The deal, in plain words.
1. What Khaata is
Khaata is a ledger: an app and a website (khaata.net) where you write down expenses, split them with the people you choose, keep track of who owes whom (udhaar), and record when a debt was paid. It plans the fewest payments that settle a group and lets the receiver confirm each one. It also works as a customer khaata for a shop.
Khaata is a record of what you and the other members say happened. It is not a bank, a wallet, a payment service or an accountant.
2. Your account
- You need to be 13 or older and give us a real name and a phone number or email address you control.
- Keep your password to yourself. Everything done from your account is treated as done by you until you tell us otherwise.
- One person, one account. You may sign in on several devices.
- You can delete your account at any time from the app or at khaata.net/delete-account.
3. Acceptable use
Use Khaata for keeping accounts between people who know each other. Don't use it to:
- harass, threaten or defame anyone, including through reminders;
- add people to chapters or send them reminders when they have asked you not to;
- record debts that are illegal, or use the app for money-lending as a business without the licences that requires;
- attempt to access other people's chapters, or to probe, overload or reverse-engineer the service;
- upload anything other than receipts and payment proofs as attachments.
4. Payments happen in your UPI app, not ours
When Khaata shows “Pay ₹1,150 to Priya”, it opens your own UPI app with the amount and her UPI id filled in. The transfer is between you and your bank; Khaata does not see it, cannot verify it and is not a party to it. What Khaata records is your claim that you paid and the receiver's confirmation. If a payment goes to the wrong person or the wrong amount, that is between you, the receiver and your bank, tell us and we will help you straighten the ledger, but we cannot reverse a transfer.
5. Confirmations, holds and disputes
A settlement is a claim by the payer and a confirmation by the receiver. The receiver may confirm in full, confirm part of it, hold it, or dispute it. If the receiver does nothing for 24 hours the claim is marked received, and the receiver may still dispute it for 30 days. The owner of a chapter may resolve a dispute by reopening the debt or treating it as settled. These rules exist so that no balance changes silently; they are not a judgement about who is right.
6. No financial advice
Totals, trends and suggestions in Khaata (“you're ahead this month”, “settle with the fewest payments”) are arithmetic on what you entered. They are not financial, tax or legal advice, and the book is only as right as the entries in it.
7. Tokens and plans
- Writing entries, splitting, udhaar and settle-up are free on every plan and are never metered.
- AI reading of a receipt photo or a voice note costs one token. Every account receives 5 tokens on the first of each month; they expire at the end of that month.
- Token packs (10 for ₹ 29, 25 for ₹ 49, 100 for ₹ 149) never expire and are used after your monthly tokens. Plans (Pro ₹ 99/month, Dukaan ₹ 199/month) add monthly tokens, discount packs and unlock the features listed on the pricing page.
- A scan that fails to read anything is refunded automatically.
- Test mode today. During the beta, packs and plans can be switched on without payment so the flows can be tried. Before launch, purchases will be made through the App Store, Google Play or a payment gateway, and their refund rules will apply. Prices include applicable taxes unless the store says otherwise.
8. Your content
What you write and upload stays yours. You give us the permission needed to store it, back it up, show it to the members of the chapter it belongs to, and, only when you tap Scan, send a photo or voice note to an AI provider to read it. We claim no other rights. Our handling of personal data is described in the privacy policy.
9. Ending things
You can stop using Khaata and delete your account whenever you like. We may suspend or close an account that breaks section 3, after telling you why unless the law stops us. If we ever shut the service down we will give at least 60 days' notice and a way to export your book.
10. What we promise, and what we don't
We work to keep Khaata available, accurate and safe, but we provide it “as is”. To the extent the law allows, we are not liable for indirect losses, lost profits, or any disagreement between members of a chapter about what was paid; and our total liability to you for any claim is limited to the amount you paid us in the 12 months before it. Nothing in these terms limits liability that cannot be limited under Indian law, including for fraud or for death or personal injury caused by negligence.
11. Changes
We may update these terms. If a change matters we will show it in the app before it takes effect, and continuing to use Khaata after that means you accept it.
12. Governing law
These terms are governed by the laws of India. Disputes that cannot be settled by talking to us will be resolved in the courts of India.