Terms of Service

These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "You", or "Retailer") and the developer of Agent Khata ("we", "us", "our", or "Developer").

By downloading, installing, accessing, or using the Agent Khata mobile application (the "App") or associated web portals, you represent and warrant that you have read, understood, and agree to be bound by all of these Terms of Service. If you do not agree with all of these Terms, you are prohibited from using the App and must uninstall it immediately.

Developer / Trader Details:

• Application Name: Agent Khata: Offline Ledger (com.agentkhata.app)
• Developer Representative: Shahroz Ali & Agent Khata Engineering Team
• Operating Location: Punjab, Islamic Republic of Pakistan
• Official Support Email: alidev690@gmail.com
• Official Website: https://agentkhataapp.web.app

In adherence to Google Play Financial Services Policy and regulatory standards:

• Self-Maintained Records: All numbers, balances, customer Udhaar records, Cash-In, and Cash-Out transactions displayed in the App are recorded manually or generated strictly from data inputted by you.
• No Direct Association with Payment Schemes: Any reference within the App or promotional materials to third-party services—including EasyPaisa (Telenor Microfinance Bank), JazzCash (Mobilink Microfinance Bank), Ufone/UPaisa, Zong, or local banks—is purely for organizational and category tagging purposes. Agent Khata is an independent software tool and is not endorsed by, affiliated with, or partnered with any of these financial organizations.
• Physical Cash Reconciliation: You are solely responsible for reconciling the digital ledger in the App with physical cash in your cash drawer, bank statements, or official retailer counter balances. We bear no responsibility for cash shortages, calculation discrepancies arising from erroneous user input, or counter differences.
• No Financial, Tax, or Legal Advice: The reports, summaries, and AI-assisted insights generated by Agent Khata do not constitute formal auditing, chartered accounting, taxation, or legal advice. Consult a certified financial professional for your statutory tax obligations.

To use Agent Khata, you must satisfy the following conditions:

• You must be at least 18 years of age (or the age of legal majority in your jurisdiction) and legally capable of entering into binding contracts.
• You operate a legitimate retail store, franchise, agency counter, or independent business activity.

App Security & PIN Responsibility:

• Local PIN Protection: The App provides a 6-digit Master/Admin PIN and 4-digit Staff PINs for access control, alongside device biometrics (Fingerprint / Face Unlock).
• Cryptographic Storage: PINs are protected using one-way cryptographic SHA-256 hashing. Because your data is offline, we cannot recover or reset a forgotten PIN for you remotely.
• Device Security: You are strictly responsible for maintaining physical control over your mobile device and preventing unauthorized persons or employees from viewing sensitive customer balances or modifying entries.

Your Responsibility for Data Backups:

• Because Agent Khata does not automatically upload your ledger to cloud servers, you are solely responsible for creating regular backups of your data.
• The App provides built-in tools to create encrypted local backup files and sync backups with your private Google Drive account.
• Data Loss Disclaimer: We shall have no liability whatsoever for any loss or corruption of your data resulting from device theft, accidental deletion, factory reset, liquid damage, hardware failure, operating system updates, or uninstallation of the App without a current backup.

Agent Khata provides core ledger functionality free of charge. We may offer optional premium subscriptions ("Pro Tier", "VIP License") unlocking extended features such as advanced multi-device sync, thermal receipt branding, automated cloud backup schedules, and advanced AI business insights.

• Google Play Billing: In-app purchases and digital subscriptions purchased on Android devices are processed securely via Google Play In-App Billing and are subject to Google Play's Terms of Service.
• Billing Cycles & Automatic Renewal: Paid subscriptions automatically renew at the end of each billing cycle (monthly, quarterly, or yearly) unless canceled at least 24 hours prior to the end of the current period through your Google Play Account settings.
• Price Adjustments: We reserve the right to revise subscription fees upon reasonable advance notice. Any price changes will apply to subsequent billing periods.
• Refund Policy: Except where required by applicable consumer protection laws, subscription fees are non-refundable. For subscriptions purchased through Google Play, refund requests are evaluated and processed directly by Google Play Support in accordance with Google's refund policies.

You agree to use Agent Khata solely for lawful commercial and personal business accounting. You explicitly agree that you shall NOT:

• Use the App to record, facilitate, or disguise transactions connected with money laundering, terrorist financing, illicit trade, gambling, extortion, or any activity prohibited under Pakistani law or international conventions.
• Falsify customer debts (Udhaar) or generate deceptive digital receipts with intent to defraud consumers, suppliers, or tax authorities.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App or its security algorithms.
• Circumvent or tamper with license authentication, app integrity checks, or admin role verifications.
• Use automated scripts, scrapers, or bots to interact with our backend APIs or web services.

Proprietary Rights: All intellectual property rights in Agent Khata—including but not limited to the source code, database structures, UI/UX designs, graphics, branding, logos, documentation, and icons—are the exclusive property of the Developer and protected under copyright, trademark, and trade secret laws.

Limited License: Subject to your compliance with these Terms, we grant you a personal, revocable, non-exclusive, non-transferable, non-sublicensable license to download, install, and use the App on your mobile device for your retail business operations.

User Data Ownership: You retain full, exclusive ownership of all proprietary business records, transaction entries, customer lists, and financial figures you record within the App.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND ALL ASSOCIATED SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT:

• THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE, OR COMPLETELY FREE FROM CODING DEFECTS OR CALCULATION BUGS.
• ALL TRANSACTION SUMMARY FIGURES WILL MATCH EXTERNAL BANK STATEMENTS WITHOUT ERROR.
• THE APP OR SERVERS WILL BE IMMUNE FROM CYBERATTACKS, DATA CORRUPTION, HARDWARE DEFECTS, OR TELECOMMUNICATION FAILURES.

In all circumstances, our maximum aggregate liability to you for any cause whatsoever shall be limited to the amount paid by you, if any, for subscriptions or in-app purchases in the three (3) months immediately preceding the event giving rise to the claim, or PKR 1,000 (whichever is lower).

By You: You may stop using the App at any time by uninstalling it from your device. If you wish to delete all stored records, you can execute a data wipe within Settings → Data Management → Clear All Data, or delete the app completely. Doing so permanently destroys your local database.

By Us: We reserve the right, without prior notice or liability, to suspend, terminate, or restrict your access to cloud services (such as sync, AI keys, or Pro licenses) if you breach any provision of these Terms or engage in abusive, fraudulent, or harmful activity.

For users accessing the App from the European Economic Area (EEA), United Kingdom (UK), or jurisdictions with statutory consumer protections:

• Commercial Purpose: Agent Khata is distributed primarily for professional business use by retailers, merchants, and independent agents.
• Statutory Withdrawal Rights: When purchasing digital subscriptions via Google Play, you acknowledge that performance of the digital service begins immediately upon purchase confirmation, and you agree to Google Play's standard withdrawal and cancellation provisions.
• Public Record & Compliance: In accordance with Google Play's Trader Status declaration mandates, our business contact email and identity are maintained transparently on Google Play and our public web portals.

These Terms and any dispute or claim arising out of or related to them shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, without regard to its conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to this Agreement shall first be negotiated in good faith between the parties. In the event that amicable resolution is not reached within thirty (30) days, the dispute shall be submitted to the exclusive jurisdiction of the competent courts located in Punjab, Pakistan.