By tapping I Agree in WhatsApp or checking the consent box in the portal, you confirm that you have read, understood, and agree to these Terms. If you do not agree, do not use the Service.
The Service is operated by eMunimJi ("we", "us"). For any privacy concern, complaint, or rights request, contact our Grievance Officer:
+91-9845877915Grievance Officer responds within 7 business days as required by India's Digital Personal Data Protection Act 2023 (DPDP).
| Category | Data | Purpose |
|---|---|---|
| Identifier | Phone number (E.164) | Primary account key — cannot be optional |
| Identifier | Display name | Per-message attribution and reports |
| Content | WhatsApp messages you send to us | Ledger entry creation, queries, recall |
| Content | Voice clips (Paid only) | One-time transcription, then deleted |
| Content | Photos (Paid only) | One-time OCR, then deleted |
| Financial | Ledger entries (your typed amounts, categories) | Bookkeeping you asked us to do |
| Financial | Investment holdings you record | Portfolio queries, forecast, benchmark |
| Operational | Workspace name and IDs | Routing messages to the right ledger |
| Operational | Member roster (phones, names) for workspaces you bring us into | Per-member attribution and limits |
eMunimJi never sells your data. The following processors handle data on our behalf, each bound by a Data Protection Agreement:
| Processor | Purpose | Country | Tier |
|---|---|---|---|
| Meta WhatsApp Cloud API | Inbound + outbound messaging | US/EU | All |
| OpenAI | AI categorisation + voice transcription | US | Paid only |
| Razorpay | Payment processing | India | Opt-in only |
| Google Sheets | Tenant-owned spreadsheet sync | US | Opt-in only — you grant Service Account access |
Your activity keeps your account alive. Retention timeline:
| Status | Days since last activity | What happens |
|---|---|---|
| Active | 0 – 89 | Full access; all features as per your tier |
| Re-engagement DM | 90 | "We miss you" reminder — type any message to reset |
| Archive warning | 180 | "Data archive in 30 days" warning DM |
| Final warning | 210 | Last 14-day warning DM |
| Soft archive | 365 | Workspaces inactive; encrypted bank/folio/policy fields deleted; restore until day 540 |
| Anonymise | 540 | Phone replaced with opaque token; restore no longer possible |
| Hard delete | 730 | All per-tenant data removed from primary storage |
You can pause (pause), restore (restore), or fully delete (delete my data) at any time via WhatsApp DM. After hard delete we retain only consent + retention audit rows (with opaque tenant IDs only).
my data for an exportdelete my dataexport for JSON / Exceldelete my datapause · resume with restoreErasure is irreversible. After anonymise, your data cannot be recovered even if you re-sign-up — that creates a fresh account.
eMunimJi is NOT a SEBI-registered investment adviser. All investment outputs — invest forecast, peer-comparison, smart Q&A — are information only:
For actual investment advice, consult a SEBI-registered investment adviser (sebi.gov.in).
By signing up, you opt in to receive transactional and operational DMs:
Opt out anytime: pulse off (monthly pulse only) · STOP (all DMs, account pauses) · delete my data (full erasure).
Outbound DMs honour WhatsApp's 24-hour session window. We do not send marketing templates without your prior opt-in.
| Tier | Trial | Price | Refund |
|---|---|---|---|
| Free | Permanent | ₹0 | n/a |
| Paid (Household) | 30 days | ₹100/month | Pro-rated within 7 days of charge |
| Paid (Business) | 30 days | ₹250/month | Pro-rated within 7 days of charge |
| Paid (Society) | Variable | ₹50/flat/month (min 10 flats) | Per society subscription terms |
Each workspace is independently Free or Paid, priced by workspace type. Trial expiry auto-downgrades the workspace to Free with a grace period; all data is preserved during grace. After grace, the soft-archive timer begins per §5.
The Service is provided "as is". eMunimJi is not liable for:
To the extent permitted by law, our aggregate liability is capped at the fees you have paid us in the last 12 months.
The Service is not intended for users under 18. By tapping I Agree (18+) you confirm you are 18 or older. If we discover an under-18 account, we will hard-delete it immediately.
Society subscriptions involve processing resident data (phone numbers, billing entries, visitor logs). When the Society treasurer / admin signs up:
STOP (does not remove them from billing rolls — that is the treasurer's responsibility under society bye-laws)| Basis | Applies to |
|---|---|
| Consent | Onboarding, voluntary feature use, portal access |
| Contract | Paid Pro / Enterprise / Society subscriptions |
| Legitimate use | Society resident awareness DMs, group-member message attribution |
| Legal obligation | Tax / audit logs retained beyond user request as required by law |
When we update these Terms, existing tenants receive a re-consent prompt within a 14-day grace window. During grace, all features keep working. After grace, Paid features lock until you re-accept; basic features remain available for another 60 days. After 90 days of silence + non-acceptance, treated as withdrawn consent → anonymise + 30-day hard-delete.
These Terms are governed by Indian law. Disputes are subject to the exclusive jurisdiction of the courts of (insert city), India. We attempt good-faith resolution via the Grievance Officer before any court action.
For any question or rights request, write to the Grievance Officer (§1). For technical issues, DM help in WhatsApp.
This document is the canonical legal text. The web-rendered version (this page) is generated from docs/TermsAndConditions.md in the eMunimJi repository. The summary in the welcome DM is abridged; in case of conflict, this document prevails.