Terms

1. What MergeWise is

MergeWise is a personal money record. You log what you spent, what came in, what sits in which account, what a pot holds and what a trip cost. It keeps every entry, freezes the exchange rate on the day you spent, records a correction as a correction rather than an overwrite, and reads your month back to you in plain words. There is also a vault for passwords and papers that never leaves your device.

These terms are an agreement between you and Pankaj Fabricators, [legal form: proprietorship / LLP / private limited], registered at [registered office address, with PIN code], India. In this page, "we" and "us" mean that company, and "you" means the person using MergeWise. Creating an account means you accept these terms and the privacy policy.

2. What MergeWise is not

This is the section that matters most, so it is said in short sentences with nothing hidden in them.

• ✕It does not move money. There is no transfer, no payment, no UPI, no card, no standing instruction, no auto-debit. Every rupee that moves is moved by you, at your bank. MergeWise writes it down afterwards.
• ✕It is not a bank. It holds no deposits, pays no interest, issues no account and is not covered by deposit insurance.
• ✕It is not a payment system operator, a payment aggregator or a payment gateway, and it does not act as one for anybody.
• ✕It is not an entity regulated by the Reserve Bank of India. It is not an NBFC, not a prepaid instrument issuer, not an account aggregator, and it holds no RBI licence or authorisation of any kind.
• ✕It does not give financial, investment, tax or legal advice. It is not registered with SEBI as an investment adviser or a research analyst, and nothing it shows you is a recommendation to buy, sell, hold or borrow.
• ✕It is not an accountant and not a filing. Figures it produces are your own records read back. Check them before you rely on them for tax, for a loan application or for anything a third party will act on.
• ✕It is not a settlement service. Settle up shows the fewest payments that would clear a shared pot. It does not make those payments and it creates no legal obligation between you and anyone else.
• ✕It is not an insurer or a guarantor. If a figure is wrong because a figure you typed was wrong, that is your record, and MergeWise will show you the correction trail rather than pretend the mistake never happened.

Bank feeds are designed and are not built. Until they are, every figure in MergeWise arrived because you or someone in your pot put it there. If bank feeds ever ship, they will be a read-only connection you switch on deliberately, through a regulated channel, on a screen that explains what it does before you agree.

3. The beta, and what it means

MergeWise is in beta and it is free. Beta is not a marketing word here; it changes what you should expect.

• Things will change. Screens, figures and features can move, be renamed or be withdrawn between one week and the next.
• Things can break. We test before we ship, and we will still ship a bug. If a bug affects your records, we will tell you.
• Not everything is finished. Bank feeds, statement import at scale, invitations to a second person in a shared pot and parts of the insights are designed, not built. Anything you see that says it is coming, is coming, and is not here.
• Do not make MergeWise your only record. Keep your bank statements. Ask us for a copy of your records whenever you want one. We do not lose data on purpose and we still say this, because a beta that asks to be your only copy is asking for too much.
• We may reset or migrate data. If a change to the way records are stored requires it, we will tell you before it happens, offer you a copy of everything first, and never do it quietly.
• Free means free. No card, no trial that turns into a charge. The refunds page says exactly what happens if paid plans ever arrive.

4. Your account and who can have one

• You must be eighteen or older to have a MergeWise account. We do not offer accounts to children and have not built a parental consent flow.
• An account is for one person. Share a pot, not a login.
• Give a real email address you can receive mail at. It is how we confirm the account, how we reset a password and how we would tell you about a security problem.
• Keep your password to yourself, and use a different one from your bank's. You are responsible for what happens under your account while your password is in use.
• If you think someone else has your password, change it and tell us at [support email]. We would rather hear from you early than tidily.
• You must not create an account in someone else's name, or pretend to be someone else when you write to us.

5. Using it fairly

Use MergeWise for your own money records. Do not use it to do any of the following.

• Anything unlawful under Indian law, including keeping records in furtherance of fraud, money laundering or tax evasion.
• Reaching for another person's data, or testing whether you can. The database refuses it, and trying anyway ends your account.
• Probing, scanning or stress-testing the service, or getting around a rate limit or a security control. If you have found a real security problem, tell us at [support email] and we will thank you properly. Look, report, do not exploit.
• Automated scraping, bulk downloading or hammering the API. If you want your own data in bulk, ask us at [grievance email] and we will send it.
• Reselling MergeWise, or offering it as your own service, without a written agreement with us.
• Uploading another person's personal data without their say-so, and in particular putting someone else's passwords, documents or account details into a pot you share with third parties.
• Uploading anything designed to break something: malware, or content crafted to interfere with other people's use of the service.

The publishable key in the app is a public value by design, and the database's row level security is what actually protects data. Finding that key is not a discovery and using it to attempt access to another person's records is a breach of these terms and of the law.

6. Your data is yours

You own everything you put into MergeWise. Creating an account does not give us ownership of your records, and nothing on this page transfers anything to us.

You give us only the permission we need to run the service for you: to store your records, sync them between your own devices, show them back to you, and include them in an export when you ask for one. That permission is limited to operating MergeWise, and it ends when your account ends.

• We do not sell your records, and we do not share them with advertisers, data brokers, credit bureaus, lenders or insurers.
• We do not use your records to train machine learning models.
• We do not read your records for any purpose other than supporting you, and then only when you ask us to look at something.

What we do collect and why is set out item by item in the privacy policy. It also explains what erasure means when the ledger is append-only, which is worth reading before you need it.

7. The vault stays on your device

The Keys vault, where you keep passwords, documents and a spare key, is stored on your device only. There is no table for it in our database and no endpoint that can return a secret. We built it that way on purpose, and it has a consequence you should understand before you use it:

The same applies to receipt images and statement files: they are read on your device, and only the entries you choose to keep are stored.

8. Availability, and no warranty

MergeWise is provided as is and as available. In a free beta we do not offer an uptime commitment, a service level agreement, or a promise that the service will be uninterrupted, timely, secure or error free.

We depend on other companies to run: Supabase for the database and sign-in, Netlify to serve the app, an email provider to deliver account mail, and your own device and network. An outage at any of them is an outage for you, and we will say what we know while it lasts.

To the extent the law allows, we exclude all implied warranties, including merchantability, fitness for a particular purpose, accuracy and non-infringement. Nothing here excludes a right you have under the Consumer Protection Act, 2019, or any other Indian law that cannot be contracted out of.

9. Limitation of liability

To the fullest extent permitted by Indian law:

• We are not liable for indirect, incidental, special or consequential loss, or for loss of profit, revenue, business, goodwill or anticipated savings.
• We are not liable for a financial decision you take on the basis of a figure in MergeWise. It is your record, read back to you; check it before you act on it.
• We are not liable for loss or corruption of data caused by your device, your browser, clearing your storage, or losing a device that holds the vault.
• Our total liability to you, for everything, in any twelve month period, is limited to the greater of the amount you paid us in that period, which during the beta is zero, and ₹1,000.

None of this limits our liability for fraud, for wilful misconduct, for gross negligence, or for anything else that cannot be limited by law.

You agree to cover us for claims brought by a third party that arise from your use of MergeWise in breach of these terms, including a claim about data you put into MergeWise that was not yours to put there.

10. Suspension and closing your account

You can leave at any time. Email [grievance email] with the subject "Erasure request" and we will close and erase the account on the terms set out in the privacy policy. We will offer you a copy of everything before we act, and we will wait for your answer.

We can suspend or close an account if it is being used to break section 5, if keeping it open would break the law, or if there is a security reason that will not wait. Where we can tell you first, we will. Where we cannot, we will tell you as soon as it is safe to, and say why.

If we ever discontinue MergeWise, we will give you at least 60 days notice by email, keep exports working for that whole period, and then erase what is left.

11. Changes to these terms

We will change these terms as the product changes. When we do, the date at the top changes and we say what changed in one line. If a change materially affects your rights, we will email you at least 14 days before it takes effect, so you can read it and leave if you disagree. Using MergeWise after a change takes effect means you accept it.

12. Governing law and jurisdiction

These terms are governed by the laws of India. The courts at [city], [state], India, have exclusive jurisdiction over any dispute arising out of them.

Before either of us goes to court, we should try to sort it out. Write to [grievance email] setting out the problem, and we will answer within 30 days. Most things end there.

If a court finds one part of these terms unenforceable, the rest still stands.

13. Contact

• Support[support email]
• Data and privacy[grievance email]
• PostPankaj Fabricators, [registered office address, with PIN code], India

See also the privacy policy and the refunds page.