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Terms of Service

Last updated: 12 September 2026

These Terms govern your use of OneSpend, a service operated by Harsh Gupta, an individual operating as a sole proprietor in India ("we", "us"). By creating an account or paying for a plan, you agree to them. If you do not, do not use the Service — and if you have already paid, the Cancellation and Refunds policy tells you how to get your money back.

Our handling of your data is governed by the Privacy Policy, which forms part of these Terms.

1. Eligibility

You must be at least 18 years old and capable of entering into a binding contract under Indian law. OneSpend is built for Indian bank accounts and Indian credit cards, and is sold in Indian rupees to customers in India. You may use it from anywhere, but we do not support banks outside India.

2. Your account

You sign in with a Google account. One person, one account; accounts are not shared or transferred. You are responsible for:

  • keeping your Google account and your device secure;
  • everything that happens through your OneSpend account;
  • telling us promptly at support@onespend.in if you think someone else has access;
  • the accuracy of what you enter yourself — card limits, statement dates, and which account is your vault.

3. What the Service does

OneSpend reads the transaction messages your bank already sends you, turns them into a record of what you have spent, and prompts you to set aside the money to pay for it. Specifically:

  • It reads messages, with your permission, from the channels you connect: bank notification emails in Gmail (read-only); transaction SMS and notifications on your own device, forwarded by an automation you set up; email forwarded to an address we give you; and account statements you upload yourself.
  • It extracts the transaction — amount, merchant, card, time — using a language model, and records it against the card it belongs to.
  • It tells you the gap between what you have spent in a period and what you have set aside against it.
  • It prompts you to make a transfer into a bank account you nominate as your vault, and records that you intended to. See §5.
  • It categorises, alerts, reports, and answers questions about your own data, to the extent your plan includes those features.

4. Plans, the free trial, and payment

Current plans and prices are on the pricing page and form part of these Terms. At the date above, Plus is ₹1,499 a year on this website.

  • The free trial. New accounts get 45 days of the Plus plan at no cost. We do not collect a card, a UPI mandate or any other payment instrument to start it, so nothing is charged when it ends. If you do nothing, the account becomes a free account.
  • The free plan. It tracks one card and shows the current month. Older transactions are retained, not deleted, and become visible again if you subscribe later. A full export of everything we hold is available on every plan, including this one.
  • Subscriptions renew automatically at the end of each period, at the price you were last told, until you cancel. Where you have authorised a UPI AutoPay or card mandate, you will receive the pre-debit notification the rules require before each debit.
  • Cancel any time from Settings → Subscription. You keep the plan until the end of the period you paid for. Refunds are set out separately, including a seven-day window on a first subscription.
  • Price changes are notified by email at least 30 days in advance and apply only from your next renewal.
  • Taxes. Prices shown are the total payable. If we become liable to collect GST, prices will be updated to remain inclusive and you will be told before your next renewal.
  • If you subscribed inside the iOS or Android app, that purchase is made from Apple or Google under their terms. They hold the billing relationship, and cancellations and refunds go through them, not us.

Payments on this website are processed by Razorpay. We never receive or store your card number, UPI PIN or bank credentials — see §4 of the Privacy Policy.

5. What OneSpend is not — please read this one

This is the most important section in these Terms, because the product talks about money and it would be easy to assume more than is true.

  • We never hold, receive, route or touch your money. Not for a second, not in transit, not in an escrow. The only money we ever collect is the subscription fee for the Service itself.
  • Every transfer is one you make yourself. When OneSpend prompts you to set aside an amount, it opens your own UPI app, pre-filled, and you authorise the payment there with your own PIN, from your own account, to your own account. We cannot initiate, reverse, schedule or stop a transfer, and we never see your PIN.
  • We cannot confirm that a transfer succeeded. There is no reliable confirmation available to an app in this flow, so we mark a reservation as initiated, then look for your bank's own credit message to confirm it. Until that arrives, the Service shows the reservation as unconfirmed, and it means exactly that. Never treat an unconfirmed reservation as money that has moved.
  • We do not pay your bills. OneSpend does not pay your credit card bill, cannot set up autopay on your card, and will never be responsible for a payment you did not make. Paying the bill remains entirely yours to do.
  • We are not a bank, a payment system, a payment aggregator, an account aggregator, an NBFC or any other regulated financial entity, and we hold no RBI authorisation. OneSpend is software that reads messages and does arithmetic.
  • Nothing in the Service is financial, tax, investment or legal advice. It is a record of your own transactions and calculations over them. Decisions you take on the strength of it are yours.

6. The vault and reservations

A "vault" is simply a bank account of yours that you nominate. We store its identifier so we can pre-fill a transfer to it. A "reservation" is our record that you intended to set aside a sum against a transaction.

  • A reservation is a record, not an instruction to anyone and not a lien on your money. You can spend the money in your vault account at any time, from your bank as usual; we will simply show a shortfall.
  • Reservation records are append-only. A correction is recorded as a further entry, never by rewriting the original, so the history of an adjustment remains visible to you.
  • You are responsible for ensuring the account you nominate is your own and that its details are right. We cannot recover a transfer sent to an account you entered incorrectly.

7. Acceptable use

You agree not to:

  • use the Service for anyone's financial data but your own, or feed it messages belonging to another person without their consent;
  • attempt to access another user's data, probe or circumvent our security, or interfere with the Service's operation;
  • scrape, resell or redistribute the Service, or use it to build a competing dataset;
  • use automated means to place unreasonable load on the Service, or exceed the fair-use limits published for your plan;
  • use the Service for anything unlawful.

8. Third-party services

The Service depends on others, and their terms apply to their part: Google (sign-in and Gmail access), Google Gemini (extraction), Razorpay (payments on this website), Apple and Google (payments in the apps), and your own bank and UPI app. We are not responsible for their acts or omissions, and a failure on their side may interrupt the Service. The Privacy Policy lists what each one receives.

9. Accuracy, and what we do guarantee

OneSpend reads bank messages using a language model. We have designed it so that two specific failures cannot happen quietly:

  • An amount cannot be invented. The model is not asked what a transaction was worth; it is asked which part of the message holds the amount, and we read that part ourselves. A figure you see came from your bank's message, not from a model.
  • A message we cannot read is shown to you, not discarded. If extraction fails or a result fails validation, the message is quarantined and surfaced in the app.

What we do not guarantee:

  • Completeness. We can only see messages that reach us. A bank that changes its format, an email that is not delivered, an SMS an automation misses, a cash payment nobody messages about — none of those will appear, and the total will be lower than reality.
  • Correct interpretation in every case. Categories, merchant names and the matching of a refund or a pre-authorisation to its original can be wrong. You can correct all of them.
  • That the Service is a statement of record. Your bank's statement is. Where the two differ, the bank is right. Check your statement, and do not use OneSpend as the sole basis for a tax filing, a dispute or a legal position.

10. Your data

  • Your financial data is yours. We claim no ownership of it, and you grant us only the licence needed to operate the Service for you.
  • Transaction values are encrypted at rest with a key derived per user.
  • You can export everything, delete individual records, or delete your account outright at any time, on any plan.
  • We comply with the Google API Services User Data Policy, including its Limited Use requirements, as set out in the Privacy Policy.

11. Intellectual property

The Service — its software, design, and documentation — belongs to us. These Terms grant you a personal, non-exclusive, non-transferable right to use it while your account is in good standing, and nothing more.

12. Availability and changes to the Service

We aim for high availability but do not guarantee uninterrupted access. The Service may be unavailable for maintenance, updates, or causes outside our reasonable control, including a dependency of ours failing.

We may change or discontinue features. If we remove something material that your paid plan included, we will tell you in advance, and you may cancel and receive a pro-rata refund for the unused period — see Cancellation and Refunds.

13. Disclaimer of warranties

TO THE EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not warrant that the Service will be error-free or uninterrupted, that extraction will be accurate or complete, or that it will meet your particular requirements.

Nothing here excludes liability that cannot lawfully be excluded, including liability for fraud or for death or personal injury caused by negligence.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA OR GOODWILL, ARISING FROM:

  • your use of, or inability to use, the Service;
  • any inaccuracy or omission in transaction data, including a transaction the Service did not record;
  • any transfer you made, failed to make, or made incorrectly, including one prompted by the Service;
  • any interest, late fee, penalty or credit-score consequence arising from a bill you did not pay on time;
  • unauthorised access to your data, or the acts of third parties.

Our total aggregate liability for all claims in any twelve-month period is limited to the amount you paid us for the Service in that period. If you are on the free plan, that amount is zero, and your remedy is to stop using the Service.

15. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you breach these Terms, if required by law, or if we discontinue the Service — in the last case with reasonable notice and a pro-rata refund of any unused paid period.

On termination: your right to use the Service ends; your data is deleted in accordance with the Privacy Policy; and you can revoke our Gmail access yourself at any time through your Google Account settings. Export anything you want to keep first — deletion is irreversible.

16. Changes to these Terms

We may update these Terms. For material changes we will notify you by email or in the app before they take effect, and continued use after that constitutes acceptance. If you do not accept a change, you may cancel; if you have paid for a period you will not now use, tell us and we will refund it pro rata.

17. Governing law and disputes

These Terms are governed by the laws of India. Before starting any legal proceeding, please raise the matter with our Grievance Officer (§18) and give us a genuine opportunity to resolve it — most things are a misunderstanding and are fixed in a day. Failing that, the courts having jurisdiction over our registered address shall have exclusive jurisdiction.

18. Grievances and contact

General questions and support: support@onespend.in or the contact form.

Grievance Officer: Harsh Gupta, grievance@onespend.in. Complaints are acknowledged within 24 hours and resolved within 15 days.

Harsh Gupta
A-21, Flat No A-03, UGF
Neb Sarai, Indira Enclave, Ignou
South Delhi, Delhi, 110068
+91 7001876232