Our terms, in plain words.

Ahead is operated by Larissa InfoTech Private Limited, a company registered in India, CIN U58200MH2024PTC421780. In these terms we means that company and you means the person who created the account.

You agree to these terms, and to the Privacy Policy, by ticking the box when you create an account. We record when you did and which version you agreed to.

You can reach us at [email protected]. We aim to reply within three working days.

Ahead is a record-keeping tool. You type in what you earned, spent, lent and borrowed, and it does calculations with it: envelope budgeting, loan schedules, and a sixty-day forecast of your balance.

It is not financial advice. Nothing in it tells you to spend, save, borrow or invest, and it does not rank your choices. When it shows what a purchase would cost you, it only shows the cost. Decisions about your money are yours.

It is not a bank, and it does not move money. It holds no bank login, does not connect to any Account Aggregator, and cannot make a payment for you. Every number in it was typed by you or someone in your household.

It is only as correct as what you enter. A forecast is built from what has been entered and from your budget. If a transaction is missing or a schedule is out of date, the answer will be wrong, so check anything important against your bank.

You need an account with a working email address. That is where password resets, invoices and notices about your subscription go. Keep your password to yourself, and turn on two-factor login if your data matters to you.

Your data lives in a household, not in your user account. A household can hold more than one person: an owner, who pays and controls who else is in it; a partner, who can budget and enter transactions exactly as the owner can; and a viewer, who sees everything and changes nothing.

Everyone in a household sees everything: every account, transaction and loan. Nothing can be hidden from other members, so think about who you invite.

A person belongs to one household at a time. The owner is responsible for who they invite and for what those people do with the budget.

Use it for your own household’s money. Do not resell access, do not try to reach another household’s data, do not attack or overload the service, and do not use it to do something illegal.

Using scripts or tools to read your own data is fine in moderation, though the export is the easier way. Overloading the service with requests is not allowed.

If you break this clause we may suspend the account. Where it is safe and lawful to do so we will tell you why first, and you will still be able to export.

Every new household gets 60 days free. The trial includes every feature, so you can try Ahead through a full month or two.

After that it is a subscription, billed monthly or yearly. If a payment does not arrive, there is a grace period of 15 days in which nothing changes and we tell you what is happening. A renewal paid in that window covers the period from where the last one ended, because you were using Ahead in between. If the household locks first, renewing still covers the grace days you used, but days it was read-only are never charged. They are added to the end of the period instead.

Nothing is ever debited automatically. We hold no UPI Autopay or e-NACH mandate against your bank, so a renewal happens when you make it happen. We email you before a period ends, so please keep a working email address on your account.

A lifetime plan is bought once and does not renew. It is offered to the first 100 households at ₹4,999 and then withdrawn. There is no recurring charge, no expiry date and nothing to cancel.

“Lifetime” means as long as Ahead runs, not as long as you live. If Ahead is closed, we will tell you in advance, your export will keep working as it does on every plan, and part of the price is refunded using a published table: the price is treated as paying for 5 years, and for each year you did not get, you get back a fifth of the price. The table is in the Refund and Cancellation Policy, which is part of these terms.

When a household finally lapses, it is locked, not deleted. You can still sign in, read every screen, take a complete export, and reach the billing page to fix it. What stops is changing things: no new transactions, no assigning money, no edits. We will never hold back your own records to make you pay.

The current price is on the pricing page and is ₹199 a month at the time of writing. The price you see before you pay is the price you pay.

A lifetime plan is not affected by a later price change at all, because there is nothing more to pay.

A price change never reaches a period you have already bought. Every invoice records the price, the tax rate and the plan it was raised under, so what you were charged stays true no matter what the price does afterwards. If we change the price for a future period we will tell you before it applies, in time for you to cancel.

Taxes are charged where they apply, at the rate in force on the day the invoice is raised, and the invoice states it. We are not currently charging GST; if that changes, invoices will carry the GSTIN and the rate.

Cancel whenever you like, from Settings → Billing, without emailing anybody. Cancelling does not cut the period you already paid for. It stops the next renewal, and the days you bought keep running. Change your mind inside that period and you can resume without paying again. A lifetime plan has no renewal to stop, so there is nothing there to cancel.

Refunds are covered by the Refund and Cancellation Policy, which is part of these terms.

You own what you enter. We hold it to run the service and for nothing else. The Privacy Policy has the details, and it is also part of these terms.

It is kept in India. Your financial records are stored on servers in Bangalore and are not stored or processed outside India. Email we send you goes out through a provider in the United States and carries your name and email address, not your records; the Privacy Policy has the detail. We handle your data as a Data Fiduciary under the Digital Personal Data Protection Act, 2023.

The export is never refused. A complete copy of your household’s data is one click away at any time, including while the account is locked for non-payment and on the day you decide to leave.

Deleting a household really deletes it. The records are removed, not just hidden, along with everything attached to them. Download your export first, because we cannot get it back for you afterwards.

We do not promise the service will be available at all times. It is run by a very small team and there is no uptime guarantee, no support SLA beyond the response window above, and no promise that any particular feature will still exist in a year. Where something is planned rather than built, the site says so.

We take backups, but we suggest you also keep your own export.

If we get something wrong, our total liability to you is limited to the amount you paid us in the twelve months before the problem. This is the usual limit for software at this price.

We are not liable for a financial decision you made using the app, for money you lost because a figure was wrong, or for a bank charge you had to pay. The app only calculates with what you entered; it does not know your bank balance and cannot check it.

Nothing here limits liability that cannot lawfully be limited, including for fraud, or for death or personal injury caused by negligence.

You can leave at any time by cancelling and then deleting your household. You do not have to ask, and nobody will try to talk you out of it on the way.

We may end it if you break these terms, if payment fails and stays unpaid well past the grace period, or if we shut the service down. If we ever shut it down, we will give reasonable notice, refund any period paid for and not delivered, and leave the export working until the last day.

We may change these terms. When a change matters to you (the price, what we do with your data, or what you are allowed to do), we will email you before it takes effect. For small fixes, like a typo, we will not.

Every version is dated. This one is dated 6 October 2026. Continuing to use Ahead after a change takes effect means you accept it; if you do not, cancel and export.

These terms are governed by Indian law, and the courts of Mumbai have exclusive jurisdiction.

Before going to court, please write to us at [email protected]. Most disagreements are a misunderstanding about a number, and are quick to fix. The contact page lists every way to reach us, including where to send a complaint.