Terms and Conditions

ShaadiBills is a wedding budget and expense management application operated by Mohinder Associates LLC (“we,” “us,” “our”), a Limited Liability Company registered in the State of Texas, United States.

Free Trial

Every new user receives 7 days of free access to ShaadiBills from the date of account creation. During the trial, you have full access to all features of the Service, including budget categories, expense tracking, payment ledgers, and reporting. No payment details are required to start the trial.

Post-Trial Read-Only Period

At the end of the 7-day free trial, your account will be locked to read-only mode. You will still be able to view data you have entered, but you will not be able to add, edit, or delete entries, or generate new reports, until you make a one-time payment.

If you do not make a payment within 30 calendar days after your free trial ends, your account and all associated data will be permanently deleted from our active systems.

Paid Access

To continue using ShaadiBills beyond the read-only period, you may make a one-time payment.

• Price: ₹599 (Indian Rupees), one-time payment per user per wedding
• Access period: 1 year (365 days) from the date of payment
• Scope: Each payment grants one user access to one wedding. To track a different wedding, a separate payment is required
• Billing currency: Indian Rupees (INR)
• Payment processor: Razorpay

The ₹599 fee is inclusive of applicable Goods and Services Tax (GST) where required. A tax invoice will be issued by email within 48 hours of successful payment.

What's Included

• Unlimited expense entries and payment records
• Unlimited budget categories
• Downloadable budget reports to share with family members
• Data backup and sync across your registered devices
• Email support

What's Not Included

• Live phone support
• Vendor booking, payment processing to vendors, or any financial advisory service
• Custom development or white-label licensing
• Any third-party services (SMS, WhatsApp reminders beyond standard limits, etc.) that may be added as paid add-ons in the future

Access Period

Your access period is 1 year (365 days) from the date of payment. The wedding date you enter in the app is for your own planning and reminder purposes only and does not affect the length of your access period. If your wedding is postponed, cancelled, or rescheduled, your access period remains unchanged. No refund is issued on cancellation or postponement of the event.

Account Purge

On the day your access period ends, your account, stored data, categories, expense records, payment records, reports, and associated files will be permanently deleted from our active systems. Backups containing this data will be purged within a further 90 days.

We will send email reminders 30 days, 15 days, and 3 days before the purge date. If you wish to retain a copy of your data, you must export it before the purge date. We are not obligated to restore purged data under any circumstances.

Renewal / Reactivation

This is a one-time payment, not an auto-renewing subscription. If you plan a second wedding event or wish to continue using the Service after the purge date, you may create a new account and make a fresh ₹599 payment. We reserve the right to introduce recurring payment options in the future. Any such change will be communicated in advance, and existing one-time ₹599 payments will not be converted to recurring charges without your separate, explicit consent.

Price Changes

We reserve the right to revise pricing for future subscribers at any time. Any price change will apply only to payments made after the effective date of the change. Your current access period will not be affected by price revisions.

Taxes

All prices are in Indian Rupees and are inclusive of applicable GST for Indian customers. If you are located outside India, you are responsible for any local taxes, duties, or levies that may apply.

These Terms and Conditions (“Terms”) govern your access to and use of the ShaadiBills web application, mobile applications, and related services (collectively, the “Service”) operated by Mohinder Associates LLC, a Texas Limited Liability Company with its principal place of business at 9722 Gaston Rd, Suite 150-97, Katy, TX 77494, USA (“Company,” “we,” “us,” “our”).

1. Acceptance of Terms

By clicking “I agree” (or equivalent), creating an account, making a payment, or otherwise using the Service, you acknowledge that you have read, understood, and agreed to be bound by these Terms, the Privacy Policy, and the Cancellation and Refund Policy. If you do not agree, do not create an account or use the Service.

2. Eligibility

You must be at least 18 years of age and legally competent to enter into a binding contract under the laws of your jurisdiction to use the Service. By using the Service, you represent that you meet these requirements.

3. Account Registration and Nominee

You agree to provide accurate, current, and complete information during registration and to keep that information updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@shaadibills.com if you suspect unauthorized access.

Each account is for one wedding. One user may have only one active wedding at a time.

Nominee: You may nominate another adult to exercise your rights regarding your account in the event of your death or incapacity, by emailing support@shaadibills.com with the nominee's name, relationship, and contact details. We will act on a nominee's instructions only upon receipt of reasonable documentation (death certificate, power of attorney, or equivalent).

