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Terms and Conditions

Effective Date: April 1, 2021
प्रभावी दिनांक: 1 अप्रैल, 2021
ಪರಿಣಾಮಕಾರೀ ದಿನಾಂಕ: ಏಪ್ರಿಲ್ 1, 2021

These terms and conditions ("Terms") govern the use of or access to CashBook ("Website"), the "CashBook" mobile application ("App"), and the Services (defined below). The Website and App are collectively referred to as the "Platform".

These Terms also include our privacy policy, available at Privacy Policy, and any guidelines, additional terms, policies, or disclaimers made available or issued by us from time to time. These Terms may be updated by us, without notice to you and the Terms, as amended, shall apply to you from time to time. You can always review the most current version of these Terms on the Platform.

These Terms constitute a binding and enforceable legal contract between Annulus Technology Private Limited ("CashBook ") and a User (defined below) or any end user of the Services (collectively, "you"). You represent and warrant that you (a) have full legal capacity and authority to agree and bind yourself to these Terms, (b) are eighteen years of age or older, and (c) are an Indian resident. If you represent an entity, organisation, or any other legal person, you confirm and represent that you have the necessary power and authority to bind such entity, organisation, or legal person to these Terms.

By using the Services, you agree that you have read, understood, and are bound by these Terms, and that you comply with the requirements listed herein. If you do not agree to all of these Terms or comply with the requirements herein, please do not access the Platform or use the Services.

ये नियम और शर्तें ("शर्तें") CashBook ("वेबसाइट"), "CashBook" के उपयोग या एक्सेस को नियंत्रित करती हैं मोबाइल एप्लिकेशन ("ऐप"), और सेवाएं (नीचे परिभाषित)। वेबसाइट और ऐप को सामूहिक रूप से "प्लेटफ़ॉर्म" कहा जाता है।

इन शर्तों में गोपनीयता नीति पर उपलब्ध हमारी गोपनीयता नीति, और समय-समय पर हमारे द्वारा उपलब्ध कराए गए या जारी किए गए किसी भी दिशानिर्देश, अतिरिक्त शर्तें, नीतियां या अस्वीकरण शामिल हैं। इन शर्तों को हमारे द्वारा बिना किसी नोटिस के अपडेट किया जा सकता है और समय-समय पर संशोधित शर्तों को आप पर लागू किया जाएगा। आप प्लेटफ़ॉर्म पर कभी भी इन शर्तों के सबसे नवीनतम संस्करण की समीक्षा कर सकते हैं।

ये शर्तें एनुलस टेक्नोलॉजी प्राइवेट लिमिटेड ("CashBook") और एक उपयोगकर्ता (नीचे परिभाषित) या सेवाओं के किसी भी अंतिम उपयोगकर्ता (सामूहिक रूप से, "आप") के बीच एक बाध्यकारी और लागू करने योग्य कानूनी अनुबंध का गठन करती हैं। आप प्रतिनिधित्व करते हैं और वारंटी देते हैं कि आपके पास (ए) इन शर्तों से सहमत होने और खुद को बाध्य करने की पूर्ण कानूनी क्षमता और अधिकार है, (बी) अठारह वर्ष या उससे अधिक आयु के हैं, और (सी) एक भारतीय निवासी हैं। यदि आप किसी इकाई, संगठन, या किसी अन्य कानूनी व्यक्ति का प्रतिनिधित्व करते हैं, तो आप पुष्टि करते हैं और प्रतिनिधित्व करते हैं कि आपके पास ऐसी इकाई, संगठन, या कानूनी व्यक्ति को इन शर्तों से आबद्ध करने के लिए आवश्यक शक्ति और प्राधिकार है।

सेवाओं का उपयोग करके, आप सहमत हैं कि आपने इन शर्तों को पढ़ लिया है, समझ लिया है और आप इन शर्तों से बंधे हैं, और यह कि आप यहां सूचीबद्ध आवश्यकताओं का अनुपालन करते हैं। यदि आप इन सभी शर्तों से सहमत नहीं हैं या यहां की आवश्यकताओं का अनुपालन नहीं करते हैं, तो कृपया प्लेटफ़ॉर्म तक न पहुंचें या सेवाओं का उपयोग न करें।

