Trackk

Trackk — Terms of Service

Effective date: TBD — set on Play Store launch Last updated: 28 May 2026

These Terms of Service (“Terms”) govern your access to and use of the Trackk mobile application, related websites, and any associated services (collectively, the “Service”) provided by Trackk Technologies, a sole proprietorship of Ms. Vandana S (“we”, “our”, “us”), having its registered office at 3/336, Sri Sai Nagar, 2nd Street, Hosur, Krishnagiri District, Tamil Nadu – 635126, India.

By creating an account, signing in, or otherwise using Trackk, you agree to be bound by these Terms and the Privacy Policy. If you do not agree, do not use the Service.

Contents

  1. Definitions
  2. What Trackk Is — and What It Is Not
  3. Eligibility
  4. Your Account
  5. Device Permissions and Data You Allow Trackk to Read
  6. Your Content
  7. Group Features
  8. Premium and Paid Features
  9. Acceptable Use
  10. Third-Party Services
  11. Intermediary Status (IT Act, 2000)
  12. Disclaimers
  13. Limitation of Liability
  14. Indemnification
  15. Suspension and Termination
  16. Force Majeure
  17. Changes to the Service and to These Terms
  18. Governing Law and Dispute Resolution
  19. App Store Specific Terms (iOS, when available)
  20. Miscellaneous
  21. Contact

1. Definitions

In these Terms, the following capitalised words have the meanings set out below. Other capitalised terms are defined where they first appear.

2. What Trackk Is — and What It Is Not

Trackk is a personal expense-tracking and group-expense-splitting tool. You can use it to:

Trackk is not, and does not hold itself out to be:

We do not initiate, authorise, settle, or guarantee any payment or money transfer. Where the Service exposes a “settle” or “pay” action, it constructs a UPI deep-link that opens your chosen UPI app; the actual transfer (if any) is executed entirely by you, through that third-party app, and is governed by that app’s terms.

Any insight, suggestion, summary, projection, or category our software generates is informational only and must not be relied upon as financial advice. You are solely responsible for your financial decisions.

3. Eligibility

You may use Trackk only if:

If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

4. Your Account

To use most features you must create an account using a supported sign-in method (e.g. Google Sign-In, phone number with OTP).

You agree to:

We may suspend or terminate your account at any time if we reasonably believe you have breached these Terms, our Privacy Policy, or applicable law, or if your conduct creates risk for us or other users.

5. Device Permissions and Data You Allow Trackk to Read

To deliver core features, Trackk asks you to grant certain device permissions. These permissions are entirely optional; you can revoke them at any time in your device settings, and the Service will continue to function with reduced automation.

You acknowledge and agree that:

  1. SMS parsing relies on heuristics and may misidentify, duplicate, or miss transactions. You are responsible for reviewing detected entries before relying on them.
  2. We do not access your bank, credit-card, or wallet accounts directly, and we do not have, nor request, your banking credentials.

6. Your Content

“Your Content” means transactions, notes, group memberships, group expenses, settlements, comments, goals, budgets, custom categories, and any other data you record, upload, or generate using the Service.

You retain all rights in Your Content. You grant us a limited, non-exclusive, royalty-free, worldwide licence to host, store, copy, display, transmit, and process Your Content solely to:

This licence ends when you delete the corresponding Content or your account, except where retention is required to comply with law, resolve disputes, or enforce these Terms.

You represent and warrant that:

7. Group Features

When you join or create a group, transactions, splits, comments, member display names, and balances within that group are shared with the other members of that group. If you add a UPI ID to your profile, it is also shared with the members of the groups you belong to so they can pay you back. Settlement actions (such as UPI deep-links) are constructed locally on your device and executed via a third-party UPI app of your choice; we are not a party to, and do not guarantee, any settlement.

You are responsible for verifying that you are inviting the correct people, that the splits you record are accurate, that any UPI ID you add is correct and current, and that any settlements actually take place. Before completing a payment, you are responsible for confirming the recipient, the UPI ID, and the amount inside your UPI app. We are not liable for payments sent to the wrong recipient or for the wrong amount, including where a UPI ID is mistyped, out of date, or belongs to someone other than the intended payee.

8. Premium and Paid Features

If we offer paid plans:

You may cancel any time from the store’s subscription management screen (Play Store / App Store) or by emailing support@trackk2save.com for Razorpay-processed plans.

9. Acceptable Use

You agree not to:

10. Third-Party Services

The Service relies on third-party providers including, without limitation, Google Firebase (authentication, Firestore, FCM, Cloud Functions), Razorpay (payment processing on Android), Google Play Billing, Apple In-App Purchase, the Gmail / Microsoft Graph / Yahoo Mail APIs (for the optional planned email-scanning feature), and exchange-rate APIs. Where you choose to settle a balance, it routes through your selected UPI app. These third parties are governed by their own terms and privacy policies. We are not responsible for their acts or omissions.

11. Intermediary Status (IT Act, 2000)

For all User-generated content on the Service — including (without limitation) group names, group photos, expense descriptions, notes, comments, member display names, support submissions, and feedback — Trackk operates as an intermediary within the meaning of Section 2(1)(w) of the Information Technology Act, 2000 (India) and as defined under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

We do not pre-screen User-generated content and are not responsible for any third-party content uploaded, posted, or transmitted via the Service. We will, however, act on lawful takedown notices in accordance with Rule 3(2) of the 2021 Rules. To report content you believe violates the law or these Terms, email support@trackk2save.com with the subject “Content takedown request” including: (a) a clear description of the content; (b) the legal basis for removal; (c) your contact information and a good-faith affirmation of accuracy. We will acknowledge within 24 hours and respond on the merits within 72 hours, in line with the timelines under the 2021 Rules.

Our safe-harbour protection under Section 79 of the IT Act is preserved by our compliance with these Rules and by the limitations on User conduct in §9 above.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

You bear all responsibility for verifying the accuracy of every amount, category, debt, balance, settlement, and projection before acting on it. Always reconcile against your actual bank, card, and UPI records.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

  1. No indirect or consequential damages. We will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, savings, data, goodwill, business opportunity, or anticipated savings, arising out of or related to your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

  2. Aggregate cap. Our total aggregate liability for all claims arising out of or related to the Service or these Terms will not exceed the greater of (a) the amount you have paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) INR 1,000 (or its equivalent in your local currency).

  3. Financial outcomes. Because Trackk is a record-keeping and informational tool only, we are not responsible for any financial outcome — including missed payments, overdrafts, tax liability, penalties, fees, lost interest, investment performance, or disputes with other group members — that you experience while using or after using the Service.

  4. Carve-outs. Nothing in this Section limits or excludes our liability for: (a) gross negligence or wilful misconduct; (b) fraud or fraudulent misrepresentation; (c) death or personal injury caused by our negligence; or (d) any other liability that cannot be lawfully excluded or limited under applicable law, including the Digital Personal Data Protection Act, 2023 (India) and the Consumer Protection Act, 2019 (India).

Some jurisdictions do not allow certain exclusions of liability, so parts of this section may not apply to you. Nothing in these Terms excludes liability that cannot be lawfully excluded.

14. Indemnification

You agree to defend, indemnify, and hold harmless Trackk Technologies, a sole proprietorship of Ms. Vandana S, its officers, directors, employees, agents, and contractors from and against any claim, demand, loss, liability, damage, or expense (including reasonable legal fees) arising out of or relating to:

15. Suspension and Termination

You may stop using the Service and delete your account at any time from the in-app Delete Account option in your profile. Deletion is permanent and removes your personal data from our active systems, subject to limited retention under Section 7 of the Privacy Policy.

We may suspend or terminate your access immediately, with or without notice, if you breach these Terms, if continued provision would expose us to legal or security risk, or if we discontinue the Service. On termination, sections of these Terms that by their nature should survive (including disclaimers, limitation of liability, indemnification, governing law, and dispute resolution) will survive.

16. Force Majeure

Neither party will be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay results from causes beyond its reasonable control, including (without limitation): acts of God; natural disasters; fire; flood; earthquake; pandemic, epidemic, or public-health emergency; war, terrorism, riot, or civil disorder; action of government, regulator, or court; nationwide labour stoppage or industrial dispute; failure or unavailability of the public internet, electricity grid, telecommunications networks, or third-party hosting infrastructure (including Google Cloud / Firebase); cyberattack, including denial-of-service attacks, not caused by the affected party’s negligence; and any other event that the affected party could not reasonably have foreseen or prevented. The affected party will use reasonable efforts to mitigate the impact and resume performance as soon as practicable.

17. Changes to the Service and to These Terms

We may modify, add, suspend, or discontinue features at any time. We may also update these Terms; the Last updated date at the top will be revised. Where a change is material — including any change to fees, refund terms, dispute resolution, governing law, or your privacy rights — we will give you at least fourteen (14) calendar days’ prior notice via an in-app banner, push notification, or email before the revised Terms take effect. Non-material changes (typos, clarifying language, restructuring, or third-party-provider substitutions of equivalent function) may take effect immediately on publication. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree, your only remedy is to stop using the Service and delete your account before the effective date.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of India, without regard to its conflict-of-laws rules.

Before bringing any formal claim, you agree to first contact us at support@trackk2save.com and attempt in good faith to resolve the dispute informally for at least thirty (30) days.

If the dispute is not resolved, you and we agree that:

To the extent permitted by law, you waive any right to participate in a class, collective, or representative proceeding against us.

19. App Store Specific Terms (iOS, when available)

The following terms apply when you obtain the Service from the Apple App Store, in addition to (and where inconsistent, in substitution for) the rest of these Terms:

20. Miscellaneous

21. Contact

For questions, concerns, or notices under these Terms:

Trackk Technologies, a sole proprietorship of Ms. Vandana S 3/336, Sri Sai Nagar, 2nd Street, Hosur, Krishnagiri District, Tamil Nadu – 635126, India Email: support@trackk2save.com Grievance Officer (India / DPDPA): Ms. Vandana S, support@trackk2save.com

By tapping Continue, Sign in with Google, Verify OTP, or any equivalent button at sign-in, you confirm that you have read, understood, and agree to these Terms and to the Privacy Policy.