Policies and Terms

Simply Vyapar Apps Private Limited – Terms and Privacy Policy

  • We are dedicated to safeguarding your privacy. This privacy statement provides a more comprehensive explanation of the privacy practices of Simply Vyapar Apps Private Limited, the company behind the app.
  • App Name: Billing App GST Invoice Maker ( Also known as “Vyapar” )
  • Developer Name: Invoicing, Billing, Inventory, GST, Accounting App
  • Registered Name: Simply Vyapar Apps Private limited, Vyapar Apps, Vyapar software, Vyapar
    • Website Privacy policy:
    • This is Vyapar Website’s online privacy policy. This policy applies only to activities Vyapar engages in on its website and does not apply to Simply Vyapar Apps Private Limited activities that are “offline” or unrelated to the website.
    • We collect certain anonymous data regarding the usage of the website. This information does not personally identify users, by itself or in combination with other information, and is gathered to improve the performance of the website. The anonymous data collected by the (Website) website can include information such as the type of browser you are using, and the length of the visit to the website. You may also be asked to provide personally identifiable information on the (Website) website, which may include your name, address, telephone number and e-mail address. This information can be gathered when feedback or e-mails are sent to (Website), when you register for services, or make purchases via the website. In all such cases you have the option of providing us with personally identifiable information.
      1. USE AND DISCLOSURE OF INFORMATION. Except as otherwise stated below, we do not sell, trade or rent your personally identifiable information collected on the site to others. The information collected by our site is used to process orders, to keep you informed about your order status, to notify you of products or special offers that may be of interest to you, and for statistical purposes for improving our site. We will disclose your Delivery information to third parties for order tracking purposes or process your check or money order, as appropriate, fill your order, improve the functionality of our site, perform statistical and data analyses, deliver your order and deliver promotional emails to you from us. For example, we must release your mailing address information to the delivery service to deliver products that you ordered.

      2. All credit/debit cards’ details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties
      COOKIES. Cookies are small bits of data cached in a user’s browser. This website utilizes cookies to determine whether or not you have visited the home page in the past. However, no other user information is gathered.
      This website may use non-personal “aggregated data” to enhance the operation of our website or analyze interest in the areas of our website. Additionally, if you provide (Website) with content for publishing or feedback, we may publish your user name or other identifying data with your permission.
      This website may also disclose personally identifiable information in order to respond to a subpoena, court order or other such request. The Website may also provide such personally identifiable information in response to a law enforcement agencies request or as otherwise required by law. Your personally identifiable information may be provided to a party if the website files for bankruptcy, or there is a transfer of the assets or ownership of this Website in connection with proposed or consummated corporate reorganizations, such as mergers or acquisitions.

      3. SECURITY. This websiteWebsite takes appropriate steps to ensure data privacy and security including through various hardware and software methodologies. However, this Website cannot guarantee the security of any information that is disclosed online.

      4. OTHER WEBSITES. This Website is not responsible for the privacy policies of websites to which it links. If you provide any information to such third parties different rules regarding the collection and use of your personal information may apply. We strongly suggest you review such third party’s privacy policies before providing any data to them. We are not responsible for the policies or practices of third parties. Please be aware that our sites may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of those Web sites linked to our site are not covered by this Policy. These other sites may send their own cookies or clear GIFs to users, collect data or solicit personally identifiable information. We cannot control this collection of information. You should contact these entities directly if you have any questions about their use of the information that they collect.
      MINORS. This Website does not knowingly collect personal information from minors under the age of 18. Minors are not permitted to use this website or services, and the Website requests that minors under the age of 18 not submit any personal information to the website. Since information regarding minors under the age of 18 is not collected, the Website does not knowingly distribute personal information regarding minors under the age of 18.
      CORRECTIONS AND UPDATES. If you wish to modify or update any information Website has received, please contact Customer Support team

      5. MODIFICATIONS OF THE PRIVACY POLICY. The Website Policies and Terms & Conditions would be changed or updated occasionally to meet the requirements and standards. Therefore the Customers’ are encouraged to frequently visit these sections in order to be updated about the changes on the website. Modifications will be effective on the day they are posted”.

