1. Who we are
AutoGrow Tools is an online set of tools (for example Reel Studio and Health & Wealth Coach) run by AutoGrow Marketing Services, Vadodara, Gujarat, India (“we”, “us”, “AutoGrow”). For data protection law we are the Data Fiduciary for the personal data you give us.
2. Accepting these terms
By creating an account, ticking “I agree”, or using any tool, you accept these Terms and this Privacy Policy. If you do not agree, please do not use the service. Some tools show extra rules inside them; those form part of these Terms.
3. Who can use the service
- You must be 18 years or older, or use it with the permission and supervision of a parent or legal guardian.
- You must give true information and use the service only as allowed by Indian law and the law where you live.
- Business, clinic or organisation partners who give the service to their customers or patients may have a separate written agreement; where it differs, that agreement applies to them.
4. Your account
- Keep your password secret. You are responsible for what happens in your account.
- Tell us quickly if you think someone else used your account.
- Voice links (for example the Apple Watch / phone shortcut link) work like a key: anyone with the link can add entries. Do not share it. You can make a new link any time in the app, which stops the old one.
5. What the tools do — and do not do
The tools help you record, organise and understand your own information and create content. They give general information and suggestions. Results such as calorie numbers, savings plans, debt-free dates, earning ideas, routines, categories and AI answers are estimates and can be wrong. Always check important numbers before you act on them.
6. Health guidance disclaimer
- Health & Wealth Coach is a wellness and habit tool. It is not a medical device and does not diagnose, treat, cure or prevent any disease.
- It does not replace a doctor, dietitian, physiotherapist or other qualified professional. If you have a medical condition, are pregnant, take medicines, have had surgery, or are under or over weight, talk to your doctor before changing food, exercise, fasting or sleep.
- Stop any activity and get medical help if you feel pain, dizziness, breathlessness or any warning sign. In an emergency, call 112 or go to the nearest hospital.
- Steps, calories and other numbers from phones, watches or estimates may not be accurate.
- If a doctor, clinic or other partner recommended this tool to you, they are responsible for their own medical advice; we are responsible only for the software.
7. Money guidance disclaimer
- We are not a bank, lender, CA, tax adviser, SEBI-registered investment adviser or research analyst. Nothing in the tools is an offer, a recommendation to buy or sell any investment, insurance or loan, or tax/legal advice.
- Budgets, savings goals, debt plans and extra-earning ideas are general planning help based only on what you entered. Your real situation may be different.
- Before taking or closing a loan, investing, buying insurance or filing tax, speak to a qualified, registered professional. Earnings from any side work are not guaranteed.
8. AI features
- Some features (coach tips, answers, plans, reports, sorting, food estimates, routines) are made with the help of a trusted third-party AI service.
- When you use these features, only the information needed for that answer (for example your goals and a short summary of recent entries) is sent to the AI service over a secure connection. Your name and email are not sent unless you type them yourself.
- Under its business terms, the AI service does not use this information to train its AI models. It may keep it for a short time for safety and abuse checks, as its terms allow.
- AI can make mistakes or sound more certain than it is. Treat AI answers as suggestions, not facts or professional advice.
- AI features may have monthly limits depending on your plan, and may sometimes be unavailable.
- Voice: when you hold the 🎤 button, your short voice recording may be sent to a trusted third-party speech service only to turn it into text. The recording is deleted from our server right after, and the service does not use it to train its AI under its business terms. Only the text is saved, encrypted, like a typed entry.
9. Your content
- What you type, speak or upload stays yours. You give us permission to store and process it only to run the service for you (and, if you allow it, to improve the tool as explained in section 14).
- Do not upload anything you have no right to use, or anything illegal, hateful or harmful. For content tools (like Reel Studio), you are responsible for having the rights to images, music and text you use and for following platform rules where you post it.
10. Fair use — what is not allowed
- Breaking, overloading, scanning or reverse-engineering the service, or trying to reach other people’s data.
- Using bots or scripts to create accounts or misuse free plans or AI limits.
- Reselling or copying the service without our written permission.
- Using the service for anything illegal, fraudulent or harmful.
We may limit, suspend or close accounts that break these rules.
11. Plans, payments and refunds
- Free plans have limits shown in the app. Paid plans give the features and limits shown at the time you buy.
- Prices include or exclude taxes as shown at checkout. Payments are handled by the payment provider; we do not store your card or UPI PIN.
- Refunds follow the refund rule shown on the plan page at the time of purchase. Where no rule is shown, you may ask for a refund within 7 days of your first payment for a plan if you have not used its paid features much; we decide fairly and in line with consumer law.
- If we change prices, the new price applies only from your next billing period, and we will tell you before.
12. What data we collect
- Account: name, email, mobile number, password (stored only as a secure hash), plan, login times, device/browser type.
- What you enter in tools: for Health & Wealth Coach this can include money entries (amount, category, notes, what you said), income sources, costs, loans, savings, goals, health numbers (steps, water, sleep, weight, height, age, workout, mood, food, calories), habits, health conditions you choose to tell, your onboarding answers and reminders.
- From your phone or watch — only if you set it up: step, sleep, calorie and similar numbers sent by your shortcut.
- Usage: which screens and features are used, errors, and AI usage counts.
- Feedback you send us.
Health conditions and money details are sensitive. Tell us only what you are comfortable with — most questions are optional.
13. Why we use it
- To run the tools for you: save entries, make charts, totals, plans, tips, reminders and AI answers.
- To keep the service safe, prevent misuse and fix problems.
- To send important account messages (for example sign-up codes or changes to these terms).
- To improve the tool — only as explained in section 14.
- To follow the law.
We never sell your personal data, never rent it, and never give it to advertisers.
14. Consent and your choices
- Required consent: to use the tool you agree that we process your data as described here to run the service.
- Optional consent — “Help us make the tool better”: if you tick it, we may use your usage and entries, without your name or contact details, for analysis to improve the tool. This is done by automatic analysis (including a third-party AI service) that produces only combined, anonymous summaries across many users — for example “many people stop at the loans question” or “these words were not understood”. No person at AutoGrow reads your individual entries, and the results are never used to target you, never sold and never used for anything else.
- You can turn the optional consent off any time in Settings. From then on your data is not used for this. Summaries already made stay, because they do not contain your personal data.
- Even without the optional consent, we count general numbers (for example how many people use a feature) to run and plan the service; these counts do not include what you wrote.
15. Who we share data with
Only with service providers who help us run the service, under contracts or terms that require them to protect it, and only as much as needed:
- Web hosting and database provider (our servers).
- A third-party AI service, for AI features (section 8) and anonymous improvement analysis (section 14).
- A third-party speech service, only to turn your voice recordings into text (section 8).
- Email provider, for account emails.
- Payment provider, if you buy a plan.
- Analytics and advertising measurement tools (section 19) — these see page visits, not your entries.
We may also share data if the law, a court or a government authority requires it, to protect someone’s safety, or if the business is merged or sold (the new owner must follow this policy). Some providers may store or process data outside India; we use providers with appropriate protection and follow any restrictions set by Indian law.
16. How we protect data
- Your notes, what you say and your onboarding answers are encrypted (AES-256) before saving, and the key is kept separate from the database.
- Passwords are stored only as secure hashes. The connection uses https when available.
- Admin screens do not show anyone’s notes or transactions. Access to servers is limited.
- No system is 100% safe. If a data breach affects you, we will inform you and the authorities as required by law.
17. How long we keep data
- We keep your data while your account is active.
- If you delete data or your account, it is removed from the live system right away or within 30 days, and from backups within 90 days, unless the law requires us to keep something longer (for example payment records).
- Accounts with no login for 3 years may be deleted after we warn you by email.
18. Your rights
- See and download your data (Settings → Export).
- Correct or update your data.
- Delete your data or account (Settings → Delete everything).
- Withdraw optional consent any time.
- Nominate a person to use these rights for you in case of death or incapacity (write to us).
- Complain to our Grievance Officer (section 25) and, if not satisfied, to the Data Protection Board of India.
19. Cookies and analytics
We use one essential login cookie to keep you signed in. On public pages and inside tools we may use Meta Pixel and Google Analytics to measure visits and sign-ups. They receive page addresses and device information — never your entries, amounts, notes or health numbers. You can block these with your browser or an ad blocker; the tools will still work.
20. Children
The service is not meant for children under 18 without a parent or guardian. We do not knowingly track children or show them targeted advertising. If you believe a child gave us data without permission, contact us and we will delete it.
21. Changes, suspension and closing
- We keep improving the tools and may add, change or remove features.
- If we change these Terms in an important way, we will show it in the app or email you before it applies. Using the service after that means you accept the new Terms.
- You may stop using the service and delete your account any time. We may suspend or close accounts for misuse, non-payment or legal reasons, and will try to let you download your data first where possible.
22. Limits of our responsibility
- The service is provided “as is” and “as available”. We work to keep it running and correct, but we do not promise it will always be available, error-free or suitable for your purpose.
- To the extent the law allows, we are not responsible for indirect losses, lost profits, lost data you did not back up, or decisions you make based on estimates, suggestions or AI answers.
- To the extent the law allows, our total responsibility for any claim is limited to the amount you paid us in the 12 months before the claim, or ₹1,000 if you used a free plan.
- Nothing here removes rights you have under consumer protection law that cannot be removed.
23. Indemnity
If you misuse the service, break these Terms or someone’s rights, and this causes a claim against us, you agree to cover the reasonable costs of that claim.
24. Law and disputes
These Terms follow the laws of India, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. Please contact us first — most problems can be solved quickly. If not, courts at Vadodara, Gujarat will have jurisdiction, without affecting any right you have to approach a consumer forum.
25. Grievance officer and contact
Grievance Officer: the owner of AutoGrow Marketing Services, AutoGrow Marketing Services, Vadodara, Gujarat, India. Contact: the 💬 Feedback button inside the app or the Account page.
We will acknowledge complaints within 24–48 hours and try to resolve them within 15 days (or sooner where the law requires).
26. Other legal points
- If any part of these Terms is found invalid, the rest still applies.
- If we do not enforce a rule straight away, we can still enforce it later.
- We are not responsible for delays caused by events outside our control (for example internet or power failures, natural disasters, or government action).
- These Terms, the Privacy Policy and any extra rules shown in a tool are the full agreement between you and us about the service.
© 2026 AutoGrow Marketing Services. Version 9 November 2026.