Terms of Service — KOSHAQ Billing

These Terms of Service ("Terms") govern your access to and use of KOSHAQ Billing ("Service", "Platform"). By creating an account or using the Service, you agree to be bound by these Terms. These Terms constitute a legally binding agreement under the Information Technology Act, 2000 and the Indian Contract Act, 1872.

1. Eligibility

You must be at least 18 years old and have legal capacity to enter into contracts under Indian law
You must be a registered business entity, proprietorship, partnership, LLP, or company registered in India, or an authorized representative thereof
By using the Service, you represent that the information you provide (including GSTIN) is accurate and lawfully obtained

2. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials
You must immediately notify us of any unauthorized access or breach at support@koshaq.in
All activities under your account are your responsibility
You must not share account access with unauthorized personnel

3. Permitted Use

KOSHAQ Billing is licensed, not sold, for the following purposes only:

Creating and managing GST-compliant invoices, quotes, and financial documents
Managing customer records, payment tracking, and subscription billing
Internal business financial management for your registered Indian business

4. Prohibited Activities

You must not:

Use the Service to generate fraudulent or fictitious invoices
Enter false GSTIN numbers or misrepresent your business registration
Attempt to circumvent multi-tenant data isolation (accessing other users' data)
Reverse-engineer, scrape, or create competing products using our data
Use the Service in violation of any applicable Indian law, including GST laws, FEMA, or PMLA
Upload malicious code, scripts, or files

Violations may result in immediate account suspension and may be reported to relevant authorities under the IT Act 2000.

5. Subscription & Payments

Subscription fees are charged in INR and are exclusive of GST (18% GST applicable as per Indian tax law)
Payments are processed via Razorpay (UPI, cards, net-banking)
Annual subscriptions are non-refundable except as required by law; monthly subscriptions may be cancelled anytime effective end of billing period
Enterprise contracts are governed by individual Service Agreements
Prices may be revised with 30 days' advance notice

6. Data Ownership

You retain ownership of all business data you enter into KOSHAQ (invoices, customer records, etc.)
You grant KOSHAQ a limited license to store and process this data solely to provide the Service
You may export your data at any time from the platform
Upon account termination, we will provide 30 days to export data before deletion (financial records retained as required by law — see Privacy Policy)

7. GST Compliance Disclaimer

KOSHAQ Billing provides tools to help you create GST-compliant invoices. However:

We are not a chartered accountant, tax consultant, or legal advisor
You are solely responsible for the accuracy of HSN/SAC codes, tax rates, and GST filing compliance
KOSHAQ is not liable for penalties arising from incorrect GST classification or late filing
Consult a qualified CA or tax professional for complex tax matters

8. Service Availability

We target 99.5% monthly uptime (except for scheduled maintenance)
Planned maintenance will be communicated at least 24 hours in advance
We are not liable for losses caused by force majeure events, ISP outages, or third-party service failures

9. Limitation of Liability

To the maximum extent permitted by applicable Indian law, KOSHAQ's total liability for any claim arising out of these Terms shall not exceed the subscription fees paid by you in the preceding 3 months. We are not liable for indirect, consequential, or punitive damages.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of India
Disputes shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka
We encourage resolving disputes through mutual discussion before litigation

11. Amendments

We reserve the right to update these Terms. Material changes will be communicated via email and a dashboard notice at least 14 days before taking effect. Continued use after the effective date constitutes acceptance.

12. Contact

For any queries regarding these Terms: legal@koshaq.in