    • Terms and Conditions
    • SIMPLY VYAPAR APPS PRIVATE LIMITED aka VYAPAR aka VYAPAR APPS maintains this Website. The following are the terms of use that govern use of the Site (“Terms of Use”). By using the Site you expressly agree to be bound by these Terms of Use and the (Website) privacy policy and to follow these Terms of Use and all applicable laws and regulations governing use of the Site. Vyapar reserves the right to change these Terms of Use at any time, effective immediately upon posting on the Site. Please check this page of the Site periodically. We will note when there are updates to the Terms of Use at the bottom of the Terms of Use. If you violate these Terms of Use,Vyapar may terminate your use of the Site, bar you from future use of the Site, and/or take appropriate legal action against you.
      LIMITED LICENSE. You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Site pursuant to the requirements and restrictions of these Terms of Use.
      Vyapar may change, suspend, or discontinue any aspect of the Site at any time.

      Vyapar may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Site. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the Site. Except as provided in the Terms of Use, you shall have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve, or create any new or derivative works from, or display, distribute, perform, or in any way exploit the Site, or any of its contents (including software) in whole or in part.

      1. SITE OPERATION: United Arab Emirates is our Country of Domicile. Vyapar controls this Site from the U.A.E.

      Vyapar Apps makes no representation that this Site is appropriate for use in other locations. If you use this Site from other locations you are responsible for ensuring compliance with local laws. You may not use, export or re-export any materials from this Site in violation of any applicable laws or regulations, including, but not limited to any U.A.E export laws and regulations.

      2. APPLICABLE LAW. The Laws of the United Arab Emirates shall govern the use of the Site and the Terms of Use, without regards to conflict of laws principles. All disputes arising in connection therewith shall be heard only by a court of competent jurisdiction in U.A.E.

      3. MULTI-CURRENCY PRICED TRANSACTION, the displayed price and currency selected by you, will be the same price and currency charged to the Card and printed on the Transaction Receipt.

      4. PURCHASES. Vyapar accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services. All online purchases are also governed by the terms and conditions of respective merchant service providers. Please review the respective merchant service provider’s user agreement and privacy policy before entering any transaction. Interpretation. These Terms of Use supersede all other written and oral communications or agreements with regard to the subject matters discussed in these Terms of Use. A waiver or modification of these Terms of Use will only be effective if made in writing signed by an authorized officer of Vyapar.
      All refunds will be made onto the original mode of payment.

      5. OFFICE FOREIGN ASSETS CONTROL (OFAC) SANCTIONED COUNTRIES. Vyapar Apps will not trade with or provide any services to individuals and companies owned or controlled by, or acting for or on behalf of, OFAC targeted countries AND individuals, groups, and entities, such as terrorists and narcotics traffickers designated under the OFAC programs that are not country specific

      6. REPRESENTATIONS BY YOU. By visiting the Site, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that all materials of any kind submitted by you to (COMPANY NAME) through the Site or for inclusion on the Site will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights. The customer using the website who is Minor /under the age of 18 shall not register as a User of the website and shall not transact on or use the website.

      7. PERMITTED USE. You agree that you are only authorized to visit, view and to retain a copy of pages of this Site for your own personal use, that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Site for any purpose other than for personal use, unless otherwise specifically authorized by (COMPANY NAME) to do so. You also agree not to deep-link to the site for any purpose, unless specifically authorized by (COMPANY NAME) to do so. The content and software on this Site is the property of (COMPANY NAME). The cardholder must retain a copy of transaction records and Merchant policies and rules.

      8. YOUR ACCOUNT. If you use Vyapar Apps Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account from any devices, and you agree to accept responsibility for all activities that occur under your account or password. The Site shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.

      NO COMMERCIAL USE. This Site may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind. You must obtain Vyapar’s prior written consent to make commercial offers of any kind on the Site, whether by advertising, solicitations, links, or any other form of communication. Vyapar Apps will investigate and take appropriate legal action against anyone who violates this provision, including without limitation, removing the offending communication from the Site and barring such violators from use of the Site.

      LINKS AND SEARCH RESULTS. The Site may automatically produce search results that reference and/or link to third party sites throughout the World Wide Web. Vyapar has no control over these sites or the content within them. Vyapar does not guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. Vyapar does not endorse the content of any third party site, nor does it make any representation or warranty about these sites, including that they will not contain viruses or otherwise impact your computer. By using the Site to search for or link to another site, you agree and understand that you may not make any claim against Vyapar for any damages or losses, whatsoever, resulting from your use of the Site to obtain search results or to link to another site. If you have a problem with a link from the Site, you may notify us at help@vyaparapp.in.