4. Nature of the Service

ShaadiBills is a personal budgeting and expense-tracking tool. It allows users to record planned and actual expenses, organize them into categories, track payments, and export read-only reports to share with family members.

The Service does not:

• Process, transfer, or hold funds on behalf of users or vendors
• Provide financial, legal, tax, or investment advice
• Verify, endorse, recommend, or guarantee any vendor, service provider, or payment recipient
• Act as an escrow, payment gateway, or financial institution

All payment records entered into the Service are user-generated data for your personal tracking only. You are solely responsible for verifying the accuracy of amounts, due dates, vendor details, and actual payments made outside the Service.

No reliance. You acknowledge that you are not relying on any representation, statement, feature description, or projection made by the Service or by us as a basis for any financial, contractual, or other commitment. All decisions based on data in the Service are yours alone.

No vendor liability. Vendor names, contact details, and any other third-party information you enter or encounter in the Service are not recommendations, endorsements, or verifications by us. We do not screen, vet, or validate any vendor. Any disputes between you and a vendor are entirely between you and that vendor; we are not a party to and accept no liability for such disputes.

5. Free Trial, Read-Only Period, and Paid Access

New users receive 7 days of free access. After the trial, the account is locked to read-only for up to 30 days. If no payment is made within 30 days of trial expiry, the account and all data are permanently deleted. To continue using the Service, the user must make a one-time payment of ₹599, processed via Razorpay. Access continues for 1 year (365 days) from the date of payment. After this period, the account is permanently purged. Full pricing and access terms are set out in our Pricing section, which is incorporated into these Terms by reference.

6. Payment Terms

All payments are processed by Razorpay Software Private Limited. By making a payment, you additionally agree to Razorpay's terms and privacy policy. We do not store your card, UPI, or bank details on our servers; these are handled by Razorpay.

Payment confirmation is received from Razorpay. If a payment fails or is not credited to your account within 48 hours despite your bank/wallet being debited, contact us at support@shaadibills.com with your transaction reference.

7. Account Lifecycle

Your access period is 1 year (365 days) from the date of payment. The wedding date you enter in the app is for your own planning and reminder purposes only and does not affect the length of your access period. At the end of your access period, your account and all associated data are permanently purged from our active systems. We are not obligated to restore purged data, and it is your responsibility to export any data you wish to retain before the purge date.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law, including the Information Technology Act, 2000 and rules thereunder
• Upload, enter, or transmit any content that is obscene, defamatory, infringing, malicious, or that violates the rights of any third party
• Attempt to reverse-engineer, decompile, scrape, or extract the source code or underlying algorithms of the Service
• Share your account credentials, resell access, or use the Service to provide services to third parties as a paid intermediary
• Use automated means (bots, scrapers, crawlers) to access the Service
• Interfere with the security, integrity, or performance of the Service
• Impersonate another person or misrepresent your affiliation with any person or entity
• Upload any content that contains viruses, malware, or harmful code

9. User Content, Feedback, and Data Export

Your data. You retain ownership of the data you enter into the Service (categories, expenses, payments, vendor names, family names, notes). By using the Service, you grant us a limited, non-exclusive, royalty-free license to host, store, transmit, display, and process that data solely for the purpose of providing the Service to you, and a further perpetual, worldwide, royalty-free license to retain anonymized, aggregated, and de-identified data derived from your use of the Service for product improvement and analytics.

You are solely responsible for the accuracy and legality of the data you enter. We do not monitor, edit, or endorse user-entered content.

Feedback. Any suggestions, feedback, comments, ideas, or improvements you provide regarding the Service are non-confidential and become our property. You assign to us all rights in such feedback and waive any right to compensation or attribution.

Data export. Where we offer a data export feature, we provide exports in our standard format (CSV or PDF) as a courtesy. We do not guarantee that exports will be complete, machine-readable for any specific purpose, or retained in a form importable to any third-party system. You are responsible for verifying the completeness and usability of any export before your account purge date.

10. Reporting and Exports

The Service allows you to generate and export reports (PDF, WhatsApp) to family members or other recipients of your choosing. Our role is limited to technically generating and transmitting the report to the address or destination you specify. What happens to that report after we transmit it, including who the recipient shares it with, where they store it, how they use or misuse the information, whether they forward it, screenshot it, or disclose it to others, is entirely your responsibility and the responsibility of the recipient you choose to send it to.