ಈ ನಿಯಮಗಳು ಮತ್ತು ಷರತ್ತುಗಳು ("ನಿಯಮಗಳು") CashBook ("ವೆಬ್‌ಸೈಟ್"), "CashBook" ಬಳಕೆ ಅಥವಾ ಪ್ರವೇಶವನ್ನು ನಿಯಂತ್ರಿಸುತ್ತದೆ ಮೊಬೈಲ್ ಅಪ್ಲಿಕೇಶನ್ ("ಅಪ್ಲಿಕೇಶನ್"), ಮತ್ತು ಸೇವೆಗಳು (ಕೆಳಗೆ ವ್ಯಾಖ್ಯಾನಿಸಲಾಗಿದೆ). ವೆಬ್‌ಸೈಟ್ ಮತ್ತು ಅಪ್ಲಿಕೇಶನ್ ಅನ್ನು ಒಟ್ಟಾರೆಯಾಗಿ "ಪ್ಲಾಟ್‌ಫಾರ್ಮ್" ಎಂದು ಕರೆಯಲಾಗುತ್ತದೆ.

ಈ ನಿಯಮಗಳು ನಮ್ಮ ಗೌಪ್ಯತಾ ನೀತಿಯನ್ನು ಒಳಗೊಂಡಿವೆ, ಗೌಪ್ಯತೆ ನೀತಿ, ಮತ್ತು ಯಾವುದೇ ಮಾರ್ಗಸೂಚಿಗಳು, ಹೆಚ್ಚುವರಿ ನಿಯಮಗಳು, ನೀತಿಗಳು ಅಥವಾ ಹಕ್ಕು ನಿರಾಕರಣೆಗಳು ಕಾಲಕಾಲಕ್ಕೆ ನಮ್ಮಿಂದ ಲಭ್ಯವಾಗುವಂತೆ ಅಥವಾ ಬಿಡುಗಡೆ ಮಾಡಲ್ಪಟ್ಟಿದೆ. ಈ ನಿಯಮಗಳನ್ನು ನಾವು ನಿಮಗೆ ಸೂಚನೆ ನೀಡದೆಯೇ ನವೀಕರಿಸಬಹುದು ಮತ್ತು ನಿಯಮಗಳು, ತಿದ್ದುಪಡಿ ಮಾಡಿದಂತೆ, ಕಾಲಕಾಲಕ್ಕೆ ನಿಮಗೆ ಅನ್ವಯಿಸುತ್ತವೆ. ಪ್ಲಾಟ್‌ಫಾರ್ಮ್‌ನಲ್ಲಿ ಈ ನಿಯಮಗಳ ಅತ್ಯಂತ ಪ್ರಸ್ತುತ ಆವೃತ್ತಿಯನ್ನು ನೀವು ಯಾವಾಗಲೂ ಪರಿಶೀಲಿಸಬಹುದು.

