Terms of service

Current beta access, planned pricing, report limitations and responsibilities when using Munimly.

Updated 16 October 2026

Using Munimly

Munimly is a tool for preparing Credit Monitoring Arrangement (CMA) reports for bank-loan and working-capital assessments. It is intended for adults preparing reports in a professional capacity. You are responsible for having permission to enter your clients’ information.

Sign-in uses Google. Keep access to your Google account secure and contact hello@munimly.in if you suspect unauthorised access to Munimly.

Beta access and planned pricing

Beta access is free. No payment is required for current beta use.

Planned post-beta pricing is ₹499 per report or ₹1,999 per year for unlimited reports. These are planned offers, not an active checkout or automatic subscription. Payment, tax, renewal and refund details will be published before paid plans become available.

What the calculations mean

The recommendation shown by Munimly is the lower of the applied cash-credit limit and the assessed Nayak MPBF. Tandon Method II is a separate calculation reference in the API, not a second cap on that recommendation.

The current exporter produces Forms I–IX covering the borrower/facilities, statements, MPBF, funds flow, ratios, indicators and trends. See Methodology for the current calculation and review approach.

Munimly does not sanction a loan, guarantee bank acceptance or replace your professional review. A report label such as “Recommended / Approved CC” is a calculated product result, not approval by a lender.

Errors, warnings and your review

Checks can identify balance-sheet differences, incomplete loan schedules, unusual assumptions and undefined ratios. Balance-sheet differences and incomplete secured term-loan schedules remain visible but do not block final export. A downloadable file is not proof that the accounts reconcile or that the report is suitable for a bank.

Review inputs, calculations, assumptions and output before relying on or submitting a report. Incorrect or incomplete inputs can produce misleading results.

Your data and files

Your client data and downloaded reports remain yours. The Privacy page explains saved reports, browser storage and deletion requests. Download copies you need and do not treat the beta as your only record store.

Acceptable use and availability

Do not enter information you are not authorised to use, deliberately prepare false financial statements or attempt to access another user’s reports. Do not interfere with the service.

The beta may change or be unavailable. There is no committed uptime or support response time. Report problems to hello@munimly.in.

Contact and pending details

Contact Munimly at hello@munimly.in.

Legal operator identity and legal clauses concerning liability, disputes and jurisdiction remain pending review. No specific liability cap or exclusive court location is asserted here. Nothing on this page removes rights that applicable law gives you.