Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Riloma mobile application, website, and related services that link to these Terms (together, the "Services"). The Services are provided by Nilant Solutions, doing business as Riloma ("Riloma," "we," "us," or "our").

By creating an account, purchasing a plan, or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. What Riloma does

Riloma is a shared-expense utility. It helps users create groups, record and split expenses, track balances, record reimbursements and settlements, scan receipts, maintain shared-cash records, and view spending information. Riloma does not directly hold, transmit, transfer, or move money between users. A balance, wallet, reimbursement, or settlement recorded in Riloma is a record of what users enter into the Services unless Riloma expressly launches a separate regulated payment service and provides separate terms for it.

Riloma is not a bank, payment institution, money transmitter, accountant, tax adviser, financial adviser, debt collector, or escrow service. Users remain responsible for deciding whether an expense, balance, payment, reimbursement, or settlement is correct and for making any real-world payment outside Riloma.

2. Eligibility and age

Riloma is a general-audience service and is not directed to children under 13. You must be at least 13 years old to create an account or use the Services.

If the law where you live requires you to be older to enter into these Terms, to consent independently to a particular form of data processing, or to use a particular feature without the authorization of a parent or guardian, that requirement also applies. If parental or guardian authorization is required by applicable law, you may use the relevant part of the Services only after that authorization has been obtained.

By using the Services, you represent that you meet the age and authorization requirements that apply to you.

3. Your account

You must provide accurate account information and keep it reasonably up to date. You are responsible for maintaining the confidentiality of your password and for activity that occurs through your account, except to the extent caused by Riloma or otherwise provided by applicable law.

If you believe that your account has been compromised, contact us promptly. We may require reasonable identity verification before restoring access, changing important account information, or processing a deletion request.

Riloma may support login through email or phone number with a password, Sign in with Apple, and Google Sign-In. Your use of a third-party sign-in service is also subject to the terms of that provider.

4. Groups and shared records

Riloma is collaborative. Information that you add to a shared group may be visible to other members of that group. Group members may add, edit, comment on, settle, export, screenshot, or otherwise interact with shared information depending on the features and permissions available in Riloma.

You should only add people you intend to share the relevant group information with. Riloma cannot control what another member does with information after that member lawfully receives or independently copies it.

If you leave a group or delete your account, shared records may remain where needed to preserve the expense history and balances of other group members. We may remove, minimize, or de-identify account-specific information where appropriate, as described in the Privacy Policy.

5. Your content and ownership

You retain ownership of the information and content you submit to Riloma, including expense descriptions, receipts, notes, images, files, group information, location information you choose to attach to an expense, and other content you create or upload ("User Content").

You grant Riloma a limited, worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, display, format, back up, and otherwise use your User Content only as reasonably necessary to:

• Provide, maintain, secure, and improve the Services.

• Display shared information to the people with whom you choose to share it.

• Process receipts and provide AI-assisted features you use.

• Provide support, prevent fraud and abuse, and protect Riloma and its users.

• Comply with law and enforce these Terms.

• Create aggregated or de-identified information as described in these Terms and the Privacy Policy.

This license is not a right to sell your identifiable private expense records, receipt contents, balances, or settlement history to advertisers or data brokers. The license continues only for as long as reasonably needed for the purposes above, subject to backup, legal-retention, shared-record, and de-identification requirements.

You represent that you have the rights and permissions needed to upload User Content and that your User Content does not unlawfully infringe another person's privacy, intellectual property, or other rights.

6. Feedback

If you send us ideas, suggestions, product feedback, or feature requests, you give Riloma permission to use that feedback without restriction or payment to you. This paragraph applies to feedback about Riloma, not to your private expense data or other User Content.

7. Artificial intelligence features

Riloma may use artificial intelligence to scan receipts, suggest group or expense types, produce spending insights, or assist with other features. AI-generated results can be incomplete, incorrect, or unsuitable for your specific situation. You are responsible for reviewing important amounts, dates, categories, descriptions, splits, and other information before saving or relying on them.

