UdharDiary

Terms & Conditions — UdharDiary

Effective Date: July 18, 2026

Last Updated: July 18, 2026

Service Provider / Legal Entity: UdharDiary (“UdharDiary”, “we”, “us”, or “our”)

Registered / Business Address: Available on request at support@udhardiary.com

Website: https://udhardiary.com

Contact Email: support@udhardiary.com

Support Email: support@udhardiary.com

These Terms & Conditions (“Terms”) govern your access to and use of the UdharDiary mobile application (Android today; iOS in the future), related Flutter admin / manager panel access (where provided), the landing website at https://udhardiary.com, and related Firebase-powered backend services (collectively, the “Service”).

By creating an account, completing OTP login, enabling an MPIN, subscribing, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use UdharDiary.

Our Privacy Policy at https://udhardiary.com/privacy explains how we handle information. If there is a conflict about personal data practices, the Privacy Policy controls for privacy matters; these Terms control for use of the Service.

  1. Acceptance of Terms
  2. Eligibility
  3. Description of the Service
  4. Account Registration
  5. OTP Authentication
  6. MPIN Security
  7. User Responsibilities
  8. Customer Data
  9. Staff Accounts
  10. Manager Accounts
  11. Subscription Terms
  12. Free Plan
  13. Premium Plan
  14. Billing, Auto-Renewal, and Cancellation
  15. Refund Policy
  16. Google Play Billing
  17. Apple Billing (Future)
  18. Advertisements
  19. Acceptable Use
  20. Prohibited Activities
  21. Account Suspension
  22. Account Termination
  23. Data Ownership
  24. Intellectual Property
  25. License
  26. Availability
  27. Offline Functionality
  28. Cloud Sync and Backup
  29. Disclaimer of Warranties
  30. Limitation of Liability
  31. Indemnification
  32. Third-Party Services
  33. Privacy Policy Reference
  34. Changes to Terms
  35. Governing Law
  36. Jurisdiction
  37. Contact Information
  38. Miscellaneous

By accessing or using UdharDiary, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy. If you use the Service on behalf of a shop, partnership, company, or other entity, you represent that you are authorized to bind that entity, and “you” includes that entity.

You must:

  • be at least 18 years of age (or the age of majority in your jurisdiction);
  • have legal capacity to enter a binding contract;
  • use the Service for lawful shop / business credit-management purposes; and
  • not be barred from using the Service under applicable law or platform rules (Google Play / future Apple App Store).

UdharDiary is intended for shopkeepers and their authorized adult staff/managers, not for children.

UdharDiary is a shop credit (“udhar”) management application that enables authorized users to:

  • sign in with phone OTP (Firebase Authentication);
  • protect local access with an MPIN;
  • manage customers and customer phone numbers;
  • record credit transactions and payment history;
  • set and receive reminder notifications (via Firebase Cloud Messaging, subject to device permission);
  • work offline-first with local storage (Isar) and automatic cloud sync to Cloud Firestore when online;
  • use cloud backup / sync features as offered on applicable plans;
  • add staff and configure manager access as offered;
  • view reports;
  • use a Free plan (with advertisements via Google AdMob) or subscribe to Premium; and
  • access related admin/manager surfaces where provided.

UdharDiary is not a bank, NBFC, payment aggregator, UPI app, lending platform, or debt-collection agency. It is a digital record-keeping and reminder tool for your shop’s credit book.

To use core App features you must register / sign in using a valid mobile phone number capable of receiving OTPs.

You agree to:

  • provide accurate owner name, shop name, and other profile information you submit;
  • keep account information reasonably up to date;
  • maintain control of the phone number used for login; and
  • notify us promptly at support@udhardiary.com if you suspect unauthorized account access.

One phone number generally maps to one primary account identity unless we expressly support otherwise in-product.

Authentication is provided through Firebase Authentication using one-time passwords (OTP) sent to your phone number (delivery depends on your carrier/device and Firebase/Google messaging pathways).

You are responsible for:

  • ensuring you control the phone number;
  • not sharing OTPs with anyone; and
  • securing devices used to receive OTPs.

We are not liable for OTP delivery failures caused by carriers, device settings, number reassignment, or third-party messaging outages beyond our reasonable control.

UdharDiary may allow you to set an MPIN (or similar app lock) to reduce unauthorized local use of the App on a device.

You agree to:

  • choose an MPIN that is not easily guessable;
  • not share your MPIN;
  • re-secure the App if a device is lost or staff access changes; and
  • understand that MPIN protection is a local safeguard and does not replace device lock screens or account OTP security.

