Terms & Conditions

Welcome to www.incomekaro.in ("Website"), operated by Incomekaro ("Company", "we", "our", or "us"). By accessing or using our website, software, services, products, CRM systems, white-label solutions, marketing services, or digital platforms, you agree to comply with and be legally bound by these Terms & Conditions.

If you do not agree with any part of these Terms, please do not use our services.

1. Services

Incomekaro provides digital services including but not limited to:

• White-label software
• CRM solutions
• Website development
• Loan agency software
• Marketing solutions
• Branding services
• Lead generation systems
• Mobile/web applications
• Digital consultancy services

Note: We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

2. Eligibility

By using our services, you confirm that:

• You are at least 18 years old
• You have legal authority to enter into agreements
• You will use the services lawfully
• All information provided by you is accurate and complete

3. Intellectual Property Rights

All website content, software, code, graphics, logos, designs, text, databases, branding materials, and digital assets are the exclusive property of Incomekaro unless otherwise stated.

You may not:

• Copy or reproduce content
• Modify or reverse engineer software
• Resell or redistribute our products without written permission
• Use our branding, logo, or materials commercially without authorization

Warning: Violation may result in legal action under applicable intellectual property laws.

4. User Responsibilities

You agree not to:

• Use services for illegal activities
• Upload malicious code, viruses, or harmful content
• Attempt unauthorized access to systems
• Misrepresent your identity
• Abuse payment systems or promotional offers
• Use the platform for fraud, spam, or unethical practices

Important: We reserve the right to suspend or terminate accounts violating these terms.

5. Payments & Billing

• All payments made to Incomekaro are final and subject to our Refund Policy.
• Clients must clear all dues within the agreed timeline.
• Delayed payments may result in suspension or termination of services.
• GST, taxes, gateway charges, renewal fees, hosting charges, and third-party costs may apply separately.

Failure to pay outstanding dues may lead to:

• Service suspension
• Domain/hosting interruption
• CRM access restriction
• Legal recovery proceedings

6. White-Label & Custom Development Services

Custom software, websites, applications, and white-label systems are developed specifically for clients after order confirmation.

Because development resources, server setup, technical labor, and customization begin immediately after purchase:

• Such services are generally non-refundable
• Project timelines may vary depending on technical complexity
• Minor design differences shall not be considered defects
• Additional feature requests may involve extra charges

7. Third-Party Services

Our services may integrate with third-party platforms such as:

• Payment gateways
• APIs
• Hosting providers
• Google services
• Social media platforms

Disclaimer: We are not responsible for outages, restrictions, policy changes, or failures caused by third-party providers.

8. Account Suspension & Termination

We reserve the right to suspend or terminate access without notice if:

• Terms are violated
• Fraudulent activity is detected
• Payments remain unpaid
• Services are misused
• Harmful or illegal activity occurs

Important: No refund shall be provided in such cases.

9. Limitation of Liability

Incomekaro shall not be liable for:

• Business losses
• Data loss
• Revenue loss
• Indirect or consequential damages
• Technical interruptions
• Third-party failures
• Unauthorized access caused by client negligence

Maximum Liability: Our maximum liability shall never exceed the amount paid by the client for the specific service.

10. No Financial or Legal Advice

Any information provided on the website or through our services is for informational purposes only and should not be considered legal, financial, investment, or professional advice.

Responsibility: Clients are responsible for independent verification before making decisions.

11. Confidentiality

Both parties agree to maintain confidentiality regarding sensitive business information, login credentials, software access, customer databases, and proprietary information.

12. Force Majeure

We shall not be held liable for delays or failures caused by events beyond our reasonable control, including:

• Natural disasters
• Cyber attacks
• Government restrictions
• Internet failures
• Power outages
• Pandemic situations

13. Modifications to Terms

Incomekaro reserves the right to update or modify these Terms & Conditions at any time without prior notice.

Important: Continued use of services after modifications constitutes acceptance of updated terms.

14. Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of the courts located in West Bengal, India.

15. Contact Information

For support or legal concerns: