# Client Terms & Conditions

Last updated: September 5, 2026

## 1. Acceptance of Terms

These Client Terms and Conditions ("Agreement") constitute a legally binding contract between you ("Client," "you," or "your") and KaHo Technologies (OPC) Pvt. Ltd. ("KaHo," "we," "us," or "our"), a company incorporated under the Companies Act, 2013, with its registered office in Shakarwara Sabik, Gaighat, Muzaffarpur, Bihar, India, governing your access to and use of our educational management platform, mobile applications, and related services (collectively, the "Platform").

By creating an account, accessing the Platform, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy, which is incorporated herein by reference. If you are entering into this Agreement on behalf of an educational institution or organization, you represent and warrant that you have the authority to bind such entity to these terms.

**IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.**

## 2. Platform Description and License

KaHo provides a cloud-based Software-as-a-Service (SaaS) educational management platform designed for schools, colleges, universities, and vocational training institutions. The Platform includes:

- Student information system (SIS) with enrollment, demographics, and academic records management
- Manual attendance tracking with real-time parent notifications
- Comprehensive grade management, transcripts, and report card generation
- Secure communication portals for parents, teachers, and administrators
- Native mobile applications (Android) for stakeholders
- Multi-campus and branch management with role-based access control
- Advanced analytics, custom reporting, and data export capabilities
- Fee management, payment processing, and financial reconciliation
- Timetable scheduling, resource allocation, and examination management

Subject to your compliance with this Agreement and payment of applicable fees, KaHo grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your internal educational management purposes. This license does not include any right to sublicense, resell, or redistribute the Platform or any portion thereof.

## 3. Subscription Plans

KaHo offers subscription tiers based on student count:

- **Growth Package:** ₹699 for up to 30 students, 5 teachers, and 1 branch

### 3.1 Free Trial

KaHo offers a one-month (30-day) free trial for eligible new institutions. During the trial period, you can explore the Platform's features without paying the full subscription fee. To activate the trial, a nominal **₹1** (one rupee) token amount is charged to verify your payment method and prevent misuse. This ₹1 is not a subscription fee, is non-refundable, and the full subscription fee will be billed at the end of the trial unless you cancel before the trial expires. Trial eligibility and duration may vary based on the selected plan or promotional offer.

## 4. Payment Terms

Subscription fees are billed yearly in advance. You authorize KaHo to charge your payment method on a recurring basis. If payment fails, we reserve the right to suspend your access to the Service until payment is received.

All fees are non-refundable except as required by law or as explicitly stated in our refund policy.

**Taxation:** All subscription prices mentioned above are exclusive of 18% Goods and Services Tax (GST) as per Indian tax regulations. The applicable GST will be added to the base price and will be reflected in your invoice.

## 4.1 Online Payment Information

**Payment Processing:**

Online payments on the Platform are processed through **Cashfree Payments**, an RBI-authorized payment aggregator licensed under the Payment and Settlement Systems Act, 2007. Cashfree Payments acts as the payment intermediary between you and KaHo for all subscription transactions. By making a payment, you agree to Cashfree's terms of service and privacy policy, available at [cashfree.com](https://www.cashfree.com).

All transactions are processed in compliance with Reserve Bank of India (RBI) guidelines, the Payment and Settlement Systems Act, 2007, and Indian banking regulations.

**Payment Methods:**

Cashfree supports the following payment methods subject to availability on your account:
- Credit cards, debit cards (Visa, Mastercard, RuPay)
- Unified Payments Interface (UPI)
- Net banking (all major Indian banks)
- Wallets and PayLater (where enabled)

**Payment Security:**
- Your card details are never stored on KaHo's servers — card number, expiry, and CVV are collected directly by Cashfree through PCI-DSS compliant iframe elements (Cashfree.js v3) and never touch our infrastructure
- All payments are processed through encrypted channels (TLS 1.3+)
- Two-factor authentication (OTP / 3D Secure) is required for all card transactions as per RBI mandate
- KaHo operates within PCI-DSS SAQ-A scope; all sensitive card data is handled exclusively within Cashfree's PCI-DSS Level 1 certified environment

**Card Tokenization (RBI Compliance):**

In accordance with the RBI guidelines on card-on-file tokenization (effective October 1, 2022), if you choose to save your card for future transactions:
- Your card number is replaced with a tokenized reference (instrument ID) issued by the card network
- No actual card number is stored by KaHo or Cashfree — only the tokenized instrument ID is retained
- You may request deletion of your saved card token at any time by contacting us
- Tokenized cards can only be used on the KaHo Platform and cannot be reused on other merchant sites

**In Case of Payment Issues:**

If your payment fails or you encounter any issues:
- You may contact your bank directly for transaction-related queries
- Payment status is verified server-side through Cashfree's Order API — the final payment status is determined by Cashfree's `order_status` (PAID / ACTIVE / EXPIRED / TERMINATED), not by the browser
- All payment disputes can be escalated as per RBI guidelines and the Banking Ombudsman Scheme
- You have the right to file payment disputes through your bank's grievance redressal mechanism
- For Cashfree-specific transaction issues, you may also contact Cashfree support at [support@cashfree.com](mailto:support@cashfree.com)

**Refunds:**

Refunds, where applicable, are processed back to the original payment method through Cashfree's refund API. Refund processing time depends on your bank and typically takes 5–7 business days. Refunds are governed by the refund policy in Section 4 and RBI guidelines.

**Invoice and Record Keeping:**

For your records and internal audit purposes:
- A GST-compliant tax invoice will be generated and sent to your email for every successful payment
- The invoice includes KaHo's GSTIN (10AAMCK6057A1ZY), payment details, and GST breakdown
- We maintain complete transaction records (including Cashfree order ID and payment ID) for audit and compliance purposes
- All financial records are maintained in accordance with Indian tax laws and RBI guidelines

**Legal Compliance:**

KaHo maintains proper financial records and documentation as required by law. This ensures transparency and compliance with Indian regulatory requirements. All payment transactions are conducted through Cashfree Payments, an authorized payment aggregator licensed by the RBI, providing you with consumer protection rights under Indian banking laws including the Payment and Settlement Systems Act, 2007.

## 5. Data Security, Privacy, and Compliance

**Data Security:** KaHo implements industry-standard security measures to protect Client Data:

- **Encryption:** All data is encrypted in transit using TLS 1.3+ and at rest using AES-256 encryption
- **Infrastructure:** Platform hosted on SOC 2 Type II compliant cloud infrastructure with redundant data centers
- **Access Controls:** Multi-factor authentication (MFA), role-based access control (RBAC), and audit logging for all administrative actions
- **Network Security:** Web application firewall (WAF), DDoS protection, and regular penetration testing
- **Data Backups:** Automated daily backups with 30-day retention and point-in-time recovery capabilities
- **Monitoring:** 24/7 security monitoring, intrusion detection systems (IDS), and incident response procedures
- **Vulnerability Management:** Regular security audits, dependency scanning, and timely security patch deployment

**Privacy and Compliance:** We are committed to protecting student privacy and maintaining compliance with:

- **DPDP Act 2023:** Digital Personal Data Protection Act, 2023 for data protection and privacy rights in India
- **IT Act 2000:** Information Technology Act, 2000 and its amendments for electronic records and cyber security
- **SPDI Rules:** Information Technology (Sensitive Personal Data or Information) Rules, 2011
- **POCSO Act:** Protection of Children from Sexual Offences Act compliance for minor data protection
- **RTE Act:** Right of Children to Free and Compulsory Education Act compliance for educational records

**Data Ownership and Portability:** You retain all ownership rights to Client Data. KaHo claims no intellectual property rights over your data. You may export your data at any time in standard formats (CSV, JSON, PDF). Upon account termination, we will securely delete your data within 90 days unless legally required to retain it.

**Data Deletion and Institution Contact Person:** Institutions may request deletion of all Client Data associated with their account at any time. The DELETE action permanently removes all data belonging to the institution from active Platform systems. Before initiating a deletion, the Institution may download or export its data in standard formats. Only the registered Institution Contact Person (or their duly authorized successor) is authorized to request or confirm a complete data deletion; KaHo will verify the identity and authority of the requestor before processing. Deleted data will be removed from active systems within 90 days, although backup copies may be retained for the applicable backup retention period and then securely purged. We may retain certain data where required by applicable law or for legitimate legal, audit, or security purposes.

**Third-Party Sharing:** We will never sell, rent, or trade your data. We only share data with third-party service providers (e.g., payment processors, SMS gateways) who are contractually bound to maintain confidentiality and security. We will disclose data only when required by law or valid legal process.

**Data Breach Notification:** In the event of a data breach affecting your account, we will notify you within 72 hours of discovery and provide details of the incident, affected data, and remediation steps.

**Best and Secure Privacy Practices:** KaHo defines and maintains the best and most secure privacy and data protection standards for education technology. We implement privacy-by-design and security-by-design principles, including data minimization, purpose limitation, transparent data processing, strict access controls, encryption, and regular audits, to ensure that student and institutional data is handled with the highest level of care and in full compliance with Indian data protection laws.

