Bahiyo · Legal

Terms of Use

Last updated: 19 June 2026

Operated by Picasa Exhibition Private Limited

Effective Date: 19 June 2026 Version: 1.0 Last Updated: 19 June 2026

These Terms of Use (“Terms”) are a legally binding agreement between you (“you”, “your”, “Customer”, or “User”) and Picasa Exhibition Private Limited, a company incorporated under the Companies Act, 2013 (CIN: U82300UP2025PTC216737), having its registered office at C-217, Sector-63, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301 (“Company”, “we”, “us”, or “our”). The Company owns and operates Bahiyo, a cloud-based accounting and bookkeeping application available at https://bahiyo.com and https://app.bahiyo.com (collectively, the “Service”).

Please read these Terms carefully before using the Service. They should be read together with our Privacy Policy and our Refund & Cancellation Policy, each of which is incorporated into these Terms by reference.

These Terms are published in English. Where we make available a summary or translation in Hindi or another language specified in the Eighth Schedule to the Constitution of India, the English version will prevail in the event of any conflict.

1. Acceptance of Terms

1.1 By creating an account, accessing, subscribing to, or using the Service in any manner, you confirm that you have read, understood, and agree to be bound by these Terms, the Privacy Policy, and the Refund & Cancellation Policy.

1.2 If you do not agree to these Terms, you must not access or use the Service.

1.3 If you are using the Service on behalf of a business, firm, company, or other entity, you represent and warrant that you are authorised to bind that entity to these Terms, and “you” and “Customer” shall refer to that entity.

1.4 We may require you to expressly accept these Terms (for example, by clicking “I Agree” or by completing registration) before you are permitted to use the Service. Your continued use of the Service constitutes ongoing acceptance of these Terms as amended from time to time.

1.5 Electronic contract. These Terms constitute an electronic record and a valid electronic contract within the meaning of the Information Technology Act, 2000 (including Section 10A) and do not require any physical or digital signature. Your acceptance by clicking “I Agree”, by completing registration, or by logging in through email OTP or Google sign-in constitutes a legally binding click-through acceptance of these Terms. We maintain records of your acceptance, including the date, time, and version of the Terms accepted.

2. Definitions

In these Terms, unless the context requires otherwise:

2.1 “Account” means the registered account created by you to access and use the Service.

2.2 “Customer Data” means all data, content, and information that you, or any person using your Account, submit to, upload to, generate within, or store on the Service — including accounting vouchers, ledgers, inventory records, GST and tax invoices, purchase bills (photographs/PDFs), voice and text inputs, business and financial records, and reports.

2.3 “AI Features” means the features of the Service that use artificial intelligence to interpret typed or spoken Hinglish inputs, to read or scan purchase bills, and to draft or suggest accounting entries.

2.4 “Subscription” means a paid plan that entitles you to access the Service for a defined billing period.

2.5 “Subscription Plan” means any of the plans offered by us, currently Vyapari, Dukaan, and Vyapaar+, as described on the Service.

2.6 “Free Trial” means the 3-day free trial described in Clause 7.

2.7 “Fees” means the subscription charges and any applicable taxes payable for the Service.

2.8 “Privacy Policy” and “Refund & Cancellation Policy” mean those documents as published on our website and updated from time to time.

2.9 “Applicable Law” means all laws, rules, and regulations of India applicable to the Service and to your use of it, including the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and the Consumer Protection Act, 2019.

3. Eligibility

3.1 To use the Service, you must be at least 18 years of age and competent to enter into a contract under the Indian Contract Act, 1872.

3.2 The Service is designed and intended for business, commercial, and professional bookkeeping purposes. Nothing in these Terms is intended to exclude, restrict, or waive any right or remedy available to you under the Consumer Protection Act, 2019, where that Act applies to you (for example, where you are a sole proprietor or small trader who qualifies as a “consumer”).

3.3 By using the Service, you represent and warrant that you meet the eligibility criteria in this Clause 3 and that all information you provide to us is true, accurate, current, and complete.

3.4 If we discover that you do not meet the eligibility criteria, we may suspend or terminate your Account.

4.1 Registration. To use the Service you must create an Account using a valid email address. You agree to provide accurate and complete registration information and to keep it updated.

4.2 Login methods. You may access your Account using:

(a) a one-time password (OTP) sent to your registered email address; and/or

(b) Google sign-in.

4.3 Security of credentials. You are responsible for maintaining the confidentiality and security of your login credentials, OTPs, and any device or email account linked to your Account. You must not share your OTP or allow unauthorised persons to access your Account.

4.4 Responsibility for activity. You are responsible for all activity that occurs under your Account that is authorised by you or that results from your failure to keep your credentials or linked email account secure. You will not be responsible for unauthorised activity that is not attributable to your act, default, or negligence — for example, where the unauthorised access results from our proven failure to maintain the security of the Service.

4.5 Unauthorised access. You must notify us immediately at info@picasaexhibition.com if you become aware of any unauthorised access to or use of your Account or any other breach of security.

