Terms of Service

1. Eligibility

You must be at least 18 years old and capable of entering into a binding contract under Indian law to use Zenidhi. By using the app you confirm that you meet this requirement.

2. What Zenidhi is, and isn't

Zenidhi audits the rewards on your credit cards. It reads your bank's transaction alerts and card statements, recomputes what each transaction should have earned under the card's published reward rules, and shows you what you missed and which card in your wallet would have earned more. It also lets you record your own spending and split expenses with others.

Zenidhi is not a bank, card issuer, payment service, lender, deposit-taker, or investment adviser, and nothing in the app or on this website is financial, investment, tax, or legal advice. We are not paid by any bank or card issuer, and naming a card is not a recommendation to apply for it.

Reward figures, missed-reward amounts, and card comparisons are estimates. They are based on our reading of each bank's published terms and on the emails and statements available to us, and banks change their terms, sometimes at short notice. Your bank's own statement and terms are authoritative; where they differ from Zenidhi, the bank is right. We do not guarantee any reward, and you are responsible for your own financial decisions.

3. Your account

You sign in with your mobile number and a one-time code. You are responsible for keeping access to your number and device secure, and for the activity under your account. Tell us promptly if you suspect unauthorised use.

If you connect Gmail, you grant Zenidhi read-only access on Google's own consent screen. We use it only to find and read transaction alerts and statements from the banks we support, as set out in our Privacy Policy and on our Security page. You can disconnect it at any time in the app or from your Google account; doing so stops new reads.

4. Acceptable use

You agree not to misuse the service, including attempting to break, overload, reverse-engineer, or gain unauthorised access to it, uploading unlawful content, or using it to infringe others' rights. You will only connect a Gmail account that is yours, and only add data you are entitled to add (for example, contact details used for bill-splitting).

5. Your data

Your data remains yours, both what you enter and what we read from your connected mailbox. We handle it as described in our Privacy Policy. You can export or permanently delete your data at any time; see account deletion.

6. Service availability & changes

We work to keep Zenidhi available and improving, but we provide it on an "as is" and "as available" basis and may add, change, or remove features over time. We may suspend or discontinue the service, and we will give reasonable notice of material changes where practical.

7. Limitation of liability

To the maximum extent permitted by law, Zenidhi is not liable for any indirect, incidental, or consequential loss, or for financial decisions you make using the app. Nothing in these terms limits liability that cannot be excluded under applicable law.

8. Termination

You may stop using Zenidhi and delete your account at any time. We may suspend or terminate access if you breach these terms or use the service unlawfully.

9. Grievances & governing law

For any complaint, please first contact our Grievance Officer at support@zenidhi.com; we aim to resolve grievances within the timelines required under the Consumer Protection (E-Commerce) Rules, 2020. These terms are governed by the laws of India, and the courts of India have jurisdiction.

10. Changes to these terms

We may update these terms from time to time. Material changes will be reflected by a new effective date and, where appropriate, we will ask you to accept the updated terms in the app.