AI features may be processed by third-party AI service providers as described in the Privacy Policy. Riloma may apply usage limits, fair-use rules, plan restrictions, or separately purchased usage credits to AI features. Any limits or charges that apply will be shown in the app or purchase flow.

8. Free service and paid features

Riloma may offer a free version and one or more paid plans, add-ons, or premium entitlements. Features, limits, storage, AI usage, archive access, advertising treatment, and other benefits may vary by plan. The current features and price of a paid offering are shown before purchase.

We may add, remove, or change free or paid features over time. If a change materially affects a paid subscription, we will provide the notice required by applicable law and the applicable app store.

9. Riloma Pro subscriptions and 14-day free trial

Riloma offers a 14-day free trial of Riloma Pro to new subscribers, subject to the eligibility rules of the applicable app store and any eligibility information shown at checkout. The purchase screen will display the subscription price, billing period, trial duration, and renewal terms before you confirm the subscription.

Unless you cancel before the free trial ends, the subscription automatically converts to the paid subscription shown at checkout and renews for the stated billing period until canceled. The Apple App Store or Google Play, as applicable, charges the payment method associated with your store account according to its billing rules.

You can cancel through the subscription-management tools provided by the Apple App Store or Google Play. Cancellation stops future renewal. Unless the applicable app store or law provides otherwise, you normally keep access to the paid features through the end of the current trial or paid period.

Uninstalling Riloma does not automatically cancel a subscription.

10. Other premium purchases and Group Premium Entitlements

Riloma may offer one-time purchases, time-limited premium access, usage credits, scan packs, or premium benefits that apply to a selected group or selected members of a group. In these Terms, a paid or promotional premium benefit assigned to a group or group members is called a "Group Premium Entitlement." This is a legal description and may not be the product name shown in the app.

The purchase screen or product description will state the benefits, duration, member capacity, renewal terms, transfer or reassignment rules, and other material conditions that apply to a Group Premium Entitlement. A group-level entitlement does not automatically give the purchaser or every group member all features of an individual Riloma Pro subscription unless the product description expressly says so.

When a Group Premium Entitlement expires, is canceled, or is moved according to its stated rules, premium-only functionality may end. Existing expense records are not deleted solely because the entitlement ends, although access to premium-only tools, storage, archive, export, AI capacity, or other benefits may change as disclosed in the product.

11. AI usage credits and other consumable purchases

Riloma may sell additional AI usage, receipt-scan capacity, or other consumable digital benefits. Unless the purchase screen says otherwise, consumable benefits are tied to the purchasing Riloma account, have no cash value, cannot be transferred or resold, and do not automatically renew. Any expiration or special use condition will be disclosed before purchase.

12. Purchases, billing, and taxes

Digital purchases made within the iOS or Android app are processed through the Apple App Store or Google Play unless another billing method is expressly permitted by applicable law and the relevant app-store rules. The amount charged, currency, tax treatment, and payment method are controlled by the applicable purchase flow and store account.

You authorize the applicable app store or permitted payment provider to charge the price shown at purchase, together with any applicable taxes or fees. Riloma may change prices for future purchases or renewal periods, subject to applicable law and app-store requirements.

13. Refunds

Except where required by applicable law or the policies of the Apple App Store or Google Play, purchases are final and non-refundable. Riloma does not independently process refunds for purchases made through the applicable app store. Any refund request for an App Store or Google Play purchase is handled according to the refund policies of that app store.

If an app store or payment provider cancels, reverses, or refunds a purchase, Riloma may remove or adjust the related subscription, credits, or premium entitlement to reflect the transaction status.

14. Advertising, sponsored content, and affiliate relationships

Free or other versions of Riloma may include advertising, sponsored content, or promotional placements. Some advertising may be personalized where permitted by law and only after any consent or platform permission that is required. If personalized advertising is not permitted or you do not grant a required permission, Riloma may show non-personalized, contextual, or limited ads instead.

Riloma does not use your private expense descriptions, receipt contents, individual expense amounts, balances, settlement history, who owes whom, private group-member information, private notes, or specific expense locations to personalize third-party advertisements.

Riloma may receive payment, referral fees, commissions, or other compensation from advertisers or business partners. Sponsored or affiliate content will be identified where required by law or platform rules. Riloma does not guarantee or endorse a third-party product merely because it is advertised or linked through the Services.

If you see an advertisement that appears inappropriate or age-inappropriate, you may use any report control supplied with the advertisement or contact us so that we can review the issue with the advertising provider.

15. Aggregated and de-identified information

Riloma may create aggregated or de-identified statistics, benchmarks, trends, and other information from use of the Services. We may use this information for analytics, research, product development, service improvement, security analysis, and business planning.

Where permitted by applicable law and app-platform requirements, Riloma may also provide aggregated or de-identified reports, benchmarks, or trend information to research or business partners. Such information must be designed so that it does not reasonably identify an individual user, account, group, household, or specific transaction. Riloma will not knowingly represent information as de-identified and then attempt to re-identify it.

16. Acceptable use

You may use Riloma only for lawful purposes and in a way that does not harm the Services or other users. You must not:

• Access another person's account without permission.

• Use Riloma to harass, threaten, defraud, impersonate, or unlawfully harm another person.

• Upload malicious code, attempt to disrupt the Services, bypass security controls, or interfere with normal operation.

• Use automated scraping, bots, or data-extraction tools to access the Services except with our written permission or where applicable law does not allow us to restrict that activity.

• Reverse engineer, decompile, or attempt to derive source code except to the extent applicable law expressly allows it.

• Use Riloma or data obtained through Riloma to build a competing database, service, or product without our permission, except where applicable law provides otherwise.

• Upload content that you do not have the right to use or that violates law, privacy, confidentiality, or intellectual-property rights.

• Use the Services to send spam or unauthorized commercial communications.

• Circumvent plan limits, purchase rules, premium entitlements, or technical restrictions.

17. Riloma intellectual property

Riloma and its software, design, code, branding, trademarks, logos, documentation, and other content provided by us are owned by or licensed to Nilant Solutions and are protected by applicable intellectual-property laws. These Terms give you a limited, non-exclusive, non-transferable, revocable right to use the Services for their intended purpose. They do not transfer ownership of Riloma intellectual property to you.

You may not copy, sell, license, distribute, modify, or commercially exploit Riloma intellectual property except as allowed by these Terms, by written permission, or by applicable law.

18. Third-party services

Riloma may rely on or link to services provided by third parties, including Apple, Google, AI providers, cloud providers, authentication providers, advertising providers, and other partners. A third-party service may be governed by its own terms and privacy policy. We are not responsible for the independent acts, availability, content, or policies of third-party services that are outside our control.

If you choose to buy a third-party product or service through a link or advertisement, that transaction is between you and the third party unless Riloma expressly states otherwise.

19. Privacy

Our Privacy Policy explains how we collect, use, share, and protect personal information. It is incorporated into these Terms. If these Terms and the Privacy Policy address the same privacy matter differently, the Privacy Policy controls for the handling of personal information, except where applicable law requires otherwise.

20. Service availability and changes

We work to keep Riloma available and reliable, but we do not guarantee uninterrupted or error-free operation. Maintenance, outages, third-party failures, network problems, device limitations, security events, or other circumstances may affect the Services.

We may modify, suspend, or discontinue a feature or part of the Services. Where a change materially affects an active paid service, we will provide notice or other rights where required by applicable law or the applicable app store.

21. Data accuracy and settlements

Riloma calculations depend on information entered by users and on product rules such as currencies, split methods, and rounding. Although we aim to calculate balances accurately, users are responsible for reviewing records before acting on them.

A settlement recorded in Riloma is evidence of what a user recorded in the app. It is not proof that money actually changed hands. Disputes between users about an expense, debt, reimbursement, or payment are primarily matters between those users.

22. Disclaimers

To the maximum extent permitted by law, the Services are provided on an "as available" and "as is" basis. We do not promise that Riloma will be uninterrupted, error-free, or suitable for every purpose, or that every user-entered or AI-generated record will be accurate.

