Plain-English summary: Krelvax is a free personal finance tracker, supported by a single banner advert (personalised only if you consent). Your data belongs to you. We don't give financial advice. Your data stays on your device. You can delete all your data at any time. The App is provided "as is" and our liability to you is strictly limited (Sections 14–15).
By downloading, installing, or using the Krelvax mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, do not use the App.
If you are using the App on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and references to "you" include that organisation.
These Terms form a binding agreement between you and Krelvax. They incorporate our Privacy Policy by reference.
Krelvax is a personal finance management application that allows you to track income and expenses, manage accounts and budgets, monitor loans and subscriptions, and set financial goals — all stored locally on your device. Krelvax currently operates in India only. The App is developed and operated by Krelvax (contact: support@krelvax.com).
You must be at least 18 years of age to use the App. By using the App, you represent that you meet this minimum age requirement.
The App is not available to users who have previously had their access terminated by Krelvax for violation of these Terms.
Subject to your compliance with these Terms, Krelvax grants you a limited, non-exclusive, non-transferable, revocable licence to:
This licence does not include any right to:
Krelvax does not require you to create an account, sign in, or provide any name, email address, or phone number. The App works entirely on your device with no login and no user identity.
You may optionally connect your own Google account solely for the Google Drive backup feature described in Section 9. This is never a prerequisite to using the App's core features.
Krelvax is provided free of charge. There are no purchases, subscriptions, or premium tiers within the App. Krelvax is supported by a single banner advert served by Google AdMob.
On first launch — and wherever required by applicable law — Google's User Messaging Platform presents a consent screen that lets you choose whether adverts are personalised. Adverts are never targeted using your financial data, and we do not sell your data.
We may change which features are offered, free of charge, at our discretion (subject to the notice provisions in Section 11). We may also introduce paid features or other monetisation in the future; if we do, these Terms will be updated and any charge will be clearly disclosed and require your action before you incur it.
You own your data. All financial records, transaction data, account information, and other content you enter into the App ("User Data") remain your property. Krelvax does not claim any ownership rights over your User Data.
Krelvax stores your User Data only on your device. We do not upload, store, or process your financial records on our servers.
You are solely responsible for the accuracy of User Data you enter. Krelvax does not verify, audit, or validate the financial data you input.
You may export your data at any time via Settings > Export, and delete all your data at any time via Settings > Delete Local Data.
You agree not to use the App to:
Google Drive backup is entirely optional. The App's full core functionality is available offline without it, and Krelvax has no cloud sync — your data is never uploaded to our servers.
When you connect Google Drive, Krelvax requests only the drive.file permission scope, which restricts access to files created by Krelvax. We cannot access, read, or modify any other files in your Google Drive. You are responsible for managing backup files stored in your Google Drive account.
Your data always remains available locally on your device. Google Drive backup depends on Google services, which we do not control or guarantee.
Important: Krelvax is a personal finance tracking tool. It does not constitute financial, investment, tax, accounting, or legal advice.
The information and calculations displayed in the App (including net worth estimates, budget summaries, loan amortisation, and goal projections) are based solely on data you enter. They are provided for informational and organisational purposes only.
You should not make financial decisions based solely on information displayed in the App. For financial, investment, or tax advice, consult a qualified professional licensed in your jurisdiction.
Krelvax is not a bank, financial institution, investment adviser, credit bureau, or regulated financial services provider. We are not regulated by any financial regulatory authority (including SEBI, RBI, FCA, ASIC, SEC, MAS, or equivalent bodies).
We strive to keep the App available and functional. However, we do not guarantee:
We reserve the right to modify, update, or discontinue any feature of the App at any time. We will give reasonable advance notice of material changes where possible. Core offline functionality will not be removed without notice.
In the event the App is discontinued entirely, we will provide at least 90 days' notice and offer a data export mechanism so you can retain your financial records.
The App uses the following third-party services:
Krelvax is not responsible for the availability, accuracy, or conduct of third-party services. Your use of those services is governed by their respective terms and policies.
The App does not contain links to external websites except within these legal documents. Any future links are provided for convenience only; we do not endorse or accept responsibility for the content of third-party websites.
The App, including its design, code, graphics, user interface, and all content created by Krelvax, is the exclusive intellectual property of Krelvax and is protected by copyright, trademark, and other applicable intellectual property laws.
Nothing in these Terms grants you any right, title, or interest in the App's intellectual property except the limited licence described in Section 4.
"Krelvax" and the Krelvax logo are trademarks of Krelvax. You may not use them without prior written permission.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
KRELVAX DOES NOT WARRANT THAT:
Some jurisdictions do not allow the exclusion of implied warranties. To the extent such warranties cannot be excluded under applicable law (for example, under Australian Consumer Law, Indian Consumer Protection Act 2019, or UK Consumer Rights Act 2015), this section is limited to the extent permitted by that law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KRELVAX AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
THE APP IS PROVIDED FREE OF CHARGE, AND ACCORDINGLY OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR OTHERWISE, SHALL NOT EXCEED USD $10 (OR ITS EQUIVALENT IN YOUR LOCAL CURRENCY). YOU ACKNOWLEDGE THAT THIS LIMITATION REFLECTS A REASONABLE ALLOCATION OF RISK GIVEN THE APP IS SUPPLIED AT NO COST.
Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot be limited by law in your jurisdiction.
You agree to indemnify, defend, and hold harmless Krelvax and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the App in violation of these Terms; (b) your User Data; or (c) your violation of any applicable law or third-party rights.
You may delete all your data at any time using either:
Deletion is permanent and irreversible. Your local device data will be permanently wiped. Krelvax stores no financial data on our servers, so there is nothing else to delete.
We reserve the right to suspend or terminate your access to the App without notice if we determine, in our sole discretion, that you have violated these Terms, engaged in fraudulent or illegal activity, or your use poses a risk to the security or integrity of the App or its users.
Termination for cause is without compensation. Termination for reasons other than your breach (e.g., App discontinuation) will be subject to applicable consumer protection law.
The App is not intended for children under 13 (or the applicable age of digital consent in your jurisdiction). If you are a parent or guardian and believe your child is using the App, please contact us at support@krelvax.com.
These Terms are governed by the laws of India, without regard to conflict-of-law principles.
Before initiating any formal dispute, we encourage you to contact us at support@krelvax.com. We will attempt to resolve any dispute informally within 30 days.
If informal resolution fails, disputes shall first be referred to arbitration under the Arbitration and Conciliation Act, 1996 (India). If arbitration is not applicable, disputes shall be subject to the exclusive jurisdiction of the courts of India.
Nothing in this section prevents you from exercising statutory rights or seeking relief from the Data Protection Board of India.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Krelvax with respect to the App and supersede all prior agreements, representations, and understandings.
If any provision of these Terms is found to be unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed, and the remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of Krelvax.
You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, with notice to you.
Krelvax shall not be liable for any failure to perform its obligations under these Terms arising from circumstances beyond our reasonable control, including natural disasters, government actions, internet outages, or third-party service failures.
We reserve the right to modify these Terms at any time. When we make material changes, we will:
If you do not agree to the revised Terms, you must stop using the App. Continued use of the App after the effective date of changes constitutes your acceptance of the new Terms, to the extent permitted by law.
We will not retroactively change terms in a manner that prejudices rights you have already acquired.
For questions about these Terms, please contact us:
Response time: within 5 business days for general enquiries; within 30 days for formal legal or data protection requests.