Terms of Use
Last updated 17 August 2026
What Maal is
Maal is a personal budgeting tool. It records what you tell it and does arithmetic on it. It is not a bank, not a payment service, and not a licensed financial adviser. It does not hold, move or have access to any money.
It is not financial advice
Figures, forecasts, budget warnings and reminders in the app are calculated from the data you enter. They are there to help you see your own numbers, not to tell you what to do with them. Decisions about borrowing, saving, spending or investing are yours, and are worth taking to a qualified adviser where the stakes call for one.
Accuracy
The app can only be as accurate as what is typed into it. It does not connect to any bank and cannot verify a balance, a due date or a rate against a real account. Always check anything that matters — a payment due date, an outstanding balance — against your bank's own statement.
Your data is your responsibility
Everything lives on your device and nowhere else. We hold no copy, so we cannot restore anything for you. Losing, resetting or replacing your device without a working device backup means losing the data in the app. Keep your device backup switched on if the records matter to you.
Acceptable use
Use the app for your own personal record-keeping. Do not attempt to reverse-engineer it for the purpose of redistributing it, or use it to do anything unlawful.
Third-party names and marks
Bank, wallet and payment provider names and logos shown in the app are the property of their respective owners and are used only to help you identify your own accounts. Their appearance does not imply any partnership with, endorsement by, or affiliation with those institutions. Maal is not affiliated with any bank or financial institution.
Provided as is
Maal is provided without warranty of any kind, to the fullest extent permitted by law. We do not warrant that it will be uninterrupted or error-free. To the extent the law allows, we are not liable for any loss arising from your use of the app, including financial loss resulting from reliance on figures it displays.
Changes
These terms may be updated as the app changes. The current version is always the one on this page, with its date at the top.