Terms of Use
Last updated 4 October 2026
These terms apply when you use Ripen, the website at ripen.pro and the Ripen app, run by N Five Technologies. By creating an account you agree to them. If you do not agree, please do not use Ripen.
What Ripen is
Ripen is a planning tool. It takes the figures you enter and works out, month by month, how your money could be used and when a purchase you want might be affordable. It is free to use.
Ripen is not financial advice
Every result is an estimate built only from the figures you enter and from simple assumptions, such as the rates shown for savings and investments. Those rates are illustrations, not promises. Ripen does not know your full situation, is not a registered investment adviser and does not recommend any product, loan or investment. Check important decisions with your bank, lender or a qualified adviser.
Your account
- You must be 18 or older.
- Keep access to your email and Google account safe: anyone who can read your sign in codes can sign in as you.
- You are responsible for what you enter. Please do not enter bank passwords, card numbers, PAN, Aadhaar or anyone else's private details.
Family books
- The person who starts a family book decides who is invited, and can remove people.
- Everyone in a family book can see and change its figures. Invite only people you trust with them.
- Anyone can leave a family book at any time.
Fair use
Do not try to reach other people's books, overload or attack the service, copy it with automated tools, or use it for anything unlawful. We may suspend an account that does.
Your content
The figures you enter remain yours. You allow us to store and process them only to run Ripen for you and the people you share a book with, as described in the Privacy Policy.
Availability and changes
We work to keep Ripen running and your data safe, but we cannot promise it will always be available or free of errors. We may improve, change or stop features. If we ever close Ripen, we will tell you in advance so you can note down your figures.
Ending your use
You can stop using Ripen and delete your account at any time.
Liability
Ripen is provided as it is. To the extent the law allows, N Five Technologies is not responsible for decisions you make based on Ripen's estimates, or for indirect losses. Nothing in these terms limits rights you have under Indian consumer law that cannot be limited.
Law
These terms are governed by the laws of India.
Contact
Questions about these terms: support@ripen.pro.