Terms of use

Version 2026-11-09. These terms cover the HamaraFolio account at app.hamarafolio.com during the invitation-only test.

Draft for the invitation-only test, to be reviewed by a lawyer before HamaraFolio opens to the public.

1. What the account is

The account lets you sign in to HamaraFolio's online services: today a profile page and a demo; later sync between your devices and the web app. Your financial records are kept in your HamaraFolio vault, encrypted with keys on your own devices. The account never holds those keys and can't read your vault.

2. Invitation-only test

• Only people we invite can register. The service may change, pause or stop at any time while we test, and test accounts may be deleted, with notice by e-mail where we can.
• The demo household shown after you sign in is fictional. It is not your data and not advice.

3. Signing in

• Each sign-in asks for your passkey, a code sent to your WhatsApp and a code sent to your e-mail from support@hamarafolio.com.
• Keep your devices, your WhatsApp and your e-mail secure. Turn on WhatsApp two-step verification. Never share a code: HamaraFolio will never ask you for one by phone or chat.
• Tell us at once at support@hamarafolio.com if you think someone else has signed in as you.

4. Not financial advice

HamaraFolio helps you organise information and run estimates, such as the FIRE plan. Estimates depend on your inputs and assumptions and can be wrong. HamaraFolio is not an investment adviser; decide with a qualified adviser where needed.

5. Fair use

Don't misuse the service: no attempts to get into other people's accounts, to overload the service, or to send codes to numbers or addresses that aren't yours.

6. Liability

The test service is provided as it is, without guarantees of availability. To the extent the law allows, HamaraFolio is not liable for indirect losses arising from its use.

7. Your data

What we keep about you, why, and your rights are in the Privacy notice, which is part of these terms.

8. Changes and law

If these terms change, we'll ask you to agree to the new version before you continue. These terms are governed by the laws of India.

9. Contact

support@hamarafolio.com