Terms & Conditions

Last Updated: September 12, 2026

Terms Version: terms-2026-09-12

1. Introduction and Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you (whether personally or on behalf of an entity, "you" or "User") and Kroply (operated by AgroMantra AI / Kroply Technologies, "we", "us", or "our"), governing your access to and use of the Kroply web application at https://kroply.in, the Kroply mobile applications for Android and iOS devices, APIs, related software, and business management services (collectively, the "Platform" or "Service").

Kroply provides business management, GST invoicing, inventory tracking, batch/expiry control, AI-assisted purchase bill OCR extraction, customer Khata/credit management, supplier ledgers, multi-store management, and reporting services specifically designed for fertilizer retailers, seed dealers, pesticide distributors, and agri-input merchants in India.

By registering an account, downloading or installing our mobile applications, checking an acceptance box, logging in, purchasing a subscription, or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree, you must immediately cease all access and use of the Platform.

2. Eligibility and Commercial Business Use

• Age & Capacity: You must be at least 18 years of age and possess the legal authority to enter into a binding contract under the Indian Contract Act, 1872.
• Commercial Intent: The Platform is designed and offered strictly for lawful commercial and business operations of agri-input retail shops, wholesale dealerships, and related agricultural enterprises. It is not intended for personal, household, or family consumer purposes.
• Statutory Licenses: You warrant that you hold, and will maintain in good standing, all statutory registrations, licenses, permits, and tax registrations required to trade in fertilizers, seeds, pesticides, and agricultural inputs in your respective State or Union Territory (including GSTIN, Fertilizer Dealership License, Insecticides / Pesticides Selling License, and Seed Trading License).
• Authority to Bind: If you use Kroply on behalf of a proprietorship, partnership, limited liability partnership (LLP), private limited company, or farmer producer organization (FPO), you represent and warrant that you have full legal authorization to bind that enterprise to these Terms.

3. Mobile Application License and App Store Provisions

3.1 End User License Grant (Mobile Apps)

Subject to your compliance with these Terms and payment of applicable plan fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to download, install, and execute the Kroply mobile application on compatible mobile handsets and tablets owned or controlled by you, strictly for your internal business operations.

3.2 Apple App Store and Google Play Store Additional Terms

If you download our mobile application from the Apple App Store or Google Play Store:

• You acknowledge that these Terms are between you and Kroply only, and not with Apple Inc. ("Apple") or Google LLC ("Google"). Neither Apple nor Google is responsible for the Platform or its content.
• Apple and Google have no obligation whatsoever to furnish any maintenance or support services with respect to the Kroply mobile application.
• To the maximum extent permitted by applicable law, neither Apple nor Google will have any warranty obligation whatsoever with respect to the mobile application. Any claims, losses, liabilities, damages, or costs attributable to any failure to conform to any warranty are governed solely by these Terms.
• Apple and Google are not responsible for addressing any claims by you or any third party relating to the mobile application, including product liability claims, consumer protection claims, or regulatory compliance claims.
• Apple and Google, and their respective subsidiaries, are third-party beneficiaries of these Terms with respect to your license of the mobile application, and shall have the right to enforce these Terms against you as a third-party beneficiary.

4. Account Registration, Staff Access, and Security

You must provide accurate, current, and complete business information during registration, including your legal name, business trade name, registered address, active mobile number, email address, GSTIN, and relevant dealer license numbers. You must promptly update this information if changes occur.

Role-Based Access Control: Account owners may invite staff members, store managers, and billing operators to access specific shops with designated permissions (e.g., billing only, inventory view, expense management). The account owner is strictly responsible for all actions, invoice creations, stock edits, and transactions executed by invited team members.

Credential Security: You are responsible for safeguarding your login passwords, one-time passwords (OTPs), and security PINs. You must not share credentials. You agree to notify us immediately at team@kroply.in upon becoming aware of any unauthorized access, compromised credentials, or security breach.

Audit & Consent Records: For legal audit and regulatory compliance, we record the exact Terms version and Privacy Policy version accepted, the client platform (web/Android/iOS), server timestamp, and IP address whenever consent is granted or updated.

5. Subscription Plans, Capacity Packs, and Manual Payments

5.1 Subscription Plans and Add-Ons

Kroply offers free trial periods, tiered subscription plans (e.g., Basic, Pro, Multi-Shop), staff capacity add-ons, shop capacity add-ons, and AI OCR bill extraction page packs. The specific features, quotas, active validity periods, and prices are clearly displayed on our pricing pages and within the Platform before purchase.

5.2 Strictly No Auto-Debit / No Automatic Recurring Charges

Kroply operates on a strictly manual prepaid model. We DO NOT store recurring payment mandates, standing instructions (SI), e-NACH instructions, or auto-debit tokens. We will never automatically charge your credit card, debit card, bank account, or UPI handle upon plan expiration. To renew or upgrade your subscription, you must affirmatively initiate a fresh manual transaction through our checkout interface.

