Terms of Service
Effective date: 23 July 2026
1. Acceptance of terms
These Terms of Service ("Terms") govern your access to and use of the MunshiJi mobile app and related services (the "Service"), operated by Hamza Shahid Bhatti. By creating an account or using the Service, you agree to be bound by these Terms and by our Privacy Policy.
2. Using MunshiJi
MunshiJi helps you log expenses, track budgets, and get general financial and investment information. It is a personal finance tool, not a licensed financial advisor, brokerage, or bank — nothing in the app should be treated as individualized investment, tax, or legal advice.
3. Eligibility
You must be at least 18 years old to create an account and use the Service. By using MunshiJi, you confirm that you meet this requirement and that the information you provide is accurate.
4. Investment guidance
Halal investing guidance and risk-profile recommendations are provided for informational purposes only. We do not execute trades on your behalf, we are not a broker-dealer or investment adviser, and you're solely responsible for your own investment decisions.
5. Account & access
Your account is verified using the phone number linked to it via Firebase Phone Authentication. You're responsible for keeping access to that phone number secure, since it's used to verify your identity at login, and for all activity that occurs under your account. Notify us immediately at swairarshad1@gmail.com if you suspect unauthorized access.
6. Acceptable use
You agree not to misuse the Service — including attempting to access another user's account, reverse-engineering the app, submitting unlawful or abusive content through the chat or voice features, or using the Service in a way that could disable, overburden, or impair it.
7. Disclaimer of warranties
The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, or uninterrupted availability. We do not guarantee that expense parsing, budgeting suggestions, or investment guidance will be error-free.
8. Limitation of liability
To the fullest extent permitted by law, Hamza Shahid Bhatti will not be liable for any indirect, incidental, or consequential damages — including financial losses arising from decisions made using information or guidance provided by the Service.
9. Termination
You may stop using the Service and request account deletion at any time. We may suspend or terminate your access if we reasonably believe you've violated these Terms or misused the Service.
10. Governing law
These Terms are governed by the laws of Pakistan, without regard to conflict-of-law principles, unless a different law is required to apply by your local regulations.
11. Changes
We may update these Terms from time to time. If we make material changes, we'll update the effective date above and, where appropriate, notify you in the app. Continued use of the Service after a change means you accept the updated Terms.
12. Contact
Questions about these Terms can be sent to swairarshad1@gmail.com.
AI-generated content: MunshiJi uses AI — including voice transcription and a language model (Google Gemini) — to read your expenses, answer questions, and suggest budgets or investments. AI can misunderstand input or get things wrong. Always double-check amounts, categories, and any investment suggestion before relying on it. Nothing MunshiJi says constitutes financial, investment, tax, or legal advice.