Terms of Service

Kushim is a personal finance management application that uses AI to help you log, organize, and understand your spending. It is available on Android (currently) and iOS (coming soon).

Kushim is a tool to help you understand your own finances. It does not provide financial advice, investment recommendations, or tax guidance. Always consult a qualified professional for those.

You must be 18 years or older to use Kushim. By creating an account, you confirm you are eligible.

You are responsible for keeping your login credentials secure. Notify us immediately at [email protected] if you suspect unauthorized access.

Kushim offers a 15-day free trial. No credit card is required to start. After the trial, access requires an active subscription at ₹299/month.

Payments are processed via Razorpay. Subscriptions renew automatically. You can cancel at any time from within the app — cancellation takes effect at the end of the current billing period.

All subscription fees are charged in advance for the billing period. We do not offer refunds for partial subscription periods unless required by applicable law or as described in our Refund Policy below.

We want you to be satisfied with Kushim. Please read the following policy carefully before making a payment.

48-hour window. Refund requests must be submitted within 48 hours of the original payment date. Requests made after this window will not be eligible for a refund, regardless of the reason.

How to request. To request a refund within the eligible window, email us at [email protected] with your registered email address, payment reference number (from your Razorpay receipt), and the reason for your request.

Non-refundable situations. The following are not eligible for refunds:

• Requests submitted more than 48 hours after payment
• Subscription renewals — you are responsible for cancelling before the renewal date
• Partial use of a subscription period after cancellation
• Accounts suspended or terminated for violating these Terms

Processing. Approved refunds are typically processed within 5–7 business days and credited back to the original payment method. Processing timelines depend on your bank or card issuer.

Statutory rights. Nothing in this policy limits any rights you may have under applicable consumer protection laws.

You own your data. We are a custodian of it while your account is active. See our Privacy Policy for how we handle it.

You are responsible for the accuracy of the information you provide. Kushim does not independently verify transaction data.

You agree not to:

• Use Kushim for any illegal purpose
• Attempt to reverse-engineer, scrape, or abuse the service
• Share your account with others
• Upload data that belongs to another person without authorization

We aim for high availability but do not guarantee uninterrupted service. We may occasionally perform maintenance, which we'll aim to schedule outside peak hours.

We reserve the right to suspend or terminate accounts that violate these terms.

Kushim is provided “as is.” We make no warranties about the accuracy of AI-extracted transaction data. Always verify important financial information against your official bank records.

We are not liable for financial decisions you make based on data in Kushim. The app is an organizational tool, not a financial advisor.

We may update these terms. If changes are material, we'll notify you by email at least 14 days before they take effect. Continued use of Kushim after that date constitutes acceptance.

These terms are governed by the laws of India. Any disputes will be subject to the jurisdiction of courts in India.

Questions about these terms: [email protected]