runi1. Who provides Runi
Runi is provided under the Runipe brand by Auvana Ventures Private Limited ("we", "us"). Support: support@runipe.com. These terms cover the Android and iOS Runi app and are effective from 14 November 2026, version 1.1. Our Privacy Policy explains local record keeping and automatic usage analytics and crash reporting, including opt-out controls. The policies are available at https://runipe.com/privacy/ and https://runipe.com/terms/.
Product specific Runi terms take priority over general website terms for Runi. Mandatory law and applicable app store rights take priority over conflicting provisions.
2. Understanding and accepting the terms
Read these terms before choosing to use Runi. Where acceptance is requested, accept only if you understand and agree. If you do not agree, do not begin using the app; if already using it, protect any records you wish to retain before stopping. Acceptance of these terms is not blanket consent for personal data processing. Automatic Analytics and Crashlytics, their purposes and independent opt-out controls are described in the Privacy Policy. Where a specific notice or consent is required, that requirement applies separately.
Runi has no online account, registration, login or remote identity verification. An optional offline profile is a record on your device, not an account with Runipe.
3. Age and capacity
An adult who can enter a binding contract under applicable law may accept these terms. In India, adulthood generally begins at 18. A person below 18 must not independently enter a contract with us. Any use by a minor must be supervised by a parent or lawful guardian who accepts responsibility where legally permitted. This does not create a verified parental consent service or make a minor's acceptance enforceable.
Runi does not transmit age or identity to us and does not verify a user's age. A local profile age field or an app store age rating does not establish legal capacity or satisfy any legal requirement for verifiable parental consent. Children and parents should read privacy section 10.
4. What Runi does
Runi helps you record and review your own finances: manual accounts and transactions, budgets, goals, bills, journal notes, local reminders, charts and insights. A recorded account or transfer represents a bookkeeping entry. It does not create a bank account or initiate a real transfer.
People & splits records people you name, equal or exact expense shares, money lent or borrowed, and full or partial repayments. It distinguishes your spending from money owed between people. These are your records, not independently verified debts or another person's acceptance of them. Runi does not automatically contact the other person, collect a debt, assess creditworthiness or decide a dispute.
Runi records and calculates finances offline. It has no remote ledger, cloud synchronisation, bank connection, account aggregation or household sharing. Google Analytics and Firebase Crashlytics make network requests for the technical usage and diagnostic purposes described in the Privacy Policy. You can turn either service off in Settings without disabling financial features. It does not automatically fetch balances, exchange rates, messages or transactions. Supported currencies are record keeping choices, not a currency conversion or exchange service.
Insights are deterministic calculations performed on your device using your entries and the app's rules. They are not personalised professional advice. Features may differ by installed version and platform; an unshipped feature or design concept is not a contractual promise.
5. No regulated service or professional advice
Runi is not a bank, payment service, digital wallet, lender, deposit taker, broker or other regulated financial entity. It does not hold, receive, lend, invest or move money, execute payments, or arrange financial products. Entries called accounts, balances, payments or transfers do not change that.
An optional QR slip contains payment instructions based on a UPI ID you enter. Runi does not issue UPI IDs, verify their ownership, open a payment app or confirm a transfer. Payments take place separately through the payer's chosen app and bank. We are not a party to your underlying expense, loan or repayment arrangement and cannot settle, reverse or refund that payment. This describes the feature's limits; it does not remove our responsibility for our own app or any duty that law places on us.
Charts, estimates, summaries, budget alerts and educational content are not financial, tax, investment or legal advice. They do not guarantee savings, returns, tax compliance or payment of a bill. Consult an appropriately qualified professional when needed. Verify important figures against original statements and documents.
6. Cost and future offers
The current Runi app is free and contains no subscriptions or in app purchases. We do not promise that every future product or feature will be free. Any later paid offering would require clear price and applicable terms before purchase and any acceptance required by law or the store. These terms do not authorise a future charge or recurring payment. Device, storage provider or connectivity charges imposed by others are governed by their arrangements with you.
7. Your licence and acceptable use
Subject to these terms and applicable store rules, you may install and use the app on devices you lawfully control for personal record keeping. You retain rights in your entries and files. Entering data does not grant us ownership of it or permission to upload, sell or train models on it.
The app's software, branding, artwork and other protected materials belong to us or their respective licensors. No ownership or brand licence transfers to you. Third party components remain subject to their own licences and notices, available through the app's licences information where provided.
Do not distribute unauthorised copies, impersonate Runipe, infringe others' rights, introduce malicious code, or access another person's records without authority. Do not bypass protections unlawfully. Restrictions do not remove rights that applicable law or a component's licence gives you, including permitted interoperability, accessibility or security research. Report security concerns to support@runipe.com without sending sensitive records.
8. Accuracy, imports and reminders
You control your entries. Check amounts, dates, currencies, selected accounts, categories and opening balances. Results reflect the information entered; they are not independently verified statements.
CSV import reads a file you choose locally. Review mappings, date interpretation, rejected rows and duplicate choices before confirming. The current import supports income and expense rows into one selected account; transfer rows are not imported. A CSV export is a transaction report, not a complete backup, and may not recreate the full ledger on import. Import has no general bulk undo; consider an encrypted backup first.
Bill reminders, People reminders and budget alerts are local notifications. They do not send messages to another person. Permission settings, battery restrictions, device time, operating system limits or an app not being opened can affect their delivery. They are not guaranteed alarms or payment instructions. You remain responsible for actual payments and deadlines.
People, slips and manual confirmation
Check the person, amount, currency and receiving UPI ID before sharing. Use only an ID you are authorised to receive money through. The payer should verify the beneficiary and amount in their payment app and, when unsure, confirm them separately with the intended recipient. A QR image or a recorded balance does not verify identity or payment.
Sharing, cancelling a share, scanning a QR or attaching a bill does not record a repayment. Check your bank or other reliable payment record before confirming receipt. A partial confirmation changes only the selected debt record. Undo requires a reason and keeps the original confirmation and a dated correction locally; it changes bookkeeping and sends no refund. Device recorded times are not independently certified timestamps.
You may share a reviewed text, image or PDF slip through the operating system, with an optional receipt or bill photo. Share only information you have authority to disclose and check the actual preview and recipient. Photos are not automatically redacted or authenticated. Exported slips and attachments are readable outside Runi. Shared copies cannot be updated or revoked; an old QR can still be scanned after a repayment, correction or change of UPI ID. Check the current amount separately before paying again.
Saved slip copies, attachments and correction history help you reconcile your entries. A saved copy does not establish that a message was delivered or money received. Runi does not certify a receipt, determine whether a debt is legally enforceable, or guarantee a record's integrity or admissibility as evidence. Keep original bank records, bills and relevant agreements for any dispute; legal effect depends on the facts and applicable law.
9. Device security and app lock
Runi encrypts its local SQLite database using the pinned chacha20 cipher. The database key is protected using Android Keystore backed storage or Apple Keychain. Encryption reduces risk but cannot protect all data on an unlocked, compromised, rooted or jailbroken device or against every attack.
Optional app lock uses a separate six digit passcode and, if enabled, operating system biometrics. App lock is an access barrier; it does not supply or replace the database encryption key. Biometrics remain with the operating system. Keep your device and app updated and restrict access to the device. Do not enter bank passwords, card security codes or other unnecessary secrets into free text fields.
We cannot remotely unlock your ledger or reset an app passcode, onboarding password or backup passphrase. Do not send any of these to us. Recovery options depend on the available keys, files and installed version.
10. Backups, exports, restore and data loss
The app's private ledger is excluded from automatic OS cloud backup and device transfer by its platform settings. Do not rely on a phone backup or reinstall to restore it. Device loss, damage, key loss, storage failure or uninstalling can make data unavailable permanently.
You can create an encrypted .runi backup with a passphrase and save it to a destination you choose. It includes supported People records, slip snapshots, attached receipt copies and correction history. Protect the file and passphrase separately. We keep no copy and cannot recover a forgotten passphrase. If you choose a cloud backed destination, that provider may upload the file under its own terms; Runi does not operate that service. Backup files can reveal limited format metadata even though their financial content is encrypted.
CSV exports are readable, unencrypted files. Anyone able to open a CSV can read its contents. Keep them secure, check recipients and remove copies you no longer need.
Restoring replaces the current portable ledger after your confirmation. Review the preview and compatibility information. An ordinary restore normally creates an encrypted local safety copy of the previous ledger; the app may explain an option to continue without one when space is insufficient. A recovery restore can set aside the existing encrypted store. A failed operation is designed to preserve existing data, but no software or storage system is infallible. Periodically verify that your backups can be opened before relying on them.
11. Stopping use and Start fresh
You can stop using Runi at any time. There is no online account to close and no remote suspension or deletion of your ledger by us.
