in the App.
  • Probe, scan, or test the vulnerability of any system or network connected to the App, or breach any security or authentication measures.
  • Use any automated means (bots, scrapers) to access the App or its servers, or to send excessive requests to the Gmail or OpenAI APIs through the App.
  • Resell, rent, lease, sublicense, or commercially exploit the App or any part of it.
  • Use the App in a manner that exceeds the rate limits or violates the terms of any third-party service the App relies on (Google, OpenAI, Apple, Google Play).

We may suspend or terminate your access (see §11) if we reasonably believe you have violated these rules.

5. Third-party services

The App relies on services provided by third parties:

  • Google / Gmail API — your use of the Gmail integration is also governed by Google’s Terms of Service and the Google API Services User Data Policy.
  • OpenAI — when you grant in-app consent, the App sends limited transactional email data to OpenAI for categorisation. Your use of this feature is also governed by OpenAI’s terms and privacy policy.
  • Apple App Store / Google Play — your installation and use of the App on iOS or Android devices is governed by their respective store agreements.

We are not responsible for the availability, content, accuracy, or behaviour of these third-party services. Outages, changes, or restrictions imposed by them may affect features of the App.

6. Intellectual property

The App, including its source code, designs, icons, text, graphics, and AI-generated outputs displayed within the App, is owned by Primakor or its licensors and is protected under Indian and international copyright, trademark, and other intellectual property laws. “TrackSpends” and the TrackSpends logo are trademarks of Primakor. You may not use them without our prior written consent.

You retain ownership of your own data (your expenses, budgets, preferences, manual entries). You grant us a limited licence to process that data as necessary to operate the App, as described in our Privacy Policy.

7. AI-generated categorisation — accuracy disclaimer

The App uses OpenAI to suggest expense categories. AI outputs can be inaccurate, incomplete, or wrong. You are solely responsible for reviewing categorisations, amounts, budgets, and any financial decisions you make based on data shown in the App.

The App is not a substitute for professional financial, tax, legal, or accounting advice. Do not rely on it for tax filings, audits, regulatory reporting, or any decision with material financial consequences without independent verification.

8. Fees and in-app purchases

The App is currently provided free of charge. We reserve the right to introduce paid features, subscriptions, or in-app purchases in the future. Where we do, the price, billing terms, refund policy, and applicable taxes will be disclosed clearly inside the App before you are charged. Continued use of paid features after they are introduced will require your explicit acceptance.

9. Disclaimers

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE SPECIFICALLY DISCLAIM:

  • Any implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or quiet enjoyment.
  • Any warranty that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
  • Any warranty regarding the accuracy, completeness, or reliability of expense categorisations, totals, budgets, or insights generated by the App.

You use the App at your own risk.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • Primakor and its directors, officers, employees, contractors, agents, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, data, goodwill, business interruption, or any other intangible loss, arising out of or in connection with your use of (or inability to use) the App, even if we have been advised of the possibility of such damages.
  • Our total aggregate liability for any claim arising out of or relating to these Terms or the App will not exceed ₹1,000 (Indian Rupees one thousand) or the amount you have paid us for the App in the twelve months preceding the claim, whichever is greater.
  • Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as liability for fraud or for death/personal injury caused by gross negligence).

11. Termination

You may stop using the App and delete it at any time. To erase your data, use Settings → Clear All Data before uninstalling.

We may suspend or terminate your access to the App, with or without notice, if we believe you have violated these Terms, if required by law, or if we discontinue the App. Upon termination:

  • Your licence under §2 ends immediately.
  • Sections that by their nature should survive termination (including §6 Intellectual Property, §7 Accuracy Disclaimer, §9 Disclaimers, §10 Limitation of Liability, §12 Indemnity, §14 Governing Law) will remain in effect.

12. Indemnity

You agree to indemnify and hold harmless Primakor and its directors, officers, employees, and agents from any claim, demand, loss, liability, or expense (including reasonable legal fees) arising out of or related to (a) your breach of these Terms, (b) your misuse of the App, (c) your violation of any law or third-party right (including IP rights of any person), and (d) any data you submit, transmit, or process through the App.

13. Changes to the App or these Terms

  • App changes: we may add, modify, or remove features at any time, including features that depend on third-party services.
  • Terms changes: we may revise these Terms from time to time. Material changes will be reflected in an updated “Effective date” and, where appropriate, communicated via an in-app notice. Your continued use of the App after the effective date of the revised Terms constitutes acceptance.

If you do not agree to a revised version of these Terms, you must stop using the App.

14. Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws principles. Subject to §15 below, the courts at Delhi, India will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the App.

15. Dispute resolution

Before filing any lawsuit, you agree to first contact us at mayank@primakor.com with a clear description of the dispute and your desired resolution. We will attempt in good faith to resolve the matter within 30 days. If unresolved, the dispute will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration will be Delhi, India, and the proceedings will be conducted in English. The arbitrator’s award will be final and binding.

This clause does not prevent either party from seeking interim or injunctive relief from a competent court to protect intellectual property or confidential information.

16. Apple App Store additional terms

If you obtained the App from the Apple App Store, you acknowledge:

  • These Terms are between you and Primakor only, not with Apple. Apple is not responsible for the App or its content.
  • Apple has no obligation to provide maintenance or support for the App.
  • In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
  • Apple is not responsible for addressing any claims by you or any third party relating to the App.
  • Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you.

17. Google Play additional terms

If you obtained the App from Google Play, you acknowledge that your use is also subject to the Google Play Terms of Service and that Google is not a party to, or responsible for, these Terms or the App.

18. Miscellaneous

  • Entire agreement. These Terms, together with the Privacy Policy and any in-app notices we provide, constitute the entire agreement between you and Primakor regarding the App.
  • Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.
  • No waiver. Our failure to enforce any right or provision will not be deemed a waiver of that right or provision.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
  • Force majeure. We are not liable for failure or delay caused by events beyond our reasonable control (including outages of Google, OpenAI, Apple, or Google Play, network failures, and government actions).
  • Notices. Notices to us must be sent to mayank@primakor.com. Notices to you may be given via in-app message, email associated with your Google account, or update of these Terms.

19. Contact

Questions about these Terms: mayank@primakor.com

Primakor Ventures Private Limited India