Terms

Last updated 25 August 2026

Plain version: it's a free notebook for your own spending, run by one person. It doesn't move money and it can't fix a payment that went wrong.

What Dhyan Pay is

A record-keeping tool. You tell it what you spent and which wallet it came from, and it keeps score against limits you set yourself. It can open your UPI app for you with an amount already filled in, which saves typing.

What Dhyan Pay is not

• It is not a payment service. It never holds, transfers or touches money. It does not collect payments for merchants or settle funds to them, so it is not a payment aggregator under the Reserve Bank's payment aggregator directions, and it does not route or process payments, so it is not a payment gateway. It is not a UPI app and is not registered with NPCI: it has no arrangement with a PSP bank and cannot itself initiate a UPI payment. All it does is open your own UPI app with the details already filled in. Every payment happens inside that app, under your own credentials.
• It is not connected to your bank. It cannot see your balance, your statement or your transactions, and it never asks for your UPI PIN.
• It is not financial advice. Limits, warnings and reports are arithmetic on numbers you entered, nothing more.
• It is not an authority on what you actually spent. Its records are what you told it. If you forget to record a payment, or confirm one that failed, the numbers will be wrong — and only you can correct them.

Your account

You must be 18 or older to use Dhyan Pay. Keep your password to yourself; anyone with it can see and change your records. One account belongs to one person — there are no joint logins.

You can choose to share individual wallets with other people in a household. Everyone in that household sees those wallets' payments and who made them, and members can add payments to them. Wallets you don't share stay private to you. A shared wallet is a shared counter, not a joint account — Dhyan Pay still holds no money and settles nothing between you.

Email from Dhyan Pay

Two kinds, and they are not the same thing. Service email — the link that confirms your address, a password reset code, and anything needed to tell you about your own account — comes with having an account and cannot be turned off, because without it you could not get back in. App email — an occasional nudge if you set wallets up and then stop — only ever arrives if you asked for it, and stops the moment you say so in Settings → Alerts. Refusing it costs you nothing: every part of the app works the same either way.

When these terms change

If the terms or the privacy notice change in a way that affects you, the app will show you what changed the next time you open it and ask you to agree again, one tick per document. You can decline and sign out instead, and your data goes with you if you then delete the account.

What you can expect

This is a free app maintained by one person in his own time. It may be unavailable, it may lose a feature, and it may stop being maintained. If it is ever going to shut down, you will be told with enough notice to export your data, and the export button works at any time without asking anyone.

Because it is free and provided as-is, there is no warranty and no liability for losses arising from using it — including a payment you made, or didn't make, after looking at a number on this screen. The decision to spend is always yours.

Fair use

Don't try to break it, overload it, or use it to store other people's personal information. Accounts doing that will be removed.

Ending it

You can delete your account at any moment from Settings. Everything private to you goes with it immediately and permanently — no retention period, no waiting, no recovery.

One thing survives, and only one: payments you added to a wallet shared with a household. Those stay in the shared ledger, detached from your account and no longer carrying your name, because removing them would silently rewrite balances the other members still depend on. If you owned the household, it passes to whoever joined it first, along with the wallets shared into it.

Governing law

These terms are governed by the laws of India.

Questions

info@dhyanpay.in, or the contact page.