Privacy Policy & Terms

Last updated: 18 May 2026

Summary: We collect only what's needed to run your business ledger. We don't sell your data. You can delete your account and all data at any time.

1. Who We Are

ArthaNote ("we", "our", "the app") is a digital ledger product operated by Tulsi Groups, based in Tuticorin, Tamil Nadu, India. ArthaNote helps small businesses track daily sales, expenses, supplier payments, and generate business reports.

Contact: Use the in-app support option or reach us via the contact link below.

2. Data We Collect

2.1 Account Information

Email address (required for login)
Display name (optional, used as your profile name)
Google profile photo (only if you sign in with Google)

2.2 Business Data

Shop names, business type (e.g. grocery, tea shop)
Daily ledger entries: sales, expenses, payments (amounts, dates, descriptions)
Supplier names and payment records
Staff names and roles (added by you)
Finance / Chit Fund member names and payment history
GST rate preferences

2.3 Usage & Technical Data

Login timestamps
App crash logs (browser console only — not sent to us)
Device type / browser (not stored — used only for PWA compatibility)

3. How We Use Your Data

To provide the ledger and reporting features you use
To sync your data across devices using Firebase
To identify your account and restore data on new devices
To verify Pro subscription status

We do not use your data for advertising, profiling, or any purpose beyond operating ArthaNote for you.

4. Data Storage & Security

Your data is stored in Google Firebase Firestore (Google Cloud Platform, servers in Asia-South region). Firebase enforces:

Encryption at rest (AES-256)
Encryption in transit (TLS 1.3)
Authentication required to read or write your data

A local cache is stored in your browser's localStorage for offline use. This data stays on your device and is not shared.

5. Third-Party Services

Firebase Auth Google — user authentication
Firestore Google — cloud database
Razorpay Razorpay Payments Pvt. Ltd. — payment processing for Pro subscription
Google Fonts Google — typography (no personal data shared)

We do not use Facebook Pixel, Google Analytics, or any other tracking service.

6. Payments (Pro Plan)

Payments for the Pro plan (₹99/month) are processed by Razorpay. We do not store your card or UPI details. Razorpay's privacy policy applies to payment data: razorpay.com/privacy.

After a successful payment, we store only your Razorpay Payment ID and Pro expiry date in your account record to verify subscription status.

7. Your Rights

Access: You can view all your data inside the app at any time
Export: Use the CSV export feature in Reports to download your data
Correction: Edit any entry directly in the app
Deletion: Email us to delete your account and all associated data permanently. We will complete deletion within 7 business days.
Portability: Export your data as CSV at any time

8. Children

ArthaNote is intended for business use by adults (18+). We do not knowingly collect data from persons under 18.

9. Cookies & Local Storage

ArthaNote does not use cookies for tracking. We use browser localStorage only to cache your business data for offline access and to remember your preferences (language, GST settings). This data never leaves your device except when synced to Firebase.

10. Changes to This Policy

We may update this policy as the app evolves. The "Last updated" date at the top will reflect any changes. Continued use of ArthaNote after a policy update constitutes acceptance.

11. Contact

For privacy questions or data deletion requests, use the contact link in the app footer.

We aim to respond within 2 business days.

Last updated: 18 May 2026

Summary: Use ArthaNote for legal business purposes. Free plan is limited to 1 shop. Pro plan is ₹99/month, non-refundable. We're not liable for business losses. Tamil Nadu courts govern disputes.

1. Acceptance

By creating an account or using ArthaNote, you agree to these Terms of Service. If you do not agree, do not use the app.

These terms form a binding agreement between you and Tulsi Groups (operator of ArthaNote), governed by the laws of India.

2. Description of Service

ArthaNote is a Progressive Web App (PWA) that provides:

Digital ledger for daily sales, expenses, and payments
Supplier management and payment tracking
Staff management and QR attendance
Business reports and data export
OCR scanning of handwritten ledger pages (Pro)
Finance and Chit Fund management (Pro after trial)

3. Free Plan

The Free plan includes:

1 shop / business
Unlimited daily ledger transactions
Report history: last 30 days only
Supplier management (1 shop)
Staff accounts (1 shop)
Finance & Chit Fund module: free for the first 30 days

The Free plan is provided as-is without any service level guarantee.

4. Pro Plan

4.1 Pricing

Pro plan: ₹99 per month per account.

4.2 Pro Features

Unlimited shops
Full report history (no date limit)
OCR scan feature
CSV data export
Finance & Chit Fund module (continued access)

4.3 Payment

Payments are processed securely via Razorpay. Pro access is activated immediately upon successful payment and valid for 30 days from the payment date.

