hakiTerms of use
haki was tested under the working name Behta. The Google sign-in screen may still show that name while the app is renamed. It is the same service, run by the same person, under these terms.
haki is an early, invitation-only test run by a small team of finance operators in Bengaluru, India ("we"). By using haki you agree to these terms and to the privacy policy.
Who can use it
haki is for invited adults (18 or over). We can end or limit your access at any time, and the whole test can stop without notice.
What haki is
haki is an AI assistant on WhatsApp. It reads text you send and, if you connect Gmail, emails from financial senders. It helps you find problems with banks, cards, loans and insurance and drafts emails you can send.
- haki is not a bank, lender, insurer, broker or licensed financial adviser. It does not hold your money and does not give investment advice.
- haki is an AI and can be wrong, miss things or misread a document. Its answers are for information. Check them before you rely on them.
- We cannot promise that a bank will refund, reverse or change anything.
Approving emails
haki sends an email from your Gmail only after you tap Approve or confirm. Once you approve, the email is sent in your name and you are responsible for what it says. Read each draft first. During the test, approved emails may be redirected to your own inbox instead of the bank, and haki will say so.
Your account and your data
- Connect only a Gmail account that is yours.
- Do not send card numbers, passwords, OTPs, PINs or ID numbers. haki never needs them.
- You can disconnect Gmail and erase your data any time with /forget, or remove access at myaccount.google.com/permissions.
Acceptable use
Do not use haki to break the law, to deceive a bank or insurer, to harass anyone, to attack or overload the service, or to try to read another person's data.
No warranty and limits on liability
haki is a test provided as it is, without promises that it will be accurate, available or free of errors. To the extent the law allows, we are not liable for losses that come from using the test, including a bank's decision, a missed deadline or an email you approved. Nothing here limits any right you have under law that cannot be limited.
Changes and the end of the test
We may change these terms. If a change matters, the date above will change and invited testers will be told. When the test ends, we delete the data as set out in the privacy policy.
Governing law
These terms are governed by the laws of India. Courts in Bengaluru have jurisdiction.
Contact
Message haki on WhatsApp, or reply to the person who invited you to the test.