ಈ ನಿಯಮಗಳು ಆನುಲಸ್ ಟೆಕ್ನಾಲಜಿ ಪ್ರೈವೇಟ್ ಲಿಮಿಟೆಡ್ ("CashBook ") ಮತ್ತು ಬಳಕೆದಾರ (ಕೆಳಗೆ ವ್ಯಾಖ್ಯಾನಿಸಲಾಗಿದೆ) ಅಥವಾ ಸೇವೆಗಳ ಯಾವುದೇ ಅಂತಿಮ ಬಳಕೆದಾರರ (ಒಟ್ಟಾಗಿ, "ನೀವು") ನಡುವೆ ಬಂಧಿಸುವ ಮತ್ತು ಜಾರಿಗೊಳಿಸಬಹುದಾದ ಕಾನೂನು ಒಪ್ಪಂದವನ್ನು ರೂಪಿಸುತ್ತವೆ. ನೀವು (ಎ) ಈ ನಿಯಮಗಳನ್ನು ಒಪ್ಪಿಕೊಳ್ಳಲು ಮತ್ತು ನಿಮ್ಮನ್ನು ಬಂಧಿಸಲು ಸಂಪೂರ್ಣ ಕಾನೂನು ಸಾಮರ್ಥ್ಯ ಮತ್ತು ಅಧಿಕಾರವನ್ನು ಹೊಂದಿರುವಿರಿ ಎಂದು ನೀವು ಪ್ರತಿನಿಧಿಸುತ್ತೀರಿ ಮತ್ತು ಖಾತರಿಪಡಿಸುತ್ತೀರಿ, (ಬಿ) ಹದಿನೆಂಟು ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ವಯಸ್ಸಿನವರು ಮತ್ತು (ಸಿ) ಭಾರತೀಯ ನಿವಾಸಿ. ನೀವು ಒಂದು ಘಟಕ, ಸಂಸ್ಥೆ, ಅಥವಾ ಯಾವುದೇ ಇತರ ಕಾನೂನು ವ್ಯಕ್ತಿಯನ್ನು ಪ್ರತಿನಿಧಿಸಿದರೆ, ಅಂತಹ ಘಟಕ, ಸಂಸ್ಥೆ ಅಥವಾ ಕಾನೂನು ವ್ಯಕ್ತಿಯನ್ನು ಈ ನಿಯಮಗಳಿಗೆ ಬಂಧಿಸಲು ನಿಮಗೆ ಅಗತ್ಯವಾದ ಅಧಿಕಾರ ಮತ್ತು ಅಧಿಕಾರವಿದೆ ಎಂದು ನೀವು ದೃಢೀಕರಿಸುತ್ತೀರಿ ಮತ್ತು ಪ್ರತಿನಿಧಿಸುತ್ತೀರಿ.

ಸೇವೆಗಳನ್ನು ಬಳಸುವ ಮೂಲಕ, ನೀವು ಈ ನಿಯಮಗಳನ್ನು ಓದಿದ್ದೀರಿ, ಅರ್ಥಮಾಡಿಕೊಂಡಿದ್ದೀರಿ ಮತ್ತು ಬದ್ಧರಾಗಿರುತ್ತೀರಿ ಮತ್ತು ಇಲ್ಲಿ ಪಟ್ಟಿ ಮಾಡಲಾದ ಅವಶ್ಯಕತೆಗಳನ್ನು ನೀವು ಅನುಸರಿಸುತ್ತೀರಿ ಎಂದು ನೀವು ಒಪ್ಪುತ್ತೀರಿ. ನೀವು ಈ ಎಲ್ಲಾ ನಿಯಮಗಳನ್ನು ಒಪ್ಪದಿದ್ದರೆ ಅಥವಾ ಇಲ್ಲಿರುವ ಅವಶ್ಯಕತೆಗಳನ್ನು ಅನುಸರಿಸಿದರೆ, ದಯವಿಟ್ಟು ಪ್ಲಾಟ್‌ಫಾರ್ಮ್ ಅನ್ನು ಪ್ರವೇಶಿಸಬೇಡಿ ಅಥವಾ ಸೇವೆಗಳನ್ನು ಬಳಸಬೇಡಿ.

1. SERVICES

  1. The Platform allows small businesses such as vendors, merchants, and suppliers (hereafter, "Merchants") to record their daily transactions, such as the sale and purchase of goods and services, with their customers ("Customers"). In addition, the Platform uses technology to facilitate transactions between Merchants and Customers and uses data-backed insights to meet Users’ untapped needs. Further, CashBook facilitates the provision of financial products and services to Users (all the services described here, including the provision of the Platform and its features, collectively constitute the "Services").
  2. Merchants and Customers are collectively referred to as "Users". For the avoidance of doubt, a Merchant may be considered a Customer in certain transactions (and vice versa). For example, in a situation where the Merchant purchases goods and services from a supplier that are recorded on the Platform, the Merchant would be considered a Customer and the supplier a Merchant.

2. PROFILE CREATION

  1. To avail the Services, a Merchant would be required to create a merchant profile on the Platform ("Profile"). In addition to setting up username and password to create the Profile, the Merchant will be required to furnish certain details, including but not limited to phone numbers and details of their businesses. The Merchant warrants that all information furnished in connection with its Profile is and shall remain accurate and true in all respect, and agrees that it shall promptly update its details on the Platform in the event of any change or modification.
  2. The Merchant is solely responsible for maintaining the security and confidentiality of its username and password, and agrees to immediately notify CashBook of any disclosure or unauthorised use of its Profile or any other breach of security with respect to its Profile.
  3. The Merchant expressly agrees to be liable and accountable for all activities that take place through its Profile. CashBook shall in no manner be held liable for any unauthorised access to a Merchant’s Profile.
  4. The Merchant agrees to receive communications from CashBook regarding: (i) information relating to transactions recorded on the Platform; (ii) requests for payment; (iii) information about CashBook and the Services; (iv) promotional offers and services from CashBook and its third party partners, and (v) any other matter in relation to the Services.

3. KYC

  1. CashBook may be required to undertake certain "know your customer" processes in relation to Users who intend to avail certain features of the Services. In this regard, CashBook from time to time shall require Users to upload information and documents that may be necessary to ascertain their eligibility to use certain features of the Services ("KYC Documents").
  2. The User authorises CashBook, and any third-party service provider it may engage with, to process KYC Documents and ascertain its eligibility. Any processing undertaken by CashBook shall be in accordance with its Privacy Policy. The User agrees that it may be subject to additional terms of service in the event a third party processes information under this Clause. Further, In the event any additional information, data, or documentation is required to determine eligibility (collectively, "Additional Information"), the User hereby agrees to share such Additional Information promptly upon request, and further, authorises CashBook to process such Additional Information.
  3. The User agrees and warrants to provide true, complete, and up-to-date KYC Documents and Additional Information. The User further acknowledges that (i) any false or misleading information provided in this regard shall constitute a material breach of these Terms, and (ii) its access to certain features of the Services may be limited or denied if it fails to share KYC Documents and Additional Information.

4. TRANSACTION INFORMATION

  1. Merchants may upload information relating to transactions with Customers, including the sale of goods or services, costs, amounts paid and payable, and details of goods and services, on the Platform (such information is referred to as "Transaction Information"). Transaction Information may be exchanged between Merchants and Customer through telephonic calls, text message, WhatsApp, email, or other electronic mediums that would depend on the contact details of Merchants and Customers provided on the Platform.
  2. At the time of creating or uploading the first Transaction Information with respect to a Customer, the Merchant shall inform such Customer of its use of the Platform to record such Transaction Information and Transaction Information related to future transactions and seek such Customer’s express consent in this regard and to:
    1. The creation of a profile of the Customer on the Platform, which will require sharing such Customer’s phone number and contact details with CashBook;
    2. receive communications from CashBook regarding: (A) information relating to their transactions recorded on the Platform; (B) requests for payment; (C) information about CashBook and the Services; (D) promotional offers and services from CashBook and its third party partners, and (E) any other matter in relation to the Services.
  3. Should the Customer fail to provide consent, or withdraw consent, the Merchant shall immediately cease to use the Services in relation to that Customer.

5. THIRD PARTY SERVICES

  1. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party ("Third Party Services") or contain links to Third Party Services. Users understand that Third Party Services are the responsibility of the third party that created or provided it and acknowledge that use of such Third Party Services is solely at their own risk.
  2. We use LivQuik’s services, LivQuik is our PPI issuer.
  3. CashBook makes no representations and excludes all warranties and liabilities arising out of or pertaining to such Third Party Services, including their accuracy or completeness. Further, all intellectual property rights in and to Third Party Services are the property of the respective third parties.

6. YOUR RESPONSIBILITIES

  1. The User represents and warrants that all information that is provided through or in relation to the Services is complete, true, and correct on the date of agreeing to these Terms and shall continue to be complete, true, and correct while the User avails the Services. Should any information that the User provides change during the existence of these Terms, the User undertakes to immediately bring such change to CashBook’s notice. CashBook does not accept any responsibility or liability for any loss or damage the User may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if the User fails to disclose any material fact.

  2. The User shall be solely responsible for ensuring compliance with applicable laws, and shall be solely liable for any liability that may arise due to a breach of its obligations in this regard.

  3. The User shall extend all cooperation to CashBook in its defence of any proceedings that may be initiated against it due to a breach of the User’s obligations or covenants under these Terms.

  4. While CashBook uses commercially reasonable efforts to provide Users with a daily backup of their Transaction Information, Users should regularly and independently save, backup, and archive such Transaction Information.

