The deal, in plain words

1. Agreeing to these terms

In short: messaging the LekhaJokha number means you accept these terms and the privacy policy. If you do not, don't message it.

1.1 By sending a message to the LekhaJokha WhatsApp number, or by using lekhajokha.ai, you agree to these Terms of Use ("Terms") and to the privacy policy, which forms part of them.

1.2 If you do not agree, do not use the service. If you have already used it and change your mind, send delete my data and everything of yours is removed.

1.3 If you are using LekhaJokha on behalf of a business, you confirm you are authorised to accept these Terms for that business, and "you" means both you and it.

2. Definitions

In short: the few words used in a particular way below.

• "We", "our", "us" — Mibora Technologies Private Limited, Chandigarh, India.
• "LekhaJokha" or "the Service" — the record-keeping assistant reachable on WhatsApp, together with the website at lekhajokha.ai.
• "You" — the individual using the Service from their own WhatsApp number.
• "Your Content" — everything you send to the Service: text, voice notes, photos and files.
• "Records" — the structured entries the Service creates from Your Content, such as a payment with an amount and a person, or a list of items.
• "Early access" — the present stage of the Service, described in clause 8.

3. What LekhaJokha is, and is not

In short: it writes down what you tell it and answers questions about those notes. It is not an accountant, a bank, a biller or a lawyer, and it must not be treated as one.

3.1 What it is. A record-keeping assistant. You send it a message in your own words; it works out whether that is a shopping list, a payment, an udhaar or a note, stores it, and replies with what it saved — except an udhaar with a person, which it fills into a short form for you to check and save. Later you can ask it questions about your own records and it answers from them.

3.2 What it is not. The Service is not: an accountant or bookkeeper; a bank, wallet, payment system or money transfer service; a billing, invoicing or GST service; a lender or credit provider; or a provider of legal, tax, financial or accounting advice. Nothing it produces is a statutory book of account, an invoice, or a document you may rely on for filing anything with any authority.

3.3 No money moves. LekhaJokha never sends, receives, holds or collects money. Recording that you paid someone does not pay them.

3.4 One person, one number. The Service today keeps the records of a single person under a single WhatsApp number. There are no shared books, no team access and no way for one person's message to reach another person's records.

3.5 No reminders are sent. A date you mention is recorded and shown when you ask for it. The Service will not message you unprompted.

4. Who may use it, and your account

In short: adults only, in India, and your phone number is your account — so guard it, because whoever holds the number holds the records.

4.1 Age. You must be at least 18 years old and capable of entering a contract under the Indian Contract Act, 1872.

4.2 Where. The Service is offered for use in India. We make no representation that it is appropriate or available elsewhere.

4.3 Your number is your account. There is no username and no password. Anyone with access to your WhatsApp account can read your records and add to them, and can delete all of them. Keeping your phone and your WhatsApp account secure is your responsibility.

4.4 If you change or give up your number. Tell us before you do. A recycled number handed to someone else would give that person access to whatever is stored against it. We will delete your records on request — see delete my data.

4.5 One account per number. You may not create accounts for numbers you do not control.

5. Acceptable use

In short: use it for your own records. Don't send other people's private information, don't use it for anything illegal, and don't attack it.

5.1 You agree that you will not:

• use the Service for any unlawful purpose, or to record or further any unlawful activity;
• send content belonging to, or personal information about, another person that you are not entitled to keep or share with us;
• upload anything containing malware, or attempt to probe, scan, overload, disrupt or gain unauthorised access to the Service or its infrastructure;
• attempt to extract, reverse engineer or replicate the models, prompts or logic behind the Service, or use it to build a competing product;
• use automated means to send messages at a volume or rate that a person would not, or resell or provide the Service to third parties;
• impersonate anyone, or use a number you do not control;
• send content that is obscene, harassing, hateful, or that infringes anyone's intellectual property rights; or
• use the Service in breach of WhatsApp's own terms or of Meta's business and commerce policies.