5.3 Payment Processing through Authorized Gateways

All electronic payments on the Platform are processed through Reserve Bank of India (RBI) authorized third-party payment aggregators (such as Razorpay). We do not store complete credit/debit card numbers, CVVs, net-banking credentials, or UPI PINs. All transactions are charged in Indian Rupees (INR) and include applicable Goods and Services Tax (GST).

5.4 Plan Expiry and Grace Periods

If your subscription expires without a manual renewal, access to paid features (such as creating new invoices, AI OCR scanning, or multi-shop management) may be temporarily suspended or transitioned to read-only mode. We maintain your historical business records securely for a reasonable recovery period to enable you to export your data or renew your subscription.

6. Cancellation and Refund Policy

Because Kroply provides immediate digital activation of cloud infrastructure, database storage, and third-party AI compute resources upon purchase, subscription fees and OCR pack charges are generally non-refundable once activated.

Exceptions and Reconciliation: We will promptly investigate and issue refunds or billing adjustments in the following verified circumstances:

• Duplicate Billing: Multiple charges debited for the same renewal or purchase due to a network or payment gateway timeout.
• Payment Deducted but Service Not Activated: Where your bank account or UPI was debited, but the subscription or add-on was not provisioned on Kroply due to a webhook or technical failure.
• Prolonged Service Outage: Continuous and total Platform unavailability lasting more than 7 consecutive business days caused solely by Kroply's infrastructure failure.

To request a refund or payment reconciliation, email team@kroply.in with your registered mobile number, business name, payment transaction ID, and bank debit proof. Valid refunds are processed back to the original source payment method within 5 to 7 working days, subject to banking and gateway clearance cycles. Nothing in this clause limits statutory consumer rights under the Consumer Protection Act, 2019.

7. User Business Data and Ownership

You retain complete, exclusive ownership of all business records, customer ledgers, supplier details, product catalogs, pricing lists, stock quantities, invoice data, purchase registers, expense receipts, and financial transactions that you input, upload, or generate on Kroply ("User Data").

You grant Kroply a limited, non-exclusive, royalty-free license to host, store, process, back up, transmit, format, and display User Data solely to the extent necessary to provide, support, maintain, and secure the Service for you and your authorized staff.

You are solely responsible for ensuring that you have lawful consent and authority to enter third-party personal data (such as farmer names, phone numbers, and addresses) into customer ledgers on Kroply. You should maintain periodic offline backups or exports of your crucial accounting and GST registers.

8. Statutory Disclaimers: Fertilizers, Seeds, and Pesticides Regulation

CRITICAL NOTICE FOR AGRICULTURAL DEALERS:

• Not an Official Government PoS Machine: Kroply is an independent commercial ERP, billing, and accounting software. It is NOT an authorized Government of India Integrated Fertilizer Management System (iFMS / mFMS) Point-of-Sale (PoS) terminal, nor does it replace biometric DBT (Direct Benefit Transfer) Aadhaar authentication equipment mandated by the Department of Fertilizers, Ministry of Chemicals and Fertilizers.
• Statutory Register Compliance: You remain strictly responsible for fulfilling all statutory recording and reporting requirements under the Fertilizer Control Order (FCO), 1985, the Essential Commodities Act, 1955, the Insecticides Act, 1968 & Rules 1971, and the Seeds Act, 1966, including maintaining statutory physical inspection registers (Form A, Form B, Form O, Form M), monthly return filings with District Agriculture Officers, and batch sample custody.
• Subsidies and Stock Reconciliation: Kroply disclaims all liability for any discrepancies between your internal stock on the Platform and physical stock, any government subsidy claims denied by authorities, or any regulatory fines, license cancellations, or criminal/civil proceedings resulting from dealer non-compliance with state agricultural laws.
• Product Purity and Expiry: You are solely responsible for monitoring chemical shelf-life, batch numbers, manufacturer test certificates, and hazardous pesticide handling. Kroply does not inspect, test, or verify physical goods.

9. GST, Invoicing, and Tax Regulatory Compliance

Kroply provides software tools to calculate tax amounts and format invoices according to user-configured settings. However:

• Kroply is not a chartered accountant, tax practitioner, or legal advisor. The Platform does not furnish formal tax, legal, or accounting advice.
• The merchant is solely responsible for determining and verifying the applicable Harmonized System of Nomenclature (HSN) or Service Accounting Codes (SAC), correct Goods and Services Tax (GST) slabs (e.g., 0%, 5%, 12%, 18%), calculation of CGST, SGST, IGST, and cess, and compliance with Rule 46 and Rule 49 of the CGST Rules, 2017.
• The merchant is strictly responsible for determining whether its aggregate turnover mandates E-Invoicing (IRN generation via Invoice Registration Portals) or E-Way Bill generation on the NIC portal, and for generating those credentials independently.
• You must review all bills, ledgers, and GSTR summaries before submitting official returns (GSTR-1, GSTR-3B, GSTR-9) to the GST Network (GSTN).