4.6 Multiple users. If you permit other persons (for example, your staff or accountant) to use your Account, you remain responsible for their compliance with these Terms and for all activity carried out through your Account.

5. Description of the Service

5.1 Bahiyo is a cloud-based (SaaS) accounting and bookkeeping application designed for Indian small businesses. The Service enables you, among other things, to:

(a) create accounting vouchers by typing or speaking in Hinglish;

(b) have AI Features read or scan purchase bills (photographs or PDFs) and draft accounting entries for your review;

(d) generate GST tax invoices, ledgers, and reports.

5.2 The features available to you depend on your Subscription Plan. We may add, modify, or discontinue features, functionality, or plans from time to time to improve the Service or to comply with Applicable Law.

5.3 The Service is provided on a software-as-a-service basis. You are not purchasing a copy of the software, and no ownership of the software is transferred to you.

5.4 Not a GST Suvidha Provider. The Service is bookkeeping software only. The Company is not a GST Suvidha Provider (GSP), a GST practitioner, or an Application Service Provider for GST filings, and we do not file any GST return, income-tax return, or other statutory return on your behalf. The generation of invoices, reports, or draft entries within the Service does not constitute the filing of any return with any authority.

6. Subscription Plans, Billing & Taxes

6.1 Plans. The Service is offered on subscription through the Subscription Plans (Vyapari, Dukaan, Vyapaar+). The features, limits, and prices of each plan are described on the Service and on our published Pricing page.

6.2 Billing cycle. Subscriptions may be billed monthly or annually, as selected by you at the time of purchase. Fees are charged in advance for each billing period.

6.3 Payment processing. Payments are processed through our third-party payment service provider (our payment processor), as identified in the Privacy Policy. By subscribing, you authorise us and our payment processor to charge the applicable Fees through your selected payment method. We do not store your card, UPI, or other payment credentials; these are handled by our payment processor in accordance with its applicable policies. Your payments are also subject to the terms and policies of our payment processor.

6.4 Prices and taxes. All prices are stated in Indian Rupees (INR) and are exclusive of Goods and Services Tax (GST). GST at 18% (or the rate then in force) will be added to the Fees and charged to you. The total amount payable by you, inclusive of GST, will be clearly displayed before you confirm payment at checkout. You are responsible for all applicable taxes other than taxes on our income.

6.5 Auto-renewal. Unless you cancel before the end of the then-current billing period, your Subscription will automatically renew for a further period of the same duration, and the applicable Fees (plus GST) will be charged using your selected payment method. You may cancel auto-renewal at any time as described in the Refund & Cancellation Policy.

6.6 Recurring payments and e-mandate. Where you authorise recurring auto-debit (for example, a card or UPI e-mandate through our payment processor), the mandate and each auto-debit are subject to the Reserve Bank of India’s e-mandate framework. Accordingly:

(a) you will receive a pre-debit notification at least 24 hours before each auto-renewal charge, stating the amount and the date of the charge;

(b) you may modify or revoke the e-mandate, or change your payment method, at any time through the Service or your payment processor, subject to applicable processing timelines; and

6.7 Cancellation and refunds. Cancellation and renewal matters are governed by our Refund & Cancellation Policy, which forms part of these Terms. All subscription Fees are non-refundable and all sales are final (the 3-day free trial is provided for you to evaluate the Service before paying), save only for any refund expressly required under our Refund & Cancellation Policy or by applicable law. You may cancel at any time to stop future renewals; cancellation does not entitle you to a refund of Fees already paid. We do not impose any cancellation charge.

6.8 Price changes. We may change our prices, plans, or Fees from time to time. We will give you at least thirty (30) days’ prior notice by email or through the Service of any price change affecting your Subscription, and the new price will apply from your next renewal on or after the expiry of that notice period. If you do not agree to the revised price, you may cancel before the change takes effect; continued use after the change takes effect constitutes acceptance of the revised price.

6.9 Failed payments. If a payment is declined or fails, we may retry the charge and/or suspend or downgrade your access to the Service until payment is successfully made.

6.10 Invoices. We will make GST-compliant invoices available to you for the Fees you pay.

6.11 Transparent pricing. We will not levy any hidden charges. The price breakdown, including the base Fee and GST, will be disclosed to you before payment. We do not engage in false or misleading advertising of the Service, its features, or its prices.

7. Free Trial

7.1 We may offer a 3-day Free Trial of the Service. No payment card is required to start the Free Trial.

7.2 During the Free Trial you may access the features made available to trial users. We may modify or limit the features available during the Free Trial.

7.3 At the end of the Free Trial, you may choose a paid Subscription Plan to continue using the Service. If you do not subscribe, your access to paid features may be suspended or limited, and your data will be handled in accordance with Clause 14 and the Privacy Policy.

7.4 We may withdraw, modify, or limit the Free Trial offer at any time, and we may determine your eligibility for a Free Trial in our reasonable discretion.

8. Customer Data and Licence to Process

8.1 You own your data. As between you and the Company, you own all Customer Data. We do not claim any ownership of your Customer Data.

