Terms of Service

Last Updated: January 2025

Effective Date: January 2025

1. Acceptance of Terms

Welcome to Capital Friends by Jagadeesh Manne ("Capital Friends," "we," "our," or "us"). By accessing our web application, requesting a copy of the Capital Friends template, or using the Google Sheets template, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, do not use Capital Friends.

What Constitutes "Use"

You are considered to be "using" Capital Friends if you:

• Visit our landing page at capitalfriends.in or jagadeeshkmanne.github.io/capital-friends
• Click "Get My Copy" and create a copy using Google's native copy feature
• Open, view, edit, or interact with your copy of the template
• Use any features, menus, or Apps Script functions within the template

2. Description of Service

Capital Friends is a free, open-source Google Sheets template designed to help families track their wealth, manage financial information, and maintain financial security practices.

2.1 How It Works

1. You Visit the Landing Page: You visit capitalfriends.in or jagadeeshkmanne.github.io/capital-friends
2. You Click "Get My Copy": This opens Google's native spreadsheet copy URL in a new tab
3. You Make a Copy: Google Sheets creates a copy directly in YOUR Google Drive (you own it immediately)
4. You Own It: The sheet is 100% yours from the moment you make the copy - we collect ZERO data from you

2.2 What's Included

Your copy includes:

• Multiple pre-formatted sheets for tracking family members, bank accounts, investments, documents, etc.
• Automated dashboard with net worth calculations and charts
• Apps Script code bound to your copy that provides custom menu items and functions
• Optional security reminder email feature (runs from YOUR Gmail account)
• Portfolio rebalancing recommendations based on target allocations
• All formulas, conditional formatting, and data validation rules

2.3 What's NOT Included

• Financial data (you must enter your own)
• Investment advice or recommendations specific to your situation
• Ongoing support or maintenance from the developer
• Hosting or infrastructure (it uses your Google Drive)
• Data backups (you're responsible for backing up your copy)

3. License & Ownership

3.1 Open Source License

Capital Friends is open source and licensed under the MIT License. The source code is available at: https://github.com/jagadeeshkmanne/capital-friends

This means you are free to:

• Use the template for personal or commercial purposes
• Modify, adapt, or customize your copy
• Redistribute the template (with attribution)
• Inspect the source code to verify functionality

Attribution Requirement: If you share or redistribute Capital Friends, you must retain attribution to "Capital Friends by Jagadeesh Manne" and include a link to the GitHub repository.

3.2 Your Copy Ownership

From the moment you make a copy using Google's /copy feature:

• You are the sole owner of your copy of the Google Sheet
• You have complete control over access, sharing, and permissions
• We (the developers) have ZERO access to your copy or your data
• You can delete, modify, or share your copy as you see fit
• All data you enter belongs to you and stays in YOUR Google Drive

3.3 Our Intellectual Property

While the code is open source, the following remain our intellectual property:

• The "Capital Friends" name and branding
• The logo and visual design elements
• The original architecture and feature design

You may use these elements in your personal copy, but commercial use of the branding requires permission.

4. User Responsibilities

4.1 Accurate Information

You are responsible for:

• Entering accurate financial data into your copy
• Verifying all calculations and formulas
• Keeping your information up to date
• Correcting any errors you discover

4.2 Data Security

You are responsible for:

• Keeping your Google account secure (strong password, 2-factor authentication)
• Managing sharing permissions on your copy (we recommend keeping it private)
• Backing up your copy regularly
• Complying with data protection laws (GDPR, etc.) if you store others' personal information

4.3 Compliance with Laws

You agree to:

• Use Capital Friends in compliance with all applicable laws and regulations
• Obtain consent from family members before entering their personal data
• Comply with tax reporting requirements in your jurisdiction
• Not use Capital Friends for illegal purposes (money laundering, tax evasion, fraud, etc.)

4.4 Google Account Requirements

You must:

• Have a valid Google account to use Capital Friends
• Comply with Google's Terms of Service
• Have sufficient Google Drive storage space for your copy
• Not violate Google's policies when using the Apps Script features

5. Disclaimers & Limitations

5.1 No Financial Advice

Capital Friends is NOT a financial advisor. We do not provide:

• Personalized investment recommendations
• Tax advice
• Legal advice regarding estate planning or asset distribution
• Specific guidance on which investments to buy or sell

The portfolio rebalancing suggestions are based solely on YOUR target allocations and current values. They are mathematical calculations, not professional financial advice.

You should consult qualified professionals (financial advisors, tax accountants, lawyers) for personalized advice.