      COPYRIGHT POLICY. Vyapar may terminate the privileges of any user who uses this Site to unlawfully transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to this Site, you warrant that the information does not infringe the copyrights or other rights of third parties.

      INTELLECTUAL PROPERTY. Although Vyapar is not responsible for the content, quality or accuracy of data provided by users, compilations of such data, text, information and other materials made available to users through Vyapar App’s system. The On-line Materials are Vyapar’s intellectual property, and are protected by U.S. and international intellectual property laws. The On-line Materials may not be copied or redistributed either in whole or in part without prior written consent of Vyapar Apps, except as expressly and specifically permitted under these Terms of Use.

      The On-line Materials are and will remain the exclusive property of Vyapar Apps. All rights, titles and interests in and to the On-line Materials will be and remain vested solely in Vyapar Apps. Under no circumstances will you have any right, directly or indirectly, to own, use, copy, loan, sell, rent, lease, license, sublicense, redistribute, assign or otherwise convey the On- line Materials, or any rights thereto, except as expressly and specifically provided in the Terms of Use. Nothing in these Terms of Use will convey to you any right, title or interest, except that of a license with the express rights and subject to all limitations herein. Nothing in these Terms of Use grants you the right, directly or indirectly, to use the On-line Materials to create a product for resale or to use the On-line Materials in any way that competes with Vyapar Apps.


      VIOLATION OF TERMS OF USE. You understand and agree that in Vyapar Apps’s sole discretion, and without prior notice, Vyapar may terminate your access to the Site, or exercise any other remedy available and remove any unauthorized user information, if Vyapar believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of Vyapar, or any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to Vyapar for violations of these Terms of Use and you consent to injunctive or other equitable relief for such violations.Vyapar Apps may release user information about you if required by law or subpoena.

      INDEMNITY. You agree to indemnify and hold Vyapar Apps, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of or relating to your use of the Site, including also your use of the Site to provide a link to another site or to upload content or other information to the Site, or your breach of the Terms of Use.

      LICENSE GRANTED TO YOU. By providing materials to Vyapar Apps, including by submitting or uploading content or materials for use on the Site you represent and warrant that you or the owner of all rights to such content or materials has expressly granted Vyapar an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part of the content and materials provided by you. Vyapar may publish and distribute any such submitted content or materials at its sole discretion by any method now existing or later developed. You agree that you shall waive all claims and have no recourse against Vyapar for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content or material submitted to Vyapar. Any communication or materials you send to Vyapar will be treated as non- confidential and non-proprietary and may be disseminated or used by Vyapar for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.

      ADVERTISING. The Site may contain advertisements and/or sponsorships. The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for ensuring that the materials submitted for inclusion on the Site are accurate and comply with all applicable laws. Vyapar Apps is not responsible for the acts or omissions of any advertiser or sponsor.

      SEVERABILITY. If any provision of the Terms of Use is held to be invalid, void or unenforceable, the remaining provisions shall nevertheless continue in full force and effect.

      Headings & section titles in this Agreement are for convenience and do not define, limit, or extend any provision of this Agreement.

    • Modification of terms & conditions
    • These terms may be updated from time to time in the future. The User should agree to review our Terms and Conditions regularly by visiting this page. Continued access to or use of the service will mean that the User agrees to the change.

    • When This Privacy Statement Applies
    • Its liability to the User is limited to those who have downloaded the vyapar application by clicking on the “I Agree/Login” button for Terms and Conditions.

    • Terms and Description of Services
    • We provide an array of services including Inventory management, Invoicing, Reporting tool, Estimate/Order Form creator and so on to serve as a complete business management software (“Service” or “Services”). The User may use the Services for his/her personal and business use or for internal business purposes in the organization that he/she represents. The User may download the application from the Official website/ Google Play Store using the Internet. Once downloaded, the User no longer needs an internet connection for its usage. A User can create and add content to his/her account staying offline. But, the User is responsible for obtaining access to the Internet and the device necessary to use the Services. ( Side Note: Vyapar tries its best to make Businesses compliant to taxation and other laws as much as possible. But, it is solely the User’s responsibility to see that he/she remains compliant with indirect-tax and other laws levied by the Government. Vyapar is not in any case responsible for the violation of the compliance caused by software)
      For the software subscription services purchased on Vyapar, the validity of the license period shall commence on or before 60 days since the date of purchase. Vyapar reserves all rights to increase or reduce this grace period.