  5. The User shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, the User may not:

    1. infringe any proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;
    2. except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or license the Services;
    3. use the Services to transmit any data or send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;
    4. use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services or any portion thereof;
    5. engage in the systematic retrieval of content from the Platform or Services to create or compile, directly or indirectly, a collection, compilation, database or directory;
    6. use the Services in (A) any unlawful manner, (B) for fraudulent or malicious activities, or (C) in any manner inconsistent with these Terms; or
    7. violate applicable laws in any manner.

7. OUR INTELLECTUAL PROPERTY

  1. All rights, title, and interest in and to the Platform and Services, including all intellectual property rights arising out of the Platform and Services, are owned by or otherwise licensed to CashBook . Subject to compliance with these Terms, CashBook grants the User a non-exclusive, non-transferable, non-sub licensable, royalty-free, revocable, and limited licence to use the Platform and Services in accordance with these Terms and its written instructions issued from time to time.
  2. CashBook may request Users to submit suggestions and other feedback, including bug reports, relating to the Platform or Services from time to time ("Feedback"). CashBook may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of the User’s intellectual property rights.
  3. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to CashBook's or any third party’s intellectual rights.

8. TERM AND TERMINATION

  1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder.
  2. CashBook may terminate a User’s access to or use of the Services, or any portion thereof, immediately and at any point, at its sole discretion if the User violates or breaches any of its obligations, responsibilities, or covenants under these Terms.
  3. Upon termination under Clause 8(2):
    1. the Services will "time-out";
    2. the User shall not be eligible to avail any features of the Services; and
    3. these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.
  4. Notwithstanding anything to the contrary contained in the Terms, upon termination of a User’s access to or use of the Services, all amounts or outstanding monies due by you in relation to your use of or access to the Services shall become immediately payable.

9. DISCLAIMERS AND WARRANTIES

  1. The use of the Services is at your sole risk.
  2. You acknowledge and agree that CashBook is not engaged in the provision, grant, or disbursement of any financial product. CashBook is not and will not be responsible for any claim or for any damages suffered that are related, directly or indirectly, to or arise out of the use of financial products.
  3. CashBook is merely a technology platform service provider and:
    1. is not registered with the Reserve Bank of India;
    2. does not hold any licence to engage in any activities relating to financial products; and
    3. is not a financial institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India;
  4. To the extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis. CashBook does not warrant that operation of the Services will be uninterrupted or error free or that the functions contained in the Services will meet your requirements.
  5. To the fullest extent permissible under applicable law, CashBook expressly disclaims all warranties of any kind, express or implied, arising out of the Services, including warranties of merchantability, fitness for a particular purpose, satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade.
  6. You hereby accept full responsibility for any consequences that may arise from your use of the Services, and expressly agree and acknowledge that CashBook shall have absolutely no liability with respect to the same.
  7. To the fullest extent permissible by law, CashBook, its affiliates, and its related parties each disclaim all liability to you for any loss or damage arising out of or due to:
    1. your use of, inability to use, or availability or unavailability of the Services, including any Third Party Services;
    2. the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorised access to CashBook's records, programmes, services, server, or other infrastructure relating to the Services; or
    3. the failure of the Services to remain operational for any period of time.
  8. Notwithstanding anything to the contrary contained herein, neither CashBook nor any of its affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms or the Services. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless CashBook, its affiliated and subsidiary companies, its parent companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of the Services.

10. INDEMNITY

You shall indemnify, defend at CashBook's option, and hold CashBook, its parent companies, subsidiaries, affiliates, and their officers, associates successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of your access to the Services, use of the Services, violation of these Terms or any infringement by any third party who may use your account with CashBook, of these Terms.

