Last updated 2026-11-07.
These terms apply to Jozzo on the web, on Android and on iPhone ("Jozzo", "we", "us"), run by Aryan M in India. By creating an account, signing in or using Jozzo, you agree to them. If you don't agree, please don't use Jozzo.
Jozzo is a coordination tool. It helps groups track shared habits, shopping lists, events, expenses and running tabs with vendors, and it sends reminders about things left open.
Jozzo is not a bank, payment system, wallet, lender, broker or financial adviser. Jozzo never holds, moves or guarantees money.
You must be at least 18, or use Jozzo with a parent's or guardian's consent and supervision. You must give accurate information and use only your own account.
You sign in with your Google account or with a code sent to your email address. Keep that account and that inbox secure - anyone who can read your email can sign in. You're responsible for what happens under your Jozzo account. Tell us straight away if you think someone else has used it.
One person, one account. Don't create accounts to evade a restriction or to pretend to be someone else.
Public Spaces can be found in search and joined by anyone. Private Spaces are hidden from search and are invite-only. Every member of a Space can see what is shared in it: messages, pacts, check-ins, Quickies, events and expenses.
Jozzo has no admin role. Any member can invite people into a Space. Choose your Spaces and their members with care, and don't post anything you wouldn't want every member to see.
Leaving a Space ends your access to it. It does not erase what you already shared there, or money still open between you and other members.
Balances, splits, tallies, payment requests and investment entries are records that users enter. Jozzo doesn't check them against any bank or payment system, and they can be wrong or out of date.
Payments happen in third-party UPI apps under their own terms and the rules of NPCI and your bank. Jozzo shows a UPI QR code or link as a convenience. Always check the name, UPI ID and amount in your UPI app before you enter your PIN. Jozzo is not responsible for a payment sent to the wrong person, for the wrong amount, or declined by a payment provider.
A split is settled only when the person who was owed confirms the payment. Disputes about whether money was paid are between the people involved. Jozzo can show what was recorded, but cannot decide who is right.
The investments tracker is a manual record. It is not investment advice.
Reminders and shared alarms help you remember. They are not guaranteed. Phones can delay or silence them because of battery settings, permissions, network problems or device restarts. Never rely on Jozzo alone for anything where a missed reminder could cause harm, such as critical medication. Use a dedicated medical or alarm system for those.
You keep ownership of what you post: messages, photos, voice notes, lists and entries. You give Jozzo a limited, non-exclusive, royalty-free licence to store, process, resize and show that content to you and the people you shared it with, only to run and improve the service.
You confirm that you have the right to share what you post, including photos of other people. Get a person's permission before you post a photo of them.
Don't use Jozzo to harass, threaten, bully or shame anyone. Nudges are for friendly accountability, not for pressure or debt collection.
Don't post content that is illegal, sexually explicit, hateful, violent, or that breaks someone else's privacy or intellectual property rights.
Don't impersonate anyone. Don't use Jozzo for scams, collecting UPI details under false pretences, or fraud.
Don't scrape Jozzo, overload it, probe it for weaknesses without permission, get around its privacy controls, or reverse-engineer the service beyond what the law allows.
Don't use Jozzo to run a business that collects money from the public, lending or money lending included.
There is no tolerance for objectionable content or abusive behaviour on Jozzo. Objectionable content includes anything in section 7: harassment, threats, hate, sexual content, content that puts someone at risk, scams and impersonation. Posting it, or treating other people abusively, gets the content removed and the account suspended or closed.
Anyone can report a message, check-in, Quickie, person or Space from inside the app, and block anyone - a block hides you from each other at once, everywhere in Jozzo, and tells us. A person reviews every report within 24 hours. Content that breaks these terms is removed within that time and the person who posted it is removed from Jozzo. We may also hide a Space from search, warn someone, or suspend or close an account that puts other people at risk or where the law requires it. Where it's safe and practical, we'll tell you why.
Messages, captions, names and descriptions are also checked automatically for content that is illegal in India; anything caught is not posted and is sent to us to review.
You can stop using Jozzo at any time and delete your account from Settings (see the Privacy Policy).
Jozzo is actively developed. Features can change, pause or be removed, and the service can be down for maintenance or because of problems with the providers it runs on. Keep your own copies of anything you must not lose.
We may update these terms. The date at the top shows the latest version. For significant changes we'll give notice in the app. If you keep using Jozzo after a change, you accept the new terms.
Jozzo is provided "as is" and "as available", without warranties of any kind, as far as the law allows.
As far as the law allows, Jozzo and its developer are not liable for indirect or consequential losses, lost money or profits, or loss of data. This includes losses from payments made through third-party apps, missed reminders, or disagreements between users. Our total liability for any claim is limited to ₹1,000. Nothing in these terms limits a liability that cannot be limited under Indian law.
These terms are governed by the laws of India. Courts in New Delhi have jurisdiction, subject to any consumer protection rights you have.
For complaints, including under the Information Technology Act, 2000 and its rules, contact the Grievance Officer, Aryan M, at grievance@jozzo.in. We aim to acknowledge a complaint within 24 hours and resolve it within 15 days.