Terms of Use

NRI Money Planner, from P. M. Sterling. Effective [date].

1. Your licence

A licence key gives you a personal, non-exclusive right to use NRI Money Planner on up to [3] of your own devices. The app is licensed, not sold, for personal use only. You may not share your key, resell or redistribute the app, reverse engineer it, or host its code on any public website, without our written permission. The app and its code are © 2026 P. M. Sterling. All rights reserved.

2. Not advice

The app is a budgeting and planning tool. Its figures, including exchange rates, investment values and the UK tax estimate, are estimates based on what you enter or fetch, and may be wrong or out of date. It is not financial, investment, tax or legal advice. Check important decisions with a qualified adviser, HMRC or the Indian tax authorities as relevant.

3. Your data and backups

Your data is kept only on your device. If you clear your browser data, lose your device, or forget the password to an encrypted backup, we cannot recover it. Making backups is your responsibility.

4. Other services

Exchange rates come from third-party services, and we cannot promise they will always be available or accurate. Payment and licence keys are handled by Lemon Squeezy.

5. Updates

We may release fixes and improvements. [Updates to the version you bought are free.]

6. Our responsibility

We will provide the app with reasonable care and skill. Nothing in these terms limits your legal rights as a consumer, or any liability that the law does not allow us to limit. Subject to that, we are not responsible for losses caused by decisions you make using the app's figures, or for data you have not backed up.

7. Law and contact

These terms are governed by the law of [England and Wales]. Questions: [your email address].