This policy is effective from 26/06/2023.

Naapbooks Limited ("NBL") is the owner and publisher of Mera Khata (hereinafter referred to as the "Application", the term shall unless repugnant to the context thereof mean include all Applications and online resources owned by NBL including but not limited to Mera Khata and any mobile application). These Terms and Conditions (hereinafter referred to as "Terms'' shall govern the use of the Application by any person (hereinafter referred to as "User" willing to access the Application and / or use any of the Services offered by the Application. All Users are requested to read through, understand and accept these Terms and the Privacy Policy of Mera Khata prior to using the Application.
It is disclaimed that these Terms constitute as an electronic document defined under the Information Technology Act (IT) 2000 and/or any other law as amended by the IT Act 2000. These Terms do not require any signatures (physical or digital) and the User shall be bound by these Terms and Privacy Policy by accessing the Application. Also, use of the Services offered by the Application by any User shall be construed as such person’s acceptance of these Terms. Any User not agreeing to these Terms shall not use any Services provided by the Application in any manner whatsoever.
Any User accessing the Application and willing to avail the Services offered by the Application must have attained the prescribed minimum age i.e. 18 (Eighteen) years to enter into a valid contract and must be competent to enter into a contract under all applicable laws. Any User below the prescribed minimum age is advised to use the Application and/or any Services offered by the Application through their guardians or parents. No User below the prescribed age is allowed to use the Application in their personal capacity and in the event so done, shall be liable for their actions.
NBL, any of its business divisions and / or its subsidiaries, associate companies or subsidiaries to subsidiaries or such other investment companies (in India or abroad) reserve their respective rights to revise/ amend/alter/delete these Terms, in part or as a whole, at any point in time. Users are advised to keep themselves updated. The Application is under no obligation to intimate any User regarding any revisions/amendments/alterations or deletions made by the Application.

1. DEFINITIONS
1.1 "Content" shall mean and include but not limit to any text, software, scripts, graphics, photographs, sounds, music, videos, audio-visual combinations or any other such material available on the Application.
1.2 “Force Majeure” shall mean any and all events beyond the control of the Application,which restricts NBL from performing its duties and obligations contained herein under, including but not limited to any act of God, war, riot, black outs, terrorist attacks, failure in supply of water or electricity, electrical surges or spikes.
1.3 “Intellectual Property” shall mean collectively or individually, the following worldwide rights relating to intangible property, whether or no filed, perfected, registered or recorded and whether now or hereafter existing, issued or acquired: (i) patents, patent disclosures, patent rights, know-how, including any and all continuations, continuations-in-part, divisions, reissues, re-examinations, utility, model and design patents or any extensions thereof; (ii) rights associated with works of authorship, including without limitation, copyrights, copyright applications, copyright registrations; (iii) rights in trademarks, trademark registrations, and applications therefore, trade names, service marks, service names, logos, or trade dress; (iv) rights relating to the protection of trade secrets and Confidential Information; and (v) internet domain names, internet and world wide web URLs or addresses; and (vi) any and all other intellectual or proprietary rights anywhere in the world including rights of privacy and publicity, whether or not requiring registration and whether or not such registration has been obtained.
1.4 "Services" shall mean any and all services made available to the Users on the Application.

