Terms of Service — Paisa Sync

Last updated: 1 August 2026
Publisher: ROUNAK KUMAR JHA, an individual developer based in Howrah, West Bengal, India
Contact: rounakjha291202.rar@gmail.com

Please read these terms before using Paisa Sync ("the app"). By signing in and using the app, you agree to them. If you do not agree, do not use the app.

1. What the app is

Paisa Sync is a personal expense tracker. It reads the transaction SMS your bank sends to your phone, works out what you spent, and shows you summaries, budgets and goals.

What it is not:

  • It is not a bank and is not affiliated with, endorsed by, or connected to any bank, card issuer, or payment provider.
  • It does not connect to your bank, move money, make payments, or access your accounts. It only reads text messages that have already arrived on your phone.
  • It is not a financial adviser. See section 4.

2. Your account

You must sign in with a Google account to use the app. You are responsible for keeping your Google account and your app PIN secure.

Your PIN is stored only as a one-way hash and cannot be recovered by us or by you. If you forget it, the only way back into the app is to reset it, which permanently erases the financial data stored on your device. Your bank SMS are untouched, so transactions can be re-imported afterwards.

You must be at least 13 years old to use the app. If you are under 18, you may use it only with the consent and supervision of a parent or guardian.

3. Accuracy — please read this one

The app identifies transactions by pattern-matching the text of your bank's SMS. Banks write these messages in many different formats and change them without notice. As a result:

  • The app will sometimes get things wrong. It may miss a transaction, read the wrong amount, pick the wrong merchant or category, or record a message that is not a real transaction.
  • The app may not see every transaction. Cash spending produces no SMS at all. Some banks do not send SMS for every transaction. If SMS permission is off, or the app was force-stopped, or your phone deleted old messages, transactions will be missing.
  • Foreign-currency transactions are recorded with a zero amount and flagged for you to complete, because the app has no exchange rate.
  • Balances shown are whatever your bank last stated in an SMS. They are not live, may be out of date, and are not a substitute for checking your bank.

Your bank statement is the authoritative record — not this app. You must verify anything that matters against your bank before relying on it. Do not use the app's figures for tax filing, loan applications, legal proceedings, or any purpose where accuracy is required, without independently checking them.

4. Not financial advice

The app displays calculations based on data you provide and data it reads from your SMS — for example "safe to spend", budget progress, spending trends and goal timelines.

These are arithmetic summaries of your own data, not financial advice. We are not licensed financial advisers, investment advisers, or accountants, and nothing in the app is a recommendation to spend, save, invest, borrow, or make any financial decision.

Decisions you make using the app are your own. Consult a qualified professional before making significant financial decisions.

5. Your responsibilities

You agree to:

  • Use the app only for your own personal, non-commercial purposes
  • Provide accurate information where you enter it yourself
  • Keep your device, Google account, and PIN secure
  • Not attempt to reverse-engineer, decompile, or tamper with the app, except to the extent that applicable law expressly permits
  • Not use the app to process anyone else's financial data without their consent
  • Not use the app for any unlawful purpose

6. Your data

Your financial data stays on your device. Our handling of your data is described in the Privacy Policy, which forms part of these terms.

You are responsible for your own backups. The app does not back up your financial data to any server. If you lose your phone, uninstall the app, reset it, or forget your PIN, that data is gone and we cannot restore it.

7. Advertising

The app may show advertisements. Ads are never selected using your financial data — your transactions, amounts, merchants and bank SMS are never shared with an advertising network or used to decide which ad you see. See section 4.3 of the Privacy Policy for what an advertising network does receive, and how to limit it from your device settings.

Advertisers are not our partners in any financial sense: an ad appearing in Paisa Sync is not a recommendation, endorsement, or advice, and we do not vet the products advertised. Anything you do with an advertiser is between you and them.

8. Availability and changes

The app is provided as-is and we may change, suspend, or discontinue it, or any feature of it, at any time. We may update it to fix problems, improve how it reads bank messages, or comply with a platform requirement such as a Google Play policy change.

Features that depend on third parties — Google Sign-In, and Android's SMS permissions — may stop working if those third parties change their rules. We cannot guarantee continued availability of such features.

9. No warranty

To the maximum extent permitted by law, the app is provided "as is" and "as available", without warranty of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the app will be uninterrupted, error-free, secure, or that it will correctly identify or categorise every transaction.

10. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, data, or goodwill, arising from your use of the app.

This includes, without limitation, any loss arising from:

  • A transaction the app missed, duplicated, or recorded incorrectly
  • A balance, budget, or "safe to spend" figure that turned out to be wrong
  • A financial decision you made based on the app
  • Loss of local data due to reset, uninstall, forgotten PIN, or device loss
  • Unavailability of the app or any feature

Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for fraud or for death or personal injury caused by negligence.

Where liability cannot be excluded, our total aggregate liability is limited to the greater of the amount you paid for the app in the twelve months before the claim, or ₹1,000.

11. Intellectual property

The app, its design, and its source code are owned by ROUNAK KUMAR JHA. These terms grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control.

Bank names, merchant names, and logos referred to in the app belong to their respective owners and are used only to identify your transactions. Their appearance does not imply any affiliation or endorsement.

12. Termination

You may stop using the app at any time by uninstalling it. To delete your data, see section 6 of the Privacy Policy.

We may suspend or terminate your access if you breach these terms or use the app unlawfully.

13. Governing law and disputes

These terms are governed by the laws of India. The courts at Howrah, India have exclusive jurisdiction over any dispute arising from them.

14. Changes to these terms

We may update these terms. The date at the top will change and the app will show a notice. Continuing to use the app after a change means you accept the updated terms. If you do not accept them, stop using the app and delete your data.

15. Contact

ROUNAK KUMAR JHA Howrah, West Bengal, India Email: rounakjha291202.rar@gmail.com