You acknowledge and agree that:

• Anyone who receives or obtains a report may be able to view the data contained in it
• We have no control over, and take no responsibility for, how any recipient or downstream party uses, stores, shares, or protects the report
• You are solely responsible for deciding with whom to share reports, and for any consequences flowing from that decision
• We will not be liable for any misuse, loss, theft, disclosure, or unauthorized distribution of information contained in reports after they leave our systems

We strongly recommend sharing reports only with trusted family members.

11. Intellectual Property

All software, design, graphics, text, branding, logos, and content of the Service (excluding user-entered data) are owned by or licensed to Mohinder Associates LLC and are protected by copyright, trademark, and other applicable laws. Nothing in these Terms grants you any ownership right in the Service.

“ShaadiBills” and related marks are trademarks of Mohinder Associates LLC.

12. Modifications to the Service; No SLA

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We may add or remove features, and we may release updates that change the look and function of the Service. We will not be liable to you or any third party for any such modification, suspension, or discontinuation, except as set out in our Cancellation and Refund Policy.

No uptime commitment. We do not commit to any specific uptime, availability percentage, response time, or service level. Any availability statistics we may publish are for informational purposes only and do not create any obligation or warranty.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, OR UNINTERRUPTED OPERATION.

While we implement commercially reasonable security measures as described in our Privacy Policy, we do not and cannot guarantee absolute security, confidentiality, or integrity of your data. No method of electronic transmission or storage is 100% secure. We do not warrant that:

• The Service will be error-free, secure, or continuously available
• Your data will not be lost, corrupted, altered, or made inaccessible due to technical failures, hacking, unauthorized access, third-party service provider failures, force majeure events, or any other cause
• Any data entered into the Service is backed up in a form you can recover from us in all circumstances

You are solely responsible for:

• Maintaining your own records and backups of your wedding budget, expense data, and payment information outside the Service
• Exporting any data you wish to retain before your account's scheduled deletion or purge date
• Using a strong, unique password and keeping it confidential
• Keeping your email and device secure, as access to these may allow account recovery
• The sharing and use of reports you generate and export

You use the Service at your own risk, and you accept full responsibility for verifying any financial information the Service displays before acting on it.

14. Limitation of Liability and Release

To the maximum extent permitted by applicable law, Mohinder Associates LLC, its directors, members, managers, officers, employees, contractors, agents, and affiliates (collectively, “Released Parties”) shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to:

• Loss of profits, revenue, business opportunity, or goodwill
• Loss, theft, corruption, deletion, or unauthorized access of your data, whether caused by hacking, phishing, service-provider failure, technical malfunction, human error, or any other cause
• Cost of substitute services or data reconstruction
• Emotional distress or reputational harm
• Any consequence of financial decisions you make in reliance on data displayed by the Service
• Any misuse or unauthorized disclosure of reports after transmission from our systems

This applies whether the claim is based in contract, tort (including negligence), strict liability, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Liability cap. Our total aggregate liability to you for all claims of any kind arising out of or related to the Service shall not exceed the amount you have actually paid to us for the Service, and in no event more than ₹599 (Indian Rupees). For users who have only used the free trial and never paid, the total liability is zero.

Release. To the maximum extent permitted by law, you release and hold harmless the Released Parties from any claim, demand, loss, damage, or liability arising out of or related to: (a) loss, theft, corruption, or unauthorized disclosure of data stored in the Service; (b) the acts or omissions of any recipient of a share link or report; and (c) any financial decision you make in reliance on the Service, except to the extent such loss is caused by our gross negligence, willful misconduct, or a breach of our obligations under applicable data protection law.

Limits we cannot waive. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including our obligations under India's Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000; mandatory consumer-protection rights under the Consumer Protection Act, 2019 (for users in India); liability for death or personal injury caused by our negligence; or liability for fraud.

15. Indemnification

You agree to indemnify, defend, and hold harmless Mohinder Associates LLC and its affiliates from any claim, liability, damage, loss, or expense (including reasonable legal fees and costs) arising out of: (a) your breach of these Terms; (b) your misuse of the Service; (c) your violation of any law or any third-party right; (d) the data and content you enter into the Service; or (e) your transmission, sharing, or distribution of reports or any other output of the Service.

Defense control. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, in which case you agree to cooperate with our defense. You may not settle any matter without our prior written consent.

16. Termination

We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraud, or misused the Service in a way that could harm other users or the Service. In the event of termination for violation, no refund will be issued.

You may stop using the Service at any time. Closing your account does not entitle you to a refund. See our Cancellation and Refund Policy.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict-of-laws rules, except that mandatory consumer-protection provisions of the laws of India (including the Consumer Protection Act, 2019) shall apply to users ordinarily resident in India to the extent they cannot be contracted out of.

18. Dispute Resolution: Binding Arbitration, Jury Trial Waiver, Class Action Waiver, Limitation Period

18.1 Informal resolution first. Before filing any formal proceeding, you agree to first contact us at support@shaadibills.com and attempt in good faith to resolve the dispute informally. We will do the same. If the dispute is not resolved within 30 days of written notice, either party may proceed to arbitration as set out below.

18.2 Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or the relationship between you and us (a “Dispute”) shall be resolved exclusively by final and binding arbitration, not in court, except as expressly provided below.

• For users ordinarily resident in India: Arbitration shall be conducted under the Arbitration and Conciliation Act, 1996, by a sole arbitrator, seated in Delhi, India, in the English language. The arbitrator's decision shall be final and binding. Subject to arbitration, the courts at Delhi, India shall have exclusive jurisdiction for any matter not arbitrable.
• For users outside India: Arbitration shall be conducted in Fort Bend County, Texas, USA, under the rules of the American Arbitration Association (AAA), by a sole arbitrator, in the English language. Judgment on the award may be entered in any court having jurisdiction. Subject to arbitration, the state and federal courts located in Fort Bend County, Texas shall have exclusive jurisdiction for any matter not arbitrable.

18.5 Limitation period. Any claim arising out of or related to these Terms or the Service must be brought within one (1) year after the cause of action arises, or it is permanently barred, to the extent permitted by applicable law.

18.6 Attorney fees. Each party shall bear its own costs and attorney fees in any arbitration or court proceeding, regardless of outcome, except where a statute mandates otherwise or the arbitrator finds a claim was frivolous.

18.7 Exceptions. Notwithstanding the above: (a) either party may bring an individual action in a small-claims court for claims within that court's jurisdiction; (b) either party may seek injunctive or equitable relief from a court of competent jurisdiction to protect intellectual property rights or to prevent unauthorized use of the Service; and (c) nothing in this Section limits, restricts, or waives the right of any user ordinarily resident in India to file a complaint before a Consumer Dispute Redressal Forum or Commission under the Consumer Protection Act, 2019.

18.8 Severability of this Section. If the class-action waiver is found unenforceable in any proceeding, that proceeding shall be severed and proceed in court, while the remainder of this Section (including the arbitration agreement and jury waiver for individual claims) remains in force. If for any reason a claim proceeds in court rather than arbitration, the jury trial waiver in Section 18.3 shall still apply.

19. Grievance Officer (India)

In compliance with the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021:

Grievance Officer: D. Singh
Email: support@shaadibills.com
Postal address: 9722 Gaston Rd, Suite 150-97, Katy, TX 77494, USA
Response timeline: Acknowledgement within 24 hours; resolution within 15 days.

20. Changes to These Terms

We may revise these Terms at any time by posting an updated version on our website and updating the “Last updated” date. Material changes will be notified by email at least 15 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

21. Miscellaneous

• Entire agreement: These Terms, together with the Pricing, Privacy Policy, and Cancellation and Refund Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements.
• Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
• No waiver: Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment: You may not assign these Terms without our written consent. We may assign them to an affiliate or successor.
• Notices: We may send notices to the email address on your account. Notices to us must be sent to support@shaadibills.com with a copy to our postal address above.
• Force majeure: We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including internet outages, third-party service disruptions, natural disasters, pandemics, war, terrorism, labor disputes, or acts of government.
• Survival: Sections 9–18 and 21 survive termination of these Terms.
• English language: These Terms are provided in English. Any translation is for convenience only, and the English version prevails in case of conflict.

Mohinder Associates LLC (“we,” “us,” “our”) operates the ShaadiBills Service. This Privacy Policy explains what personal data we collect, why we collect it, how we use and protect it, and your rights. This Policy is intended to comply with India's Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, the California Consumer Privacy Act (CCPA), and other applicable laws.

