Use of the app
NiyamPay is a personal debt tracking and planning tool. It is not a lender, broker, collection agency or investment adviser, and it does not arrange credit.
Your inputs
Projections depend entirely on the balances, rates, EMIs and tenures you enter. Always confirm amounts against your lender's statement before making a payment decision.
No liability
We are not liable for late fees, penalties, credit score changes or any financial loss arising from use of the app. Payment reminders are best-effort and should not be your only safeguard.