Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using MoneyBook, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the application.

2. Nature of the Software

MoneyBook is a personal accounting and financial intelligence tool provided by Anirjan Collective. It offers AI-assisted voice entry, 50/30/20 budget analysis, privacy masking, recurring schedule management, and group expense splitting.

3. Informational Disclaimers

MoneyBook is an analytical and organizational tool. It does not provide certified financial, tax, or investment advice. Calculations such as Safe Daily Spend and 50/30/20 breakdowns are informational estimates. Users are solely responsible for verifying their financial decisions.

4. User Responsibilities & Account Security

• You are responsible for safeguarding your 4-digit PIN and device security credentials.
• You agree not to use the service for unlawful purposes or attempt reverse engineering of the software.

5. Intellectual Property

All algorithms, UI designs, brand marks, and software assets associated with MoneyBook and Arti AI are the exclusive property of Anirjan Collective.

6. Termination

You may terminate these terms at any time by uninstalling the application and deleting your account through the in-app Danger Zone settings.

7. Contact & Support

For questions regarding these Terms or legal inquiries, please contact our team via the official Anirjan Help & Support Desk, or reach us directly on WhatsApp or Telegram.