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updated: June 24, 2026 These Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 24, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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updated: April 2, 2026 Acceptance of Terms By downloading, installing, or using Ruply (\"the app\"), you agree to these Terms of Service (\"Terms\"). If you do not agree, do not use the app. Description of Service Ruply is a personal expense tracking application that helps you: - Track daily expenses and manage budgets - Split bills with friends and groups - Import bank statements and scan receipts - View AI-generated spending insights and summaries - Make UPI payment requests and QR-based payments (via third-party UPI apps) Ruply is a personal finance management tool. It is not a financial advisor, bank, payment processor, or licensed financial institution. Eligibility You must be at least 13 years old to use Ruply. By using the app, you represent that you meet this requirement. User Accounts 4.1 Sign in with Apple Ruply uses Sign in with Apple for user identification. You are responsible for maintaining the security of your Apple ID. 4.2 Data Ownership You own all data you enter into Ruply. We do not claim any ownership or license over your personal financial data. Acceptable Use You agree not to: - Use the app for any illegal purpose or in violation of any applicable laws - Attempt to reverse-engineer, decompile, or extract source code from the app - Use AI features to process data belonging to others without their consent - Attempt to circumvent security measures or exploit vulnerabilities in the app or its services - Use the app to launder money, evade taxes, or engage in financial fraud AI-Powered Features 6.1 Consent Required AI features require your explicit consent before activation. You can enable or disable AI processing at any time in Settings. 6.2 Accuracy Disclaimer AI-generated content (expense parsing, receipt scanning, bank statement import, Money Story summaries, chat responses) is provided on a **best-effort basis**. AI outputs may contain errors, inaccuracies, or hallucinations. You are responsible for: - Verifying all AI-parsed expense amounts and categories before saving - Reviewing bank statement import results for accuracy - Not relying solely on AI summaries for financial decisions 6.3 Third-Party AI Service I features are powered by Anthropic's Claude API. Your use of these features is also subject to [Anthropic's Usage Policy](https://www.anthropic.com/policies/usage-policy) and [Acceptable Use Policy](https://www.anthropic.com/policies/aup). UPI Payments 7.1 Third-Party Payment Processing Ruply does not process payments. UPI payments are initiated by deep-linking to UPI apps installed on your device. The actual payment transaction is handled entirely by the third-party UPI app and the underlying banking infrastructure. 7.2 No Liability for Payments Ruply is not responsible for: - Failed, incorrect, or duplicate UPI transactions - Errors in UPI IDs stored or entered by users - Any financial loss arising from UPI payment interactions - Payment disputes — these should be resolved with your bank or UPI provider 7.3 Settlement Tracking Only The \"Settle Up\" feature records that a settlement has occurred. It does not verify, guarantee, or enforce actual payment completion. Users are responsible for confirming that payments have been sent and received. Data and Privacy Your use of Ruply is also governed by our [Privacy Policy](https://mbdesignwork.com/ruply-privacy). Key points: - Data is stored on your device and in your iCloud account - No server-side databases or user tracking - AI data processing requires explicit consent - We do not sell or share your data with third parties iCloud Sync Ruply uses Apple's CloudKit for data synchronization across your devices. This feature: - Requires an active iCloud account - Is subject to Apple's iCloud Terms of Service - May be affected by iCloud storage limits, network conditions, or Apple service availability - We are not responsible for data loss or sync issues caused by iCloud Intellectual Property 10.1 App Ownership Ruply, including its design, code, graphics, and user interface, is the intellectual property of Mehul Bhargava. All rights reserved. 10.2 User Content You retain ownership of all personal data and content you enter into Ruply. By using AI features, you grant us a limited, temporary license to transmit your data to our AI service provider solely for the purpose of processing your request. Disclaimer of Warranties Ruply is provided \"as is\" and \"as available\" without warranties of any kind, either express or implied, including but not limited to: - Accuracy of expense tracking, budget calculations, or AI-generated insights - Uninterrupted or error-free operation - Fitness for a particular purpose - Accuracy of bank statement parsing or receipt scanning Ruply is not a substitute for professional financial advice. Consult a qualified financial advisor for financial planning decisions. Limitation of Liability To the maximum extent permitted by applicable law: - We shall not be liable for any indirect, incidental, special, consequential, or punitive damages - We shall not be liable for any loss of data, profits, or business opportunities - Our total liability for any claim arising from your use of the app shall not exceed the amount you paid for the app (if any) - We are not liable for any financial decisions made based on data or insights provided by the app Indemnification You agree to indemnify and hold harmless the developer from any claims, damages, or expenses arising from: - Your use or misuse of the app - Your violation of these Terms - Any disputes between you and other users regarding split expenses or settlements Modifications to the Service We reserve the right to: - Modify, suspend, or discontinue any feature of the app at any time - Update these Terms — changes will be reflected by updating the \"Last updated\" date - Continued use after changes constitutes acceptance of updated Terms Termination We reserve the right to restrict access to the app or its AI features if you violate these Terms. You may stop using the app at any time by deleting it from your device. Governing Law These Terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. Severability If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Contact For questions, contact: 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updated: April 2, 2026\n\nAcceptance of Terms\n\nBy downloading, installing, or using Ruply (\"the app\"), you agree to these Terms of Service (\"Terms\"). If you do not agree, do not use the app.\n\nDescription of Service\n\nRuply is a personal expense tracking application that helps you:\n- Track daily expenses and manage budgets\n- Split bills with friends and groups\n- Import bank statements and scan receipts\n- View AI-generated spending insights and summaries\n- Make UPI payment requests and QR-based payments (via third-party UPI apps)\n\nRuply is a personal finance management tool. It is not a financial advisor, bank, payment processor, or licensed financial institution.\n\nEligibility\n\nYou must be at least 13 years old to use Ruply. By using the app, you represent that you meet this requirement.\n\nUser Accounts\n\n4.1 Sign in with Apple\nRuply uses Sign in with Apple for user identification. You are responsible for maintaining the security of your Apple ID.\n\n4.2 Data Ownership\nYou own all data you enter into Ruply. We do not claim any ownership or license over your personal financial data.\n\nAcceptable Use\n\nYou agree not to:\n- Use the app for any illegal purpose or in violation of any applicable laws\n- Attempt to reverse-engineer, decompile, or extract source code from the app\n- Use AI features to process data belonging to others without their consent\n- Attempt to circumvent security measures or exploit vulnerabilities in the app or its services\n- Use the app to launder money, evade taxes, or engage in financial fraud\n\nAI-Powered Features\n\n6.1 Consent Required\nAI features require your explicit consent before activation. You can enable or disable AI processing at any time in Settings.\n\n6.2 Accuracy Disclaimer\nAI-generated content (expense parsing, receipt scanning, bank statement import, Money Story summaries, chat responses) is provided on a **best-effort basis**. AI outputs may contain errors, inaccuracies, or hallucinations. You are responsible for:\n- Verifying all AI-parsed expense amounts and categories before saving\n- Reviewing bank statement import results for accuracy\n- Not relying solely on AI summaries for financial decisions\n\n6.3 Third-Party AI Service\nI features are powered by Anthropic's Claude API. Your use of these features is also subject to [Anthropic's Usage Policy](https://www.anthropic.com/policies/usage-policy) and [Acceptable Use Policy](https://www.anthropic.com/policies/aup).\n\nUPI Payments\n\n7.1 Third-Party Payment Processing\nRuply does not process payments. UPI payments are initiated by deep-linking to UPI apps installed on your device. The actual payment transaction is handled entirely by the third-party UPI app and the underlying banking infrastructure.\n\n7.2 No Liability for Payments\nRuply is not responsible for:\n- Failed, incorrect, or duplicate UPI transactions\n- Errors in UPI IDs stored or entered by users\n- Any financial loss arising from UPI payment interactions\n- Payment disputes — these should be resolved with your bank or UPI provider\n\n7.3 Settlement Tracking Only\nThe \"Settle Up\" feature records that a settlement has occurred. It does not verify, guarantee, or enforce actual payment completion. Users are responsible for confirming that payments have been sent and received.\n\nData and Privacy\n\nYour use of Ruply is also governed by our [Privacy Policy](https://mbdesignwork.com/ruply-privacy). Key points:\n- Data is stored on your device and in your iCloud account\n- No server-side databases or user tracking\n- AI data processing requires explicit consent\n- We do not sell or share your data with third parties\n\niCloud Sync\n\nRuply uses Apple's CloudKit for data synchronization across your devices. This feature:\n- Requires an active iCloud account\n- Is subject to Apple's iCloud Terms of Service\n- May be affected by iCloud storage limits, network conditions, or Apple service availability\n- We are not responsible for data loss or sync issues caused by iCloud\n\nIntellectual Property\n\n10.1 App Ownership\nRuply, including its design, code, graphics, and user interface, is the intellectual property of Mehul Bhargava. All rights reserved.\n\n10.2 User Content\nYou retain ownership of all personal data and content you enter into Ruply. By using AI features, you grant us a limited, temporary license to transmit your data to our AI service provider solely for the purpose of processing your request.\n\nDisclaimer of Warranties\n\nRuply is provided \"as is\" and \"as available\" without warranties of any kind, either express or implied, including but not limited to:\n- Accuracy of expense tracking, budget calculations, or AI-generated insights\n- Uninterrupted or error-free operation\n- Fitness for a particular purpose\n- Accuracy of bank statement parsing or receipt scanning\n\nRuply is not a substitute for professional financial advice. 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2026 These Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 24, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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design for clarity and emotion—where every detail has a reason, and nothing feels forced. 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Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 24, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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updated: June 24, 2026 These Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 24, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 24, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our Splits relay, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Splits and settlements additionally pass through our end-to-end encrypted Splits relay so they can reach friends whose iClouds are separate from yours. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 8, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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If you do not agree, do not use the app. Description of Service Ruply is a personal expense tracking application that helps you: - Track daily expenses and manage budgets - Split bills with friends and groups - Import bank statements and scan receipts - View AI-generated spending insights and summaries - Make UPI payment requests and QR-based payments (via third-party UPI apps) Ruply is a personal finance management tool. It is not a financial advisor, bank, payment processor, or licensed financial institution. Eligibility You must be at least 13 years old to use Ruply. By using the app, you represent that you meet this requirement. User Accounts 4.1 Sign in with Apple Ruply uses Sign in with Apple for user identification. You are responsible for maintaining the security of your Apple ID. 4.2 Data Ownership You own all data you enter into Ruply. We do not claim any ownership or license over your personal financial data. Acceptable Use You agree not to: - Use the app for any illegal purpose or in violation of any applicable laws - Attempt to reverse-engineer, decompile, or extract source code from the app - Use AI features to process data belonging to others without their consent - Attempt to circumvent security measures or exploit vulnerabilities in the app or its services - Use the app to launder money, evade taxes, or engage in financial fraud AI-Powered Features 6.1 Consent Required AI features require your explicit consent before activation. You can enable or disable AI processing at any time in Settings. 6.2 Accuracy Disclaimer AI-generated content (expense parsing, receipt scanning, bank statement import, Money Story summaries, chat responses) is provided on a **best-effort basis**. AI outputs may contain errors, inaccuracies, or hallucinations. You are responsible for: - Verifying all AI-parsed expense amounts and categories before saving - Reviewing bank statement import results for accuracy - Not relying solely on AI summaries for financial decisions 6.3 Third-Party AI Service I features are powered by Anthropic's Claude API. Your use of these features is also subject to [Anthropic's Usage Policy](https://www.anthropic.com/policies/usage-policy) and [Acceptable Use Policy](https://www.anthropic.com/policies/aup). UPI Payments 7.1 Third-Party Payment Processing Ruply does not process payments. UPI payments are initiated by deep-linking to UPI apps installed on your device. The actual payment transaction is handled entirely by the third-party UPI app and the underlying banking infrastructure. 7.2 No Liability for Payments Ruply is not responsible for: - Failed, incorrect, or duplicate UPI transactions - Errors in UPI IDs stored or entered by users - Any financial loss arising from UPI payment interactions - Payment disputes — these should be resolved with your bank or UPI provider 7.3 Settlement Tracking Only The \"Settle Up\" feature records that a settlement has occurred. It does not verify, guarantee, or enforce actual payment completion. Users are responsible for confirming that payments have been sent and received. Data and Privacy Your use of Ruply is also governed by our [Privacy Policy](https://mbdesignwork.com/ruply-privacy). Key points: - Data is stored on your device and in your iCloud account - No server-side databases or user tracking - AI data processing requires explicit consent - We do not sell or share your data with third parties iCloud Sync Ruply uses Apple's CloudKit for data synchronization across your devices. This feature: - Requires an active iCloud account - Is subject to Apple's iCloud Terms of Service - May be affected by iCloud storage limits, network conditions, or Apple service availability - We are not responsible for data loss or sync issues caused by iCloud Intellectual Property 10.1 App Ownership Ruply, including its design, code, graphics, and user interface, is the intellectual property of Mehul Bhargava. All rights reserved. 10.2 User Content You retain ownership of all personal data and content you enter into Ruply. By using AI features, you grant us a limited, temporary license to transmit your data to our AI service provider solely for the purpose of processing your request. Disclaimer of Warranties Ruply is provided \"as is\" and \"as available\" without warranties of any kind, either express or implied, including but not limited to: - Accuracy of expense tracking, budget calculations, or AI-generated insights - Uninterrupted or error-free operation - Fitness for a particular purpose - Accuracy of bank statement parsing or receipt scanning Ruply is not a substitute for professional financial advice. Consult a qualified financial advisor for financial planning decisions. Limitation of Liability To the maximum extent permitted by applicable law: - We shall not be liable for any indirect, incidental, special, consequential, or punitive damages - We shall not be liable for any loss of data, profits, or business opportunities - Our total liability for any claim arising from your use of the app shall not exceed the amount you paid for the app (if any) - We are not liable for any financial decisions made based on data or insights provided by the app Indemnification You agree to indemnify and hold harmless the developer from any claims, damages, or expenses arising from: - Your use or misuse of the app - Your violation of these Terms - Any disputes between you and other users regarding split expenses or settlements Modifications to the Service We reserve the right to: - Modify, suspend, or discontinue any feature of the app at any time - Update these Terms — changes will be reflected by updating the \"Last updated\" date - Continued use after changes constitutes acceptance of updated Terms Termination We reserve the right to restrict access to the app or its AI features if you violate these Terms. You may stop using the app at any time by deleting it from your device. Governing Law These Terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. Severability If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Contact For questions, contact: 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updated: April 2, 2026\n\nAcceptance of Terms\n\nBy downloading, installing, or using Ruply (\"the app\"), you agree to these Terms of Service (\"Terms\"). If you do not agree, do not use the app.\n\nDescription of Service\n\nRuply is a personal expense tracking application that helps you:\n- Track daily expenses and manage budgets\n- Split bills with friends and groups\n- Import bank statements and scan receipts\n- View AI-generated spending insights and summaries\n- Make UPI payment requests and QR-based payments (via third-party UPI apps)\n\nRuply is a personal finance management tool. It is not a financial advisor, bank, payment processor, or licensed financial institution.\n\nEligibility\n\nYou must be at least 13 years old to use Ruply. By using the app, you represent that you meet this requirement.\n\nUser Accounts\n\n4.1 Sign in with Apple\nRuply uses Sign in with Apple for user identification. You are responsible for maintaining the security of your Apple ID.\n\n4.2 Data Ownership\nYou own all data you enter into Ruply. We do not claim any ownership or license over your personal financial data.\n\nAcceptable Use\n\nYou agree not to:\n- Use the app for any illegal purpose or in violation of any applicable laws\n- Attempt to reverse-engineer, decompile, or extract source code from the app\n- Use AI features to process data belonging to others without their consent\n- Attempt to circumvent security measures or exploit vulnerabilities in the app or its services\n- Use the app to launder money, evade taxes, or engage in financial fraud\n\nAI-Powered Features\n\n6.1 Consent Required\nAI features require your explicit consent before activation. You can enable or disable AI processing at any time in Settings.\n\n6.2 Accuracy Disclaimer\nAI-generated content (expense parsing, receipt scanning, bank statement import, Money Story summaries, chat responses) is provided on a **best-effort basis**. AI outputs may contain errors, inaccuracies, or hallucinations. You are responsible for:\n- Verifying all AI-parsed expense amounts and categories before saving\n- Reviewing bank statement import results for accuracy\n- Not relying solely on AI summaries for financial decisions\n\n6.3 Third-Party AI Service\nI features are powered by Anthropic's Claude API. Your use of these features is also subject to [Anthropic's Usage Policy](https://www.anthropic.com/policies/usage-policy) and [Acceptable Use Policy](https://www.anthropic.com/policies/aup).\n\nUPI Payments\n\n7.1 Third-Party Payment Processing\nRuply does not process payments. UPI payments are initiated by deep-linking to UPI apps installed on your device. The actual payment transaction is handled entirely by the third-party UPI app and the underlying banking infrastructure.\n\n7.2 No Liability for Payments\nRuply is not responsible for:\n- Failed, incorrect, or duplicate UPI transactions\n- Errors in UPI IDs stored or entered by users\n- Any financial loss arising from UPI payment interactions\n- Payment disputes — these should be resolved with your bank or UPI provider\n\n7.3 Settlement Tracking Only\nThe \"Settle Up\" feature records that a settlement has occurred. It does not verify, guarantee, or enforce actual payment completion. Users are responsible for confirming that payments have been sent and received.