Terms & Conditions

These Terms are published by OMKAR TRADERS (Registered MSME (Micro Enterprise), Udyam Registration No. UDYAM-MH-35-0035140), registered at Main Road, Near Post Office, Shirpur Jain, Washim, Maharashtra – 444504, India.

1. What Smart Hisab Is

Smart Hisab is a mobile application that lets you record and track credit/debit transactions (“ledger entries”) between yourself and your customers, set payment reminders, and export account statements. Smart Hisab does not process, transmit, or hold any money. It is a record-keeping tool only — no payment gateway or money-movement functionality exists in the app.

2. Eligibility and Account Registration

To use Smart Hisab you must have a valid Indian mobile phone number capable of receiving WhatsApp messages, which is used to verify your identity via a one-time password (OTP). You are responsible for keeping your phone number, device, and 4-digit security PIN confidential.

3. Accuracy of Records

Smart Hisab is a tool for your own record-keeping. You are solely responsible for the accuracy of transaction amounts, notes, and any bill photos you enter. We do not verify, guarantee, or arbitrate disputes about the accuracy of records you create — the app records a change-history log to help you and your customers reference exactly what was entered and when, but this log is not a substitute for a formal receipt or legal proof of a transaction unless you and your customer separately agree it is.

4. Single Active Device

For your account's security, Smart Hisab allows only one device to be actively logged in at a time. Logging in on a new device will end the session on any previously logged-in device, and we will send a notification to your WhatsApp number when this happens.

5. Data Syncing and Offline Use

The app is designed to work without an internet connection. Data you record offline is stored locally on your device and is synchronized to our servers automatically once your device reconnects. If your device is lost, damaged, uninstalled, or its local data corrupted before a sync completes, any unsynced entries may be permanently lost. We recommend maintaining a regular internet connection where possible to keep your records backed up.

6. Bill Photo Attachments

Photos you attach to a transaction are stored on our behalf by our cloud storage provider (Amazon Web Services). You are responsible for ensuring you have the right to store and share any photo you upload.

7. Account Suspension

We reserve the right to disable or suspend an account we reasonably believe is being used to violate these Terms, engage in abuse, or compromise the security or stability of the service.

8. Broadcasts and Announcements

We may display in-app announcements, updates, or promotional banners. These originate from us directly and are not third-party advertisements.

9. Disclaimer of Warranties

Smart Hisab is provided “as is.” We do not guarantee the app will be error-free, uninterrupted, or that all data will be preserved in every circumstance (see Section 5 on offline data risk).

10. Limitation of Liability

[NEEDS INPUT: standard limitation-of-liability language requires legal review specific to your jurisdiction and business structure.]

11. Changes to These Terms

We may revise these Terms from time to time. Continued use of the app after a change constitutes acceptance of the revised Terms.

12. Governing Law

[NEEDS INPUT: jurisdiction/governing law clause — requires legal input.]

13. Contact Us

Questions about these Terms can be sent to OMKAR TRADERS at ambhore.prakash3332@gmail.com or +91 9860099844.