Please read these terms carefully before using the Savify platform. These terms constitute a legally binding agreement between you and Savify.
Welcome to Savify ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Agreement") govern your access to and use of Savify’s website, mobile application, widgets, and financial behavior analytics services (collectively, the "Services").
By accessing or using the Service, or by clicking a button or checking a box marked "I Agree" (or its equivalent), you signify that you have read, understood, and agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.
Definitions:
Important Notice: Savify is a financial education and behavioral tracking tool. We are not a bank, financial planner, broker, or tax advisor. Our "Balance Score" and other metrics are for educational purposes only and should not be treated as a credit score.
Savify provides a digital platform that allows users to track their spending habits, categorize expenses, and receive algorithmic feedback ("Insights") regarding their financial discipline. The Service includes, but is not limited to:
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without prior notice or liability. We may also impose limits on certain features or restrict your access to parts or all of the Service without notice or liability.
To use our Services, you must be at least 12 years old, or the age of majority in your jurisdiction. By creating an account, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into a binding contract.
3.1 Registration Data: You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. Savify reserves the right to suspend or terminate your account if any information provided proves to be inaccurate, not current, or incomplete.
3.2 Account Security: You are responsible for maintaining the confidentiality of your account login credentials. You are fully responsible for all activities that occur under your account. You agree to notify us immediately at savifyhq@gmail.com of any unauthorized use of your account or any other breach of security.
You agree to use the Service only for lawful purposes. You are solely responsible for your conduct and any data you submit. You agree not to engage in any of the following prohibited activities:
5.1 Savify Property: The Service and its original content (excluding User Content), features, and functionality are and will remain the exclusive property of Savify and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Savify.
5.2 License to User: Subject to your compliance with these Terms, Savify grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Service for your personal, non-commercial use.
6.1 Ownership: You retain all rights and ownership of your User Content (e.g., your entered budget data, profile photos). Savify does not claim ownership rights to your User Content.
6.2 License to Savify: By making User Content available through the Service, you grant Savify a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license to use, copy, modify, adapt, prepare derivative works of, distribute, and display such User Content only for the purpose of operating, providing, and improving the Service.
6.3 Anonymized Data: You agree that we may collect, aggregate, and anonymize your data to improve our AI algorithms and benchmark reports. Once anonymized, this data is no longer considered User Content, and Savify owns all rights to such aggregated data.
6.4 Data Evaluation: Savify evaluates financial discipline and consistency using behavioral analytics. It does not verify individual real-world purchases or provide financial advice.
7.1 Subscriptions: Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis (such as monthly or annually).
7.2 Free Trials: Savify may, at its sole discretion, offer a Subscription with a free trial for a limited period of time. You may be required to enter your billing information in order to sign up for the free trial. If you do not cancel your Subscription before the trial ends, you will be automatically charged.
7.3 Price Changes: Savify reserves the right to modify Subscription fees at any time. Any Subscription fee change will become effective at the end of the then-current Billing Cycle. We will provide you with reasonable prior notice of any change.
7.4 Refunds: Except when required by law, paid Subscription fees are non-refundable. Certain refund requests for Subscriptions may be considered by Savify on a case-by-case basis and granted at the sole discretion of Savify.
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
If you wish to terminate your account, you may simply discontinue using the Service or delete your account via the settings menu. Upon termination, your right to use the Service will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
9.1 No Professional Advice: The content provided through the Service is for informational and educational purposes only. It should not be construed as professional financial advice. You should consult with a qualified financial advisor before making any significant financial decisions.
9.2 "As Is" Basis: Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. Savify does not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; or c) the results of using the Service will meet your requirements.
In no event shall Savify, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
In no event shall Savify's aggregate liability for all claims relate to the service exceed the greater of one hundred U.S. dollars (₹100.00) or the amounts paid by you to Savify in the past twelve months.
11.1 Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, including the formation, interpretation, breach, or termination thereof, shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association (AAA), rather than in court.
11.2 Class Action Waiver: You and Savify agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, unless both you and Savify agree otherwise, the arbitrator may not consolidate more than one person's claims.
You agree to defend, indemnify and hold harmless Savify and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.
These Terms shall be governed and construed in accordance with the laws of Delaware, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
If you have any questions about these Terms, please contact us:
By clicking "Accept" or using our services, you acknowledge that you have read and understood this agreement.