Terms of Use

Moneylizer, operated by Megagraphs Technologies Private Limited ("Moneylizer", "we", "us", "our")
Primary website: https://moneylizer.com
Additional covered domain: https://megagraphs.com
Effective Date: 19 July 2026
Last Updated: 19 July 2026

1. Acceptance of These Terms

These Terms of Use ("Terms") are an electronic agreement between you and Megagraphs Technologies Private Limited, a company incorporated under the laws of India with its registered office at 105B, Bldg 3, N G Suncity, Thakur Village, Kandivali (East), Mumbai 400101, India. They govern your access to and use of the Moneylizer platform, including the m360 module and any future modules, whether accessed via https://moneylizer.com or https://megagraphs.com.

By creating an account or using Moneylizer, you accept these Terms, our Privacy Policy, and our Data Policy, each of which is incorporated into these Terms by reference. If you do not agree, do not use the service.

These Terms constitute an electronic record under the Information Technology Act, 2000 and the rules made thereunder. No physical or digital signature is required.

2. Eligibility

You must be at least 18 years of age and capable of entering into a legally binding contract under the Indian Contract Act, 1872. By using Moneylizer you represent that you meet these requirements and that the statements and data you upload relate to your own accounts or to accounts you are lawfully authorized to manage.

3. The Service

Moneylizer is a personal finance platform that helps you consolidate, categorize, and understand your bank and credit card statements. The service currently includes uploading statements (PDF/Excel), an optional scoped Gmail integration for fetching statements from an allowlist of statement-issuing senders, automatic extraction and categorization of transactions, labels and personal notes, dashboards and visualizations, and password-protected export of your data.

What Moneylizer is not. Moneylizer is an information-organization tool only. We are not a bank, non-banking financial company, payment system, investment adviser, broker, or credit bureau. We do not hold your money, do not initiate or execute transactions, do not access your net-banking credentials, and do not provide financial, investment, tax, or legal advice. Nothing on the platform — including categorizations, labels, dashboards, or net-worth figures — is a recommendation to buy, sell, or hold any financial product. Consult a qualified professional before making financial decisions.

4. Your Account

You sign in using Google OAuth (additional providers may be added). You are responsible for maintaining the security of your Google account and any device you use to access Moneylizer, and for all activity that occurs under your account. Notify us promptly at support@megagraphs.com of any unauthorized use.

Master password. Your stored documents and exports are protected by a master password unique to your account, as described in the Privacy Policy. You are responsible for keeping it safe. We cannot recover your master password; we can only help you reset it through your authenticated session.

5. Your Content

"Your Content" means the statements you upload or connect, the passwords you supply to unlock them, the transactions extracted from them, and the labels and personal notes you create.

  • You own Your Content. These Terms do not transfer any ownership to us.
  • You grant us a limited, non-exclusive, revocable license to host, process, and display Your Content solely to provide and improve the service to you, consistent with the Privacy Policy. We do not sell Your Content, use it for advertising, or use it to train machine-learning models.
  • You are responsible for Your Content. You represent that uploading and processing it does not violate any law or any third party's rights.
  • Personal notes are private to your account and are never shared with other users.

6. Community Contributions

Moneylizer includes community features such as proposed categorizations, community labels, and location labels applied to transaction-description groups.

  • When you propose or apply a community or location label, you grant us a perpetual, worldwide, royalty-free license to use, display, and distribute that contribution within the platform for the benefit of all users. Community contributions contain vendor/description-level information only — never your personal transactions, amounts, or notes.
  • We may review, edit, reject, or remove any community contribution at our discretion, and may suspend community features for accounts that abuse them (spam, offensive content, deliberate mislabeling, or gaming of rewards).

7. Tokens and Rewards

Moneylizer may grant tokens or points for activities such as signing up or having proposed labels accepted by other users.

  • Tokens are a gamification feature only. They have no monetary value, are not legal tender, currency, a prepaid instrument, a virtual asset, or property of any kind.
  • Tokens are non-transferable, non-redeemable for cash, and non-exchangeable outside the platform.
  • We may modify, revalue, suspend, or discontinue the token program at any time, and may revoke tokens obtained through manipulation, collusion, or abuse.
  • Tokens expire when your account is deleted.

8. Fees

Moneylizer is currently free to use. We may introduce paid plans or premium features in the future. If we do, we will give you reasonable advance notice, and no feature you have already paid for (if any) will be withdrawn without a refund of unused amounts. Continued use of any newly paid feature after notice will require your acceptance of the applicable pricing terms.

