Terms & Conditions
Last updated: October 26, 2026
1. Acceptance of Terms
By creating an account and using Vyaya, you agree to these Terms and Conditions. If you do not agree, please do not use the app.
2. Use of the App
Vyaya is a personal finance tracking tool. You agree to use it only for lawful purposes and not to misuse any features. You are responsible for maintaining the security of your account credentials.
3. Account Eligibility
You must be at least 18 years old to use this app.
4. Your Data
You own your financial data. We store it securely using Supabase with Row Level Security — no other user can access your data, and we access it only to run and support the service. You can delete your account and all data at any time from the app settings. If you do not open Vyaya for 3 months, your financial data is removed after we warn you by email, as described in section 11 of the Privacy Policy.
5. AI Features
AI-powered features in Vyaya — including receipt scanning and the financial advisor chat — are provided by Vyaya using its AI service provider, OpenAI. Usage is subject to fair-use limits, which are displayed in app settings.
When you scan a receipt, its cleaned text — or the photo, when almost no text can be read — is sent to OpenAI for processing. When you ask the financial advisor a question, your question is sent with the summary of your finances needed to answer it. OpenAI does not use this data to train its models and may keep it for up to 30 days to detect abuse before deleting it. Vyaya does not keep receipt photos or your conversations on its own servers; only when you rate an advisor answer are that question and answer kept with your rating.
6. Camera, Photos and Microphone
Vyaya does not ask for camera permission: to scan a receipt it opens your phone's own camera app, or you pick or share a photo. Microphone permission is used only when you tap the microphone to speak to the financial advisor; Vyaya receives only the text of what you said. Receipt photos are handled as described in section 5.
7. Biometric Authentication
The app offers optional biometric lock (fingerprint/face recognition) to protect your balance visibility. Biometric data is processed entirely on your device and is never transmitted or stored by us.
8. On-Device Processing
Receipt text is extracted on your device using on-device OCR before being sent to our AI provider. Sensitive data including phone numbers, UPI IDs, bank account numbers, IFSC codes, and email addresses are automatically removed before the text leaves your device. Only when almost no text can be read is the photo itself sent instead.
9. Notifications
We send optional reminders including daily expense tracking reminders and due-date alerts for recurring payments and debts, and occasional announcements about Vyaya. Reminders are delivered as push notifications through Firebase Cloud Messaging (Google) at the times you choose in the app; delivery may be delayed by your device or network. You can turn reminders off in the app settings, and all notifications from Vyaya in your device's notification settings, at any time.
10. Auto-Capture of Transactions (Android)
Auto-Capture Transactions is an optional Android-only feature and is switched OFF by default. Enabling it requires two separate, deliberate steps: your consent inside the app, and granting Notification access in your Android settings. You may withdraw either at any time — switch Auto-Capture off in Vyaya settings, or revoke Notification access in Android settings — and capture stops immediately.
Android delivers every posted notification to any app holding Notification access. Vyaya examines each notification on your device only long enough to decide whether it is a bank transaction alert. A notification is kept only if it contains a currency amount, a money-movement word (such as debited, credited or paid), and identifies a bank you have added as an account in Vyaya. Everything else — personal messages, chats, one-time passwords, promotional alerts and notifications from banks you do not track — is discarded immediately.
Captured alerts are parsed entirely on your device by the app itself. Their text is never transmitted to our servers, never sent to our AI providers, and is never used to train any model; to suggest a category, the app may look up the payee's name among your own earlier transactions. Unless you switch on Add automatically, a captured alert is only a suggestion: you confirm it — with Add on the alert or in the app — before any transaction is added to your records, and you may skip it instead. With Add automatically on, recognised payments are added for you — each one can be undone — and anything uncertain still waits for your review.
Auto-Capture is a convenience, not a system of record. Bank notification wording varies between banks and changes over time, so alerts may be missed, duplicated or read incorrectly. You remain responsible for verifying every transaction against your bank statement, and we are not liable for transactions that are captured inaccurately or not captured at all.
11. Disclaimer
Vyaya is a personal finance tracking tool only. It does not provide financial advice. Always consult a qualified financial advisor for investment or financial decisions.
12. Limitation of Liability
We are not liable for any financial decisions made based on data shown in the app. Use the app at your own discretion.
13. No Warranty
The app is provided "as is" without warranties of any kind. We do not guarantee uninterrupted access or accuracy of financial calculations.
14. Account Termination
We reserve the right to suspend or terminate accounts that violate these terms or engage in abusive behavior.
15. Changes to Terms
We may update these terms. Continued use of the app after changes means you accept the updated terms.
16. Contact
For any questions about these terms, contact us at: