Terms & Conditions

These Terms & Conditions ("Terms") form a legally binding agreement between you ("the user", "you") and Marothia Techs, a sole proprietorship registered in Surat, Gujarat, India ("Marothia Techs", "we", "our", "us"), the maker of the Wisdom Accounts mobile and web applications.

1. Agreement to terms

By downloading, installing, signing into, or using Wisdom Accounts (the "Service"), you confirm that:

• You have read, understood and agree to be bound by these Terms.
• You agree to our Privacy Policy, which is incorporated into these Terms by reference.
• You meet the eligibility requirements in Section 3.

If you do not agree, please do not use the Service.

2. The service

Wisdom Accounts is a business accounting and inventory app for retailers, wholesalers, traders and service businesses. It helps you record sales, purchases, party accounts, items, payments and reports. It is available as:

• An Android app on Google Play (package com.marothiatechs.wisdom_accounts).
• An iOS / iPadOS app on the Apple App Store (listed as "Wisdom OMS", which bundles both OMS and Accounts features).
• A web app at https://accounts.marothiatechs.com/accounts/.

We may add, remove or change features over time as the product evolves. Where a change materially affects how the Service works, we will give you reasonable notice in the app or by email.

3. Eligibility & accounts

3.1 Eligibility

You must be at least 18 years old and capable of forming a binding contract under Indian law to use the Service. By using the Service you represent that you meet these requirements.

3.2 Account creation

To use most features, you'll create an account. You agree to:

• Provide accurate, current and complete information when registering.
• Keep that information up to date.
• Keep your password and OTP confidential — never share them.
• Tell us immediately at support@marothiatechs.com if you suspect any unauthorised use of your account.

You are responsible for all activity under your account. We are not liable for losses arising from your failure to keep your credentials safe.

4. Your content

4.1 Ownership

You own the data and content you enter into the Service — your invoices, ledgers, customer information, item lists, reports, attachments, and so on ("Your Content"). We do not claim ownership over Your Content.

4.2 Licence to operate the Service

You grant Marothia Techs a worldwide, non-exclusive, royalty-free licence to store, process, transmit and display Your Content solely as needed to operate, maintain, improve and secure the Service for you. This licence ends when you delete the content or your account (subject to backup retention described in our Privacy Policy).

4.3 Backup & export

While we maintain backups of your data, you remain responsible for keeping your own copies of important records. The Service lets you export reports as PDF and Excel — please use these exports regularly, especially for tax-relevant data.

4.4 Accuracy

You are responsible for the accuracy and legality of the data you enter, and for ensuring it complies with the tax, accounting and other regulations that apply to your business.

5. Acceptable use

When using the Service, you agree not to:

• Use it for any illegal or fraudulent purpose, or to record fictitious transactions.
• Reverse-engineer, decompile, disassemble or attempt to extract the source code of the app, except where explicitly permitted by law.
• Resell, sublicense, rent or lease the Service to anyone else.
• Bypass, disable or interfere with security or rate-limiting features.
• Upload malware, viruses, or anything designed to harm our systems or other users.
• Scrape, crawl or extract data from the Service in bulk by automated means.
• Impersonate another person or business, or misrepresent your identity.
• Use the Service in a way that violates any law or third-party rights (including intellectual property and privacy).

Violations may lead to suspension or termination of your account.

6. Fees & payments

Wisdom Accounts is currently free to download and use. We reserve the right to introduce paid plans, premium features or in-app purchases in the future. If we do:

• Pricing and what's included in each plan will be clearly displayed before you pay.
• Existing free users will receive reasonable advance notice of any change to free-tier limits.
• Payments will be processed by a third-party payment processor (e.g. Razorpay). We do not store your full card or banking details.
• Refunds will be governed by the refund policy published at the time of purchase.
• You are responsible for any taxes (GST, etc.) applicable to your purchase.

7. Availability & changes

We aim to keep the Service available 24×7, but we do not guarantee uninterrupted availability. The Service may be temporarily unavailable due to:

• Scheduled maintenance (we'll try to give advance notice).
• Emergency fixes for security or stability.
• Causes outside our reasonable control — internet outages, power failures, force majeure.

We may also add, modify, suspend or discontinue features at any time. If we discontinue a major feature you depend on, we will give you reasonable notice and a way to export your data.

8. Intellectual property

The Service — including the Wisdom Accounts software, the "Wisdom Accounts" name and logo, all source code, designs, text, images, icons, and the user interface — is owned by Marothia Techs and is protected by Indian and international copyright, trademark and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your business purposes, subject to these Terms. We reserve all rights not expressly granted.

You may not use our name, logo or branding without our prior written consent, except to truthfully refer to the Service.

9. Third-party services

The Service integrates with or relies on third-party services (Google Play, Apple App Store, cloud hosting, Firebase Cloud Messaging, Razorpay if used). Your use of those services is also governed by their own terms and privacy policies. Marothia Techs is not responsible for the acts or omissions of third parties.

If we ever offer integrations that allow you to connect external systems (e.g. your bank, marketplace, or messaging app) through the Service, your use of those integrations is at your own risk and subject to the third party's terms.

10. Disclaimers

To the fullest extent permitted by law, the Service and all related materials are provided "as is" and "as available", without warranties of any kind, whether express or implied — including, but not limited to, warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Without limiting the above, Marothia Techs does not warrant that:

• The Service will be uninterrupted, error-free or completely secure.
• Any defects will be fixed within a particular timeframe.
• Reports, calculations, GST returns or other outputs are free from error.
• The Service will meet your specific business or compliance requirements.

11. Limitation of liability

To the maximum extent permitted by Indian law, Marothia Techs and its team will not be liable for:

• Any indirect, incidental, special, consequential, exemplary or punitive damages.
• Loss of profits, revenue, business opportunity, goodwill or data.
• Damages arising from your use of, or inability to use, the Service.
• Damages arising from any errors, omissions or inaccuracies in your data, reports or returns.
• Unauthorised access to your account caused by your failure to keep your credentials safe.

Our total aggregate liability to you for all claims arising out of or related to the Service in any 12-month period will not exceed the greater of (a) the amount you paid us for the Service in that period, or (b) ₹1,000 (one thousand Indian Rupees).

Some jurisdictions do not allow some of these limitations. In those jurisdictions, the limitations apply to the maximum extent permitted by law.

12. Indemnification

You agree to defend, indemnify and hold harmless Marothia Techs, its team and partners from any third-party claims, damages, losses, liabilities, costs and expenses (including reasonable legal fees) arising out of:

• Your use or misuse of the Service.
• Your breach of these Terms.
• Your violation of any law or third-party right (including intellectual property).
• Inaccurate, misleading or unlawful content you upload through the Service.

13. Termination

13.1 By you

You can stop using the Service at any time. To delete your account and the data associated with it, email support@marothiatechs.com from the address linked to your account, or use the in-app account-deletion option when available.

13.2 By us

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe that:

• You have breached these Terms or our acceptable-use rules.
• You have engaged in fraud, harassment or any illegal activity.
• Continuing to provide the Service to you would expose us, other users, or third parties to legal or security risk.

13.3 Effect of termination

Upon termination, your licence to use the Service ends. We will retain or delete your data as described in our Privacy Policy. Sections of these Terms that by their nature should survive termination will survive (including ownership, disclaimers, liability limits, indemnification and governing law).

14. Governing law & dispute resolution

These Terms are governed by the laws of India, without regard to conflict-of-law principles. The courts of Surat, Gujarat shall have exclusive jurisdiction over any dispute arising out of or in connection with the Service or these Terms — subject to any mandatory consumer-protection rights you may have under Indian law.

Before filing any legal claim, we ask that you contact us at support@marothiatechs.com so we can try to resolve the issue informally.

15. Changes to these terms

We may update these Terms from time to time. When we do:

• We update the "Last updated" date at the top.
• For material changes, we give at least 14 days' notice via the app and/or email.
• If you continue to use the Service after the new Terms take effect, you accept them. If you don't agree, please stop using the Service and delete your account.

16. Contact

Questions about these Terms? We're happy to help.

Effective date: May 4, 2026.