Finflowsai

Terms and Conditions

SMS Messages: Text & Chat

Application ID:
com.smstext.messages
Last updated:
August 26, 2026

Please read these Terms and Conditions (“Terms”) carefully before using SMS Messages: Text & Chat (application ID com.smstext.messages, the “App”).

The App is published on Google Play by Finflowsai, the trading name of Bhumi Jigar Mangukiya, a sole proprietor based in Surat, Gujarat, India (“we”, “us”, “our”).

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

1. Acceptance of Terms

These Terms form a binding agreement between you and us regarding your use of the App. Our Privacy Policy is incorporated into these Terms by reference.

2. Eligibility

You must be at least 13 years old to use the App, or older where the law of your country sets a higher age for consenting to the processing of personal data — including 18 years in India under the Digital Personal Data Protection Act, 2023, and between 13 and 16 across the European Economic Area and the United Kingdom depending on the country.

By using the App, you represent that you meet the age requirement applicable to you. See also Section 18 of our Privacy Policy.

3. License to Use the App

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the App on a device you own or control, for personal, non-commercial use.

This licence does not permit you to copy, modify, reverse-engineer, decompile, resell, sublicense, or remove proprietary notices from the App, except where applicable law provides otherwise.

4. Default SMS App & Carrier Charges

The App may ask you to set it as your device’s default messaging appthrough Android’s system permission dialogs, so that it can send and receive SMS and MMS messages.

You are responsible for any charges from your mobile carrier relating to sending, receiving, or roaming for SMS and MMS. These are governed by your carrier’s plan, not by us.

5. Acceptable Use

You agree not to use the App to:

  • send unsolicited bulk messages or spam
  • harass, threaten, defraud, or impersonate any person
  • transmit unlawful, defamatory, or infringing content
  • attempt unauthorised access to our systems or to other users’ devices
  • otherwise violate applicable law

Because message content stays on your device (see Privacy Policy, Section 1), we generally have no visibility into what you send, and we rely on you to comply with this section.

6. Your Content

You retain all rights to the messages, photos, and other content you send or receive through the App (“Your Content”). We make no claim of ownership over it, and you are solely responsible for ensuring you have the right to send it.

7. Private Box & App Lock

If you use the App’s Private Box or App Lock features, you are solely responsible for remembering your credentials.

Because these credentials and the protected content are stored only on your device, we cannot recover this content or reset your credentials if you forget them, or if your device data is lost or corrupted, or if the App is uninstalled and reinstalled.

8. Advertising

The App is supported by advertising served through Google AdMob, including banner, interstitial, and rewarded ad formats. Our Privacy Policy describes what data is involved.

Where advertising uses your data in a way that requires your consent — including in the European Economic Area, the United Kingdom, Switzerland, India, and applicable United States jurisdictions — that consent is requested separately through an in-App consent screen, not through these Terms. You can review or change your choice at any time in the App under Settings → Privacy Consent.

Declining personalised advertising does not restrict your use of the App. You will continue to see advertising, but it will not be personalised.

Rewarded ads may unlock optional features, such as certain chat themes. Whether an unlock is granted depends on the advertisement completing successfully, which is determined by the advertising provider and not by us.

9. In-App Purchases (Google Play Billing)

Any paid features or purchases in the App are processed through Google Play Billingand are subject to Google Play’s own terms and refund policies. We do not directly process, store, or have access to your payment card details.

Direct refund requests to Google Play, not to us, unless we state otherwise at the time of purchase. Nothing in this section limits any right you have under the consumer protection law of your country.

10. Third-Party Services

The App integrates with Google AdMob, Google’s User Messaging Platform (UMP), Firebase Analytics and Crashlytics, and Google Play Billing. See Section 7 of our Privacy Policy for what each one does and what data is involved.

Your use of these integrated services is also subject to each provider’s own terms of service.

11. Future Cloud Backup Feature

The App does not currently offer cloud backup or sync. If we introduce this feature in a future update, additional terms specific to it — covering data handling, opt-in consent, and deletion — will be published, and where required by law your explicit consent will be requested before it is enabled.

Continued use of the App after such an update takes effect constitutes acceptance of the additional terms, to the extent permitted by applicable law.

12. Intellectual Property

The App, including its design, graphics, logos, icons, and underlying code — excluding Your Content and any open-source components, which are governed by their own licences — is owned by us or our licensors and protected by applicable intellectual property law. Nothing in these Terms transfers that ownership to you.

13. Disclaimer of Warranties

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT MESSAGES WILL ALWAYS BE DELIVERED SUCCESSFULLY — DELIVERY DEPENDS ON YOUR MOBILE CARRIER’S NETWORK, WHICH IS OUTSIDE OUR CONTROL.

Nothing in this section excludes or limits any warranty or right that cannot be excluded or limited under the consumer protection law of your country.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF DATA (MESSAGES, CONTACTS, OR PRIVATE BOX CONTENT), LOSS OF PROFITS, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you. Nothing here excludes liability for death or personal injury caused by negligence, or for fraud, or any liability that cannot be excluded under applicable law.

15. Indemnification

You agree to indemnify and hold us harmless from claims, damages, losses, or expenses (including reasonable legal fees) arising from your violation of these Terms, your misuse of the App, or Your Content — except to the extent the claim arises from our own act or omission.

16. Termination

These Terms apply for as long as you use the App. You may end this agreement at any time by uninstalling the App, which also removes the data stored on your device as described in our Privacy Policy.

Because the App operates entirely on your device and we hold no user account, we have no technical means to suspend individual access. If we discontinue the App, it will be removed from Google Play and no further updates will be provided; the version installed on your device will continue to function until you uninstall it or it becomes incompatible with your device.

Sections 6, 12, 13, 14, 15, and 18 survive termination.

17. Changes to the App or These Terms

We may modify, update, or discontinue the App or these Terms at any time. The “Last Updated” date above reflects the latest revision. Material changes will be communicated through the App where required. Continued use after changes take effect means you accept the revised Terms.

18. Governing Law & Dispute Resolution

These Terms are governed by the laws of India, and disputes are subject to the jurisdiction of the courts in Surat, Gujarat, India, without regard to conflict-of-law principles.

This does not affect any right you have under the mandatory consumer protection law of your country of residence, including any right to bring a claim in your own jurisdiction.

Nothing in this section affects the right of a user in India to raise a grievance with our Grievance Officer, or thereafter to complain to the Data Protection Board of India, under the Digital Personal Data Protection Act, 2023. See Section 14 of our Privacy Policy.

19. Severability & Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

20. Contact Us

Finflowsai (Bhumi Jigar Mangukiya)Yogeshwar Row House, Plot No. 148-A, First FloorPuna Simada Road, Shyamdham ChowkSurat 395010, Gujarat, IndiaEmail: developer@finflowsai.comWebsite: https://finflowsai.com/