आप क्षतिपूर्ति करेंगे, CashBook के विकल्प पर बचाव करेंगे, और CashBook, उसकी मूल कंपनियों, अनुषंगियों, संबद्धों, और उनके अधिकारियों, सहयोगियों के उत्तराधिकारियों, समनुदेशितियों, लाइसेंसकर्ताओं, कर्मचारियों, निदेशकों को रोकेंगे, एजेंटों, और प्रतिनिधियों, किसी भी दावे, मांग, मुकदमों, न्यायिक कार्यवाही, हानियों, देनदारियों, क्षतियों और लागतों (बिना किसी सीमा के, सभी नुकसानों, देनदारियों, बस्तियों, लागतों और वकीलों की फीस सहित) से हानिरहित या उत्पन्न होने के कारण सेवाओं तक आपकी पहुंच से बाहर, सेवाओं का उपयोग, इन शर्तों का उल्लंघन या किसी तीसरे पक्ष द्वारा उल्लंघन जो इन शर्तों के CashBook के साथ आपके खाते का उपयोग कर सकता है।

ನೀವು ಪರಿಹಾರವನ್ನು CashBook ನ ಆಯ್ಕೆಯಲ್ಲಿ ಸಮರ್ಥಿಸಿಕೊಳ್ಳಬೇಕು ಮತ್ತು CashBook ಅನ್ನು ಹಿಡಿದಿಟ್ಟುಕೊಳ್ಳಬೇಕು, ಅದರ ಮೂಲ ಕಂಪನಿಗಳು, ಅಂಗಸಂಸ್ಥೆಗಳು, ಅಂಗಸಂಸ್ಥೆಗಳು ಮತ್ತು ಅವರ ಅಧಿಕಾರಿಗಳು, ಸಹವರ್ತಿ ಉತ್ತರಾಧಿಕಾರಿಗಳು, ನಿಯೋಜನೆಗಳು, ಪರವಾನಗಿದಾರರು, ಉದ್ಯೋಗಿಗಳು, ನಿರ್ದೇಶಕರು, ಏಜೆಂಟ್‌ಗಳು ಮತ್ತು ಪ್ರತಿನಿಧಿಗಳು, ಯಾವುದೇ ಕ್ಲೈಮ್, ಬೇಡಿಕೆ, ಮೊಕದ್ದಮೆಗಳು, ನ್ಯಾಯಾಂಗ ಪ್ರಕ್ರಿಯೆ, ನಷ್ಟಗಳು, ಹೊಣೆಗಾರಿಕೆಗಳು, ಹಾನಿಗಳು ಮತ್ತು ವೆಚ್ಚಗಳು (ಎಲ್ಲಾ ಹಾನಿಗಳು, ಹೊಣೆಗಾರಿಕೆಗಳು, ವಸಾಹತುಗಳು, ವೆಚ್ಚಗಳು ಮತ್ತು ವಕೀಲರ ಶುಲ್ಕಗಳು ಸೇರಿದಂತೆ) ಅಥವಾ ಉಂಟಾಗುವ ಕಾರಣದಿಂದ ನಿರುಪದ್ರವ ಸೇವೆಗಳಿಗೆ ನಿಮ್ಮ ಪ್ರವೇಶ, ಸೇವೆಗಳ ಬಳಕೆ, ಈ ನಿಯಮಗಳ ಉಲ್ಲಂಘನೆ ಅಥವಾ ಈ ನಿಯಮಗಳ CashBook ನೊಂದಿಗೆ ನಿಮ್ಮ ಖಾತೆಯನ್ನು ಬಳಸುವ ಯಾವುದೇ ಮೂರನೇ ವ್ಯಕ್ತಿಯಿಂದ ಯಾವುದೇ ಉಲ್ಲಂಘನೆ.

11. CONSENT TO USE DATA

  1. You agree that CashBook may in accordance with its Privacy Policy collect and use your information and technical data and related information.
  2. CashBook may use information and data pertaining to your use of the Services for analytics, trends’ identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Platform.
  3. Subject to applicable laws, CashBook may be directed by law enforcement agencies or the government and related bodies to disclose data in relation to Users in connection with criminal proceedings. You understand and agree that in such instances, CashBook shall have the right to share such data with relevant agencies or bodies.

12. MODIFICATION

CashBook reserves the right at any time to add, modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without cause. CashBook shall not be liable for any such addition, modification, suspension or discontinuation of the Services.

