Terms of Service

By accessing or using ThyFin or thyrizwan.com, operated by Rizwan Gazi ("I", "me", or "my"), you agree to be bound by these Terms of Service. If you do not agree, please do not use my services.

1. Description of Service

I provide the following applications and services:

• ThyFin: A cloud-synced personal finance tracking application that allows you to record income and expenses, manage accounts, set budgets, and track financial goals. Your data is stored securely on my servers and synced across your devices.
• thyrizwan.com: Information, support, and legal pages for my services.

2. Account Registration

• You must provide a valid mobile phone number to register. Registration is verified via OTP sent through WhatsApp.
• You are responsible for maintaining the confidentiality of your account and for all activity that occurs under it.
• You must be at least 13 years of age to use ThyFin.
• You agree to provide accurate information and keep it up to date.

3. Subscription & Payments

4. User Responsibilities

You agree to:

• Use my services only for their intended, lawful purposes
• Not attempt to reverse engineer, decompile, or modify my applications
• Not use my services to store or transmit illegal, harmful, or fraudulent content
• Not attempt to gain unauthorized access to my systems or other users' data
• Respect the intellectual property rights of my applications
• Provide accurate information when contacting support

5. Privacy & Data

Your use of ThyFin involves the collection and storage of personal and financial data on my servers. How I collect, use, and protect your data is described in my Privacy Policy, which forms part of these Terms. By using my services, you consent to my data practices as described therein.

6. Intellectual Property

ThyFin, including its design, code, content, and branding, is the exclusive property of Rizwan Gazi. Nothing in these Terms transfers any intellectual property rights to you. You may not use my name, logo, or branding without prior written consent.

7. Disclaimer of Warranties

My services are provided on an "AS IS" and "AS AVAILABLE" basis. I make no warranties, express or implied, regarding availability, accuracy, reliability, or fitness for a particular purpose. ThyFin is a personal finance tracking tool — it does not provide financial, investment, tax, or legal advice.

8. Limitation of Liability

To the maximum extent permitted by law, Rizwan Gazi shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, my services — including loss of data, profits, or business.

9. Termination

I may suspend or terminate your account immediately, without prior notice, if you breach these Terms or engage in conduct that I reasonably believe is harmful to other users, my services, or third parties. You may close your account at any time — see my Data Deletion page for instructions.

10. Changes to Terms

I may update these Terms from time to time. Material changes will be communicated via the app or email at least 14 days before taking effect. Continued use of my services after changes take effect constitutes your acceptance.

11. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of West Bengal, India.

12. Contact Information

For questions about these Terms: