Clear terms for using Sowora

Sowora is a personal finance organization and budgeting application operated by an individual developer in India.

Sowora is designed to help users organize financial information, review transactions and expenses, understand their financial position, and work with financial statements.

By creating an account or using Sowora, you agree to these Terms & Conditions. If you do not agree with these Terms, please do not use the service.

Sowora is a personal finance organization and budgeting tool.

• A bank or financial institution.
• A lender or credit provider.
• A payment service or payment system.
• A broker or trading platform.
• An investment adviser or portfolio manager.
• An insurance intermediary.
• A tax, legal, accounting, or other professional advisory service.

Information, calculations, summaries, classifications, or insights provided by Sowora are intended to help you organize and understand your own financial information. They should not be treated as professional financial, investment, tax, legal, or accounting advice. You are responsible for reviewing information presented by Sowora and for your own financial decisions.

You must provide accurate information when creating your Sowora account and keep your account information reasonably up to date.

You are responsible for maintaining the confidentiality of your account credentials and for activity carried out through your account.

If you believe your account has been accessed without authorization, you should contact us as soon as reasonably possible.

Sowora may require account verification or additional information where reasonably necessary to protect an account, investigate misuse, or comply with applicable law.

Sowora allows you to enter and organize financial information such as income, expenses, transactions, accounts, savings, credit cards, loans, and other financial information.

You are responsible for ensuring that information you enter or retain in Sowora is accurate to the extent reasonably possible.

Sowora may perform calculations, classifications, summaries, or other processing based on information you provide.

You should independently verify important financial information before relying on it for significant decisions.

Sowora may allow you to upload financial statements, including PDF statements, for processing and extraction.

Financial institutions may produce statements in different formats. As a result, extraction may not always be complete or accurate.

An extracted transaction, amount, date, description, or other piece of information should therefore be reviewed by you before being relied upon.

You should not assume that an extracted statement is a perfect representation of the original document.

You should also avoid uploading documents that you do not have the right to provide to Sowora.

Information about how uploaded documents and other personal information are handled is described in the Privacy Policy.

Sowora's current offering is ₹99 for one-time access.

Pricing, features, and access conditions may change in the future. Any applicable price will be presented to you before you complete a purchase.

A future subscription, renewal, or different pricing model will not be treated as applying to you unless clearly communicated and accepted where required.

Payments are processed through Razorpay, a third-party payment service provider. Razorpay may process payment-related information in accordance with its applicable terms and privacy practices.

You agree to use Sowora only for lawful purposes and in a manner that does not interfere with the service or other users.

• Attempt to gain unauthorized access to another user's account or information.
• Probe, scan, or attack Sowora's systems without authorization.
• Introduce malicious code or harmful content.
• Abuse document-processing or other service functionality.
• Use the service to facilitate fraud or other unlawful activity.
• Impersonate another person or misrepresent your relationship with Sowora.
• Attempt to circumvent access controls, security measures, or usage restrictions.
• Use Sowora in a way that could damage, overload, or materially interfere with the service.

We may restrict or suspend access where reasonably necessary to protect users, the service, or our systems.

We aim to keep Sowora available and useful, but we do not guarantee that the service will always be available, uninterrupted, or error-free.

The service may occasionally be unavailable because of maintenance, updates, infrastructure issues, security measures, third-party service interruptions, or circumstances outside our reasonable control.

We may modify, improve, add, or remove features as Sowora develops.

Where a significant change materially affects users, we will provide information about the change where reasonably appropriate.

Sowora may rely on third-party infrastructure and services to operate parts of the application.

These services may include authentication, hosting, database infrastructure, document processing infrastructure, and payment processing.

Your use of certain third-party services may also be subject to their own terms and policies.

We are not responsible for outages or failures of third-party services outside our reasonable control, although we will take reasonable steps to address issues affecting Sowora where appropriate.

Sowora's software, design, branding, visual elements, text, and other original materials are owned by or used by Sowora under appropriate rights.

You may use Sowora for its intended personal purposes, subject to these Terms.

You must not copy, reproduce, modify, distribute, sell, reverse engineer, or commercially exploit Sowora or its proprietary materials except where permitted by applicable law or with our permission.

You retain your rights in information and content that you provide to Sowora, subject to the rights necessary for us to operate the service as described in these Terms and our Privacy Policy.

You are responsible for maintaining appropriate copies of important financial records and documents.

Sowora should not be treated as your sole or permanent repository for important financial records.

You should retain original financial statements and other important documents independently where appropriate.

You may stop using Sowora at any time.

We may suspend or terminate access to an account where reasonably necessary because of violation of these Terms, suspected fraud or unlawful activity, abuse of the service, attempts to compromise security, circumstances requiring us to protect users or the service, or legal or regulatory requirements.

Where reasonably appropriate and lawful, we will provide information about the reason for a suspension or termination.

Termination does not remove rights or obligations that are intended to continue after termination.

You may request deletion of your Sowora account and associated personal information by contacting support.sowora@gmail.com.

Deletion requests are handled in accordance with applicable law and any information we are required or reasonably permitted to retain.

Our Privacy Policy contains additional information about account and data deletion.

Sowora is provided as a personal finance organization and budgeting service.

To the maximum extent permitted by applicable law, we do not guarantee that information entered or extracted by the service will always be accurate or complete, financial calculations or classifications will always be error-free, the service will always be available, the service will meet every individual financial requirement, or information provided by the service is suitable for a particular financial decision.

You should verify important information against original financial records and obtain professional advice where appropriate.

To the maximum extent permitted by applicable law, Sowora and its operator will not be responsible for indirect, incidental, special, consequential, or similar losses arising from your use of or inability to use the service.

This may include losses arising from reliance on inaccurate, incomplete, delayed, or incorrectly extracted information.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted under applicable law.

To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, or reasonable costs arising from your unlawful use of Sowora, your violation of these Terms, or your infringement of another person's rights.

This section will apply only to the extent permitted by applicable law.

These Terms are governed by the laws of India.

Subject to applicable consumer-protection and other mandatory legal rights, disputes relating to these Terms or the service will be subject to the jurisdiction of the courts having appropriate jurisdiction in India.

We may update these Terms as Sowora develops, new features are introduced, or legal requirements change.

When changes are made, the updated effective date will be shown at the beginning of the Terms.

Your continued use of Sowora after an updated version becomes effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

If you have questions about these Terms, your account, the service, or a legal request, contact support.sowora@gmail.com.

Sowora is currently operated by an individual developer in India.