The agreement, written to be read.

Ahead is operated by Larissa InfoTech Private Limited, a company registered in India at [ registered address ], 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 a human at [email protected]. One person answers it, in the evenings, and aims to reply within three working days. That is a real promise rather than a generous one, which is the point.

Ahead is a record-keeping tool. You type in what you earned, spent, lent and borrowed, and it does arithmetic on it — envelope budgeting, loan schedules, a sixty-day projection of your balance.

It is not financial advice. Nothing in it is a recommendation to spend, save, borrow or invest, and it deliberately does not rank your choices — when it shows what a purchase would cost you, it stops at the cost. Decisions about your money are yours.

It is not a bank, and it does not move money. It holds no bank credentials, connects to no aggregator, and cannot make a payment on your behalf. Every figure in it is a figure you or somebody in your household typed.

It can be wrong because you were. A projection is built from what has been entered plus your own stated budget. If a transaction is missing or a schedule is out of date, the answer will be confidently wrong, and you should check anything that matters against your bank.

You need an account, and it needs a working email address — that is where a password reset, an invoice and a notice about your subscription go. Keep the password to yourself and turn on two-factor if the 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 all of it — every account, every transaction, every loan. There is no per-screen privacy inside a household, because a shared budget that hides rows is not a shared budget. Invite accordingly.

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 books.

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.

Automated access is fine in moderation for your own data — the export exists precisely so you do not have to scrape. Hammering the API is not.

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 is the whole product, not a reduced one — a budgeting app you cannot use for a full cycle is one you cannot evaluate.

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.

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 — which is why keeping a working address on the account matters more here than it would on a product that simply takes the money.

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 the lifetime of the product, not of the buyer — and because that is a limit rather than a promise, it comes with what happens to the money. If Ahead is discontinued we will say so with notice, your export will keep working as it does on every plan and in every state, and the price is refunded on a published scale: it is treated as paying for 5 years, and the years not delivered come back, a fifth of the price for each. 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 writing: no new transactions, no assignments, no edits. We are not holding your own records hostage to get you to pay — that would be a thing worth being ashamed of, and it is also the fastest way to be sure you never come back.

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 no later charge for a change to reach.

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 is the detail, and it is also part of these terms.

It is kept in India. Your data is stored on servers in Bangalore and is not stored or processed outside India. We handle it 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 including on the day you decide to leave. An app that will hand you your data only while you are paying has answered the easy half of the question.

Deleting a household actually deletes it. Not a flag, not a nightly job — the records are removed, and so is everything attached to them. Take 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 and we would rather you also kept your own export. Both things can be true.

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. That is the ordinary limit for software at this price, and stating it plainly is better than burying it.

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 incurred. The app does arithmetic on what it was told; 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 actually matters to you — price, what we do with your data, what you are allowed to do — we will email you before it takes effect. Fixing a typo, we will not.

Every version is dated. This one is dated 22 September 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 that, please just write to us: [email protected]. Most things that look like a dispute are a misunderstanding about a figure, and those are quicker to fix than to argue about. The contact page has the postal address and the grievance route.