Terms & Conditions

  1. Agreement
  2. This Agreement forms the entire agreement between Paisa Manager Pvt. Ltd. ("PaisaManager" "us" "we" "our" "Licensor") and Users ("you") under which Paisa Manager provides services via Software through www.paisamanager.com ("site") and through the Paisa Manager mobile device application ("app"), both in iOS and Google Play Store. By accessing, installing, copying or otherwise using the Software, Users ("you") agree to be bound by these terms and conditions. By accessing, browsing and/or using Paisa Manager, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement are the final and binding terms of the contract between you and Paisa Manager. These terms and conditions may be updated from time to time at our discretion and the current version will be made available on the site. Users are responsible for reviewing and keeping informed of any changes to these terms and conditions. Your acceptance of amended terms and conditions is implied by the continued use of the Software.

  3. License
  4. Your use of the software is subject to a license hereby granted by Paisa Manager for the non-exclusive, non-transferable, limited right to use the Software on a computer or mobile device, unless otherwise specified by Paisa Manager. This license commences on the date that you install or otherwise use the Software and ends on the earlier date of either your disposal of the Software or Paisa Manager's termination of the license. Paisa Manager retains the discretion to terminate your license immediately and without further notice if you attempt to circumvent any technical protection measures implemented in connection with the Software. All rights not specifically granted under this Agreement are reserved by Paisa Manager and, as applicable, its licensors. Paisa Manager retains all ownership and proprietary rights in the Software.

  5. Provision of Services
  6. Paisa Manager provides a data analysis service to Users. Paisa Manager uses its own platform and user data entry for doing so. You agree that We may collect and use data and related information, including but not limited to your income and expenses, income/ spending pattern, income/ spending headings and other technical/ business use information about your account, device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of service and software updates, product support and other services to you (if any) related to the Licensed Application. We may use this information, as long as it is in a form that does not personally identify you, to improve our products or to provide services or technologies to you. We may collect other information subject to our Privacy Policy.


    We rely upon the information that is collected from the users’ accounts/ devices. We collate the information obtained from a User's registered accounts and produce an analysis of expenditure and income in apps itself. Users can choose to receive an analysis of their financial activity over a time period or by category. Users can also choose to create a budget and receive alerts from Paisa Manager as well as bill payment reminders. Paisa Manager's tools and services are limited to the information that is made available to us by the User. We do not claim to provide a holistic analysis of a User's entire financial position. Paisa Manager does not provide any advice or opinion about Users expenditure but provide automated generic notification that the User may choose to utilize. Paisa Manager provides information you may use at your sole discretion in your financial goals and pursuits. You are solely responsible for making any financial decisions or implementing any financial strategy or plan. You should consider consulting your legal, financial, or tax professional regarding specific advice about your personal financial circumstance.


    Paisa Manager reserves the right to make changes to the Software, its operation and application at any time without prior notice to Users. Paisa Manager will take steps to ensure the ongoing effective operation and maintenance of the Software and take steps to repair technical issues that arise from within the Software within a reasonable time, with the limitation that the issues are of a global nature, and do not arise from individual use. Paisa Manager uses one of the highest levels of security to protect our Software from third party interference.

  7. Accurate Information
  8. You agree to provide true, accurate, current and complete information about yourself and your accounts (as applicable) and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate

  9. Payment
  10. We reserve the right to implement charges for the services that we provide. Users will be notified if a charge is imposed and will have the option to discontinue the use of the service.

  11. Acknowledgement to Receive Email, Push Notifications or SMS Text Messages.
  12. As a user of Paisa Manager, you agree to receive emails, notifications, and SMS text messages from us regarding the Paisa Manager Services. We may from time to time send you SMS text messages, push notifications or email messages with information about upcoming events, or information about our Paisa Manager Services offerings from us and our partners. You may opt-out from receiving certain of such correspondence by emailing privacy@paisamanager.com or selecting to unsubscribe in the email correspondence, as may.

  13. Online and Mobile Alerts
  14. Paisa Manager may from time to time provide automatic alerts. Automatic alerts may be sent to you following certain changes made online to your User Profile or your Accounts. Electronic alerts will be sent to the email address you have provided. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.


    Because alerts are not encrypted, we will never include your passcode. However, alerts may include your Paisa Manager Login and some information about Your Accounts.

