Terms of use

1. Who can use Bahi Khata

• You must be 18 or over.
• Bahi Khata is invitation only while it is being tested. Your account is for you; sign in only as yourself.
• You sign in with Google, so keeping your Google account secure keeps Bahi Khata secure. Tell us at support@yourbahikhata.com if you think someone else has got in.

2. What Bahi Khata is, and is not

Bahi Khata is a tool for recording what you own and owe and for exploring plans. It works with the figures you give it.

• It is not financial, tax, legal or estate planning advice, and nothing in it is a recommendation to buy, sell or hold anything. Talk to a qualified adviser before acting on it.
• Projections are estimates. The FIRE planner, loan projections and returns rest on assumptions such as growth, inflation and rates, and the future will differ.
• The estate plan is not a will and has no legal effect. Use it to prepare for a conversation with a solicitor.
• Market data comes from others. Prices and exchange rates come from public sources and can be late, missing or wrong.
• Your figures are only as good as what you enter. Check anything that matters against your own statements.

3. A service still being tested

Bahi Khata is new and changing. Features may be added, changed or removed, and it may sometimes be unavailable or have faults. Keep your own copy of anything important: Settings → Export downloads your ledger at any time.

While it is invitation only, what you see of it is confidential. Please don’t share its screens, features or anything not yet public outside your household without our written permission. Your own figures are always yours to share.

4. Free, Pro and the trial

A new account has Pro for a three-month trial, which logging your months on time can extend. After the trial the account moves to Free, which limits some features, unless you choose Pro. Pro’s prices are yet to be announced, and you will never be charged without first agreeing to a price.

5. Your information

What you enter stays yours. You let us store and process it only to run Bahi Khata for you, as the Privacy policy describes. If you add details about other people, such as the people in your estate plan, you confirm that you are entitled to and that they would expect it.

6. AI access

AI access is optional and part of Pro. If you turn it on:

• You choose which parts of Bahi Khata an AI app you connect may read, and you confirm each one first.
• What it reads leaves Bahi Khata. From then on that AI app’s own terms and privacy policy apply, and we are not responsible for how it stores, uses or shares it. Stopping can’t recall what was already read.
• Answers are written by the AI app, not by us. They can misread or misstate your figures, and they are not advice. Bahi Khata’s own pages are the record.
• Connected apps can ask up to 60 questions an hour between them. We may change this limit to keep the service working for everyone.

7. Using Bahi Khata fairly

You agree not to:

• use it for anything unlawful, or to store information you have no right to hold;
• try to reach another member’s account or information;
• interfere with the service, overload it, or get around its limits, including through an AI app;
• copy, scrape or reverse engineer the app, or resell access to it;
• copy its design, screens, wording or calculations, or use the app, or what you learn from it while it is being tested, to build or help anyone build a product that competes with it.

8. Our part

Bahi Khata belongs to us: its software, design, screens, wording, calculations, the Guide, Munshi Ji, and the Bahi Khata name and logo. We give you a personal licence to use it for your own finances while you have an account. You can’t pass that licence on, it ends when your account does, and it gives you no other rights in Bahi Khata.

If you send us ideas or feedback, we may use them freely, with nothing owed to you for them.

9. Ending

You can stop at any time: Settings → Delete account removes your account and everything in it. We may suspend or close an account that breaks these terms, or close Bahi Khata altogether. Where we reasonably can, we will tell you first and give you time to export your information.

10. Responsibility

Under the Australian Consumer Law you have guarantees that these terms cannot exclude, and nothing here limits them. Otherwise, and as far as the law allows:

• Bahi Khata is provided as it is, without any promise that it is accurate, complete or always available;
• we are not liable for decisions you make using it, or for any indirect loss, such as lost profit or lost opportunity;
• our total liability to you is limited to the amount you paid us in the 12 months before the claim, or AUD 100 if that is more.

11. Changes to these terms

If we change these terms in a way that matters, we will update this page and ask you to agree again before you next use the app. If you don’t agree, you can export your information and delete your account.

12. The law that applies

These terms are governed by the law of New South Wales, Australia, and its courts can hear any dispute about them.

13. Contact

Questions about these terms: support@yourbahikhata.com.