Terms and Conditions

These Terms are between Aadinath Ventures, a partnership firm registered under the Indian Partnership Act, 1932 (“we”), and the business that creates an account (“you”). We trade as SthirApp and SthirWA. Those names are trade names only.

Our principal place of business and GSTIN are the address and GSTIN printed on the tax invoice for your subscription, and on the terms page when we have published them. If they are missing, email hello@sthirapp.com and we will send them.

You confirm that you are at least 18 and that you are authorised to bind your business.

SthirApp is a tool for your own accounts. It keeps girvi and EMI ledgers, works out interest from the rates and dates you enter, stores collateral and stock records, prints receipts and templates, prepares jewellery billing documents, and can send reminders. SthirWA can send WhatsApp messages through your own WhatsApp Business account.

The software is for record-keeping and ease of use. It does nothing else.

We are not a bank, NBFC, payment aggregator, money-lender, pawnbroker, chartered accountant, BIS hallmarking centre, or advocate. We do not lend. We do not buy or sell gold or jewellery. We do not give legal, tax, or hallmarking advice.

We do not receive, hold, or settle money payable by a borrower or a retail buyer. The only sum payable to Aadinath Ventures is the subscription fee for the software.

You hold whatever state money-lender or pawn licence your business needs. You set interest, penalties, and purity. You decide GST classification, HSN, e-invoice, and e-way. You collect customer data lawfully and you give your own customers notice. You send WhatsApp messages only where you have a lawful basis.

Printed forms, Form 7, Form 8, and lien notices are templates. You check them against the rules of your state before you rely on them. Figures in the software are arithmetic on your inputs. You review them before you act.

If the software records a repayment, a sale, or a collection through your own merchant account, that entry is your bookkeeping. The payment runs between your customer, you, and your bank or payment provider.

A wrong ledger entry is a software claim under the cap in section 10. It is not a claim for the gold, the debit, or the sale proceeds.

Fees, taxes, and plan names are those on the current pricing page at the time you subscribe or renew. They are not frozen in these Terms. A price change applies on the next renewal, and we tell you in the app before that renewal. We may suspend access if a fee is unpaid. Refunds are given only where the law requires them.

Loan records, customer data, invoices, and messages you enter stay yours. You grant us a limited right to host and process them solely to provide the software.

We own the app. While your subscription is active, you have a non-exclusive licence to use it for your own business. You will not resell it, reverse engineer it, or hold yourself out as us.

The software is a record-keeping tool. We do not warrant that a figure matches a statute, that a form will be accepted by an authority, that a message will be delivered, or that the service will be uninterrupted. You keep your own export of records that matter to you.

To the extent the law allows, our total liability for claims arising out of the software in a 12-month period is the subscription fees you paid us in that period.

We are not liable for loss of profit, loss of interest, a shortfall on gold or collateral, a dispute with your customer, a licence or tax penalty imposed on you, or any other indirect loss.

This cap does not apply to fraud or wilful misconduct by us. We do not exclude any liability that Indian law does not allow a contract to exclude.

You will indemnify the partnership and its partners against claims by your customers, your staff, Meta, a payment provider, or an authority, to the extent the claim arises from your rates, your licence, your messages, your invoices, your customer data, or your decision to sell or redeem a pledge.

This indemnity does not cover a claim caused by our fraud or wilful misconduct.

We will defend you against a claim that the unmodified software infringes a third party’s intellectual property right in India, and we will pay damages finally awarded against you, up to the cap in section 10, if you tell us promptly and let us control the defence.

Web pages, blogs, and comparison pages describe the product. They are not part of this contract. They are not a promise of regulatory approval, of zero data loss, or of a free plan.

We may suspend the account for non-payment, for use that breaks these Terms, or if the law requires it. You may export your records while the account is in good standing, and for a reasonable time after it ends.

These Terms are governed by the laws of India. If a dispute arises, the parties will try to resolve it in good faith for 30 days. After that, the courts at the city of our principal place of business have exclusive jurisdiction. These Terms do not take away the right to go to court.

A material change to these Terms, the Privacy Notice, or the Data Processing Agreement takes effect when you accept the new version in the app. We store the version id and the time of acceptance. Continued use alone is not acceptance of a new cap or a new privacy purpose.

These Terms, the Privacy Notice, and the Data Processing Agreement are the whole agreement. They replace earlier terms, including any different price or liability wording.

Interest, penalty, and closure figures are arithmetic from your rates and dates. We do not check them against a state cap.

We do not supply a standard clause that tells you to sell pledged items. Form 7, Form 8, and lien notices are drafts for your format. You adopt them to your state’s rules.

Borrower-facing prints do not name the software or the partnership. Your firm is the only party identified on the document, and you are responsible for what it prints.

You are the supplier on any tax invoice. We do not certify purity, HUID, hallmark, making charges, HSN, or the GST rate. Those are yours and your chartered accountant’s.

Bills do not name the software or the partnership. Your firm is the only party identified on the bill, and you are responsible for what it prints.

You are the sender and the Data Fiduciary for your customers. Messages go through your own WhatsApp Business account. Meta’s terms, pricing, and outages are between you and Meta.

We do not read chats except to fix a support ticket you opened. You will not turn on automated reminders unless you have a lawful basis to message those customers.

Questions about these Terms: hello@sthirapp.com.