We will never ask for your MPIN, UPI PIN, banking passwords, or card details by email, SMS, or social media.

You are solely responsible for:

  1. The accuracy and legality of all records you enter (customers, credits, payments, reminders, staff/manager details).
  2. Obtaining any consents or notices required under law for storing your customers’ names and phone numbers in your shop records.
  3. Your business decisions based on App reports or reminders.
  4. Configuring reminder notifications and verifying due amounts before collection conversations with customers.
  5. Maintaining compatible devices, OS versions, and internet access when sync or cloud features are needed.
  6. Backing up critical business information according to your own operational needs.
  7. Compliance with tax, accounting, consumer, and debt-collection laws applicable to your shop.
  8. All activity under your account and under staff/manager access you authorize.

UdharDiary does not verify the correctness of udhar balances you enter and does not guarantee recovery of money from your customers.

Customer names, customer phone numbers, credit transactions, payment history, and reminder information that you enter are your business records.

You represent and warrant that:

  • you have a lawful basis to store and process that customer information in UdharDiary;
  • you will not use the Service to harass, threaten, spam, or unlawfully contact customers; and
  • you will not upload unlawful, infringing, or highly sensitive data that the App is not designed to handle (for example, government secrets, full payment card data, or UPI PINs).

We process customer data you enter to provide sync, offline storage, notifications, reports, and authorized multi-user access, as described in the Privacy Policy.

If your plan and App version support staff accounts:

  • only the account owner (or authorized manager, if permitted by product rules) may invite or create staff access;
  • staff may access shop data according to permissions granted in the App;
  • you must revoke staff access when a person leaves your shop or no longer needs access; and
  • you remain responsible for staff misuse of the Service.

Staff must be adults authorized by the shop. Sharing the owner OTP/MPIN instead of proper staff accounts is strongly discouraged and is at your sole risk.

If your plan and App version support manager access:

  • managers may be granted elevated operational permissions as implemented in the product (for example, oversight of staff or shop records);
  • you must grant manager rights only to trusted persons; and
  • manager actions are attributed to your shop’s use of the Service for compliance and abuse-review purposes.

We may add, limit, or refine manager permissions in future updates.

UdharDiary offers a Free plan and paid Premium plans. Feature availability depends on your active plan, platform, and App version.

Current Premium positioning (as offered on the landing website / in-app store listing, and subject to change) may include benefits such as:

  • unlimited customers (versus Free plan limits);
  • smart / advanced reminders and reports as offered;
  • cloud backup features as offered;
  • staff management;
  • no advertisements; and
  • priority support where stated.

Published prices (for example, Premium Monthly and Premium Yearly amounts shown on https://udhardiary.com) are indicative and may vary by country, taxes, storefront, promotions, and store billing rules. The price shown in Google Play (and future App Store) at purchase time controls.

The Free plan may include:

  • limited customers (for example, up to the Free plan customer limit stated in-product / on the website);
  • basic reminders and payment tracking as offered; and
  • advertisements via Google AdMob.

Free plan features may change. We may adjust limits to keep the Service sustainable.

Premium unlocks paid features for the subscription period purchased, which may include unlimited customers, advanced reports, cloud backup features as offered, staff management, and an ad-free experience, subject to active entitlement.

Premium is a digital subscription for software access. It is not:

  • a loan;
  • a guarantee of customer repayment; or
  • insurance against data loss if you disable sync, uninstall the App, or lose a device with unsynced local-only changes.

Paid subscriptions on Android are billed through Google Play Billing. Future iOS subscriptions will be billed through Apple In-App Purchase.

Subscriptions typically auto-renew at the end of each billing period (monthly or yearly, as selected) unless you cancel according to the store’s cancellation flow before the renewal date.

You can cancel auto-renewal in your Google Play subscription settings (Android) or Apple subscription settings (future iOS). Cancellation stops future renewals; you generally retain Premium until the end of the then-current paid period, unless the store or applicable law provides otherwise.

We or the platform store may change subscription prices prospectively. Where required, you will be notified according to Google Play / Apple rules and applicable law. Continued renewal after notice may constitute acceptance of the new price.

Prices may be inclusive or exclusive of applicable taxes depending on storefront settings and jurisdiction.

Refunds for mobile subscriptions are primarily governed by:

  • Google Play’s refund policies for Android purchases; and
  • Apple’s refund policies for future iOS purchases.

To request a refund:

  1. First use the Google Play (or Apple) subscription / order refund request flow; and/or
  2. Contact support@udhardiary.com with your purchase order details if you need help locating the store refund option.

Unless required by applicable law or expressly promised in writing by us, subscription fees are non-refundable after the store’s refund window, including for partially used periods, unused Premium features, or account deletion before period end.

If a refund is issued by Google or Apple, Premium access may be revoked.

Android Premium purchases and renewals are processed by Google under Google Play’s terms. You must comply with Google Play Terms of Service and any payment profile requirements.

We receive entitlement / purchase status information needed to activate or deactivate Premium features. We do not receive your full payment card number or UPI PIN through UdharDiary.

When UdharDiary is distributed on the Apple App Store, in-app Premium purchases will be processed by Apple under Apple’s Media Services Terms and App Store rules. Cancellation and refunds will follow Apple’s processes. These Terms will apply to iOS use with platform-specific billing differences noted here.

Free plan users may see third-party advertisements served by Google Mobile Ads (AdMob). Ads may use advertising identifiers and related technologies described in the Privacy Policy.

You agree not to interfere with ad display (for example, by unauthorized ad blocking inside the App, click fraud, or manipulating impressions). Premium is the supported path for an ad-free experience.

You agree to use UdharDiary only for lawful shop credit management and related business record-keeping, in accordance with these Terms, Google Play policies, future Apple policies, and applicable law (including India’s DPDP Act and other privacy/consumer laws).

You must not:

  1. Use the Service for fraud, money laundering, illegal lending, harassment, extortion, or unlawful debt collection practices.
  2. Attempt to reverse engineer, decompile, or extract source code except to the limited extent permitted by law.
  3. Probe, scan, or attack Firebase endpoints, APIs, or other users’ accounts.
  4. Bypass subscription, authentication, MPIN, or security controls.
  5. Upload malware or interfere with Service integrity.
  6. Misrepresent your identity or shop affiliation.
  7. Use staff/manager features to snoop unlawfully or violate employee/customer rights.
  8. Scrape, bulk-export, or resell the Service or other users’ data without authorization.
  9. Use AdMob inventory in prohibited ways (invalid traffic, incentivized forced clicks, etc.).
  10. Store payment card full data, UPI PINs, or other prohibited sensitive credentials in free-text fields.
  11. Use the Service if you are a sanctioned person/entity or for sanctioned activities.
  12. Violate Google Play Developer Policy, Apple App Store Review Guidelines (when applicable), or Firebase / Google acceptable use rules.

We may suspend access immediately if we reasonably believe you have violated these Terms, pose a security risk, generate abusive traffic, engage in fraud, or if required by law or platform enforcement (Google / Apple).

During suspension, sync, Premium entitlements, or notifications may be interrupted. We may request information to investigate.

You may stop using the Service at any time and may request account deletion as described in the Privacy Policy (in-app flow if available and/or email to support@udhardiary.com).

We may terminate or refuse Service for repeated or material violations, prolonged inactivity where permitted, legal compulsion, or Service discontinuation.

Upon termination or deletion:

  • your license to use the App ends;
  • cloud data may be deleted per the Privacy Policy;
  • local Isar data may remain on devices until cleared/uninstalled; and
  • accrued fee obligations and Sections that should survive (including intellectual property, disclaimers, liability limits, indemnity, and governing law) will survive.

As between you and UdharDiary:

  • You own the business content you enter (customer records, transactions, payments, reminders, shop profile content you provide), subject to the license below.
  • We own the UdharDiary software, branding, UI, templates, documentation, and aggregated/anonymized insights that do not identify you or your customers.

You grant us a worldwide, non-exclusive license to host, store, sync, backup, process, transmit, and display your content solely to operate, maintain, secure, and improve the Service and as otherwise described in the Privacy Policy.

All rights in the UdharDiary name, logos, app design, code, copy, and related materials are owned by UdharDiary or its licensors. These Terms do not transfer ownership of any intellectual property to you.

You may not copy, modify, distribute, publicly display, or create derivative works from the App except as expressly allowed by us in writing or by mandatory law.

Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use UdharDiary on devices you own or control for your internal shop business purposes, in accordance with the Free or Premium plan then applicable.

You may not rent, sublicense, or commercially exploit the App as a competing service bureau without our prior written consent.

We aim for reliable availability of cloud sync, authentication, notifications, and website access, but do not guarantee uninterrupted or error-free operation. Maintenance, Firebase/Google outages, network issues, or force majeure events may cause downtime.

Scheduled or emergency maintenance may occur without prior notice when reasonably necessary.

UdharDiary is designed to work offline for core local record-keeping using Isar (local database). Offline mode depends on device storage health and App integrity.

Offline changes sync when connectivity returns, subject to conflict-handling logic in the App. You should verify critical balances after sync if multiple staff edit records.

