Terms and Conditions for Due Book

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the DueBook mobile application and associated web services ("Services"), developed and operated by TSR Mobile Solution ("we", "us", "our"). By downloading, installing, accessing, or using DueBook, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not install, access, or use the application.

2. Description of Service & Non-Lending Declaration

DueBook is a digital ledger, transaction recording, and bookkeeping tool designed to assist shop owners, traders, and small businesses in organizing customer and supplier ledger entries, calculating cash totals, and scheduling payment reminders.

• DueBook is strictly a personal and business bookkeeping and record-keeping software application.
• DueBook is NOT a bank, Non-Banking Financial Company (NBFC), money lender, credit bureau, or lending institution under the Reserve Bank of India (RBI) or any other statutory body.
• DueBook does NOT offer, facilitate, broker, disburse, underwrite, or collect personal loans, business credit, payday loans, cash advances, micro-finance credit lines, peer-to-peer (P2P) lending, or debt recovery/collection services.
• DueBook does NOT make automated financial credit decisions, evaluate credit scores, or calculate interest charges or repayment fees.
• The app functions exclusively as a self-managed digital register for transactions entered manually by the user.

3. User Accounts & Single-Device Security Gate

• Authentication: Cloud synchronization and backup features require authentication via Google Sign-In. You are responsible for maintaining the security of your Google account credentials.
• Single-Device Security Gate: To safeguard sensitive ledger records in retail shop environments, DueBook operates on a strict single-device-per-account model linked to your hardware ANDROID_ID. Logging into a new device requires an authorized transfer transaction that halts data access on and deauthorizes the previous device. Attempting to bypass device verification is strictly prohibited.
• Age Requirement: DueBook is intended for users aged 18 and above. Users under 18 must obtain verifiable parental or guardian consent before using the application.

4. User Data Ownership, Accuracy & Contacts

• Ownership: You retain full and exclusive ownership of all customer records, supplier entries, transaction figures, and receipt photos entered into DueBook.
• Accuracy & Lawful Record-Keeping: You are solely responsible for the authenticity, correctness, and legal compliance of all data entered into the application. DueBook is a passive record-keeping utility.
• Customer Consent & Contact Permissions: When manually adding party entries or using the on-demand "Pick from Contacts" tool, you represent that you have an existing commercial or lawful relationship with such individuals and have obtained any required consents to store their contact details in your private ledger.

5. No Financial, Tax, Accounting, or Legal Advice

DueBook is a self-service bookkeeping management tool. The application, its reports, calculators, and summary statements do NOT constitute professional financial, accounting, tax, or legal advice. DueBook is not a certified statutory auditing software. You should consult a qualified Chartered Accountant (CA) or tax professional for formal compliance and tax filings.

6. UPI Payments & External Messaging Disclaimers

• Client-Side UPI QR Generation: DueBook allows you to configure your Merchant UPI ID (VPA) to generate standard static or dynamic UPI QR codes and payment deep links purely on-device.
• Not a Payment Processor: DueBook is NOT a payment gateway, payment aggregator, or financial intermediary. DueBook does not handle, process, route, hold, or escrow funds.
• Direct Settlement: All monetary payments occur directly between the customer's UPI app and your bank account via the NPCI UPI network. TSR Mobile Solution is not liable for payment disputes, failed transfers, or incorrect UPI VPAs.
• External System Intents: WhatsApp reminders, phone calls, and SMS alerts are triggered through standard Android system intents launching your installed third-party apps. You are solely responsible for compliance with messaging platform policies, carrier charges, and anti-spam regulations.

7. Data Backup & Zero-Knowledge Cryptography Disclaimer

Because DueBook stores core ledger records locally on your device, local records may be lost if your device is damaged, lost, reset, or if the app is uninstalled without an active backup.

• Client-Side Encryption: While DueBook provides an optional Google Drive cloud backup tool, all backup archives are encrypted directly on your device with AES-256-GCM using keys derived on-device from your account authentication.
• Zero-Knowledge Key Disclaimer: TSR Mobile Solution does not possess, store, or have access to your backup encryption keys. If you lose access to your Google account or encryption salt, TSR Mobile Solution cannot decrypt, recover, or restore your backup archives.
• Limitation: TSR Mobile Solution shall not be held liable for loss of data resulting from hardware failures, operating system crashes, or third-party cloud outages.

8. Prohibited Use & Conduct

You agree not to:

• Use the app for fraudulent, unlawful, extortionate, or aggressive debt collection purposes.
• Send harassing, unsolicited, or unlawful reminder messages to customers or debtors.
• Attempt to reverse engineer, decompile, or tamper with the application code, cryptographic routines, or security mechanisms.
• Bypass or manipulate the single-device security gate, device authentication tokens, or Cloud Firestore rules.

9. Limitation of Liability

To the maximum extent permitted by applicable Indian law, DueBook is provided "AS IS" and "AS AVAILABLE". In no event shall TSR Mobile Solution or its developers be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption arising out of your use of the Services.

10. Governing Law & Grievance Redressal

These Terms shall be governed by and construed in accordance with the laws of India, subject to the exclusive jurisdiction of competent courts in India.