Terms and Conditions

This mobile software application (“App”) is developed and owned by Carecone Technologies Private Limited (“Company”, “we”, “our”, or “us”), with its registered office at:

Unit No. 265, 2nd Floor, Aggarwal City Plaza, Plot No. 17, Mangalam Place, Sector 3, Rohini, New Delhi – 110085.

By downloading, installing, accessing, or using the App, you (“User” or “you”) expressly agree to be bound by these Terms and Conditions (“Terms”), our Privacy Policy, and any additional terms communicated via the App or Company website. If you do not agree with any of these Terms, please do not use the App.

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1. Definitions

• a) Company: Carecone Technologies Private Limited.
• b) App: The “Reptileudharibook,” a mobile application for managing digital customer borrowing records.
• c) User: Any person or entity using the App.
• d) Customer: Any third party whose data is entered by a User.
• e) Data: All financial, personal, or transactional information entered into the App.
• f) Force Majeure: Uncontrollable events including but not limited to natural disasters, cyberattacks, legal changes, or infrastructure failures.

2. License & Restrictions

The Company grants Users a non-exclusive, non-transferable, revocable license to use the App for legitimate business or personal use.

You may not:

• Copy, resell, sublicense, decompile, or reverse engineer the App.
• Use the App for unlawful purposes or to defame, abuse, harass, or threaten others.
• Share login credentials, impersonate others, or misrepresent data.

Violation of these restrictions may result in immediate termination and legal action, including civil or criminal remedies.

3. User Account and Security

You are solely responsible for:

• Keeping your login credentials confidential.
• Ensuring that all data entered is accurate, lawful, and not misleading.

Any unauthorized use must be reported immediately to: care@reptileudharibook.com

4. APP FUNCTIONALITY

The App allows Users to:

• Digitally record borrowings and payments.
• Track outstanding balances.
• Send reminders (manual or automated).

All data input remains User-controlled, and the Company does not guarantee legal enforceability of any records stored or generated.

5. SUBSCRIPTIONS AND PAYMENTS

• 1)Access to premium features may require a valid subscription.
• 2) Users are responsible for timely renewal to avoid disruption.
• 3) Sharing accounts is strictly prohibited and may result in suspension.
• 4)The Company reserves the right to suspend or terminate access for non-payment or breach.
• 5) No refunds shall be provided for unused portions unless under the Refund Policy.
• 6) Subscription plans and pricing may change, subject to prior notice.

6. THIRD-PARTY SERVICES

The App may use third-party services including:

• Cloud hosting (e.g., Firebase, AWS)
• Analytics and bug reporting
• SMS/email gateways
• SMS/email gateways
• Payment gateways

While we choose reliable partners, the Company is not liable for any data handling practices, breaches, or service outages originating from third-party providers.

7. DATA SECURITY AND OWNERSHIP

• Users retain ownership of their entered data.
• The Company:
  • Uses industry-standard safeguards.
  • Does not access, sell, or share personal data without consent (except as required by law).
  • Encourages Users to regularly back up their data externally.
• Despite best efforts, no system is 100% secure, and the Company shall not be liable for breach or loss beyond reasonable control.

8. TECHNICAL ISSUES & MAINTENANCE

• The Company may suspend the App for updates or maintenance.
• Users are encouraged to report technical issues for prompt support.
• We do not guarantee uninterrupted access, and the Company will not be liable for temporary downtime or associated loss.

9. LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company shall not be liable for:

• Indirect or consequential losses.
• Errors in user-entered data.
• Business losses, revenue loss, or goodwill.
• Data loss caused by uninstallation, device theft, or Force Majeure.

Your use of the App is at your sole risk.

10. ACCOUNT SECURITY

• Users are responsible for:
  • Safeguarding OTPs, PINs, and device access.
  • Using secure networks and devices when operating the App.

The Company is not responsible for unauthorized access resulting from user negligence.

11. DISCLAIMER

• The App is a record-keeping tool only. It does not:
  • Guarantee recovery of dues,
  • Provide legal enforcement mechanisms,
  • Replace professional accounting or legal systems.

Users must ensure compliance with local laws when using the App.

12. CANCELLATION & REFUND POLICY

• Users may cancel subscriptions through the App.
• Refunds are only processed:
  • For critical technical issues caused solely by the Company.
  • When requested within 7 days of occurrence, with evidence.
• See detailed Refund Policy on the website or App.

13. TERMINATION

• We may terminate or suspend accounts:
  • For any breach of these Terms.
  • Upon request from law enforcement or regulatory bodies.
• On termination, all rights granted to you shall cease, and data may be deleted after 30 days.

14. GOVERNING LAW & JURISDICTION

These Terms shall be governed by the laws of India. All disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

15. UPDATES TO TERMS

• These Terms may be updated periodically to comply with legal or operational requirements.
• Users will be notified of major changes.
• Continued use after such updates will be considered as consent.

16. USER CONSENT

By clicking “I Agree”, installing, or using the App, you confirm that:

• You are at least 18 years of age.
• You have read, understood, and accepted the Terms and Conditions and Privacy Policy.
• You agree to comply with applicable laws and accept the legal obligations stated herein.