Dated: 24 January 2026
Version: 1
By creating an account, accessing, or using Karna Finance, you confirm that you have read and agreed to these Terms & Conditions. You must accept these Terms before proceeding with signup or where required during continued usage.
Karna Finance helps users track and understand:
The app provides awareness and planning support. It is not a bank, lender, or financial institution.
Karna Finance does not provide professional financial, legal, tax, or investment advice. Any outputs are informational only. You remain fully responsible for your financial decisions.
You are responsible for:
If data is not captured, it cannot be measured; if it cannot be measured, it cannot guide decisions.
Account access may include login, email verification, and password reset mechanisms. You are responsible for safeguarding your account access.
We may update these Terms in the future. Users may be required to re-accept updated versions. Acceptance may be recorded with version number and timestamp.
By using the app, you consent to processing of your data strictly to deliver app features. We do not sell financial data and do not use it for advertising.
The app uses third-party cloud services for authentication and data storage (such as Google services). Availability may depend on these providers.
Users are responsible for periodically reviewing and retaining copies of important financial records. We do not guarantee permanent data retention.
Karna Finance is provided as-is. We are not liable for losses resulting from incorrect inputs, misuse, or decisions made solely based on app outputs.
We may restrict access in case of misuse. If you delete your account, associated family data and stored files may be permanently removed and cannot be recovered.