5.2 A practical note on other people. Ordinary record keeping involves other people's names — "Ramesh ko 500 diye" is the whole point of the product. That is expected and fine. Clause 5.1 is about sending us information about others that goes beyond keeping your own record of your own dealings.

5.3 We may remove content or suspend access where we reasonably believe this clause has been breached. See clause 12.

6. Your content

In short: your messages and your records are yours. We get only the narrow permission we need to run the Service for you — nothing to publish it, sell it, or train our own models on it. What the outside services we rely on may do with what they receive is a separate question, and clause 5.2 of the privacy policy answers it service by service.

6.1 You own Your Content and your Records. Nothing in these Terms transfers ownership of them to us.

6.2 The permission you give us is limited to what running the Service requires: to receive, store, transcribe, process, structure and display Your Content and your Records back to you, and to transmit them to the processors named in clause 5 of the privacy policy for that purpose alone. It is non-exclusive, royalty-free, and lasts only as long as we hold the content.

6.3 What that permission is not. It does not allow us to publish Your Content, share it with anyone outside clause 5 of the privacy policy, use it for advertising, use it to train any model of our own, or use it for any purpose other than providing the Service to you.

6.3a This clause limits us, not the processors. Clause 6.2 permits us to transmit Your Content to the processors named in clause 5 of the privacy policy. What each of them may then do with what it receives is governed by its own terms, and it is not the same for all of them — in particular, the speech-to-text service may use the audio of a voice note to improve its own models. Clause 5.2 of the privacy policy states the current position for each provider, and is the clause to read before you send a voice note.

6.4 It ends when you say so. Delete your data and the permission ends with it.

6.5 You are responsible for Your Content — that you have the right to send it, and that doing so does not breach clause 5 or anyone's rights.

7. Accuracy, and checking it

In short: automated systems transcribe and interpret what you send, and they make mistakes. Every reply shows you what was saved — or, for an udhaar with a person, what was read, before you save it — so you can catch them. Check the amounts — especially before you rely on one.

7.1 The Service is automated. Voice notes are transcribed by machine, photos and PDFs are read by machine, and messages are interpreted by machine. All three are wrong sometimes: a name may be misheard, an amount may be misread off a bill, a line on a photographed list may be missed or invented, and a message may be filed as the wrong kind of record. A page longer than forty lines is read only as far as forty, and the reply says how many it could not take.

7.2 We show our working precisely because of this. Every reply states what was saved. For an udhaar with a person, the reply instead shows what was read, in a form you check before anything is saved. A voice note's reply shows the words that were heard, so that an error is visible at the moment it is made. You can correct a record by saying so in the chat; it asks before it overwrites anything already saved. The Undo button under a reply takes back what that reply saved, and a typed "undo" asks before it removes anything.

7.2a Correcting an older record. A plain "undo" acts on your most recent change. An older record can be corrected where you identify it in your message — by words appearing in that record, or by the person it concerned. The service searches approximately thirty days on that basis, or across your twenty most recent records. An older record can also be removed: reply "delete this" to its message, or name it by words appearing in it (the same search as above). Where it cannot determine which record you mean, it asks you rather than altering one, and it asks before removing any record. Clause 7.2 still matters for the same reason: the easiest moment to catch a mistake is when it is shown to you.

7.3 You must check anything that matters — in particular amounts, names and dates — before relying on a record for any purpose. The Service is an aid to memory, not a source of truth about money.

7.4 Not a substitute for professional advice or for your own books. If a figure matters for tax, a loan, a contract or a dispute, verify it independently.

7.5 What we do about mistakes. If the Service fails to understand a message, it saves the message as a note rather than discarding it, and says so. Our aim is that nothing you send is ever silently lost.

8. Availability and early access

In short: this is an early product being tested with a small group. It will change, it may break, and it could stop. Please do not make it the only place a number lives.

8.1 Early access. The Service is at an early stage of development and is provided on an "as is" and "as available" basis. Features may be added, changed or removed without notice.

8.2 No uptime commitment. We do not promise the Service will be available at any particular time, or uninterrupted, or free of faults. It may be unavailable for maintenance, or because of a failure at WhatsApp or another provider we depend on.