    • Business Data and Privacy
    • The User alone is responsible for maintaining the confidentiality of his/her username, password and other sensitive information. He/She is responsible for all activities that occur in his/her user account and he/she agrees to inform us immediately of any unauthorized use of their user account by email to [email protected] or by calling us on any of the numbers listed on http://vyaparapp.in/#contact. We are not responsible for any loss or damage to his/her or to any third party incurred as a result of any unauthorized access and/or use of his/her user account, or otherwise. We are neither responsible for any kind of data loss as performing necessary backups on data is solely the User’s responsibility. Vyapar is not responsible for any kind of data discrepancy or any type of loss occured due to data discrepancy/software issue.

    • Data Ownership
    • The User owns the content created or stored by his/her as we respect his/her right to ownership of content created or stored by them. The Users use of the Services does grant Vyapar the license to use, reproduce, adapt, modify, publish or distribute the content created by them or stored in the user’s account for Vyapar internal purpose. Vyapar tries keeping Users data safe but holds zero responsibility in case of data leaks.

    • Permissions
    • Camera: To take the picture of the bills etc to be attached with transactions.
    • Contacts:
      This app collects contact information like number of contacts on the device with a phone
      number and without a phone number. In addition to it, the app collects other non-personal
      information to understand the risk profile of the user and enable credit facility.
      This app doesn’t upload your contacts information like names, phone numbers, emails
      addresses and other personal information to our servers.
    • Storage:
      This app collects metadata of files on your device like file names, types, created times, last
      updated times for credit profile enrichment.
    • Location:
      This app collects location details to verify your location & current address, to ensure
      serviceability and to identify unusual activity to prevent against any fraud, we do not collect
      location when app is in background.
    • SMS:
      This app collects SMS data like sender names, SMS body, received time to understand your income,
      spending patterns and automatically fetch your expenses, bills, credits. We do not read any personal or OTP messages.
    • Device and Personal info:
      This app collects and monitor specific information about users’ Phone Number and your device including your hardware model, masked phone numbers, operating system and version, unique device identifiers like IMEI and serial number, user profile information to uniquely identify the devices and ensure that unauthorized devices are not able to act on your behalf to prevent frauds.
    • Accounts:
      This app collects and monitor list of account information like account names, account types
      in your device for credit profile enrichment.
    • Apps:
      This app collects details of your installed applications to understand your profile. This helps
      us give quicker approvals and higher credit limits.
    • Call logs:
      This app uses call logs permission to validate your phone number using missed call. In
      addition to it, details of your aggregated call information is collected to understand your
      profile. This helps us give quicker approvals and higher credit limits. We do not read the
      phone numbers or any personal information.
    • Calendar:
      This app collects event data on your calendar for credit profile enrichment.
    • Permissions Usage:
    • Collection of contact
    • This is how we will use your contact permissions:
      (i) We allow users to sync their contacts from mobile to desktop, the contact permissions will be used to facilitate this.
      (ii) We will show parties that are already Vyapar users, to show you your potential buyers and suppliers.

    • Collection of SMS information
    • We will use SMS data like sender names, SMS body, received time to understand your income, spending patterns and automatically fetch your expenses, bills, credits. We do not read any personal or OTP messages.
      We collect and monitor SMS sent by 6-digit alphanumeric senders from your inbox to understand your income, spending patterns and automatically fetch your expenses, bills, credits. We collect your historical SMS data as well, as this process will enable you to take financial facilities like loans, credit cards from the regulated financial entities available on the platform. We do not read any personal or OTP messages.

    • Collection of device location, device information and personal information
    • We collect and monitor the information about the location of your device to provide serviceability of your loan application, to reduce the risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision and expedite the know your customer (KYC) process. Information the App collects, and its usage depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the App and explicitly seek permissions from You to get the required information from the device.
      The information we collect from your device includes the users’ phone number, masked phone numbers, hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device acts on your behalf to prevent frauds.

    • Collection of installed applications
    • We collect a list of the installed applications’ metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your creditworthiness and enrich your profile with pre-approved customized loan offers.

    • Collection of Images
    • The images uploaded by users in Vyapar App are stored on our servers so they can be accessed from multiple devices. We do this to enhance your user experience and make it seamless.

    • Storage
    • We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can then easily upload the correct KYC related documents for faster loan application details filling and disbursal process. This ensures that you are provided with a seamless experience while using the application.

    • Camera
    • We require the camera information permission to provide you with an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.

    • Collection of other non-personal information
    • We automatically track certain information about you based upon your behavior on our Platform. We use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect and serve our users and improve our services. This information is compiled and analyzed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address.
      Cookies are small data files that a Website stores on Your computer. We will use cookies on our Website similar to other lending websites/apps and online marketplace websites/apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website. If you choose to make a purchase through the Platform, we collect information about your buying behaviour. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.
      If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.

    • Data Security
    • At Vyapar, we understand the paramount importance of safeguarding your personal and business information. Our dedication to data security is unwavering, and we employ a comprehensive approach to protect your data against unauthorised access, misuse, or loss.

    • Industry-Standard Safeguards: We leverage industry-standard physical, technical, and administrative measures to ensure the security of your information. Our systems are fortified with robust firewalls, advanced encryption methods, and continuous monitoring to thwart potential security breaches. Our team stays abreast of the latest security trends and technologies, ensuring your data is protected by the best defenses available.
    • Continuous Improvement: Recognizing that no security system is impenetrable, we are committed to continually enhancing our security measures. Our efforts are guided by a ‘best effort basis’ principle, focusing on continuous improvement and adaptation to evolving threats.
    • User Responsibility: We emphasize the importance of your role in maintaining the security of your account. It’s crucial to keep your username and password confidential and to exercise caution in their usage. We count on your partnership to uphold this aspect of security.
    • Communication Safety: Please be aware that standard email and messaging communication with Vyapar may not be encrypted. We advise against sharing confidential information through these channels to avoid potential risks.
    • Data Retention & Deletion Policy: Your personal information is retained only as long as necessary. Once your account is no longer active, or as per legal requirements, we responsibly delete your personal data, barring any requirements for legal compliance, fraud prevention, or other critical business needs. Your events data is stored for one year, account details are stored forever unless the user requests for deletion of data or account, usage logs are maintained for three months, while transactional logs are maintained for six months. Users can request deletion here.
    • Your Trust, Our Priority: At Vyapar, your trust is our top priority. While we acknowledge that absolute security is an ongoing challenge, our commitment to protecting your data remains steadfast. We are constantly evolving to meet and exceed industry standards, ensuring that your information is secure with us.

    • For any concerns or queries regarding our data security practices, please feel free to contact us at [email protected]

    • Link to third-party SDK
    • The Vyapar Platform has a link to a registered third party SDK that collects data on our behalf and data is stored on a secured server to perform a credit risk assessment. We ensure that our third-party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data. Our third-party service provider employs separation of environments and segregation of duties and has strict role-based access control on a documented, authorized, need to-use basis.
      The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data. Furthermore, our registered third party service provider provides hosting security – they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions.

    • Approval of Alerts, Messages and Promotional campaign
    • In addition to the General Conditions of Vyapar service a User agrees to be bound by the following terms and conditions:
      (i) The User agrees to receive promotional, transactional and commercial communications from Vyapar through calls, email, SMS or push notifications.
      (ii) Under certain conditions, promotional messages are transmitted to the users and that vyapar shall not bear any further obligation in respect of such promotional messages.

    • Refund, Cancellation, and Renewal Policies:
    • 1. Eligibility for Full Refund: Customers who submit a refund request via email or through our website within 7 days from the date of purchase will be eligible for a 100% refund.
      2. Method for Requesting Refunds: To initiate a refund, please submit your request through email or via our website.
      3. Other Refund Policies for Purchases: Our refund policy applies exclusively to purchases with a duration of one year or longer.
      4. Non-Refundable Convenience Fees: Please note that convenience fees are non-refundable in the event of a license cancellation.
      5. Manual Renewal Process: Our system does not automatically renew licenses. For continued service, customers are required to manually renew their license at the end of their validity.

    • If you have any questions or concerns regarding this Agreement, please contact us at [email protected]