ZEALVERT® Consulting

Terms & Conditions

Zealvert® Consulting | Version 3.12 | Effective Date: 31 October 2026 | Last updated: 31 October 2026

Please read Section 5 before you subscribe. You sign in to ZealCA with your Google account, and your records open wherever you sign in. There is no separate password, key or code. Whoever can sign in to your Google account can open your records, so keep that account secure, with 2-Step Verification switched on.

Language. This document is published in English. Every consent notice we give you is available in English and in any language listed in the Eighth Schedule to the Constitution of India, as Section 5(3) of the Digital Personal Data Protection Act, 2023 requires. If you would also like this document itself in an Eighth Schedule language, write to consult@zealvert.com and we will send you a translation free of charge within 15 working days.

Version 3.12 (31 October 2026) changes Section 4B.1 for Kranzar in name only: the Deals radar is now called Deal velocity. Nothing else changes.

Version 3.11 (26 October 2026) changes Sections 4B.1, 4B.10, 6 and the paragraph on termination for Kranzar. Every plan - Pro, Business and Enterprise - is now bought at once, and the refund guarantee of the first payment within 14 days, no questions asked, applies to every plan. The free trial is a separate account of 14 days with its own limits, no longer a trial of Pro. Nothing else changes.

Version 3.10 (22 October 2026) changes Section 4B.2 for Kranzar: an upgrade to a higher plan takes effect at once, with the difference for the days left of the current period charged then. Nothing else changes.

Version 3.9 (22 October 2026) changes Sections 4B.1, 4B.2, 4B.4, 4B.10 and the paragraph on termination for Kranzar. Kranzar is offered in three plans, Pro, Business and Enterprise. Only Pro has a free trial. Business and Enterprise are bought at once, with a full refund of the first payment of either plan if the Business Admin asks within 14 days, once for each Business. Pro payments remain not refundable. Nothing else changes.

Version 3.8 (20 October 2026) changes two things for Kranzar, in Sections 4B.1 and 4B.2. The free trial is 14 days for a Business started from 17 October 2026; a Business already on a trial keeps the end date it was given. The two plans are now called Pro and Business (until 19 October 2026 they were called Standard and Pro). Their prices and what each includes are shown in the application and on kranzar.com, and a running subscription keeps the price it was bought at until the Business Admin changes it. Nothing else changes.

Version 3.7 (last updated 21 September 2026) changes how ZealCA protects your records. ZealCA no longer encrypts records on your device with a passkey and six numbers. Records are now stored in readable form, protected by your Google sign-in, by keeping every account's records separate from every other's, and by encryption in transit and at rest. We made this change because a key that only the customer holds can be lost, and with it every record, permanently, and because a person leaving a business could take the business's records with them. Section 5 is rewritten and renamed, and Sections 1, 3.2, 4.5, 6, 8, 8.4, 9.2, 9.3 and 10 are brought into line with it. Version 3.7 also describes four new things: bill photographs are made smaller before they are stored (Section 5.6), deleting a record no longer destroys it at once (Section 5.7), every change to a record is kept with the name of whoever made it (Section 5.8), and you are emailed when your account is signed in to on a device it has not used before (Section 5.3). No fee, refund right or notice period is changed. No ZealCA account held any record when this change was made, so no customer's records were affected by it. Nothing about Kranzar or Zealvert Payslips Processor is changed.

Version 3.6 (last updated 21 September 2026) covers three changes to Kranzar. Section 4B.4A now describes a second AI feature, Capture an enquiry, which reads a message you paste or a voice note you record so that a deal form can be filled in; unlike Ask, what you paste or record is sent to the AI service, and the feature is off unless your Business turns it on. New Section 4B.8A states that deleting a deal or a product no longer destroys it at once: it goes to a recycle bin your team can see and put back, and it is destroyed for good only when the Business Admin approves it by email. Section 4B.8 is corrected: we now take a weekly off-site backup of the Kranzar database and of uploaded documents, where that Section previously said documents were not backed up. No fee, refund right or notice period is changed, and nothing about ZealCA or Zealvert Payslips Processor is changed.

Version 3.5 (last updated 21 September 2026) removes the terms for a product we no longer offer, including its former Section 4A, its definitions and its eligibility paragraph. Nothing about ZealCA, Kranzar or Zealvert Payslips Processor is changed, and no other section number has moved.

