Terms of Service

Welcome to No Riba ("Noriba"). These Terms of Service ("Terms") govern your access to and use of our mobile application and web services at noriba.in. Noriba helps individuals track interest-free finances, manage mutual trust records (Qard Hasan), create phone-verified loan agreements, and identify ribā (interest) from bank statements.

By creating an account, accessing agreement links, or using any part of the app, you agree to these Terms. If you do not agree, please do not use Noriba.

Noriba is an ethical personal finance awareness and record-keeping tool. The service allows you to:

• Track personal, interest-free loans (Trust Records / Qard Hasan) between individuals • Generate and share phone-verified agreement links (noriba.in/a/:token) to document loan terms in writing • Upload statement PDFs or optionally connect email to identify ribā and interest charges • Schedule local device reminders for upcoming loan due dates • Visualize your debt-freedom journey on the Road Home dashboard

Important Notice: Noriba is strictly a record-keeping and informational tool. Noriba is not a bank, non-banking financial company (NBFC), lender, broker, escrow service, or payment gateway. Noriba does not hold, lend, transfer, or collect money. Noriba does not guarantee loan repayment or evaluate counterparty creditworthiness.

You must be at least 18 years old and legally capable of entering into binding agreements. You represent that you have lawful authority to upload any statements or record any transactions you enter into the app.

To sync your data across devices, you must sign in via Firebase Authentication (Google sign-in or email and password). You are responsible for safeguarding your account credentials.

If you choose to save statement open passwords, they are encrypted on your device before syncing. Saved passwords are used exclusively to unlock statement PDFs on your device — never for net-banking or financial transactions.

Trust records and agreement links are tools to help private individuals maintain written clarity and mutual accountability. When you create or confirm an agreement via noriba.in/a/:token, you enter into a direct voluntary understanding with your counterparty.

Noriba is not a party to any agreement, loan, or transaction between users. Noriba does not verify the legal validity of private agreements, does not provide escrow or debt collection services, and has no liability for disputes, defaults, or non-payment between individuals.

Noriba is an informational and organizational tool. It is not a substitute for licensed financial advisors, legal counsel, or qualified Islamic scholars.

You are solely responsible for how you manage your debts and how you choose to purify interest gains according to your religious conscience and applicable laws.

Interest amounts and statement summaries are parsed automatically. Parsing accuracy depends on bank statement layouts, PDF quality, and password accuracy. Noriba does not guarantee that reported totals are 100% complete or free from bank formatting errors.

Always verify critical figures against your official bank statements before making financial or religious decisions.

You agree to:

• Use Noriba solely for lawful personal record-keeping and ribā tracking • Provide honest and accurate information in trust records and agreements • Safeguard your account credentials and device access • Not use the service for fraudulent schemes, harassment, or unlawful debt collection • Not attempt to compromise app security, reverse engineer, or bypass authentication

Your use of Noriba is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the app, you agree to the data practices described in our 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: