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Terms & Privacy Policy

Last Updated: June 2026

1. Private & Internal Bookkeeping

KhataOS is provided purely as an internal bookkeeping register and inventory logging tool for micro-merchants and personal finance. It is NOT a certified point-of-sale (POS) system, tax invoice generator, fiscal device, or VAT/GST compliance platform. Merchants are solely responsible for calculating and reporting taxes in compliance with their local country laws.

2. Local-First Data Ownership (Privacy-by-Design)

Your database and accounting records are stored directly on your physical device. KhataOS does not upload or centrally store users' bookkeeping records, inventory databases, receipts, or transactional ledgers unless the user explicitly enables backup or synchronization features.

Contacts Permission Disclosure: Contacts (such as names and phone numbers) are processed on the device to populate billing, ledger, and transaction records. For non-personal workspaces, these contacts are securely uploaded to our secure servers to enable contact synchronization across your devices, database backups, and to provide business analytics. We never share or sell your contact list with third parties, and all data transmissions are fully encrypted.

3. Zero-Knowledge Cloud Backup

When you use the KhataOS Vault or personal Google Drive cloud backup:

  • Your data is encrypted locally on your device using keys derived from your private 6-digit backup passcode configured under the Cryptographic Recovery Vault.
  • The cloud server only receives and stores encrypted ciphertext.
  • Neither KhataOS nor any cloud hosting provider has access to the decryption keys or your raw bookkeeping records. If you lose or forget your 6-digit backup passcode, your backed-up data cannot be decrypted or recovered by us.
  • Google Drive appDataFolder Security: Backups created using Google Drive are uploaded directly to the user's private, system-hidden appDataFolder on their personal Google Account. This space is inaccessible to other apps and users, and the developer has no way to view, download, or access any backup data stored there.

4. Limitation of Liability

To the maximum extent permitted by applicable law, KhataOS shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, loss of business opportunities, loss of data, loss of goodwill, business interruption, database corruption, device loss, accounting errors, local tax audit non-compliance, or regulatory penalties arising from use of the application.

5. No Tax, Accounting, or Legal Advice

KhataOS does not provide tax, accounting, auditing, legal, payroll, financial, or regulatory compliance advice. Any information, reports, receipts, summaries, or analytics generated by the application are provided solely for record-keeping purposes. Users should consult qualified professionals regarding their legal, accounting, and tax obligations.

6. User Responsibility for Compliance

Users are solely responsible for complying with all laws, regulations, tax requirements, invoicing requirements, record-retention obligations, and reporting obligations applicable in their jurisdiction. KhataOS does not guarantee that any receipt, report, inventory record, ledger entry, or document generated by the application satisfies local legal or regulatory requirements.

7. Not a Certified Fiscal System

KhataOS is not certified as a fiscal cash register, fiscal printer, fiscal memory device, government-approved point-of-sale system, e-invoicing platform, or tax-reporting platform. Users must independently verify whether additional certified systems are required under local law.

8. Accuracy of Records

Users are responsible for reviewing and verifying the accuracy of all data entered into the application, including inventory records, customer balances, expenses, sales records, receipts, and reports. KhataOS does not warrant that user-generated records are complete, accurate, or suitable for regulatory compliance purposes.

9. Data Loss & Device Responsibility

Because KhataOS operates primarily as a local-first application, users are responsible for maintaining backups and securing access to their devices and recovery credentials. KhataOS shall not be liable for losses arising from device failure, deletion, corruption, loss of recovery phrases, unauthorized access, or user error.

10. No Warranty

The application is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, or regulatory compliance.

11. Privacy & Data Processing

KhataOS is designed to minimize the collection of personal data. Bookkeeping records, transaction records, and inventory data remain stored locally on the user's device unless the user explicitly enables backup or synchronization features. Customer and supplier contact information (name and phone number) in business workspaces is synced and securely backed up to our cloud database to provide data restoration and business analytics. Analytical, diagnostic, or crash reporting data may be processed in accordance with our system configurations and app store policies.

Device Permissions Disclosure:

  • Camera & Photo Library: Access is requested solely to let you scan product barcodes and attach images of invoices, bills, or warranty receipts to your ledger records.
  • Microphone & Audio: Access is used only if you record brief voice memos or receipt attachments.
All files and sensor inputs are processed locally on your device and are never shared or uploaded to third parties except as encrypted backup bundles under your explicit instruction.

12. Receipt Disclaimer

Receipts generated by KhataOS are intended solely for record-keeping and transaction reference purposes. They are not represented as certified tax invoices, VAT invoices, fiscal receipts, or government-approved accounting documents unless explicitly stated otherwise.

13. Governing Law

These Terms shall be governed by the laws of India to the extent permitted by applicable law, without regard to conflict-of-law principles.

14. Service Availability

KhataOS may modify, suspend, or discontinue features or services at any time without prior notice.

15. Eligibility

Users must be at least the minimum legal age required in their jurisdiction to use the application.

16. Changes to These Terms

KhataOS may update these Terms & Privacy Policy from time to time. Continued use of the application after such changes constitutes acceptance of the updated terms.

17. Third-Party Services

KhataOS may integrate with third-party services such as Google Drive, device operating systems, cloud infrastructure providers, analytics providers, or other external services. Use of such services may be subject to their respective terms and privacy policies.

Google AdMob Disclosure: KhataOS integrates the Google AdMob SDK to display advertisements. Google AdMob may collect and process device identifiers, such as the Google Advertising ID (on Android) or IDFA (on iOS), to serve personalized or non-personalized ads, prevent fraud, and measure ad performance, in compliance with Google's Advertising Policies.

18. Sanctions Compliance

KhataOS may restrict access to certain features or services in jurisdictions subject to applicable sanctions, trade restrictions, or legal prohibitions.

19. Account & Data Deletion Rights

We respect your right to control your personal and business data. If you have registered a cloud backup account or shared workspace in KhataOS, you can delete your account and all associated synchronized data at any time:

  • In-App Data Clearing: Go to Settings > Backup > Factory Reset Database in the app. This will instantly delete all local data, terminate your session, and wipe everything on the device.
  • Account & Cloud Deletion Request: If you wish to delete your cloud sync credentials or stored relay/sync database snapshots permanently from our backend, you may email a request to support@khataos.com from your registered email address.

Upon account deletion, all synced ledgers, business workspaces, contact lists, and backups associated with your account stored in our relays and database servers will be permanently and irreversibly purged from our active systems within 30 days.