Terms of service
What you are agreeing to.
The summary below describes how the product actually works. The formal terms that sit underneath it are being finalised.
Status of this page
The descriptions on this page are accurate as statements about the software. The formal terms will replace the marked sections before launch. Questions in the meantime go to hello@tldrmoney.app.
The short version
- TLDR Money is a tool for recording what you spend. It is not a bank, it does not hold or move money, and it does not give financial advice.
- Your subscription is bought from the App Store or Google Play, so they handle billing, renewals, cancellations and refunds.
- Your transactions are yours. CSV export is free on every plan, and deleting your account deletes them.
- If your subscription ends you drop to the free plan. Nothing is deleted and nothing is locked.
1. The service
TLDR Money records transactions you enter, by typing them, speaking them, writing a sentence, or letting an Apple Pay purchase be captured on a supported iPhone. It groups them into categories, tracks budgets you set, and answers questions about what you have already recorded.
It does not connect to a bank or a card, and it never imports a transaction you did not enter or approve. The completeness of your records is therefore up to you, and the app cannot tell you whether something is missing.
TODO_NIRMAL: formal service description, licence grant and availability terms come from the lawyer.
2. Your account
TODO_NIRMAL: account eligibility, age, security obligations and termination come from the lawyer.
3. Subscriptions and billing
Pro is sold through the App Store and Google Play. They take the payment, they renew it, and they handle cancellations and refunds under their own terms. We never see or store your card details.
The yearly plan begins with a 14-day free trial. The monthly plan has no trial. Prices display in US dollars and are charged in your local currency by the store.
When a trial or subscription ends, the account moves to the free plan. Data is not deleted and the app is not made read-only, with one exception: a shared ledger whose owner loses Pro becomes read-only for both people, and nothing in it is deleted.
TODO_NIRMAL: formal billing, renewal, price-change and refund terms come from the lawyer.
4. Shared ledgers
A shared ledger is a space two people both write to. Both can add and edit every entry in it, and each entry records who added it. The person who creates it needs Pro; the person invited does not. The owner can revoke access at any time, and a revoked person keeps no copy.
TODO_NIRMAL: formal terms covering shared data, consent between the two parties, and what happens on revocation come from the lawyer.
5. Acceptable use
TODO_NIRMAL: acceptable use, prohibited conduct and enforcement come from the lawyer.
6. What this app is not
TLDR Money reports what you have recorded. It does not give financial advice, make recommendations, or tell you what to do with your money. Ask answers questions about your own transactions and declines anything prescriptive, by design.
The calculators on this website compute arithmetic from figures you type in. They are planning tools rather than projections to rely on, and each page states the assumptions it simplifies.
TODO_NIRMAL: formal disclaimer, limitation of liability, warranty and indemnity come from the lawyer.
7. Changes to these terms
TODO_NIRMAL: change and notification mechanism comes from the lawyer.
8. Governing law and contact
TODO_NIRMAL: governing law and dispute resolution for the six markets come from the lawyer.
TLDR Money is operated by Sonal Systems Private Limited, CIN U62099GJ2026PTC179785, registered at A-3, Mehsana Nagar, Nizampura, 390002, India. Contact: hello@tldrmoney.app.