Version 3.4 (last updated 20 September 2026) changes refunds for ZealCA. Payments for ZealCA are not refundable, except where a refund is required by applicable law, because a free trial lets you evaluate ZealCA before you pay (Section 4.3); Sections 4.8, 8.2, 9.1 and 14 say so where they would otherwise give a refund. This applies to every ZealCA Subscription started on or after 20 September 2026. For a Subscription started before that date it takes effect on 20 October 2026, which is the 30 days of notice Section 14 promises. No existing section number has moved and nothing about Kranzar or Zealvert Payslips Processor is changed. Version 3.3 (last updated 17 September 2026) added Kranzar, our sales CRM web application for small businesses, in Sections 1, 2, 3.2A, 3.2B, 4B, 8.7 and 9.5, and names Kranzar where the lists of our products appear in Sections 6, 7, 10, 11 and the contact details. Payments for Kranzar are not refundable, except where a refund is required by applicable law, because a free trial lets you evaluate Kranzar before you pay (Section 4B.10); Sections 8.7, 9.1 and 14 say so where they would otherwise give a refund, and Section 12 explains how Kranzar shows these Terms. The Kranzar sections apply to Kranzar from 17 September 2026, because they concern a new product and change nothing for any existing customer; every other part of this version takes effect on 10 October 2026, as announced for Version 3.2. No existing section number has moved and nothing about ZealCA or Zealvert Payslips Processor is changed. Version 3.2 (10 October 2026) replaces Version 3.1. It states what now happens to a ZealCA account after a subscription ends: 30 days in which you may read and export everything but not add to it, weekly reminders to download, and erasure within 48 hours after that (Sections 9.2 and 9.3). Closing your own account is no longer immediate: it takes effect 48 hours after you ask and may be withdrawn inside those hours, which is a protection rather than a delay. Section 4.5 is rewritten because an entry allowance may now be counted per calendar month, in which case reaching it closes that month only and nothing becomes read-only. No fee, refund right or notice period is changed. Version 3.0 (29 August 2026) introduced ZealCA, our hosted transaction record-keeping application, and stated in Section 5 the consequences of the end-to-end encryption it used at that time, which Version 3.7 has since removed. This document remains aligned with the Digital Personal Data Protection Act, 2023 and its 2025 Rules, the Consumer Protection (E-Commerce) Rules, 2020, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 as amended in 2026.

Please read these Terms carefully before using our website, subscribing to our software, or engaging our services. By doing any of those things, you agree to be bound by them.

These Terms are a legally binding agreement under the Indian Contract Act, 1872, the Information Technology Act, 2000, and other applicable Indian laws.

1. Definitions

Where these Terms and a signed Agreement conflict, the signed Agreement prevails for that engagement.

2. Eligibility

By using our website, subscribing to ZealCA, or engaging our services, you confirm that you are at least 18 years old, legally competent to enter into a contract under the Indian Contract Act, 1872, and authorized to represent your organization if you are acting for one.

ZealCA may not be used by anyone under 18. If we learn that a child holds an account, we will suspend the account immediately and delete the child's personal data.

Kranzar may not be used by anyone under 18, on the same terms. A person who creates a Business confirms that they are authorized to act for the business it represents.

Your account is personal to you. Do not share your Google sign-in or a device on which you are signed in. Give staff their own access from the Team Members screen rather than sharing yours. You are responsible for everything done through your account.

3. What we provide

3.1 Professional services. Consulting, Applied AI education, business process quality, project management and related professional services, as described in the relevant Agreement.

3.2 ZealCA. A hosted application for recording day-to-day business transactions and exporting them, in the edition you subscribe to. Each account's records are kept separate from every other account's, and no account can read, change or delete another account's records. Editions differ in the number of entries they hold and in how far back a past-dated entry may be edited; the limits applying to each edition are those shown in the application at the time you subscribe.

3.2A Kranzar. A sales CRM web application for MSMEs and small businesses. A customer creates a Business, and its Business Admin may invite Team Members with the user types admin, supervisor, user and viewer. A Business can record prospects and their progress through sales stages, follow-up dates and notes; keep a list of products with prices, cost, stock and expiry; attach documents to records; save filters; and exchange team messages and notifications. Sign-in is only with a Google account. The plans, and the limits applying to each plan and to the free trial, are those shown in the application at the time you subscribe.

3.2B What Kranzar is not. Kranzar is a tool for recording and following up your own sales work. It is not an accounting, audit or tax-filing service, and it does not give business, legal or tax advice. You are responsible for the accuracy of everything you enter, and for having a lawful basis to record the personal data of your prospects and team (Section 8.7).

3.3 Desktop software. Zealvert Payslips Processor and similar applications, distributed through the Microsoft Store and governed additionally by that store's own terms.

3.4 What ZealCA is not. ZealCA is a record-keeping tool. It is not an accounting, audit, book-keeping or tax-filing service, and it does not give tax advice. Its exports are summaries of what you entered; they are not statutory records and not GST-compliant tax documents. You are responsible for the accuracy of everything you enter and for your own statutory filings, and you should have your accountant review them.

3.5 We do not guarantee specific outcomes. Our advisory, educational and software services support your own decisions. ZealCA states facts drawn from your own data; it does not give advice, and you remain responsible for every decision you take.

4. ZealCA subscriptions

4.1 The free trial, and what happens at the end of it. A new account begins on a free trial. Its entry allowance and its length are stated in the application at signup. A trial never converts into a paid subscription automatically. We ask you explicitly before any charge is made, and we do not use pre-ticked boxes.

A trial account is deleted automatically, and the deletion is permanent. If you do not subscribe before the trial ends, your account and every record in it are permanently erased by an automated process. We warn you before that happens - inside the application, and by email to the address on your account once email notices are in service - and you may export everything at any time from the Export screen. Once erased, nothing can be recovered - not by you, and not by us. Export first if you want to keep anything.

4.2 Term and renewal. A Subscription runs for the term stated at purchase, which is monthly, quarterly or annual, and renews for successive terms of the same length unless canceled. We give you a renewal reminder at least 7 days before each renewal charge, stating the amount and the date. We send that reminder to the email address on your account, or show it inside the application, or both. Keeping a working email address on your account is therefore how you stay informed about renewals; see Section 3.2 of our Privacy Policy for what else we use it for and what we never use it for.

Where you pay by e-mandate (an automatic payment you set up on a card, bank account or UPI), your card issuer or bank will send you a pre-debit notification at least 24 hours before each debit, stating our name, the amount, the date and the mandate reference, as required by the Reserve Bank of India's Digital Payments - E-mandate Framework, 2026. Recurring debits up to ₹15,000 are processed without additional authentication; above that amount you will be asked to authenticate each debit. You may modify or withdraw the e-mandate at any time through your bank or card issuer, without reference to us. Withdrawing the mandate stops future debits but does not by itself cancel your Subscription, so please also tell us.

4.3 Cancelling. You may cancel at any time, from within the application or by writing to consult@zealvert.com. Cancelling is no harder than subscribing - no phone call, no retention conversation, no reason required. Cancellation stops the next renewal, and access continues to the end of the period already paid. Payments for ZealCA are not refundable, in full or in part, including for any unused part of a period, except where a refund is required by applicable law. The free trial in Section 4.1 exists so that you can evaluate ZealCA before you pay. The detail is in our Cancellation and Refund Policy.

4.4 Price changes. We may change subscription prices. Any change applies from your next renewal only - never mid-term - and we will tell you at least 30 days beforehand. If you do not accept the new price, cancel before it takes effect and you pay nothing more.

4.5 Reaching your entry limit. Each plan allows a stated number of entries. Where that allowance is counted per calendar month, reaching it closes only that month: you may still record entries dated in any other month, and every existing record stays intact and exportable. Where it is counted over the life of the account, reaching it means no new entry can be added until you move to a larger plan or remove entries. We do not delete anything because a limit was reached. A record you have deleted still counts until it is erased for good (Section 5.7).

4.6 Suspension. We may suspend a Subscription for non-payment, for a breach of Section 6, or where the law requires. Except in an emergency or where the law requires immediate action, we will give notice and a reasonable opportunity to fix the problem first. During suspension for non-payment you keep the ability to sign in and export your records.

4.7 Availability. We aim to keep ZealCA available at all times, but we do not warrant uninterrupted or error-free operation. We give reasonable advance notice of planned maintenance where we can.

4.8 Changes to the service. We improve the application continuously. We will not remove a material feature you are paying for without at least 30 days' notice. If we do, you may cancel the automatic renewal, but no refund is given (Section 4.3).

4B. Kranzar Subscriptions

4B.1 The free trial, and what happens at the end of it. A new Business may begin on a free trial of 14 days, with its own limits, which include limited use of Kranzar AI and no Deal velocity. The length may change, and the length that applies to you is the one shown at sign-up. A trial has limits on the number of records, products and Team Members and on storage, which are shown in the application. No payment details are needed for the trial, and a trial does not turn into a paid Kranzar Subscription unless the Business Admin subscribes. Every plan is bought at once: when the Business Admin buys a plan, during the trial or after it, the first charge is taken at once, the paid period starts that day and the trial ends. We send reminder emails before the trial ends.

At the end of a trial the Business becomes read-only, and if you do not subscribe its data is later deleted permanently. After the retention period in Section 9.5, currently 6 months, all data of the Business, including sales records, products, documents, team and logs, is permanently deleted. We send a final warning email before deletion. Once deleted, nothing can be recovered, by you or by us. Download what you want to keep first.

4B.2 Plans, prices and payment. Kranzar is offered in three plans, Pro, Business and Enterprise, each billed monthly or yearly. Prices are shown in Indian Rupees and include GST, and no charge is added at checkout that was not shown in the price you saw. Payments are processed by Razorpay through zealvert.com, and Razorpay issues the invoice for each payment, which shows the product name Kranzar.com. The Business Admin may change the plan or the billing period inside the application, from Settings, Subscription; an upgrade to a higher plan takes effect at once, with the difference between the two plans for the days left of the current period charged then and the higher price from the next renewal; any other change takes effect from the next renewal, at the price then current. Extra users: each plan includes a number of users, and the Business Admin may add extra users, up to the ceiling shown in the application, at the price per extra user shown there. Extra users are available at once; the price for the days left in the current period is charged with the next invoice or, where the payment method cannot change its amount (for example a UPI mandate), paid on the payment page when the new mandate is approved, and from the next renewal the renewal amount includes them. A reduction in extra users takes effect from the next renewal. The invoice for each payment can be opened from our confirmation email and from Settings, Subscription, Payment history. Card and bank details go to Razorpay and are never received or stored by us.

4B.3 Term and renewal. A Kranzar Subscription runs for the term stated at purchase and renews automatically for successive terms of the same length, through a card or UPI mandate set up with Razorpay, until it is cancelled. We send a renewal reminder by email 7 days before, and again 1 day before, each renewal date, to the email address of the Business Admin. These reminders are separate from the pre-debit notification that Razorpay or your bank sends under the Reserve Bank of India's e-mandate rules. The second paragraph of Section 4.2, about pre-debit notifications and your right to modify or withdraw a mandate, applies to Kranzar as it applies to ZealCA.

4B.4 Cancelling. The Business Admin may cancel the automatic renewal at any time, inside the application from Settings, Subscription, or by writing to consult@zealvert.com. Cancelling is no harder than subscribing - no phone call, no retention conversation, no reason required. Access continues until the end of the period already paid for, after which the Business becomes read-only. No refund is given for the period already paid (Section 4B.10), except under the refund guarantee of the first payment of a plan in that Section.

4B.4A AI features. Kranzar uses an AI service (OpenAI) in two places, and only when a user asks it to. Ask in plain words turns a question typed in the search box into a filter; only the question and the names of columns, progress stages, team members and product categories are sent, and records are never sent. Capture an enquiry reads a message a user pastes, or a voice note they record, and fills in a new deal form; what the user pastes or records is sent to the AI service, because reading it is the purpose of the feature, together with the names of your products and of your team. Your saved records are still never sent. Capture is off unless it is switched on for your Business. Both results are suggestions: check the filter shown above the table, and check every field Capture fills in - particularly a telephone number, an email address or an amount - before you rely on it or save it. Nothing Capture suggests is saved until the user presses Create. The number of AI requests per business per month is limited, and we see the count and cost, not the content; when a limit is reached, the ordinary search and filters continue to work. The Business Admin may switch all AI features off from Settings, Business. See the Privacy Policy, Section 14A.