1. Who We Are

Mohinder Associates LLC, a Limited Liability Company registered in the State of Texas, United States, with its principal place of business at 9722 Gaston Rd, Suite 150-97, Katy, TX 77494, USA, is the data fiduciary (under the DPDP Act) and data controller (under other applicable laws) for personal data collected through the Service.

Contact: support@shaadibills.com

2. Information We Collect

2.1 Information you provide:

• Account information: Name, email address, password (stored in hashed form), and optionally a phone number
• Wedding and family information: Family names (e.g., bride's and groom's family surnames), wedding date, venue, total wedding budget
• Expense data you enter: Category names, vendor names, expense amounts, due dates, payment records, notes, and any other data you choose to enter
• Payment information: When you subscribe, Razorpay collects your payment details directly. We receive only a transaction reference, payment status, amount, and a masked card/UPI identifier. We do not receive or store your full card number, CVV, UPI PIN, or bank credentials
• Support communications: Emails, messages, or information you share with us when you contact support

2.2 Information collected automatically:

• Device and log data: IP address, browser type and version, operating system, device identifiers, referring URL, pages viewed, timestamps, crash reports
• Cookies and similar technologies: See Section 7

2.3 Information we do not collect. We do not knowingly collect: government identifiers (Aadhaar, PAN, passport numbers), biometric data, precise geolocation (beyond approximate city inferred from IP), health data, or data about children under 18.

3. How We Use Your Information

We use personal data to:

• Create and manage your account, authenticate logins, and provide the Service
• Process payments through Razorpay and issue tax invoices
• Sync your data across your devices and generate reports you request
• Send transactional emails (trial expiry reminders, read-only-period reminders, payment receipts, password resets, account purge reminders)
• Provide customer support
• Detect, prevent, and respond to fraud, abuse, security incidents, and violations of our Terms
• Improve and maintain the Service, including debugging and analytics on aggregated usage patterns
• Comply with legal obligations, court orders, and lawful requests from authorities

We do not sell your personal data.

4. Legal Basis for Processing

For users in India (DPDP Act), we process personal data on the basis of your consent, provided when you create an account and use the Service, and for certain legitimate uses permitted under the Act, including fulfilling the Service and complying with law. You may withdraw consent at any time by closing your account; withdrawal does not affect processing already carried out.

For users in other jurisdictions, we rely on contract performance (to provide the Service), our legitimate interests (security, service improvement), your consent (for optional communications), and legal obligations, as applicable.

5. Sharing and Disclosure

We share personal data only as follows:

• Service providers (data processors): Hosting, database, email delivery, analytics, and payment processing partners who act on our instructions, including:
  • Supabase (database and authentication, hosted in AWS Mumbai ap-south-1 region)
  • Vercel (application hosting)
  • Razorpay (payment processing, KYC for payments)
  • Resend (transactional email)
• Legal and safety: When required by law, court order, or lawful government request; to enforce our Terms; to protect the rights, safety, or property of users, the public, or us
• Business transfers: In connection with a merger, acquisition, financing, or sale of assets, your data may be transferred to the acquiring entity, subject to this Privacy Policy or equivalent protections
• With your direction: When you generate and export a report, anyone who receives or obtains it may be able to view the shared data. We have no control over how recipients use or further share the data after transmission.

We do not sell, rent, or trade personal data to advertisers or data brokers.

6. International Data Transfers

Because we are a US-based company serving primarily Indian users, your personal data may be transferred to, stored, and processed in the United States, India, and other countries where our service providers operate. Where we transfer data from India, we do so in accordance with the DPDP Act and any restrictions issued by the Central Government of India on specific countries. We implement contractual and technical safeguards to protect data in transit.

7. Cookies and Similar Technologies

We use strictly-necessary cookies for login sessions and security. We may use analytics cookies to understand how the Service is used in aggregate. You can control cookies through your browser settings; disabling strictly-necessary cookies may prevent login. We do not use cookies for third-party advertising.

