Terms & Conditions

By downloading, installing, or using the CashBook mobile application (the "App"), you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not use the App. Your continued use of CashBook after any revision to these Terms constitutes your acceptance of the updated Terms.

CashBook is a mobile application that allows users to:

• Create and manage personal or shared digital cashbooks (ledgers)
• Record cash-in (credit) and cash-out (debit) transactions with notes and photo attachments
• Invite collaborators to shared Group Books for joint expense tracking
• View transaction history, entry edit logs, and running balances
• Export cashbook reports as PDF documents on-device
• Sync data in real time across devices using Firebase cloud infrastructure
• Operate offline with automatic sync upon reconnection

CashBook is a record-keeping tool only. It does not process payments, hold funds, provide banking services, or offer financial, legal, or tax advice.

To use CashBook, you must:

• Be at least 13 years of age (or the applicable age of digital consent in your country)
• Have a valid mobile phone number capable of receiving SMS OTPs
• Use a non-jailbroken, non-rooted device running a supported version of iOS or Android
• Have downloaded the App from an official app store (Apple App Store or Google Play Store)

By using CashBook, you represent and warrant that you meet all of the above eligibility requirements.

CashBook uses Firebase Phone Authentication. Your phone number serves as your account identifier. You agree to:

• Provide a valid phone number that you own and control
• Not share your OTP with any other person
• Notify us immediately if you suspect unauthorized access to your account
• Accept responsibility for all activities that occur under your account

You may use CashBook solely for lawful personal or business cash record-keeping purposes. You agree that you will not:

1. Use the App to record, facilitate, or conceal illegal financial transactions, money laundering, fraud, or any activity that violates applicable law
2. Attempt to reverse-engineer, decompile, or disassemble any part of the App
3. Use automated scripts, bots, or scrapers to access or extract data from the App
4. Attempt to gain unauthorized access to other users' cashbooks, accounts, or data
5. Upload malicious content, viruses, or disruptive code via photo attachments
6. Impersonate any other person or entity when registering or using the App
7. Resell, sublicense, or commercially exploit the App or its features without our written permission
8. Violate any applicable local, national, or international law or regulation

CashBook is a personal ledger tool. You are solely responsible for:

• The accuracy, completeness, and legality of all financial entries you record
• Verifying balances and transaction records before making any financial decisions
• Maintaining your own backup records as required by applicable law or your own business practices
• Ensuring that any PDF exports or reports generated from CashBook are reviewed for accuracy before use in any official, legal, or tax context

CashBook does not provide accounting, auditing, tax, or financial advisory services. Nothing in the App or its outputs constitutes professional financial advice. Always consult a qualified professional for such matters.

When you create a Group Book or invite collaborators, the following rules apply:

• Owner Responsibility: The book owner (creator) is responsible for managing member access. Inviting a collaborator grants them the ability to view and add entries according to their assigned role.
• Shared Data: All members of a Group Book can view the entries within that book. You accept that any data you add to a shared book is visible to all current and future members with access to that book.
• Entry History: All edits and deletions are logged in an immutable audit trail visible to book members. You cannot permanently erase your contribution history from a shared book.
• Removal: Owners may remove members at any time. Removed members lose access to the book's data but historical entries they created remain in the book.
• Dispute Resolution: CashBook is not responsible for disputes between collaborators regarding financial records. Any such disputes are solely between the parties involved.

Our IP: The CashBook name, logo, app design, software code, Cloud Functions, and all related materials are the exclusive intellectual property of CashBook and its developers. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes in accordance with these Terms.

Your Data: You retain full ownership of the financial data and content you create within CashBook. By using the App, you grant us a limited, non-exclusive license to store, process, and transmit your data solely for the purpose of providing the service to you.

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• The App will be error-free, uninterrupted, or available at all times
• Data sync will be instantaneous or immune to network-related delays
• The App will meet your specific business or accounting requirements

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASHBOOK OR ITS DEVELOPERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE APP OR YOUR RELIANCE ON ANY FINANCIAL DATA RECORDED THEREIN.

We reserve the right to suspend or terminate your account at any time, with or without notice, if we reasonably believe you have:

• Violated these Terms or our Privacy Policy
• Engaged in fraudulent, abusive, or illegal activity
• Attempted to compromise the security or integrity of the App or other users' data

You may terminate your account at any time by deleting the App and contacting us to request account deletion. Upon termination, your right to use the App ceases immediately, and your data will be deleted in accordance with our Privacy Policy retention schedules.

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the courts located in India.

We encourage you to contact us first to resolve any dispute informally before initiating formal legal proceedings.

We may revise these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page and, for material changes, provide notice within the App. Your continued use of CashBook following any revision constitutes your acceptance of the new Terms.

If you do not agree with the updated Terms, you must stop using the App and may request account deletion.