  15. Conditons of Use
    1. Users agree to use the Software for its proper purpose in accordance with these terms and conditions, and the license provisions contained herein
    2. Users agree to supply Paisa Manager with information that is true and correct and not false or misleading
    3. Users agree to use the portal in good faith and in a way so as to not bring disrepute or cause reputational or other damage to Paisa Manager, the portal or to the goodwill relating to the services provided under this agreement.
    4. Users agree to the transfer of de-identified, encrypted data between Krennova Pvt. Ltd. and Paisa Manager
    5. Users agree to use the Software and the services in accordance with the technology and systems as provided. Paisa Manager will not make changes to its technology, systems or processes to accommodate individual needs.
    6. Users agree not to:
      1. Distribute, lease, license, sell, rent or otherwise transfer or assign the Software, or any copies of the Software, without the express prior written consent from us;
      2. Make a copy of the Software or any part thereof;
      3. Reverse engineer, decompile, disassemble, and/or prepare derivative works based on the Software, in whole or in part;
      4. Otherwise modify the Software, in whole or in part;
      5. Remove or modify any proprietary notices, marks or labels contained on or within the Software;
      6. Use the Software in a manner that is unlawful, fraudulent or deceptive or that encourages conduct that would constitute a criminal offence, or give rise to civil liability;
      7. Use the Software in a way that terminates these terms and conditions;
      8. Use technology or other means that is not authorized by us to access the Software;
      9. Use or launch any automated system, including without limitation, "robots," "spiders," or "offline readers," to access the Software;
      10. Attempt to, or introduce viruses or any other computer code, files or programs that may interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
      11. Gain or attempt to gain unauthorized access to the Software including the networks or user accounts;
      12. Attempt to or engage in conduct that damages, disables, overburdens, or impairs the portal servers or networks.
  16. Warranty and Indemnity
  17. This Agreement and all other aspects of your use of Paisa Manager shall be governed by and construed in accordance with the laws of the Nepal. You agree that you will notify Krennova in writing of any claim or dispute concerning or relating to Paisa Manager and the information or services provided through it, and give Krennova a reasonable period of time to address it BEFORE bringing any legal action, either individually, as a class member or representative, or as a private attorney general, against Krennova.

  18. Intellectual Property
  19. Paisa Manager retains all right, title and interest to the Software, including, but not limited to, all copyrights, trademarks, trade secrets, trade names, proprietary rights, patents, titles, computer codes, audio-visual effects, themes, characters, character names, stories, dialog, settings, artwork, sounds effects, musical works, and moral rights. The Software is protected by Nepal copyright and may not be copied, reproduced or distributed in any manner or medium, in whole or in part, without prior written consent from Paisa Manager. Any persons copying, reproducing or distributing all or any portion of the Software in any manner or medium, will be violating the copyright laws and may be subject to civil and criminal penalties in Australia or their local country.

  20. Cancellation
  21. Users can cancel the use of our services at any time. Cancellation will result in Paisa Manager cancellation of their account but not necessarily deleting all of the User's information. In order to terminate a User must choose to permanently delete the account via the User's Profile tab in the Settings menu. Simply not logging on to the website or deleting the app will not give effect to termination and deletion of your information.

  22. Government Law
  23. This Agreement shall be governed by the laws of the Nepal. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be considered void to the extent necessary to make it enforceable and the remaining provisions of this Agreement shall not be affected.

  24. Apple App Store Additional License Terms
  25. These license terms are in addition to all other terms of the Limited Software Warranty; License Agreement, and Information Use Disclosures. If any Software is provided to you through the Apple Inc. ("Apple") App Store, then the following additional terms and conditions in this paragraph apply. This Agreement is solely between you and Licensor, and not with Apple. You acknowledge that Apple has no obligation to furnish any maintenance or support services to you in connection with the Software. In the event of any failure of the Software to conform to the Limited Warranty in this Agreement, you may notify Apple, and Apple will refund the purchase price (if any) for the Software. Except for the foregoing, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Software. Any claim in connection with the Software related to product liability, a failure to conform to applicable legal or regulatory requirements, claims under consumer protection or similar legislation or intellectual property infringement are governed by this Agreement, and Apple is not responsible for such claims. You must comply with the App Store Terms of Service, including the Usage Rules. The license to the Software is a non-transferable license to use the Software only on an iPhone, iPad or iPod touch that you own or control. Apple is a third-party beneficiary to this Agreement and may enforce this Agreement against you.


    All other terms and conditions of the Terms and Conditions apply to your use of the Software.

  26. Android Market Additional License Terms
  27. These license terms are in addition to all other terms of the Limited Software Warranty; License Agreement, and Information Use Disclosures. If any Software is provided to you through the Google Play Android Market ("Google"), then the following additional terms and conditions in this paragraph apply. This Agreement is solely between you and Licensor, and not with Google. You acknowledge that Google has no obligation to furnish any maintenance or support services to you in connection with the Software. Any claim in connection with the Software related to product liability, a failure to conform to applicable legal or regulatory requirements, claims under consumer protection or similar legislation or intellectual property infringement are governed by this Agreement, and Google is not responsible for such claims. You must comply with the Google Play Terms of Service, including any usage rules.

  28. Enforcement of Terms of Use
  29. By accessing and using Paisa Manager, you agree that your access to and use of Paisa Manager is subject to these Terms of Use, as well as all applicable laws, as governed and interpreted pursuant to the laws of the Nepal.

  30. Other Agreements
  31. This Agreement shall be subject to any other agreements you have entered into with Krennova.

  32. Additional Terms
  33. Certain sections on Paisa Manager may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

  34. Severability
  35. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.

  36. General Provision
  37. This Agreement supersedes any previous Terms of Use Agreement to which you and Krennova Money may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way, define, limit, construe or describe the scope or extent of such section.

  38. Contacting Us
  39. If you have questions regarding the Agreement or the practices of Krennova or Paisa Manager, please contact us by e-mail at privacy@paisamanager.com