Terms and conditions

1. Who you are dealing with

Chanakya (“Chanakya”, “the service”, “we”) is designed, developed, owned and operated by Abhijith C M, an individual based in Bengaluru, Karnataka, India. There is no company behind it, no investor and no advertising business. Using this website, or the application when it becomes available, means you accept these terms. If you do not accept them, do not use the service.

2. What the service is, today

Chanakya records money a household has already spent and received: expenses and income, the account, card or UPI handle each entry moved through, the person or business on the other side of it, and bills split into their individual items. It is a record-keeping tool.

The application is in active development and is not yet open to sign-ups. Nothing on this website is an offer of a live service, and no launch date is promised. Features described here may change, be delayed or be dropped.

3. It is not financial, tax or legal advice

Chanakya reports what you enter. It does not advise you, does not check your entries against your bank, and does not file anything on your behalf. Every total, breakdown and balance depends entirely on the accuracy and completeness of what you record. You remain responsible for your own accounting, tax filings and any regulatory obligation that applies to you, and you should not rely on Chanakya as your only record where the law requires you to keep one.

4. Your account

• An account is for one person. Give accurate details, and keep them up to date.
• You are responsible for everything done through your account. Keep your password and your two-factor codes to yourself, use the two-factor options offered, and store your recovery codes somewhere only you can reach.
• Tell the owner as soon as you believe someone else has access to your account. You can end other sessions yourself from your profile, and the security activity list shows what has happened on the account.
• Do not share one account between people. If several people in a household need access, use a household (see below) so each person's records stay their own.

5. Households, and other people's data

A household lets one ledger cover a family. Two roles exist: admin and member.

• An admin can see and record entries for every member of the household. By joining a household you accept that its admins have that access. If you are not comfortable with it, do not join, and keep your own ledger instead.
• A member sees only their own data, and never another member's.
• An admin can add a member who does not sign in at all — a parent or a child, for instance — and keeps their records on their behalf. If that person later takes over the account, they set their own email address and password.
• You may record contacts, family members and counterparties. Where those are real people, you are responsible for what you record about them and for having a reason to record it. Do not put anything in Chanakya about someone else that you would not be entitled to hold.

6. What you may not do

• Use the service unlawfully, or to record or launder the proceeds of anything unlawful.
• Try to reach data that is not yours — another user's, another household's, or the service's own — whether by probing the API, guessing identifiers, replaying invitations or any other route.
• Attack or degrade the service: automated scraping, load that is not ordinary use, attempts to bypass authentication, rate limits or validation.
• Resell, sublicense or pass off the service as your own, or copy it for a competing product.

If you find a security flaw, report it to the owner privately and give a reasonable chance to fix it before telling anyone else. Good faith reports are welcome, and are not treated as a breach of these terms.

7. Your records stay yours

You keep every right you have in the data you enter. We claim no ownership of it, do not sell it, do not use it for advertising and do not use it to profile you. The only permission you give is the one needed to run the service for you: storing your records, processing them to produce your own views and totals, and backing them up.

8. Availability, changes and loss of data

The service is offered as it is, with no promise of uptime and no guarantee that a feature will keep working the way it does today. While Chanakya is in development, data may be migrated, corrected or in the worst case lost. Keep your own copy of anything you cannot afford to lose, and treat exports as your record of truth until the service is out of development.

Access may be suspended or ended where an account is used in breach of section 6, where the law requires it, or where keeping it open would put other users' data at risk.

9. Liability

To the fullest extent the law allows, Chanakya is provided without warranty of any kind, and the owner is not liable for indirect or consequential loss, for lost profit or opportunity, or for any decision you take on the basis of a figure the service showed you. Nothing in these terms limits liability that cannot lawfully be limited, including for fraud or for death or personal injury caused by negligence.

10. Ending it

You can stop using Chanakya whenever you like, and you can ask for your account and its records to be deleted — see the privacy policy for how that works and what is kept afterwards. Sections 7, 9 and 11 survive the end of your use.

11. Governing law

These terms are governed by the laws of India, and the courts at Bengaluru, Karnataka have exclusive jurisdiction over any dispute arising from them.

12. Changes to these terms

These terms will change as the service does. The date at the top of this page always shows the current version. Where a change materially affects registered users, it will be notified by email to the address on the account before it takes effect.

13. Contact

Questions about these terms, and privacy or deletion requests, reach the owner directly: Abhijith C M on LinkedIn. A dedicated contact address will be published on this page before the application opens to sign-ups.