Terms & Conditions of Service for GCredit Digital Bahi Khata
Official terms of use, service warranties, SLA commitments, and acceptable use guidelines governing gcredit.gcscit.com.
1 Merchant Operational Role
GCredit operates as a digital ledger bookkeeping application. It does not act as a Non-Banking Financial Company (NBFC), bank, or money lender, nor does it guarantee loan collections.
2 Accuracy of Ledger Entries
The merchant is solely responsible for recording authentic customer transactions and verifying customer details before dispatching payment reminders.
3 Fair Usage of Automated WhatsApp Reminders
Payment reminder notifications must strictly relate to genuine business debts. Using the notification engine for spamming or harassment is strictly prohibited and results in immediate account suspension.
4 Cloud Synchronization & Availability
We maintain 99.9% cloud ledger availability. In the rare event of network outages, local offline caches ensure transactions are safely queued and synced once online.
Governing Law & Dispute Jurisdiction
These terms of service are governed by and construed in accordance with the laws of India. Any legal dispute or claim arising out of or in connection with gcredit.gcscit.com shall be subject to the exclusive jurisdiction of the competent courts in Dehradun, Uttarakhand, India.