4B.5 Price changes. We may change Kranzar prices. Any change applies from your next renewal after notice only - never mid-term - and we will tell you at least 30 days beforehand. If you do not accept the new price, cancel before it takes effect and you pay nothing more.

4B.6 The Business Admin and the team. The Business Admin may invite Team Members and give each of them one of the user types admin, supervisor, user or viewer. Each person signs in with their own Google account; logins must not be shared. The customer is responsible for who it invites, for the user type it gives them, for removing people who should no longer have access, and for everything done in the Business by its Team Members.

4B.7 Locking a Business. We may lock a Business, which makes it read-only, for misuse, for a breach of Section 6, or for unpaid dues. Except in an emergency or where the law requires immediate action, we will give notice and a reasonable opportunity to fix the problem first.

4B.8 Backups and uploaded documents. The Kranzar database can be restored to an earlier point within a limited period (currently up to 30 days). We also take a weekly off-site copy of the Kranzar database and of uploaded documents and keep the last 12 such copies, used only to restore the service after a failure or a mistaken deletion. This replaces our earlier statement that uploaded documents were not backed up. These copies are ours and are not a service to you: they are not a substitute for your own records, we do not restore a single record from them on request, and you should still keep your own copy of any document you consider important.

4B.8A Deleting a deal or a product. When anyone in your Business deletes a deal or a product, it is not destroyed at once. It is moved to Deleted records, where your team can see it and anyone may put their own records back at any time. Only the Business Admin can have a record destroyed for good, and only by using the one-time link Kranzar emails them; the Admin decides one person's records at a time, and Kranzar says plainly when that person is no longer in your team. Anything the Admin does not choose to destroy is put back. A record waiting in Deleted records still counts towards your plan's limits, because it is still being kept for you. Destroying a record cannot be undone.

4B.9 Availability and changes. Section 4.7 applies to Kranzar as it applies to ZealCA, reading "Kranzar Subscription" for "Subscription". We will not remove a material feature of Kranzar that you are paying for without at least 30 days' notice. If we do, you may cancel the automatic renewal, but no refund is given (Section 4B.10).

4B.10 Refunds. Payments for Kranzar are not refundable, in full or in part, including for any unused part of a period, except where a refund is required by applicable law and except the guarantee below. The free trial in Section 4B.1 exists so that you can evaluate Kranzar before you pay. Refund guarantee, no questions asked: the Business Admin may ask for a full refund of the first payment for any plan, GST included, within 14 days of that payment, from Settings, Subscription, without giving a reason; it is given once for each Business and never for a renewal, and when it is made the automatic renewal is cancelled and the Business becomes read-only at once. This applies whether you cancel the automatic renewal, a renewal is charged that you did not intend to continue, we change the price or withdraw a feature, we lock a Business, end a Kranzar Subscription or discontinue Kranzar, or you do not accept a change to these Terms. Cancelling stops the next automatic renewal, and access continues to the end of the period already paid. The full detail is in Section 4B of our Cancellation and Refund Policy.

5. Your sign-in, your team, and your records

5.1 How you get in. You sign in to ZealCA with your Google account. Your records open on any phone or computer on which you sign in. There is no separate password, key or code to set up, remember or lose.

5.2 What this means. Your records are stored in readable form on our servers, so that the service can work for you on every device and for every member of your team. They are encrypted while they travel and while they are stored (Section 8), and each account's records are kept separate from every other's. We do not look at your records in the ordinary course. We access them only to provide, secure and support the service, on your instructions, or where the law requires it. Our own administration screens show account details, such as email addresses, plans and dates, and do not display any customer's records.

5.3 Your Google account is the key. Whoever can sign in to your Google account can open your records. Keep that account secure and recoverable, switch on 2-Step Verification, and lock your devices. We email you when your account is signed in to on a device it has not used before; if it was not you, sign out of every other device and secure your Google account. From the Devices screen you can sign out of every other device at once, which you should do if a phone or computer is lost, sold or shared.

