Terms

HonorFlow is a personal finance tracker. It is not a bank, advisor, or lender.

The service

HonorFlow lets you record income, expenses, budgets, accounts, investments, and net worth, and to view insights calculated from that ledger. You are responsible for the accuracy of what you enter.

Accounts

You sign in with a phone number or email you control. Keep that channel secure. Do not share one-time codes.

HonorFlow Plus

Plus is prepaid access for a stated period. Web checkout does not auto-renew. Features such as a higher receipt-scan and AI-command allowance apply only while Plus is active. Amounts are set by HonorFlow's catalog at checkout; a successful Razorpay widget alone does not grant access until HonorFlow verifies the payment.

Tell HonorFlow and receipts

Natural-language commands and receipt scans produce a proposal. You must confirm before HonorFlow writes a transaction. HonorFlow does not provide server-side voice transcription as a billed product.

No financial advice

Ask HonorFlow and insights explain numbers from your recorded activity. They are not investment, tax, or credit advice. HonorFlow is not a bank and does not connect to bank accounts or UPI SMS.

Acceptable use

Use HonorFlow for your own finances. Do not attempt to access another person's account or interfere with the service.

Cancellation and refunds

Prepaid access lasts until the stated end date. HonorFlow does not currently offer in-app refunds; payment disputes are handled through Razorpay and applicable law.