📜 Terms & Conditions
Effective Date: 25 February 2026
By accessing or using MoneyTools.in, you agree to the following terms.
1. Use of the Website
MoneyTools provides tools that allow users to upload transaction statements (such as PhonePe exports), analyze spending patterns, merge similar expenses, generate visualizations, and download formatted CSV outputs.
The service is currently provided free of charge. We reserve the right to introduce paid features or modify pricing in the future.
You agree to use this website only for lawful purposes and only with data you are legally permitted to process.
2. No User Accounts
MoneyTools does not require account creation or user registration.
All functionality is accessible without login. Users are responsible for retaining any outputs they download.
3. Data Processing Disclaimer
Uploaded files may be temporarily transmitted to our backend servers for processing in order to generate requested outputs.
Files are not stored or retained after processing. However, users acknowledge that temporary transmission over the internet is required for functionality.
4. No Financial Advice
MoneyTools provides informational summaries and visualizations only.
The website does not provide financial, investment, tax, or legal advice. Users should independently verify all outputs before making financial decisions.
5. No Warranty
This website is provided "as is" and "as available," without warranties of any kind, express or implied.
We do not guarantee:
- Accuracy of processed results
- Availability of the service
- Error-free performance
- Compatibility with all file formats
Use of the website is at your own risk.
6. Limitation of Liability
To the fullest extent permitted by law, MoneyTools and its creators shall not be liable for any direct, indirect, incidental, consequential, or financial damages arising from:
- Use of the website
- Inability to use the website
- Errors in generated outputs
- Financial decisions made based on outputs
7. Third-Party Infrastructure
The website may rely on third-party hosting or infrastructure providers for operation. We are not responsible for service interruptions caused by such providers.
8. Modifications
We may update these Terms at any time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.