5.4 Your team. You may give staff their own access. Each signs in with their own Google account, enters the invite code you give them, and is let in when you approve them. You may remove a person at any time, and their access ends at once. A person who leaves takes nothing the business needs: your records stay with your account. Anything they exported or wrote down before you removed them is, unavoidably, already theirs.

5.5 Keep your own copies. You should export your records regularly - to PDF, CSV or JSON, from the Export screen - and keep those exports with your own business records. We recommend this in the strongest terms for anything you consider business-critical. Indian tax law places the duty to keep books of account on you, not on us.

5.6 Bill photographs. When you attach a photograph of a bill, the application makes it smaller on your device before it is stored, so that it uploads quickly and costs less to keep. The original, full-size photograph is not kept by us. If you need the original, keep it yourself. Photographs and PDF files are accepted; other kinds of file are refused.

5.7 Deleting a record. Deleting a record does not destroy it at once. It is moved out of your books into Deleted records, with any bill photographs on it, where everybody in your business can see what was deleted, by whom and when. A bill photograph removed from a record waits in Deleted records in the same way. This is deliberate, so that a mistake or a departing employee cannot wipe a business's records. The person who deleted a record may put it back at any time, and so may the account holder. Only the account holder can erase a record for good, one person's deletions at a time, by confirming through a link we email to them. Until it is erased for good, a deleted record still counts towards your plan's entry limit (Section 4.5). We remind the account holder each day while deleted records are waiting. When an account is closed or erased under Section 9, deleted records are erased with everything else.

5.8 History of changes. When a record is changed, ZealCA keeps the version that was replaced, together with who changed it and when. Everybody in your business can see this history on the record itself. Nobody can remove a line from it. It is erased only when the record is erased for good (Section 5.7) or the account is erased (Section 9.3). We keep a limited number of earlier versions of each record, and always the first.

6. Acceptable use and prohibited content

You must not use ZealCA, Kranzar, or our website, to host, store, upload, publish, transmit or share anything that:

You must not attempt to access another account's data, probe or test the security of the service without our written permission, resell access without our written permission, or use the service to build a competing product.

A note on how we enforce this Section. We do not routinely monitor the contents of any account. We act on what is reported to us and on lawful orders, and where we must, we can inspect, produce or remove the content concerned, or suspend the account that holds it. For Kranzar we may also lock a Business under Section 4B.7.

Reporting. Anyone may report content or conduct that breaches this Section to consult@zealvert.com. We act within the timelines in Section 12.

Cooperation with authorities. We will remove or disable access to content within 3 hours of receiving an order from a court of competent jurisdiction, or a reasoned intimation from an authorized officer of the Appropriate Government or its agency. We will furnish information to an authorized government agency within 72 hours of a lawful order, and will preserve removed material and associated records for 180 days for investigation, or longer if required. What we furnish is limited to what a lawful order requires - which includes account, billing and technical records and, where the order reaches them, your Records.

7. Fees, payment and taxes

8. Data protection and processing terms

This Section is the contract required by Section 8(2) of the Digital Personal Data Protection Act, 2023, and applies whenever Client Data contains personal data.

8.1 Roles. For your own account and billing details - your name, email address, subscription and payment records - Zealvert is the Data Fiduciary.

For personal data of other people that you choose to record inside ZealCA - for example the name or GSTIN of a customer or a supplier - you are the Data Fiduciary and Zealvert is the Data Processor. We process that data only to provide the service to you: storing it, returning it to you and your team, backing it up, and erasing it when you ask or when your account ends. Our Privacy Policy explains both roles.

8.2 Our obligations as Data Processor. We will:

8.3 Your obligations as Data Fiduciary. You will:

8.4 What we hold. We hold your Records in readable form, together with your account details. Our Privacy Policy lists all of it. In summary:

8.5 Where the data is held. ZealCA runs on Cloudflare, and its database is located in Cloudflare's Asia-Pacific region. Full detail is in Section 5 of our Privacy Policy.

That transfer is made under Rule 7 of the SPDI Rules, 2011, which is the provision in force today: it is necessary for the performance of our contract with you, and is made under a written agreement requiring Cloudflare to maintain a level of data protection at least equivalent to those Rules. From 13 May 2027, when Section 16 of the DPDP Act and Rule 15 of the DPDP Rules take effect, it will additionally be subject to any requirement the Central Government specifies about making personal data available to a foreign State or its agencies, and to any notification restricting transfer to a particular country. No such notification has been issued as at the date of these Terms. If one is issued affecting the region we use, we will relocate the data and tell you before we do.

