Clear terms for planning what matters.

1. Welcome to GoalBay

GoalBay is a personal savings planning and tracking application developed and operated by an independent individual developer under the MAWSI brand.

These Terms explain how GoalBay works, what you can expect from the service, and the responsibilities that come with using it.

By creating an account or using GoalBay, you agree to these Terms.

2. What GoalBay Does

GoalBay is designed to help individuals and families:

• Understand their monthly financial position
• Plan and organize savings
• Create life goals, including debt-repayment goals
• Connect savings to goals and track progress over time
• Record loan-repayment plans, installments, and estimated payoff information
• Review monthly due amounts and payment schedules
• Complete or reactivate goals and savings while preserving useful history
• Recover eligible deleted records during the applicable Trash period
• Receive relevant notifications
• Learn the product through a guided tour
• Access educational savings guidance

GoalBay is a personal organization and planning tool.

It is not a bank, lender, broker, trading platform, wallet, payment institution, insurance provider, mutual-fund distributor, credit-repair service, or investment adviser.

3. Your GoalBay Account

Some GoalBay features require an account. GoalBay accounts and GoalBay Home membership are intended for people aged 18 or above.

You are responsible for keeping your login details secure, enabling available two-step verification where appropriate, reviewing signed-in devices, and providing accurate information when using the service.

Your GoalBay account is intended to give you access to your own private planning information across supported devices and platforms.

4. Information You Enter

GoalBay works using information you choose to provide, such as:

• Average monthly income, dated income entries, income sources, expenses, and household expenses
• Savings, installments, deposits, and linked goals
• Insurance-related and gold savings
• Life goals and debt-repayment goals
• Loan type, lender, principal, EMI, interest, tenure, and repayment details
• Target values, due dates, maturity details, and payoff dates
• Reminder schedules and optional notes

You are responsible for ensuring that the information you enter is reasonably accurate.

GoalBay should not be used to store banking passwords, OTPs, UPI PINs, card PINs, CVVs, or similar authentication credentials.

4A. Spend Tracker

The Spend tracker organizes information you enter and may calculate monthly totals, category budgets, recurring entries, event-ledger totals, and comparisons. You may save reusable account nicknames for expense entry, but must not enter account numbers, card numbers, banking credentials, PINs, or OTPs. A ledger groups related expenses such as those for a ceremony, trip, or project. You decide whether a ledger's expenses reduce GoalBay's available-income calculation. Recurring entries are generated from the schedule you choose when GoalBay is opened; you remain responsible for reviewing them against actual transactions. GoalBay does not connect to or independently verify your bank account, and its displayed balance is a planning calculation rather than a bank balance.

4B. Lender

Lender is an optional feature for keeping shared records of money you lend, borrow, or split with people you know. GoalBay provides the record-keeping tool only: it is not a party to any loan or split, does not hold or transfer money, does not collect debts, and does not verify that any amount was paid or is owed.

Only link with, invite, or add expenses for people you know and who expect to share a record with you. Links are mutual and permanent once accepted. Entries, settlements, and group activity are visible to the other participants, so do not enter passwords, banking credentials, or anything you would not want them to see. Entries that already have a linked payment cannot be deleted, and a group can be deleted by its creator once everyone is settled up.

Deleting your account deletes your Lender links, group memberships, and entries, which may remove those records for other participants. Harassment, abuse of link requests or invitations, or attempts to look up other people's accounts may lead to restriction or suspension.

5. GoalBay Free

GoalBay provides a Free plan intended to remain genuinely useful.

The current Free-plan structure includes:

• Up to 2 active life goals
• Up to 8 active savings records
• Unlimited completed or historical goals
• Unlimited completed or historical savings records
• Income, expense and household planning
• Monthly planning tools
• Dashboard and savings tracking
• Monthly tracker
• Activity/history
• Monthly reports
• Deleted goal and saving recovery for up to 10 days
• A monthly push notification showing savings or installments due during the current month

Completed or historical records do not count toward the active-record limits.

6. GoalBay Plus

GoalBay Plus is an optional paid subscription that provides additional functionality.

Plus may include:

• Unlimited active life goals
• Unlimited active savings records
• Installment status tracking
• Custom reminders
• Deleted goal and saving recovery for up to 30 days
• Access to Guidance
• Future yearly reports
• Future export functionality
• Additional planning features introduced over time

Some features may initially be marked Beta, which means they may continue to evolve as GoalBay develops.

6A. GoalBay Home

GoalBay Home is an optional family subscription. Home includes all GoalBay Plus features and a shared Family space for up to five signed-in adults total, including the purchaser.

The purchaser is the Organizer. Every member must be aged 18 or above, joins using their own GoalBay account, and retains a private Mine space. GoalBay does not offer creation of new managed profiles for people under 18. Only data placed in Family is shared; Mine data is not automatically shared with the Home.

If Home ends, existing Family data remains visible but becomes read-only until Home is renewed. Members may still leave or be removed for account and privacy control. Plus by itself does not unlock Family. App Crew pricing and administrative App Crew grants do not apply to Home.

6B. One-Time Free Month

An eligible GoalBay account may choose one non-renewing free access period of 30 days for either GoalBay Plus or GoalBay Home. The choice is shared across both plans: using the free month for one plan means the same account cannot later claim another free month for the other plan.

The free month does not require payment details, does not automatically become a paid subscription, and does not create an automatic charge. Access ends at the displayed server-recorded expiry time unless the user separately purchases a subscription.

Eligibility is attached to the authenticated GoalBay account and is recorded by GoalBay's protected backend. Uninstalling or reinstalling the app, clearing local data, changing devices, or switching between the website and app does not reset the free month. GoalBay may refuse or withdraw access obtained through manipulation, duplicate-account abuse, or unauthorized interference.

7. Subscription Pricing

Current planned pricing in India is:

GoalBay Plus

Monthly: ₹49
Annual: ₹429

GoalBay Home

Monthly: ₹99
Annual: ₹867 (approximately 27% less than twelve monthly payments)

App Crew Plus Pricing

Monthly: ₹39
Annual: ₹349

App Crew pricing applies only to Plus and does not apply to Home. The price displayed at checkout is the price that applies to your purchase.

Prices may vary depending on:

• Country
• Currency
• Taxes
• Payment provider
• Application store
• Regional pricing
• Future pricing updates

Material subscription information, including price and billing period, will be shown before purchase.

8. App Crew

App Crew status is granted manually by the GoalBay administrator.

It is not a separate subscription plan.

App Crew members receive access to discounted GoalBay Plus pricing.

App Crew status does not:

• Activate Plus automatically
• Provide additional Plus features
• Provide early-access features
• Change the security or privacy protections of the account

An App Crew member who does not have an active Plus subscription continues to use GoalBay Free.

App Crew eligibility may remain on the account even after Plus is cancelled.

9. Subscription Renewal

Monthly and annual GoalBay Plus subscriptions are recurring subscriptions unless stated otherwise during checkout.

Depending on the platform, subscriptions may be processed through:

• Google Play
• A supported web-payment provider
• Apple App Store in a future iOS version
• Other supported payment providers

Subscriptions may renew automatically at the end of each billing period until cancelled.

10. Managing Your Subscription

Subscriptions are generally managed through the provider through which they were purchased.

For example:

• Google Play subscriptions are managed through Google Play
• Website subscriptions are managed through the applicable web-payment provider
• Future App Store subscriptions may be managed through Apple

GoalBay may display where your active subscription is managed.

11. Cancelling GoalBay Plus

You can cancel your recurring subscription through the provider that manages it.

Cancelling normally stops the next renewal.

Your Plus access may continue until the end of the billing period you have already paid for.

Uninstalling GoalBay does not automatically cancel a subscription.

12. If a Payment Fails

Payment providers may use processes such as retries, grace periods, or account hold when a renewal payment cannot be completed.

GoalBay Plus access may continue while the payment provider still recognizes an active entitlement.

If the entitlement expires or becomes inactive, the account may return to GoalBay Free until the subscription is restored.

13. What Happens When Plus Ends

Ending a Plus subscription does not mean losing your GoalBay data.

Your existing:

• Goals
• Savings records
• Historical information

remain available.

If you have more active records than the Free plan allows, GoalBay may prevent you from creating additional active records until your count returns within the Free limits or you subscribe to Plus again.

Your existing records are not deleted simply because Plus ends.

This reflects one of GoalBay's core principles:

Subscription unlocks features. Your data remains yours.

14. Cross-Platform Access

GoalBay is designed to support account access across:

• Website
• Android
• Future iOS applications

Where supported, a valid GoalBay Plus entitlement associated with your account may be recognized when you use GoalBay on another supported platform.

You should avoid creating unnecessary duplicate subscriptions through multiple providers.

15. Refunds

Refund availability depends on factors such as:

• The provider used for payment
• Application-store policies
• Applicable consumer laws
• The circumstances of the transaction

Where a purchase is processed by Google Play, Apple, or another provider, their applicable refund rules may apply.

Cancelling a subscription does not automatically mean that a previous payment will be refunded.

16. Notifications and Reminders

GoalBay may send notifications relating to:

• A fixed 10:00 PM Android-device reminder to finish the day's expense entries
• Monthly savings, installments, or loan repayments
• Custom reminders for eligible Plus users
• Account security
• Subscription status
• Important service information

The daily expense reminder follows the signed-in phone's local time and is not user-editable inside GoalBay. Notification delivery depends on your device, operating system, internet connection, notification permissions, battery-management settings, and supported-device limits.

For this reason, GoalBay should be used as a helpful planning tool rather than the only method of remembering an important financial due date.

16A. Optional Crash Reporting and Diagnostics

GoalBay offers optional Android crash reporting through Google Firebase Crashlytics and optional website crash reporting through GoalBay's protected Supabase backend to help identify technical failures and improve reliability.

Crash reporting is off by default and requires your permission separately on each installed Android device or browser. You can allow, decline, or later disable it from Toolbox > Privacy & diagnostics.