8.3 Keep your own copy of anything critical. There is no export today, so if a record would be painful to lose, do not let LekhaJokha be the only place it exists. We would rather say this plainly than have you discover it.

8.4 If we stop. We may suspend or discontinue the Service. Where we can, we will give notice in the chat before we do, and time to ask for a copy of your records.

9. Fees

In short: free right now. If that ever changes, we will tell you before it does, and you will not be charged for anything you did not agree to.

9.1 The Service is currently provided free of charge. Your mobile network's or WhatsApp's own charges, if any, are yours.

9.2 We may introduce paid plans in future. If we do, we will tell you in the chat before any charge applies to you, and continuing to use a free tier will never be treated as agreement to pay.

9.2b Taxes. Any price we quote is exclusive of taxes. We are not currently registered for GST, so nothing is added today; if that changes, the applicable tax will be added to the price rather than absorbed into it, and clause 9.2 still applies — we will tell you in the chat before any charge reaches you.

9.2a Free does not mean unlimited. Reading your messages, hearing your voice notes and reading your photos costs us money for every one, so free access carries a fair-use allowance and may be offered as a trial for a limited period. If you reach it, LekhaJokha tells you in the chat, says plainly what the limit was, and keeps what you sent — nothing you have saved is removed or hidden, and you can still ask for all of it to be deleted at any time. We may change these allowances; we will not do it retrospectively to something you have already sent.

9.3 No fee is payable for exercising any right under the privacy policy, including deletion.

10. Our intellectual property

In short: the software and the name are ours; your records are yours.

10.1 The Service — its software, prompts, models as configured by us, database design, interface, wording, the name "LekhaJokha" and our logos — is and remains the property of Mibora Technologies Private Limited, protected by Indian and international intellectual property law.

10.2 You are granted a personal, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose. No other rights are granted.

10.3 "WhatsApp" and "Meta" are trademarks of Meta Platforms, Inc. We use them only to describe where the Service runs and how to reach it. We are not endorsed by, affiliated with, or a partner of Meta.

11. Third-party services

In short: LekhaJokha runs on WhatsApp and depends on a handful of other companies. Their terms apply to their part, and we cannot control them.

11.1 The Service is delivered over the WhatsApp Business Platform and depends on the providers named in clause 5 of the privacy policy. Your use of WhatsApp is governed by Meta's own terms and privacy policy, and your acceptance of those is a condition of using the Service.

11.2 We are not responsible for the acts, omissions, availability or policies of those third parties, and a failure of theirs may interrupt the Service.

12. Ending it

In short: you can leave whenever you like, with one message. We can suspend someone who is abusing the Service, and we will say why.

12.1 By you. Stop messaging it, or send delete my data and confirm, which erases everything we hold. There is no notice period and no exit process.

12.2 By us. We may suspend or terminate your access if we reasonably believe you have breached clause 5, if required by law, or if continuing would expose us or other users to harm. Except where the law or the seriousness of the breach prevents it, we will tell you why and give you a chance to respond.

12.2a Reaching a free allowance is not termination. If you use up a fair-use allowance or a trial under clause 9.2a, your access to reading new messages pauses — it is not suspended or terminated under 12.2, no breach is alleged, your records stay exactly where they are, and you keep every right under the privacy policy, including deletion.

12.3 What survives. Clauses 6.5, 10, 13, 14, 15, 19 and 21 survive termination.

13. Warranties

In short: we do not guarantee the Service is error-free or always available. This does not take away rights the law gives you that cannot be excluded.

13.1 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, including any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement.

13.2 We do not warrant that the Service will meet your requirements, be uninterrupted or error-free, that transcriptions or interpretations will be accurate, or that defects will be corrected.

13.3 Nothing in these Terms excludes or limits any right or remedy available to you under applicable Indian law, including consumer protection law, which cannot lawfully be excluded or limited.

14. Liability

In short: if a record is wrong and it costs you money, we are not liable for that loss — which is exactly why clause 7 asks you to check the amounts. Our overall liability is capped, and we cannot exclude liability for fraud or for death or injury we cause.