When online, the App may automatically synchronize data with Cloud Firestore and related Firebase services, and Cloud Functions may support backend workflows.

Cloud backup / sync features help protect against device loss compared to local-only usage, but are not an absolute guarantee against all data loss scenarios (for example, account compromise, delayed sync, deletion by an authorized user, or platform outages). Maintain independent business records if your operations require it.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the above, we do not warrant that:

  • balances, reports, or reminders are accurate if you or your staff enter incorrect data;
  • notifications will always be delivered on time by device OS / FCM / carriers;
  • offline storage will survive device failure;
  • the Service will meet your collection, accounting, or legal compliance needs without your own professional advice; or
  • third-party ads or storefronts will be uninterrupted.

Some jurisdictions do not allow certain disclaimers; in those cases, disclaimers apply to the fullest extent permitted.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  1. UdharDiary AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.
  2. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IN ANY TWELVE (12) MONTH PERIOD WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR PREMIUM ACCESS DURING THAT PERIOD (EXCLUDING STORE FEES RETAINED BY GOOGLE/APPLE), OR (B) INR 2,000 (OR EQUIVALENT).
  3. WE ARE NOT LIABLE FOR DISPUTES BETWEEN YOU AND YOUR CUSTOMERS, STAFF, OR MANAGERS, OR FOR MONEY YOUR CUSTOMERS OWE YOU.

Nothing in these Terms excludes liability that cannot be excluded under applicable law (for example, certain consumer rights or liability for fraud / willful misconduct where mandatory).

You agree to indemnify, defend, and hold harmless UdharDiary and its officers, directors, employees, and agents from and against claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

  • your use of the Service;
  • customer, staff, or manager data you submit;
  • your collection practices or communications with customers;
  • your breach of these Terms or applicable law; and
  • disputes between you and third parties (including customers or employees).

The Service depends on third parties, including:

  • Firebase Authentication, Cloud Firestore, Cloud Functions, Firebase Cloud Messaging, and related Google Firebase services;
  • Google AdMob for Free plan ads;
  • Google Play Billing for Android subscriptions;
  • Apple In-App Purchase for future iOS subscriptions;
  • Vercel for the landing website; and
  • device OS push-notification frameworks.

Third-party terms and privacy policies apply to those services. We are not responsible for third-party outages, policy changes, or store decisions (including app review, removal, or billing disputes handled by Google/Apple), except as required by law.

Your use of UdharDiary is also governed by our Privacy Policy at https://udhardiary.com/privacy. Topics such as OTP phone numbers, Firestore sync, Isar offline storage, AdMob, GA4 on the website, FCM notifications, retention, and account deletion are described there.

We may modify these Terms from time to time. The Effective Date will be updated when changes are published on https://udhardiary.com/terms and/or in the App store listing / in-app notice.

If changes are material, we will provide reasonable notice where practicable. Continued use after the updated Effective Date constitutes acceptance, except where mandatory law requires a different process. If you disagree with updated Terms, stop using the Service and request account deletion.

These Terms are governed by the laws of India, without regard to conflict-of-law principles that would require another jurisdiction’s laws. Where DPDP or other mandatory consumer protections apply, those rights remain available.

Subject to mandatory consumer protections:

  • the competent courts of India shall have jurisdiction over disputes arising out of or relating to these Terms or the Service, preferably the courts at India, India; and
  • you and UdharDiary consent to that jurisdiction to the extent permitted by law.

If you are a consumer entitled to bring claims in your local courts under mandatory law, that right is not waived beyond what the law allows.

For questions about these Terms, billing help (non-store), or account issues:

Item Details
Legal entity UdharDiary
Address Available on request at support@udhardiary.com
Contact email support@udhardiary.com
Support email support@udhardiary.com
Website https://udhardiary.com
Privacy Policy https://udhardiary.com/privacy
Terms https://udhardiary.com/terms

For subscription refunds/cancellations, use Google Play (Android) or Apple (future iOS) subscription management first.

  • Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service, superseding prior understandings on the same subject.
  • Severability. If any provision is unenforceable, the remainder stays in effect.
  • No waiver. Failure to enforce a provision is not a waiver.
  • Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or Service transfer.
  • Force majeure. We are not liable for delays/failures caused by events beyond reasonable control (including outages at Google Firebase, Play, Apple, networks, or natural disasters).
  • Language. If these Terms are translated, the English version controls unless mandatory local law requires otherwise.
  • Platform rules. Google Play and (future) Apple App Store rules also apply to distribution and in-app purchases.
  • Placeholders. Before publishing, replace all [PLACEHOLDER] values with your final legal entity details.

End of Terms & Conditions

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