1. Introduction

These Terms & Conditions govern your use of the Smart Bahi Khata mobile application, website, and related services provided by WebRK Private Limited.

By using Smart Bahi Khata, you agree to comply with these Terms & Conditions and applicable laws. If you do not agree with these terms, please do not use the application or services.

2. About Smart Bahi Khata

Smart Bahi Khata is a digital business ledger and management application designed to help individuals and businesses maintain records such as customers, transactions, income, expenses, payments, loans, business activities, and related information.

The features available to you may vary depending on your selected account type, subscription plan, device, operating system, and application version.

3. Eligibility

You must be at least 13 years old to use Smart Bahi Khata.

By creating or using an account, you confirm that:

• The information you provide is accurate and reasonably up to date.
• You will use the application only for lawful purposes.
• You are authorized to use the phone number, email address, or other account information associated with your account.

4. Account Security

You are responsible for maintaining the security of your account and for activities performed through your account.

You should not share authentication information, verification codes, or account credentials with unauthorized persons.

If you believe that your account has been accessed without authorization, please contact us as soon as reasonably possible.

5. Acceptable Use

You agree not to use Smart Bahi Khata:

• For unlawful, fraudulent, deceptive, or abusive activities.
• To interfere with the normal operation of the application or related services.
• To attempt unauthorized access to accounts, systems, or data.
• To upload or transmit malicious software or harmful content.
• In a manner that violates applicable laws or the rights of others.

6. Your Data and Content

You are responsible for the information and content that you enter, upload, or otherwise provide through Smart Bahi Khata.

You retain your rights in the information and content that you provide, subject to the rights necessary for us to operate and provide the services.

You should ensure that you have the necessary rights and permissions before entering or uploading information belonging to another person or business.

7. Subscription & Payments

Smart Bahi Khata may offer optional paid features and auto-renewable subscription plans that provide access to premium features and services.

The applicable subscription plan, features, subscription period, and price are displayed to you before you confirm a purchase.

For purchases made through the Apple App Store, payment is processed by Apple through your Apple Account and is subject to Apple's applicable terms and policies.

Auto-renewable subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period.

Your Apple Account may be charged for renewal in accordance with Apple's applicable billing terms. You can manage or cancel your subscription through your Apple Account settings.

Subscription pricing, taxes, availability, introductory offers, and other applicable terms may vary by country or region and may be determined through the applicable app store.

Refunds for purchases made through the Apple App Store are subject to Apple's applicable refund policies and applicable law.

8. Service Availability and Backups

We work to keep Smart Bahi Khata available and reliable, but we do not guarantee that the application or any particular feature will always be available without interruption.

Some features may depend on your internet connection, device, account, operating system, or other factors outside our control.

Where backup or recovery features are available, you should also maintain appropriate copies of important business records. Smart Bahi Khata should not be considered your sole method of preserving critical financial or business information.

9. Financial Information Disclaimer

Smart Bahi Khata is a record-keeping and business management tool. It is not a bank, financial institution, investment adviser, tax adviser, auditor, lawyer, or accounting firm.

Information entered into the application is provided by you. You are responsible for checking the accuracy and completeness of your records.

You should obtain professional financial, tax, legal, or accounting advice where appropriate.

10. Intellectual Property

Smart Bahi Khata, including its name, branding, software, design, interface, logos, and related content, is owned by or licensed to WebRK Private Limited, except for content provided by users or third parties.

You may not copy, modify, distribute, reverse engineer, sell, or commercially exploit any part of the application without appropriate authorization, except where such restriction is prohibited by applicable law.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Smart Bahi Khata and WebRK Private Limited will not be responsible for indirect, incidental, special, consequential, or similar losses arising from the use of the application.

This includes losses resulting from inaccurate information entered by users, service interruptions, device problems, connectivity issues, or circumstances outside our reasonable control.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

12. Changes to These Terms

We may update these Terms & Conditions from time to time to reflect changes to our services, legal requirements, or business practices.

The updated version will be published on this page with a revised effective date where appropriate.

Your continued use of Smart Bahi Khata after an updated version becomes effective may constitute acceptance of the updated Terms, to the extent permitted by applicable law.

13. Contact Us

If you have any questions regarding these Terms & Conditions, please contact us: