Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the Ok Khata mobile application ("App"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the App.

2. Description of Service

Ok Khata is a digital ledger and account book application designed to help users manage their credit and debit transactions, maintain records of financial transactions, and track accounts receivable and payable.

3. User Account and Data

You are responsible for maintaining the confidentiality of your account credentials. You agree to:

• Provide accurate and complete information when using the App
• Maintain and update your account information as necessary
• Keep your account password secure
• Notify us immediately of any unauthorized use

4. Data Storage and Backup

While we strive to protect your data, you are responsible for backing up your financial records. We are not liable for any loss of data that may occur due to technical failures, user error, or other circumstances beyond our control.

5. Prohibited Uses

You agree not to:

• Use the App for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the App or its systems
• Interfere with or disrupt the App's functionality
• Reverse engineer, decompile, or disassemble the App
• Use automated systems to access the App without permission

6. Intellectual Property

All content, features, and functionality of the App, including but not limited to text, graphics, logos, and software, are owned by us and protected by copyright, trademark, and other intellectual property laws.

7. Disclaimer of Warranties

The App is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the App will be error-free, uninterrupted, or meet your specific requirements.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the App.

9. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting. Your continued use of the App after changes are posted constitutes acceptance of the modified terms.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us at contact@umun.in.