\n\nData and Privacy\n\nYour use of Ruply is also governed by our [Privacy Policy](https://mbdesignwork.com/ruply-privacy). Key points:\n- Data is stored on your device and in your iCloud account\n- No server-side databases or user tracking\n- AI data processing requires explicit consent\n- We do not sell or share your data with third parties\n\niCloud Sync\n\nRuply uses Apple's CloudKit for data synchronization across your devices. This feature:\n- Requires an active iCloud account\n- Is subject to Apple's iCloud Terms of Service\n- May be affected by iCloud storage limits, network conditions, or Apple service availability\n- We are not responsible for data loss or sync issues caused by iCloud\n\nIntellectual Property\n\n10.1 App Ownership\nRuply, including its design, code, graphics, and user interface, is the intellectual property of Mehul Bhargava. All rights reserved.\n\n10.2 User Content\nYou retain ownership of all personal data and content you enter into Ruply. By using AI features, you grant us a limited, temporary license to transmit your data to our AI service provider solely for the purpose of processing your request.\n\nDisclaimer of Warranties\n\nRuply is provided \"as is\" and \"as available\" without warranties of any kind, either express or implied, including but not limited to:\n- Accuracy of expense tracking, budget calculations, or AI-generated insights\n- Uninterrupted or error-free operation\n- Fitness for a particular purpose\n- Accuracy of bank statement parsing or receipt scanning\n\nRuply is not a substitute for professional financial advice. Consult a qualified financial advisor for financial planning decisions.\n\nLimitation of Liability\n\nTo the maximum extent permitted by applicable law:\n- We shall not be liable for any indirect, incidental, special, consequential, or punitive damages\n- We shall not be liable for any loss of data, profits, or business opportunities\n- Our total liability for any claim arising from your use of the app shall not exceed the amount you paid for the app (if any)\n- We are not liable for any financial decisions made based on data or insights provided by the app\n\nIndemnification\n\nYou agree to indemnify and hold harmless the developer from any claims, damages, or expenses arising from:\n- Your use or misuse of the app\n- Your violation of these Terms\n- Any disputes between you and other users regarding split expenses or settlements\n\nModifications to the Service\n\nWe reserve the right to:\n- Modify, suspend, or discontinue any feature of the app at any time\n- Update these Terms — changes will be reflected by updating the \"Last updated\" date\n- Continued use after changes constitutes acceptance of updated Terms\n\nTermination\n\nWe reserve the right to restrict access to the app or its AI features if you violate these Terms. You may stop using the app at any time by deleting it from your device.\n\nGoverning Law\n\nThese Terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.\n\nSeverability\n\nIf any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.\n\nContact\nFor questions, contact: 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Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\"). By installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app. 1. What Ruply is Ruply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice. You use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own. 2. Eligibility You must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf. 3. Your account Ruply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer. 4. Your data Your expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models. You are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category. 5. Acceptable use You agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to: Use Ruply to launder money, defraud anyone, or facilitate any illegal activity. Attempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law. Attempt to access, scrape, or interfere with our AI proxy, our subscription verification backend, or any infrastructure used to deliver Ruply. Use Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content. Resell, sublicense, or commercially redistribute the app or any of its features. We may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible. 6. Ruply+ subscription 6.1 Plans and billing Ruply offers an optional Ruply+ subscription with three plans: Individual Monthly — billed monthly. Individual Yearly — billed annually, with a 7-day free trial for first-time subscribers. Household Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers. All subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details. Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription. 6.2 Free trial If your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple. 6.3 Refunds Apple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges. 6.4 Household Plus continuity A Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period. Ruply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently. 6.5 What Plus unlocks The specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel. 6.6 Price changes We may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal. 7. AI features Ruply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review. Outages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI. 8. Push notifications and household activity When you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications. 