Nothing in these Terms excludes warranties, guarantees, or consumer rights that cannot lawfully be excluded or limited.

23. Limitation of liability

Nothing in these Terms limits liability that cannot legally be limited, including liability arising from fraud or any other liability that applicable law requires to remain unrestricted.

To the maximum extent permitted by law, Nilant Solutions and its directors, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost business, or loss of data arising from the Services, where such exclusion is lawful.

To the maximum extent permitted by law, our total liability for claims arising out of or relating to the Services will not exceed the greater of the amount you paid to Riloma for the Services during the 12 months before the event giving rise to the claim or USD 100. This limitation does not apply where applicable law requires a different result.

24. Your responsibility for unlawful use

If your unlawful use of the Services, your material breach of these Terms, or User Content you had no right to provide causes a third-party claim against Nilant Solutions, you are responsible for the resulting losses, costs, and reasonable legal expenses to the extent permitted by law and to the extent caused by your conduct. This section does not require a consumer to indemnify Riloma for Riloma's own negligence, unlawful conduct, or breach of these Terms.

25. Suspension and termination

You may stop using Riloma at any time and may request account deletion as described in the Privacy Policy.

We may restrict, suspend, or terminate access when reasonably necessary to protect users or the Services, investigate fraud or abuse, comply with law, address non-payment or reversed purchases, enforce these Terms, or respond to a material security risk. Where appropriate and legally required, we will provide notice and a reasonable opportunity to address the issue.

Sections that by their nature should continue after termination, including ownership, User Content rights needed for retained shared records, payment obligations, disclaimers, limitations of liability, dispute provisions, and applicable privacy obligations, will continue to apply.

26. Changes to these Terms

We may update these Terms as Riloma changes or as legal requirements change. We will update the effective date at the top. If a change materially affects your rights or an active paid service, we will provide additional notice where required by law. If applicable law requires consent to a change, we will ask for that consent.

Your continued use of the Services after revised Terms take effect means that the revised Terms apply to future use, except where applicable law requires another form of acceptance.

27. Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict-of-law rules, except that mandatory consumer-protection, privacy, or other rights available to you under the law of your place of residence remain unaffected where those rights cannot lawfully be waived.

Before starting formal proceedings, you and Riloma agree to make a reasonable effort to resolve a dispute informally by giving the other party written notice and allowing up to 30 days for a response, unless urgent relief is reasonably required.

Subject to any mandatory jurisdiction rights that apply to you, courts with jurisdiction in Vadodara, Gujarat, India will have jurisdiction over disputes arising from these Terms or the Services.

28. App-store terms

If you download Riloma through the Apple App Store or Google Play, your use of the app is also subject to the applicable app-store terms and usage rules. The app store is not responsible for Riloma except to the extent its own terms or applicable law provide otherwise.

For an iOS version obtained through the Apple App Store, you acknowledge that these Terms are between you and Nilant Solutions, not Apple. Apple is not responsible for providing maintenance or support for Riloma. Apple and its subsidiaries may be third-party beneficiaries of the mobile-app-license provisions of these Terms to the extent required by Apple's applicable terms.

29. General terms

If a provision of these Terms is found unenforceable, the remaining provisions continue in effect, and the unenforceable provision will be interpreted or limited to the extent necessary to make it enforceable where the law allows.

Our failure to enforce a provision is not a waiver of that provision. You may not transfer your account or your rights under these Terms without our permission, except where applicable law provides otherwise. We may transfer these Terms as part of a merger, reorganization, sale of assets, financing, or similar business transaction.

These Terms, together with the Privacy Policy and any specific purchase terms shown at the time of purchase, form the agreement between you and Riloma regarding the Services.

30. Contact us

For questions, technical support, or help with the Services, contact:

Nilant Solutions
Vadodara, Gujarat, India
Support email: askcs@riloma.com
Privacy questions and privacy requests: privacy@riloma.com
Website: https://riloma.com/