Terms of use / प्रयोगका सर्तहरू / उपयोग की शर्तें

What the app does

Kharcha Khata is a record-keeping tool for personal and household income, expenses, budgets, cash allocations and shared friend/trip accounts. It does not send or hold money, provide a bank account, verify that a payment occurred, or provide professional financial advice. Figures depend on the records you enter. Review balances and actual payments with the other people involved.

Money given to a partner for household spending is a transfer within the household, not new household income or an expense. Actual purchases must be recorded separately. Shared-account balances use recorded expense participants and confirmed transfers; these are user-entered bookkeeping records, not bank confirmations.

Accounts and sharing

You control whether to use local-only records, family synchronization, shared accounts. Google sign-in identifies you for cloud features. Keep your sign-in and join codes private, share codes only with intended members, and record only information you are entitled to share. Members can see the ledger in the family/shared account they join. Own-record controls and the account owner’s explicit deletion controls apply as described in the privacy policy.

Reminders, timestamps and backups

Reminders are optional. Choose a daily time, recurrence and whether family members may remind you. You may snooze for 30 minutes, one hour or two hours, complete the day’s check-in, or confirm there was no income or expense. Merely opening the app or dismissing a notification does not complete the day. Quiet hours stop reminders at 11 PM; Android permissions, battery restrictions, force-stop and network availability can delay or prevent delivery. Notifications cannot be guaranteed to stay on screen or arrive at an exact instant.

Transaction occurrence time is optional and user-editable; the app separately records when an entry was created. Older records without a known time are not assigned a guessed time.

Google Drive backup and restore have been retired from the current source update. Earlier installations and existing Drive copies require separate management. Local exports and imports remain available. The Flutter client merges personal records by stable identifiers and rejects conflicts; older native clients can replace local records during restore. Keep exported files securely.

नेपालीमा मुख्य कुरा

यो एप हिसाब राख्ने साधन हो; पैसा पठाउने वा बैंकको सेवा होइन। घर चलाउन पार्टनरलाई दिएको रकम छुट्टै हस्तान्तरण हो, परिवारको खर्च वा आम्दानी होइन। वास्तविक खर्च अलग राख्नुहोस्। साझा हिसाब सदस्यहरूले देख्छन्। आफ्नो Google खाता र जोडिने कोड सुरक्षित राख्नुहोस्।

दैनिक सम्झना ऐच्छिक हो। सूचना हटाउँदा वा एप खोल्दैमा दिनको हिसाब पूरा मानिँदैन। पूरा भएको जनाउनुहोस्, आज कारोबार भएन छान्नुहोस्, वा पछि सम्झाउने समय रोज्नुहोस्। Android का कारण सूचना ढिला वा नआउन सक्छ। Flutter मा फाइलबाट निजी हिसाब जोडिन्छ; बाझिएका विवरण स्वीकार हुँदैनन्। पुरानो native एपको रिस्टोरले हालको हिसाब बदल्न सक्छ।

हिन्दी में मुख्य बातें

यह ऐप हिसाब रखने का साधन है, बैंक या पैसे भेजने की सेवा नहीं। घरखर्च के लिए साथी को दी गई रकम हस्तांतरण है, परिवार का नया खर्च या आय नहीं। वास्तविक खरीदारी अलग दर्ज करें। साझा खाते के सदस्य उसका हिसाब देख सकते हैं।

याद दिलाना वैकल्पिक है। सूचना हटाना या ऐप खोलना दिन का हिसाब पूरा नहीं करता। पूरा होने की पुष्टि करें, कोई लेनदेन नहीं हुआ चुनें, या बाद में याद दिलाने का समय चुनें। Android से देरी हो सकती है। Flutter में निजी रिकॉर्ड जोड़े जाते हैं; टकराने वाले रिकॉर्ड अस्वीकार होते हैं। पुराने native ऐप में रिस्टोर मौजूदा हिसाब बदल सकता है।

Support, changes and deletion

Contact meroversetechnology@gmail.com for support. Material feature or data-handling changes are described in updated in-app information, release notes and this policy. See the privacy policy and account-deletion tool. Drive backups, manual exports and other-device copies require separate deletion.

Subscription prices and household cash

Monthly and yearly subscription schedules use an explicit Gregorian date; existing legacy bill schedules retain their BS-month due days. Recording a payment requires confirmation and does not charge or cancel a subscription. USD entries use an available rate for that day from Nepal Rastra Bank. Reference rates can differ from actual bank or card charges; if the rate cannot be verified, retry later or record the actual NPR expense.

Household cash is money for spending, not a loan to be collected from your partner. Cash remaining is recorded allocations minus expenses explicitly assigned to that cash. Next-month top-up suggestions subtract the current cash balance from your chosen target and change as expenses are recorded. Concurrent offline changes can create discrepancies after sync; review the records and actual cash together. Private person-to-person loans separately track due dates and repayments. No money moves automatically.

Nepali calendar dates after BS 2083 are provisional. Phone permissions, operating-system scheduling and connectivity affect reminders on both Android and iOS. App lock covers private screens while locked or inactive; after unlocking, screenshots and recordings are permitted.