CashBook सेवाओं (या उसके किसी भी भाग) को किसी भी समय बिना किसी कारण के जोड़ने, संशोधित करने या बंद करने, अस्थायी या स्थायी रूप से अधिकार सुरक्षित रखता है। CashBook इस तरह के किसी भी जोड़, संशोधन, निलंबन या सेवाओं को बंद करने के लिए उत्तरदायी नहीं होगा।

CashBook ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ತಾತ್ಕಾಲಿಕವಾಗಿ ಅಥವಾ ಶಾಶ್ವತವಾಗಿ ಸೇವೆಗಳನ್ನು (ಅಥವಾ ಅದರ ಯಾವುದೇ ಭಾಗ) ಕಾರಣದೊಂದಿಗೆ ಅಥವಾ ಕಾರಣವಿಲ್ಲದೆ ಸೇರಿಸಲು, ಮಾರ್ಪಡಿಸಲು ಅಥವಾ ನಿಲ್ಲಿಸಲು ಹಕ್ಕನ್ನು ಕಾಯ್ದಿರಿಸುತ್ತದೆ. ಅಂತಹ ಯಾವುದೇ ಸೇರ್ಪಡೆ, ಮಾರ್ಪಾಡು, ಅಮಾನತು ಅಥವಾ ಸೇವೆಗಳ ಸ್ಥಗಿತಗೊಳಿಸುವಿಕೆಗೆ CashBook ಜವಾಬ್ದಾರನಾಗಿರುವುದಿಲ್ಲ.

13. JURISDICTION, GOVERNING LAWS, AND DISPUTE RESOLUTION

  1. These Terms shall be governed by and construed and enforced in accordance with the laws of India. Subject to other provisions in this Clause, courts in Ranchi shall have exclusive jurisdiction over all issues arising out of these Terms or the use of the Services.
  2. Any controversies, conflicts, disputes, or differences arising out of these Terms shall be resolved by arbitration in Ranchi in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which is deemed to be incorporated by reference in this Clause. The tribunal shall consist of 1 (one) arbitrator appointed by CashBook. The language of the arbitration shall be English.
  3. The parties to the arbitration shall keep the arbitration confidential and not disclose to any person, other than on a need to basis or to legal advisors, unless required to do so by law. The decision of the arbitrator shall be final and binding on all the Parties hereto. Each party to the arbitration shall bear its own costs with respect to any dispute.

14. MISCELLANEOUS PROVISIONS

  1. Modification – CashBook reserves the right at any time to modify these Terms and to add new or additional terms or conditions on use of the Services. Such modifications and additional terms and conditions will be communicated to you and, unless expressly rejected (in which these Terms shall terminate), will be effective immediately and will be incorporated into these Terms. In the event you refuse to accept such changes, these Terms will terminate.
  2. Severability - If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).
  3. Assignment - You shall not licence, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without CashBook's prior written consent. CashBook may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. CashBook may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the Services without any prior notice to you.
  4. Notices - All notices, requests, demands, and determinations for CashBook under these Terms (other than routine operational communications) shall be sent to team@cashbook.in .
  5. Third Party Rights - No third party shall have any rights to enforce any terms contained herein
  6. Translations – CashBook may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.

15. REFUND POLICY

  1. Refunds in case of failed/ returned/ rejected/ cancelled transactions will be applied to your Wallet, to the extent that the payment was made initially by a debit to the Wallet, even if such refund results in exceeding the limit prescribed for that category of Wallet.
  2. If you wish to receive a refund on an amount that has been debited from your Wallet on some any other ground, please email us at team@cashbook.in and explain the circumstances and your reason for the request.
  3. If your request is valid, we will make reasonable efforts to honour the request and refund the amount in question to your Wallet subject to Applicable Laws.
  4. Refund requests may not be entertained for transactions those are reversed/reverted if they’re processed due to some technical issue in our system or some suspicious activity found in a transaction.
  5. We will try to respond to your refund requests at the earliest. However, we will not be responsible for any delays which are outside our control or are due to third parties such as merchants who we rely on to process your refund requests. Please note that we do not undertake any liability for the processing of the refund requests.

16. Opening a Virtual Account on CashBook and issuing a Wallet

  1. The account is opened solely on customers request, in order to open an account the customer agrees to complete the Min KYC.
  2. The nature of the account is PPI and facilitated by LivQuik.
  3. LivQuik is the PPI issuer for CashBook App.
  4. We assign a virtual account number and IFSC code associated with the account.
  5. Customers on their own will add funds to the CashBook Virtual account referred to as ‘Master Wallet’ in the app. They can further transfer the added funds to wallets of users they have added and the fund can be used for business expenses.
  6. With Min KYC the max load/spend limit is 10k per month, and with Full KYC the load/spend limit is increased to 2 lacs/month.