14.1 To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, punitive or exemplary loss, or for loss of profit, revenue, business, goodwill, anticipated savings or data, however arising.

14.2 Without limiting clause 14.1, we are not liable for loss arising from: reliance on a record that was inaccurate, incomplete, misheard or misclassified; the unavailability of the Service; the loss or corruption of Records; the act or omission of any third party named in clause 11; or unauthorised access to your WhatsApp account or your phone.

14.3 Cap. Our total aggregate liability arising out of or in connection with the Service and these Terms, whether in contract, tort (including negligence), statute or otherwise, is limited to the greater of (a) the total amount you paid us for the Service in the twelve months before the event giving rise to the claim, and (b) ₹1,000. While the Service is free, this means ₹1,000.

14.4 What is never excluded. Nothing in these Terms excludes or limits our liability for fraud or fraudulent misrepresentation, for death or personal injury caused by our negligence, or for anything else that cannot lawfully be excluded or limited.

14.5 Why this is here, said plainly. An automated record keeper offered free of charge cannot underwrite the business decisions taken on the strength of what it recorded. That is the trade, and clause 7 is our side of it: we show you what was saved — or, for an udhaar with a person, what was read, before you save it — every time, so mistakes are catchable.

15. Indemnity

In short: if you break clause 5 and someone sues us over it, that is on you.

15.1 You agree to indemnify and hold us harmless against any claim, demand, loss, liability, cost or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or Your Content infringing the rights of a third party.

15.2 We will notify you promptly of any such claim and will not settle it without consulting you.

16. Events outside our control

In short: we are not liable for failures caused by things nobody could control.

16.1 We are not liable for any failure or delay caused by an event beyond our reasonable control, including an outage at WhatsApp, Meta or another provider, an internet or power failure, an act of God, a natural disaster, war, civil unrest, epidemic, or an act of government or regulator.

17. Privacy

In short: the privacy policy is part of this agreement, and it is worth reading.

17.1 Our handling of your personal data is governed by the privacy policy, which forms part of these Terms.

17.2 Instructions for erasing everything we hold are at delete my data.

18. Changes to these terms

In short: if we change something that matters, we tell you in the chat first.

18.1 We may amend these Terms as the Service develops. The effective date at the top and the date at the foot say when they last changed.

18.2 Where a change materially affects your rights or obligations, we will tell you in the chat before it takes effect. Continuing to use the Service after that constitutes acceptance; if you do not accept, send delete my data.

19. Governing law and disputes

In short: Indian law, Chandigarh courts — and please write to us first, because most things are fixable in an email.

19.1 These Terms are governed by and construed in accordance with the laws of India.

19.2 Talk to us first. Before starting any proceeding, please raise the matter with our Grievance Officer under clause 20 and allow 30 days to resolve it. Most disputes end there.

19.3 Subject to clause 19.2, the courts at Chandigarh, India have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

19.4 Nothing in this clause affects your right to complain to the Data Protection Board of India about the handling of your personal data.

20. Grievance Officer

In short: a named route for complaints, answered within 30 days.

20.1 In accordance with the Information Technology Act, 2000 and the rules under it, and with the DPDP Act, complaints about the Service or about your personal data may be sent to:

21. General

In short: the usual closing clauses — one bad sentence does not sink the rest, and this page is the whole agreement.

21.1 Severability. If any clause is held unenforceable, it is modified to the minimum extent necessary, or severed, and the rest continues in force.

21.2 No waiver. If we do not enforce a right, that is not a waiver of it.

21.3 Entire agreement. These Terms and the privacy policy are the entire agreement between us about the Service, and replace anything said before.

21.4 Assignment. You may not transfer your rights under these Terms. We may assign ours to a successor of our business, on notice to you in the chat.

21.5 Notices. We may give you notice in the WhatsApp chat or by email. You may give us notice at the address in clause 22.

21.6 No third-party rights. Nobody other than you and us has any right to enforce these Terms.

21.7 Language. These Terms are written in English. Any translation is for convenience, and the English version governs.

22. How to reach us