Terms of Service

Welcome to No Riba (Noriba). These Terms of Service ("Terms") govern your access and use of our mobile application, which helps Muslims identify and quantify ribā (interest) received through bank accounts by analyzing statement PDFs that you upload manually.

By creating an account or using any part of the app, you agree to these Terms. If you do not agree, please do not use No Riba.

No Riba is an Islamic finance awareness tool designed to assist you in tracking interest credited to your bank accounts. The app:

• Lets you sign in with Google or email and password • Lets you upload bank statement PDFs manually from your device • Processes statement PDFs on your device using bank-specific interest matchers • Summarizes total, paid, and pending ribā amounts across your uploaded statements • Lets you filter results by date range and mark amounts as paid • Optionally stores encrypted statement PDF open passwords for future uploads

No Riba does not connect to your bank accounts and does not hold, transfer, or manage your money. It does not open bank accounts, provide loans, or offer any financial products.

You must be at least 18 years old and legally able to enter into these Terms. By using No Riba, you represent that you own or have lawful authority to access the bank statements you upload and process through the app.

To sync your data across devices, you must create an account using Firebase Authentication (Google sign-in or email and password). Google sign-in is used only to verify your identity and create your account.

You may sign out at any time. You may delete your account from Account Settings, which removes your stored interest summaries, saved PDF passwords, and authentication record associated with the app.

You are responsible for providing accurate statement PDF open passwords when required to unlock password-protected PDFs. If you choose to save a password, it is encrypted on your device before being stored with your account. Saved passwords are for opening statement PDFs only — not for net-banking, mobile banking, or other account logins.

No Riba is an informational tool, not a substitute for qualified Islamic scholars, financial advisors, accountants, or legal professionals. Calculations and summaries are based on automated parsing of bank statements and may not capture every form of ribā or every transaction in your accounts.

You are solely responsible for determining how to purify unlawful gains, including charity, disposal, or other actions according to your understanding of Islamic law. We encourage you to consult knowledgeable scholars regarding specific rulings on ribā in your circumstances.

Interest amounts are extracted automatically from statement formats provided by banks. Parsing accuracy depends on statement layout, PDF quality, password correctness, bank selection, and bank-specific interest matchers. No Riba does not guarantee that reported totals are complete, exact, or free from errors.

You should verify important figures against your original bank statements before relying on them for religious or financial decisions. Report discrepancies to us so we can improve parsing for supported banks.

You agree to:

• Use No Riba only for lawful personal purposes related to identifying ribā in your own accounts • Maintain the security of your account credentials • Provide accurate information when selecting a bank, uploading statements, and entering PDF open passwords • Not attempt to access data belonging to other users or bypass security measures • Comply with applicable laws

You may not use No Riba to engage in fraud, unauthorized access to third-party accounts, reverse engineering of the service, scraping beyond normal app use, distribution of malware, or any activity that violates Islamic principles of honesty and fair dealing or applicable law. We may suspend or terminate access for violations of these Terms.

Your use of No Riba is also governed by our Privacy Policy, which describes how we collect, use, and protect personal data, including account information, extracted statement summaries, and optional encrypted PDF passwords. By using the app, you consent to data practices described in the Privacy Policy.

No Riba, its logo, design, software, and content (excluding your personal data and bank statements) are owned by us or our licensors and are protected by intellectual property laws. You receive a limited, non-transferable license to use the app for personal, non-commercial purposes in accordance with these Terms.

To the fullest extent permitted by law, No Riba and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, religious non-compliance due to parsing errors, or reliance on incomplete interest calculations.

Our total liability for any claim arising from your use of the app shall not exceed the amount you paid us for the service in the twelve months preceding the claim, or zero if the service is provided free of charge.

You may stop using No Riba at any time by signing out or deleting your account. We may suspend or terminate your access if you violate these Terms, pose a security risk, or if we cease offering the service. Upon termination, your right to use the app ends immediately, subject to any data retention described in our Privacy Policy.

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-law principles. Any disputes arising from these Terms or your use of No Riba will be subject to the exclusive jurisdiction of the courts located in India.

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date below. Material changes may be communicated through the app or by email. Continued use after changes constitutes acceptance of the updated Terms.

If you have questions about these Terms, please contact us at: