Last updated: 2 September 2026
These terms govern your use of Partelo ("the app"), developed and operated by Mvirai ("we", "us"). By downloading or using the app you agree to them. If you do not agree, do not use the app.
Partelo records shared expenses between people and calculates who owes what. Partelo does not move money. It does not process payments, hold funds, or transfer anything between people. Recording a payment as "settled" is a bookkeeping note that you made the payment elsewhere. We are not a payment institution and we take no part in any transaction between you and anyone else.
An account is required. You are responsible for the activity on your account and for the accuracy of what you enter. You must be at least 16 years old to use Partelo.
You keep ownership of everything you enter. You grant us only the licence needed to store it, sync it, and show it to the other members of the groups you share it with. You are responsible for having the right to enter other people's names and details into a group.
Partelo offers optional paid subscriptions:
There is no lifetime plan.
You normally have 14 days to withdraw from a digital purchase. Because access begins immediately, you expressly consent to immediate performance and acknowledge that you lose the right of withdrawal once access has begun, to the extent permitted by law. Refunds are handled by Apple and Google under their own policies; we cannot issue refunds for purchases made through their stores. This does not affect your statutory rights where a service is faulty.
AI features carry a real cost per use. Ultra includes 100 receipt scans, 100 voice entries, 100 text parses and 50 advisor replies per month. We may apply reasonable limits to prevent abuse or automated use, and may suspend access where use is clearly abusive or automated. We will not reduce the substance of a paid tier without telling you in advance.
Partelo calculates splits, balances and settlement suggestions from the information you enter. Automated features — receipt scanning, voice entry and AI interpretation — can misread things. You are responsible for checking that amounts are correct before relying on them or paying anyone. We are not liable for a financial loss arising from an incorrect entry, a misread receipt, or a disagreement between you and anyone you split with.
You agree not to use Partelo to break the law, to enter other people's data without a proper basis, to reverse engineer or interfere with the app or its security, to circumvent usage limits or payment, or to use it for automated bulk activity.
We aim to keep Partelo available but do not guarantee uninterrupted service. Features may change. If we discontinue the service or a paid tier, we will give reasonable notice and will not charge for a period we do not provide.
To the extent permitted by law, the app is provided "as is". We are not liable for indirect or consequential loss, or for loss of data or profit. Where liability cannot be excluded, it is limited to the amount you paid us in the 12 months before the claim. Nothing here limits liability for death, personal injury, fraud, or anything else that cannot be limited by law, and nothing here affects your mandatory rights as a consumer.
You may stop using Partelo and delete your account at any time. We may suspend or terminate an account that breaches these terms, with notice unless that is impossible or unlawful.
We may update these terms. Material changes will be notified in the app before they take effect. Continuing to use Partelo after that means you accept the new terms.
These terms are governed by the laws of India, without affecting the mandatory consumer protection rights of the country in which you live. If you are a consumer in the European Union, you may bring proceedings in the courts of your country of residence.
If you obtained Partelo from the App Store: this agreement is between you and Mvirai only, not Apple. Apple has no obligation to provide support or maintenance. Apple is not responsible for any claim relating to the app, including product liability, legal compliance, or intellectual property claims. Apple and its subsidiaries are third-party beneficiaries of this agreement and may enforce it against you.
Mvirai, India
Email: contact@mvirai.com
