MORAY by VlightsoftMoray Terms of Use
These terms are an agreement between you and Vlight Software Solutions (“Vlightsoft”), the developer of the Moray app. By creating an account or using Moray you accept them. Our Privacy Policy explains how we handle your data.
1. What Moray is, and is not
Moray is a personal and family money-tracking tool: you record income, expenses, bills, loans, budgets and goals, optionally capture payments from bank messages, and see reports and optional AI insights.
Moray is not a bank, payment service, lender, investment adviser, tax adviser, credit bureau or account aggregator, and it does not move money. “Pay with UPI” only opens a UPI app you choose. Balances, card dues, utilisation, exchange-rate conversions, tax figures and AI insights are estimates built from the data you and your bank messages provide, and can be incomplete or wrong. Always check amounts and due dates with your bank or card issuer before acting on them. A missed or late reminder does not make us liable for fees or interest charged by your bank.
2. Who can use Moray
You must be at least 18 years old and able to enter a contract under Indian law. You are responsible for your sign-in email or Google account and for anything done through your account. Keep your phone and your Moray MPIN secure.
3. Households
The person who creates a household is its owner and may invite members and set their roles. Each entry has a privacy setting that decides what other members can see. Only invite people you trust. If you leave a household, entries you created stay with the household according to their privacy settings; you can delete your own entries before leaving. The owner is responsible for the household's subscription.
4. Your content
You keep all rights to the data you put in Moray. You give us permission to store, process and display it only to provide the service to you and the members you share with (including sending it, masked, to our AI provider when you use AI features). Do not upload anything unlawful, or anyone else's personal data without the right to do so.
5. Bank messages, notifications, contacts, location and voice
These features are optional and need your permission on the phone. You can turn them off at any time. Only turn on SMS or notification capture on a phone whose bank messages belong to you, or that you are allowed to track. Moray never asks for bank passwords, card numbers, CVVs or UPI PINs; anyone who asks for them in Moray's name is not us.
6. AI features
AI features are optional, use AI credits, and produce suggestions that may be wrong. Nothing an AI suggests is saved until you confirm it. Do not rely on AI output for financial, tax or legal decisions.
7. Plans, payments and credits
- Plans (per household): Free ₹0; Plus ₹99 a month or ₹799 a year; Pro ₹199 a month or ₹1,599 a year. Yearly plans may include a 7-day free trial for first-time subscribers; if you do not cancel before the trial ends, you are charged. Google Play shows the final price in your currency before you pay.
- Billing is handled by Google Play under the Google Play Terms of Service. Subscriptions renew automatically until you cancel in Google Play (Moray › Plans › Manage subscription). Cancelling stops the next renewal; you keep the plan until the end of the paid period.
- AI credit packs (100 for ₹49, 500 for ₹199, 1,500 for ₹499) are one-time purchases for the household, valid for 12 months from purchase, not transferable, and have no cash value. Monthly plan credits (Free 25, Plus 150, Pro 1,000) reset each month and do not roll over.
- Referral credits. When a friend signs up with your invite code within 7 days of creating their account, your family gets 30 AI credits and their family gets 30 AI credits once they create or join a family. Up to 10 rewarded referrals per person per calendar year. Referral credits are promotional, have no cash value, and may be withdrawn if they were obtained by misuse (for example, self-referrals or fake accounts).
- Refunds follow Google Play's refund policy; request them through Google Play. If Google refunds or reverses a purchase, the plan or the unused credits it bought are removed.
- A plan or pack is active only after our server has verified the purchase with Google. If verification is delayed, use “Restore purchases”.
- We may change prices for future periods with at least 30 days' notice in the app; existing subscribers are notified by Google Play and can cancel before the new price applies.
- If you downgrade, nothing you recorded is deleted; the lower plan's limits apply from then on (for example, you cannot add accounts beyond the plan's limit until you archive some or upgrade).
8. Acceptable use
Do not misuse the service: no attempts to access other households' data, bypass plan limits or credits, reverse-engineer the server, overload it, resell it, or use Moray for anything unlawful (including money laundering or fraud). We may suspend accounts that do so.
9. Availability and changes
We work to keep Moray available and your data safe, but the service is provided “as is” and may be interrupted for maintenance or for reasons outside our control. Features may change; we will not remove a paid feature during a period you have already paid for without a pro-rata remedy. Keep your own copy of important records (Me › Privacy and data › Export my entries).
10. Liability
To the extent the law allows, we are not liable for indirect or consequential losses, lost profits, bank fees, interest or late charges, or decisions you make based on the app. Our total liability for any claim is limited to the amount you paid for Moray in the 12 months before the claim. Nothing in these terms limits rights you have under the Consumer Protection Act, 2019 or other laws that cannot be excluded.
11. Ending the agreement
You can stop using Moray and delete your account at any time (Me › Privacy and data › Delete my account, or vlightsoft.com/moray/delete-account). Deleting the app or the account does not cancel a Google Play subscription; cancel it in Google Play first. We may end or suspend accounts that break these terms, after notice where reasonable.
12. Law and disputes
These terms are governed by the laws of India. Please contact us first at admin@vlightsoft.com; most issues can be solved quickly. Disputes are subject to the courts with jurisdiction over Vlightsoft's registered office in India, without affecting your right to approach a consumer commission.
13. Changes to these terms
We will notify you in the app at least 15 days before material changes take effect. Continuing to use Moray after that means you accept the new terms.
14. Contact
Vlight Software Solutions (“Vlightsoft”), India · admin@vlightsoft.com