Terms of Service

1. Acceptance of terms

By downloading, installing, or using the Needs & Wants app or website (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

The Service is operated by Khushal Panchariya, an individual based in India, trading as "Needs and Wants." References to "we," "us," or "our" refer to Khushal Panchariya.

2. Eligibility

You must be at least 13 years old to use the Service. By using it, you represent that you meet this requirement. If you are under 18, you confirm that you have your parent or guardian's permission.

3. Your account

• You are responsible for maintaining the security of your account credentials.
• You must provide accurate information when creating an account.
• You may not share your account with others.
• You are responsible for all activity that occurs under your account.
• Notify us immediately at hello@needsandwants.in if you suspect unauthorised access.

4. Licence to use

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial purposes, subject to these Terms.

You may not:

• Copy, modify, distribute, sell, or sublicense any part of the Service
• Reverse-engineer, decompile, or attempt to extract source code
• Use the Service in any way that violates applicable law
• Scrape or systematically collect data from the Service
• Attempt to bypass or circumvent any security feature or paywall
• Use the Service to harass, abuse, or harm others

5. In-app purchases and subscriptions

Free trial

New users receive a 30-day free trial of all Pro features. You may earn additional trial days by referring friends. No payment is required during the trial period.

Pro Monthly subscription

Pro Monthly is an auto-renewing subscription billed monthly to your Apple ID. The subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple ID account settings at any time. No refund is provided for the unused portion of a billing period upon cancellation.

Lifetime Access

Lifetime Access is a one-time purchase that provides permanent access to all Pro features as long as the Service exists. It is not a subscription and does not auto-renew. All sales are final unless required otherwise by applicable law.

Pricing and changes

All prices are displayed in your local currency on the purchase screen. We reserve the right to change subscription prices with reasonable notice. Price changes will not affect the current billing period.

Refunds

All purchases are processed by Apple and are subject to Apple's refund policy. To request a refund, visit reportaproblem.apple.com.

6. Your data

You own your data. We do not claim any ownership over your expense data, categories, or any other content you create in the app. Your expense data is stored locally on your device and never uploaded to our servers (except temporarily via the device sync feature as described in our Privacy Policy).

By creating an account, you grant us a limited licence to store and process your account data (name, email, plan status, etc.) solely for the purpose of providing the Service to you.

7. Intellectual property

All content, design, code, trademarks, logos, and other materials that form the Service are owned by or licensed to Khushal Panchariya. Nothing in these Terms grants you any right to use our name, logo, or trademarks without our prior written consent.

8. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Needs & Wants is a personal finance tracking tool. It is not a financial adviser. Nothing in the app constitutes financial, investment, tax, or legal advice. You are solely responsible for your financial decisions.

We do not guarantee that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of liability

To the fullest extent permitted by applicable law, Khushal Panchariya shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or loss of goodwill, arising out of or in connection with your use of the Service.

Our total liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or INR 500, whichever is greater.

10. Termination

You may stop using the Service and delete your account at any time via Settings → Delete Account in the app.

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or abuse the Service. Active subscriptions will not be automatically refunded upon termination for cause.

11. Changes to the Service

We may modify, suspend, or discontinue any part of the Service at any time. We will make reasonable efforts to notify users of significant changes. Continued use of the Service after changes are made constitutes acceptance of the updated Terms.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be communicated by updating the "Last updated" date. Your continued use after changes are posted constitutes acceptance.

13. Governing law

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of India.

14. Contact

If you have any questions about these Terms: