BillKaro

Terms & Conditions

Effective 2026-07-13

These terms and conditions apply to the BillKaro app for mobile devices and web browsers, together with any related services operated by Pallav Burnwal (collectively, the "Application"). Pallav Burnwal is hereby referred to as the "Service Provider". By downloading or using the Application, you agree to these Terms and Conditions.

License to use the Application

Subject to your compliance with these Terms, the Service Provider grants you a limited, non-exclusive, non-transferable, revocable license to install and use the Application on a mobile device or computer for personal or internal business purposes. You may not reproduce, distribute, modify, create derivative works from, reverse engineer, decompile, or disassemble the Application, except as and only to the extent that such activity is expressly permitted by applicable law.

Intellectual property

The Service Provider retains all intellectual property rights in the Application, including its code, design, trademarks, service marks, trade names, logos, and branding. Nothing in these Terms grants you any license or right to use the Service Provider's trademarks, logos, or branding for any purpose.

Termination

The Service Provider may suspend your access to the Application if you materially breach these Terms and will provide written notice of the breach. Where the breach is capable of cure, you will have 14 days from receipt of notice to remedy it. If you fail to cure the breach within that period, the Service Provider may terminate your access.

The Service Provider may suspend or terminate your access immediately without notice if you violate applicable law, infringe intellectual property rights, or engage in activity that could cause harm to other users or the Service Provider. Upon termination, your right to use the Application ends and you must delete all copies from your devices.

By accessing and using this Application, you represent that you are legally permitted to use it in your jurisdiction and that you are at least 16 years of age. If you are below 16, a parent or legal guardian must review and accept these Terms on your behalf.

Acceptable use

If the Application allows users to post, share, or upload content, you agree not to post content that:

  • Is illegal or violates third-party intellectual property rights
  • Is abusive, threatening, harassing, defamatory, or hate speech
  • Contains discrimination or incitement to violence or illegal activity
  • Is spam, phishing, or contains malware
  • Violates the privacy or personal data rights of others
  • Is misleading, false, or deceptive
  • Contains explicit violence or sexual content

The Service Provider may remove or disable access to content that violates these guidelines, suspend or terminate accounts of users who repeatedly violate them, cooperate with law enforcement if illegal content is reported, and moderate, filter, or hide content that violates these Terms or applicable law. Report content or concerns to founder.eve.ai@gmail.com.

User-generated content licence

By submitting User-Generated Content you grant the Service Provider a non-exclusive, worldwide, royalty-free license to use, reproduce, distribute, prepare derivative works of, display and perform the content in connection with the Application and the Service Provider's business. This license does not grant the Service Provider the right to sell or sublicense your content to third parties independently of the Application.

Third-party services

Connectivity, device and account

Some functions of the Application require an active internet connection. The Service Provider is not responsible if the Application does not function at full capacity due to lack of connectivity or exhausted data allowance. Your mobile network provider's or ISP's agreement terms still apply, and you may incur charges for data usage. You are responsible for maintaining the security of your device and access to the Application.

Limitation of liability

To the fullest extent permitted by law, the Service Provider shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption, even if advised of the possibility of such damages. The Service Provider retains full liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, and any other liability that cannot be excluded or limited under applicable law.

The total liability of the Service Provider for any claim shall not exceed the amount paid by you in the 12 months preceding the claim, or the minimum amount required by applicable law, whichever is greater.

Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless the Service Provider, its affiliates, officers, directors, employees and agents from any claims, liabilities, damages, losses and expenses arising out of or directly related to your breach of these Terms or intentional misuse of the Application.

Artificial intelligence

The Application incorporates AI technologies to provide certain features. By using the Application, you acknowledge and agree that AI may be used to process data and deliver functionalities in accordance with this Agreement.

Governing law

These Terms are governed by the laws of the jurisdiction in which the Service Provider is established, excluding conflict of law rules, except to the extent mandatory consumer protection laws provide otherwise.

DSA compliance

If the Application qualifies as an intermediary service under the Digital Services Act (Regulation (EU) 2022/2065), the Service Provider maintains a point of contact at founder.eve.ai@gmail.com and complies with Articles 13, 16, 17, 21 and 24 of the DSA regarding representatives, notice-and-action, statements of reasons, out-of-court dispute settlement, and transparency reporting.

Severability & entire agreement

If any provision of these Terms is held invalid or unenforceable, it shall be modified to the minimum extent necessary to make it valid, and the remaining provisions shall remain in effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Service Provider.

Changes

The Service Provider may periodically update these Terms and will notify you of changes by posting the new Terms on this page. Previous versions will be made available upon request.

Contact us

Questions or suggestions? Contact the Service Provider at founder.eve.ai@gmail.com.