Ettana Terms of Use

Last updated: 1 November 2026

These terms are an agreement between you and HiveThoughts Technologies Private Limited, a company incorporated in India, of Madurai, Tamil Nadu ("HiveThoughts", "we", "us"), for the Ettana app. They add Ettana's specific terms to the HiveThoughts Terms of Service; where they differ, these terms apply to Ettana. By installing or using Ettana you accept them. If you do not, please do not use the app.

The Ettana Privacy Policy explains how information is handled and forms part of these terms.

1. What Ettana is

Ettana helps you track expenses, income, loans and budgets, plan how to clear loans sooner, and see reports, all on your phone. You must be at least 18 years old to use it.

2. Not financial advice

Ettana's calculations — Loan Freedom plans, Loan AI Buddy payoff dates, interest saved, FinScore, budgets, milestone targets and reports — are estimates from the numbers you enter, using standard formulas. They are not financial, investment, tax, legal or credit advice, and we are not your financial adviser. Real results depend on your lender's terms (prepayment rules and charges, fixed or floating rates, rounding) and on things Ettana cannot know. Always confirm with your bank or lender, or a qualified adviser, before acting. Ettana does not offer, arrange or recommend loans.

3. Your information and backups

Your records are stored only on your phone; we do not receive them and cannot recover them. You are responsible for keeping your phone secure and for making backups (Settings → Backup). We are not responsible for loss of data caused by losing or resetting your phone, uninstalling the app, or not having a backup.

Statement import reads PDFs you choose, on your phone. Banks change their statement layouts and some statements cannot be read automatically. Always review imported transactions before saving them; you are responsible for the records you keep.

4. Free trial, free features and Ettana Lifetime

• Free trial: every feature is open for 30 days from the first time you open Ettana. Near the end, or after it ends, you can take a one-time 15-day extension.
• After the trial: expense tracking (without statement import) and Milestones stay free, for as long as Ettana is offered. Other features — including the Home dashboard, loans, income, budgets, statement import, reminders, reports, FinScore, Loan Freedom and Loan AI Buddy — need Ettana Lifetime.
• Ettana Lifetime is a one-time purchase, not a subscription, made through Google Play or the App Store at the price shown there. It unlocks every feature for as long as we offer Ettana on that store.
• Your purchase belongs to your store account. The store records Ettana Lifetime against the Google account or Apple ID you were signed in with when you bought it. It is available only on devices signed in to that same account: use "Restore purchases" on a new phone after signing in with it. A different Google account or Apple ID will not see the purchase, and we cannot move a purchase between store accounts.
• Payments, receipts and refunds are handled by Google or Apple under their own terms. We cannot issue refunds directly.
• Prices may differ between countries and may change. A price change never affects a purchase you have already made.
• Settings → Delete all data does not restart the free trial.

5. Referral program

• To get your own referral code and share it, you sign up on the Hive Rewards website (Settings → Referral program opens it). The app itself needs no account.
• When someone buys Ettana Lifetime with your code, you may earn a reward. The amount, how rewards are collected and paid, and their conditions are set out in the Hive Rewards terms on the Hive Rewards website.
• You may not use your own code on your own purchase, create purchases or codes to earn rewards for yourself, or promote your code by spam or by misleading claims. We may withhold rewards and disable codes involved in abuse.
• We may change or end the referral program. Rewards already earned under the rules at the time will be honoured as the Hive Rewards terms describe.

6. Your licence to use Ettana

We give you a personal, non-exclusive, non-transferable licence to use Ettana on devices you own or control, under these terms and the rules of the store you got it from. You may not copy, resell, modify, reverse-engineer (except where the law allows it), or use Ettana to break any law. Ettana, its name, logo and content belong to HiveThoughts.

7. Changes to Ettana

We may add, change or remove features, and may stop offering Ettana. Features that are free today (section 4) stay free while Ettana is offered. If we stop offering Ettana, the app on your phone and your records will keep working as they are, but may no longer receive updates.

8. No warranty

Ettana is provided "as is". We work to make it accurate and reliable, but we do not promise that it will be error-free, uninterrupted, or that its calculations or imported data are free of mistakes. Nothing in these terms removes rights you have under consumer protection law that cannot be removed by agreement.

9. Limitation of liability

To the extent the law allows, HiveThoughts is not liable for indirect or consequential losses, lost profits, lost data, or for decisions you make using Ettana's estimates. Our total liability for any claim about Ettana is limited to the amount you paid for Ettana Lifetime. Nothing here limits liability that cannot be limited by law.

10. Ending these terms

You can stop at any time by uninstalling Ettana. We may end your licence if you seriously break these terms. Sections 2, 3, 8, 9 and 11 continue after that.

11. Law and disputes

These terms are governed by the laws of India. Courts in Madurai, Tamil Nadu have jurisdiction, without taking away any right you have to bring a claim where you live under your local consumer law. Please contact us first; most problems can be sorted out quickly.

12. App Store users

If you got Ettana from Apple's App Store:

• These terms are between you and HiveThoughts only, not Apple. HiveThoughts, not Apple, is responsible for Ettana and its content.
• Your licence is limited to Apple-branded devices you own or control, as allowed by the App Store's Usage Rules.
• Apple has no obligation to provide maintenance or support for Ettana.
• If Ettana does not match any applicable warranty, you may tell Apple, and Apple will refund the purchase price, if any. To the extent the law allows, Apple has no other warranty obligation for Ettana.
• HiveThoughts, not Apple, handles any claims about Ettana, including product liability, failure to meet legal or regulatory requirements, and consumer protection or privacy claims.
• HiveThoughts, not Apple, is responsible for investigating and handling any claim that Ettana infringes someone's intellectual property rights.
• You confirm you are not in a country under a US Government embargo or designated as "terrorist supporting", and are not on a US Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

Questions about Ettana go to us at the contact below.

13. Changes to these terms

We may update these terms. We will change the date at the top and, for important changes, tell you in the app or on our website before they apply. Continuing to use Ettana after that means you accept the updated terms.

14. Contact

HiveThoughts Technologies Private Limited, Madurai, Tamil Nadu, India · admin@hivethoughts.in · https://hivethoughts.in