## 6. Client Responsibilities and Acceptable Use

**Account Security:** You are responsible for:

- Maintaining the confidentiality of all account credentials, API keys, and authentication tokens
- Implementing strong password policies and enabling multi-factor authentication for all users
- Immediately notifying KaHo of any suspected unauthorized access or security breach
- Ensuring that only authorized personnel access the Platform and student data
- Regularly reviewing user permissions and deactivating accounts for terminated employees

**Data Accuracy:** You warrant that all information provided to the Platform is accurate, complete, and current. You are responsible for maintaining the accuracy of student records, grades, and other institutional data.

**Student Data and Documents:** All student data, academic records, documents, and any content uploaded or stored on the Platform are created, updated, maintained, and owned by the Client institution. KaHo Technologies does not create, update, modify, or verify student data or documents. If any student data or document is missing, incomplete, inaccurate, or needs correction, please contact the respective institution directly.

**Prohibited Activities:** You agree NOT to:

- Violate any applicable laws, regulations, or third-party rights
- Upload, transmit, or distribute malware, viruses, or malicious code
- Attempt to gain unauthorized access to the Platform or other users' accounts
- Conduct security testing, penetration testing, or vulnerability scanning without written permission
- Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform
- Use automated tools (bots, scrapers, crawlers) to access the Platform without authorization
- Interfere with or disrupt the Platform's operation or infrastructure
- Remove, obscure, or alter any proprietary notices (copyright, trademark, etc.)
- Sublicense, resell, rent, lease, or otherwise commercialize access to the Platform
- Use the Platform to store or transmit illegal content, including child exploitation material
- Engage in any activity that violates student privacy rights or applicable education laws

**Compliance:** You agree to comply with the DPDP Act 2023, IT Act 2000, and all other applicable Indian privacy and education laws when using the Platform. You are responsible for obtaining necessary consents for data collection and processing in accordance with Indian law.

**Violations:** We reserve the right to suspend or terminate accounts that violate this Acceptable Use Policy, with or without notice, in our sole discretion.

## 7. Intellectual Property Rights

**KaHo's Intellectual Property:** The Platform, including all software, source code, algorithms, user interfaces, designs, graphics, logos, text, documentation, and underlying technology, is the exclusive property of KaHo Technologies (OPC) Pvt. Ltd. and is protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

All rights not expressly granted in this Agreement are reserved by KaHo. You acknowledge that the Platform contains valuable trade secrets and proprietary information, and you agree not to:

- Copy, reproduce, modify, adapt, translate, or create derivative works based on the Platform
- Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or algorithms
- Remove, alter, or obscure any copyright, trademark, or other proprietary notices
- Use KaHo's trademarks, service marks, or branding without written authorization
- Frame, mirror, or embed the Platform on other websites without permission

**Client Content:** You retain all intellectual property rights to data, content, and materials you upload to the Platform ("Client Content"). By uploading Client Content, you grant KaHo a limited, non-exclusive, royalty-free, worldwide license to use, store, process, and display such content solely for the purpose of providing the Platform services. This license terminates when you delete the content or close your account, except for archived backup copies retained for disaster recovery.

**Feedback:** If you provide suggestions, ideas, or feedback about the Platform ("Feedback"), you grant KaHo an unrestricted, perpetual, irrevocable, royalty-free license to use, modify, and incorporate such Feedback without compensation or attribution.

**Trademarks:** "KaHo," the KaHo logo, and other marks are trademarks of KaHo Technologies (OPC) Pvt. Ltd. Unauthorized use of these marks is strictly prohibited and may violate trademark laws.

## 8. Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access to the Service. We may perform scheduled maintenance with advance notice. We are not liable for any damages resulting from service interruptions.

## 9. Termination

You may cancel your subscription at any time. Upon cancellation, you will continue to have access until the end of your current billing period. We reserve the right to suspend or terminate accounts that violate these terms.

## 10. Disclaimers and Limitation of Liability

**WARRANTY DISCLAIMER:** THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, KAHO DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

- IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
- WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES
- WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT OR DATA
- WARRANTIES THAT DEFECTS OR ERRORS WILL BE CORRECTED

We do not warrant that the Platform will meet your requirements or expectations. You use the Platform at your own risk and are solely responsible for any damage to your systems or loss of data.

**LIMITATION OF LIABILITY:** TO THE MAXIMUM EXTENT PERMITTED BY LAW:

- IN NO EVENT SHALL KAHO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR REPUTATIONAL HARM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
- KAHO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO KAHO IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ₹10,000 INR
- THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE

**EXCEPTIONS:** Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the above exclusions and limitations shall apply to the fullest extent permitted by applicable law.

