Terms of Service

1. Who you're agreeing with

These terms are an agreement between you and Ishan Savio Kerketta, operating personally under the trading name Diveriontech (diveriontech.com). Mickle is not currently operated through a registered company. That is stated plainly here, and in the Privacy Policy, so you know exactly who you are dealing with.

In these terms, "the operator" means Ishan Savio Kerketta. By creating a Mickle account, you agree to these terms. If you don't agree to them, don't create an account.

These terms form an electronic record under the Information Technology Act, 2000. They take effect when you create your account, and need no physical or digital signature to bind either of us.

2. What Mickle is — and isn't

Mickle is a personal finance tracker. It records what you tell it and shows you your own numbers back. It is not:

• a bank, a payment processor, or a money transmitter — Mickle never moves, holds, or has access to your actual money, only the records you choose to enter about it;
• financial, tax, investment, or legal advice — the numbers, budgets, and insights Mickle shows are based only on what you've entered, and are not a recommendation about what to do with your money;
• connected to your bank, card, or any financial institution — every figure in Mickle is manually entered by you unless a future version explicitly says otherwise.

Any decision you make about your money is your own. Mickle is a record, not an adviser.

3. Who can use Mickle

You must be at least 18 years old to create a Mickle account. Mickle is not directed at children and accounts are not knowingly provided to anyone under 18. If you believe an account has been created by someone under 18, write to support@diveriontech.com and it will be removed.

You may not use Mickle if you are barred from receiving the service under any law that applies to you, or if your account was previously terminated for breach of these terms.

4. Your account

• You need to provide a real, working email address to sign up and confirm it, and you are responsible for keeping your account credentials and your device secure — Mickle's App Lock feature (Settings → Security) is available for this and is worth turning on.
• One account per person. Don't share your login.
• You're responsible for the accuracy of what you enter — Mickle can only show you honest numbers if the numbers going in are honest.
• You are responsible for activity that happens under your account.

5. Your data

Full detail is in the Privacy Policy; the commitment that matters most is repeated here as an actual term of this agreement, not just a policy statement:

Mickle will not sell your personal data, and will not share it with third parties for their own marketing, advertising, or commercial purposes. You can export a full copy of your data, or permanently delete your account and everything in it, at any time, from Settings.

That commitment is binding. Like every other obligation in these terms, a claim arising from it is subject to section 10.

6. Acceptable use

Don't use Mickle to:

• attempt to access another user's data, or attempt to bypass or test the app's security controls except through the disclosure process below;
• reverse-engineer, decompile, scrape, or automate access to the service in a way that disrupts it for others or places unreasonable load on it;
• resell, sublicense, or commercially exploit the service;
• use the service for anything illegal, fraudulent, or intended to harm another person.

If you find a genuine security issue, please report it to security@diveriontech.com before disclosing it publicly — that's the difference between helping and causing harm, and it's appreciated.

7. Ownership and your licence to use Mickle

Mickle — the application, its source code, its design, its name and its logo - belongs to the operator. You are granted a personal, non-exclusive, non-transferable, revocable licence to use Mickle for your own personal finance tracking for as long as these terms are in force. Nothing here transfers ownership of the app to you.

Your records remain yours. The operator does not claim ownership of the financial data you enter, and uses it only as the Privacy Policy describes.

8. No warranty

Mickle is provided "as is" and "as available." It is actively maintained, but you are encouraged to independently verify anything you rely on for a real financial decision, the same way you'd double-check any tool before trusting it with something that matters.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE OPERATOR DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. THE OPERATOR DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY FIGURE IT DISPLAYS OR CALCULATES WILL BE ACCURATE OR COMPLETE.

9. Services Mickle depends on

Mickle runs on infrastructure operated by third parties — including its database and authentication provider, its email provider, and the app store through which you installed it. The operator chooses these providers with care but does not control them.

To the fullest extent permitted by law, the operator is not liable for loss, downtime, corruption of data, or unauthorised access to data that is caused by a failure, outage, or security incident at one of those providers rather than by the operator's own act or omission. Where such an incident affects your data, the operator will tell you what happened and will meet its obligations under applicable data protection law.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• The operator is not liable for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind, including loss of profits, loss of savings, loss of data, business interruption, or financial loss arising from decisions you make based on information shown in the app — whether or not the operator was advised that such loss was possible.
• The operator's total aggregate liability for all claims arising out of or relating to Mickle is limited to the total amount you have paid to use it in the twelve months before the claim arose. Mickle is currently free of charge, and that amount is accordingly nil.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited — including liability for fraud, or for death or personal injury caused by negligence. If any part of this section is held unenforceable, the rest of it continues to apply and the unenforceable part is limited to the minimum extent necessary.

11. Indemnity

You agree to indemnify the operator against any third-party claim, demand, loss, liability or reasonable cost (including reasonable legal fees) arising out of your use of Mickle, anything you enter into it, your breach of these terms, or your violation of any law or of another person's rights.

This does not apply to any claim arising from the operator's own breach of these terms, or to anything the law does not permit to be indemnified.

12. Ending your account

You can delete your account at any time from Settings — this is immediate, permanent, and removes everything, as described in the Privacy Policy.

The operator may suspend or terminate your access to Mickle if you breach these terms, if required by law, or if continuing to provide the service to you would create a genuine legal or security risk. Notice will be given where practical.

The operator may also discontinue Mickle entirely. If that happens, reasonable advance notice will be given inside the app so that you can export your data first.

13. Changes to these terms

The service and these terms may change over time. Material changes will be reflected here with an updated date, and — for anything that meaningfully changes what you agreed to — reasonable efforts will be made to tell you inside the app rather than leaving you to notice a footer date changing. Continuing to use Mickle after a change takes effect means you accept it.

14. General

Severability. If any provision of these terms is held invalid or unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions stay in full force.

No waiver. A failure or delay in enforcing any part of these terms is not a waiver of the right to enforce it later.

Entire agreement. These terms, together with the Privacy Policy, form the entire agreement between you and the operator about Mickle, and replace any earlier understanding on the same subject. You are agreeing on the basis of what these two documents say — not on the basis of anything said anywhere else, whether in a store listing, a screenshot, a post, or a conversation.

Assignment. You may not transfer your rights under these terms. The operator may transfer them — including to a company later formed to operate Mickle — on notice inside the app or by email. Your rights under these terms will not be reduced by such a transfer.

Notices. The operator may contact you at the email address on your account, and a message sent there counts as delivered to you. Keep that address current and reachable. You can reach the operator at the addresses in section 16.

What survives. Closing your account, or these terms otherwise coming to an end, does not switch off the parts of this agreement meant to outlast it. Sections 7, 8, 9, 10, 11 and 15 continue to apply to anything that happened while your account existed, as does any other section that by its nature is meant to survive.

Events outside reasonable control. The operator is not liable for any failure or delay caused by something outside reasonable control. That includes hosting, infrastructure, network or power failure; hacking, unauthorised access to systems, or a security breach that reasonable commercial measures would not have prevented; malicious code; act of government; and natural disaster.

15. Governing law, disputes and jurisdiction

These terms, and any dispute arising out of or in connection with them or with your use of Mickle, are governed by the laws of India, without regard to conflict of law principles.

Please raise it first. If something goes wrong, write to the operator at the addresses in section 16, setting out the problem and what you would like done about it. Both sides agree to try in good faith to resolve it that way for thirty days before starting any proceedings. This costs nothing and settles most things.

The courts at Kolkata shall have exclusive jurisdiction over any such dispute, and you and the operator each submit to that jurisdiction.

Where the law of the country you live in gives you consumer protections that cannot be set aside by agreement, nothing in this section removes those protections.

16. Contact

General questions and support: support@diveriontech.com

Security issues: security@diveriontech.com

Data protection questions and grievances under the DPDP Act: the grievance officer named in the Privacy Policy, at grievance@diveriontech.com