Deviza

Terms of Service

Last updated: 15 September 2026
Effective date: 15 September 2026

These Terms of Service (the “Terms”) form a legal agreement between you (“you”, “User”) and Vishnu Vijayakumar, a sole proprietor based in Bengaluru, India (“Deviza”, “we”, “us”), governing your use of the website at devizalabs.com, the associated mobile interfaces, the Telegram bot, and all related features (collectively, the “Service”).

By creating an account, signing in, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old to use the Service. By using the Service you represent that (a) you are 18 or older, (b) you have the legal capacity to enter into a contract under your applicable local law, and (c) your use of the Service does not violate any law or regulation applicable to you.

If you are accessing the Service from a country, region, or jurisdiction in which providing or using the Service would be unlawful (including without limitation where Indian, EU, UK, or US sanctions apply to you), you must not use the Service.

2. Your account

  • You are responsible for keeping your login credentials confidential and for all activity under your account.
  • You must provide accurate, current information during sign-up and keep it up to date.
  • One natural person per account. You must not create accounts using automation, false identities, or by impersonating others.
  • If you suspect unauthorised use of your account, you must notify us promptly at support@devizalabs.com.

3. The Service

Deviza is a personal finance tracking tool. It helps you record, categorise, and analyse your transactions, including by extracting them automatically from text you upload (e.g. WhatsApp chat exports, bank statement PDFs, CSV files) or messages you send to our Telegram bot using AI provided by Google’s Gemini API.

The Service is for informational and personal-budgeting purposes only. Deviza is not a registered financial advisor, investment advisor, accountant, tax preparer, or financial institution. Nothing on the Service constitutes financial, investment, tax, legal, or accounting advice. Always consult a qualified professional before making financial decisions based on information shown to you.

4. AI-generated content

Deviza uses Google’s Gemini AI to extract and categorise transactions from your input. AI output may be inaccurate, incomplete, or inconsistent. You are responsible for reviewing AI-generated values before relying on them for any purpose. We mark low-confidence AI extractions for your review and let you edit any field at any time. Deviza is not liable for losses arising from your reliance on uncorrected AI output.

5. Plans, billing, and refunds

5.1 Free and paid plans

We offer a Free plan and paid plans (currently Pro and Ultra), with feature and usage limits described on the in-app pricing page. We may change prices, features, or limits at any time, but changes apply only prospectively from the next billing cycle and we will notify paid users by email at least 30 days before the change takes effect.

5.2 Payment processors

Payments in INR made on the website are processed by Razorpay; payments in other currencies made on the website are processed by Lemon Squeezy. If you subscribe through our iOS or Android app, your purchase is processed by Apple’s App Store or Google Playrespectively, via RevenueCat as our subscription-management vendor. By subscribing, you agree to the relevant processor’s terms in addition to ours. We do not store your card or bank details; the payment processor does.

A subscription purchased through the App Store or Google Play is billed, renewed, and cancelled entirely through that store’s account settings — we cannot change, cancel, or refund it directly, and Sections 5.3 and 5.4 below (which describe how web subscriptions renew and are refunded) do not apply to it. Manage or cancel an App Store / Google Play subscription from your Apple ID or Google Play account settings; Apple’s and Google’s own refund policies govern any refund request for those purchases.

5.3 Renewals

Paid subscriptions renew automatically at the end of each billing period unless you cancel beforehand. Cancelling, or downgrading to a lower-priced plan, takes effect at the end of your current paid period — you keep your existing plan’s access until then, and are not charged again after that period ends (for a cancellation) or are charged the lower plan’s price from the next cycle (for a downgrade). Upgrading to a higher-priced plan takes effect immediately, and we charge the prorated difference for the remainder of the current billing period at the time you upgrade.

5.4 Refunds

We do not offer refunds for the unused portion of a billing period when you cancel or downgrade mid-period — cancellation and downgrades take effect at the end of the period as described in Section 5.3, and you keep access you have already paid for until then. We may, at our discretion, refund a charge that resulted from a billing error, a duplicate charge, or a technical fault on our side; contact support@devizalabs.com to request this.

Users in the European Union, the European Economic Area, and the United Kingdom additionally have a mandatory 14-day right of withdrawalunder Directive 2011/83/EU and the UK Consumer Contracts Regulations 2013 for a purchase made on our website, exercisable by emailing the address above for a full refund of that purchase. By starting to use a paid feature inside the 14-day window you expressly agree that we may begin performance immediately, which under Art. 16(m) of the Directive ends this withdrawal right once the digital content or service has been fully performed. Purchases made through the App Store or Google Play are subject to Apple’s or Google’s own withdrawal and refund policies instead, per Section 5.2.

5.5 Taxes

Listed prices are exclusive of taxes unless explicitly stated. You are responsible for any applicable GST, VAT, sales tax, or withholding tax. Where we are required by law to collect such taxes, they will be added to your invoice and shown at checkout.

6. Acceptable use

You will not, and will not assist anyone else to:

  • upload data that you are not legally allowed to share, including chat exports of conversations recorded without all participants’ consent in jurisdictions where two-party consent is required;
  • upload anyone else’s personal or financial data without their permission;
  • use the Service to launder money, evade taxes, finance terrorism, or facilitate any illegal activity;
  • attempt to bypass plan limits, abuse-prevention rate limits, or authentication;
  • reverse-engineer, scrape, or systematically download the Service except to the extent that such restrictions are unenforceable under your local law;
  • use the Service to develop a competing product or to train any machine-learning model;
  • interfere with or disrupt the Service, our servers, or the servers of our sub-processors;
  • upload malware, viruses, or anything intended to harm the Service or other users;
  • misrepresent your identity, age, or affiliation; or
  • use the Service in violation of any applicable law, sanction, or court order.

7. Your data and intellectual property

You own your data.Transactions, profile information, descriptions, files you upload — all of it belongs to you. By using the Service you grant us a worldwide, non-exclusive, royalty-free licence to host, copy, display, transmit, and process your content solely as necessary to provide the Service to you (including by sending it to our sub-processors, e.g. Google’s Gemini API for extraction). This licence ends when you delete the relevant data or your account, except to the extent we are legally required to retain it (see Privacy Policy §7).

We do not use your data to train AI models. Google does not use Gemini API requests on the paid tier to train its models.

We own all rights, title, and interest in the Service itself, including the software, design, brand, and underlying intellectual property. Nothing in these Terms transfers any of those rights to you.

8. Privacy

Our processing of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

9. Third-party services

The Service integrates with third-party services (Supabase, Vercel, Google, Razorpay, Lemon Squeezy, Telegram, Meta’s WhatsApp Cloud API, Apple’s App Store, Google Play, and RevenueCat). We are not responsible for those services, their availability, or their terms; your use of them is governed by the respective provider’s terms.

10. Changes to the Service

We may add, change, or remove features at any time. If we materially reduce the functionality of a paid plan, we will offer affected users either a functional equivalent or a pro-rated refund of the affected period.

11. Suspension and termination

You may close your account at any time from Settings → Danger Zone. Closing your account ends your right to use the Service.

We may suspend or terminate your account, with or without notice, if (a) you materially breach these Terms, (b) your account is used in a way that risks harm to us, other users, or the Service, (c) we are required to do so by law, or (d) we discontinue the Service. If we terminate your paid account other than for material breach, we will refund the unused portion of your current paid period.

12. Disclaimer of warranties

Except as required by mandatory consumer-protection laws (including the Indian Consumer Protection Act 2019, the Australian Consumer Law, and US state consumer-protection statutes), the Service is provided “AS IS” and “AS AVAILABLE”, without any warranty of any kind. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted operation. We do not warrant that the AI-generated outputs are correct or complete.

Australian users: nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law that cannot lawfully be excluded.

13. Limitation of liability

To the maximum extent permitted by law, our aggregate liability arising out of or relating to the Service in any 12-month period is limited to the greater of (a) the amount you paid us in that period, and (b) USD 100 (or equivalent in local currency).

We are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, goodwill, or business opportunities, even if we have been advised of the possibility.

Nothing in this section limits liability that cannot be limited by applicable law (e.g. liability for fraud, gross negligence, willful misconduct, death or personal injury caused by negligence, or — for EU consumers — non-excludable statutory rights).

14. Indemnification

You agree to indemnify and hold us harmless from any third-party claim, liability, loss, or expense (including reasonable legal fees) arising out of (a) data you uploaded that you did not have the right to upload, (b) your breach of these Terms, or (c) your violation of any applicable law in your use of the Service.

15. Governing law & dispute resolution

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Subject to mandatory consumer- protection rights described below, the courts of Bengaluru, Karnataka, India have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service.

EU and UK consumers:nothing in this section deprives you of the protection afforded by mandatory provisions of the law of your country of habitual residence, including your right to bring proceedings in the courts of your country of residence under Article 18 of the Brussels I Recast Regulation. EU consumers may also use the European Commission’s online dispute resolution platform at ec.europa.eu/consumers/odr.

Australian consumers: nothing in this section excludes the jurisdiction of Australian courts where required by the Australian Consumer Law.

Before bringing a formal claim, please email support@devizalabs.com with a description of the dispute. We will try in good faith to resolve it within 30 days.

16. Changes to these Terms

We may update these Terms. If a change materially reduces your rights, we will notify you by email and/or a prominent in-app notice at least 30 days before the change takes effect. Continuing to use the Service after the effective date constitutes acceptance. If you do not agree, you may close your account, and — for paid users affected mid-period — receive a pro-rated refund.

17. Miscellaneous

  • Entire agreement: these Terms together with the Privacy Policy form the entire agreement between you and us regarding the Service.
  • Severability: if any provision is found unenforceable, the rest remains in effect.
  • No waiver: our failure to enforce any provision is not a waiver of our right to do so later.
  • Assignment: you may not assign these Terms; we may assign them in connection with a sale, merger, or restructuring on the same terms.
  • No agency: nothing in these Terms creates a partnership, joint venture, or agency relationship.
  • Force majeure: we are not liable for delay or failure caused by events beyond our reasonable control (e.g. internet outages, government action, natural disasters).
  • Notices: we may give you notice by email to your account address or by an in-app banner. You may give us notice at support@devizalabs.com.

18. Contact

Questions about these Terms? Email support@devizalabs.com.