Legal
Terms of Service
Effective date: 1 January 2025 · Last updated: 3 September 2026
1. Acceptance of Terms
By downloading, installing, or using the Inly App, you agree to be bound by these Terms of Service. If you do not agree, please do not use the App.
2. Services Description
Inly is a personal money-management and financial-awareness application for Android users in India. With permission, it uses eligible bank, UPI, card, EMI, bill, and related payment alerts to help users understand transactions, spending patterns, upcoming and recurring payments, late or missed payment signals, accounts and card/loan indicators, and related insights. Inly is not a bank, lender, or credit bureau. It does not collect personal conversational SMS or raw OTPs/PINs. Features may change over time.
3. Intellectual Property
All content in the App is the property of AppKhichadi and is protected by applicable intellectual property laws.
4. User Responsibilities
You agree not to reverse-engineer the App, use it unlawfully, disrupt its security, process another person's SMS/contacts/financial data without consent, share account access, circumvent paid-feature controls, abuse AI or insights features, treat App outputs as professional advice, or scrape App data. You also agree to keep credentials secure, verify important reminders against official statements, and use the App only on a device and number you control.
5. Privacy
Your use of the App is also governed by our Privacy Policy.
6–11. Warranties, Liability, Termination, Governing Law, Changes & Contact
The App is provided as is. We do not warrant perfect accuracy of categorisations, reminders, or insights. Liability is limited to the maximum extent permitted by law. These Terms are governed by the laws of India. Contact apps@appkhichadi.com with questions.