9. Acceptable Use

You agree not to:

  • upload statements or data belonging to another person without lawful authority;
  • use the service for any unlawful purpose, including money laundering, fraud, or concealment of proceeds of crime;
  • probe, scan, or test the vulnerability of the platform, bypass authentication, or access data of other users;
  • scrape, harvest, or bulk-extract data from the platform, or use robots or automated agents except through interfaces we expressly provide;
  • reverse engineer, decompile, or create derivative works of the platform, except to the extent such restriction is prohibited by law;
  • interfere with the operation of the service, introduce malware, or impose an unreasonable load on our infrastructure;
  • misuse community features as described in Section 6, or misrepresent your identity.

We may investigate suspected violations and cooperate with lawful requests from authorities.

10. Intellectual Property

The Moneylizer platform — including its software, design, visualizations, taxonomy of categories, trademarks, and logos — is owned by Megagraphs Technologies Private Limited or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the platform for your personal, non-commercial use in accordance with these Terms. No other rights are granted.

11. Accuracy of Extracted Data

Statement parsing, transaction extraction, and automatic categorization are performed programmatically and may contain errors or omissions. Community labels reflect contributions of other users and are not verified by us. Your bank's own records remain the authoritative source of your financial data. Always verify important figures against your original statements before relying on them. We are not responsible for decisions made in reliance on extracted, categorized, or visualized data.

12. Third-Party Services

The service depends on third-party services such as Google (OAuth and optional Gmail integration) and Amazon Web Services (hosting). Your use of Google services is additionally governed by Google's own terms. We are not responsible for the availability or acts of third-party services, though we choose and supervise our processors as described in the Privacy Policy.

13. Availability and Changes to the Service

We strive to keep Moneylizer available but the service is provided on an "as is" and "as available" basis. We may modify, add, or discontinue features (including modules) at any time. Where a change materially reduces core functionality, we will make reasonable efforts to notify you in advance. We may suspend the service temporarily for maintenance, security, or legal reasons.

14. Disclaimer of Warranties

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation. No advice or information obtained from the platform creates any warranty not expressly stated in these Terms.

15. Limitation of Liability

To the maximum extent permitted by applicable law:

  • we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill, arising out of or in connection with the service;
  • our total aggregate liability for all claims arising out of or relating to the service or these Terms shall not exceed the greater of (a) the amounts you paid us in the twelve (12) months preceding the claim, and (b) INR 5,000 (Indian Rupees five thousand).

Nothing in these Terms limits liability that cannot be limited under Indian law, including liability for fraud or wilful misconduct.

16. Indemnity

You agree to indemnify and hold harmless Megagraphs Technologies Private Limited, its directors, employees, and agents from any claims, damages, and expenses (including reasonable legal fees) arising out of your violation of these Terms, your misuse of the service, or your violation of any law or third-party right.

17. Suspension and Termination

  • By you: You may stop using Moneylizer at any time and may delete your account through the in-app deletion flow. Deletion of your data follows the timelines in the Privacy Policy and Data Policy.
  • By us: We may suspend or terminate your account if you materially breach these Terms, if required by law, or if your use poses a security risk to the platform or other users. Where practicable, we will notify you and give you an opportunity to export your data before termination, except where prohibited by law or where doing so would compromise security.
  • Sections that by their nature should survive termination (including Sections 5 licence wind-down, 10, 14, 15, 16, 19, and 20) survive.

18. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified via email or in-app notice with a revised "Last Updated" date, and where required by law we will seek your fresh consent. Continued use of the service after the effective date of the updated Terms constitutes acceptance.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory provisions of applicable law, the courts at Mumbai, Maharashtra shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the service.

20. General

  • Entire agreement. These Terms, the Privacy Policy, and the Data Policy constitute the entire agreement between you and us regarding the service.
  • Severability. If any provision is held unenforceable, the remainder continues in effect.
  • No waiver. Our failure to enforce a provision is not a waiver of it.
  • Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or reorganization, subject to the Privacy Policy's commitments continuing to apply to your data.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

21. Grievance Officer and Contact

In accordance with the Information Technology Act, 2000 and rules thereunder, and the DPDP Act, 2023:

Grievance Officer: Vishwas
Email: support@megagraphs.com
Company: Megagraphs Technologies Private Limited
Address: 105B, Bldg 3, N G Suncity, Thakur Village, Kandivali (East), Mumbai 400101, India

We will acknowledge and address grievances within the timelines prescribed by applicable law.