Terms & Conditions
These terms are an agreement between you and Mintro ("we", "us") for your use of the Mintro app and its online services ("Mintro"). By creating an account or using Mintro you accept these terms and our Privacy Policy. If you don't agree, please don't use Mintro.
1. Who can use Mintro
You must be at least 13 years old, and old enough to accept these terms where you live. If you are under the age of majority, a parent or guardian must agree to them for you.
2. Your account
- Give accurate information when you sign up and keep it up to date.
- Keep your password and devices secure. You are responsible for what happens under your account.
- Tell us promptly if you think someone else has accessed your account.
3. What Mintro is, and isn't
Mintro is a personal finance tool for recording and organising your money: accounts, transactions, budgets, planned payments, notes, and shared expenses. It is not:
- Financial, tax, legal or investment advice. Reports, budgets and summaries are based only on what you enter. Decisions you make with them are yours.
- A bank or payment service. Mintro does not hold or move money. Split groups record who owes whom; settling up happens outside Mintro, between you and the other people.
- An official record. Keep your own copies of anything you need for tax or legal purposes. Mintro lets you export your records.
4. Your content
The records, notes and attachments you add stay yours. You give us permission to store, copy, process and display them only as needed to run Mintro for you, including syncing them to your devices and showing shared split groups to their members.
Only add information you have the right to add. When you add other people to a split group or invite them by email, make sure they are happy for you to do so.
5. Acceptable use
You agree not to:
- break the law, or use Mintro to commit fraud or launder money;
- harass other people or invite them to split groups against their wishes;
- upload malware, or content that is illegal or infringes someone else's rights;
- try to access other people's accounts or data, or get around our security or plan limits;
- overload, disrupt, scrape or reverse engineer the service, except where the law allows it.
6. Plans and payments
- Mintro has a free plan and paid plans. What each plan includes, and its price, is shown in the app before you buy.
- Google Play and App Store subscriptions renew automatically at the end of each period until you cancel. You can cancel at any time in your Google Play or Apple account settings; you keep paid features until the end of the period you have paid for. Payment, renewal and refunds are handled by Google or Apple under their terms.
- Khalti and eSewa purchases cover a fixed period and do not renew on their own.
- Except where the law or the store's own policy says otherwise, payments are non-refundable and we don't give credit for partly used periods.
- We may change prices or plan features. A price change will not affect a period you have already paid for, and we will tell you before it applies to a renewal.
- If a paid plan ends, your account moves to the free plan. Your records are kept, but features or limits of the paid plan no longer apply.
7. Our intellectual property
Mintro, its design, software and brand belong to Mintro and its licensors. We give you a personal, non-exclusive, non-transferable licence to use the app for its intended purpose while these terms apply.
8. Ending your use
You can stop using Mintro and delete your account at any time. Deleting your account does not cancel a Google Play or App Store subscription; cancel it in the store too.
We may suspend or close your account if you seriously or repeatedly break these terms, if the law requires it, or to protect other users or Mintro. Where we reasonably can, we will tell you first. What happens to your information afterwards is described in the Privacy Policy.
9. Availability and changes
We work to keep Mintro available and your data safe, but we can't promise it will always be uninterrupted or error-free. We may change, add or remove features. Keep the app updated, and export your records if you need a backup.
10. Disclaimers
To the extent the law allows, Mintro is provided "as is" and "as available", without warranties of any kind, including that it is fit for a particular purpose, accurate, or free of errors. Figures in Mintro depend on what you enter and may contain mistakes, including in currency conversions and calculations.
11. Limitation of liability
To the extent the law allows, Mintro is not liable for indirect, incidental, special or consequential losses, or for lost profits, savings, or data, arising from your use of Mintro. Our total liability for any claim relating to Mintro is limited to the amount you paid us for Mintro in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law.
12. Indemnity
You agree to compensate us for reasonable losses and costs arising from your breach of these terms or your misuse of Mintro, to the extent the law allows.
13. Governing law
These terms are governed by the laws of Nepal, and disputes will be handled by the courts of Nepal, unless the law where you live gives you the right to bring a claim there.
14. Changes to these terms
We may update these terms. We will change the effective date above, and for significant changes we will let you know in the app or by email before they take effect. If you keep using Mintro after that, you accept the updated terms.
15. Contact us:
For questions about these terms, contact Mintro through the support option in the app.