8.6 Liability. Each party remains responsible for its own obligations under the DPDP Act. Nothing in these Terms transfers your responsibility as Data Fiduciary to us, or ours as Processor to you.

8.7 Kranzar. Sections 8.1 to 8.6 are written for ZealCA. For Kranzar the following applies instead, where it differs.

9. Termination, data retrieval and erasure

9.1 Termination. Either party may terminate an engagement or Subscription by written notice; you may also cancel a Subscription from within the application, which has the same effect. We will terminate only for reasonable cause - non-payment, breach of these Terms, or a legal requirement - and will give notice and, where the breach can be fixed, a reasonable opportunity to fix it.

Upon termination, fees for work completed remain payable. Where you terminate for convenience, fees for the current Subscription term also remain payable, subject to our Cancellation and Refund Policy. Where we terminate for any reason other than your breach, non-payment or a legal requirement, we refund the unused portion of your paid Subscription term pro-rata.

For ZealCA, the preceding paragraph does not give a refund: payments for a ZealCA Subscription are not refundable on termination by either party, except where a refund is required by applicable law (Section 4.3).

For Kranzar, the preceding paragraph does not give a refund: payments for a Kranzar Subscription are not refundable on termination by either party, except where a refund is required by applicable law and except the refund guarantee of the first payment of a plan (Section 4B.10).

9.2 Retrieving your data - you must do this yourself. Client Data is kept for 30 days after termination. During that window you may sign in, read everything and export it from the Export screen, in PDF, CSV or JSON, though you may not add to it or change it. We remind you each week to download. Resuming your subscription at any point in the window stops the clock and the account carries on unchanged.

Exporting is yours to do. There is no arrangement under which you write to us and we send you a copy of your records. You can export everything yourself, at any time, from the Export screen, including during the 30 days after a subscription ends. Please do it regularly rather than rely on us as a fallback.

9.3 Erasure. You may close your account at any time, yourself, from the Danger Zone screen. Closure takes effect 48 hours after you ask, and you may withdraw the request inside those hours; after that it is irreversible. Otherwise, within 48 hours of the 30-day window in Section 9.2 closing, we erase your account rows from every database table that carries your identifier, together with your records, your deleted records, your history of changes and your bill photographs. Deleting only your transactions, and keeping the account, still takes effect immediately. Trial accounts are erased automatically as described in Section 4.1. We confirm erasure in writing on request.

9.4 Force majeure. Neither party is liable for failures to perform due to circumstances beyond reasonable control - natural disasters, pandemics, failures of a third-party hosting or telecommunications provider, or government acts.

9.5 Kranzar: read-only, download and deletion. Sections 9.2 and 9.3 are written for ZealCA. For Kranzar the following applies instead.

10. Limitation of liability

To the maximum extent permitted by Indian law, our total liability shall not exceed the fees paid by you in the three (3) months preceding a claim.

We are not liable for indirect, incidental or consequential damages, or for loss of profit, revenue, goodwill or anticipated savings, and we do not guarantee specific outcomes or results from our advisory, educational or software services.

We are not liable for access to your records by a person who signed in with your Google account, or with the Google account of a team member you approved, nor for records lost because a trial account was erased at the end of its trial after the warnings described in Section 4.1. Section 5.5 explains what you should do to protect yourself.

Likewise, we are not liable for Kranzar Data deleted after the retention period and the warnings described in Section 9.5, for data deleted at your request, or for uploaded documents deleted by you or your Team Members, which are not backed up (Section 4B.8).

Nothing in these Terms limits or excludes our liability for: fraud or fraudulent misrepresentation; wilful misconduct or gross negligence; death or personal injury caused by our negligence; breach of our confidentiality obligations; infringement of a third party's intellectual property by material we supply; any regulatory penalty, compensation order or Data Protection Board direction you incur as a direct result of our failure to implement the security safeguards required by Rule 6 of the DPDP Rules, 2025, or our breach of Section 8 of these Terms; or any liability that cannot lawfully be limited or excluded, including under the Consumer Protection Act, 2019.

