Terms of Use
हिन्दी में पढ़ेंThese terms apply when you use Lekhya. They are written to be read, not to be survived. If something here is unclear, please ask us — the address is at the bottom.
1. What Lekhya is
Lekhya is a personal finance app that runs entirely on your device. It records money you tell it about — by reading payment alerts on your phone, by parsing a message you share or copy, or by you typing it in — and helps you see and plan your spending.
Lekhya does not connect to your bank. It does not move money, hold money, or execute any transaction. It has no access to any account of yours. It reads notifications and messages that are already on your phone, and nothing more.
2. Lekhya is not financial advice
Everything Lekhya shows you — budgets, forecasts, insights, net worth, returns on the holdings you enter — is arithmetic performed on figures you supplied. It is information, not advice.
Lekhya does not recommend any investment, product, fund, stock, deposit or institution, and it never will. It has no price feed: every rate, NAV and current value in the app is one you typed in yourself, and it is only as current as you last made it. Before making a financial decision, please consult a qualified adviser.
3. Accuracy of automatic capture
Lekhya reads payment alerts using patterns that recognise common Indian bank and UPI message formats. Banks change their wording without notice, and some formats are ambiguous. So automatic capture is a convenience, not a guarantee:
- A payment may be missed, captured twice, or filed with the wrong merchant, amount or category.
- Every entry is editable, and you should treat Lekhya's figures as your own working record — not as a statement of account.
- Your bank's own statement is the authority on what you actually spent. Where Lekhya and your bank disagree, your bank is right.
4. Backups and your passphrase
If you forget your backup passphrase, your backup is gone. Permanently.
A .lkh backup is encrypted with a key derived from the passphrase you choose.
That passphrase is never stored anywhere — not in the app, not on your device, and
certainly not with us. This is exactly why the file is safe to keep in cloud storage or
email it to yourself.
It also means there is no reset link, no recovery question, and no support request that can open it. We cannot help you. Nobody can. Please write your passphrase down and keep it somewhere safe.
You are responsible for making backups. Uninstalling the app, wiping the device, or losing the phone will destroy your data if you have not exported it. Lekhya reminds you to back up, but it cannot do it for you — it has nowhere to put a copy.
5. Lekhya Pro, tips and payment
- Lekhya Pro costs ₹249. It is a one-time purchase, not a subscription. There is nothing recurring, nothing to cancel, and no renewal. You pay once and keep it.
- Every feature is free to try for 7 days from installation — no card, no sign-up, nothing to remember to cancel. When the trial ends, the app keeps working; the Pro features simply stop until you buy.
- The optional tip ("buy me a chai", ₹99) unlocks nothing. It is a thank-you, and you may leave one as often as you like.
- All payments are processed by Google Play or the Apple App Store. We never see your card or billing details.
- Refunds are handled by the store you bought from, under its refund policy — not by us, because we never received your money directly. Please contact Google Play or Apple support. If you have a problem we can actually fix, write to us first and we will try.
- Your purchase is tied to your Google or Apple account. Reinstalling the app and using "Restore purchase" brings Pro back at no charge.
- If the price ever changes, it will not change for anyone who has already bought.
6. How you may use Lekhya
You may install and use Lekhya on the devices you own or control, for personal use. Please do not attempt to resell it, redistribute a modified copy, or circumvent the Pro purchase.
You are responsible for using Lekhya lawfully and for the accuracy of whatever you enter.
7. No warranty
Lekhya is provided "as is". We have tested it carefully and we use it ourselves, but we cannot promise it will be uninterrupted or error-free, or that it will suit any particular purpose of yours.
8. Limitation of liability
To the extent the law allows, we are not liable for indirect or consequential loss arising from your use of Lekhya — including lost data, a missed payment, or a financial decision you made using figures the app displayed.
Nothing in these terms limits any liability that cannot lawfully be limited, or affects your statutory rights as a consumer under Indian law.
9. Changes to these terms
If these terms change we will update the version and effective date above. Continuing to use Lekhya after a change means you accept the revised terms. Material changes will be mentioned in the app's release notes.
10. Governing law
These terms are governed by the laws of India. The courts at Pune, Maharashtra have exclusive jurisdiction over any dispute arising from them.
11. Contact
Lekhya · Made in India · Home · Privacy · Support · Data safety · Security