1. Agreement

These Terms of Service ("Terms") are a legal agreement between you and Rainborne Nexus, a sole proprietorship registered in India (proprietor: Mrutyunjaya Panigrahi), which operates the Syncrofin Android application ("Syncrofin", "the app", "the Service").

In these Terms, "we", "us" and "our" mean Rainborne Nexus. "You" and "your" mean the person using the app.

By creating an account or using Syncrofin, you agree to these Terms. If you do not agree, do not use the app.

Please also read our Privacy Policy, which explains how we handle your personal information and forms part of this agreement.

2. What Syncrofin is — and is not

What it is. Syncrofin is a personal record-keeping tool. It stores information you type in and performs arithmetic on it. It helps you track income and expenses, budgets, bills, subscriptions, loans, investments, deposits, insurance, receivables, payables, savings goals, a trading discipline journal, and expenses shared with other people.

• A bank, financial institution or payment service. We hold no money, move no money, and process no payments between you and anyone else.
• A source of financial, investment, tax or legal advice. Nothing in the app is a recommendation to do anything with your money.
• Connected to your bank. There is no bank integration. The app cannot see your accounts, balances or statements.
• An automatic tracker. Every record is one you entered by hand. The app does not read your SMS messages, import transactions, or scan receipts.
• A legally binding record of debts. See section 5.

3. Eligibility

To use Syncrofin, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Not be barred from using the Service under the laws of your country
• Not have had your account previously terminated by us for breach of these Terms

4. Your account

Creating an account. You register with an email address and a password. You must give accurate information and keep it current.

Keeping it secure. You are responsible for:

• Keeping your password confidential
• Everything that happens under your account
• The security of the device on which you use the app
• Telling us promptly at support@getsyncrofin.com if you believe your account has been accessed without your permission

One account per person. Do not share your account, sell it, or let anyone else use it.

5. Shared expenses and groups — important

Syncrofin lets you create groups and split expenses with other people.

• A balance shown in the app is arithmetic on entries that you or another member typed in. It is not proof that anyone owes anyone anything.
• We are not a party to any arrangement between you and the people you share expenses with.
• We do not verify that any expense, amount, split or settlement is accurate or that it actually happened.
• We do not collect, transfer, hold or enforce payment between members. Marking a balance as settled in the app is a note that you settled it elsewhere; it moves no money.

What other members can see. When you add an expense to a group, every member of that group can see its description, amount, date, category, who paid, and how it was split — along with your display name. Only share expenses with people you intend to share them with.

Members can edit shared data. Depending on the group, other members may be able to edit or delete expenses they can see. By joining a group you accept that shared records are collaborative.

Adding people by name. When you add someone to a group by typing their name, you are creating a placeholder — no account is created for them and they are not contacted. You are responsible for having a reasonable basis to record expenses involving that person.

Invitations. Invite links contain a one-time code. Anyone with the link can join the group and see its expenses. Share invite links only with people you intend to include.

Leaving and removal. A group member who owes money may be required to settle before leaving. A group owner may remove a member, and may need to acknowledge any outstanding balance first. Removing or leaving does not erase historical records — see section 11.

6. Acceptable use

You agree not to:

• Use Syncrofin for any unlawful purpose, including money laundering, fraud, tax evasion or financing illegal activity
• Enter information you have no right to record, including another person's private information
• Impersonate anyone, or misrepresent your identity or connection to any person
• Use another person's account, or let anyone else use yours
• Attempt to gain unauthorised access to the Service, other users' data, or our systems
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the app, except where that restriction is prohibited by law
• Interfere with, disrupt or overload the Service, or circumvent any security or rate limit
• Use automated means to access the Service, or extract data at scale
• Copy, resell, sublicense or commercially exploit the Service or its content
• Add content to shared groups that is abusive, harassing, obscene, defamatory, or that infringes anyone's rights
• Use the Service to harass, threaten or extort another person

7. Your content

You own what you enter. All records you create in Syncrofin remain yours. We claim no ownership of them.

Licence to operate the Service. You grant us a limited, non-exclusive, worldwide, royalty-free licence to store, process, transmit and display your content solely to provide the Service to you and to the people you share it with. This licence exists only so the app can function — storing your records, calculating your balances, and showing shared expenses to group members. It ends when you delete the content or your account, except as described in section 11.

You are responsible for your content. You represent that you have the right to record everything you enter, and that doing so does not violate any law or anyone's rights.

Removal. We may remove content that breaches these Terms or that we are legally required to remove. We have no obligation to monitor content and generally do not.

8. Our intellectual property

The Syncrofin app, its name, logo, design, interface, text, graphics and software are owned by Rainborne Nexus and protected by intellectual property laws.

We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control, for your own personal, non-commercial use, subject to these Terms.

You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Service.

9. Free and paid features

The free version. Syncrofin is free to download. Recording transactions and splitting expenses in groups are free and unlimited. The free version is supported by advertising — see the Advertising subsection below.

Syncrofin Pro. Syncrofin Pro is an optional paid subscription that unlocks all other features — the analytics dashboard, investments, loans, receivables and payables, bills and subscriptions, goals, insurance, the trade journal and Ghost Mode — and removes ads. Pro is available as a monthly or yearly subscription with a 7-day free trial for new subscribers. The following terms apply:

• Subscriptions are sold and processed through Google Play, not by us. We never receive your payment details.
• Prices are shown in the app before purchase and may vary by country and over time.
• New subscribers may be offered a 7-day free trial. If you start a trial, you will not be charged until the trial ends; you can cancel any time before the trial ends through Google Play to avoid being charged. Trial eligibility is determined by Google Play (generally, users who have not previously subscribed).
• Subscriptions renew automatically until cancelled. You may cancel at any time through your Google Play account settings; cancellation takes effect at the end of the current billing period.
• Refunds are governed by Google Play's refund policy, not by us. We cannot issue refunds for purchases made through Google Play. Contact Google Play support for refund requests. We may, at our discretion, help you with a request but cannot guarantee an outcome.
• If a subscription lapses, any paid features become unavailable. Your data is not deleted — you keep everything you recorded, and you can still view it, subject to any limits of the free tier.

