1. About these terms
These Terms of Service ("Terms") are an agreement between you and Manoj Narasimha Modugala ("we", "us") about your use of the NeuralSpend mobile app and related services (the "Service"). By creating an account or using the Service you agree to them. If you do not agree, please do not use the Service.
You must be at least 18 years old, or the age of majority where you live, to use the Service.
2. What the Service does
NeuralSpend helps you record and understand your own money: accounts, transactions, budgets, goals, debts, recurring bills, forecasts and an AI assistant called Neuro.
NeuralSpend is a record-keeping and insight tool. It is not a bank, does not hold or move your money, and cannot make payments. It is not financial, investment, tax or legal advice.
3. Your account
You are responsible for the information you enter, for keeping your sign-in details and device secure, and for everything that happens under your account. Tell us promptly if you think someone else has accessed it.
You can switch on app lock (biometrics) and two-step verification in Profile. We strongly recommend both.
4. Your data
Everything you enter or import stays yours. You give us only the permission needed to store it, process it and show it back to you, and, if you switch the AI features on, to send the relevant parts to our AI provider so Neuro can answer.
You can export your transactions as a CSV file and delete your account (and the data in it) at any time from Profile. How we handle personal data is described in the Privacy Policy.
5. AI features
Neuro and the other AI features (describe-it entry, statement and loan-document reading, spending insights) are optional and off until you allow them. They use a third-party AI model.
AI can be wrong. It may misread a document, mis-categorise a transaction or give an inaccurate forecast. Check results before relying on them. Nothing is saved from an AI suggestion until you confirm it.
AI features use credits. Each plan includes a monthly number of credits, shown in the app. Unused credits do not roll over.
6. Plans and payments
The Service has a free plan (Neural Lite) and paid plans (Neural Pro and Neural Max) that add AI credits and access to the advanced AI model. Prices are shown in the app in your local currency before you buy.
Paid plans are purchased through Google Play and billed to your Google Play account. They renew automatically every month or year until you cancel. You can cancel at any time in Google Play (Payments & subscriptions); cancelling stops the next renewal and you keep your plan until the end of the period you already paid for. Deleting your NeuralSpend account does not cancel a Google Play subscription, so cancel it in Google Play first.
Refunds are handled by Google Play under its policy, except where the law requires otherwise. If a subscription ends or is refunded, your account returns to Neural Lite. Your data is not deleted, and you keep using every feature that does not need AI credits.
We may change plan prices or credit amounts. A price change for an existing subscription follows Google Play's rules, including its notice and consent requirements.
7. Acceptable use
You agree not to:
- break the law or use the Service for fraud or money laundering;
- try to access other people's accounts or data, or probe, disrupt or overload the Service;
- reverse engineer the app or remove its protections, except where the law allows it;
- upload malware or content you have no right to upload (for example other people's statements);
- abuse the AI features, for example to generate harmful content or to bypass credit limits.
8. Third-party services
The Service relies on other providers (hosting and database, sign-in, AI, exchange rates, app stores). Their services are subject to their own terms, and we are not responsible for their availability. See the Privacy Policy for who they are and what they receive.
9. Availability and changes
We work to keep the Service reliable but it is provided "as is" and "as available", and may be interrupted for maintenance or for reasons outside our control. Keep your own records of anything important; the in-app export helps with that.
We may improve, change or remove features. If we change these Terms in a material way we will ask you to accept the new version before you continue.
10. Ending your use
You may stop using the Service and delete your account at any time. We may suspend or end access if you seriously or repeatedly break these Terms or if the law requires it.
11. Liability
To the fullest extent the law allows, we are not liable for indirect or consequential loss, lost profit, or financial decisions you make using the Service or its AI output. Our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the claim, or INR 1,000 if you paid nothing.
Nothing in these Terms limits liability that cannot be limited by law, or your statutory rights as a consumer.
12. Governing law and contact
These Terms are governed by the laws of India, and the courts there have jurisdiction, subject to any mandatory consumer rights where you live.
Questions about these Terms: support@neuralspend.app.