Terms of Service

1. What the App does

The App helps you record shared expenses, scan receipts, split bills with friends and groups, and track who owes whom. It is a record-keeping tool only: it does not transfer, hold, or collect money between users, and Cortexa is not a bank, payment service, or money transmitter. You settle balances with each other directly, outside the App.

2. Your account

• You must provide a valid email address and keep your 6-digit PIN confidential.
• You must be at least 18 years old.
• You are responsible for activity on your account and for the accuracy of the expenses you enter.
• Only add people to your groups who have agreed to be included.
• You can delete your account in the App (Profile → Delete account) once your bills are settled. The account is switched off straight away and permanently deleted 30 days later; logging in with your PIN before then restores it. During those 30 days the same email cannot be used to sign up again.

3. Free and Pro plans

The App is free to use with monthly limits (for example 1 AI receipt scan, 4 manually entered bills, 20 Snap AI questions, 2 groups of up to 5 members, and 5 payment reminders a month). An optional Pro plan raises or removes those limits and adds full Insights and budgeting and spending advice from Snap AI. Current plans and prices are on our Pricing page.

• On Android, Pro is a one-time payment for 1 month, processed securely by Razorpay. It does not renew automatically and you are never charged again unless you choose to buy Pro again. Cortexa never receives or stores your card, bank, UPI or wallet details.
• On iPhone, Pro is an auto-renewing monthly subscription sold through Apple’s App Store. Payment is charged to your Apple ID at confirmation of purchase, and the subscription renews each month at the same price unless you cancel. Cancel any time in your iPhone’s Settings → your name → Subscriptions, at least 24 hours before the renewal date. Apple handles the payment; Cortexa never receives your payment details.
• The price is shown before you pay (₹99 a month, inclusive of GST).
• Pro starts immediately after a successful payment and lasts until the expiry or renewal date shown in the App.
• Razorpay purchases are final and non-refundable, except for payment errors (duplicate charges, or Pro not activated). Refunds for App Store purchases are handled by Apple under its own policies. See our Refund & Cancellation Policy.
• We may change plan limits or prices in future; changes never affect a Pro period you have already paid for. For iPhone subscriptions, Apple tells you before any price increase takes effect.

4. AI features

Receipt scanning (including long receipts scanned in parts) and the Snap AI chat use artificial intelligence and can make mistakes. Always review amounts, items, and splits before saving. Snap AI is read-only: it cannot change, delete, or settle your bills. Budgeting and spending suggestions from Snap AI are general information based on the bills you entered, not professional financial advice.

5. Acceptable use

You agree not to misuse the App — including attempting to access other users’ data, using payment or reminder features to harass anyone, uploading unlawful content, or reverse-engineering the App. We may suspend or close accounts that break these Terms.

6. Disclaimers and liability

The App is provided “as is”. To the maximum extent permitted by law, Cortexa is not liable for disputes or non-payment between users, for errors in AI-read data, or for indirect or consequential losses. Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim, or INR 1,000. Nothing in these Terms limits rights you have under consumer-protection laws that cannot be waived.

7. Governing law

These Terms are governed by the laws of India and disputes are subject to the courts in Hyderabad, Telangana.

8. Changes and contact

We may update these Terms; significant changes will be announced in the App before they take effect. Questions: support@cortexatech.in — see also our Contact page.