2. GENERAL CONDITIONS FOR USING APPLICATION
2.1 Users shall ensure that the use of the Application shall be in compliance with the applicable laws in the User’s jurisdiction.
2.2 The Application is made available only for individuals who have attained the minimum prescribed age to enter into a contract. Any User below the minimum prescribed age may access and use the Application only under the supervision of a parent or a guardian who has attained majority. Any use and access in violation of this Provision shall be considered fraudulent and the Application reserves all rights to take necessary actions available under law.
2.3 The Users shall ensure that they do not sub-license, sell, offer for sale, rent, commercially exploit the rights provided/ granted by the Application, if any. The Users shall not at any given circumstance modify or alter any Service offered by the Application.
2.4 The User are prohibited from violating or attempting to violate the security of theApplication, including, without limitation,(1) accessing data not intended for such User or logging into a server or account which the User is not authorized to access,(2) attempting to probe, scan or test the vulnerability of a system or network or to breach the security or authentication measures without proper authorization,(3) attempting to interfere with Service to any User, host or network, including without limitation, via means of submitting any virus or malware to the Application, overloading, "flooding", "mail bombing" or "crashing", or(4) sending unsolicited electronic mail, including promotions and/or advertising of products or services or(5) modify or attempt to hack the Application. Violations of system or network security may result in civil and criminal liability. The Application and/or NBL shall reserve the right to investigate occurrences that they suspect as involving such violations and will have the right to involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.
2.5 All Services offered by the Application are provided on an “AS-IS” basis and the Users may choose to avail the Services at their option and at their risk.
2.6 Users shall not use the Application for any purpose which is contrary to the activities permitted under these Terms or that which is prescribed and allowed by law.
2.7 Users shall not block or restrict the use of the Application for any other User.
2.8 Users shall not advertise, market, promote anything without expressed written consent of the Application.
2.9 The Users shall not hack, reverse engineer, replicate, reproduce any Product, Service or any materials on the Application.
2.10 User shall not in a manner infringe the copyright, trademark, trade secret or any other intellectual property rights of the Application or others or violate the privacy or publicity of other personal rights of others, or transmit any material that is libellous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.
2.11 The Application may contain or may provide links to other Applications. These links are provided solely as a convenience to Users. Wherever such link/s lead to sites which do not belong to NBL and/or its associate entities, NBL is not responsible for the content of linked sites and does not make any representations regarding the correctness or accuracy of the content on such Applications. If the Users decide to act upon the information provided on such Applications, they may do so at their own risk. The Application or NBL and/or its associate entities shall not be responsible for any losses that the Users may incur as a result of their use of such Applications. The Application Does not in any way solicit or promote use of such Applications. Similarly, this Application can be made accessible through a link created by other Applications. Access to this Application through such link/s shall not mean or be deemed to mean that the objectives, aims, purposes, ideas, concepts of such other Applications or their aim or purpose in establishing such link/s to this Application are necessarily the same or similar to the idea, concept, aim or purpose of our web site or that such links have been authorised by NBL and / or its associate entities. In the event that any link/s afforded by any other web site/s are derogatory in nature to the objectives, aims, purposes, ideas and concepts of this Application is utilised to visit this Application and such event is brought to the notice or is within the knowledge of NBL and / or its associate entities, civil or criminal remedies as may be appropriate shall be invoked
CONDITIONS FOR USING MOBILE APP By downloading or using the app, these terms will automatically apply to you – you should make sure therefore that you read them carefully before using the app. You’re not allowed to copy, or modify the app, any part of the app, or our trademarks in any way. You’re not allowed to attempt to extract the source code of the app, and you also shouldn’t try to translate the app into other languages, or make derivative versions. The app itself, and all the trade marks, copyright, database rights and other intellectual property rights related to it, still belong to Naapbooks Limited .
Naapbooks Limited is committed to ensuring that the app is as useful and efficient as possible. For that reason, we reserve the right to make changes to the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you’re paying for.
The Mera Khata app stores and processes personal data that you have provided to us, in order to provide our Service. It’s your responsibility to keep your phone and access to the app secure. We therefore recommend that you do not jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the Mera Khata app won’t work properly or at all.
The app does use third party services that declare their own Terms and Conditions.
Link to Terms and Conditions of third party service providers used by the app
Google Play Services
Google Analytics for Firebase
Facebook
You should be aware that there are certain things that Naapbooks Limited will not take responsibility for. Certain functions of the app will require the app to have an active internet connection. The connection can be Wi-Fi, or provided by your mobile network provider, but Naapbooks Limited cannot take responsibility for the app not working at full functionality if you don’t have access to Wi-Fi, and you don’t have any of your data allowance left. If you’re using the app outside of an area with Wi-Fi, you should remember that your terms of the agreement with your mobile network provider will still apply. As a result, you may be charged by your mobile provider for the cost of data for the duration of the connection while accessing the app, or other third party charges. In using the app, you’re accepting responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. If you are not the bill payer for the device on which you’re using the app, please be aware that we assume that you have received permission from the bill payer for using the app. Along the same lines, Naapbooks Limited cannot always take responsibility for the way you use the app i.e. You need to make sure that your device stays charged – if it runs out of battery and you can’t turn it on to avail the Service, Naapbooks Limited cannot accept responsibility. With respect to Naapbooks Limited ’s responsibility for your use of the app, when you’re using the app, it’s important to bear in mind that although we endeavour to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. Naapbooks Limited accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app. At some point, we may wish to update the app. The app is currently available on Android & iOS – the requirements for both systems(and for any additional systems we decide to extend the availability of the app to) may change, and you’ll need to download the updates if you want to keep using the app. Naapbooks Limited does not promise that it will always update the app so that it is relevant to you and/or works with the Android & iOS version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.

