Last updated: 30 June 2022

TERMS OF USE

Thank you for selecting Khatapana, a fintech platform (“Khatapana”) offered by Finnove Technologies Pvt. Ltd. and/or its subsidiaries and affiliate (referred to as “Finnove”, “we”, “our” or “us”), to manage money for yourself and your small business as the first step towards financial freedom and prosperity. Please review these Terms of Service ("Agreement") thoroughly. This Agreement is a legal agreement between you and Finnove. By clicking “I Agree,” indicating acceptance electronically, or installing, accessing or using the Services, you agree to this Agreement. If you do not agree to this Agreement, then you may not use the Services.

Khatapana is a fintech platform that empowers individuals to keep track of money (finance) for themselves as well as for their business, in one single platform. Khatapana is currently available in web version (www.khatapana.com) and the web version can also be downloaded as a web app in mobile phones.

General Terms

The Platform is intended for the use of residents of Nepal only. By continuing to access or use the Platform, you signify your acceptance of the Terms. These Terms also include our privacy policy, available at ("Privacy Policy") and any internal guidelines, supplementary terms, policies, or disclaimers.

By using the Services, you agree that you have read, understood, and are bound by these Terms, and that you comply with the requirements listed herein. If you do not agree to all of these Terms or comply with the requirements herein, please do not access the Platform or use the Services.

SERVICES

Khatpana is a personal/business finance information management service that allows you to record and track your personal financial information and also financial transactions for your business; and helps you make better financial decisions (“Services”). Khatapana is offered by Finnove without charge (it is free, with optional paid features) and is meant to provide you with tools and information to help you organize and manage your personal and small business finances.

YOUR REGISTRATION INFORMATION AND ELECTRONIC COMMUNICATIONS

To avail the Services and access Khatapana, you need to sign up for an account. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address, your date of birth, or your citizenship number, your business registration details, and/or requiring you to take steps to confirm ownership of your email address or financial details, or verifying information you provide against third party databases or through other sources, including your mobile device and/or device operating environment. If you do not provide this information or Finnove cannot verify your identity, we can refuse to allow you to use the Services.

You agree and understand that you are responsible for maintaining the confidentiality of any user ID and password used to access the Services. Those credentials, together with any mobile number or other information you provide, are considered your “Registration Information.” By providing us with your email address, you consent to receive all required notices and information. Electronic communications may be posted on the Services and/or delivered to your email address that we have on file for you. It is your responsibility to provide us with your complete, accurate contact information, or promptly update us in the event you change your information or ownership of your telephone number or other information changes. If we discover that any information provided in connection with your account is false or inaccurate, we may suspend or terminate your account at any time. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser. Your consent to receive communications electronically is valid until you end your relationship with us.

You may print a copy of any electronic communications and retain it for your records. We reserve the right to terminate or change how we provide electronic communications and will provide you with appropriate notice in accordance with applicable law.

If you believe that your Registration or Account Information or device that you use to access the Services has been lost or stolen, or that such information, device, or your account was otherwise used without your permission, you must notify us immediately by contacting admin@finnovetech.com .

YOUR USE OF SERVICES

Finnove hereby grants you a limited personal license to access Khatapana and use the Services as set forth in this Agreement. You are only granted a limited right to use of the Services and only for the purposes and by the means described by Finnove and set forth in this Agreement. Finnove reserves all other rights in the Services. Until termination of this Agreement and as long as you meet any applicable payment obligations and comply with this Agreement, Finnove grants to you a personal, limited, nonexclusive, nontransferable right and license to use the Services in accordance with the terms set forth herein.

Your right to access and use the Services is personal to you and is not transferable by you to any other person or entity. You agree not to use, nor permit any third party to use, the Services in a manner that violates any applicable law, regulation, or this Agreement. You agree that you will not: provide access to or give any part of the Services to any third party; reproduce, modify, copy, sell, trade, lease, rent, or resell the Services; decompile, modify, copy, sell, trade, lease, rent, or resell the Services; or make the Services available on any file-sharing or application hosting service.

You must provide true, accurate, up to date, and complete information in connection with the Services and you may not misrepresent your Registration and Account Information. If you do not keep your Registration and Account Information up to date and accurate, the accuracy and effectiveness of the Services will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Registration and Account Information and other information necessary to facilitate your use of the Services.

Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of device operating environment or other equipment, periodic updating, maintenance or repair of the Services or other actions that Finnove, in its sole discretion, may elect to take. In no event will Finnove be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime or use of a rooted or jailbroken mobile device.

Your sole and exclusive remedy for any failure or non-performance of the Services, including any associated software or other materials supplied in connection with such services, will be for Fiinove to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable service.

From time to time, the Services may include new and/or updated pre-release, beta, or trial features (“Sneak Preview” features) for your use and which permit you to provide feedback. You understand and agree that your use of Sneak Preview features is voluntary and Finnove is not obligated to provide you with any Sneak Preview features. Furthermore, if you decide to use the Sneak Preview features you agree to abide by any rules or restrictions Finnove may place on them. You understand that once you use the Sneak Preview features, you may be unable to revert back to the earlier version of the same or similar feature. Additionally, if such reversion is possible, you may not be able to return or restore data created within the Sneak Preview feature back to the earlier version. The Sneak Preview features are provided on an “as is” basis and may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Sneak Preview features is at your sole risk.

ACCOUNT INFORMATION

You may direct Finnove to retrieve their own information maintained online by third parties with which they have customer relationships, maintain accounts, or engage in financial transactions (“Account Information”). Finnove may work with one or more service providers to access this Account Information. Finnove does not review the Account Information for accuracy, legality or non-infringement. Finnove is not responsible for the Account Information or products and services offered by or on third party sites.

Finnove cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings, device operating environment malfunctions or other service interruptions. Finnove cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the Account Information is obtained. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account Information through the Services, in the manner prescribed in the associated instructions.

RIGHTS YOU GRANT TO US

In connection with your use of the Services, you may make available to us certain information, data, passwords, usernames, PINs, other log-in information, materials and/or other content that you upload, transmit, post, generate, store, or otherwise make available, including but not limited to feedback you provide to us through the Services (“Content”). You grant Finnove a worldwide, royalty-free, non-exclusive license to host and use any such Content. Archive your Content frequently. You are responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information and disclosures. Finnove is not responsible for the Content or data you submit through the Services. By submitting Content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the Content in connection with Services, other products or services, and our business, including without limitation for promoting and redistributing part or all of the site or Services (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user a non-exclusive license to access your posted Content through the Services, and to use, reproduce, distribute, prepare derivative works of, display and perform such Content as permitted through the functionality of the Services and under this Agreement. Finnove may use and store Content in accordance with this Agreement and our Privacy Statement. You represent that you are entitled to submit it to Finnove for use for this purpose, without any obligation by Finnove to pay any fees or be subject to any restrictions or limitations.

By using the Services, you expressly authorize Finnove to access your Account Information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose such information to us. When you use the “Add Account” feature of the Services, you may be directly connected to the site for the third party you have identified. Finnove will use information, including usernames and passwords, that you provide to connect with the third party and access certain information on your behalf. You hereby authorize and permit Finnove to use and store information submitted by you to accomplish the foregoing and to configure the Services so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you in connection with the Services, you grant Finnove a limited power of attorney, and appoint Finnove as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN FINNOVE IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, FINNOVE IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. Finnove is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information.

FINNOVE'S INTELLECTUAL PROPERTY RIGHTS

The contents of the Services and Khatapana, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under both Nepal and other applicable copyright, trademark and other laws. The contents of the Services belong or are licensed to Finnove or its software or content suppliers. Finnove grants you the right to view and use the Services subject to these terms. You may download or print a copy of information for the Services for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Services or content in a manner that violates any applicable law, regulation or this Agreement.

Finnove respects the intellectual property rights of others and Finnove requires that users of the Services do the same. If you believe that your intellectual property is being used in connection with the Services in a way that constitutes copyright infringement, please notify us about the same to the contact information is as follows:

Finnove Technologies Pvt. Ltd.
Gothatar, Beside Sun City Apartments
Kageshwari Manohari, Kathamandu

Any information or correspondence that you provide to Finnove may be shared with third parties, including the person who provided Finnove with the allegedly infringing material.

Upon receipt of a bona fide infringement notification, it is our policy to remove or disable access to the infringing material, notify the user that it has removed or disabled access to the material, and, for repeat offenders, to terminate such user's access to the service.

If you believe that your content should not have been removed for alleged copyright infringement, you may send us a written counter-notice.

If we receive a counter-notice, we may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the user, the removed material may be replaced or access to it restored in 10 to 14 business days or more after receipt of the counter-notice, at our discretion.

ACCESS & INTERFERENCE

You agree that you will not:

Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without Finnove's express written consent, which may be withheld in Finnove's sole discretion;
Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services, other than the search engines and search agents available through the Services and other than generally available third party web browsers (such as Microsoft Internet Explorer or Safari);
Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, such as rootkits, keyloggers, bots or that otherwise interfere with the proper working of the Services;
Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services;
Use any information available through the Services for purposes of issuing credit or insurance or to make any eligibility determinations, except with our express written permission;
Mirror or otherwise incorporate any part of the Services into any other site, or deep-link to any portion of the Services, without our express written permission
Reproduce, modify, copy, sell, trade, lease, rent or resell the Services or otherwise use any portion of the Services, including but not limited to data published by Finnove as part of the Services, for commercial purposes, without our express written permission;
Copy, modify, or create derivative works of the Services or any Content (excluding your Content) without our express written permission;
Copy or use the information, Content (excluding your Content), or data on our Services in connection with a competitive service, as determined by Finnove; or
Attempt to gain or enable unauthorized access to any portion of the Services.

