Terms of Service

Last updated: 17 May 2026 Effective: 17 May 2026

Draft notice. This document is a v1 draft generated from the facts in docs/compliance.md. A lawyer review (Indian counsel with EU experience) will harden specific clauses before paid launch. Markers like [TBD: …] flag the facts that must be resolved before this draft is published at https://naame.in/terms.

Welcome to Naame ("Naame", the "Service", "we", "us", "our"), a personal khata (ledger) and personal-finance tracking web application at naame.in. These Terms of Service ("Terms") govern your access to and use of the Service.

By creating an account, signing in, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Who we are

Naame is operated by Bhaumik Dhameliya, a sole proprietor based at 360, Raj Imperia, Vraj Chowk, Sarthana Jakatnaka, Surat, Gujarat, India.

• General/support: support@naame.in
• Privacy: privacy@naame.in

2. The Service

Naame helps you keep track of:

• Debts between you and the people you transact with — recorded as a Ledger Entry against a Contact, with a direction of either "You Gave" or "You Got".
• Your own personal income and expenses — recorded as a Personal Entry in a Category.

Naame is a record-keeping tool. It does not move money, hold money, lend money, facilitate payments, or process transactions of any kind. It is not a regulated financial service. See section 9.

You may use Naame as a:

• Visitor — without an account; your data lives only in your browser (IndexedDB) and does not sync across devices.
• Account Holder — with an account; your data is stored on our servers and syncs across your devices.

3. Eligibility

You must be at least 18 years old to use the Service. By creating an account, you confirm that you meet this age requirement and have the legal capacity to enter into a binding contract. We do not knowingly offer the Service to anyone under 18.

The Service is not offered to residents of the European Union or the United Kingdom. At signup we ask for your country of residence; selecting an EU or UK country will prevent account creation. If you are a resident of the EU or UK and somehow create an account (for example, by selecting a non-EU country), please contact privacy@naame.in so we can close it and delete your data.

4. Your account

If you create an account:

• You are responsible for keeping your sign-in credentials secure (your email inbox; your Google account, if used).
• You are responsible for all activity that happens under your account.
• You agree to provide accurate information at signup and to keep it accurate.
• You may use one account per person unless we agree otherwise in writing.

If you suspect unauthorised access to your account, email support@naame.in.

5. Your data and your content

5.1 You own your content

You retain full ownership of all the data you enter into Naame — your Contacts, Ledger Entries, Personal Entries, Categories, and notes (collectively, "Your Content").

By using the Service, you grant us a limited, non-exclusive, worldwide, royalty-free licence to store, process, transmit, back up, and display Your Content solely for the purpose of operating the Service for you. This licence ends when you delete Your Content or close your account (subject to the 30-day soft-delete window described in our Privacy Policy).

We will not use Your Content to train any AI model, sell it, share it for advertising, or otherwise repurpose it.

5.2 You are responsible for what you enter

You are responsible for ensuring that Your Content — including any information you record about a Contact — is accurate and lawful. You are responsible for complying with any laws that apply to your record-keeping (for example, accounting or tax rules in your country).

5.3 Privacy

How we collect and handle personal data is explained in our Privacy Policy, which is incorporated into these Terms by reference.

6. Acceptable use

You agree not to:

• Use the Service to engage in or facilitate harassment, intimidation, threats, or abusive debt collection against a Contact or any other person. Naame is for personal record-keeping, not a debt-collection or chasing tool. We may suspend or terminate accounts that misuse the manual share-to-Contact feature for harassment.
• Use the Service for any unlawful purpose, including money laundering, fraud, tax evasion, or recording the proceeds of crime.
• Attempt to gain unauthorised access to the Service, other accounts, or our infrastructure (no scraping, probing, exploiting vulnerabilities, or reverse-engineering security mechanisms).
• Use the Service to send spam, malware, or any harmful code.
• Interfere with the operation of the Service or place an unreasonable load on it (no automated bulk requests; no denial-of-service behaviour).
• Resell, sublicense, white-label, or rent the Service.
• Misrepresent your identity or impersonate another person.

We may suspend or terminate accounts that breach these rules. For serious or harmful breaches we may act immediately and without prior notice; for lesser issues we will normally contact you first.

7. Service availability

We work to keep the Service available, but we do not promise it will be uninterrupted, error-free, or available at any specific time. We may schedule maintenance, deploy updates, or experience outages.

