Terms of Service

These Terms of Service ("Terms") are an agreement between you and KarbarX ("KarbarX", "we", "us") for the use of the KarbarX website, web application, mobile apps, phone line and related services (together, the "Service"). By creating an account or using the Service you agree to these Terms. If you sign up for a business, you confirm that you are allowed to accept these Terms for that business.

1. The Service and your account

• KarbarX is business software for shops and businesses in Bangladesh: sales, stock, purchases, accounts, staff, collections and related tools. Each business has its own private space (a "Workspace").
• The person who creates a Workspace is its owner. The owner decides who joins, what each staff member may see and do, and which features are switched on, and is responsible for the actions of the people they let in.
• Keep your password, key file and authenticator safe. Tell us at once if you think someone else has used your account. You are responsible for activity under your login until you tell us.
• You must give correct business and contact details and keep them up to date.

2. Free trial and subscription

• New Workspaces get a 7-day free trial unless an offer says otherwise. No card or payment is needed for the trial.
• After the trial, the Service is provided for the plan and period you pay for (monthly or yearly). Plan limits — such as number of users, showrooms, invoices, SMS or AI questions — are shown on the pricing page and in your account.
• Subscriptions are paid in advance by bKash, bank transfer or cash, as shown on the payment page. A period starts when your payment is confirmed. Subscriptions do not renew by themselves; we remind you before your period ends.
• If a period ends without payment, access to the Workspace may be limited until it is renewed. We keep the data of an unpaid Workspace for at least 30 days after access ends and tell the owner before deleting it.
• Refunds are covered by our Refund Policy.

3. Fees, usage charges and taxes

• Prices are in Bangladeshi Taka (BDT). Any VAT or tax required by law is added where it applies.
• Some features cost money per use — for example SMS, automatic or staff phone call minutes, or AI use above your plan. These are charged at the rates shown to you before you switch the feature on.
• We may change prices for future periods. We will tell Workspace owners at least 30 days before a price increase takes effect; the current paid period is never repriced.

4. Your data

• You own your business data — products, invoices, customers, accounts, staff records and everything else you enter. We use it only to provide the Service to you, as explained in our Privacy Policy.
• You give us permission to store, process, back up and transmit your data as needed to run the Service and the features you turn on (for example, sending an SMS, placing a call, or answering an AI question).
• You can export your data at any time. When a Workspace is closed, we delete it as described in the Privacy Policy, except records we must keep by law.
• You are responsible for having the right to enter the personal details of your customers, staff and suppliers into the Service, and for using them lawfully.

5. Acceptable use

You agree not to:

• use the Service for anything illegal in Bangladesh, including fraud, tax evasion or keeping false books;
• send spam, threatening or abusive messages or calls, or contact people who have no business relationship with you;
• upload viruses or harmful files, or try to break, overload, scan or reverse-engineer the Service;
• try to see another Workspace's data or get around plan limits, permissions or security controls;
• resell or rent the Service to others without our written permission.

6. Phone calls, SMS and WhatsApp

• Automatic calls, SMS and reminders are sent on your instruction and in your business's name. Use them only for your own customers, staff, drivers and suppliers, for genuine business reasons such as dues, deliveries, repairs and instalments.
• Respect people's wishes: a customer who presses the "stop calls" key, or asks you to stop, must not be called automatically again. The Service records this for you.
• You are responsible for the wording of your messages and for following the rules of the Bangladesh Telecommunication Regulatory Commission (BTRC) and any other law that applies to calls and messages.
• Calls and SMS depend on telephone networks and providers outside our control. A message or call can be delayed or fail; do not rely on it alone for anything urgent.
• WhatsApp reminders open WhatsApp on your own device; WhatsApp's own terms apply to them.

7. Scores, suggestions, AI and prayer times

• The business health score, customer score, recommendations, forecasts and "can I afford this" checks are calculated from the figures in your books. They are tools to help you decide, not financial, tax, legal or accounting advice. They can only be as correct as the data entered. Check them before acting.
• The AI assistant and voice features can misunderstand a question or a spoken word. KarbarX checks AI answers against your figures, but you should confirm important numbers in the reports before relying on them.
• One-tap actions (for example changing a price or recording an expense) change your books only when you confirm them, and you remain responsible for those changes.
• Prayer times are calculated for your location by a standard method. Small differences from your local mosque are normal; follow your mosque or a trusted authority where they differ. Quran text and translations come from the published sources credited in the reader and are shown unaltered.

8. Availability and support

• We work to keep the Service available every day and to fix problems quickly. Planned maintenance is done at quiet hours where possible and announced on the status page or in the app.
• We may improve, change or retire features. If we remove a major paid feature, we will tell Workspace owners in advance and offer a fair solution, such as a partial refund for the unused paid period.
• Support is given by email, phone or WhatsApp during working hours, in Bangla and English.

9. Suspension and closing an account

• You can stop using the Service at any time and ask us to close your Workspace.
• We may suspend or limit an account if payment is overdue, if these Terms are seriously broken, if the account is used to harm others, or if the law requires it. Where possible we warn you first and give you a chance to fix the problem and export your data.

10. Ownership of the software

The KarbarX software, design, name and logo belong to KarbarX. Your subscription gives you a right to use the Service for your business while it is active; it does not transfer ownership of the software. Suggestions you send us may be used to improve the Service without any obligation to you.

11. Third-party services

Some features use other companies' services — for example Google (Calendar, Gemini AI), speech and telephone carriers, SMS gateways, bKash and banks. Their own terms apply to their services, and we are not responsible for their outages or actions. Connecting such a service is optional.

12. Limitation of liability

• The Service is provided "as is" and "as available". We do our best, but we do not promise it will be free of errors or interruptions.
• To the extent the law allows, KarbarX is not liable for indirect or consequential losses such as lost profit, lost sales or lost goodwill, or for losses caused by incorrect data entered into the Service, by decisions you take, or by third-party services.
• Our total liability for any claim is limited to the amount you paid us for the Service in the 12 months before the claim.
• Nothing in these Terms removes rights you have under Bangladeshi law that cannot be removed by agreement.

13. Your responsibility to us

If someone makes a claim against KarbarX because of the data you entered, the messages or calls you sent through the Service, or your breach of these Terms or the law, you agree to cover the reasonable cost of that claim.

14. Changes to the Service or these Terms

We may update these Terms. We will change the date at the top and, for important changes, tell Workspace owners by email, SMS or inside the app at least 15 days before they apply. Continuing to use the Service after that means you accept the new Terms.

15. Governing law and disputes

These Terms are governed by the laws of the People's Republic of Bangladesh. We will first try to settle any disagreement by talking with you. If that fails, the courts of Dhaka, Bangladesh have jurisdiction.

16. Contact

Questions about these Terms: see our Contact page or email karbarxtechnologies@gmail.com.