Terms & Conditions

1. Acceptance of Terms

By accessing or using the Hisaab Kitaab platform ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service. These Terms apply to all visitors, users, and others who access or use the Service, including all subdomains (personal, education, health, business, hotel, shop).

2. Description of Service

Hisaab Kitaab is a multi-subdomain accounting platform that allows users to track income, expenses, budgets, and generate financial reports. The Service operates on a token-based economy where users recharge their wallet to purchase tokens, which are consumed when performing actions such as adding entries or downloading reports. The Service is provided "as is" and "as available" without warranties of any kind.

3. User Accounts

To use certain features of the Service, you must create an account. You are responsible for: providing accurate and complete registration information, maintaining the security of your account credentials, all activities that occur under your account, and notifying us immediately of any unauthorized use. You must be at least 13 years old to create an account. Each user is allowed one account per subdomain.

4. Token Economy

The Service uses a token-based system where: tokens are purchased via Razorpay payment and credited to your wallet, tokens are consumed when performing actions (1 per entry, 5 per report), tokens do not expire, tokens are non-transferable between users, and token rates may be adjusted with reasonable notice. Signup bonus tokens (100) are provided once per user and are non-refundable. Recharge transactions are final and non-refundable except as required by applicable law.

5. Acceptable Use

You agree not to: use the Service for any unlawful purpose, attempt to gain unauthorized access to any part of the Service, interfere with or disrupt the Service or servers, upload malicious code, viruses, or harmful content, use automated tools to scrape or crawl the Service, attempt to manipulate the token economy or payment system, share your account credentials with others, or reverse engineer any part of the platform. Violation of these rules may result in account suspension or termination.

6. Intellectual Property

The Hisaab Kitaab platform, including its design, code, graphics, logos, and documentation, is the intellectual property of Hisaab Kitaab and is protected by applicable intellectual property laws. Your accounting data remains your property. By using the Service, you grant us a limited license to process and store your data for the purpose of providing the Service. Blog posts and content you submit may be used by us for promotional purposes with your consent.

7. Payment Terms

Payments are processed through Razorpay. All prices are listed in Indian Rupees (INR) and include applicable taxes. By making a payment, you agree to Razorpay's terms of service. We reserve the right to change pricing with 30 days notice. Promotional pricing or discounts are subject to terms specified at the time of promotion. Refunds, if applicable, will be processed according to our refund policy and may take 5-10 business days.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Hisaab Kitaab shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to: loss of data, loss of profits, business interruption, or financial loss. Our total liability shall not exceed the amount you have paid to us in the 12 months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

9. Data Backup and Recovery

We perform regular encrypted backups of your data. However, we do not guarantee 100% data recovery in all circumstances. You are encouraged to export your data regularly using the built-in report/download features. We are not liable for data loss caused by: your failure to maintain account security, force majeure events, or hardware failures beyond our control.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved through: (a) amicable negotiation, (b) mediation, or (c) binding arbitration in accordance with the Arbitration and Conciliation Act, 1996. The venue for arbitration shall be in India.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or platform announcement at least 15 days before taking effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

12. Contact

For questions about these Terms, please contact us through our Contact page.