Start fresh is not erasure. It starts an empty ledger and keeps the old encrypted database, keys and safety copies on the device, without automatic purging or in app recovery of that set aside data. It resets the profile and app lock, retains selected appearance/accessibility preferences, and cancels Runi reminders. Read the confirmation before proceeding.
Uninstalling normally removes the app's private files according to the OS. Offloading an iOS app can retain data; key store items may survive uninstall. External backups, CSVs, shared slips and photos, cloud copies, trash and recipients' copies are not deleted by uninstalling or Start fresh. See privacy section 9 for the limits of deletion and complete device disposal guidance.
12. Platforms and third parties
Apple, Google, your device manufacturer, keyboard, file provider and any destination you choose operate under their own terms. Store downloads and updates may use the internet independently of Runi. Their services are not supplied by Runi merely because you use them with the app. We remain responsible for obligations that law places on us.
If downloaded from Apple's App Store, these terms are between you and Auvana Ventures Private Limited, not Apple. Use is subject to the applicable Apple usage rules. We are responsible for app support and app related claims to the extent applicable law requires. Apple has no obligation to maintain or support Runi. Any refund or other remedy required under Apple's applicable terms or law remains available; there is currently no app purchase price to refund. Apple and its subsidiaries are third party beneficiaries of the app licence terms and may enforce them. Any applicable mandatory store licence terms also apply.
13. Updates, availability and changes
We may correct errors, update supported OS versions or discontinue future development. We do not guarantee perpetual support, compatibility or uninterrupted operation. Updates are distributed through the relevant store or authorised distribution channel; Runi does not contact an update server itself. Back up before significant updates.
We will identify the version and effective date of revised terms and make material changes clear through an updated bundled notice and/or the public policy page. Because we have no account or contact list for app users, we cannot promise individual email or push notices. A website revision alone does not silently change an installed offline copy or authorise new processing. Where law requires notice or fresh acceptance, we must provide it. Changes do not remove accrued rights.
14. Warranties and liability
We aim to provide a useful and secure app, but do not promise error free calculations, reliable notification delivery, successful recovery in every situation or protection against every threat. Subject to mandatory law, the app is supplied as available and without additional promises about suitability for a particular purpose.
To the extent law permits, we are not responsible for indirect or consequential loss that was not reasonably foreseeable, or for loss caused solely by your unlawful use or an independent event outside our reasonable control. We do not guarantee another person's payment, the correctness of payment details you supply, or the availability of an external bank or payment service. These limits do not exclude liability for our own acts or omissions where applicable law makes us responsible.
Nothing excludes or limits liability for fraud, wilful misconduct, gross negligence, death or personal injury where such exclusion is prohibited, breach of mandatory data protection obligations, or other non excludable liability. Statutory consumer rights and remedies remain available where applicable. The app being free does not turn a limitation into a zero liability cap. These terms impose no blanket indemnity or waiver of consumer complaints.
15. Complaints and contact
For help, privacy requests or complaints, email support@runipe.com. Describe the issue and the outcome you seek. Do not send financial records, passwords or backup passphrases. Mandatory statutory complaint channels and deadlines remain available.
16. Law, disputes and general terms
Indian law governs these terms, subject to mandatory protections applicable to you. You may contact support@runipe.com to seek an informal resolution, without losing legal rights. Disputes may be heard by courts having jurisdiction under applicable law. This does not exclude a competent consumer commission, statutory authority, other court available under mandatory law or an applicable data protection remedy. There is no compulsory arbitration or class action waiver in these terms.
If a provision is unenforceable, the remaining provisions continue so far as law permits. A delay in exercising a right is not a waiver. These terms, applicable store licence rules and any expressly accepted product specific additions govern use of Runi; the privacy policy describes processing rather than supplying blanket consent. No amendment removes your ownership of your records or grants access to a ledger we do not hold.
17. Using this website
These terms also govern your use of runipe.com. You may browse the site and use its information for lawful personal purposes. Do not introduce malicious code, interfere with the site, misrepresent your identity or infringe another person’s rights.
The website, branding, original designs and other content belong to Auvana Ventures Private Limited or their respective rights holders. These terms do not transfer ownership or grant a right to republish or commercially exploit that content. Your own records remain yours.
Product screenshots show example records. “Coming soon” is not a release date or an offer to provide a regulated financial service. Any future payment or online feature requires its own release, terms and approvals.
Links to other sites, stores or an email service are subject to those providers’ terms. We do not control their operation. Mandatory consumer rights and remedies remain available.