NOTIFICATIONS & ALERTS

Finnove may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information.

Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. Finnove may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Finnove may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Finnove will not be liable for any delays, failure to deliver, or misdirected delivery of any alert, for any errors in the content of an alert, or for any actions taken or not taken by you or any third party in reliance on an alert.

Electronic alerts will be sent to the then-current email address or mobile number you have provided for the Services. If your email address or your mobile number changes, you are responsible for informing us of that change. Alerts may also be sent to a mobile device that accepts text messages. Changes to your email address and mobile number will apply to all of your alerts.

Because alerts are not encrypted, we will never include your passcode. However, depending on which alerts you select, alerts may include your user ID and certain information about your accounts. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.

RULES FOR POSTING

As part of the Services, Finnove may allow you to post Content on bulletin boards, blogs and at various other publicly available locations. These forums may be hosted by Finnove or by one of our third party service providers on Finnove's behalf. You agree in posting Content to comply with the terms of this Agreement and its licensing restrictions, including the following rules:

You are responsible for all Content you submit, upload, post or store through the Services.
You grant each user a non-exclusive license to access your posted Content through the Sites, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Services and under this Agreement.
You agree not to use, nor permit any third party to use, the Services to a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person; b) post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate; c) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; or d) interfere with other users' use of the Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Services, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Services or that negatively affects the availability of the Services to others.
Except where expressly permitted, you may not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (e.g., a classified bulletin board) that are designated for such purpose.
You agree that any employment or other relationship you form or attempt to form with an employer, employee, or contractor whom you contact through the Services that may be designated for that purpose is between you and that employer, employee, or contractor alone, and not with us.
You may not copy or use personal identifying or business contact information about other users without their permission. Unsolicited emails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.
You agree that we may use any Content, including but not limited to any feedback, suggestions, or ideas you post in any way, including in future modifications of the Services, other products or services, advertising or marketing materials, and as otherwise set forth in the license grant above.

The Services may include a community forum or other social features to exchange information with other users of the Services and the public. Finnove does not endorse and is not responsible for the content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which Finnove is not responsible.

DISCLAIMER OF REPRESENTATIONS & POLICIES

THE SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICES OR PROVIDED THROUGH THE SERVICES (WHETHER OR NOT SPONSORED) ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. FINNOVE, ITS AFFILIATES, AND ITS THIRD PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

NEITHER FINNOVE OR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE SERVICES (WHETHER OR NOT SPONSORED), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER FINNOVE OR ITS SUPPLIERS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR ROOTKITS OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DEVICE OPERATING ENVIRONMENT, DATA OR PERSONAL INFORMATION.

DISCLAIMER & LIMITATIONS ON FINNOVE'S LIABILITY

THE SERVICES ARE NOT INTENDED TO PROVIDE LEGAL, ACCOUNTING, TAX, INVESTMENT, OR FINANCIAL ADVICE, AND ARE NOT INTENDED TO SERVE AS TAX PREPARATION SERVICES. WE ARE NOT A FINANCIAL ADVISOR, PLANNER, BROKER, OR TAX ADVISOR. The Services are intended only to assist you in your financial organization and decision-making and are broad in scope. Your personal and business financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other certified financial advisers who are fully aware of your individual circumstances.

FINNOVE SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR USE OF OR ACCESS TO THE THE SERVICES, INCLUDING ADD-ON SERVICES, DEVICE OPERATING ENVIRONMENT, OR THIS AGREEMENT, EVEN IF INTUIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTIRE LIABILITY OF INTUIT, ITS AFFILIATES AND SUPPLIERS FOR ALL CLAIMS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICES DURING THE SIX (6) MONTHS PRIOR TO SUCH CLAIM.

YOUR INDEMNIFICATION OF FINNOVE

You shall defend, indemnify and hold harmless Finnove and its officers, directors, shareholders, and employees, from and against all claims, suits, proceedings, losses, liabilities, and expenses (including reasonable attorneys' fees), whether in tort, contract, or otherwise, that arise out of or relate, including but not limited to legal fees including attorney's fees, in whole or in part arising out of or attributable to any breach of this Agreement or any activity by you in relation to the Services, including add-on Services and/or device operating environment.

ENDING YOUR RELATIONSHIP WITH FINNOVE

If you want to end your relationship with Khatapana and close your account, you can do so by logging in to Khatapana and following instructions under the respective data and privacy settings (FAQ), or by following the instructions outlined in Privacy Policy.

Finnove may, in its sole discretion and without notice, restrict, deny, terminate this Agreement or suspend the Services, or related other Services, effective immediately, in whole or in part, if we determine that your use of the Services violates the Agreement, is improper or substantially exceeds or differs from normal use by other users, raises suspicion of fraud, misuse, security concern, illegal activity or unauthorized access issues, to protect the integrity or availability of the Services or systems and comply with applicable Finnove policy, if you no longer agree to receive electronic communications, or if your use of the Services conflicts with Finnove's interests or those of another user of the Services. Upon Finnove notice that your use of the Services has been terminated you must immediately stop using the Services and any outstanding payments will become due. Any termination of this Agreement shall not affect Finnove's rights to any payments due. Finnove may terminate a free account at any time. Sections of this Agreement that by their nature are intended to survive will survive and remain in effect even if the Agreement is terminated.

MODIFICATIONS

Finnove reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services, including add-on Services, with or without notice, by electronic means (e.g. via email or by making the information available through the Services). Finnove reserves the right to change the Services, including fees as may be applicable, in our sole discretion and from time to time. In such an event, if you are a paid user, Finnove will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Finnove will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Services.

In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Services after those changes are posted. If you do not agree with any of the changes, you must immediately stop accessing our Services and your license to use our Services will immediately terminate.

GOVERNING LAWS AND DISPUTES

Most disputes and disagreements can be resolved informally and efficiently by contacting our customer support team.

This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) of this Agreement (“Dispute”) shall be governed by and construed in accordance with the laws of Nepal.

In the event a Party has a Dispute, such Party shall give written notice to the other Party setting forth the alleged facts and issues regarding the Dispute (“Dispute Notice”). The Parties shall have thirty (30) days from the date of receipt of the Dispute Notice to resolve the claim amicably by mutual consultation.

Where the Parties are unable to reach such an amicable settlement, the Dispute shall be referred to the arbitration. The arbitration shall be subject to Nepal Council of Arbitration and the rule thereof. The venue of arbitration shall be Kathmandu. The losing Party shall bear all the costs of arbitration and attorney fees:

Notwithstanding above, Finnove may seek injunctive or equitable relief (including, without limitation, restraining orders, preliminary injunctions and other appropriate orders) at the relevant authorities and /or courts of Nepal.

KHATAPANA PRO, KHATAPANA PLUS AND OTHER PAID SUBSCRIPTION TIERS

These additional terms and conditions apply to use of Khatapana Pro, Khatapana Plus and other paid subscription tiers for the Khatapana Services, and will prevail over any conflict or inconsistency with the Agreement above.

When you choose to take advantage of Khatapana Pro, Khatapana Plus and other paid subscription tiers, a payment of the amount shown to you at the time of purchase will be charged to your account when the subscription begins, and it will auto renew as described at our then-current rates unless cancelled or terminated at least 48 hours before the end of a subscription period. Renewal payments will be charged on the payment date indicated with your subscription. You can manage your options and turn off auto renewals at any time, through your account settings with App Store or Google Play. You will continue to have access to subscription benefits through the end of your billing period. Payments are nonrefundable and there are no refunds or credits for partially used subscription periods.

In connection with Khatapana Pro, Khatapana Plus and other paid subscription tiers, we may provide the option to request cancellation of your recurring subscription to a third-party product or service (“Subscription Cancellation”). We may use certain third-party service providers to facilitate the Subscription Cancellation service. You expressly agree that we may share or otherwise provide these service providers access to your account information in order to process your Subscription Cancellation request. By requesting a Subscription Cancellation, you (i) represent that you have the legal capacity and authority to use this feature and to make changes to the account to which the Subscription Cancellation request relates; (ii) authorize us and our representatives to use the data you provide in connection with the Subscription Cancellation request to act as your agent, communicate with the applicable provider on your behalf to make changes to the relevant account(s), and if necessary, represent that we are making the request as or on behalf of the account holder, all solely for the purpose of completing the request; and (iii) give us express consent to cancel the designated subscription(s) on your behalf. You expressly agree that we may provide account verification details, including but not limited to your full name, service address, account number, payment verification, or security code, in order to validate the account with the third-party provider and proceed with your requested cancellation. Please note that even if we cancel a subscription on your behalf, your relationships with such third-party providers remain subject to such providers' terms of service and privacy statements. When you cancel a subscription, the provider's terms will govern whether you receive a refund. If you cancel a subscription during a billing period, the provider's terms will govern whether you still have access to the services for the remainder of the billing period.