Last updated: 2026
By creating an account or using Dhar (the "App"), you agree to these Terms. If you do not agree, please do not use the App.
You must provide a valid phone number to register and keep your credentials secure. You are responsible for activity under your account.
Dhar helps you record personal finances and loans. Financial figures you enter are your own records; the App does not move money or provide financial, legal or tax advice.
When you share a loan with another user, limited details (amount, direction, your name/phone) are shared with that user so both sides can track it. Do not share loans you did not agree upon.
Your personal financial data belongs to you. It is stored on your device and, if you enable cloud sync, as end-to-end encrypted backups that we cannot read.
Do not misuse the App, attempt to breach security, or use it for unlawful purposes.
The service is provided "as is" without warranties. We may update, suspend or discontinue features, and may update these Terms; continued use means acceptance.
You may delete your account and data at any time — see Delete Account.