Terms of Service

1. Acceptance of Terms & Operating Entity

These Terms of Service ("Agreement") constitute a legally binding agreement between you ("Merchant", "User", "You") and Celestiq Insights OPC Private Limited ("Company", "We", "Us", "MSME Vyapari"), a company incorporated under the Companies Act, 2013 of India. By accessing, downloading, installing, or utilizing the MSME Vyapari mobile application, desktop software, web applications, or cloud synchronization services, you acknowledge that you have read, understood, and agreed to be bound by all terms outlined herein.

2. Nature of Software & Non-Banking Disclaimer

MSME Vyapari is strictly a digital bahi-khata, record-keeping, billing, and accounting productivity software platform.

• MSME Vyapari is NOT a bank, Non-Banking Financial Company (NBFC), payment aggregator, payment gateway, or money transmitter.
• MSME Vyapari does not hold, collect, escrow, lend, or transfer customer or merchant funds.
• All credit/debit records entered by the merchant are self-declared commercial entries for bookkeeping purposes only.

3. UPI & Payment Settlement Indemnity

Payment reminders generated through WhatsApp, SMS, or QR codes utilize National Payments Corporation of India (NPCI) standard UPI deep links (upi://pay). All funds transferred via these links settle directly from the customer's bank account to the merchant's verified bank Virtual Payment Address (VPA) through the respective participating banks and UPI applications. The Company accepts zero liability for failed, delayed, erroneous, or disputed peer-to-peer bank transfers.

4. Statutory GST & Invoicing Responsibility

The Merchant is solely responsible for the legal accuracy of Goods and Services Tax (GST) rates, HSN/SAC codes, invoice numbering sequences, GSTIN declarations, and tax filings generated through the thermal POS billing engine. MSME Vyapari provides computational tools and templates; it does not render professional legal or taxation advice.

5. Local-First Data Ownership & Cloud Vault

You retain 100% intellectual property ownership over all financial entries, party ledgers, and customer transaction records created on your device. The Company guarantees that your offline and cloud backup data will never be sold, rented, or distributed to credit rating agencies or third-party advertisers.

6. Limitation of Liability

To the maximum extent permitted by applicable Indian law (including the Information Technology Act, 2000), Celestiq Insights OPC Pvt. Ltd. shall not be liable for any indirect, incidental, punitive, or consequential damages, loss of business revenue, uncollected customer credit (bad debts), hardware damage (including thermal printers), or data loss arising out of hardware failure or unauthorized device access. In all circumstances, the Company's maximum aggregate liability is strictly capped at the total subscription fees paid by you in the preceding three (3) months.

7. Governing Law & Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with this Agreement shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, with the seat of arbitration located in India.