**INDEMNIFICATION:** You agree to indemnify, defend, and hold harmless KaHo and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your violation of this Agreement; (b) your violation of any law or third-party rights; (c) your Client Content; or (d) your use or misuse of the Platform.

## 11. Modifications to Terms and Platform

**Terms Modifications:** KaHo reserves the right to modify, update, or replace this Agreement at any time in our sole discretion. Material changes will be communicated via:

- Email notification to your registered email address at least 30 days before the effective date
- In-app notification banner upon your next login
- Updated "Last Modified" date at the top of this Agreement

Your continued use of the Platform after the effective date constitutes acceptance of the modified terms. If you do not agree to the modifications, you must discontinue using the Platform and may terminate your account.

**Platform Modifications:** We may modify, suspend, or discontinue any aspect of the Platform (including features, functionality, or integrations) at any time with or without notice. We will use commercially reasonable efforts to notify you of material changes that negatively impact core functionality at least 30 days in advance.

We are not liable for any modification, suspension, or discontinuation of the Platform or any features thereof.

## 12. Dispute Resolution and Governing Law

**Governing Law:** This Agreement shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. The courts of Muzaffarpur, Bihar shall have exclusive jurisdiction over any disputes.

**Arbitration Agreement:** Any dispute, claim, or controversy arising out of or relating to this Agreement or the Platform shall be resolved through binding arbitration administered by the Indian Council of Arbitration (ICA) under its Arbitration Rules. The arbitration shall be conducted in English in Muzaffarpur, Bihar, or remotely via videoconference. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction in India.

**Exceptions to Arbitration:** Either party may seek equitable relief (injunction, restraining order) in court to prevent unauthorized use or disclosure of intellectual property or confidential information.

**Class Action Waiver:** You agree that disputes will be resolved on an individual basis only. You waive any right to participate in a class action, class arbitration, or representative action.

**Jurisdiction:** To the extent arbitration does not apply, you consent to the exclusive jurisdiction and venue of the courts located in Shakarwara Sabik, Gaighat, Muzaffarpur, Bihar, India for any legal proceedings.

## 13. Miscellaneous Provisions

**Entire Agreement:** This Agreement, together with the Privacy Policy and any applicable Order Forms, constitutes the entire agreement between you and KaHo and supersedes all prior agreements, understandings, and communications.

**Severability:** If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid.

**Waiver:** No waiver of any provision shall be deemed a further or continuing waiver. KaHo's failure to enforce any right or provision does not constitute a waiver of that right.

**Assignment:** You may not assign or transfer this Agreement without KaHo's prior written consent. KaHo may freely assign this Agreement in connection with a merger, acquisition, or sale of assets.

**Force Majeure:** Neither party shall be liable for failure to perform due to causes beyond its reasonable control, including natural disasters, war, terrorism, pandemics, labor disputes, or internet/telecommunications failures.

**Export Controls:** The Platform is subject to Indian export control laws and regulations. You agree not to export, re-export, or transfer the Platform to any prohibited country, entity, or person as designated by Indian law.

**Relationship:** This Agreement does not create a partnership, joint venture, employment, or agency relationship between you and KaHo.

## 14. Contact Information

For questions, concerns, or notices regarding this Agreement, please contact us:

- **General Inquiries:** [care@kahotech.com](mailto:care@kahotech.com)
- **Legal & Compliance:** [care@kahotech.com](mailto:care@kahotech.com)
- **Privacy & Data Protection:** [care@kahotech.com](mailto:care@kahotech.com)
- **Security Incidents:** [care@kahotech.com](mailto:care@kahotech.com)
- **Phone:** [+919199991724](tel:+919199991724)
- **Mailing Address:** KaHo Technologies, Shakarwara Sabik, Gaighat, Muzaffarpur, Bihar, India

For formal legal notices, please send via registered post to the address above or email [care@kahotech.com](mailto:care@kahotech.com) with "LEGAL NOTICE" in the subject line.

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### 📋 Summary (Not Legally Binding)

This Agreement establishes the legal relationship between you and KaHo for using our educational management platform. Key highlights include: (1) We protect your data with enterprise-grade security and comply with DPDP Act 2023 and IT Act 2000; (2) You own your data and can export it anytime; (3) You're responsible for account security and lawful use; (4) Our liability is limited to your subscription fees; (5) Disputes are resolved through binding arbitration in India. For complete terms, please read the full Agreement above.

By creating an account, accessing the Platform, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Client Terms and Conditions and our Privacy Policy.

© 2026 KaHo Technologies (OPC) Pvt. Ltd. All rights reserved. This is a legally binding agreement. Please retain a copy for your records.