Noriba

Noriba (No Riba) is an ethical personal finance companion and mutual trust ledger designed to help you live ribā-free (interest-free) and keep clear, dignified records of informal loans (Qard Hasan). Whether you are lending money to friends, tracking debts owed to family, or analyzing bank statements to identify and purify interest, Noriba brings honesty, clarity, and peace of mind to your financial life. ━━━━━━━━━━━━━━━━━━━━ KEY FEATURES ━━━━━━━━━━━━━━━━━━━━ 1. TRUST RECORDS (QARD HASAN LEDGER) • Easily track who owes whom with amounts, categories, notes, and repayment milestones. • Avoid awkwardness, confusion, or strained relationships by keeping clean, transparent records. • Log partial repayments and watch balances update in real-time. 2. PHONE-VERIFIED MUTUAL AGREEMENTS • Generate private, secure agreement links (noriba.in/a/:token) to confirm loan terms in writing. • Protected by phone verification: the recipient verifies their mobile number to unlock and confirm the agreement. • Creates mutual accountability and peace of mind for both lender and borrower. 3. LOCAL BANK STATEMENT INTEREST IDENTIFIER • Upload bank statement PDFs to automatically detect and quantify ribā (interest credited or charged). • 100% On-Device Processing: Your PDF statements remain strictly on your phone and are never uploaded to remote servers. • Encrypted Passwords: Saved statement open passwords are encrypted directly on your device before syncing. 4. THE ROAD HOME (VISUAL PROGRESS) • Experience your debt-freedom journey visually. • Each payable cleared lightens the traveler’s burden, guiding them toward the peaceful summit cottage of complete debt freedom. 5. SMART DUE-DATE REMINDERS • Schedule gentle on-device notifications so you never forget an upcoming repayment milestone. ━━━━━━━━━━━━━━━━━━━━ PRIVACY & ETHICS FIRST ━━━━━━━━━━━━━━━━━━━━ • Zero Ads: A calm, distraction-free environment. • Private & Secure: We never sell, rent, or monetize your personal financial data. • Data Ownership: Delete individual records, statement summaries, or your entire account at any time. ━━━━━━━━━━━━━━━━━━━━ IMPORTANT NOTICE ━━━━━━━━━━━━━━━━━━━━ Noriba is strictly an informational and personal bookkeeping tool: • Noriba is NOT a bank, NBFC, lender, or financial intermediary. • Noriba does not provide, broker, or disburse loans, nor does it hold or transfer funds. • All trust records and agreement links represent voluntary, informal understandings between private individuals.