17. MIN KYC

  1. Minimum details shall necessarily include a mobile number verified with OTP and a self-declaration of name and unique identity /identification number of any ‘mandatory document’ or OVD or any such document with any name listed for this purpose in the Master Direction on KYC, as amended from time to time.
  2. Such PPIs shall be reloadable in nature. Loading / Reloading shall be from a bank account / credit card / full-KYC PPI.
  3. The amount loaded in such PPIs during any month shall not exceed Rs.10,000 and the total amount loaded during the financial year shall not exceed Rs.1,20,000.
  4. The amount outstanding at any point of time in such PPIs shall not exceed Rs.10,000.
  5. These PPIs shall be used only for purchase of goods and services. Cash withdrawal or funds transfer from such PPIs shall not be permitted.
  6. PPI issuer shall give an option to close the PPI at any time. The closure proceeds can be transferred ‘back to source account’ (payment source from where the PPI was loaded). Alternatively, the closure proceeds can be transferred to a bank account after complying with KYC requirements of PPI holder.
  7. The features of such PPIs shall be clearly communicated to the PPI holder by SMS / e-mail / any other means at the time of issuance of the PPI / before the first loading of funds.

18. Full-KYC PPIs

  1. The Video-based Customer Identification Process (V-CIP), as detailed in Department of Regulation’s Master Direction on KYC dated February 25, 2016 (as amended from time to time), can be used to open full-KYC PPIs as well as to convert Small PPIs of paragraph 9.1 into full-KYC PPIs.
  2. Such PPIs shall be reloadable in nature.
  3. The amount outstanding shall not exceed Rs.2,00,000/- at any point of time.
  4. The funds can be transferred ‘back to source account’ (payment source from where the PPI was loaded) or ‘own bank account of the PPI holder’ (duly verified by the PPI issuer). However, PPI issuer shall set the limits considering the risk profile of the PPI holders, other operational risks, etc.
  5. PPI issuer shall provide the facility of ‘pre-registered beneficiaries’ whereby the PPI holder can register the beneficiaries by providing their bank account details, details of PPIs issued by same issuer (or different issuer as and when permitted), etc.
  6. In case of such pre-registered beneficiaries, the funds transfer limit shall not exceed Rs.2,00,000/- per month per beneficiary. PPI Issuer shall set the limits within this ceiling considering the risk profile of the PPI holders, other operational risks, etc.
  7. Funds transfer limits for all other cases shall be restricted to Rs.10,000/- per month.
  8. Funds transfer from such PPIs shall also be permitted to other PPIs, debit cards and credit cards as per the limits given above.
  9. There is no separate limit on purchase of goods and services using PPIs and PPI issuer may decide limit for these purposes within the overall PPI limit.
  10. PPI issuer shall clearly indicate these limits to the PPI holders and provide necessary options to PPI holders to set their own fund transfer limits.
  11. PPI issuer shall also give an option to close the PPI and transfer the balance as per the applicable limits of this type of PPI. For this purpose, the issuer shall provide an option, including at the time of issuing the PPI, to the holder to provide details of pre- designated bank account or other PPIs of the same issuer (or other issuer as and when permitted) to which the balance amount available in the PPI shall be transferred in the event of closure of PPI, expiry of validity period of such PPIs, etc.
  12. Cash withdrawal shall be permitted up to a maximum limit of Rs.2,000/- per transaction within an overall monthly limit of Rs.10,000/-per PPI across all channels (agents, ATMs, PoS devices, etc.)

19. Charges for using LivQuik's CashBook Card

  1. ATM withdrawal charges : Rs 30/ withdrawal
  2. Fuel surcharges : 1%*
  3. Government : 2.5%* or Rs. 10* whichever is higher
  4. Railways : Rs 10*

*excluding taxes

* करों को छोड़कर

* ತೆರಿಗೆಗಳನ್ನು ಹೊರತುಪಡಿಸಿ

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