Terms for using Monrac.

Monrac is operated by ThinkHash Pvt Ltd.

These Terms and Conditions govern your access to and use of Monrac, including the Monrac mobile app, web app, related websites, APIs, waitlist, communications, and services.

By using Monrac, creating an account, joining the waitlist, or accessing the service, you agree to these Terms. If you do not agree, do not use Monrac.

Monrac helps you track, organize, and understand personal financial and investment information. Monrac does not provide legal, tax, accounting, investment, or regulated financial advice.

AI-generated outputs, insights, projections, classifications, and summaries may be incomplete, outdated, or incorrect. You are responsible for reviewing all information before making financial decisions.

You should consult qualified professionals before making investment, tax, legal, or financial decisions.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must provide accurate account information and keep it current.

You must not access another user's account, attempt to bypass access controls, interfere with service security, or use Monrac for unlawful activity.

You retain ownership of the financial records, portfolio information, commands, files, notes, and other content you submit to Monrac.

You grant Monrac the limited permission needed to host, process, transmit, analyze, and display your content for the purpose of operating, securing, supporting, and improving the service.

You are responsible for the accuracy, legality, and appropriateness of the information you add to Monrac.

You must not misuse Monrac, overload the service, reverse engineer restricted parts of the platform, scrape data without permission, upload malicious code, or use the service to violate laws or third-party rights.

We may suspend or terminate access if we believe your use creates security, legal, operational, or reputational risk.

Some Monrac features may require a paid subscription. Prices, plan limits, and included features may change as the product evolves.

Unless stated otherwise at checkout, subscription fees are charged in advance and may be recurring. Taxes, foreign exchange charges, and payment provider fees may apply.

Refund eligibility, cancellations, and billing changes will follow the terms shown at purchase and any payment provider rules that apply.

Monrac may change, pause, remove, or limit features at any time. We aim to provide a reliable service, but we do not guarantee uninterrupted availability, error-free operation, or permanent storage of every feature.

Beta, waitlist, preview, or experimental features may be changed or discontinued without notice.

Monrac is provided on an as-is and as-available basis to the fullest extent permitted by law. We disclaim warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

To the fullest extent permitted by law, Monrac and its operators will not be liable for indirect, incidental, special, consequential, punitive, or lost-profit damages arising from your use of the service.

Monrac is operated by ThinkHash Pvt Ltd.

Questions about these Terms can be sent to hello@monrac.io. We may update these Terms over time, and continued use after updates means you accept the revised Terms.