3. INDEMNITY AND LIMITATION OF LIABILITY
3.1 Users shall be liable to defend, indemnify and hold the Application, NBL, its officers,directors, employees, agents and licensors harmless from all judgments, awards, losses, liabilities, costs and expenses, including but not limited to reasonable attorney fees, expert witness fees, and costs of litigation arising out of Users use of the Application, Products, Services, or any violation of any rights of a third party.
3.2 Users Hereby Accept And Agree That Under No Circumstances Shall The Application,nbl, Its Service Providers, Partners, Agents, Affiliates, Representatives, Agents, Employees Or Directors Be Liable For Any Loss, Indirect, Incidental, Punitive, Special, Consequential Or Exemplary Damages, Including But Not Limited To Any Loss Of Profits, Loss Of Goodwill, Loss Of Revenue, Loss Of Opportunity Or Loss Of Information Whether Arising Out Of This Agreement, Under Tort (including Negligence) Or Due To The Use Of The Services Regardless Of Whether The Application Had Been Advised Of The Possibility Of The Same.

4. INTELLECTUAL PROPERTY
4.1 Any and all Intellectual Property present anywhere within the Application or the Products or Services, including but not limited to any patents, trademarks, logos, icons, domain names or copyright, shall be that belonging to the Application or otherwise duly licensed or obtained and Users shall not in any manner use the same unless with the express written consent from the Application.
4.2 Users are hereby expressly prohibited from reverse engineering, decompiling, disseminating, disassembling or using any other means to know, understand or obtain the source code forming a part of the Application.
4.3 In the event, any User infringes or makes any unauthorised use of any Intellectual Property belonging to the Application, the Application reserves the right to exercise all rights and remedies available to it under any law.
4.4 Material and content available anywhere on the Application or the Products or Services may be made available subject to certain limitations including limitations pertaining to its use, reproduction, distribution and dissemination. Users shall be solely responsible in ensuring that they are complying with such limitations.

5. Support
As long as User is current on the payment of Fees, NBL shall provide Support in accordance with its standard Support services.

6. REPRESENTATIONS AND WARRANTIES
6.1 The Application Hereby Disclaims All Warranties Relating To The Application And The Services And Does Not Make Any Representations Or Warranties That The Services Shall Be Continuous, Uninterrupted, Error Free, Free From Any Viruses Or Shall Serve The Purposes Intended By The User. Neither Does Wan Make Any Representations Or Warranties Pertaining To The Accuracy, Reliability, Fitness, Merchantability Or Compatibility Of The Application Or The Services.
6.2 All Of The Information Provided By The Application Anywhere Within The Application Shall Be Provided On An ‘as Is’ Basis And Users May Rely On The Same Only After Consulting With An Expert.
6.3 The Application Hereby Excludes Any And All Representations And Warranties To The Extent Permitted Under Law

7. CONTACT
7.1 Any User wishing to contact the Application for anything may do so by referring to the Application contact page.

