Terms & Conditions

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1. Agreement

These Terms form a contract between (operated by , ; "Cliqpe", "we") and the business that registers an account (the "Company", "you"). By registering, ticking the acceptance box or using the software you agree to these Terms and our Privacy Policy. If you accept for a business, you confirm you are authorised to do so.

2. The service

Cliqpe is cloud software for recording and managing gold and silver loans, pledges, repayments, releases, auctions, deposits, expenses, accounts and reports, with company dashboards, user roles and printable forms. We may add, change or remove features. Modules available to you depend on your plan.

3. Accounts and security

• You are responsible for all activity under your Company's users. Keep passwords confidential, create separate users for each staff member and lock users who leave.
• You must give accurate registration details and keep your email current.
• Tell us immediately about any suspected unauthorised access.

4. Free trial, plans and payment

• New Companies get a free trial of the period shown at registration. No payment card is needed.
• After the trial, continued use needs a paid plan. Fees, plan period and included features are as agreed with us or shown in your invoice. Prices may include GST where applicable, as shown on the invoice.
• Subscriptions do not renew automatically; we will remind you before expiry. If a subscription expires the account becomes read-locked until renewed, and your data is kept as described in the Privacy Policy.
• Refunds:

5. Your responsibilities as a lender

• You are solely responsible for holding every licence, registration and approval needed for your business (for example a money-lender or pawn-broker licence under the applicable State law, NBFC or cooperative registration), and for complying with all laws that apply to you, including interest-rate, KYC, receipt, auction-notice, tax and consumer-protection rules.
• Cliqpe is a record-keeping and calculation tool. It does not give legal, financial, tax or regulatory advice. Interest calculations, eligibility (loan-to-value) figures, auction values, reports and printed forms use the rates and rules you configure. You must check them, and the legal wording of the pledge, release and auction forms and terms, before relying on them.
• You must have a lawful basis, and any required consent, for the personal data and photographs of your customers that you enter, and you must handle their requests under data-protection law.

6. Your data

You own the data you enter. You give us permission to host and process it solely to provide the service. You can export data using the export tools in the software. You are responsible for keeping your own regular backups/exports; although we take reasonable steps to protect data, we do not guarantee that data can always be recovered.

7. Acceptable use

You must not: break the law; use the service for fraud, illegal lending practices or harassment; upload malware or unlawful content; try to access other Companies' data; probe or overload our systems; resell or share the software, or copy, reverse-engineer or build a competing product from it, without our written permission.

8. Support

Support is provided through the Support tab (tickets) and email on business days, during normal business hours (Indian time). Response times are targets, not guarantees. Support does not include legal or accounting advice or custom development unless agreed in writing.

9. Availability and changes

We aim for reliable service but do not promise uninterrupted or error-free operation. We may carry out maintenance and updates, and may change these Terms by posting the new version and, for material changes, notifying you. If you keep using the service after the effective date, you accept the changes.

10. Intellectual property

The software, design, logo and content (other than your data) belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use the software during your subscription for your own business operations. Your data and your company logo remain yours.

11. Suspension and termination

We may suspend or terminate an account for non-payment, breach of these Terms, unlawful use, or security risk, with notice where reasonably possible. You may stop using the service at any time and ask for deletion of your account. On termination you should export your data first; our retention and deletion practice is in the Privacy Policy.

12. Disclaimer

The service is provided "as is" and "as available". To the extent permitted by law we disclaim all warranties, including fitness for a particular purpose and accuracy of calculations or reports.

13. Limitation of liability

To the extent permitted by law, Cliqpe is not liable for indirect or consequential loss, loss of profit, loss of pledged articles or business, or loss of data, and our total liability for any claim is limited to the fees you paid us in the 12 months before the claim arose (or INR 10,000 if you are on a free trial). Nothing in these Terms limits liability that cannot be limited by law.

14. Indemnity

You agree to compensate us for claims, losses and costs arising from your breach of these Terms, your lending activities, or your customers' claims about data or photographs you entered.

15. Governing law and disputes

These Terms are governed by the laws of India. The courts at have exclusive jurisdiction, after the parties first try in good faith to resolve the dispute by discussion.

16. Contact

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Email: · Phone: