Terms of Service

1. Description of Service

Qurbill is a personal finance and expense-sharing utility designed to help users track personal and group expenses. The Service allows users to scan receipts using Artificial Intelligence, assign costs, monitor budgets, and generate UPI deep-links to facilitate external payments.

Disclaimer on Payments & UPI IDs: We do not process fiat currency payments, act as a payment gateway, or hold user funds in a wallet. All monetary transfers are executed solely via third-party UPI applications (e.g., Google Pay, PhonePe, Paytm). Therefore, we do not collect payment processing fees, and we cannot issue refunds, reverse transactions, or guarantee the delivery of funds for peer-to-peer transfers.

User Responsibility for UPI IDs: Users are required to manually input their own UPI IDs into the application. You are solely responsible for ensuring the accuracy of the UPI ID you enter for yourself or select for a friend. If a transaction fails, is delayed, or if funds are sent to the wrong bank account because of an incorrect UPI ID, Qurbill holds strictly zero liability. We do not act as a financial medium, we do not verify UPI IDs against bank records, and we have no technical ability to trace, retrieve, or refund misdirected payments. Any dispute regarding a misdirected payment must be resolved directly between you, the other user, and the respective UPI provider or bank.

2. Eligibility and Age Requirements

Under the Indian Contract Act, 1872, individuals under the age of 18 are considered minors and are not legally competent to enter into a contract. Therefore, you must be at least 18 years old to create an account and use the tracking features on Qurbill independently. If you are under the age of 18, your parent or legal guardian must agree to these Terms on your behalf, and you represent that you have their explicit consent to use the Service.

Important Notice Regarding UPI Payments: Actually settling debts via UPI deep-links requires you to meet the legal age and eligibility requirements of your respective bank and UPI provider (which is typically 18+ in India). Qurbill holds no liability for unauthorized financial transactions executed by minors or individuals lacking legal capacity.

3. Account Creation and Security

• You agree to provide accurate, current, and complete information during registration.
• You are solely responsible for safeguarding the confidentiality of your account credentials (e.g., your device, Phone OTPs, Google Account).
• You agree to notify us immediately of any unauthorized access to or use of your account. We will not be liable for any loss or damage arising from your failure to protect your account.

4. User Content and Shadow Accounts

When you upload receipt images or provide text data to the app ("User Content"), you represent and warrant that you own or have the necessary licenses and permissions to use and share that content.

Contacts Access: Qurbill allows you to add friends from your device's address book. By granting contact access, you explicitly confirm that you have the permission of your contacts to upload their phone numbers to our Service to facilitate expense splitting.

You grant us a worldwide, royalty-free, non-exclusive license to host, store, process (via AI), and display your User Content solely for the purpose of operating and providing the Service to you and your selected friends.

5. Acceptable Use and Community Guidelines

To maintain a safe and functional environment, you agree NOT to:

• Commit Fraud: Initiate fake transactions, harass others with fraudulent debt claims, or attempt to scam users through UPI deep-links.
• Upload Sensitive PII: Upload images to our servers (via the receipt scanner or profile picture) that contain highly sensitive personal information not relevant to expense tracking (e.g., full credit card numbers, Aadhaar numbers, PAN cards, Voter ID cards, passports, or health records).
• Upload Illegal Content: Post explicit, defamatory, illegal, or infringing content.
• Abuse the System: Spam contacts, send unsolicited payment reminders repeatedly, or use bots, scrapers, and automated scripts to interact with the Qurbill API or circumvent rate limits.
• Reverse Engineer: Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising the Service.

Violation of these guidelines may result in the immediate suspension or termination of your account without notice.

6. Intellectual Property (IP) Notice

Our Intellectual Property

All rights, title, and interest in and to the Qurbill application—including all software, source code, UI/UX designs, algorithms, text, and logos—are the exclusive property of the individual developer operating Qurbill.

• The Service is protected by copyright, trademark, and other intellectual property laws of India.
• You are granted a limited, non-exclusive, non-transferable, and revocable license to use the app for your personal, non-commercial use.
• You may not modify, reproduce, distribute, create derivative works of, or reverse-engineer any part of the application.

Third-Party Intellectual Property

• Qurbill integrates with third-party providers such as Google (Gemini, Firebase) and Cloudinary. Their respective logos, software, and trademarks are the property of those entities.
• The application facilitates links to third-party UPI payment apps. Qurbill is not affiliated with, endorsed by, or sponsored by these entities.

7. AI Disclaimers and Limitation of Liability

AI Disclaimer: The Service utilizes Generative AI (Google Gemini) to parse receipts and generate financial insights. Generative AI models are probabilistic and can sometimes produce inaccurate or fabricated information. The AI features in Qurbill are for informational and organizational purposes only and do not constitute professional financial, tax, or legal advice.

Verification: You are strictly responsible for verifying all extracted amounts, categorizations, and settlement plans before executing any real-world payments.

Limitation of Liability:
To the maximum extent permitted by applicable law, Qurbill and its creator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from: (A) your use or inability to use the Service; (B) any errors, omissions, or inaccuracies in AI-generated data or financial calculations; (C) any transactions executed via third-party UPI apps; or (D) unauthorized access to or alteration of your transmissions or data. In no event shall our aggregate liability for all claims relating to the Service exceed the amount you paid us to use the Service (if any).

8. Indemnification

You agree to indemnify, defend, and hold harmless Qurbill and its creator from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from your use of the Service, your violation of these Terms, or your infringement of any intellectual property or other right of any person or entity.

9. Modifications and Service Interruptions

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We do not guarantee that the Service will be uninterrupted or error-free. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

We may also revise these Terms from time to time. The most current version will always be posted in the app. By continuing to use the Service after revisions become effective, you agree to be bound by the revised Terms.

10. Governing Law and Dispute Resolution

Governing Law: These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

Dispute Resolution: In the event of a dispute, you agree to first attempt to resolve it informally by contacting us at the email provided below. If the dispute cannot be resolved informally within thirty (30) days, any legal action or proceeding arising under these Terms will be brought exclusively in the competent courts located in Mathura, Uttar Pradesh, India, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

11. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable. These Terms and the Privacy Policy constitute the entire agreement between you and Qurbill regarding the Service.

12. Grievance Redressal and Contact Info

If you have any questions about these Terms or wish to raise a formal grievance under the Information Technology Rules, 2021, please contact our Grievance Officer at:

The Grievance Officer will acknowledge your complaint within 24 hours and resolve it within 15 days from the date of receipt.