Terms of Service

The rules for using SkyloFin, in plain terms.

Effective Date: September 7, 2026
Last Updated: September 24, 2026

1. Acceptance of Terms

Welcome to SkyloFin. By accessing or using our website (skylofin.com) or the SkyloFin mobile application (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). These Terms are operated by Skylo Digital (a proprietary enterprise registered under MSME Udyam: UDYAM-MH-23-0433200) ("Company", "we", "us", or "our").

If you do not agree with any part of these terms, please do not access or use our Services.

2. Description of Service & Free Access

SkyloFin provides an on-device personal finance management (PFM) platform designed to help users aggregate, parse, track, and budget their daily financial activities.

3. Account Registration & Authentication

To use SkyloFin, you authenticate using your existing Google account. We do not manage or store independent account passwords.

4. Affiliate Links & Partner Products

SkyloFin may surface curated recommendations for financial products (such as credit cards, loans, or savings accounts) provided by verified third-party partners.

5. Data Privacy & On-Device Storage

Your privacy is built into our core architecture:

Refer to our complete Privacy Policy for detailed technical disclosures.

6. User Content & Intellectual Ownership

You retain complete, exclusive ownership of all data, records, and personal entries created within SkyloFin. We claim no ownership over your financial logs or Google Drive files.

7. Prohibited Conduct

When using SkyloFin, you strictly agree not to:

Violation of these rules may result in immediate suspension or deletion of your account.

8. Intellectual Property Rights

All software code, graphic user interfaces, brand trademarks (Skylo, SkyloFin, Skylo Digital), logos, website designs, and documentation belong exclusively to Skylo Digital or its licensors. You are granted a limited, revocable, non-transferable license to use the App for personal, non-commercial purposes.

Some credit card facts on this website, such as fees, reward rates, eligibility and lounge access, come from third-party open data and remain the work of their publishers. Card data is sourced via CardAdvisor.in (India Credit Card Facts), used under the Creative Commons Attribution 4.0 licence. Each page that uses this data credits it. Skylo Digital does not claim ownership of third-party data, and it is provided as published, without warranty.

9. Limitation of Liability

To the maximum extent permitted by applicable Indian laws, Skylo Digital, its proprietor, employees, or agents shall not be liable for any indirect, incidental, punitive, or consequential damages resulting from:

10. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Any legal disputes or claims arising out of or in connection with these Terms or the use of SkyloFin shall be subject to the exclusive jurisdiction of the competent courts in Nashik, Maharashtra, India.

11. Contact Us

For any legal notices, questions, or support inquiries regarding these Terms, please reach out to us:

SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
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