10. AI-Assisted OCR and Purchase Bill Extraction

The Platform offers automated optical character recognition (OCR) and artificial intelligence (AI) tools (utilizing configured providers such as OpenAI and OpenRouter) to scan paper invoices, delivery challans, and distributor bills into draft purchase entries.

• Mandatory Human Review: Automated AI extraction is inherently probabilistic and dependent on photographic lighting, print clarity, handwritten notes, and document formatting. You MUST manually review, verify, and correct all extracted supplier names, GSTINs, product line items, quantities, batch numbers, rates, and tax calculations before finalizing any draft invoice into active inventory.
• No Warranty on OCR Accuracy: Kroply expressly disclaims all warranties regarding the accuracy, completeness, or reliability of automated OCR extraction. Kroply is not responsible for stock discrepancies, incorrect supplier payouts, or tax assessment penalties caused by unverified OCR entries.
• Prohibited Uploads: You must strictly refrain from uploading government identity cards (such as Aadhaar, PAN, Voter ID), biometric scans, credit/debit card photos, bank account credentials, or confidential non-business personal documents to the invoice scanner.

11. Mobile Device Permissions and Hardware Features

When using the Kroply mobile application, the app may request specific device hardware permissions:

• Camera: Used exclusively to photograph purchase invoices for OCR extraction and to scan product QR codes or UPI payment QR codes.
• Storage, Photos, and Media: Used solely to upload existing invoice PDFs/images and to save generated PDF invoices, delivery challans, and festival greeting images locally to your device.
• Biometric Authentication (Face ID / Fingerprint): If enabled by you for quick app lock, biometric validation executes entirely on your device's native hardware secure enclave (via Apple LocalAuthentication or Android BiometricPrompt). Raw biometric templates, facial geometry, and fingerprint images NEVER leave your device and are NEVER collected, transmitted, or stored on Kroply servers.
• Push Notifications: Used to deliver critical transactional updates, low-stock alerts, payment reminders, and subscription notices. You can disable notifications at any time in your device settings.

12. Reward Coins, Loyalty Points, and Referral Program

• Promotional Nature: Reward Coins and loyalty points distributed via the Platform or earned through referral campaigns are non-monetary promotional digital units issued at Kroply's sole discretion.
• No Cash Redemption: Reward Coins have no real-world cash surrender value, cannot be redeemed for fiat currency, cannot be transferred to bank accounts or third parties, and do not constitute an electronic wallet or stored-value instrument under RBI regulations.
• Anti-Abuse & Forfeiture: Creating multiple fictitious accounts, self-referring, manipulating attribution codes, or violating fair usage rules will result in immediate forfeiture of accrued Reward Coins and potential account suspension. We reserve the right to modify, adjust, or discontinue promotional reward schemes with prospective notice.

13. Acceptable Use and Prohibited Conduct

You agree that you will NOT use the Platform to:

• Violate any local, state, national, or international law, agricultural regulation, or tax statute;
• Generate fake, misleading, backdated, bogus, or tax-evasive invoices or sales records;
• Record, distribute, or facilitate the illicit sale of banned pesticides, spurious seeds, unapproved chemical compounds, expired agricultural stock, or counterfeit goods;
• Upload malware, trojans, malicious code, or files designed to disrupt or harm the Platform or third-party infrastructure;
• Scrape, spider, crawl, reverse-engineer, decompile, or extract source code, database structures, or trade secrets from the Platform;
• Circumvent subscription plan limitations, session limits, or staff user quotas by sharing master credentials;
• Engage in abusive, harassing, or defamatory conduct toward Kroply support personnel or other users.

14. Intellectual Property Rights

The Platform, including all software code, architecture, user interface designs, logos, trademarks, documentation, graphics, color schemes, and proprietary algorithms, is and remains the exclusive intellectual property of Kroply and its licensors.

Except for the limited license expressly granted herein to use the Service during an active subscription, nothing in these Terms transfers or assigns any ownership right, title, or interest in our intellectual property to you. You shall not remove, alter, or obscure any copyright, trademark, or proprietary notice.

15. Third-Party Integrations and External Services

The Platform may integrate with or link to third-party services, including payment gateways (Razorpay), cloud hosting and database providers (AWS), communication gateways (SMS/OTP/Email providers), WhatsApp sharing links, AI inference endpoints (OpenAI, OpenRouter), and external weather/news feeds.