9. Storage, backup, and data loss Ruply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive. You are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup. 10. Disclaimers Ruply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We don't warrant that: Ruply will be available without interruption. Bugs or errors will be fixed within a particular timeframe. AI-generated content will be accurate, complete, or free from error. Sync conflicts, iCloud throttling, or Apple platform changes will not affect the app. 11. Limitation of liability To the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law. 12. Termination You may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions. We may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export. 13. Changes to these Terms We may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms. 14. Governing law and dispute resolution These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Any dispute arising from or relating to Ruply or these Terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India. Before initiating any formal dispute, you agree to first contact us at mebhargava02@icloud.com and attempt to resolve the issue 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updated: June 8, 2026\n\nThese Terms of Service (\"Terms\") govern your use of the Ruply app for iPhone and any related services (collectively, \"Ruply\"). Ruply is built and operated by Mehul Bhargava, an independent developer based in India (\"we\", \"us\").\n\nBy installing or using Ruply, you agree to these Terms. If you don't agree, please don't use the app.\n\n1. What Ruply is\n\nRuply is a personal finance app that helps you track expenses, set budgets, split bills with friends, run a shared household budget, and understand your spending patterns. Ruply is not a bank, not a payment processor, not a lender, not a tax adviser, not a financial planner, and not a SEBI-registered investment adviser. Nothing in Ruply constitutes financial, legal, tax, or investment advice.\n\nYou use Ruply to track and understand your money. The decisions you make based on what you see in Ruply are entirely your own.\n\n2. Eligibility\n\nYou must be at least 13 years old to use Ruply. If you are under 18, you confirm that a parent or guardian has reviewed these Terms and agrees to them on your behalf.\n\n3. Your account\n\nRuply does not have its own account system. You sign in with Sign in with Apple, which authenticates you using your Apple ID. You are responsible for keeping your Apple ID secure. We cannot recover access on your behalf — Apple controls the authentication layer.\n\n4. Your data\n\nYour expenses, budgets, friend records, household records, and other content remain your data. Ruply does not claim any ownership of it. We store it locally on your device and in your iCloud — see the Privacy Policy for the full explanation. We do not sell it, share it, mine it, or use it to train AI models.\n\nYou are responsible for the accuracy of the data you enter. If you enter the wrong amount or the wrong category, Ruply will faithfully save the wrong amount or the wrong category.\n\n5. Acceptable use\n\nYou agree to use Ruply only for its intended purpose — tracking your own personal expenses and the expenses of your household and split groups. You agree not to:\n\nUse Ruply to launder money, defraud anyone, or facilitate any illegal activity.\nAttempt to reverse-engineer, decompile, or extract source code from the app beyond what's permitted by applicable law.\nAttempt to access, scrape, or interfere with our AI proxy, our subscription verification backend, or any infrastructure used to deliver Ruply.\nUse Ruply to harass, defame, or harm another person, including misusing the friend-splitting or household features to create or send abusive content.\nResell, sublicense, or commercially redistribute the app or any of its features.\n\nWe may suspend or terminate your access to Ruply if you materially breach these terms, with notice where reasonably possible.\n\n6. Ruply+ subscription\n\n6.1 Plans and billing\n\nRuply offers an optional Ruply+ subscription with three plans:\n\nIndividual Monthly — billed monthly.\nIndividual Yearly — billed annually, with a 7-day free trial for first-time subscribers.\nHousehold Yearly — billed annually, covers up to 5 household members under one subscription, with a 7-day free trial for first-time subscribers.\n\nAll subscriptions are purchased through Apple In-App Purchase. Apple charges your Apple ID, manages renewals, manages refunds, and handles all payment information. Ruply never sees your card details.\n\nSubscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the end of the current period, per Apple's standard subscription terms. You can manage or cancel at any time from your iPhone's Settings → Apple ID → Subscriptions or from Ruply → Settings → Manage subscription.\n\n6.2 Free trial\n\nIf your plan offers a free trial, the trial begins when your purchase is confirmed by Apple. You will not be charged during the trial. If you do not cancel before the trial ends, the full subscription fee is charged automatically and the subscription renews on the standard schedule. Trials are one-per-Apple-ID per subscription group, as enforced by Apple.