8. Data Security

We implement commercially reasonable technical and organizational measures to protect your personal data, including:

• Encryption in transit (HTTPS/TLS) for all data transmission
• Encryption at rest for sensitive fields
• Row-level security policies on our database
• Access controls and authentication for internal systems
• Logging, monitoring, and regular security reviews
• Regular backups for service continuity

However, no system or method of electronic transmission or storage is 100% secure. Despite the safeguards we apply, we cannot guarantee the absolute security, confidentiality, or integrity of your data. Data may be lost, altered, disclosed, or made inaccessible as a result of:

• Cyberattacks, hacking, phishing, or unauthorized access
• Third-party service provider failures or breaches (including our hosting, database, and email providers)
• Technical malfunctions, software bugs, or infrastructure failures
• Human error on our side or yours
• Force majeure events such as natural disasters, power failures, or internet outages
• Compromise of your own credentials, device, or email account

Your responsibilities: You are responsible for using a strong, unique password, keeping it confidential, securing your email and devices, exporting backups of critical data from the Service, and sharing downloadable reports only with trusted family members.

Our commitments required by law: As a data fiduciary under India's Digital Personal Data Protection Act, 2023, we remain legally bound to maintain reasonable security safeguards and to notify you and the Data Protection Board of India of any personal-data breach that is likely to result in risk to you, within the timelines required by law. Nothing in this Privacy Policy or in our Terms and Conditions limits those legal obligations.

Use at your own risk. Beyond our legal obligations and the safeguards described above, you use the Service at your own risk, and you accept that we cannot provide absolute guarantees regarding the safety of your data.

9. Data Retention and Account Lifecycle

ShaadiBills operates on a defined account lifecycle:

• Free trial (days 1–7): Full access; data retained while the account is active.
• Post-trial read-only period (up to 30 days): If no payment is made, the account is locked to read-only. Data is retained during this period. If no payment is made within 30 days of trial expiry, the account and all associated data are permanently deleted from active systems.
• Paid accounts: Data is retained for 1 year (365 days) from the date of payment.
• Automatic purge (paid accounts): On the day your access period ends, your account and all associated data (categories, expense records, payment records, vendor details, uploaded files) are permanently deleted from our active systems. Backups containing this data are purged within a further 90 days.
• Purge reminders: We send reminder emails at 30, 15, and 3 days before the purge date.
• Deleted-on-request accounts: When you request deletion, we remove your data within 30 days from our active systems. Backups are purged within a further 90 days.
• Legal retention: Transaction and tax records are retained separately for 8 years as required under Indian and US tax law, even after account purge. This retained data is limited to what is required for compliance (invoice, amount, date, payment reference).
• Anonymized data: Anonymized, aggregated, and de-identified data that does not identify you may be retained indefinitely for product improvement.

10. Your Rights

For users in India (DPDP Act): Right to access a summary of your data, right to correction and erasure, right to grievance redressal, right to nominate another person to exercise rights in case of your death or incapacity.

For users in California (CCPA): Right to know, right to delete, right to correct, right to opt out of sale/sharing (we do not sell or share personal information for cross-context behavioral advertising), right to non-discrimination.

For all users: You may at any time access and edit most personal data directly within the Service. To make a rights request, email support@shaadibills.com from the email address associated with your account. We will respond within 30 days (or 45 days where permitted).

11. Grievance Officer / Data Protection Contact

Under the Information Technology Act, 2000 and the DPDP Act, 2023:

Grievance Officer / DPO: D. Singh
Email: support@shaadibills.com
Address: 9722 Gaston Rd, Suite 150-97, Katy, TX 77494, USA

Complaints will be acknowledged within 24 hours and resolved within 15 days. If you are not satisfied with the resolution, you may approach the Data Protection Board of India under the DPDP Act.

12. Children

The Service is not directed to, or intended for use by, children under the age of 18. We do not knowingly collect personal data from children. If you believe a child has provided personal data to us, contact support@shaadibills.com and we will delete it.

13. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the privacy practices of those sites. Review their privacy policies before providing personal data.

14. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Material changes will be notified by email at least 15 days before they take effect, along with an updated “Last updated” date.

This Cancellation and Refund Policy applies to all paid access to ShaadiBills purchased through Mohinder Associates LLC (“we,” “us”).

1. Free Trial

Every user receives 7 days of free access. No payment is collected during the trial. If you do not wish to continue, simply stop using the Service. No cancellation action is required, and no charge will be made.

2. Post-Trial Read-Only Period

If you do not make a payment at the end of your trial, your account is automatically locked to read-only for up to 30 days. You remain free to walk away at any time during this period. No charge is made, and no cancellation action is required. If no payment is made within 30 days of trial expiry, your account and data are deleted.

