Terms of Use

1. What MyCircleBook Is

MyCircleBook is a digital ledger that helps an organizer track contributions, payment status, and payout turns for an informal group that pools money together - such as a rotating savings circle among friends, family, or colleagues. It replaces manual tracking methods (like a notebook or spreadsheet) with a clearer, shared record.

This also works well for self-help and livelihood groups, such as women's savings groups formed under government schemes, for tracking members' monthly savings contributions and attendance-style records. MyCircleBook does not calculate or track bank loans, interest, or repayment schedules - see Section 2.

2. What MyCircleBook Is Not

• MyCircleBook does not collect, hold, transfer, or have any access to money on behalf of any user.
• MyCircleBook does not process payments, and no banking, UPI, or payment details should ever be entered anywhere in this application.
• MyCircleBook does not decide, manage, or guarantee any payout - the order and timing of payouts is entirely the organizer's own arrangement with their circle, conducted outside this application.
• MyCircleBook does not calculate, track, or manage bank loans, interest, or loan repayment schedules, and does not report to banks or government agencies on behalf of any group. Self-help groups using MyCircleBook should continue managing any bank-linked loan separately.

3. The Organizer's Responsibility

The person who creates and manages a group ("the Organizer") is solely responsible for:

• The accuracy of all records entered into MyCircleBook.
• Actually collecting contributions and making payouts, entirely outside this application.
• Informing each member before adding them to a group, as prompted at the point of adding a member.
• Any dispute, disagreement, or claim arising between the Organizer and members of their circle regarding money, contributions, or payouts.

4. The Member's Role

A Member may view their own contribution status and history within a group. Members are trusting their Organizer directly for the accuracy of records and the fair conduct of their circle - not this application.

5. Accountability Records

Changes an Organizer makes to contribution or payout records are logged automatically, with a timestamp, to support transparency and help resolve any questions that may arise.

6. No Financial or Legal Advice

MyCircleBook does not provide financial, legal, or regulatory advice. Users are responsible for understanding any obligations that may apply to informal money-pooling arrangements in their own circumstances.

7. Limitation of Liability

MyCircleBook is provided as a record-keeping convenience only. To the fullest extent permitted by law, LBLOGIC SOLUTIONS (OPC) PRIVATE LIMITED is not liable for any financial loss, dispute, or damage arising from the use of this application, including but not limited to inaccurate records, missed payments, or disagreements between an Organizer and their circle's members.

8. Changes to These Terms

These Terms may be updated from time to time. Continued use of MyCircleBook after changes are posted constitutes acceptance of the updated Terms.

9. Contact

This application is operated by LBLOGIC SOLUTIONS (OPC) PRIVATE LIMITED, a company registered in Bengaluru, Karnataka, India (CIN: U63120KA2025OPC205923).