Terms of Service

By accessing or using Blipko (the “Service”), including the Telegram bot and web dashboard at blipko.app, you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

We may update these terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised terms.

Blipko is an AI-powered expense tracking service delivered via a Telegram bot and a web dashboard. Core capabilities include:

• Natural language expense logging in Malayalam, Manglish, Hindi, and English.
• Voice-note transcription for hands-free entry using Sarvam AI.
• Recurring dues management with automated Telegram reminders.
• Multi-wallet support (Personal, Business, Savings, and custom wallets).
• Family group expense tracking with invite-code-based membership.
• Web dashboard with analytics, vendor management, and transaction history.

The Service is provided “as is” during early access. Features listed on this page reflect what is currently live. Roadmap items are not guaranteed.

You agree not to use Blipko to:

• Record or track transactions related to illegal activities.
• Attempt to reverse-engineer, scrape, or abuse the bot or API.
• Impersonate another person or provide false information.
• Transmit spam, malware, or harmful content via the Telegram bot.
• Circumvent any rate limits, security controls, or access restrictions.

We reserve the right to suspend or terminate accounts that violate these rules without prior notice.

Your privacy matters to us. Our Privacy Policy explains what data we collect, how we use it, and your rights under the India Digital Personal Data Protection Act 2023 (DPDP Act).

By using Blipko you consent to the collection and processing of your data as described in the Privacy Policy. Your messages may be processed by third-party AI services (Google Gemini, OpenAI, Sarvam AI) solely to power the Service.

Blipko is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not warrant that:

• The Service will be uninterrupted, error-free, or secure at all times.
• AI-parsed transaction data will be 100% accurate — always verify important entries.
• The Service will be free of bugs, viruses, or other harmful components.

Blipko is a personal finance assistant, not a licensed financial advisor. Do not rely solely on Blipko for business-critical financial decisions.

To the maximum extent permitted by applicable law, Blipko and its operator (Sadik KP) shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service.

Our total liability to you for any claim arising out of or relating to these terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim (if any).

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts in Kerala, India.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Questions about these Terms? Contact us at sadik.build@gmail.com.

For privacy-related requests, see our Privacy Policy — grievances are acknowledged within 48 hours and resolved within 30 days.