Terms of Use
Ginaro gives you an information-only summary of your own spending in the Ginaro app, on the web and, on Pro and Family plans, on WhatsApp. It does not move money, give financial advice or offer loans. It's in early access, so things will change, and we'll tell you before anything that affects you does.
1. Agreement
These terms are an agreement between you and Ginaro ("we", "us") for your use of ginaro.in, the Ginaro waitlist, the Ginaro WhatsApp service, the Ginaro Android and iPhone apps and the Ginaro web dashboard (together, the "Service"). By using the Service you agree to these terms and to our Privacy Policy.
2. What Ginaro is, and is not
- Ginaro reads transaction alerts and statements that you provide and shows you summaries, alerts and answers about your own spending in the Android and iPhone apps and web dashboard, and on WhatsApp for Pro, Family and trial users.
- Ginaro is not a bank, payment service, lender, investment adviser or credit bureau. It cannot see your bank login, move money or make payments.
- Summaries are for your information only and are not financial, tax or legal advice.
- The Service is in early access. Features, supported banks and prices may change.
3. Who can use it
You must be at least 18, live in India, and use a mobile number that belongs to you. You agree to give accurate sign-up details.
4. Children
- Ginaro is only for adults aged 18 or over. Children under 18 may not create an account, join the waitlist or use the Service.
- Family mode is for adults only. It must never be used to see or monitor the spending of anyone under 18.
- We may ask you to confirm that you are 18 or over.
- If we learn that an account belongs to someone under 18, we will close it and delete its data. Parents or guardians who believe a child has signed up can write to [email protected], and we will act on it promptly.
5. Your data and other people's data
- Only connect bank accounts, phones and statements that are yours, or that you have clear permission to use.
- Family mode requires the explicit consent of the person whose data is shared, given on their own device. You must not use Ginaro to monitor anyone without their knowledge. We will end accounts that do.
- You can withdraw consent, pause messages (PAUSE), stop messages (STOP) or delete your account (DELETE) at any time.
6. Accuracy
We work hard to read every transaction correctly and count it once, but bank message formats change and errors can happen. Transactions we can't read are put in a review list rather than dropped. Always rely on your bank's official statements for exact balances and records. You can correct a category by replying on WhatsApp.
7. Messages
The app and web dashboard can send you push notifications, which you can turn off in settings. WhatsApp messages are part of the Pro and Family plans and the 4-week free trial, and we send them only after you opt in. By default you get one weekly check-in, plus alerts capped at about one a day with quiet hours. Standard WhatsApp and mobile data charges from your network may apply.
8. Plans and payment
The free plan costs nothing and includes a one-time 4-week WhatsApp trial; when the trial ends, WhatsApp messages stop unless you choose a paid plan. Paid plans (Pro, and Family, which is billed per pair of numbers) will be offered at early-access prices shown on our website. We will never charge you without your explicit agreement, and we will tell you the final price, including any applicable taxes, before you pay. You can cancel a paid plan at any time; it stays active until the end of the period you paid for.
9. Acceptable use
You agree not to misuse the Service, including by: sending unlawful, abusive or malicious content; trying to access other people's data; probing, scraping or overloading our systems; or using Ginaro to harass or monitor anyone. Ginaro answers questions only about your own data. It is not a general-purpose chatbot.
10. Third-party services
The Service relies on WhatsApp (Meta), your bank and UPI apps, and your phone's operating system. Their terms apply to your use of them, and we are not responsible for their availability or changes they make.
11. Intellectual property
The Ginaro name, logo, website and software belong to us. GINARO is a trademark application pending registration in India. You may not use them without our written permission.
12. Ending your use
You can stop at any time by sending DELETE on WhatsApp or emailing [email protected]. We may suspend or end access if you break these terms, or if we need to stop the Service. If we stop the Service, we will give you reasonable notice and delete your data as described in the Privacy Policy.
13. Disclaimers and liability
The Service is provided "as is" during early access. To the extent the law allows, we are not liable for indirect or consequential losses, or for decisions you make based on a summary. Our total liability to you for any claim is limited to the amount you paid us in the 3 months before the claim, or ₹1,000 if you paid nothing. Nothing in these terms limits rights that you have under Indian consumer protection law and that can't be waived.
14. Governing law and disputes
These terms are governed by the laws of India. Please contact us first so we can try to resolve any dispute informally. If we can't, the courts of India will have jurisdiction.
15. Grievances and contact
Email [email protected]. For data-protection complaints, see the Grievance Officer section of our Privacy Policy.
16. Changes
We may update these terms as the Service develops. For material changes we will notify you in advance on WhatsApp or by email. If you keep using the Service after the change takes effect, you accept the updated terms.