Terms of Service

Contents

1. About the Service
2. Acceptance of Terms
3. Eligibility and Responsible Use
4. Nature of the Service
5. Companion App and Notification Processing
6. Data and Privacy
7. Subscription and Payments
8. Service Availability
9. Deletion and Termination
10. Limitation of Liability
11. Changes to These Terms
12. Related Policies
13. Support, Privacy & Grievance Contact

1 About the Service

Hisab Dost is a bookkeeping companion operated by Michio Systems Private Limited. It helps users record income, expenses, credit entries, and related financial activities through Telegram, WhatsApp, and companion app experiences.

No separate username or password is required; access is linked to your phone number and messaging account.

2 Acceptance of Terms

By using Hisab Dost, you agree to these Terms of Service, our Privacy Policy, and our Data Deletion Policy. If you do not agree, please do not use the service.

3 Eligibility and Responsible Use

You must be 18 years of age or older to use Hisab Dost. By using the service, you confirm that you meet this requirement.

You agree to use the service only for lawful purposes and only for your own business or personal bookkeeping needs.

• Do not misuse, abuse, or attempt unauthorized access to the service.
• Do not upload or send unlawful, fraudulent, or misleading information.
• You are responsible for the accuracy of the transaction details, notes, and other data you provide.

4 Nature of the Service

Hisab Dost is a ledger and assistance tool. It is not a bank, NBFC, payment system, investment advisor, tax advisor, or accounting certification service.

• The service helps organize and summarize financial records.
• You remain responsible for verifying entries, balances, and business decisions.
• You should not rely on the service as the sole basis for legal, tax, banking, lending, or investment decisions.

5 Companion App and Notification Processing

If you choose to enable Notification Access in the companion Android app, the app processes only supported payment confirmation notifications needed for the optional UPI Auto-Capture feature. Manual ledger entries continue to work without Notification Access. Non-UPI notifications are not intended to be processed as service data.

The companion app is intended to extract only limited structured transaction details such as amount, direction, timestamp, party hint, and hashed reference where available. Raw notification text, OTPs, personal chat messages, and full payment messages are not intended to be sent to our servers.

6 Data and Privacy

Your use of the service is also governed by our Privacy Policy. We process data to deliver ledger functions, summaries, security, account management, subscription management, deletion handling, and related product features.

We may use trusted service providers for hosting, database infrastructure, Telegram/WhatsApp messaging, app distribution, and payment processing where applicable. We do not sell user data or share it with advertisers.

7 Subscription and Payments

Hisab Dost offers a Free Limited Plan and a Paid Plan. Certain features may require an active Paid Plan. Pricing, validity, renewal, and feature availability may change from time to time.

• If paid digital features are offered inside the Android app, purchase, billing, renewal, and refund handling will follow the billing or payment system and rules applicable to the store or distribution channel through which the app is installed.
• You are responsible for ensuring that payment details and account information are accurate.
• Subscription activation, expiry, renewal, and payment-failure handling may be recorded for service integrity, accounting, audit, and support purposes.

8 Service Availability

We may improve, modify, suspend, or discontinue any feature of the service at any time. We do not guarantee uninterrupted or error-free availability at all times.

9 Deletion and Termination

You may stop using the service at any time. You may also request deletion of your account data through the in-service deletion flow or by contacting us. Moving between the Free Limited Plan and Paid Plan, expiry of paid access, or uninstalling the companion app does not by itself delete your server-side Hisab Dost account or ledger data.

• /deletedata starts the deletion request
• DELETE confirms the deletion request
• Your account is disabled and new processing stops after confirmation
• /canceldelete may restore the account during the pending deletion window, where available

After the pending deletion window, eligible account data is deleted from active systems. Residual copies may remain in encrypted backup rotation for up to 30 days. Separately, limited records may be retained longer where required for legal, accounting, security, fraud-prevention, audit, tax, billing, or compliance purposes.

10 Limitation of Liability

To the maximum extent permitted by applicable law, Michio Systems Private Limited shall not be liable for indirect, incidental, special, consequential, or business losses resulting from use of, inability to use, delays in, or errors in the service, including issues caused by third-party platforms such as Telegram, WhatsApp, banks, UPI apps, mobile operating systems, hosting providers, or connectivity providers.

11 Changes to These Terms

We may update these Terms from time to time. Continued use of the service after updates means you accept the revised Terms.

12 Related Policies

Privacy Policy: michio.in/privacy.html

Data Deletion Policy: michio.in/data-deletion.html

13 Support, Privacy & Grievance Contact

For support, privacy-related questions, grievance-related requests, legal requests, or data deletion requests:

Email: support@michio.in
Website: michio.in

For in-service deletion requests, the deletion flow follows the product process, including a pending deletion window of up to 8 hours. For email-based support, privacy, grievance, legal, or deletion-related requests, we aim to acknowledge and respond within a reasonable time, typically within 7 working days.

To protect user accounts and personal data, we may ask for limited information necessary to verify that the request belongs to the correct account holder before processing certain requests.