Terms and Conditions

Using Hissab Guru

Effective Date: May 8, 2025
Last Updated: May 8, 2025

Welcome to Hissab Guru, a WhatsApp-based personal finance assistant provided by Digital Miles ("Company", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your use of our services, including the Hissab Guru WhatsApp bot, website (https://hisaabguru.com), and any other related services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Eligibility

You must be at least 18 years old to use Hissab Guru. By using the Service, you confirm that you are at least 18 years old and legally capable of entering into a binding agreement.

2. Services Provided

Hissab Guru helps users:

• Track daily expenses
• Set monthly budgets
• Receive summaries and reports via WhatsApp
• Manage personal finances using keywords and contextual inputs

All interactions occur via WhatsApp and rely on user inputs. We do not provide financial advice or portfolio management services.

3. User Responsibilities

By using Hissab Guru, you agree to:

• Provide accurate and complete information
• Use the Service only for lawful purposes
• Not use automation, bots, or scraping tools
• Not misuse or disrupt the Service

You are responsible for the confidentiality and security of your WhatsApp account and any data you share.

4. Privacy

Our Privacy Policy explains how we collect, use, and protect your personal data. By using our Service, you consent to our data practices.

5. Account and Data

Your expense and budget data are stored securely on our servers. You can request to:

• View your stored data
• Update incorrect information
• Delete your account and data

We reserve the right to retain anonymized data for analytics and improvement purposes.

6. Prohibited Use

You may not use the Service to:

• Spread spam or malicious content
• Impersonate another person or entity
• Promote illegal financial activities
• Interfere with system integrity or access

We reserve the right to suspend or terminate accounts violating these terms.

7. Intellectual Property

All content, branding, and technology associated with Hissab Guru are the intellectual property of Digital Miles. You may not copy, distribute, or modify any part of the Service without our written consent.

8. Service Availability

We strive to keep the Service available 24/7, but we do not guarantee uninterrupted access. Maintenance, updates, and unforeseen issues may cause temporary downtime.

We may modify or discontinue features at our sole discretion, with or without notice.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available." We do not guarantee:

• Accuracy of expense or budget insights
• That the Service will meet your specific goals
• That the Service will be error-free or secure

Use the Service at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Digital Miles shall not be liable for:

• Losses or damages from use or inability to use the Service
• Unauthorized access to user data
• Errors, bugs, or service disruptions

In no event shall our liability exceed the amount you paid (if any) to use the Service.

11. Amendments

We may update these Terms from time to time. Updates will be posted on our website or sent via WhatsApp. Continued use after such changes means you accept the new Terms.

12. Termination

You may stop using the Service at any time. We reserve the right to suspend or terminate access if we believe you have violated these Terms.

13. Governing Law

These Terms shall be governed by the laws of Pakistan, without regard to its conflict of law principles.

14. Contact Us

If you have questions or concerns about these Terms, contact us at:

• Email: [email protected]
• Website: https://hisaabguru.com