These Terms govern your use of TrakFi — the app at trakfi.in and the TrakFi Android app. By using TrakFi, you agree to these Terms. If you don't agree, please don't use the app.
You must be at least 18 years old, or the age of majority in your region, to create an account or make a purchase. TrakFi is not directed at children.
Signing in with Google via Firebase Authentication is required for cloud backup (Gold), real-time cloud sync (Elite/Lifetime), household sharing (Elite), and any paid upgrade. You're responsible for keeping your Google account secure — anyone with access to it can access your backed-up/synced TrakFi data. The Free tier works without signing in, with data stored locally on your device.
TrakFi offers a permanent Free tier and three paid tiers — Gold, Elite, and Lifetime — each described on the pricing page. Prices shown there (including any "Launch Offer" pricing) are the current, authoritative prices.
You own the financial data you enter into TrakFi. We don't claim any ownership over it. See our Privacy Policy for what's collected, where it's stored, and how features like SMS Auto-Import, AI Quick Add, AI Finance Suggestions, and household sharing handle your data.
Local-first storage. On the Free tier, your data lives in your browser's or app's local storage on your own device by default, and we do not maintain any server-side backup of it — if you clear your browser/app data, uninstall the app, or lose your device without exporting or backing up first, that data may be unrecoverable. Use the in-app export/backup feature regularly if you're on Free.
Cloud backup and sync (Gold, Elite, and Lifetime). If you're signed in on Gold, your data is additionally backed up to our Firestore database at three fixed times a day — 12:00 AM, 9:00 AM, and 5:00 PM IST — so a lost or reinstalled device doesn't mean losing your ledger; this is a scheduled safety-net backup, not a live multi-device sync. If you're signed in on Elite or Lifetime, your data is instead kept in sync with our Firestore database in real time, so it stays current and available across every device you use, subject to our Privacy Policy.
AI Quick Add and AI Finance Suggestions use a third-party AI model to help parse notes and generate suggestions; results are provided for convenience and are not guaranteed to be accurate — always review parsed entries and suggestions before relying on them. SMS Auto-Import (Android app) parses transaction SMS entirely on your device and never posts an entry without your explicit approval; it's a convenience tool, and you're responsible for reviewing what it proposes before adding it to your ledger.
AI usage allowances. Each tier's monthly AI Quick Add and AI Finance Suggestions allowances are shown on the pricing page and in-app. These allowances — including Lifetime's, which is set lower than Elite's — may be changed going forward at our discretion; we'll keep the current allowances visible on the pricing page and in-app rather than changing them without notice. Lifetime's one-time payment covers every other Lifetime feature permanently; its AI allowance specifically is the one part of the plan that isn't fixed for life, since it carries an ongoing per-use cost that a single payment doesn't fund indefinitely.
TrakFi — including AI Finance Suggestions — is an informational and organizational tool. Nothing in the app constitutes financial, investment, tax, or legal advice, and TrakFi never recommends a specific stock, fund, or product. Decisions about your money are yours to make; consider consulting a qualified professional for advice specific to your situation.
Please don't use TrakFi to: attempt to access another person's account or data without authorization; interfere with or disrupt the app or our servers; reverse-engineer the app beyond what applicable law permits; or use the app for any unlawful purpose.
If you use household sharing (Elite), you control which categories are shared and who you invite. Shared categories and their entries become visible to every member of that household. Removing a member or leaving a household stops their future access to shared data going forward, but doesn't retroactively undo what they already saw while a member.
You can stop using TrakFi and delete your account at any time by contacting trakfi.app@gmail.com. We may suspend or terminate access for violations of these Terms, such as abuse of shared backend resources or unlawful use.
TrakFi is provided "as is" and "as available," without warranties of any kind, express or implied. To the maximum extent permitted by law, TrakFi and its operators are not liable for indirect, incidental, or consequential damages arising from your use of the app, including data loss from locally-stored data that wasn't backed up.
We may update these Terms as TrakFi's features change. The "Last updated" date at the top reflects the latest revision. Continuing to use TrakFi after changes take effect means you accept the updated Terms.
Questions about these Terms can be sent to trakfi.app@gmail.com.