1. About these terms
These terms are an agreement between you and BaseNovo Technologies, based in Bengaluru, Karnataka, India ("Oru", "we", "us"). They apply when you use Oru on Telegram as @heyoru_bot, in the Oru app, or on this website, heyoru.com.
By starting a chat with Oru you accept these terms. If you don't agree, please don't use Oru. Our privacy policy explains what data Oru keeps and why, and forms part of these terms.
2. What Oru is, and what it isn't
Oru is software that records and organises what you tell it and the bank alerts you choose to forward, answers questions about your money, sends reminders you ask for, and checks messages that might be scams.
Oru is not a bank, a payment service, a lender or an investment adviser, and it is not registered with RBI or SEBI. It never holds or moves your money, and it never asks for an OTP, PIN, password or card number.
3. Who can use Oru
Oru is only for people 18 and over. If you are under 18, please don't use it; if we learn an account belongs to someone under 18, we delete what it stored.
You need a Telegram account, and Oru is linked to it, so keep that account secure. Anything done through your Telegram account is treated as done by you.
4. Early access
Oru is in early access and free to use. Features may change, be limited, or be switched off while we improve it, and Oru may sometimes be unavailable. We'll try to tell you in the chat before removing something you rely on.
5. Paid plans
No card is taken during early access, so nothing can be charged. If paid plans start, we'll show the price, what's included and how cancelling and refunds work before you choose one. You only pay if you choose a plan, and taxes such as GST are added where the law requires.
Oru Free stays free. If you join during early access, you can keep Oru Plus at the founding price of ₹49 a month or ₹499 a year for life. Payment is never taken inside Telegram.
6. Your data
What you send Oru stays yours. You allow us to store and process it only to run Oru for you, as the privacy policy describes. We don't sell it or use it for advertising.
Before Oru processes anything you send, it asks you, in the chat, the Oru app or the web dashboard, to agree to how your data is used, as the privacy policy explains. You can withdraw that agreement at any time by saying "delete my data" in the chat, or tapping Delete my data in the web dashboard, which also erases your account.
You can see what Oru remembers, correct it, or erase your account at any time by saying "delete my data" in the chat, or tapping Delete my data in the web dashboard. It can't be undone. A record of what happened and when, with no amounts, names or messages, is kept for a year, as the privacy policy explains.
7. Bank alerts, bank SMS and Connect Gmail
Forwarding bank alerts is optional. Only forward alerts from accounts that are yours, or that you are allowed to share.
Bank email forwarding, bank SMS forwarding and bank SMS in the Oru Android app each need their own agreement before they start, and each can be stopped on its own: send /disconnect to stop email, /sms off to stop SMS forwarding, or turn off Bank SMS in the app. With SMS, Oru keeps only the payment details. Forwarded OTPs and other messages are dropped unread, and in the app they never leave your phone, because the app checks each SMS on the phone and sends only payment messages. The exception is Scam watch: if you turn it on, every SMS without a code (an OTP, a PIN) is sent, with names and numbers taken out, to be checked for scams, then dropped; only the verdict is kept, for 90 days.
Connect Gmail takes one Google sign-in, which only asks for permission to manage basic Gmail settings, and one step you do in Gmail yourself: adding Oru's forwarding address. Oru then creates one filter that forwards bank alerts and gives the permission up. Oru never gets permission to read your inbox. Send /disconnect to stop email reading at any time.
8. Answers and suggestions
Oru's answers come from an AI model and your records. They can be wrong or incomplete, for example if a spend is missed, mis-read or put in the wrong category. Check anything important before you act on it.
Oru's suggestions are general guidance for managing everyday money. They are not financial, tax, legal or investment advice, and decisions about your money are yours.
9. Scam checks
Oru's scam checks are a best effort to help you spot fraud. No check catches everything, and a message Oru calls fine can still be a scam. When unsure, call your bank on the number printed on your card.
If you've lost money to fraud, call the National Cyber Crime Helpline on 1930 or report it at cybercrime.gov.in straight away, and tell your bank.
10. Using Oru fairly
Please don't use Oru for anything illegal; to harass, deceive or impersonate anyone; to send other people's data you have no right to share; or to try to break, overload, copy or reverse-engineer it. Oru, its name, look and mascot belong to us.
11. Other services
Oru runs on services such as Telegram, and Google when you use Connect Gmail. Their own terms apply to your use of them, and we aren't responsible for how they work.
12. Stopping or suspending Oru
You can stop using Oru at any time, and erase your data by saying "delete my data" in the chat, or tapping Delete my data in the web dashboard. We may suspend or close an account that breaks these terms or the law, or if we're required to. If we ever shut Oru down, we'll tell you in the chat first where we can.
13. Our responsibility
Oru is provided as it is, during early access and free of charge. To the extent the law allows, we are not responsible for indirect losses, or for money lost because of a decision you made using Oru's answers or scam checks.
Nothing in these terms limits rights you have that the law, including the Consumer Protection Act, 2019, doesn't allow us to limit.
14. Changes to these terms
If we change these terms in a way that matters, we'll tell you in the chat before the change takes effect. If you keep using Oru after that, the new terms apply.
15. Law, disputes and contact
These terms are governed by the laws of India. Please write to us first so we can try to fix any problem. If we can't, the courts at Bengaluru, Karnataka will have jurisdiction, without affecting your right to approach a consumer commission.
Questions, complaints and grievances: privacy@heyoru.com.
Grievance Officer: Deepak Carpenter, BaseNovo Technologies, privacy@heyoru.com. We acknowledge a grievance within 7 days and resolve it within one month.