These Terms of Use govern your access to and use of MyAurum (myaurum.app), operated by the MyAurum team. By creating an account or using the service, you agree to these terms in full.
MyAurum is a personal record-keeping and succession-planning tool with precious metals at its heart. It estimates the indicative market value of physical gold, silver, and platinum based on live spot prices, and additionally records non-metal financial documents (mutual funds, fixed deposits, insurance, etc.) and physical property (real estate, watches, artwork, vehicles) for documentation and succession purposes. It is not a financial advisory, brokerage, investment service, or regulated financial product. Nothing on this platform constitutes financial advice. Prices shown are estimates for informational purposes only.
You must be at least 18 years old to use MyAurum. By registering, you confirm that the information you provide is accurate and that you are using the service for personal, non-commercial purposes.
You are responsible for maintaining the confidentiality of your account credentials. Sensitive fields across holdings, financial records, and property entries — item names, purity grades, notes, held-by names, nominee names, addresses, registration numbers, and identifier numbers — are encrypted at the application layer before being stored. We do not share your data with third parties except as required to operate the service (pricing APIs, payment processor, email delivery).
MyAurum is offered on three tiers. Access differs between free and paid tiers as follows:
| Plan | Access | Price (India) | Price (International) |
|---|---|---|---|
| Free | 30 days of full access on signup (no cap on entries, every feature). After that, view + edit only — new entries require a paid tier. | Free | Free |
| Premium | Up to 200 active entries (metals + records + property + debts combined) | ₹3,000 / year | $30 / year |
| Super Premium | Up to 300 active entries (metals + records + property + debts combined) | ₹6,000 / year | $60 / year |
"Active entries" means holdings that are not marked as sold or gifted, financial records that are not marked as exited, property entries that are not marked as sold, transferred, foreclosed, or lost, and debts that are not marked as closed. Inactive entries (sold, gifted, transferred, exited, closed, etc.) do not count toward paid-tier caps. Enforcement is applied server-side.
Free-tier access is structured in two phases:
Payments are processed by Razorpay. Subscriptions are annual and renew automatically unless cancelled. You may cancel at any time from your profile. Upon cancellation, your access continues until the end of the current billing period. No refund is issued for the unused portion of a paid period, except as required by applicable law.
Super Premium is available only to users with an active Premium subscription.
When you upgrade, your existing Premium subscription is cancelled immediately and a new Super Premium annual subscription begins. You receive a pro-rata credit for the unused portion of your current Premium subscription, applied against the cost of Super Premium at the time of upgrade.
The credit is calculated as: credit = floor(₹600 × remaining_milliseconds / year_milliseconds). The amount due at upgrade is ₹1,200 minus this credit. All arithmetic is performed in integer paise (1 INR = 100 paise) to avoid rounding errors. The exact credit and charge due are shown to you in the payment screen before you confirm.
No refund is issued for the cancelled Premium subscription. The credit is applied solely at the moment of upgrade and has no cash value.
If you hold a paid subscription (Premium or Super Premium) and it lapses without renewal:
Grace period (days 1–30 after expiry): Your account continues to function on your paid tier. You may add entries, record sales or gifts, generate documents, and use all features as before.
After the grace period: Your account returns to the free tier's view + edit mode (Section 4). Every entry remains fully visible and editable, your share link keeps working, and you may generate documents from what already exists. You cannot add new entries without renewing or resubscribing.
If you were on Super Premium and your subscription lapses (or you downgrade to standard Premium), entries 201–300 remain visible but any that fall outside your new tier's cap are read-only (edits and deletion are still permitted) until Super Premium is renewed.
Access at your paid tier is restored immediately upon renewal. No data is ever deleted as a result of a lapsed subscription.
The live portfolio share link remains active as long as your account exists, regardless of subscription status. You may revoke it at any time from your profile.
Succession document and holdings statement generation are Premium features. Documents generated prior to a subscription lapse remain in your possession. The 30-day grace period after expiry allows time to generate any documents you need before your account returns to the free tier's view + edit mode.
Each gift purchase provides the recipient with two years of MyAurum Premium upon redemption, charged at the standard one-year Premium price (₹1,500 for India, $30 internationally). The two-years-for-one-year structure is reserved for gift purchases and is not available for self-purchase.
The buyer chooses a delivery date (today or up to one year forward). On that date, the recipient receives an email containing a redemption link. The recipient has three months from the delivery date to redeem.
Gifts are not transferable or refundable once purchased. If a gift expires unredeemed, the buyer may request a single 30-day extension by replying to the expiry notification email. Only one extension is available per gift; after that, the gift is final.
Upon successful redemption, the two years are added to the recipient's existing premium expiry date (if any), or start from the date of redemption (if not). Once redeemed, the resulting Premium subscription is subject to the same lapse-safe provisions as a self-purchased Premium subscription (see Section 7).
The recipient's email address is used solely to deliver the gift notification. The buyer's name and any personal note are visible to the recipient on the notification email and redemption page; the buyer's email address is not shared with the recipient.
You agree not to use MyAurum to track assets belonging to others without their knowledge, to misrepresent the value of holdings for any legal or financial purpose, or to attempt to circumvent trial-window or paid-tier restrictions through technical means.
We aim for high availability but cannot guarantee uninterrupted access. We reserve the right to modify or discontinue features with reasonable notice. Material changes to these terms will be communicated by email to registered users. Continued use after changes are posted constitutes acceptance of the revised terms.
MyAurum is provided "as is". We are not liable for any financial decisions made on the basis of information shown in the app, for inaccuracies in third-party price data, or for losses arising from service interruption. Our aggregate liability to you for any claim is limited to the amount you paid in subscription fees in the 12 months preceding the claim.
These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.
For questions about these terms, write to us at [email protected].