8. MODIFICATIONS
8.1 The Application reserves the right to modify or amend the whole or any part of theseTerms without any prior notice. In the event of any amendments or modifications to the same, the revised Terms shall commence to be binding upon the User from the time it is made available on the Application. Hence, all Users are requested to frequently check for revisions of the Terms.
8.2 The Application reserves the right to introduce new limitations with regard to the access and use of the Application and the Services at any time and without any notice.

9. ENTIRETY
9.1 These Terms and any other policy implemented by the Application from time to time shall form the entire agreement and understanding between the Users and the Application.

10. SEVERABILITY
10.1 In the event that any part of these Terms is found to be invalid, unlawful or otherwise unenforceable, such invalid, unlawful, unenforceable portion shall be completely severable from this Agreement and shall be replaced with a provision that most closely reflects the Application’s intention while remaining valid, lawful and enforceable

11. WAIVER
11.1 Any delay on the part of the Application in taking appropriate action against any User shall not be construed as a waiver of the Application’s right and shall not impede the Application’s right of taking action at a later stage.
11.2 The Application reserves the right to introduce new limitations with regard to the access and use of the Application and the Services at any time and without any notice.
11.3 The Application Hereby Excludes Any And All Representations And Warranties To The Extent Permitted Under Law

12. ARBITRATION, GOVERNING LAW AND JURISDICTION
12.1 In the event of a dispute or claim arising with regard to this Terms or any other Application policy, the Users and the Application shall first attempt to resolve the same amicably through discussions.
12.2 In the event that the Parties are unable to solve the disputes or claims in an amicable manner, the Parties shall attempt to resolve the same through Arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996 as amended from time to time. The Arbitrator shall be appointed by the Application and Users hereby consent to the same. The seat for such Arbitration shall be Mumbai andall Arbitration proceedings shall be in English.
12.3 In the event that the Parties are unable to solve the disputes or claims in an amicable manner, the Parties shall attempt to resolve the same through Arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996 as amended from time to time. The Arbitrator shall be appointed by the Application and Users hereby consent to the same. The seat for such Arbitration shall be Mumbai andall Arbitration proceedings shall be in English.
12.4 These Terms shall be governed by and construed in accordance with all applicable laws of India and the courts at Mumbai shall have exclusive jurisdiction over any matter arising out of these Terms.

13. ABOUT CONFIDENTIAL INFORMATION
13.1 Mera Khata does not want to receive confidential or proprietary information from you through our Application. Please note that any information or material sent to Mera Khata will be deemed NOT to be confidential. By sending Mera Khata any information or material, you grant Mera Khata an unrestricted, irrevocable license to copy, reproduce, publish, upload, post, transmit, distribute, publicly display, perform, modify, create derivative works from, and otherwise freely use, those materials or information. You also agree that Mera Khata is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose.
We will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law. Personally-identifiable information that you submit to Mera Khata for the purpose of receiving products or services will be handled in accordance with our privacy policies

14. DISCLAIMER
From time to time, this Web site may contain technical inaccuracies or typographical errors, and we do not warrant the accuracy of any posted information. Please confirm you are using the most up-to-date pages on this Web site, and confirm the accuracy and completeness of information before using it to make decisions relating to services, products, or other matters described in this Web site.If any term in this Terms of Use is found by competent judicial authority to be unenforceable in any respect, the validity of the remainder of this Terms of Use will be unaffected, provided that such unenforceability does not materially affect the parties’ rights under this Terms of Use. Warranty disclaimers explain that sellers and service providers are not bound by any implied promises about their products in the event of failures or defects. These statements vary depending on the nature of your business, but typically explain that a product or service is offered “as is” — implying that the customer or user accepts it in its current condition, including any unseen faults. The company makes no promises about the accuracy and reliability of the content it publishes.