5.2 No Warranty

Capital Friends is provided "AS-IS" and "AS-AVAILABLE" without any warranties, express or implied, including but not limited to:

• Merchantability: We don't guarantee it's fit for your particular purpose
• Accuracy: Formulas and calculations may contain errors
• Reliability: Features may break or stop working
• Security: No software is 100% secure
• Compatibility: May not work with all browsers or Google Workspace editions

5.3 Limitation of Liability

To the maximum extent permitted by law, we (Jagadeesh Manne and Capital Friends) are NOT liable for:

• Financial Losses: Investment losses, tax penalties, missed opportunities
• Data Loss: If your Google Sheet is accidentally deleted or corrupted
• Calculation Errors: Incorrect formulas leading to wrong net worth figures
• Security Breaches: If someone gains unauthorized access to your copy
• Privacy Violations: If you share sensitive data inappropriately
• Compliance Issues: If using Capital Friends causes you to violate laws or regulations
• Reliance Damages: Losses from relying on the tool's output
• Third-Party Issues: Problems with Google's services (Drive, Sheets, Apps Script)

Maximum Liability: In any case, our total liability will not exceed $0 (zero dollars), as Capital Friends is a free service.

5.4 No Guarantees About Email Reminders

The security reminder email feature:

• May fail to send due to Gmail rate limits or errors
• May be marked as spam by email filters
• Is dependent on Google's Apps Script trigger reliability
• Runs under YOUR account, not ours (we can't troubleshoot delivery issues)
• Gmail Quota Limits: Consumer Gmail accounts are limited to 100 emails per day. If you exceed this (e.g., by sending bulk emails from other scripts), Capital Friends email reports will fail.
• Trigger Reliability: Time-based triggers may occasionally fail or be delayed by Google Apps Script's execution queues
• No Delivery Guarantee: We cannot guarantee emails will be delivered, arrive on time, or avoid spam filters

6. User Conduct

You agree NOT to:

6.1 Prohibited Uses

• Abuse: Overwhelm our system by requesting hundreds of copies
• Reverse Engineering: (Actually, you CAN do this - it's open source! But don't use findings to harm others)
• Impersonation: Claim you created Capital Friends or remove attribution
• Malicious Modifications: Create a modified version that steals users' data
• Spam: Use the email feature to spam yourself or others
• Illegal Activity: Use Capital Friends to facilitate crimes (money laundering, fraud, etc.)

6.2 Acceptable Use Policy

Capital Friends is intended for:

• Personal family wealth tracking
• Portfolio management and rebalancing
• Organizing financial documents and information
• Tracking net worth over time
• Improving financial security practices

It is NOT intended for:

• Managing other people's money professionally (use proper portfolio management software)
• Tax evasion or hiding assets
• Storing passwords or authentication credentials (use a password manager)
• Tracking illegal assets or income

7. Third-Party Services

7.1 Google Workspace Dependency

Capital Friends relies entirely on Google's services:

• Google Sheets: For the spreadsheet functionality
• Google Drive: For storage
• Google Apps Script: For custom menus and automation
• Gmail: For sending email reminders (optional feature)

You acknowledge that:

• Google's Terms of Service and Privacy Policy also apply
• We have no control over Google's services or policies
• If Google changes or discontinues services, Capital Friends may stop working
• We're not responsible for Google outages or service disruptions

7.2 Data Sources

Capital Friends fetches public financial data using:

• IMPORTRANGE: Imports mutual fund NAV prices and stock data from public master databases (maintained by the developer)
• No direct external API calls: Your template does NOT make server-side calls to external websites - all data comes via IMPORTRANGE
• Client-side resources: HTML dialogs load JavaScript/CSS libraries (Tailwind CSS, Fuse.js, Google Fonts) directly in your browser - this is standard web functionality

Capital Friends does NOT use:

• Third-party analytics services
• External databases requiring authentication

7.3 Payment Processing (Razorpay)

Capital Friends is 100% free. However, we accept voluntary donations to help maintain the website required for Google verification.

How Donations Work

• Payment Processor: Donations are processed by Razorpay, a third-party payment gateway authorized by the Reserve Bank of India
• Voluntary: All donations are 100% optional - you can use Capital Friends fully without ever donating
• One-Time: Donations are one-time payments, not recurring subscriptions
• No Benefits: Donations do NOT unlock any premium features (there are none) - Capital Friends remains completely free for everyone
• Non-Refundable: All donations are final and non-refundable (except for genuine payment errors)

Razorpay's Terms Apply

When you make a donation:

• You agree to Razorpay's Terms of Service: https://razorpay.com/terms/
• Your payment data is handled by Razorpay according to their Privacy Policy: https://razorpay.com/privacy/
• We receive only minimal transaction information (transaction ID, amount, timestamp) - NOT your card details or banking credentials
• Razorpay is PCI DSS compliant and uses industry-standard security measures

Donation Policy & Refunds

For complete information about donations, cancellations, and refunds, see our Cancellation & Refunds Policy.

