Terms & Conditions

Munshi: Hisaab Kitaab · Last updated: 2026-11-02

1. Using the app

By creating an account or using Munshi: Hisaab Kitaab you agree to these terms and to our Privacy Policy. You must be at least 18 and able to enter into a contract. If you do not agree, please do not use the app.

2. What the app is (and is not)

The app is a record-keeping tool for your own income, expenses, clients and loans. It is not a bank, a lender, a payment service or an accounting, tax or legal adviser. It does not move money, lend money or collect payments. The loan feature only records loans you give or take, and reminders are text messages that you choose to send yourself.

3. Your account

Keep your password private and tell us if you think someone else is using your account. You are responsible for what happens under your account. Give us true details and keep them up to date.

4. Your data and your responsibility

The records are yours. You are responsible for their accuracy and for having the right to store any details about other people (for example clients). You must not use the app for anything unlawful, to harass others, to upload harmful files, or to try to break or overload the service.

5. Teams and shared books

If you add a team member and allow them to add entries, they can see and work in your books until you remove that access. You are responsible for who you invite. If someone gives you access to their books, use it only for their business, and expect your name to be shown on the entries you add.

6. Reports and sharing

Reports and PDFs are made from the records you entered. Check them before you rely on them or send them to others. Messages sent through WhatsApp or SMS are handled by those services.

7. Availability and backups

We work to keep the service running but cannot promise it is always available or free of errors. The app is provided "as is". We recommend you download your reports regularly and keep your own copies.

8. Ending your use

You can stop using the app and delete your account at any time (Settings → Delete my account, or this page). We may suspend or close accounts that break these terms or put the service or other users at risk.

9. Our rights

The app, its design and software belong to Guro. You get a personal, non-transferable right to use it. Your data stays yours.

10. Limit of liability

To the extent allowed by law, Guro is not responsible for losses caused by wrong entries, lost or delayed data, service interruptions, or decisions you make using the reports. Nothing here limits rights you have under the law that cannot be limited.

11. Changes and law

We may update these terms; the date above shows the latest version, and continuing to use the app means you accept the update. These terms are governed by the laws of Pakistan.

12. Contact

Guro · https://hisab.expertguro.com