4.4 Renewal

Pro plans do not auto-renew. You must manually renew each month. You will receive an in-app reminder 3 days before expiry.

4.5 Refunds

All Pro plan payments are non-refundable. If you experience a technical issue preventing Pro features from working, contact us within 7 days and we will extend your subscription.

5. User Responsibilities

You agree to:

Provide accurate business information
Use ArthaNote only for lawful business purposes
Not share your account credentials with unauthorized persons
Not attempt to reverse-engineer, scrape, or abuse the service
Comply with Indian tax laws (GST, income tax) — ArthaNote is a record-keeping tool, not a tax advisory service

You are solely responsible for the accuracy of data you enter and for your tax compliance.

6. Prohibited Uses

ArthaNote must not be used to:

Record transactions for illegal goods or services
Commit tax fraud or financial misrepresentation
Harass, impersonate, or harm any person
Attempt to gain unauthorized access to other users' data

Violation of these terms will result in immediate account termination without refund.

7. Data Ownership

You own all business data you enter into ArthaNote. We do not claim any rights over your transaction records, supplier data, or any other business information.

By using the app, you grant us a limited license to store and process your data solely for the purpose of providing the service to you.

8. Service Availability

We aim to keep ArthaNote available, but we do not guarantee 100% uptime. The service may be unavailable due to maintenance, Firebase outages, or other factors outside our control.

ArthaNote works offline for data entry; syncing requires an internet connection.

9. Limitation of Liability

To the maximum extent permitted by Indian law:

ArthaNote is provided "as is" without warranty of any kind
We are not liable for any business loss, data loss, or financial damage arising from use of the app
Our total liability to you shall not exceed the amount you paid for the Pro plan in the preceding 3 months

10. Account Termination

You may delete your account at any time by contacting us. We will delete all your data within 7 business days.

We reserve the right to suspend or terminate accounts that violate these Terms, with or without notice.

11. Changes to Terms

We may update these Terms as the app evolves. The "Last updated" date reflects the most recent version. Continued use after an update constitutes acceptance of the new terms.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of the Republic of India, including the Information Technology Act, 2000 and applicable rules thereunder.

Any disputes arising from these Terms or your use of ArthaNote shall be subject to the exclusive jurisdiction of the courts in Tuticorin (Thoothukudi), Tamil Nadu, India.

13. Contact

For questions about these Terms, use the contact link in the app footer.

தமிழில் சுருக்கம்: ArthaNote-ஐ சட்டப்பூர்வமான தொழில் நோக்கங்களுக்கு மட்டும் பயன்படுத்துங்கள். இலவச திட்டம்: 1 கடை மட்டும். Pro திட்டம்: ₹99/மாதம், திரும்பப் பெற முடியாது. தகராறுகளுக்கு தூத்துக்குடி நீதிமன்றங்கள் பொருந்தும்.

Last updated: 7 June 2026

Your right to be forgotten: You can permanently delete your ArthaNote account and all associated data at any time — directly from within the app or by contacting us.

⚠️ Account deletion is permanent. All your transaction records, shop data, supplier records, and staff information will be deleted. This action cannot be undone.

Method 1 — Delete from Within the App (Recommended)

Follow these steps on the Android app:

1

Open the ArthaNote app and log in to your account

2

Tap the menu icon (☰) in the top right corner to open Settings

3

Scroll down and tap "Backup & Restore"

4

Scroll to the bottom of the Backup sheet and tap "Delete Account" (shown in red)

5

Type your business name in the confirmation field to confirm you want to delete

6

Tap "Permanently Delete" — your account and all data will be deleted immediately

Method 2 — Email Request

If you cannot access the app, send a deletion request email:

Email subject: Account Deletion Request — ArthaNote
Include: Your registered email address and business name
Send to: Contact us via the app footer link
Processing time: We will delete your account within 7 business days of receiving a valid request

What Data Gets Deleted

When you delete your account, we permanently remove:

All transaction records (sales, expenses, payments)
Shop configuration and business settings
Supplier records and payment history
Staff access records
Finance & Chit Fund data (if used)
Your login credentials (Firebase Auth account)

Local data cached on your device (in app storage) will also be cleared when you log out after deletion.

What We Cannot Delete

Payment transaction records held by Razorpay (governed by Razorpay's own data policies)
Anonymised aggregated statistics (no personal data retained)

Data Retention After Deletion

Once your deletion request is processed, your data is permanently removed from Firebase Firestore. Google Firebase may retain system logs for up to 30 days as part of their standard infrastructure operations — these logs contain no personally identifiable business data.

Questions? If you have any questions about account deletion, open the app and use the contact/support option in the app footer, or visit the Privacy Policy tab above for full data rights information.

Legal & Privacy