Terms & Conditions

1. Acceptance of Terms

By downloading, installing, or using Hamro Khataa, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the app.

2. Description of Service

Hamro Khataa is a personal ledger application that helps small shopkeepers in Nepal track credit given to customers (Udharo) and cash received (Jama). The app stores data locally on your device and optionally syncs to the cloud for Google Sign-In users.

The app may also deliver in-app announcements, tips, and update notices via Firebase.

3. User Responsibilities

You are responsible for:

• Maintaining the accuracy of all data you enter into the app
• Keeping your device, Google account, and app access secure
• Any business decisions or transactions made based on data in the app
• Ensuring you have the consent of any individual whose data you record

Hamro Khataa is a record-keeping tool only. It does not constitute financial, legal, or accounting advice.

4. Data Ownership

All business data you enter into Hamro Khataa, including customer names, phone numbers, and transaction records, belongs solely to you. We do not claim any ownership over your data.

You are solely responsible for maintaining independent backups of critical business records. We are not liable for data loss due to device failure, accidental deletion, or app errors.

5. Privacy & Data Protection

Your use of the app is also governed by our Privacy Policy, which forms part of these Terms. We handle personal data in accordance with Nepal's Individual Privacy Act, 2075.

By using the app, you consent to the collection and processing of data as described in our Privacy Policy.

6. Notifications & Announcements

With your permission, the app may send push notifications via Firebase Cloud Messaging. The app may also display in-app announcements or notices delivered through Firebase.

You may disable push notifications at any time through your device settings. In-app announcements can be dismissed within the app.

7. Prohibited Use

You agree not to:

• Use the app for any illegal, fraudulent, or unauthorised purpose
• Attempt to reverse engineer, decompile, or modify the app
• Record personal data of others without their knowledge or consent
• Use the app in any way that violates Nepal's Electronic Transactions Act, 2063 or any other applicable law

8. Disclaimer of Warranties

Hamro Khataa is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the app will be error-free, uninterrupted, or free of data loss.

Always keep independent records of critical financial transactions.

9. Limitation of Liability

To the maximum extent permitted by the laws of Nepal, the developer shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the app, including but not limited to data loss, financial discrepancies, or business interruption.

10. Termination

We reserve the right to suspend or terminate access to the app at any time, with or without notice, if we believe you have violated these Terms or applicable law. You may stop using the app at any time by uninstalling it.

11. Changes to These Terms

We may revise these Terms & Conditions from time to time. We will update the "Last updated" date when changes are made. Your continued use of the app after any changes constitutes acceptance of the revised Terms.

12. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Nepal, including the Electronic Transactions Act, 2063 and the Individual Privacy Act, 2075.

Any disputes arising from the use of this app shall first be attempted to be resolved amicably. If unresolved, disputes shall be subject to the jurisdiction of the competent courts of Nepal.

13. Contact

For questions or concerns about these Terms:

We aim to respond to all enquiries within 14 days.