Welcome to Ficare. By using Ficare, you agree to comply with the following Terms of Service. Please read these terms carefully as they govern your use of our services.

1. Acceptance of Terms

By accessing or using Ficare, you acknowledge and agree to these Terms of Service. If you do not agree with any part of these terms, please do not use Ficare.

2. Use of Services

• You may use Ficare for lawful purposes only.
• You agree not to engage in any activity that could harm Ficare, disrupt its functionality, or compromise the security of user data.

3. Privacy Policy

Your use of Ficare is also governed by our Privacy Policy. Please review it to understand how we handle user data and protect your privacy.

4. Account Registration

• To use certain features of Ficare, you may need to register an account.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate, current, and complete information during the registration process.

5. Financial Services

• Ficare provides financial services related to loans, deposits, chit funds, and accounting.
• You acknowledge that these services are provided for informational and transactional purposes and do not constitute financial advice.
• You are solely responsible for the use of our financial services, including any financial decisions made using Ficare.

6. Restrictions

• You may not decompile, reverse engineer, disassemble, or attempt to derive the source code of Ficare.
• You may not use Ficare for any unlawful or unauthorized purpose.
• You may not use Ficare to transmit any viruses, malware, or malicious code.

7. Copyright and Ownership

All content, trademarks, and intellectual property associated with Ficare are owned by Cholan Technologies LLP. You agree not to reproduce, distribute, or modify our content without our express permission.

8. Termination

We reserve the right to terminate your access to Ficare for any reason, including a breach of these Terms of Service.

9. Limitation of Liability

We are not liable for any direct, indirect, or consequential damages arising from your use of Ficare or the services provided.

10. Changes to Terms

We may revise these Terms of Service from time to time. Any changes will be posted on our website, and the effective date will be updated accordingly.

11. Contact Us

If you have any questions or concerns regarding these Terms of Service, please contact us at contact@cholan.tech. By using Ficare, you agree to these Terms of Service and acknowledge your responsibility to comply with them.