Your interactions with third-party providers are governed by their respective terms of service and privacy policies. Kroply is not liable for service disruptions, rate changes, API deprecations, or data handling practices of independent third-party vendors outside our direct control.

16. Service Availability, Maintenance, and Modifications

We strive to maintain high system reliability and availability for agri-dealers during peak agricultural seasons (Kharif and Rabi). However, the Service is provided on an "as available" basis.

We reserve the right to perform scheduled maintenance, apply emergency security patches, upgrade server clusters, or modify features. We will make reasonable efforts to announce scheduled downtime in advance. We shall not be liable for business interruptions caused by power outages, telecommunications failures, ISP routing failures, or force majeure events.

17. Account Suspension, Termination, and In-App Deletion

17.1 Voluntary Termination and Account Deletion

You may stop using Kroply at any time. Mobile and web users may initiate account closure and data deletion requests directly from within the application (via Profile / Account Settings) or by emailing team@kroply.in from their registered email address.

17.2 Termination by Kroply

We may suspend or terminate your account immediately without prior notice if:

• You materially breach these Terms, acceptable use rules, or our Privacy Policy;
• We are required to do so by a court of competent jurisdiction, government agricultural authority, police request, or statutory regulator;
• Your account poses an active cyber security, financial fraud, or legal risk to Kroply or other dealers;
• Your subscription fees remain unpaid following expiration and any grace period.

17.3 Post-Termination Data Retention

Upon verified account deletion, personal identity data is purged or anonymized in accordance with our Privacy Policy. Mandatory tax transaction records, issued invoices, and security audit logs may be retained for statutory periods required under Indian tax and corporate laws before secure deletion.

18. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE INDIAN LAW, THE PLATFORM, MOBILE APPLICATIONS, AND ALL ASSOCIATED SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE EXPRESSLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, DATA ACCURACY, UNINTERRUPTED UPTIME, ERROR-FREE OPERATION, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE MAKE NO GUARANTEE THAT KROPLY WILL SATISFY YOUR SPECIFIC BUSINESS, FINANCIAL, AGRONOMIC, OR REGULATORY REQUIREMENTS.

19. Limitation of Liability and Indemnification

19.1 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL KROPLY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, LOSS OF DATA, SUBSIDY REJECTION, OR CROP FAILURE CLAIMS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE PLATFORM.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING UNDER OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, SHALL BE STRICTLY LIMITED TO THE ACTUAL SUBSCRIPTION FEES PAID BY YOU TO KROPLY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR FRAUD, WILFUL MISCONDUCT, OR ANY STATUTORY REMEDY THAT CANNOT LAWFULLY BE EXCLUDED UNDER APPLICABLE INDIAN CONSUMER OR DATA PROTECTION LAWS.

19.2 Indemnification

You agree to defend, indemnify, and hold harmless Kroply, its officers, directors, employees, and agents from and against any third-party claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your unlawful use of the Platform; (b) violation of the Fertilizer Control Order, Insecticides Act, Seeds Act, or GST laws; (c) infringement of any third-party intellectual property or privacy right; or (d) your material breach of these Terms.

20. Governing Law, Dispute Resolution, and Jurisdiction

Governing Law: These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of India.

Informal Dispute Resolution: Before initiating formal legal proceedings, you agree to first notify us in writing at team@kroply.in detailing the nature of the dispute. Both parties agree to use good-faith efforts to amicably resolve the matter within thirty (30) calendar days from the date of receipt.

Exclusive Jurisdiction: Subject to the mandatory jurisdiction of statutory consumer dispute redressed commissions under the Consumer Protection Act, 2019, any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in the competent courts located in Pune, Maharashtra, India.

21. Updates to These Terms

We may periodically revise these Terms to reflect legislative changes, regulatory updates (such as notifications issued under the DPDP Act or GST rules), mobile operating system requirements, or platform feature enhancements.

When we make material changes, we will update the "Last Updated" date and version string, post an in-app announcement or send an email notification, and prompt for updated affirmative consent where legally required. Your continued use of the Platform after the effective date of updated Terms constitutes your acceptance.

22. Grievance Redressal and Designated Grievance Officer

In accordance with the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Digital Personal Data Protection Act, 2023, and the Consumer Protection (E-Commerce) Rules, 2020, the details of our designated Grievance Officer are:

• Entity / Platform: Kroply (AgroMantra AI / Kroply Technologies)
• Designation: Grievance Officer
• Grievance Email: team@kroply.in (Subject line: Attn: Grievance Officer)
• Support Desk: team@kroply.in
• Registered Jurisdiction & Location: Pune, Maharashtra, India
• Official Website: https://kroply.in

Turnaround Timelines: In accordance with statutory rules, all consumer grievances and legal complaints will be formally acknowledged within forty-eight (48) hours of receipt and addressed / redressed within one (1) month from the date of receipt.