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Terms & Conditions

Last updated: September 2026

1. Using SmartKhata

SmartKhata is a self-managed ledger tool. You are responsible for the accuracy of the financial data you enter — SmartKhata performs the arithmetic, but does not verify or audit your entries.

2. No financial advice

SmartKhata is a record-keeping tool, not a source of financial, tax, or legal advice. Consult a qualified professional for those matters.

3. Account security

Keep your password confidential. You are responsible for activity under your account. Contact support immediately at neemployment.org@gmail.com if you suspect unauthorized access.

4. Service availability & Backups

We aim for reliable uptime but do not guarantee uninterrupted service. Regular backups via the in-app Backup & Restore feature are recommended for your own records.

5. Changes to Terms

These terms may be updated as SmartKhata evolves. Continued use after a change means you accept the update.