Summary:

• No Subscriptions: There is nothing to cancel - donations are one-time only
• No Refunds: Donations are non-refundable (except for payment errors like double charges)
• Contact for Issues: Email jagadeeshi.k.manne@gmail.com for genuine payment problems

8. Google Apps Script Limitations

Capital Friends runs on Google Apps Script, which is a cloud-based scripting platform provided by Google. This platform has inherent limitations that may affect your experience.

8.1 Execution Time Limits

6-Minute Script Timeout: Google Apps Script enforces a maximum execution time of 6 minutes per script run. This means:

• Complex operations (e.g., calculating portfolio values across hundreds of transactions) may timeout
• Custom menu functions that process large datasets may fail to complete
• Email report generation with extensive data may be interrupted
• You may see error messages like "Script timeout: exceeded maximum execution time"

Workaround: If you encounter timeouts, try reducing the amount of data processed at once or simplifying calculations.

8.2 Email Quotas

Google enforces strict daily email sending limits to prevent spam:

Account Type	Daily Email Limit	Impact on Capital Friends
Consumer Gmail (free)	100 emails/day	Sufficient for daily/weekly reports to 3-5 family members. May fail if you send many emails from other sources.
Google Workspace (paid)	500 emails/day (Business Starter)	Handles large families and frequent reports comfortably.

What Counts Toward Your Quota:

• Each email sent to each recipient counts as 1 email (e.g., sending to 5 family members = 5 emails)
• Emails sent by ALL your Apps Scripts count toward the same quota
• Manual emails sent from Gmail also count toward the quota
• The quota resets at midnight Pacific Time (PT)

8.3 Spreadsheet API Quotas

Google Apps Script has read/write quotas for accessing Google Sheets:

• Read Requests: 20,000 calls per day (consumer), 100,000 calls per day (Workspace)
• Write Requests: 20,000 calls per day (consumer), 100,000 calls per day (Workspace)
• Simultaneous Executions: Maximum 30 concurrent script executions per user

When This Matters: These quotas are very high and unlikely to be reached with normal Capital Friends usage. However, if you:

• Run automated triggers very frequently (e.g., hourly updates)
• Have many other Apps Scripts running simultaneously
• Process extremely large datasets (10,000+ rows)

...you may encounter "Service invoked too many times" errors.

8.4 Trigger Limits

Google Apps Script limits the number of time-based triggers per script:

• Maximum Triggers: 20 time-based triggers per user per script
• Minimum Interval: Hourly (you cannot schedule triggers to run every minute)
• Trigger Reliability: Triggers may be delayed by up to 15 minutes during high Google Apps Script platform load
• Trigger Failures: If a trigger fails 10 times in a row, Google may automatically disable it

For Capital Friends: You'll only use 1-2 triggers (daily/weekly email reports), so this limit is not a concern for typical usage.

8.5 Apps Script Environment Limitations

Other technical limitations to be aware of:

• No External Libraries: Cannot use npm packages or external JavaScript libraries (only Google's built-in services)
• No Persistent State: Scripts cannot maintain state between executions (data must be stored in sheets)
• No Direct Database Access: Cannot connect to MySQL, PostgreSQL, or other databases directly
• Single-Threaded Execution: Scripts run sequentially, not in parallel (no multi-threading)
• Memory Limits: Large data operations may fail due to memory constraints
• Network Request Limits: Limited to 20,000 UrlFetch calls per day

8.6 No Control Over Platform Changes

Google may change Apps Script functionality at any time:

• Deprecated features may stop working without warning
• New restrictions or quotas may be introduced
• Google Sheets formulas may change behavior in updates
• Apps Script APIs may be sunset or replaced

We are not responsible if Google changes affect Capital Friends' functionality. As an open-source project, the community may adapt to changes, but there are no guarantees.

8.7 Authorization and Permissions

Capital Friends requires specific Google OAuth scopes to function. For detailed information, see our Privacy Policy (Section 8: OAuth Scopes).

Important Authorization Notes:

• First-Time Authorization: You'll be asked to authorize permissions when you first use menu features (e.g., "Add Family Member")
• Unverified App Warning: You may see "This app isn't verified" because Capital Friends is not reviewed by Google. This is normal for open-source scripts.
• Advanced Settings: Click "Advanced" → "Go to Capital Friends (unsafe)" to proceed. This is safe because the code runs in YOUR copy under YOUR account.
• Revocable Permissions: You can revoke permissions anytime from Google Account Settings → Security → Third-party apps with account access

9. Data & Privacy

For detailed information about data collection and privacy, see our Privacy Policy.

Summary

• We collect ZERO personal data - no email, no analytics, no tracking
• You use Google's native /copy feature - we're not involved in the copy process
• You own your copy from the first moment - we have ZERO access to your data
• Your financial data never leaves your Google Drive
• All data is protected by YOUR Google account security (AES-256 at rest, TLS 1.2+ in transit)
• The template uses 4 minimal OAuth scopes (spreadsheets.currentonly, gmail.send, script.scriptapp, script.container.ui) - all running under YOUR account in YOUR copy
• We literally CAN'T access your data even if we wanted to - Google's permission model prevents it

10. Modifications to Service

10.1 Right to Modify

We reserve the right to:

• Update the master template with new features or bug fixes
• Modify the landing page interface
• Update these Terms of Service

10.2 Your Copy is Frozen

Important: Once you receive your copy, it's a snapshot of the template at that moment. Updates to the master template do NOT automatically apply to your copy.

If you want new features:

• You can request a new copy (you'll get the latest version)
• You can manually copy features from the GitHub repository
• You can modify your copy yourself (it's yours!)

10.3 Discontinuation

We may discontinue Capital Friends at any time by:

• Stopping distribution of new copies
• Removing the web app
• Archiving the GitHub repository

Your existing copy will continue to work because it's in your Google Drive. However, you'll lose the ability to get new copies or access the web app.

11. Support & Maintenance

11.1 No Guaranteed Support

Capital Friends is a free, open-source project. We provide:

• No guaranteed response time for questions or issues
• No SLA (Service Level Agreement)
• No phone support or live chat
• No priority support options

11.2 Community Support

You can seek help through:

• GitHub Issues: Report bugs or request features at https://github.com/jagadeeshkmanne/capital-friends/issues
• Email: Contact jagadeeshi.k.manne@gmail.com (best effort response)
• Code Review: Inspect the open-source code yourself

11.3 No Maintenance Obligations

We are not obligated to:

• Fix bugs in your copy
• Update formulas if Google Sheets changes functionality
• Maintain backward compatibility
• Provide migration tools if we release a new version

12. Termination

12.1 Your Right to Terminate

You can stop using Capital Friends at any time by:

• Deleting your copy from Google Drive
• Simply not opening it anymore
• Requesting deletion of your data from our tracking sheet (see Privacy Policy)

12.2 Our Right to Terminate

We may refuse to provide copies or block access if:

• You abuse the system (e.g., requesting hundreds of copies)
• You violate these Terms
• You use Capital Friends for illegal purposes
• You harass or threaten the developer

Note: Even if we block you, your existing copy will continue to work (we can't delete it - you own it).

13. Indemnification

You agree to indemnify and hold harmless Jagadeesh Manne, Capital Friends, and any contributors from any claims, damages, or expenses (including legal fees) arising from:

• Your use of Capital Friends
• Your violation of these Terms
• Your violation of any laws or regulations
• Financial decisions you make based on Capital Friends' output
• Privacy violations if you share others' data inappropriately
• Your modifications to the template that cause harm to others

14. Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of India, without regard to conflict of law principles.

14.2 Jurisdiction

Any disputes will be resolved in the courts of India.

14.3 Informal Resolution First

Before filing any legal claim, you agree to contact us at jagadeeshi.k.manne@gmail.com and attempt to resolve the issue informally.

15. Miscellaneous

15.1 Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Capital Friends.

15.2 Severability

If any provision of these Terms is found invalid, the remaining provisions remain in effect.

15.3 No Waiver

Our failure to enforce any provision doesn't constitute a waiver of that provision.

15.4 Assignment

You may not assign these Terms to anyone else. We may assign our rights to any successor or acquirer.

15.5 Force Majeure

We're not liable for failures due to circumstances beyond our control (natural disasters, Google outages, etc.).

16. Changes to These Terms

We may update these Terms at any time. When we do:

• We'll update the "Last Updated" date at the top
• We'll post the new Terms on our GitHub Pages site
• We'll note material changes in the GitHub repository

Your continued use of Capital Friends after changes constitutes acceptance of the new Terms.

If you don't agree with the new Terms, stop using Capital Friends and delete your copy.

17. Contact Information

For questions about these Terms, email jagadeeshi.k.manne@gmail.com with "Terms of Service" in the subject line.

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