For claims falling within the data-protection limb above, our aggregate liability shall not exceed the greater of (a) the fees you paid in the twelve (12) months preceding the claim, or (b) ₹50,000 (fifty thousand rupees). For all other claims the three-month cap applies.

You remain responsible for keeping your own independent records of any data you consider business-critical.

11. Indemnity

You will indemnify us against claims arising from Client Data that breaches Section 6, from your failure to establish the lawful basis required for personal data of another person that you record in ZealCA or Kranzar, and from use of the service in breach of these Terms. We will indemnify you against a claim that the service itself infringes a third party's intellectual property rights in India.

Neither indemnity applies where the claim arises from the other party's own breach. Your indemnity is subject to the same financial cap that applies to our liability under Section 10, and does not apply where you are a consumer within the meaning of Section 2(7) of the Consumer Protection Act, 2019.

12. Grievance Officer and Nodal Person

Grievance Officer
Name: Nasir Islam
Designation: Founder & Head - Grievance Officer
Email: consult@zealvert.com
Phone: +91 6393680341
Address: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India

Nodal Person of Contact (required by Rule 4(1)(b), Consumer Protection (E-Commerce) Rules, 2020 - a separate role from the Grievance Officer, responsible for compliance and for liaison with law enforcement agencies)
Name: Nasir Islam | Designation: Founder & Head - Nodal Person of Contact | Resident in India at: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Email: consult@zealvert.com | Phone: +91 6393680341

What we commit to. We will:

We show you these Terms, our Privacy Policy, and your right to have an account terminated for non-compliance, inside the application at least once every year, which is what Rule 3(1)(f) of the IT (Intermediary Guidelines) Rules, 2021 requires, and whenever these Terms change materially.

Kranzar is different. Kranzar shows its terms for acceptance once, at sign-up. After that, these Terms, our Privacy Policy and our Cancellation and Refund Policy remain available at any time through the links in the footer of every Kranzar page.

13. Governing law and dispute resolution

These Terms are governed by the laws of India. We will first try to settle any dispute by talking it through in good faith.

If a dispute is unresolved after 30 days, disputes between Zealvert and a business Client shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996 before a sole arbitrator, with the seat of arbitration at Lucknow, India, and the courts at Lucknow shall have exclusive jurisdiction over such disputes.

This paragraph does not apply where you are a consumer within the meaning of Section 2(7) of the Consumer Protection Act, 2019. If you are a consumer, arbitration applies only if you choose it after a dispute has arisen, and you keep your full statutory right to file before the District, State or National Commission having jurisdiction where you ordinarily reside or personally work for gain. Nothing in these Terms confines you to the courts or Commissions at Lucknow. Nothing here removes your right to complain to the Data Protection Board of India under the DPDP Act, 2023.

14. Amendments

We may modify these Terms. Where a change materially affects your rights or our obligations, we will give you at least 30 days' notice before it takes effect. If you do not accept the change you may terminate before it takes effect and receive a pro-rata refund of any unused paid Subscription term. This refund does not apply to ZealCA or to Kranzar: if you do not accept a change, you may cancel the automatic renewal before the change takes effect, and access continues to the end of the period already paid (Sections 4.3 and 4B.10).

Changes do not apply retrospectively to a Subscription term you have already paid for. Non-material changes - corrections, clarifications and updates to contact details - take effect on publication.

Updated Terms are published on this page with a revised effective date.

15. General

If any provision of these Terms is held unenforceable, the rest continue in force. A failure to enforce a right is not a waiver of it. You may not assign these Terms without our written consent; we may assign them to a successor of our business, on notice.

Legal and contact details

(Displayed as required by Rule 4(2), Consumer Protection (E-Commerce) Rules, 2020)

Legal name: Zealvert Consulting
Constitution and registration number: Sole proprietorship (proprietor: Nasir Islam), MSME/Udyam registered and GST-registered in India, UDYAM-UP-50-0094047
GSTIN: 09AATPI1884P2ZO
Principal geographic address of headquarters: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Branch addresses: We operate from the above address only and have no branches.
Websites: https://zealvert.com | https://zealca.in | https://kranzar.com
Customer care - email: consult@zealvert.com | phone: +91 6393680341 | fax: not applicable