Last updated: May 19, 2026
By using Extrack (“the Service”), you agree to these Terms. If you do not agree, do not use the Service.
Extrack is software for recording your own transactions and balances in a structured way. You enter the data. We host it on a major cloud provider, store it encrypted at rest, and show you views built from what you saved.
The Service does not connect to banks, brokers, lenders, or government systems. It does not download live prices, statements, or official payoff amounts. Anything you see on screen is derived from information you (or someone with access to your account) entered or imported according to our product rules. We are not a bank, broker, lender, exchange, payment institution, accountant, tax adviser, or investment adviser.
Extrack is not a bank, broker, lender, accountant, or financial adviser. Nothing in the app is tax, legal, investment, or debt advice. If you need guidance for your situation, speak to a qualified professional who can review your real records.
Net worth, monthly spend, category totals, “top” lists, scheduled or forward looking amounts, and any other totals or summaries in the Service are illustrative. They are calculated from your entries and settings only. They are not audited, verified, or guaranteed to match your real world finances.
If you skip transactions, round numbers, or work from old balances, the app cannot fix that. Rounding, timing, and display choices can also make small differences between what you expect and what the screen shows.
Investment accounts in Extrack hold only what you record. The Service does not provide live market values, fund NAVs, stock quotes, or performance analytics tied to real markets.
Loan balances, credit limits, amount owed, due dates, and similar fields reflect what you entered or what the ledger infers from your activity. They are not synchronized with your bank or card issuer. They may disagree with your actual payoff amount, APR, fees, or statement dates.
Before you make a payment or a major decision, confirm numbers with your lender or card company directly.
You are responsible for:
Data you save in Extrack is encrypted at rest on our cloud provider; access is scoped to your signed-in workspace, and any read from outside that path raises an alert in our monitoring. We do not use your finance data for advertising or to train shared models.
We do not, however, guarantee any specific level of security and we cannot promise that no incident will ever occur. Where the law permits, the limits in sections 10 and 11 apply.
The full security write-up is at docs/SECURITY.md.
We may offer a free tier and paid Premium or VIP plans. As of these Terms, the published one month list prices in INR are ₹79 (Premium) and ₹99 (VIP). Longer periods may show a bundle total at checkout. The amount you pay is what the payment screen shows before you confirm.
Payments are processed by Razorpay, a third party gateway. You can start checkout in two ways: in-app from Profile → Plan & billing, or via the pre-registration checkout on the landing page where you can pay before a sign-in account exists. In the pre-registration flow we collect an email address and pass it (plus pricing context) to Razorpay; if payment confirms we provision the account on the email you provided and send a sign-in link. If you abandon checkout we retain the email only long enough to honour Razorpay reconciliation and (if you opted in) to send retry reminders. Their terms and privacy policy apply to how they handle card and mandate data.
We do not store your full card number. We receive identifiers and status from Razorpay so we can apply the right plan to your workspace.
You may request cancellation (including cancel at end of period where available) from Plan & billing when a paid subscription is on file. Refunds and disputes follow Razorpay's rules and the law.
Every new account starts on a 30-day free trial with VIP-tier feature parity. No card is required to begin. The trial start and end dates are recorded on your workspace billing record and surfaced in Profile → Plan & billing.
When the trial ends, the workspace automatically moves to a read-only post-trial state: your existing data remains accessible (browsing, reports, exports), but adding new transactions, recurring items, planned items, budgets, and other write actions are blocked until you start a paid plan. Upgrading restores write access without affecting your historical data. We may send reminder emails before and after trial expiry; you can opt out of reminders under Profile.
We may change the trial duration, eligibility, or feature set for future signups. Changes do not apply retroactively to a trial already in progress.
We send transactional emails (verification, magic-link sign-in, payment receipts, plan changes, quota warnings, card-expiring reminders) that you cannot fully opt out of while your account is active, because they carry information you need to keep using the Service. We also send lifecycle emails (verify-your-email nudge, first-account / first-transaction nudges, dormancy reminders) and may occasionally send policy-update broadcasts when we materially change these Terms or our Privacy Policy.
Every email includes a one-click unsubscribe link and a List-Unsubscribe header so your mail client can also honour it. Granular preferences (including the optional new-device sign-in alert) live under Profile. We log delivery, bounce, and complaint events from our email vendor and may suppress further sends to addresses that reject our mail.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER 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, uninterrupted, or free of harmful components. We do not warrant that any number or chart in the app is accurate for your real life situation.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EXTRACK, ITS OWNERS, OPERATORS, AFFILIATES, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.
IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED INDIAN RUPEES (₹100), EXCEPT WHERE THE LAW DOES NOT ALLOW SUCH A CAP.
YOU USE THE SERVICE AT YOUR OWN RISK. WE ARE NOT RESPONSIBLE FOR ANY DECISION OR OUTCOME YOU MAKE BASED ON INFORMATION SHOWN IN THE APP, INCLUDING FINANCIAL, TAX, INVESTMENT, OR DEBT DECISIONS.
Without limiting the above, and to the maximum extent permitted by law, we are not responsible for:
You may request deletion of your account and data. For the current product, follow the instructions on the Profile page and in the Privacy Policy. When deletion completes, your identity and workspace records are removed from our systems as described there.
We may suspend or terminate access for abuse, illegal use, or risk to the platform.
The Extrack name, branding, and software are owned by their respective owners. You keep ownership of the content you enter. We do not claim ownership of your financial data.
We may update these Terms. The date at the top of this page shows when they were last revised. If you keep using the Service after a change, that use means you accept the updated Terms. For material changes we will try to give notice in the app when practical.
These Terms are governed by the laws of India, without regard to conflict of law rules. Subject to applicable law, courts in Bengaluru, Karnataka, India have exclusive jurisdiction over disputes arising from these Terms or the Service.
If one part of these Terms is invalid, the rest stays in effect to the fullest extent allowed.
Questions about these Terms: legal@myextrack.com
Billing and checkout support: support@myextrack.com