Terms and Conditions

Effective Date: 18 February 2026
Last Updated: 18 February 2026

1. Introduction and Acceptance

Welcome to BaatLo (“Platform”, “Service”, “we”, “us”, or “our”), a web-based group expense splitting and bill tracking application accessible at https://baatlo.com (the “Website”). BaatLo is owned and operated by individual, Anand Rao (“Individual”).

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and the Individual governing your access to and use of the Platform. By creating an account, accessing, or using BaatLo in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any other policies referenced herein.

If you do not agree to these Terms, you must not access or use the Platform. Your continued use of BaatLo after any modifications to these Terms constitutes your acceptance of the revised Terms.

2. Definitions

In these Terms, unless the context otherwise requires, the following capitalised terms shall have the meanings assigned below:

  • “Account” means the registered user account created by you on BaatLo using a valid email address and password.
  • “Content” means any data, text, information, expense records, group names, display names, profile photographs, notes, or other materials submitted, uploaded, or generated through the Platform.
  • “Group” means a collection of two or more members (registered users or ghost members) created on BaatLo for the purpose of tracking shared expenses and settlements.
  • “Ghost Member” means a name-only placeholder member added to a Group by a Group administrator to represent a person who does not have a registered BaatLo account.
  • “Expense” means a financial transaction record created within a Group, documenting an amount paid by one member on behalf of the Group or specific members.
  • “Settlement” means a payment record between two members of a Group intended to resolve outstanding balances.
  • “Invite Link” means a unique URL generated for a Group that allows other users to join that Group.
  • “Third-Party Services” means any services, advertisements, or content provided by entities other than BaatLo, including but not limited to Google Ads.

3. Eligibility

To use BaatLo, you must:

  • Be at least 18 (eighteen) years of age, or the age of majority in your jurisdiction, whichever is higher.
  • Be competent to enter into a legally binding contract under the Indian Contract Act, 1872.
  • Not be a person barred from using the Service under the laws of India or any other applicable jurisdiction.
  • Provide accurate and complete information during registration and maintain the accuracy of such information.

If you are using the Platform on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

4. Account Registration and Security

To access BaatLo’s features, you must create an Account by providing a valid email address, a display name, and a password. You are solely responsible for:

  • Maintaining the confidentiality of your login credentials.
  • All activities that occur under your Account, whether authorised by you or not.
  • Notifying us immediately at [email protected] if you suspect any unauthorised use of your Account.

We reserve the right to suspend or terminate your Account if we reasonably believe that your Account has been compromised, is being used in violation of these Terms, or for any other reason at our sole discretion.

You may have only one Account. Creating multiple accounts to circumvent restrictions, abuse features, or misrepresent your identity is prohibited.

5. Description of the Service

BaatLo is a free, web-based expense splitting tool designed for groups of people who share costs. The Platform provides the following core features:

  • Group Creation and Management: Create groups for roommates, trips, events, office expenses, family, couples, or any shared-cost scenario. Groups support multi-currency settings (INR, USD, EUR, GBP, and others).
  • Expense Tracking: Record expenses with details including amount, description, category, payer, and how the cost is split among group members (equal, unequal, or percentage-based splits).
  • Balance Calculation: Automatically calculate who owes whom within a group, with simplified settlement suggestions to minimise the number of transactions needed.
  • Settlement Recording: Record payments between members to resolve outstanding balances.
  • Member Management: Add registered BaatLo users to groups via their exact email address or create ghost members (name-only placeholders) for people without accounts.
  • Invite Links: Generate shareable invite links that allow others to join your group.
  • Email Notifications: Receive email notifications when expenses or settlements are recorded in your groups. Notifications can be toggled on or off per group.
  • Data Export: Export group expense data in CSV format.
  • Profile Management: Update your display name, first name, last name, and profile photograph.
  • Progressive Web App (PWA): Add BaatLo to your device’s home screen for an app-like experience without downloading from an app store.
  • Dark Mode: Automatic system-preference detection or manual toggle for dark and light themes.
  • BaatLo does not process payments or offer financial products. It only tracks shared expenses and balances.

Important: BaatLo is an expense tracking and record-keeping tool only. The Platform does not process, facilitate, or intermediate any actual monetary transactions, payments, or fund transfers between users. All real-world payments and settlements between group members occur outside the Platform through means determined solely by the users themselves (such as bank transfers, UPI, cash, or any other payment method). BaatLo bears no responsibility for the execution, completion, or failure of any such payments.

6. Acceptable Use Policy

You agree to use BaatLo only for lawful purposes and in accordance with these Terms. You shall not:

  • Use the Platform for any illegal, fraudulent, or unauthorised purpose.
  • Create false or misleading expense records, inflate amounts, or manipulate balances to deceive other group members.
  • Add another person to a Group without their knowledge or consent (when adding registered users by email).
  • Harass, abuse, stalk, threaten, or intimidate other users through the Platform.
  • Attempt to gain unauthorised access to the Platform, other users’ accounts, or our servers and systems.
  • Interfere with or disrupt the integrity or performance of the Platform or its underlying infrastructure.
  • Use automated scripts, bots, crawlers, or scrapers to access the Platform or extract data from it.
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform.
  • Upload any content that is obscene, defamatory, hateful, or violates any applicable law.
  • Use the Platform to launder money, evade taxes, or facilitate any financial crime.
  • Circumvent, disable, or otherwise interfere with any security-related features of the Platform, including rate limiting, nonce verification, and CSRF protections.
  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.

We reserve the right to investigate and take appropriate action against any User who, in our sole discretion, violates this Section, including but not limited to removing Content, suspending or terminating the User’s Account, and reporting the User to law enforcement authorities.

7. User Content and Data

You retain ownership of all Content you submit to BaatLo. By submitting Content, you grant us a limited, non-exclusive, royalty-free, worldwide licence to use, store, process, and display such Content solely for the purpose of providing and improving the Service.

You represent and warrant that:

  • You have the right to submit the Content and that it does not violate any third-party rights.
  • The Content does not contain any material that is unlawful, harmful, defamatory, or otherwise objectionable.
  • Expense records and financial information you enter are accurate to the best of your knowledge.

We do not actively monitor or review User Content but reserve the right to remove any Content that we determine, in our sole discretion, violates these Terms or any applicable law.

8. Intellectual Property Rights

All intellectual property rights in and to the Platform, including but not limited to the software, design, user interface, graphics, logos, trademarks, service marks, and the “BaatLo” brand name, are owned by or licensed to the Individual. These Terms do not grant you any right, title, or interest in our intellectual property except the limited right to use the Platform in accordance with these Terms.

You shall not use, copy, reproduce, modify, distribute, or create derivative works of any part of the Platform or its intellectual property without our prior written consent.

9. Third-Party Advertisements

BaatLo may display advertisements provided by third-party advertising networks, including but not limited to Google Ads (operated by Google LLC and its affiliates). By using the Platform, you acknowledge and agree that:

  • Third-party advertisements may appear on various pages within the Platform.
  • We do not endorse, guarantee, or assume responsibility for any products, services, or claims made in third-party advertisements.
  • Your interactions with advertisers, including any purchases or agreements, are solely between you and the advertiser. We shall not be a party to or liable for any such transactions.
  • Third-party advertisers may use cookies, web beacons, pixels, and similar technologies to serve personalised advertisements based on your browsing behaviour. Please refer to our Privacy Policy and the respective advertisers’ privacy policies for more information.
  • You are responsible for evaluating the suitability, accuracy, and reliability of any advertised products or services before engaging with them.

To learn more about how Google uses data when you use our Platform, please visit Google’s Privacy & Terms page at https://policies.google.com/technologies/partner-sites.

10. Fees and Charges

BaatLo is currently offered as a free service. There are no subscription fees, premium tiers, or in-app purchases at this time. All features are available to all users at no cost.

We reserve the right to introduce paid features, subscription plans, or other monetisation models in the future. If we do so, we will provide reasonable prior notice, and the use of any paid features will be subject to additional terms and conditions that will be presented to you at that time.

Any charges for internet access, data usage, or device costs required to access the Platform are your responsibility and are not covered by us.

11. Privacy

Your privacy is important to us. Our collection, use, storage, and disclosure of your personal information is governed by our Privacy Policy, which is available at our Privacy Policy page and is incorporated into these Terms by reference. By using BaatLo, you consent to the practices described in our Privacy Policy.

12. Account Termination and Deletion

Termination by You: You may delete your Account at any time through the Profile section of the Platform. To delete your Account, you must confirm by entering your password and typing “DELETE”. Upon account deletion:

  • Your personal information (display name, email address, profile photograph) will be permanently removed from the Platform.
  • You will be removed from all Groups you are a member of.
  • Your historical expense and settlement records within Groups will be preserved for the integrity of other members’ records but will be attributed to “Deleted User” and will no longer be linked to your personal identity.
  • Your group ownership will be reassigned to another member where applicable.
  • Account deletion is permanent and irreversible. We cannot restore a deleted Account.

Termination by Us: We may suspend or terminate your Account at any time, with or without cause or notice, if we believe you have violated these Terms, engaged in fraudulent activity, or for any other reason at our sole discretion. Administrator accounts cannot be deleted through the Platform and must be managed through the WordPress administration panel.

13. Disclaimers

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

Without limiting the foregoing, we do not warrant that:

  • The Platform will be uninterrupted, timely, secure, or error-free.
  • The results or calculations provided by the Platform will be accurate or reliable.
  • Any errors or defects in the Platform will be corrected.
  • The Platform will be free from viruses or other harmful components.

Financial Disclaimer: BaatLo is a record-keeping tool and does not provide financial, accounting, tax, or legal advice. The expense calculations, balance computations, and settlement suggestions generated by the Platform are for informational purposes only and should not be relied upon as professional financial advice. You are solely responsible for verifying the accuracy of all expense records and balances, and for resolving any disputes with other group members directly.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE INDIVIDUAL, OR HIS OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES (IF ANY) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

  • Your use of or inability to use the Platform.
  • Any inaccuracies in expense records, balance calculations, or settlement suggestions.
  • Any disputes between group members regarding expenses, settlements, or payments.
  • Any unauthorised access to or alteration of your data or Account.
  • Any third-party content, advertisements, or services accessed through the Platform.
  • Any loss arising from actual monetary transactions or settlements carried out between users outside the Platform.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE PLATFORM EXCEED THE AMOUNT PAID BY YOU TO US (IF ANY) DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR INR 1,000 (INDIAN RUPEES ONE THOUSAND ONLY), WHICHEVER IS LOWER.

NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE INDIAN LAW.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Individual, his officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

  • Your use of the Platform or violation of these Terms.
  • Your Content or any data you submit to the Platform.
  • Your violation of any applicable law, regulation, or third-party right.
  • Any dispute between you and another User or group member.
  • Your negligence or wilful misconduct.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes, claims, or controversies arising out of or relating to these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the courts located at Bengaluru, India.

Notwithstanding the foregoing, we reserve the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our intellectual property rights or other proprietary rights.

17. Dispute Resolution

In the event of any dispute arising out of or in connection with these Terms, the parties shall first attempt to resolve the dispute amicably through good-faith negotiations for a period of thirty (30) days from the date one party notifies the other of the dispute.

If the dispute is not resolved through negotiation, it shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be conducted by a sole arbitrator appointed by mutual consent of the parties, and the seat of arbitration shall be Bengaluru, India. The language of arbitration shall be English.

18. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. When we make material changes, we will:

  • Update the “Last Updated” date at the top of these Terms.
  • Notify you through a prominent notice on the Platform or via email to the address associated with your Account.

Your continued use of BaatLo after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Platform and delete your Account.

19. General Provisions

Entire Agreement: These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and the Individual with respect to the use of the Platform and supersede all prior agreements, understandings, and communications.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorised representative of the Individual.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to any affiliate or successor entity without restriction.

No Agency: Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and the Individual.

Force Majeure: We shall not be liable for any failure or delay in the performance of our obligations under these Terms to the extent that such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, acts of God, war, terrorism, pandemics, government actions, power failures, internet or telecommunications failures, or cyberattacks.

Notices: All notices to us must be sent to [email protected]. We may send notices to you via the email address associated with your Account or through the Platform.

Language: These Terms are drafted in the English language. In the event of any conflict between the English version and a translated version, the English version shall prevail.

20. Grievance Redressal

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of the Grievance Officer are as follows:

Name: Surekha Rao

Designation: Grievance Officer

Email: [email protected]

Address: Bengaluru, India

If you have any grievance relating to the Platform, the processing of your information, or a breach of these Terms, you may contact the Grievance Officer. The Grievance Officer shall acknowledge your complaint within 24 (twenty-four) hours and resolve it within 15 (fifteen) days from the date of receipt, in accordance with the applicable provisions of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (as amended).

21. Contact Information

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:

BaatLo

Bengaluru, India

Email: [email protected]

Website: https://baatlo.com

END OF TERMS AND CONDITIONS