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These terms are the agreement between you and OkBell for the website okbell.app and the OkBell apps. They cover both spaces: Business (for businesses that collect fees and dues) and Personal (for people and families).

Please read them. By making an account or using OkBell, you agree to them. Our privacy policy and acceptable use policy are part of these terms. If you use the Business space, our data processing agreement is part of them too.

1. Who you are agreeing with

For a business, "where you are" means the business's billing country. For a person, it means the country of your account. In these terms, "OkBell", "we" and "us" mean the company for your country.

Contact: hello@okbell.app.

2. Your account

• You must be 18 or older to make an account. There are no child accounts.
• You sign in with a code sent to your email, or with a passkey. There are no passwords to remember.
• Keep your email, phone and devices safe. You are responsible for what happens in your account.
• Give us true details, and keep them up to date.
• If you think someone else used your account, tell us at once at hello@okbell.app.

3. The two spaces

OkBell has two spaces in one app.

• Business: a business (such as a tuition class, gym, hostel, housing society or club) records what its payers owe and OkBell reminds them, with a link to pay the business directly.
• Personal: you get reminders for anything due, and can remind other people who agree.

One person can use both. The spaces never share data: a business can never see anyone's Personal space.

Some features are available only in some countries, only on some plans, or only after they launch. A feature described in these terms applies once it is available to you.

4. Business space

4.1 What OkBell does for a business

OkBell records dues, sends reminders to payers on WhatsApp, SMS, email and other channels, and escalates an unpaid due to a second contact (only one who agreed) and then to the business's own call list. It makes pay pages and receipts in the business's name.

4.2 Money never touches OkBell

• Payers pay into the business's own account with its own payment provider (for example Razorpay or Cashfree in India). The money goes from that provider to the business's bank.
• OkBell never receives, holds, pools, splits or moves payers' money. We take no cut of any payment.
• We do not lend money, and we never hold a balance for anyone.
• Refunds of fees, disputes and chargebacks are between the payer, the business and its payment provider. A business can start a refund from OkBell; the refund is made by its provider.

4.3 The business's duties

If you use the Business space, you agree that:

• You are the one responsible for your payers' data. OkBell processes it for you under the data processing agreement.
• You have a lawful reason to hold each payer's details and to remind them.
• Payers are adults. A child may be listed only as a dependant, with a first name and batch.
• You will not use OkBell for debt collection or recovery. Lenders, non-bank finance companies, microfinance firms, recovery agents, debt buyers, chit funds and money lenders may not use the Business space.
• You choose from our message templates. You cannot add your own words to automated messages.
• You will follow our acceptable use policy.

Receipts carry the business's name and details. A receipt is a tax invoice only where the business set up its own tax details and its country's rules allow it.

4.4 Business plans

• Business plans are not sold in the apps.
• Plans renew automatically each month or year until you stop renewal. You can stop renewal at any time where you bought the plan; your plan runs to the end of the period you paid for.
• The price is shown before you buy. In India, prices include GST. Elsewhere, taxes apply as shown at checkout.
• If a payment fails, we tell you and keep the full service running for 14 days while you fix it. After that, your business moves to the Free limits. Nothing is deleted.
• Over a limit, we never switch reminders off silently. We warn you at 80% and 100%, and tell you what will happen.
• Refunds: see our refund and cancellation policy.

5. Personal space

5.1 Personal plans

• Personal plans (Plus and Family) are sold where OkBell offers them: in the apps through Apple or Google, or through OkBell's own checkout.
• In the app: Apple or Google sells you the plan and takes the payment. The plan renews automatically at the end of each period until you cancel. Your store account is charged for the renewal within 24 hours before the period ends. To avoid the next charge, cancel at least 24 hours before the period ends, in your store account settings. You can manage or cancel your plan there at any time after you buy it. The price, the period and what you get are shown before you buy.
• Through OkBell's own checkout: your plan renews automatically until you stop renewal where you bought it; your plan runs to the end of the period you paid for.
• One plan covers one person (Plus) or one family of up to 6 adults (Family), wherever you bought it.
• If a plan ends or a payment fails, we never switch your reminders off silently. Paid channels stop with a notice; push and email reminders go on.
• Refunds: see our refund and cancellation policy.

5.2 Reminding other people

• You may remind someone only with their consent. You send the first invite from your own WhatsApp or SMS. We send them nothing automatic until they say yes themselves.
• They can stop you, or all of OkBell, at any time. You will see only that they did not accept or that they stopped.
• You may remind someone under 18 only if you are their parent or guardian.
• Never use reminders to collect debts, to pressure, or to harass anyone.

5.3 Family spaces

An adult joins your family space only by accepting your invite themselves. Members see each other's names only. Anyone can leave at any time; their private items go with them.

5.4 Family care is not an emergency service

Family care (when available) helps you check that someone is well each day. If they do not check in, it calls them, then alerts the contacts you chose, one at a time.

Family care is not an emergency service. It does not call emergency services, it does not give medical advice and it does not track anyone's location. Messages, calls and phones can fail or be late. In an emergency, call your local emergency number (112 in India) or the right local number.

The person being checked must agree themselves before checks start. Each contact must agree themselves before they get alerts.

5.5 Just in case is not a will

Just in case (when available) lets you store short messages and a few photos, name the people who should get them, and choose how often to check in. If you stop checking in, OkBell asks you again on every channel, then asks your verifier, then waits through a grace period and a final hold. Only then does it send each item to its own recipient.

