Terms of use

MoneyPlanza is a planning tool that helps you organise your income, commitments and spending. It is not a bank, payment service, lender, insurer or financial adviser, and it does not move money.

You need a MoneyPlanza account, with your real name, age, mobile number and city, to use the app. The website planner is a preview and needs no account. Keep your login email or Google account secure; you are responsible for activity on your account. One account per person.

What you enter in the app is saved on your phone and to your account, and used as described in the Privacy policy, which forms part of these terms. You can delete it at any time.

We send service messages about your account and reminders you set up. We may also send updates, tips and offers by email, SMS, WhatsApp or notification; you can opt out of these at any time.

SIP, lumpsum, goal and EMI results, and comparisons with gold and fixed deposits, are illustrations based on the numbers you enter. Actual returns, interest rates and charges will differ. The last EMI date, months left and balances worked out from the loan details you enter, and the amount shown as potential to invest, are estimates too — check them with your bank or lender. None of this is investment advice — please check with your bank or a SEBI-registered adviser before making decisions.

Reminders and notifications are a convenience. Your phone may delay or block them, so always confirm due dates with your bank or biller. Spends, money received, categories and daily totals added from bank SMS are worked out automatically and may be missing, late or wrong; please check them in the app. MoneyPlanza is not responsible for missed payments, late fees or interest.

Payments you make in other apps are between you and that app or biller. Marking a bill as paid in MoneyPlanza only updates your own records. Links to other services, such as subscription account pages, are provided for convenience.

Don't misuse MoneyPlanza, try to access other people's data, or interfere with the service. We may suspend accounts that do.

We may improve, change or pause features and update these terms. Continuing to use MoneyPlanza means you accept the latest version. These terms are governed by the laws of India.

Questions about these terms: support@moneyplanza.com