3. One-Time Payment (Non-Refundable)

Once you make the one-time payment of ₹599 for 1 year of access, the payment is non-refundable. The 7-day free trial and the 30-day read-only period are provided specifically so that you can evaluate the Service in full before making any payment.

By completing payment, you acknowledge and agree that you have had adequate opportunity to test the Service and are satisfied that it meets your needs.

We do not offer refunds for:

• Change of mind or decision not to use the Service after payment
• Cancellation or postponement of your wedding or event
• Failure to use the Service during your access period
• Unmet personal expectations about features that are clearly described on our Pricing page or within the Service
• Loss of access due to your violation of our Terms and Conditions
• The automatic purge of your account at the end of your access period (this is clearly disclosed at time of purchase, and reminder emails are sent at 30, 15, and 3 days before purge)
• Loss of access to data that you could have exported before the purge date

4. If There's an Issue, Contact Us

If you believe there has been a billing error, a duplicate charge, an unauthorized transaction, or a service issue on our side, please contact us at support@shaadibills.com before initiating any chargeback with your bank. We review every request in good faith and resolve valid issues promptly.

5. Cancellation

You may stop using the Service at any time by logging out and discontinuing use. Because this is a one-time payment (not an auto-renewing charge), there is no recurring charge to cancel.

To close your account and have your data deleted before the scheduled purge, email support@shaadibills.com from your registered email address. Account closure does not entitle you to any refund of the paid amount, whether pro-rated or otherwise.

6. Limited Exceptions: When We Will Review a Refund

Notwithstanding Section 3, we will review and, where valid in our reasonable judgment, process refunds in the following limited circumstances:

6.1 Duplicate or erroneous payment. If you are charged more than once for the same purchase, or if an amount different from the stated ₹599 is charged due to a payment-system error, we will refund the excess amount in full.

6.2 Failed transaction with deduction. If your bank or wallet is debited but the payment is not credited to your ShaadiBills account within 48 hours, contact us immediately. In most cases, Razorpay will auto-reverse the amount within 5–7 business days. If the reversal does not occur, we will coordinate with Razorpay to issue a refund.

6.3 Service unavailability on our side. If the Service becomes permanently unavailable due to our decision to shut it down within your paid access period, we will issue a pro-rated refund for the unused portion of the period between the shutdown date and the end of your access period. Temporary outages, scheduled maintenance, or service issues caused by factors outside our reasonable control (including internet outages, third-party service disruptions, force majeure events) do not qualify for a refund.

6.4 Unauthorized transaction. If a transaction was made from your payment method without your authorization, contact us and your bank immediately. Refunds in this case are subject to investigation and confirmation with Razorpay and your card issuer.

7. How to Request a Refund (for Eligible Cases)

Email support@shaadibills.com within 7 days of the transaction with:

• Your registered email address
• Razorpay transaction ID / payment reference
• Amount charged and date
• Reason for the refund request and any supporting information (bank statement screenshot, error message, etc.)

We will acknowledge your request within 2 business days and respond with a decision within 7 business days. Refund requests submitted more than 7 days after the transaction may be declined.

8. Refund Processing Time

Approved refunds will be initiated within 5 business days of approval and credited back to the original payment method used. Depending on your bank or card issuer, the amount may take a further 5 to 10 business days to reflect in your account. We will share the Razorpay refund reference once processed.

Refunds are issued only to the original payment method. We cannot refund to a different card, account, or wallet.

9. Chargebacks

We discourage initiating a chargeback or payment dispute with your bank before contacting us at support@shaadibills.com. If you believe a charge is incorrect, email us first. We are committed to resolving valid issues promptly.

Fraudulent chargebacks (where a user receives a refund from the bank despite having used the Service) may result in account termination and may be referred for legal action.

10. Taxes and Fees

Where a refund is issued, any GST or other taxes originally charged will be refunded along with the principal amount, in accordance with applicable tax law. Payment processing fees charged by Razorpay are generally non-refundable and may be deducted from the refund if permitted by the processor's terms.

11. Changes to This Policy

We may update this Policy from time to time. Any revisions will apply only to transactions made after the “Last updated” date. Transactions made before the update remain governed by the version in effect at the time of payment.

12. Contact

Support, refunds, and billing: support@shaadibills.com
Company: Mohinder Associates LLC
Address: 9722 Gaston Rd, Suite 150-97, Katy, TX 77494, USA

Response timeline: Acknowledgement within 2 business days; decision within 7 business days.