Last updated: 7 November 2026
These Terms are an agreement between you and Bisro (company registration in India in progress) ("Bisro", "we", "us") for using the Bisro Android app, the Bisro web app at app.bisro.in, the bisro.in website and the customer khata link pages (together, the "Service"). Please read them with our Privacy Policy. By creating an account or using the Service, you agree to these Terms.
1. Who can use Bisro
You must be at least 18 and able to make a binding contract under the Indian Contract Act, 1872. The Service is for business use by shop owners and the people they allow to help them, not personal consumer use.
2. What Bisro is, and is not
Bisro is a record-keeping and billing tool. It helps you keep track of sales, stock, expenses, staff pay, and amounts owed to or by your customers and suppliers ("khata"). It includes Chinni, an AI assistant that helps you enter and find this information, and the Bisro Quick widget for quick home-screen entry.
Bisro is not:
- A payment service. We do not collect, hold or move money. A khata entry is a note you made, not a payment instruction, a guarantee, or a debt that we created or will enforce. The UPI QR shown is your own; money goes directly to your account.
- A lender or credit bureau. We do not give credit, judge anyone's creditworthiness, or report to credit bureaus.
- Accounting, tax or GST filing software. You remain responsible for the books and returns the law requires of you.
- A debt collector. Reminders are sent by you, from your own WhatsApp.
3. Your account
- Keep your password, Security PIN and backup password secret. Anyone who has them can act as you. Tell us at once if you think someone else has used your account.
- One account is for one shop. You are responsible for everything done in your account, including by helpers you let use your phone.
- A backup file you save yourself is opened only with the backup password you set. We cannot recover that password, and a backup file whose password is lost cannot be opened.
4. Your data and your Customers' data
- You own the records you enter. You give us permission to store and process them only to provide the Service to you, as the Privacy Policy explains. We keep them safe, and erase them when you delete your account.
- You are responsible for the accuracy of what you enter.
- You confirm that you have every right and consent required to enter a Customer's details and to contact them, for example by a WhatsApp reminder or by sharing their khata link.
- Customer khata link: you decide whether to share a customer's private link, and you may protect it with a 4-digit PIN or ask the customer to sign in with Google. Whoever has the link (and the PIN, if set) can view that statement, so share it only with that customer. You can reset a customer's link at any time to generate a new link and disconnect previous access. If a customer sends an "I paid" claim, that is only a notification for you to check your own bank account or SMS; Bisro does not process or confirm payments.
- Offline entries: when your phone is offline, entries you record (such as khata entries, bills, stock updates, cash entries, or suppliers) wait saved on your phone. An entry marked "Saved on phone" has not yet reached Bisro's servers. You are responsible for keeping your phone and the App safe until internet returns and the entries are sent.
- Home-screen widget: the Bisro Quick widget provides shortcuts on your phone's home screen to record the same entries. The same responsibilities and terms apply to entries made through the widget.
- You agree to compensate Bisro for any claim caused by your entering or using someone's data without the right to do so.
5. Deleting records
- Deleted khata entries, cashbook entries, staff payments and customers stay in the Recycle Bin for 30 days and can be restored during that time. Nobody, including you, can erase them by hand before then.
- After 30 days they are removed for good. For a deleted customer, only the final figures stay in the read-only Activity log. We cannot bring back anything removed after 30 days.
- You may delete a customer even while money is still due. The App will warn you and ask you to confirm with your PIN. The decision, and its effect on your business, is yours.
- You can delete your whole account from Settings. Deletion is scheduled after a 7-day recovery window. When you sign in during that window, the app asks whether to keep your account; choosing keep cancels the deletion. After the 7 days your shop's records are erased and cannot be brought back, so download anything you need first. See the Privacy Policy (section 6).
6. AI features
Chinni and voice input use third-party AI services (Privacy Policy §4) and are provided on a best-effort basis. They can misread names, items, numbers or amounts.
The App always shows an AI-prepared entry and saves it only after you confirm. Confirming means you checked it. Check every AI-prepared entry before you rely on it. Bisro is not liable for loss caused by an AI-prepared entry you confirmed.
7. Connected shops
If you connect with another Bisro shop, that shop will see the shared khata and the messages between you, as described in the App. Each shop is responsible for what it writes. Bisro does not decide disagreements between shops. If a message, photo or list sent to you breaks the rules in section 8, write to legal@bisro.in. We confirm we have received your complaint within 24 hours and resolve it within 15 days, and we may remove the content or close the account that sent it.
8. Fair use
You must not:
- use the Service for anything unlawful, to harass or cheat anyone, or to keep false records to deceive others;
- send unwanted or abusive messages through reminders, links or Messages;
- try to get into another shop's data, break or overload the Service, or get around its security;
- copy, resell or reverse-engineer the App except as the law allows.
9. Fees
The Service is free today. We may add paid plans later. If we do, prices will be shown clearly before you are charged, and a refund and cancellation policy will be published with them. Features that are free today will not silently start needing payment without notice.
10. Changes, suspension and ending
- We may change or stop features. For important changes we will tell you in the App first.
- We may suspend or close an account that breaks these Terms, is used for fraud or abuse, or where the law requires. Where reasonable, we will tell you why and give you a chance to respond.
- You can stop using the Service and delete your account at any time.
11. Our name and app
"Bisro", "Chinni", their logos, and the App's design and code belong to Bisro or its licensors.
12. Third-party services
The Service relies on other companies' services (Privacy Policy §4) and on your own phone, WhatsApp, Google and network provider. We are not responsible for their availability or actions, though we choose and set them up carefully.
13. No warranty
The Service is provided "as is" and "as available". We do not promise it will always be available, error-free or fully secure. Nothing here removes rights you have under Indian law that cannot be excluded, including under the Consumer Protection Act, 2019, where it applies.
14. Limit of liability
As far as the law allows, Bisro's total liability to you for anything arising from the Service is limited to what you paid us in the 12 months before the claim, or ₹5,000 if you paid nothing. We are not liable for indirect losses, such as lost profit, lost business or lost data, caused by device failure, lost passwords, network problems, entries you did not check, or records removed after 30 days in the Recycle Bin. Nothing here limits liability for fraud or anything the law does not allow us to limit.
15. Law and disputes
These Terms are governed by the laws of India. We will first try to settle any dispute by talking in good faith. If that fails, it will go to arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator seated in India, in English. Subject to this, the courts of India have jurisdiction. The city will be named here once the company is registered.
16. Changes to these Terms
We may update these Terms. For important changes we will tell you in the App before they take effect. Using the Service after that means you accept the new Terms.
17. Contact
Help in the App, or legal@bisro.in. Support: support@bisro.in.
If a translation of these Terms differs from the English text, the English text applies.