Approved Android reports may contain sanitized technical error details, release information, Android and device information, and random Firebase or Crashlytics installation and session identifiers. Approved website reports may contain a sanitized error type and stack frames, broad GoalBay route, browser and operating-system family, screen-size range, event time, and technical fingerprint. GoalBay does not intentionally add financial-planning values, form contents, account identity, credentials, authentication tokens, full URLs, screenshots, session recordings, or keystrokes.

Crash reporting is a diagnostic aid and does not guarantee that every failure will be detected or corrected immediately. More information is provided in the GoalBay Privacy Policy.

16B. User-Submitted Bug Reports

GoalBay provides a bug-report form on the website and Android app. You are responsible for ensuring that descriptions and optional photos you submit are relevant and that you have the right to share them.

Do not include passwords, OTPs, payment credentials, bank-login details, illegal material, malicious files, unnecessary financial information, or another person's private information. GoalBay may rate-limit or reject reports and attachments to protect the service. Submission does not guarantee an individual response or a specific correction date.

17. Guidance, Calculations, and Financial Information

GoalBay Guidance is intended to provide simple, educational information relating to personal savings and household planning.

GoalBay does not provide personalized regulated investment advice.

GoalBay does not recommend individual:

• Stocks
• Mutual funds
• Securities
• Cryptocurrency investments
• Buy or sell transactions

GoalBay does not guarantee any specific financial result.

Calculations and projections—including bank-savings interest illustrations, maturity estimates, goal completion insights, and loan payoff information—are approximate and depend on the information you provide. Actual provider rates, fees, taxes, compounding, payment allocation, and results may differ.

18. Account Deletion

GoalBay provides an option to delete your account.

When an account is deleted, associated personal GoalBay data will be deleted or anonymized according to the GoalBay Privacy Policy, subject to any information that may legitimately need to be retained.

Account deletion and subscription cancellation are separate processes.

If you have an active subscription through an external provider, you should also manage that subscription through the provider through which it was purchased.

19. Using GoalBay Responsibly

GoalBay is designed for normal personal use.

Please use the service in a way that respects:

• Other users' privacy
• GoalBay's security systems
• Applicable laws
• The integrity of the application

Activities intended to gain unauthorized access to other accounts, interfere with the service, or manipulate paid access may result in access being limited or suspended where reasonably necessary.

20. Service Availability

GoalBay may occasionally be updated, improved, or temporarily unavailable.

This may happen because of:

• Maintenance
• New features
• Security updates
• Infrastructure changes
• Technical issues
• Third-party service interruptions

GoalBay aims to provide a reliable service but cannot guarantee uninterrupted availability at all times.

21. Third-Party Services

GoalBay relies on third-party technology providers for certain features.

These may include:

• Supabase, including protected website crash-report storage
• Hosting providers
• Email providers
• Notification services
• Payment providers
• Google Play
• Google Firebase Crashlytics for optional Android crash reporting
• Future Apple services

These providers may have their own terms and policies.

GoalBay is not responsible for third-party outages or matters outside the independent developer's reasonable control.

22. GoalBay and MAWSI

GoalBay is the product name.

MAWSI is the brand under which GoalBay is presented by the independent developer.

References to MAWSI do not mean that MAWSI is an incorporated company, partnership, or other registered legal entity.

23. Intellectual Property

The GoalBay application, interface, branding, graphics, icons, text, software, and original materials may be protected by applicable intellectual-property laws.

You retain ownership of the personal information and financial-planning data you enter into GoalBay.

GoalBay processes that information only as necessary to provide the service.

24. Responsibility for Financial Decisions

GoalBay is intended to help you organize and understand your personal savings plans.

Financial decisions remain your responsibility.

GoalBay does not guarantee that using the application will:

• Increase savings
• Reduce expenses
• Achieve a particular goal
• Produce any specific financial return
• Guarantee maturity values
• Improve your financial position

Where necessary, you should seek advice from a suitably qualified professional.

25. Limitation of Responsibility

To the extent permitted by applicable law, GoalBay and its independent developer are not responsible for losses arising solely from matters such as:

• Incorrect information entered by the user
• Decisions made based on user-entered information
• Missed notifications
• Changes in financial-product terms
• Changes in interest rates or market values
• Third-party service interruptions
• Payment-provider issues

Nothing in these Terms limits rights or responsibilities that cannot legally be limited.

26. Privacy

Your use of GoalBay is also governed by the GoalBay Privacy Policy.

The Privacy Policy explains how information is handled, protected, retained, and deleted.

27. Changes to GoalBay or These Terms

GoalBay will continue to develop over time.

These Terms may be updated when:

• Features change
• Subscription functionality changes
• Payment methods change
• Platform requirements change
• Legal requirements change

The Last Updated date will be revised when changes are made.

28. Governing Law

These Terms are intended to operate under applicable laws of India, while respecting any mandatory legal rights available to users in their location.

If you have a concern, we encourage you to contact GoalBay Support first so we can try to resolve it directly.

29. Contact

GoalBay is developed and operated by an independent individual developer under the MAWSI brand.

For questions about GoalBay, your account, subscriptions, or these Terms:

GoalBay Support
Independent Developer
Email: support@mawsi.in
Website: https://www.goalbay.mawsi.in