We may modify, suspend, or discontinue parts of the Service at any time. If we discontinue the Service as a whole, we will give Account Holders reasonable advance notice (normally at least 30 days) and a way to export Your Content first.

8. Fees

The Service may be offered for free or under a paid plan. Pricing, the features included in each plan, and billing terms will be described on the Service's pricing page at the time you subscribe. If we change paid-plan pricing, we will notify you in advance and the change will apply at your next renewal.

There are currently no paid plans. This section is a placeholder for the launch of paid plans, at which point detailed billing terms (renewal, refunds, cancellation) will be added.

9. Not financial advice; not a regulated service

Naame is a record-keeping tool. It is not financial, accounting, tax, investment, or legal advice.

• Nothing in the Service is intended as professional advice on your personal finances.
• Naame does not move money, hold money, lend money, facilitate payments, issue credit, or perform any activity regulated by the Reserve Bank of India, the Financial Conduct Authority, the SEC, or any other financial regulator.
• Balances shown in Naame are based solely on what you enter. We do not verify any underlying transaction, debt, payment, or settlement.
• You should not rely on the Service as the sole record of any legally significant amount. Keep your own backups, and consult a qualified professional (accountant, lawyer, tax advisor) for advice on your specific situation.

10. Disclaimers and warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and continuous availability.

We do not warrant that the Service will meet your requirements, that it will be uninterrupted or error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

Nothing in this section limits or excludes any liability that cannot be limited or excluded under applicable law (including statutory consumer rights, where they apply).

11. Limitation of liability

To the maximum extent permitted by law:

• We will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to the Service, even if we have been advised of the possibility of such damages.
• Our total aggregate liability arising out of or relating to the Service or these Terms is limited to the greater of (a) the total amount you paid us for the Service in the 12 months immediately preceding the event giving rise to the claim, or (b) ₹1,000 (one thousand Indian rupees).

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, the limits in this section apply only to the maximum extent permitted by law.

12. Indemnity

To the extent permitted by law, you agree to indemnify and hold us harmless from third-party claims and losses arising out of:

• Your breach of these Terms,
• Your breach of any law in your use of the Service, or
• Your misuse of the Service to harm another person.

We will tell you promptly if such a claim is made and let you participate in the defence at your cost. We will not settle a claim that imposes a binding obligation on you without your prior written consent.

13. Termination

You may delete your account at any time from Settings → Privacy → Delete Account.

We may suspend or terminate your access to the Service:

• If you materially breach these Terms or the Acceptable Use rules in section 6,
• If required by law,
• For prolonged inactivity (with reasonable notice), or
• If we discontinue the Service generally (with reasonable notice).

On termination:

• Your right to use the Service ends immediately.
• We retain and then delete Your Content according to the retention schedule in our Privacy Policy (30-day soft-delete, then hard purge).
• Sections that by their nature should survive termination (ownership, disclaimers, limitation of liability, indemnity, governing law) survive.

14. Changes to these Terms

We may update these Terms from time to time. For non-material changes (e.g., typos, contact details), we update this page and the "Last updated" date. For material changes, we will notify Account Holders by email or an in-app banner at least 30 days before the change takes effect, except where a shorter period is needed for legal or security reasons.

If you continue to use the Service after a change takes effect, you accept the updated Terms. If you do not accept them, stop using the Service and delete your account.

15. Governing law and venue

These Terms are governed by the laws of India, without regard to its conflict-of-laws principles.

Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts at Surat, Gujarat, India, unless a different forum is required by mandatory consumer-protection law in your country of residence.

If you are a consumer resident in the EU, UK, or another jurisdiction whose mandatory law gives you the right to bring proceedings in your local courts, this section does not deprive you of that right.

16. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy together form the entire agreement between you and us regarding the Service.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force.
• No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
• No assignment by you. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a sale or transfer of the Service, on notice to you.
• No agency. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and us.
• Force majeure. We are not liable for failures caused by events beyond our reasonable control (e.g., internet outages, infrastructure provider failures, natural disasters, acts of government).

17. Contact

Questions about these Terms?

• support@naame.in
• Operator postal address: Bhaumik Dhameliya, 360, Raj Imperia, Vraj Chowk, Sarthana Jakatnaka, Surat, Gujarat, India