Terms of Service

1. Agreement

These terms cover your use of the HomiLedger website, waitlist, app and related services (“the Service”). They are an agreement between you and the HomiLedger team in Karachi, Pakistan (“we”). We have not registered a company yet; we will name it here when we do. By joining the waitlist, creating an account or using the Service you accept these terms and our Privacy Policy. If you do not agree, please do not use the Service.

2. Who can use HomiLedger

• You must be at least 18, or the age of majority where you live, to create an account.
• Children and teens are not account holders. See Family & Children.
• You must not use the Service if the law bars you from doing so.

3. What HomiLedger is, and is not

HomiLedger is a record-keeping and collaboration tool for household money. You and your household enter information; HomiLedger organises it.

HomiLedger is not:

• a bank, payment service, wallet or money transmitter. We do not hold, move, lend or invest money;
• a lender or broker. The loan feature records an agreement between household members. It does not create, guarantee or enforce a loan, and we are not a party to it;
• a financial, tax, accounting, investment or legal adviser. Nothing in the Service is professional advice. Speak to a qualified professional before making financial decisions;
• an official record. Information is only as accurate as what people enter.

4. Accounts, households and roles

• Keep your login secure. You are responsible for activity under your account. Tell us promptly at support@homiledger.com if you suspect misuse.
• In a household, what each member can see and do depends on their role (owner, admin, member or viewer). The owner and admins can see and manage more. By joining a household you accept that what you add to it is visible to others as the app shows.
• Disputes about who paid or who owes what are between household members. We do not resolve them.

5. Your content

You own what you enter and upload. You give us a limited licence to host, process, display and back it up only to run the Service for you and your household. You promise you have the right to upload it and that it does not break the law or anyone’s rights. We do not sell your content or use it for advertising.

6. Acceptable use

Do not break the law with the Service; enter another person’s private information without the right to; try to reach other households’ data or our systems; probe, scrape or overload the Service; reverse engineer it except where the law allows; upload malware; create accounts or waitlist entries with automated tools or other people’s email addresses; or use the Service for fraud, money laundering or tax evasion. We may suspend or remove access for violations.

7. Waitlist and early access

Joining the waitlist is free. It does not guarantee a launch date, access, a particular price or that the Service will be released. Early-access benefits, including the “first 100 verified members” offer, are governed by the Early Access Terms, which form part of these terms.

8. Paid plans

HomiLedger is intended to be a paid product, but plans and prices are not set and nothing can be bought yet. Before you pay we will show, in plain language: the price and currency, taxes, billing frequency, what is included, whether it renews automatically, the renewal price after any discount, and how to cancel. Refund and cancellation terms will be published before any payment is taken.

9. Third-party services

The Service uses providers such as Supabase, Render, Resend and, if you choose it, Google sign-in. Their own terms apply to their services, and we are not responsible for third parties we do not control.

10. Our rights

HomiLedger, its logo, design, software and content belong to us or our licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use the Service as intended. If you send feedback, we may use it without obligation to you.

11. Ending your use

You can stop using the Service and delete your account at any time; see Delete your account. We may suspend or end access if you break these terms, if the law requires, or if continuing would harm others or the Service. Where practical we will give you a chance to export your data first. What happens to shared household records is explained in the Privacy Policy.

12. Disclaimers

The Service is provided “as is” and “as available.” To the extent the law allows, we do not promise it will be uninterrupted or error-free, or that calculations, summaries or reports will be accurate or complete. Some places do not allow these limits, so they may not apply to you.

13. Limit of liability

Nothing here limits liability that cannot be limited by law, or any mandatory consumer rights. Subject to that, we are not liable for indirect or consequential loss, lost profits or lost data. Specific liability caps and the governing law will be set when the company is registered and these terms are finalised.

14. Changes

We may update these terms. We will post the new version with its date and, for material changes, notify you by email or in the app. If you do not accept a change, you can close your account.

15. Contact

support@homiledger.com · Karachi, Pakistan