Terms of Use

This agreement

These terms are between you and ACKPlus Solutions Private Limited, a company registered in India, which publishes its products under the ACKBiz brand. ACKBiz is a brand name, not a separate legal entity.

By installing or using any of our apps, games or websites, you accept these terms. If you do not accept them, do not use the product.

Where you obtained an app from Google Play or the Apple App Store, that store's own terms also apply to the download and to any purchase. Where those terms conflict with these on a matter the store governs, the store's terms prevail.

What you may do with our apps

We give you a personal, non-exclusive, non-transferable licence to install and use our apps on devices you own or control, for your own use, whether personal or in your own business.

You may not:

• Copy, sell, rent, sublicense or redistribute an app, or charge others for access to it
• Reverse engineer, decompile or attempt to derive the source code, except where the law expressly permits it despite this restriction
• Remove or obscure any notice of ownership in the app
• Modify an app, or build a derivative product from it
• Use an app to break the law, to infringe someone's rights, or to store or distribute unlawful content
• Interfere with an app's operation, or attempt to defeat any technical limitation in it
• Use automated means to access a service we operate in a way that burdens it unreasonably

Your records are yours

The records you create in our apps -- your ledgers, accounts, expenses, documents, photographs, medical records and everything else you enter -- belong to you. We claim no ownership of them and no right to use them.

You are responsible for what you put into an app: for its accuracy, for having the right to hold it, and for complying with any law that applies to it. If you record information about other people, such as customers, employees or family members, you are responsible for doing so lawfully.

How we handle information is set out in the privacy policy, which forms part of these terms.

Backups are your responsibility

This matters more than anything else on this page. Most of our apps store your records on your device and nowhere else. If the device is lost, damaged, reset, or the app is uninstalled, that data is gone and we cannot recover it, because we never had a copy.

Where an app offers an export or a backup, use it, and keep the result somewhere safe. Where a backup is held in your own Google account, it is governed by that account and by Google's terms, and we can neither restore nor delete it for you.

We do not guarantee that any backup will be complete, available or restorable. Please do not rely on a single copy of records that matter to you.

Advertising and purchases

Some of our apps are free and are supported by advertising. We choose to show ads; we do not choose which particular ad you see, and we are not responsible for the content of an advertisement or for anything an advertiser does. An ad is not a recommendation from us.

Where an app offers a purchase, the transaction is with the app store, not with us. Prices, taxes, receipts, refunds and cancellations are handled by the store under its own policy. We cannot issue a refund for a store purchase; the store can.

Services we do not control

Our apps rely on services operated by others, including the app stores, Google services for sign-in, storage and advertising, and your device's own operating system. Those services have their own terms and their own privacy policies, and we do not control them.

Where an app links to a website we do not operate, we are not responsible for what is there.

Availability and changes

We may update an app, change what it does, or stop publishing it. We may also stop operating a service that supports it. Where we withdraw something you rely on, we will give reasonable notice where we practically can, and where a service holds your data we will tell you how to export it first.

We do not promise that an app will always be available, that it will work on every device, or that it will be free of faults. An app may stop working on an older operating system that we no longer support.

Our apps are tools, not advice

Several of our apps perform financial calculations or hold records about money, farming or health. They are tools for your own record keeping and estimation.

Nothing an app produces is financial, legal, tax, accounting, agricultural or medical advice, and it must not be relied on as such. A loan calculation is an estimate and will not match a lender's figure exactly. A health record is a record you keep, not a clinical document. Before acting on anything that matters, check it with a qualified professional.

What we do not promise

Our products are provided as they are, without warranty of any kind, to the fullest extent the law allows. We do not warrant that a product will meet your requirements, that it will be uninterrupted or error free, or that any result it produces will be accurate.

Some countries give you rights that cannot be excluded by an agreement. Nothing here removes those rights, and where a term below is not permitted where you live, it does not apply to you.

Limits on liability

To the extent the law allows, we are not liable for indirect or consequential loss, for lost profits, lost business or lost opportunity, or for loss or corruption of data, however it arises.

Where we are liable despite the above, our total liability to you for all claims connected with a product is limited to the greater of the amount you paid us for that product in the twelve months before the claim, or one thousand rupees.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited.

Ending this agreement

You may end it at any time by uninstalling our apps and no longer using our products.

We may suspend or end your access to a service we operate if you breach these terms, if we are required to by law, or if continuing would expose us or other users to harm. Where we do, we will tell you why unless we are prevented from doing so.

The sections on your records, liability, and governing law continue to apply after this agreement ends.

Changes to these terms

We may revise these terms as our products change or as the law requires. The date at the top of this page is when they last changed, and the current version is always the one published here.

Where a change materially affects your rights, we will make it clear in the app or on this site. Continuing to use a product after a change takes effect means you accept the revised terms.

Governing law

These terms are governed by the laws of India. The courts at Ahmedabad, Gujarat have exclusive jurisdiction over any dispute arising from them, except that we may bring proceedings to protect our intellectual property in any court with jurisdiction.

If you are a consumer, this does not deprive you of the protection of the mandatory law of the country where you live, or of the right to bring proceedings there where that law gives it to you.

If any part of these terms is found unenforceable, the rest continues to apply.