KadanMuktiTerms of Use
EFFECTIVE — SEPTEMBER 2026 · UPDATED 26 SEPTEMBER 2026
KadanMukti is a calculator and tracker. Its figures are estimates, not financial advice — please read these terms before you use it.
1. What KadanMukti is
A calculator and tracker that helps you understand and plan your loan repayments. It is not a bank, lender or adviser, and it does not give or arrange loans.
2. Estimates only -- not advice
- Every number is an estimate based on what you enter. It is not financial advice and not an official statement.
- Check with your lender before you act. Rates, fees and prepayment charges differ.
- We are not a SEBI-registered adviser. Anything about investing is only an example, not a recommendation.
- Rates shown for banks are indicative and may be out of date.
3. Using the app
You must be 18 or older. Give correct information and keep your password and PIN safe. Do not misuse the app or try to break it. You can delete your account any time in Settings.
4. Your data
Your loan data is yours. We use it only to run the app for you, as explained in the Privacy Policy.
5. Premium
- Free: up to 3 loans plus the calculators and main tools.
- Premium: more than 3 loans, the per-bank Refinancing Optimizer, PDF and Excel export and the rate-change What-If.
- Price: ₹49 a month or ₹499 a year, shown in Google Play before you buy.
- Google Play bills you and renews automatically until you cancel. Cancel any time in Google Play -> Subscriptions and keep Premium until the period ends.
- Refunds follow Google Play rules. Deleting your KadanMukti account does not cancel the subscription.
6. AI answers
AI is optional and uses a provider and key that you add. Its answers can be wrong, so treat them as information only.
7. Other services
The app uses Google Firebase, Google Play, Google Sign-In and RevenueCat. Their own terms apply to their part.
8. Changes and limits
We may change or stop features. The app is provided as it is. As far as the law allows, we are not responsible for decisions you make from the estimates, and our total responsibility is limited to what you paid us in the last 12 months (₹1,000 if you paid nothing). This does not take away rights you have under law, including the Consumer Protection Act 2019.
9. Law
Indian law applies. Courts in Chennai, Tamil Nadu can hear disputes, without taking away your right as a consumer to go to the court where you live.
10. Changes to these terms
We may update these terms and will change the date above when we do. Using the app after that means you accept them.