Terms of Service

These terms are between you and Casshi, who operates Casshi. Using the service means you accept them. If you do not, do not use the service.

You need to be at least 13 years old to hold an account.

Casshi is a record-keeping tool. You enter what you earned and spent, and it organises, totals and charts it for you.

It is not a bank, a wallet, a payment processor or a lender. It never holds your money and never moves it. It does not connect to your bank accounts and cannot see your balances.

It is not financial, tax, accounting or legal advice. The numbers it shows are arithmetic on the figures you entered, and decisions you make from them are yours.

• Give a real email address — it is how you recover the account and how we reach you about it.
• Keep your sign-in details to yourself. You are responsible for what happens under your account.
• One person, one account. Do not create accounts to claim referral rewards or coupons more than once.
• Do not attempt to access anyone else's data, disrupt the service, or work around its limits.

If you believe someone else has used your account, change your password and check the sessions and security log in Settings.

Everything you record stays yours. We claim no ownership of it and do not use it to train anything.

You can export all of it at any time from Settings, and you can delete your account, which permanently destroys it after a 30-day grace period. What we do with it while you are a user is set out in the Privacy Policy.

There is a free plan with no time limit and no card required. Paid plans start at Rs 499 a month.

There is no card gateway. Paid plans work like this:

• You pick a plan and transfer the amount to the account shown — JazzCash, Easypaisa, bank transfer or crypto, depending on what is offered at the time.
• You upload the receipt or screenshot of the transfer.
• A person checks it. If it matches, your plan is activated for 30 days from approval. If it does not, it is rejected and you are told why.
• Approval is not instant. A payment sits in a queue until someone reviews it.

Nothing renews automatically, because nothing can be charged automatically — there is no stored payment method. When the 30 days end, the account returns to the free plan until another payment is approved. You will be reminded a few days before that happens.

Prices may change. A change never affects a period you have already paid for.

If a payment is approved by mistake, or the service was unusable for a meaningful part of a paid period, ask for a refund and you will get one for the unused part.

Beyond that, a period already used is not refundable — the free plan exists precisely so you can decide whether the product is worth paying for before you pay.

Questions about these terms go to the contact address published on this site.

Coupon codes and referral rewards are a discount on a plan, not money. They have no cash value, cannot be exchanged or transferred, and expire on the date attached to them.

A code obtained by creating duplicate accounts, or by any other attempt to game the system, can be cancelled, and so can the plan it bought. Rewards already fairly earned are not taken back.

Nothing you recorded is deleted, hidden or locked when a paid plan ends or you move to a lower one. Every transaction, budget, goal, group and export stays exactly where it is and stays editable.

What a lower plan changes is what you can do next — adding another monthly budget, running an export, scanning a receipt. Pay again and all of it is available again, with your records untouched.

The service is provided as it is. It may be unavailable for maintenance, because a provider it depends on is down, or because something broke. There is no uptime guarantee.

AI receipt scanning and voice entry depend on a third-party provider with its own rate limits, so they can be temporarily unavailable or slow. They read what is in front of them and can get a figure wrong — check what comes back before you save it.

Features may be added, changed or removed. Anything removed that you were paying for will be handled fairly, including a refund of the unused period if it matters to you.

To the extent the law allows, the service is provided without warranties, and liability for any loss arising from using it is limited to what you paid in the twelve months before the claim.

Nothing here limits liability for anything that cannot be limited by law.

You can stop using the service or delete your account at any time, from Settings.

We can suspend or close an account that breaks these terms — most often for abusing referrals, coupons or payments. Where it is not a case of deliberate abuse, you will be told first and given a chance to put it right, and you will be able to export your data.

These terms may change. The date at the top moves when they do, and a material change will be announced in the app before it takes effect.

These terms are governed by the law of Pakistan, and disputes are subject to its courts.