Burnly Terms of Service

Version 1.0 · Effective: the date Burnly is first published on an app store · Last updated: 31 October 2026

These terms are between you and Udaya Krishnan, Chennai, Tamil Nadu, India, the publisher of Burnly ("we"). By creating an account or using Burnly you agree to them. Our Privacy Policy explains how we handle your data.

  1. The service. Burnly helps you track spending and shows an estimate of what you can safely spend.
  2. It is a budgeting aid, not financial, tax, credit or investment advice.
  3. Its numbers depend on what you enter and what the app captures.
  4. Check important figures against your bank or card statements.

  5. Burnly does not move money, hold funds, give loans, or connect to your bank account.

  6. Eligibility.

  7. You must be 18 or older to create an account.

  8. A child may use Burnly only as a Dependent in a household, added by a parent or legal guardian who gives consent in the app.

  9. Your account.

  10. Keep your sign-in method and your backup passphrase safe.
  11. We cannot recover a forgotten backup passphrase or restore a backup without it.

  12. You are responsible for activity on your account.

  13. Auto-capture.

  14. Turning on Auto-capture is your choice. You can turn it off at any time.

  15. Automatic parsing can be wrong or miss messages. Review entries and correct them.

  16. Households.

  17. The household Admin controls who joins and what each member can see.
  18. Shared entries are visible to the members the Admin allows.

  19. Only add people who have agreed to join.

  20. Subscriptions and payment.

  21. Paid plans (Plus and Family) are sold through Google Play or the Apple App Store and billed by that store.
  22. The price, any free trial and the renewal period are shown before you buy.
  23. Subscriptions renew automatically until you cancel in your store account settings. Cancellation takes effect at the end of the current period.

  24. Refunds are handled by the store under its refund policy. We do not issue refunds directly, except where Indian consumer law requires it.

  25. Acceptable use. You must not:

  26. break the law
  27. attack, overload or reverse-engineer our servers
  28. use another person's account or data without permission

  29. add a child you are not the parent or legal guardian of

  30. Roasts.

  31. Roast messages are light humour about spending, not judgement or advice.
  32. We never roast spending in sensitive categories: medical, education, insurance, family support, charity, and fees.
  33. We never roast children.

  34. You can turn roasts off.

  35. Availability and changes to the app.

  36. We work to keep Burnly available and accurate, but we do not guarantee it will be error-free or uninterrupted.

  37. We may add, change or remove features.

  38. Liability.

    • To the extent permitted by law, Burnly is provided "as is".
    • We are not liable for indirect or consequential loss, or for decisions you make based on Burnly's estimates.
    • Our total liability for any claim is limited to the amount you paid us for Burnly in the 12 months before the claim.
    • Nothing in these terms limits liability that cannot be limited under Indian law, including under the Consumer Protection Act, 2019.

  39. Ending the service.

    • You can stop using Burnly and delete your data at any time in Settings > Data & privacy.
    • We may suspend an account that breaks these terms, after notice where reasonable.

  40. Changes to these terms. We will tell you in the app before material changes take effect. If you keep using Burnly after that, you accept the new terms.

  41. Governing law and disputes.

    • These terms are governed by the laws of India.
    • Please contact us first, and we will try to resolve the issue.
    • Otherwise, the courts at Chennai, Tamil Nadu, have exclusive jurisdiction, subject to your rights as a consumer to approach a consumer commission.

  42. Contact.