Terms of Service

These terms govern free access, paid subscriptions, and the Founding Member lifetime plan.

1. Operator and acceptance

Hisaab is a software-as-a-service product operated by Ankverse Global Consultancy FZCO, Dubai, United Arab Emirates ("Ankverse", "we", "us", or "our"). Our India correspondence office is at M3M IFC, Golf Course Road, Gurugram, Haryana, India.

By creating an account, buying a plan, or using Hisaab, you agree to these Terms and our Privacy Policy. If you use Hisaab for a family, you confirm that you are authorised to share relevant information and invite other members.

2. Service scope

Hisaab helps individuals and families record and understand income, expenses, accounts, bills, goals, budgets, and related financial information. Hisaab is not a bank, payment institution, broker, insurer, accountant, tax adviser, investment adviser, or fiduciary. It does not hold money or execute bill payments. Outputs depend on information supplied by users and are not professional financial, legal, accounting, or tax advice.

3. Accounts and acceptable use

• Provide accurate account information, protect your sign-in credentials, and report suspected unauthorised access.
• Review entries, amounts, vendors, categories, exchange rates, reminders, and reports before relying on them.
• Upload or share only information you own or are authorised to process, including household information.
• Do not misuse the service, interfere with security, automate abusive traffic, or use Hisaab unlawfully.

4. AI, invoices, and statements

When you use chat, voice, invoice reading, statement importing, or AI insights, relevant text, audio, images, or document contents may be processed by AI and infrastructure providers made available through Lovable, including models supplied by providers such as Google or OpenAI. Processing may occur outside India and the UAE.

AI classifications, extractions, summaries, and answers may be incomplete or wrong. You must review every proposed transaction and extracted field before saving or acting on it. Do not upload documents you are not authorised to process. See our Privacy Policy for more information.

5. Plans, prices, and payment

Hisaab may offer a free plan, monthly and annual Pro subscriptions, and a limited-availability Founding Member lifetime plan. Current features and displayed prices appear on the Pricing page. The final checkout screen shows the charge, billing currency, applicable taxes, and payment terms. Local-currency estimates may change with exchange rates, and your bank may charge separate fees.

6. Monthly and annual renewals

New subscribers may be offered a 14-day free trial on monthly and annual plans, once per account. Your payment method is collected at checkout but is not charged during the trial; the first charge occurs automatically when the trial ends unless you cancel before then. Monthly and annual subscriptions renew automatically at the end of each billing period using your saved payment method unless cancelled before the renewal date. By subscribing, you authorise recurring charges at the checkout price. We may change future prices with reasonable advance notice; a change applies from a later renewal and not retroactively.

7. Cancellation

You may cancel a subscription at any time through Manage billing on the Pricing page or by contacting support. Cancellation stops future renewals. Unless law requires otherwise, Pro access continues until the end of the paid billing period. Deleting an account does not create a refund.

8. Refund policy

Payments are non-refundable. We do not provide partial or prorated refunds for unused time, plan downgrades, accidental purchases, or inactivity, except where required by applicable consumer law or expressly agreed by us. Contact support promptly if you believe a charge is erroneous or duplicated.

9. Founding Member lifetime plan

"Lifetime" means Pro access for the commercial operating life of the Hisaab service, not the lifetime of an individual and not a guarantee that Hisaab will operate indefinitely. It is a one-time, non-renewing purchase for one account and is non-transferable unless approved by us in writing.

Lifetime access remains subject to these Terms, acceptable use, reasonable fair-use limits, technical availability, and third-party dependencies. It does not guarantee every future product, separately priced add-on, third-party service, unusually high-cost usage, or feature carrying substantial pass-through costs. We may reasonably modify, replace, limit, or discontinue features. If Hisaab is permanently discontinued, lifetime access ends.

10. Availability and changes

We aim to keep Hisaab reliable but do not guarantee uninterrupted or error-free availability. Maintenance, security events, internet failures, and third-party providers may affect access. We may update the service or these Terms and will reasonably communicate material changes.

11. Suspension, termination, and deletion

You may request account deletion from Settings → Data & Privacy. Hisaab currently provides a 30-day recovery period before permanent deletion. We may restrict or suspend access to protect users or the service, comply with law, address non-payment, or respond to serious or repeated breaches.

12. Disclaimers and liability

To the maximum extent permitted by law, Hisaab is provided "as is" and "as available" without implied warranties. Ankverse is not liable for decisions based on incorrect entries or AI outputs, missed bills or reminders, investment or tax outcomes, third-party failures, or indirect or consequential damages. Nothing excludes liability or consumer rights that cannot legally be excluded.

13. Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory consumer forum or remedy, disputes will be subject to the courts of Gurugram, Haryana, India. Before filing a claim, each party should provide written notice and a reasonable opportunity to resolve the dispute.

14. Support and grievance contact

For billing, support, privacy, or grievance matters, contact the Grievance Officer, Hisaab at connect@ankverse.com, or write to M3M IFC, Golf Course Road, Gurugram, Haryana, India. Include your registered email and enough detail for us to investigate. You may also use our Contact page.

Legal review required: This draft is general product language, not legal advice. Because Ankverse Global Consultancy FZCO operates from Dubai and offers Hisaab to customers in India, qualified UAE and Indian counsel should review the final terms, privacy disclosures, tax treatment, consumer rights, cross-border data transfers, and grievance process before publication.