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 tool that estimates the indicative market value of physical precious metals — gold, silver, and platinum — based on live spot prices. 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 holding fields — item names, purity grades, notes, held-by names, and nominee names — are encrypted at the application layer before being stored. MyAurum cannot read these fields without your password. 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:
| Plan | Active holdings cap | Price (India) | Price (International) |
|---|---|---|---|
| Free | Up to 20 | Free | Free |
| Premium | Up to 200 | ₹600 / year | $15 / year |
| Super Premium | Up to 300 | ₹1,200 / year | $30 / year |
"Active holdings" means holdings that are not marked as sold or gifted. Sold and gifted records do not count toward your cap. Cap enforcement is applied server-side. If you reach your plan's cap, you will not be able to add further active holdings until you upgrade or reduce your active holding count.
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.
Free-tier users with 20 or fewer active holdings are unaffected by this section — their accounts remain fully functional at all times.
If you hold a paid subscription (Premium or Super Premium) and it lapses without renewal, the following applies based on your active holding count at the time of lapse:
Grace period (days 1–30 after expiry): Your account continues to function normally. You may add holdings, record sales or gifts, generate documents, and use all features as before.
After the grace period — soft dormancy: If your active holding count exceeds 20, your account enters read-only mode. Specifically:
If you were on Super Premium and your subscription lapses (or you downgrade to standard Premium), holdings 201–300 remain visible but are read-only until Super Premium is renewed. They do not count against your standard Premium cap of 200.
Dormancy is lifted immediately upon renewal. No data is ever deleted as a result of a lapsed subscription.
When your active holding count reaches 15, you will receive an informational email. When it reaches 19, you will receive a further notice. These emails are informational only and do not obligate you to upgrade. Warning emails reset if your count drops back below the relevant threshold. You may opt out of all marketing communications at any time via the unsubscribe link in any email.
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. You will not be able to generate new documents during soft dormancy. The 30-day grace period after expiry allows time to generate any documents you need before dormancy takes effect.
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 holding caps or dormancy 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].