Terms of Use

Last updated: 7 October 2026

By using Kharcha you agree to these terms.

1. The service

Kharcha lets you record cash in and out in books, organise them in businesses, share them with your team, set payment reminders and download reports.

2. Your account

Keep your password private. You're responsible for activity in your account and for the people you add to your business and the permissions you give them.

3. Your data

Records in a business belong to its owner. Make sure you're allowed to store the contact details of parties you add, and to send them reminder messages.

4. Plans and payments

Paid plans are activated after we verify your UPI payment. Plans run for the number of days shown and don't renew automatically. When a plan ends you move to the Free plan. Existing data stays, but you may not be able to add more than the Free limits. Payments are not refundable except where required by law.

5. Fair use

Don't misuse the service. That means no accessing other accounts, no attacking the server, no spam SMS or emails through reminders, and nothing illegal. We may ban accounts that do this.

6. Not financial advice

Kharcha is a record-keeping tool. Totals depend on what you enter. It is not accounting, tax or legal advice.

7. Availability and backups

We work to keep the service running and your data safe, but can't promise it will never be unavailable. Download backups regularly from Business Settings.

8. Liability

To the extent the law allows, we are not liable for indirect losses from using or not being able to use the service, or from alerts that are delayed or not delivered.

9. Changes and ending

We may update these terms and will change the date above. You can delete your account at any time.

10. Law

Indian law applies. Courts in Your City, Punjab, India have jurisdiction.

Contact

Your Business Name, Your City, Punjab, India
Email: support@yourdomain.com
Phone / WhatsApp: +91 00000 00000