Legal
Terms & Conditions
Last updated: 19 July 2026
These terms apply when your firm uses GoldKhata. We have kept them short and in plain language — if anything is unclear, ask us on WhatsApp before you sign up.
1. What GoldKhata is
GoldKhata is software — a subscription service (SaaS) that gold loan and pawnbroking firms use to record their loans, customers, interest, pledge cards and reports.
GoldKhata is not a lender. We do not provide loans, hold pledged gold, handle your customers' money, or take part in any loan transaction. Every loan recorded in GoldKhata is strictly between your firm and its customer.
2. Plans and payment
| Plan | Monthly | Yearly |
|---|---|---|
| Starter | ₹499/month | ₹4,999/year |
| Pro | ₹699/month | ₹6,999/year |
| Advanced | ₹999/month | ₹9,999/year |
Every plan starts with a 30-day free trial with full features — you pay only if you decide to continue. Subscriptions are billed in advance, monthly or yearly, in Indian Rupees. Payments are processed securely by Razorpay.
3. WhatsApp charges
WhatsApp features (receipts, reminders, rate broadcasts) are available on the Pro and Advanced plans. Connecting your firm's own Meta WhatsApp Business account is a one-time integration charge of ₹999.
Per-message WhatsApp charges are set and billed by Meta directly to your Meta account. GoldKhata does not add any markup on messages.
4. Your account and responsibilities
- Give accurate firm and contact details when signing up.
- Keep your login credentials safe — activity under your account is your firm's responsibility.
- The loan and customer records your firm enters belong to your firm.
- Your firm remains responsible for its own legal compliance — money-lending and pawnbroking licences, interest-rate rules and record-keeping laws that apply to your business. GoldKhata is a record-keeping tool, not legal advice.
5. Service availability
We work to keep GoldKhata available at all times, on a best-effort basis. As an internet service, occasional downtime or maintenance is possible. Every firm's data is backed up nightly, and you can download a full Excel copy of your records any time.
6. Ending your subscription
You can cancel any time — service continues until the end of the period you have paid for. After that, your account becomes read-only: you can still see every record and download the full Excel export of your data. We never hold your data hostage.
7. Changes to these terms
We may update these terms as the service grows. If a change matters to your firm, we will tell you on WhatsApp or email before it takes effect.
8. Governing law
These terms are governed by the laws of India. Any dispute is subject to the jurisdiction of the courts of Karnataka.
9. Questions
Write to us at support@goldkhata.com or reach us through the contact page.