Udhaar Khata Hisab Kitab
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Terms of Service

Application: Udhaar Khata - Hisab Kitab (Package: com.orbittechlab.udhaarkhata)
Developer: Orbit Tech Lab | Effective Date: October 2026 | Last Updated: November 2026
Key Note: Udhaar Khata is a digital ledger and bookkeeping utility. It is designed to assist you in tracking credits and debits locally on your phone. It is NOT a bank, payment processor, or moneylender.

1. Agreement to Terms

By downloading, installing, or using the Udhaar Khata - Hisab Kitab mobile application (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not install or use the App.

2. Description of the App & Financial Disclaimer

Udhaar Khata is an offline personal and business ledger management tool.

  • Not a Financial Institution: Udhaar Khata is NOT a bank, financial institution, moneylender, credit broker, or money services business (MSB).
  • No Payment Processing: The App does not facilitate financial transfers, cash withdrawals, online payments, escrow services, or loan disbursements.
  • No Legal Enforcement: The App is a convenience tool for recording entries. Records kept within the App do not automatically constitute legally binding contracts or proof of debt in legal proceedings without corroborating evidence.

3. Offline Architecture & User Responsibility for Backups

Because Udhaar Khata does not sync data to any remote cloud servers, you are solely responsible for safeguarding and backing up your records:

  • Local Storage: All data is saved exclusively on your phone's physical memory. If your device is damaged, lost, stolen, or factory reset without a backup, your records cannot be recovered by Orbit Tech Lab.
  • Regular Backups Recommended: We strongly encourage you to periodically create a backup via Settings > Backup & Restore and save the JSON backup file to a safe external location (such as Google Drive, an SD card, or email).
  • PIN Security: If you enable PIN protection, remember your PIN. Because the PIN is hashed with SHA-256 and stored on-device only, Orbit Tech Lab cannot reset or bypass your forgotten PIN.

4. User Data Ownership

You retain 100% ownership of all records, customer names, contact numbers, notes, and transactions you input into the App. Orbit Tech Lab claims no ownership or rights over your ledger data.

5. Permitted Use

You agree to use the App solely for lawful business or personal record-keeping. You shall not attempt to reverse engineer, decompile, or modify the binary application files, or use the App in connection with any illegal financial activity or fraudulent scheme.

6. Disclaimer of Warranties

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ORBIT TECH LAB DOES NOT WARRANT THAT THE APP WILL BE COMPLETELY UNINTERRUPTED, BUG-FREE, OR FREE FROM DATA CORRUPTION RESULTING FROM HARDWARE FAILURES OR OPERATING SYSTEM ERRORS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ORBIT TECH LAB AND ITS TEAM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF PROFITS, DATA LOSS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE APP.

8. Updates and Modifications

Orbit Tech Lab reserves the right to release updates, bug fixes, or enhancements to the App through official app store distribution channels. These Terms will apply to any updates unless accompanied by a separate license agreement.

9. Termination

You may terminate these Terms at any time simply by deleting all data and uninstalling the App from your device. Orbit Tech Lab may modify or discontinue support for certain legacy Android versions at its discretion.

10. Contact Us

If you have questions or concerns regarding these Terms of Service, please reach out to: