ব্যবহারের শর্তাবলিTerms of use

1. Who we are

Sohoj Apps (sohojapps.com) is a small software business run as a sole proprietorship in Bangladesh. It makes everyday apps such as Takakori (টাকাকড়ি). "We" and "us" mean Sohoj Apps. Contact: [email protected].

2. What the apps are — and are not

• Our apps help you record and understand your own money. They never hold, move or send your money, and they are not a bank, mobile financial service, payment service, lender or investment service.
• Reports, summaries, calculators (such as the EMI calculator) and suggestions are for your information only. They are not accounting, tax, legal or financial advice. Check important figures before relying on them.
• When an app reads a message you paste or share, or an SMS you allow it to read, it only suggests an entry. You decide what to save.

3. Your account and your data

• You can use the apps without an account. To buy a paid plan you sign in with Google so we can link the plan to you.
• You own everything you enter. Your records stay on your device and, if you choose, in your own Google Drive or OneDrive. We do not store your records on our servers (see the privacy policy).
• Because your records are on your device, you are responsible for keeping your phone secure and keeping backups. If you lose your phone or clear the app's data without a backup, we cannot recover it.
• Keep your sign-in secure. Tell us at [email protected] if you think someone else is using your account.

4. Plans, prices and payment

• Free costs nothing. Pro and Pro Plus are paid monthly or yearly. Current prices and what each plan includes are on each app's page (for example Takakori).
• Prices are in Bangladeshi taka and are the full amount you pay — there are no extra charges or fees on top. Payment is made in advance through bKash, either through bKash checkout in the app or on sohojapps.com, or by bKash Make Payment to our merchant number with the transaction ID entered in the app. A plan bought by Make Payment turns on once we have matched the transaction ID, normally within one working day.
• No automatic renewal. Each payment covers one month or one year. Your plan ends at the end of that period unless you pay again. The app shows the date your plan ends.
• A plan starts when the payment is confirmed. If you pay again before your plan ends, the new period starts where the old one ends.
• Founding members (people who start using the app before its official launch) get a lower founding price. It stays as long as you keep renewing without a gap of more than 30 days.
• We may change prices for future periods. A change never affects a period you have already paid for, and we will announce it in the app at least 30 days before it applies to you.
• Every completed payment gets an invoice number (for example TK-20261112-AB12CD) and the bKash transaction ID, shown on the app's plan page. Keep them for any question about a payment. If you need a receipt in a particular name, email us.
• New users may get a free trial. When it ends, the app moves to the Free plan; you are not charged.

5. When a plan ends

When a paid plan ends, the app keeps working on the Free plan. Your records are not deleted or locked: features beyond Free stop, but you can always view, export and back up everything you entered. Refunds are covered by the refund policy.

6. Fair use

Please do not: break the law using the apps; try to get into other people's accounts or our systems; copy, resell or reverse-engineer the apps to make a competing product; bypass plan limits or payment; or overload our services. We may suspend paid features for accounts that do so. Your records on your own device remain yours.

7. Changes and availability

• We improve the apps often. Features may be added, changed or moved between plans, but we will not remove a main feature you have paid for during a paid period.
• We aim to keep the apps and website running but cannot promise they will always be available or free of errors.
• If we ever stop offering a paid app, we will give at least 60 days' notice, refund any unused part of a paid period, and make sure you can export your records.
• We may update these terms. If a change matters, we will show it in the app and update the date above.

8. Responsibility

• The apps are provided "as is". We take care to make them accurate and reliable, but we are not responsible for losses caused by relying on the apps' figures, by lost devices or missing backups, or by services outside our control (such as bKash, Google, Microsoft or your phone).
• To the extent the law allows, our total responsibility to you for any claim is limited to the amount you paid us in the 12 months before it.
• Nothing in these terms takes away rights you have under the laws of Bangladesh, including consumer rights.

9. Law and disputes

These terms are governed by the laws of Bangladesh. Please contact us first at [email protected]; we will try to resolve any problem within 7 working days. If that does not work, the courts of Dhaka, Bangladesh, have jurisdiction.