Reshta Get the app

Terms of use

Last updated: 27 July 2026

The short version. Reshta is a tool for writing down where your household's money goes. It is not a bank, and it is not financial advice — every number in it is one you typed, and it is up to you to check them. The app is free. Your records belong to you, and you can delete them at any time. Please use Reshta honestly and don't try to break it.

1. Who these terms are with

Reshta is built and run by one person, not a company:

In this document “I” and “Reshta” mean the same thing, and “you” means anyone who uses the Reshta app or this website. Together these are the agreement between you and me.

2. Accepting these terms

By creating an account or using Reshta, you agree to these terms. If you do not agree with them, please do not use Reshta. Your data is handled as described in the privacy policy, which forms part of this agreement.

3. Who can use Reshta

You must be 16 or older to create an account. By signing up you confirm that you are, and that nothing in the law of your country stops you from agreeing to these terms. If I learn that an account belongs to someone under 16, I will close it.

4. Your account

  • Use a real email address you control. You will need it to verify your account and to reset your password.
  • Keep your password to yourself. Anything done through your account is treated as done by you.
  • One account per person. Do not share an account, and do not use someone else's.
  • Tell me at [email protected] if you think someone else has got into your account.

5. Households and shared records

Reshta is built around a household. Your units, transactions and tags belong to the household rather than to you personally. This has real consequences that you should understand before you invite anyone:

  • Every member of your household can see, edit and delete all of its records, including entries and descriptions you added yourself. There is nothing private inside a household.
  • If you add someone to your household, you are choosing to show them your household's financial records. Only add people you trust.
  • If you leave or delete your account and other members remain, the household's records stay with them. They do not leave with you.
  • I cannot take sides in a disagreement between members of a household, and I cannot restore records that another member deleted.

6. What Reshta is, and what it is not

Reshta is a place to record and look at money you have already spent, earned or moved. That is all it does. Specifically:

  • Reshta is not a bank and is not a payment service. It holds no money, moves no money, and cannot pay anyone. It has no connection to your bank, and it never asks for your banking details.
  • Reshta is not financial, tax, accounting, investment or legal advice. Nothing in the app is a recommendation about what to do with your money. If you need advice, speak to a qualified professional.
  • Reshta does not check your numbers. Every unit, amount and description comes from you. If you type the wrong figure, Reshta will faithfully show you the wrong figure. Balances and totals are only as correct as what you entered.
  • Do not rely on Reshta as your only record. It is not an accounting system and is not built to meet any tax, audit or bookkeeping standard. Keep your bank statements, receipts and official records.
  • Currency conversions are indicative only. Exchange rates come from a third-party provider and are refreshed periodically. They will not match the rate your bank or card actually gives you. Never use a converted figure in Reshta for an actual transaction, a tax return, or any official purpose.

7. Your records stay yours

The units, transactions and tags you enter are yours. I do not claim ownership of them, and I do not sell them or use them for advertising.

To run the service, I need your permission to store your records, back them up, and show them to you and to the other members of your household. That permission is limited to operating Reshta, lasts only while your account exists, and ends when you delete it.

The app itself — its code, design, name and logo — belongs to me. These terms let you use Reshta; they do not give you any ownership of it. You may not copy, resell, rent out or rebrand the app, and you may not take it apart or try to derive its source code, except so far as the law of your country gives you that right regardless of what this paragraph says.

8. What you must not do

  • Break the law with Reshta, or use it to record, plan or hide anything illegal.
  • Try to get into another person's account or another household's records.
  • Attack, overload or interfere with the service, including its rate limits and other protections.
  • Probe the service for weaknesses without asking me first. If you find a security problem, please tell me at [email protected]. I welcome that and will not come after anyone who reports a problem responsibly and in good faith.
  • Use bots, scrapers or automated tools against the API, or build another product on top of it, without my written permission.
  • Upload anything unlawful, or anything that infringes someone else's rights.
  • Pretend to be someone else, or sign up on someone else's behalf without their agreement.

9. What Reshta costs

Reshta is free to use today. There is no subscription and nothing to buy inside the app.

If I ever introduce paid features, I will publish updated terms covering them, and I will tell you before anything you already use starts to cost money. You will never be charged without agreeing first.

10. Availability and changes

Reshta is made and maintained by one person, and it is early software. I do not promise that it will always be available, or that it will be free of faults. Please read this section together with sections 12 and 13.

  • The service may be down for maintenance, or because something has broken.
  • Features may be added, changed or removed as the app develops.
  • If I ever have to shut Reshta down for good, I will give you reasonable notice by email so you can get your records out first.

11. Ending your account

You can delete your account from inside the app at any time, and you do not need a reason. Deletion is immediate and permanent. There is no grace period and no way to undo it, so please save anything you want to keep before you press the button. Section 8 of the privacy policy explains exactly what gets erased.

I may suspend or close an account if it is being used to break these terms or the law, if it puts the service or other people at risk, or if I am legally required to. Unless the law stops me or there is a serious and immediate risk, I will tell you why and give you a chance to put it right first. If I close your account for a reason that turns out to be my mistake, I will restore it if I still can.

12. Reshta is provided “as is”

Reshta is provided as it is and as it is available, without warranties of any kind, whether stated or implied. I do not warrant that the app will be uninterrupted, error-free, secure against every threat, or that any calculation or figure it displays is accurate or fit for a particular purpose.

Nothing here takes away rights you have as a consumer that the law of your country does not allow to be taken away. If you are in the EEA or the UK, your statutory rights about digital content and services still apply in full.

13. Limits on my responsibility

Reshta is free, and it is run by one person. To the extent the law allows:

  • I am not responsible for money you lose, decisions you make, or opportunities you miss because of something you saw — or did not see — in Reshta.
  • I am not responsible for indirect or consequential losses, lost profits, lost savings, or loss of data beyond what section 7 of the privacy policy describes.
  • I am not responsible for a household member seeing, changing or deleting records, since that is how households are designed to work.
  • Where I am found responsible for something despite the above, my total liability to you is limited to 100 US dollars, or the amount you paid me in the 12 months before the problem arose, whichever is greater.

Nothing in these terms limits my responsibility for death or personal injury caused by my negligence, for fraud, or for anything else that the law does not allow to be limited.

14. If you got Reshta from the App Store

Apple requires the following, and it applies whenever you use the iPhone app:

  • This agreement is between you and me only. It is not with Apple, and Apple is not responsible for the app or its contents.
  • Your licence to use the app is personal and cannot be transferred. It covers Apple-branded devices that you own or control, and it is subject to the Usage Rules in Apple's App Store Terms of Service.
  • I am solely responsible for support and maintenance. Apple has no obligation to provide either, so please write to me and not to Apple.
  • I am solely responsible for any warranty, whether stated or implied. If the app fails to meet a warranty that applies, you may tell Apple and Apple will refund what you paid for the app, if anything. Beyond that refund, Apple has no warranty obligation to you at all.
  • I am responsible, not Apple, for handling any claim that the app is faulty, causes harm, fails to meet a legal requirement, or breaks consumer protection or privacy law.
  • I am responsible, not Apple, for investigating and settling any claim that the app infringes someone's intellectual property.
  • You confirm that you are not in a country under a US embargo or designated by the US government as supporting terrorism, and that you are not on any US list of prohibited or restricted parties.
  • You must follow any third-party terms that apply when you use the app, such as your mobile carrier's terms.
  • Apple and its subsidiaries are third-party beneficiaries of these terms, and Apple has the right to enforce them against you.

15. Which law applies

These terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-law rules. Any dispute may be brought in the state or federal courts located in the State of Florida.

This does not take away the protection of your home country's law. If you are a consumer in the EEA or the UK, you keep every right given to you by the mandatory consumer law of the country you live in, and you may bring proceedings in your local courts. EU residents can also use the European Commission's online dispute resolution platform.

These terms do not contain a compulsory arbitration clause and do not ask you to give up the right to take part in a class action.

16. Changes to these terms

I may update these terms as Reshta changes. When I do, I will change the date at the top of this page. If a change materially affects your rights or what you owe, I will tell you in the app or by email before it takes effect. If you keep using Reshta after that, you accept the new terms. If you do not agree with them, you can delete your account at any time.

17. Odds and ends

  • If a court finds any part of these terms unenforceable, the rest stays in force.
  • If I do not enforce something straight away, I have not given up the right to enforce it later.
  • You may not transfer your rights under these terms to anyone else. I may transfer mine if Reshta moves to another owner, and I will tell you before that happens.
  • These terms and the privacy policy are the whole agreement between us about Reshta.

18. Contact

Questions about these terms go to [email protected]. It reaches me directly.