Advertising. The free tier shows ads supplied by Google AdMob. To serve ads, Google receives your device's advertising identifier and ad-interaction data; Google never receives any financial record you enter. Where required by law, we ask for consent or offer an opt-out before personalised ads, and you can change your choice from Privacy options in the app (More → Profile → Preferences). Syncrofin Pro removes ads entirely. See the Privacy Policy for details.

Changes to features and pricing. We may add, change or remove features, and may change what is free and what is paid. If a change materially reduces what an active paid subscription provides, we will give you notice before it takes effect.

10. Availability, changes, and your data's safety

The Service is provided "as is" and "as available". We do not promise it will be uninterrupted, error-free, or available at any particular time.

Interruptions. The Service may be unavailable due to maintenance, updates, technical problems, or matters outside our control — including failures by network providers, hosting providers, power outages, natural events, or acts of government.

Changes to the Service. We may modify, suspend or discontinue any part of the Service. If we discontinue the Service entirely, we will give you at least 30 days' notice where practicable, so you can note or record anything you need.

11. Deleting your account

You may delete your account at any time from More → Profile → Delete Account.

What is deleted. Your account and all records you created — transactions, budgets, bills, subscriptions, loans, investments, deposits, insurance, receivables, payables, goals and trade journal entries.

Why. A shared expense is a shared record. Erasing your share of a ₹3,000 dinner split three ways would silently make the other two members' balances wrong. Your right to delete your data cannot extend to corrupting someone else's records. What remains is the amount, date, description and split — anonymised, with no link to you.

12. Suspension and termination by us

We may suspend or terminate your access to the Service, with or without notice, if:

• You breach these Terms
• We are required to by law, or by a court or regulator
• Your use poses a security, legal or operational risk to us or other users
• We discontinue the Service (with notice, per section 10)

Where practical and lawful, we will tell you the reason and give you an opportunity to respond. If you believe a suspension was in error, write to support@getsyncrofin.com within 30 days and we will review it.

Effect of termination. Your right to use the Service ends immediately. Sections that by their nature should survive — including sections 5, 7, 8, 13, 14, 15, 17 and 18 — continue to apply.

13. Disclaimers

Without limiting that:

• We do not warrant the accuracy of any figure the app displays. All calculations operate on data you entered. Balances, totals, net worth, projections and calculator outputs are arithmetic, not verified financial statements.
• Calculator outputs are estimates. The EMI, SIP, amortisation and fixed-deposit calculators use standard formulas and stated assumptions. Real institutions may use different conventions, rounding, fees or day-count methods, and their figures may differ. Do not rely on a calculator output for a financial decision without checking it against your actual lender or provider.
• We do not warrant that the Service will meet your requirements, be uninterrupted or secure, or that defects will be corrected.
• We are not responsible for third-party services the app relies on, including Google Play and Firebase.
• Nothing in the Service is financial, investment, tax or legal advice. Consult a qualified professional before making financial decisions. You are solely responsible for decisions you make using information you keep in Syncrofin.

Some jurisdictions do not allow the exclusion of certain warranties; in those places, some exclusions above may not apply to you, and you may have rights that these Terms cannot limit.

14. Limitation of liability

We are not liable for indirect losses. We will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, data, goodwill, business opportunity, or anticipated savings, arising out of or relating to your use of (or inability to use) the Service — whether or not we were advised such damages were possible.

We are not liable for these specifically:

• Financial decisions you make based on information in the app
• Losses arising from inaccurate data you or another user entered
• Disputes between you and other users over shared expenses or settlements
• Loss or corruption of data, where we have taken reasonable measures
• Unauthorised access to your account resulting from your password or device not being kept secure
• Acts or omissions of third parties, including Google and network providers

15. Indemnity

You agree to indemnify and hold harmless Rainborne Nexus and its proprietor from any claim, demand, loss, liability, damage, cost or expense (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms
• Your misuse of the Service
• Content you entered, including information about other people
• Your violation of any law or of anyone's rights
• A dispute between you and another user

16. Changes to these Terms

We may update these Terms.

• For minor changes, we will update the "Last updated" date.
• For material changes — such as changes to your rights, obligations, or fees — we will give at least 30 days' notice in the app or by email before they take effect.

17. Governing law and disputes

Governing law. These Terms are governed by the laws of India, without regard to conflict-of-law principles.

Try us first. Before starting formal proceedings, please contact support@getsyncrofin.com with the details. Most problems can be sorted out directly, and we will make a genuine effort to resolve your complaint.

18. General

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service, and replace any earlier understanding.

Severability. If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary or removed, and the remaining provisions stay in force.

No waiver. If we do not enforce a right or provision, that is not a waiver of it.

Assignment. You may not transfer your rights under these Terms. We may transfer ours in connection with a merger, acquisition or sale of the business, on notice to you.

No third-party rights. These Terms do not create rights for anyone other than you and us.

Force majeure. We are not liable for failure to perform caused by events beyond our reasonable control.

Language. These Terms are written in English. Any translation is for convenience; the English version governs.

19. Contact

Email: support@getsyncrofin.com

Rainborne Nexus · Proprietor: Mrutyunjaya Panigrahi · B203, Grishma Apartment, Vasant Utsav Society, Hinjewadi, Pune, Maharashtra, India 411057

By using Syncrofin, you confirm you have read, understood and agree to these Terms of Service.