1. Agreement & who may use Wasoolo
These Terms & Conditions ("terms") are an agreement between you and Wasoolo ("Wasoolo", "we", "us"). They apply to the Wasoolo mobile apps (shopkeeper and customer side), the website wasoolo.com, and all related services (together, the "service").
By creating an account, downloading the app, or using the service, you agree to these terms. If you do not agree, please do not use Wasoolo.
- You must be 18 years or older, or have the legal capacity to enter a binding agreement in your country, to create an account.
- Wasoolo is a business tool made for shopkeepers and small businesses to keep khata (credit ledger) records. If you use it for a business, you confirm you are allowed to accept these terms for that business.
- The customer-side app is for people whose shopkeeper has recorded a khata for them and created (or invited) a login. The same terms apply to customer and guarantor users.
App-store EULA: where required, copies of the app downloaded from the Apple App Store are also licensed under Apple's standard Licensed Application End User License Agreement, and copies from Google Play are subject to the Google Play Terms of Service. If those standard terms conflict with these terms, these terms apply to the extent allowed.
2. The service — what Wasoolo is (and is not)
Wasoolo is a digital khata (record-keeping) app. It helps a shop record udhaar (credit), payments, installment (qist) plans, guarantors, products and stock, and share documents like invoices and statements. Customers can see their own ledger, chat with the shop, get reminders, and submit payment proof.
It is very important that you understand what Wasoolo is not:
- Wasoolo is not a bank and is not a lender. We do not give loans, credit, or financing of any kind.
- Wasoolo does not move money. We do not transmit, hold, collect, or settle payments. All payments happen directly between the shop and the customer, outside the app — the app only records them, and lets a customer submit a screenshot as proof.
- Ledger entries in Wasoolo are records made by users (the shopkeeper, their employees, or a customer's submission). They are not debt instruments issued by us, and an entry in the app does not by itself create, prove, or enforce a legal debt. Whether money is actually owed is a matter between the shop and the customer under the law that applies to them.
- We do not verify the accuracy of the amounts, names, or other details users enter.
- The app never calculates interest and never charges late fees. "Late" in the app is only a status label on an overdue installment. An installment plan may include a one-time markup set by the shopkeeper at creation — that is the shopkeeper's own pricing decision, not something Wasoolo computes or adds over time.
3. Your account
- Accurate information. Give true, current information (name, email, phone) when you sign up and keep it updated. Recovery and security features (like OTP emails) only work if your details are correct.
- Keep your credentials safe. You are responsible for keeping your password, PIN, two-factor codes, and login details secret, and for everything done under your account. Tell us at help@wasoolo.com right away if you think someone else has access.
- One owner per account. Each business account has one owner. The owner is responsible for the account and the business data in it.
- Employee and customer logins are the owner's responsibility. The owner creates employee logins (with permissions the owner chooses) and customer logins. The owner is responsible for who they give access to, for the permissions granted, and for the actions those users take within the access the owner gave them. Deactivate an employee login as soon as that person should no longer have access.
4. Acceptable use
Use Wasoolo honestly and lawfully. You must not:
- use the service for anything unlawful, fraudulent, or misleading — including recording fake debts or using the app to pressure people over money they do not owe;
- harass anyone through reminders, chat, WhatsApp sharing, or any other feature. When you contact customers about payments, you must follow the laws that apply to you (including any rules about debt-collection conduct, timing, and messaging consent). Reminders are a convenience tool, not permission to spam or threaten;
- use the app to disguise interest or late-fee abuse. The app never computes interest, and you must not misrepresent charges to customers;
- enter another person's information into the app unless you are lawfully allowed to (see section 5);
- reverse engineer, decompile, or copy the app or service, probe or bypass its security, scrape its data, or access it by any automated means we have not approved;
- resell, rent, or sublicense the service, or use it to build a competing service;
- upload malware, or content that is illegal, infringing, or abusive.
We may suspend or limit accounts that break these rules (see section 9).
5. Your content & your customers' data
- You own your data. The khatas, entries, customer records, photos, chats, and documents you create in Wasoolo belong to you (or to the people they are about). We claim no ownership of your content.
- Limited license to us. So that the service can work, you grant Wasoolo a limited, worldwide, non-exclusive license to host, store, back up, process, transmit, and display your content — only as needed to run, secure, and improve the service (for example: syncing your khata between your devices, showing a customer their own ledger, generating a PDF statement you asked for). This license ends when your content is deleted from the service, subject to normal backup cycles.
- Shopkeeper's promise about customer data. If you are a shopkeeper (or their employee), you warrant that you have the legal right to record the customer, guarantor, and ID information you enter, and that you will handle it lawfully. For those records, you are the party responsible for the data; Wasoolo processes it to provide the service to you. See our Privacy Policy for details.
- Disputes between shop and customer are between them. If a shop and a customer disagree about a balance, an entry, a delivery, or anything else, that dispute is between them. Wasoolo is not a party to it, does not verify ledger accuracy, and does not decide who is right. The in-app dispute feature only helps the two sides communicate and attach evidence.
6. Subscriptions & billing
Wasoolo offers shopkeeper plans named Free, Pro Lite, and Pro. The customer-side app is free. Current pricing and what each paid plan includes are shown inside the app and in the App Store / Google Play listing before you buy.
- Billing goes through Apple or Google. Paid plans are auto-renewing subscriptions bought through your Apple App Store or Google Play account. Wasoolo never sees or stores your card number — Apple or Google handles the payment.
- When you are charged. Payment is charged to your App Store / Google Play account when you confirm the purchase.
- Auto-renewal. Your subscription renews automatically for the same period unless you turn off auto-renew at least 24 hours before the end of the current period. Your store account is charged for the renewal within 24 hours before the current period ends.
- How to cancel. Manage or cancel your subscription any time in your store account settings: on iPhone, Settings → your Apple ID → Subscriptions; on Android, Google Play → Payments & subscriptions → Subscriptions. Deleting the app does not cancel a subscription. Cancelling stops the next renewal; you keep the paid features until the end of the period you already paid for.
- Price changes. Prices are shown in the store and in the app and may change. If a price change affects an existing subscription, Apple or Google will notify you as their rules require, and where required will ask for your consent before charging the new price.
- Refunds. Because billing is handled by Apple and Google, refunds are handled by them under their policies. Request Apple refunds at reportaproblem.apple.com and Google Play refunds through Play's order history / support. We cannot process card refunds ourselves.
- Downgrades never delete your data. If you cancel or move to a lower plan, your existing data stays. Plan limits only stop you from adding new items beyond the lower plan's caps; nothing you already saved is deleted because of a downgrade.
- Free trials (if offered). If a plan includes a free trial, any unused trial time is forfeited when you buy a subscription, and the subscription is charged when the trial ends unless you cancel at least 24 hours before it ends.
7. Free plan & changes to features
The Free plan is supported by advertising: on the Free plan the app may show non-personalized ads served by Google AdMob (how this works is described in the Privacy Policy, section 7a). Paid plans — and the customer No-Ads plan — remove ads.
The Free plan gives you core khata features at no charge. We may change what is included in the Free plan and in paid plans over time — for example adding features, moving a feature between plans, or adjusting limits — as the product develops. If a change materially reduces what a paid plan includes during a period you have already paid for, we will tell you and, where the law requires it, you may cancel. Downgrading a plan or changing plan limits never deletes data you already saved (limits only block adding new items).
Some plans have limits on how much history is kept. Any active retention limits are described in the app before they apply, and we will warn you before older records would be removed under a plan limit.
8. Backups & your responsibility to export
Wasoolo is offline-first and syncs your data to the cloud, and we take care to protect it. Even so, no service can promise data will never be lost. The app gives you tools to protect yourself:
- Backups — create a local backup file, or a complete backup including photos, from inside the app;
- Export — export your records to CSV/Excel and PDF at any time.
You are responsible for keeping your own backup copies of records that matter to your business, especially before deleting anything, deleting your account, or letting a subscription lapse. Trash is emptied automatically (trashed items are permanently purged after about 30 days), and account deletion is permanent.
9. Termination
- By you. You can stop using Wasoolo at any time, and you can permanently delete your account and its data from inside the app (More → Danger zone → Delete account) or by emailing help@wasoolo.com from your account email. Remember to cancel any subscription in your store settings separately — deleting the account or the app does not cancel a store subscription.
- By us. We may suspend or terminate your access if you seriously or repeatedly violate these terms, if we must do so by law, or if your use creates risk or harm to other users or the service. Where practical, we will give you notice and a chance to fix the problem first, and a chance to export your data — except where the violation is severe (for example fraud or abuse) or the law prevents notice.
- Sections that by their nature should survive (such as sections 5, 10, 11, 12, and 13) survive termination.
10. Disclaimers
We work hard to make Wasoolo reliable, but the service is provided "as is" and "as available". To the fullest extent allowed by law, we do not promise that the service will be error-free, uninterrupted, or always available, or that every sync, notification, reminder, or document will be delivered or generated without fault.
- Wasoolo is a record-keeping tool. It is not accounting, legal, tax, or financial advice. Balances, statements, reports, and reminders are generated from the data users entered — always verify your own records before acting on them, especially for legal or tax purposes.
- We are not responsible for the actions of shops, customers, guarantors, or employees using the app, or for whether debts recorded in the app are valid or get repaid.
Nothing in this section takes away warranties or guarantees that the law says cannot be excluded.
11. Limitation of liability
To the fullest extent allowed by law:
- Wasoolo's total liability to you for all claims arising out of or relating to the service or these terms is capped at the amounts you paid to Wasoolo (through the app stores) in the 12 months before the event giving rise to the claim — or, if you paid nothing in that period, a nominal amount to the extent the law permits a cap;
- we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, business, goodwill, or data, even if we were told such loss was possible;
- we are not liable for unpaid debts between shops and customers, or for disputes between users.
Important: nothing in these terms excludes or limits any liability that cannot be excluded or limited under the law that applies to you — including, where applicable, liability for fraud, or for death or personal injury caused by negligence. If you are a consumer, you keep all mandatory consumer rights under your local law.
12. Indemnity (business users)
If you use Wasoolo for a business, you agree to indemnify and hold Wasoolo harmless from third-party claims, losses, and reasonable legal costs arising from: (a) the customer, guarantor, or other personal data you entered without the right to do so; (b) your violation of these terms or of the law (including laws about contacting customers and collecting debts); or (c) disputes between your business and your customers, guarantors, or employees. This section does not apply to the extent a claim was caused by our own breach of these terms, and it does not apply to consumers where local law does not allow it.
13. Governing law
These terms are governed by the laws of Pakistan, and the courts of Pakistan have jurisdiction over disputes about them — except that if you are a consumer, you also keep the protection of any mandatory consumer-protection rules of the country where you live, and nothing in this section takes away your right to bring a claim in your local courts where the law gives you that right.
Before going to court, please contact us at help@wasoolo.com — most problems can be solved quickly by support.
14. Changes to these terms
We may update these terms from time to time — for example when we add features or when the law changes. When we make a material change, we will give you reasonable notice (for example in the app or by email) before the change takes effect, and we will update the effective date at the top of this page. If you keep using Wasoolo after the change takes effect, that means you accept the updated terms. If you do not agree, stop using the service and delete your account (and cancel any subscription in your store settings).
Questions about these terms? We are happy to help.