\n\n6.3 Refunds\n\nApple is responsible for refunds on App Store purchases. To request a refund, use Apple's refund flow at reportaproblem.apple.com or via iOS Settings → Media & Purchases → Account → Purchase History. We do not directly issue refunds for App Store purchases and cannot reverse Apple's charges.\n\n6.4 Household Plus continuity\n\nA Ruply+ Household subscription is purchased by one user (the financier) and grants Plus access to up to five household members. Members' access to Plus features depends on the financier maintaining an active Household subscription. If the financier cancels, their card is declined past Apple's billing-retry grace period, or their subscription otherwise lapses, household members will lose Plus access at the end of the current billing period.\n\nRuply will notify affected members via an in-app banner and a push notification when this happens, but Ruply is not responsible for the financier's billing decisions. Members may purchase their own Individual subscription at any time to retain Plus access independently.\n\n6.5 What Plus unlocks\n\nThe specific features included in Ruply+ are listed inside the app and may evolve over time. We may add, change, or remove features without notice, provided we don't materially reduce the core value of an active subscription. If we ever do materially reduce it, we'll give you reasonable notice and an option to cancel.\n\n6.6 Price changes\n\nWe may change subscription prices for future renewals with at least 30 days' notice. Apple will surface this notice to you per its standard subscription terms; you can decline a price increase by cancelling before the next renewal.\n\n7. AI features\n\nRuply uses third-party AI providers (Anthropic's Claude for text features, Sarvam Saaras V3 for speech-to-text) routed through our stateless Cloudflare Worker proxy. AI is probabilistic: it sometimes misreads a receipt, mis-categorises an expense, or mishears a voice command. Always review AI-parsed expenses before saving. Ruply is not liable for incorrect or missing data resulting from AI parsing errors that a reasonable user would have caught on review.\n\nOutages, capacity limits, or provider downtime may temporarily disable AI features. Non-AI features (manual expense entry, splits, budgets, EMIs, envelopes) continue to work without AI.\n\n8. Push notifications and household activity\n\nWhen you create or join a Household, take actions in shared groups, or interact with friends in split flows, Ruply may send push notifications to the affected users. You agree that performing such actions is your authorisation for these notifications. Notifications can be turned off per-type in iOS Settings → Ruply → Notifications.\n\n9. Storage, backup, and data loss\n\nRuply stores your data using Apple's Core Data framework with iCloud sync via NSPersistentCloudKitContainer. Ruply also writes a weekly encrypted JSON backup of your expense data to your own iCloud Drive.\n\nYou are responsible for maintaining your Apple ID in good standing and ensuring iCloud sync is enabled. Ruply cannot recover data from an Apple ID we don't control. If you sign out of iCloud, disable iCloud sync, or delete your iCloud data through Apple's storage management, your Ruply data may be permanently lost. We strongly recommend keeping iCloud backup enabled on your device and not disabling Ruply's automatic JSON backup.\n\n10. Disclaimers\n\nRuply is provided \"as is\" and \"as available\". To the maximum extent permitted by law, we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation.\n\nWe don't warrant that:\n\nRuply will be available without interruption.\nBugs or errors will be fixed within a particular timeframe.\nAI-generated content will be accurate, complete, or free from error.\nSync conflicts, iCloud throttling, or Apple platform changes will not affect the app.\n\n11. Limitation of liability\n\nTo the maximum extent permitted by law, our total cumulative liability to you for any claim arising from or relating to Ruply is limited to the greater of (a) the amount you paid us for the Ruply+ subscription in the 12 months preceding the claim, or (b) ₹1,000.\n\nWe are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.\n\nNothing in these Terms limits or excludes liability for (i) death or personal injury caused by negligence, (ii) fraud or fraudulent misrepresentation, or (iii) any liability that cannot be limited or excluded under applicable law.\n\n12. Termination\n\nYou may stop using Ruply at any time by deleting the app. Doing so does not automatically cancel your Apple In-App Purchase subscription — manage that separately in iOS Settings → Apple ID → Subscriptions.\n\nWe may suspend or terminate your access to Ruply if you materially breach these Terms or if we discontinue the service. If we discontinue Ruply entirely, we'll give you reasonable advance notice and a window in which to export your data via Settings → Export.\n\n13. Changes to these Terms\n\nWe may update these Terms from time to time. Material changes will be communicated by updating the date at the top of this document, posting the revised Terms at this URL, and surfacing the change in-app on next launch. Continued use of Ruply after the effective date constitutes acceptance of the updated Terms.\n\n14. Governing law and dispute resolution\n\nThese Terms are governed by the laws of India, without regard to conflict-of-laws principles. 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