Halaga

Terms of Service

Effective date: September 24, 2026

These Terms govern your use of Halaga App by Indoscorpios ("Halaga", "we", "us"). By creating an account, accessing the service, or using a feature after these Terms become effective, you agree to these Terms to the extent permitted by applicable law.

1. The service

Halaga provides software for personal finance tracking, organization, budgeting, savings, assets, investments, debt tracking, financial insights and related planning. Depending on the account and plan, Halaga may also provide Business & VA workspace features, Premium features, Community features, support tools, offline functionality, backups and related services.

Features, availability, plan limits and pricing may change. Some functionality may require an internet connection, a supported browser/device, a paid plan or a supported payment provider.

2. Not financial, accounting, legal or tax advice

Halaga is a software and record-keeping tool. It is not a bank, broker, lender, insurer, investment adviser, accountant, tax adviser or lawyer. Financial calculations, insights, projections and dashboards are informational and depend on the information you enter. You remain responsible for decisions you make using the service and should verify important information against authoritative financial or legal records and qualified professionals where appropriate.

3. Accounts and security

You must provide information that is reasonably accurate for your account and keep your credentials, MFA devices and recovery codes secure. You are responsible for activity performed through your account unless applicable law provides otherwise.

You must not share passwords, MFA secrets or recovery codes, and you must promptly report suspected unauthorized access through the support or security channels.

Halaga may require additional authentication or security verification for sensitive operations such as account deletion or administrative actions.

4. Your data and privacy

You retain responsibility for the accuracy and legality of information you enter. The handling of personal, financial, business, community, payment, offline and diagnostic information is described in the Privacy Policy.

Do not enter passwords, payment credentials, API keys, MFA seeds, recovery codes or other secrets into free-text finance, business, Community, support or feedback fields unless Halaga explicitly asks for that information through a secure flow.

5. Business & VA features

Business & VA features are provided as operational and financial-management tools. They may include workspace members and roles, clients, customers, projects, tasks, time tracking, invoices, proposals, contracts, inventory, expenses, approvals, reports and related information.

If you use Halaga for a business or on behalf of another person, organization or customer, you are responsible for ensuring that your use, disclosures, instructions to team members, and handling of third-party personal data comply with applicable law and your agreements with those persons or organizations.

6. Community and user-generated content

Community features may allow you to publish posts, comments, reactions, profiles and other content, follow users/topics, send or receive messages, join group conversations, and report or block users.

You retain ownership or other rights you already have in content you submit, but you grant Halaga the limited rights reasonably necessary to host, store, transmit, display, moderate, secure and operate that content within the service. Public content may be visible to other authenticated Halaga users according to the feature's visibility controls.

You must not post or transmit content that is unlawful, fraudulent, defamatory, threatening, abusive, sexually exploitative, invasive of another person's privacy, intended to facilitate financial fraud, or otherwise prohibited by applicable law or these Terms.

Halaga may remove, restrict or moderate content or access where reasonably necessary for safety, security, abuse prevention, legal compliance or operation of the service.

7. Premium, subscriptions, trials and promotions

Premium and other paid functionality are offered under the plan, price, billing period and features shown to you at the time of purchase. Purchase status and access are determined from verified payment and subscription records.

Promotional codes, trials and discounts are subject to the eligibility, duration, redemption limits and other terms displayed with the applicable promotion. A promotion does not create a right to future discounts or continued eligibility unless expressly stated.

Cancellation, renewal, billing and refund rights are governed by the purchase terms presented at checkout, applicable payment-provider rules and mandatory consumer-protection law. For billing questions, contact billing@halaga.app.

Halaga may suspend or remove paid access where a payment is reversed, invalid, fraudulent, disputed or otherwise not successfully verified, subject to applicable law and provider rules.

8. Payments and third-party services

Halaga may use third-party providers such as Maya for payment processing, Supabase for authentication/database services, Vercel for hosting/runtime services, and Google for Google OAuth when you choose that sign-in method. Third-party services are also subject to their own terms and policies.

Halaga does not intentionally store full card or bank credentials in its application database for the Maya-hosted checkout flow. Payment-reference and transaction metadata may be stored for verification, entitlement, reconciliation, support, fraud prevention and lawful recordkeeping.

9. Offline use, backups and exports

Supported finance/workspace data may be cached locally and changes may be queued for later synchronization. Local copies can remain on a device until cleared by the application or the device/browser. You are responsible for protecting devices that contain local Halaga data.

You may export or create encrypted backups and manually share them to destinations such as Google Drive or Dropbox. You are responsible for choosing the destination, protecting exported files and verifying that imports/exports are appropriate for your use.

10. Acceptable use and security

You must not:

• bypass authentication, authorization, MFA, Premium entitlement, payment verification, rate limits or other security controls;
• access, modify, export or disclose another person's records without authorization;
• probe, scan, attack, overload or interfere with Halaga or its infrastructure;
• upload malware or intentionally exploit vulnerabilities;
• use Halaga to facilitate fraud, identity theft, financial crime or unlawful activity;
• impersonate another person or misrepresent authorization to use a business/customer workspace; or
• use Community or messaging features to harass, threaten, exploit, spam, scam or unlawfully expose another person.

11. Intellectual property

Halaga software, branding, interface design, documentation and other service materials are owned by or licensed to the operator except for content supplied by users or third parties. These Terms do not transfer ownership of Halaga intellectual property to you.

12. Availability and limitations

Halaga is provided on an as-available basis to the extent permitted by law. We do not promise uninterrupted or error-free operation. Internet outages, provider failures, browser/device limitations, maintenance, security events and other circumstances may affect availability or synchronization.

Maintain independent copies of important financial and business records. Offline synchronization can involve conflicts or delayed updates; review important records after synchronization.

13. Account deletion and termination

You may request account deletion through Settings → Danger zone → Delete account after signing in. The public account deletion page explains the process but does not itself delete an account.

Account deletion is permanent and removes account-linked data through the deletion workflow described in the Privacy Policy. Data you copied outside Halaga, including downloads, screenshots and manually shared backups, may remain outside Halaga.

We may suspend, restrict or terminate access where reasonably necessary for security, abuse prevention, legal compliance, non-payment, or material violation of these Terms, subject to applicable law.

14. Changes to the service or Terms

We may change features, plans, pricing, providers or these Terms. Material changes will be communicated when appropriate or required. The effective date at the top identifies the current version.

15. Contact

Privacy: privacy@halaga.app
Support: support@halaga.app
Billing: billing@halaga.app