• OkBell is not a will and does not transfer ownership. It is message delivery, not a will or legal transfer. Make a will and fill in nominee forms with your bank, insurer and funds. OkBell helps your family find them.
• Never store bank or net-banking passwords, card or UPI PINs, CVVs, one-time-password secrets, crypto seed phrases or private keys, full card numbers, or anything that lets someone sign in as you to move money. The app checks the words of messages for these and refuses them, but the checks are a safety net, not a promise, and a photo's content cannot be checked. You are responsible for what you store.
• Your messages are private, not a safe. Only you, the people you choose and, in rare cases, OkBell's senior admins can open them, and they need your Private code. OkBell can open them if the law requires it, or to help you recover them.
• Do not keep passwords, PINs, card numbers, seed phrases, wills or legal papers here. It is not a safe, and it is not a legal transfer.
• Our staff can pause a switch (for example on a court order or a credible dispute), but no one at OkBell can release or cancel it, or make it release sooner.
• If a plan payment fails, your switch stays armed, read-only, for at least 12 months. We never delete it silently.
• Heirs and court orders. We may pause a release, or share account data, when a court orders it or when the law of your country gives your heirs rights to your account.
• If we ever close Just in case or OkBell, we will give at least 90 days' notice and let you export your messages and your switch's history.

5.6 Saved places

Saved places (when available) are private. Only you, the people you choose and, in rare cases, OkBell's senior admins can open them, and they need your Private code. OkBell can open them if the law requires it, or to help you recover them. Place reminders work on your phone, and your live position never leaves it. You may share arrivals only between adults who agree, and never to watch someone without their knowledge.

5.7 Work and money

Work and money (when available) is private. Only you and, in rare cases, OkBell's senior admins can open it, and it needs your Private code. OkBell can open it if the law requires it, or to help you recover it. It is backed up to OkBell by default, so it survives a lost or changed phone. You can turn this off in Settings or Profile; a lost phone then means lost records. Backups we hold age out within 30 days of deletion. It is your own record: OkBell has not checked it, and it is not legal advice.

Do not keep passwords, PINs, card numbers, seed phrases, wills or legal papers in Saved places or Work and money. They are not a safe, and they are not a legal transfer.

6. Your content

• What you add to OkBell stays yours.
• You let us store, copy, process and send it only as needed to run OkBell for you, as described in our privacy policy.
• You confirm you have the right to add it, including other people's names and contact details.

7. Our service

• OkBell, its software, design and name belong to us. You may use them only as these terms allow.
• We work to keep OkBell running and secure, but we cannot promise it will always be available, free of errors, or that every message or call will arrive on time. Phones, networks and message providers can fail.
• We may change, add or remove features. If a change takes away something important from a paid plan, we will tell you first.
• If you send us ideas, we may use them without owing you anything.

8. App stores

If you got the app from the Apple App Store or Google Play:

• These terms are between you and us, not Apple or Google. We, not they, are responsible for the app and for support.
• The store's own terms also apply to your use of the app and to purchases made through it.
• If the app fails to work as promised, you may tell Apple or Google, who may refund the price you paid them for it, as their own rules allow.
• Apple and its subsidiaries may enforce these terms against you as a third party.

9. Suspension and ending

• You can stop using OkBell and delete your account at any time (Settings → Account → Delete account, or okbell.app/delete-account). We wait 30 days so you can change your mind, then erase your data as our privacy policy says. Deleting your account does not cancel a plan bought in the app; cancel it with Apple or Google.
• We may pause reminders, suspend or close an account if it breaks these terms or the acceptable use policy, harms other people, or if the law requires it. Where we can, we tell you why and give you a chance to fix it first.
• If a business's account closes, its owner can export its records first.

10. Liability

• Nothing in these terms limits a right you have under consumer law that cannot be limited.
• OkBell is a reminder and record tool. We are not responsible for fees a payer owes or pays, for a business's decisions about its payers, or for a missed due date, a fine or a late fee, even if a reminder did not arrive.
• We are not responsible for losses we could not reasonably foresee, or for loss of profit, business or data that you could have kept by keeping your own copy.
• To the extent the law allows, our total liability to you for all claims in any 12 months is limited to the amount you paid us in those 12 months, or, if you paid us nothing, 5,000 Indian rupees where your contract is with Newtact Lab Private Limited (OPC) and 100 US dollars where it is with Thaja FZE LLC.
• A business using the Business space agrees to cover our losses if a claim is brought against us because the business broke these terms, the acceptable use policy or the law (for example by holding a payer's details without a lawful reason).

11. Law and courts

• If your contract is with Newtact Lab Private Limited (OPC): these terms are governed by the laws of India, and the courts at Hyderabad, Telangana, have jurisdiction.
• If your contract is with Thaja FZE LLC: these terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Sharjah, and the courts of Sharjah have jurisdiction.

Before going to court, please write to us at hello@okbell.app so we can try to fix the problem. If you are a consumer, you may also be able to use the courts where you live.

12. Changes to these terms

When we change these terms, we publish a new version on this page. Each version shows its number and the date it was published. If a change is important, we tell you in the app or by email before it applies. If you keep using OkBell after that, the new terms apply. If you do not agree, you can stop renewal and delete your account.

13. Contact

Questions about these terms: hello@okbell.app.