8.2 Limited licence to us. You grant the Company a limited, non-exclusive, royalty-free, worldwide licence to host, store, copy, transmit, process, display, and otherwise use Customer Data solely for the following purposes:

(a) to provide, operate, maintain, and support the Service for you;

(b) to enable the AI Features to interpret your inputs and draft accounting entries for you;

(d) as otherwise described in, and subject to, the Privacy Policy.

8.3 Scope. This licence is limited to what is necessary to provide the Service to you and exists only for so long as is necessary for that purpose, or as required by Applicable Law. We will not use your Customer Data for unrelated purposes.

8.4 No training of generalised AI models. We do not use your Customer Data to train or improve generalised or foundational artificial-intelligence models. Customer Data (including your text, voice, and bill content) is processed by us and our AI sub-processor only to generate the outputs of the AI Features for you, as described in the Privacy Policy. Any change to this position, and any opt-in or opt-out mechanism, will be stated in the Privacy Policy, which governs on data-protection matters.

8.5 Your responsibility for the data. You represent and warrant that you have all necessary rights and consents to submit the Customer Data to the Service and that the Customer Data, and our processing of it as permitted under these Terms, does not violate Applicable Law or the rights of any third party.

8.6 Sub-processors and hosting. Customer Data is stored on servers located in India (Bengaluru), with each Customer’s accounting data isolated in its own database, and is encrypted in transit, and is processed by us and our sub-processors as described in the Privacy Policy. By using the Service, you authorise such processing.

9. Acceptable Use & Prohibited Conduct

9.1 You agree to use the Service only for lawful business purposes and in accordance with these Terms. You must not, and must not permit any other person to:

(a) use the Service in violation of any Applicable Law, or for any fraudulent, illegal, or unauthorised purpose, including recording false or fabricated accounting entries to deceive any authority or third party;

(b) upload or transmit any content that is unlawful, infringing, defamatory, obscene, or that you do not have the right to submit;

(d) introduce any virus, malware, or harmful code, or attempt to gain unauthorised access to the Service, other Accounts, or our systems or networks;

(e) probe, scan, test the vulnerability of, or circumvent any security or authentication measures of the Service;

(f) copy, modify, reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service, except to the extent expressly permitted by Applicable Law;

(g) resell, sublicense, rent, lease, or otherwise make the Service available to any third party except as expressly permitted, or use the Service to build or assist in building a competing product;

(h) use any automated means (such as scraping or bots) to access the Service in a manner that adversely affects its operation, or impose an unreasonable or disproportionately large load on our infrastructure;

(i) interfere with or disrupt the integrity or performance of the Service or the data contained in it; or

(j) use the Service in any manner that could damage, disable, overburden, or impair it.

9.2 We may investigate any suspected violation of this Clause 9 and may suspend or terminate your Account in accordance with Clause 14.

10. Service Availability & Support

10.1 We strive to keep the Service available and reliable on a commercially reasonable, best-efforts basis. We do not offer a contractual uptime service-level guarantee for any plan unless separately agreed in writing.

10.2 We will use commercially reasonable efforts to provide customer support to subscribing Customers by email at info@picasaexhibition.com and through the support channels described on the Service, and to address reported issues within a reasonable time.

10.3 The Service may be unavailable from time to time due to maintenance, upgrades, technical failures, or causes beyond our reasonable control. We may carry out scheduled or emergency maintenance, and we will use reasonable efforts to minimise disruption and, where practicable, to give advance notice of planned downtime.

11. AI Features and Accuracy Disclaimer

11.1 Assistive tool only. The Service, including the AI Features, is an assistive bookkeeping tool. It is not a substitute for, and does not constitute, professional advice from a Chartered Accountant or any tax, legal, financial, or other professional.

11.2 You must review and confirm. The AI Features generate drafts and suggestions (including accounting entries derived from your text, voice inputs, or scanned bills). These outputs may contain errors or omissions. You must review, verify, and confirm every AI-generated entry before relying on it. No entry should be treated as final or accurate until you have reviewed and confirmed it.

11.3 Tax-specific verification. You must independently verify all tax-specific outputs generated or suggested by the AI Features, including input tax credit (ITC) eligibility, HSN/SAC codes, GST rates, and tax computations, before relying on them or using them in any filing. These outputs are indicative only and may not reflect the latest law or your specific circumstances.

11.4 Your responsibility. You are solely responsible for:

(a) the accuracy, completeness, and legality of your Customer Data and of all accounting entries, invoices, and records maintained through the Service; and

(b) all your statutory, tax, GST, and regulatory filings, returns, and compliance obligations.

11.5 No warranty of accuracy. We do not warrant that the AI Features, or any output of the Service, will be accurate, complete, error-free, or suitable for your particular purpose. You should consult a qualified Chartered Accountant or professional advisor for advice specific to your circumstances.

12. No Warranty

12.1 We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.

12.2 To the maximum extent permitted by Applicable Law, the Service is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

12.3 Nothing in these Terms excludes or limits any warranty, right, or remedy that cannot be excluded or limited under Applicable Law, including under the Consumer Protection Act, 2019, and the Digital Personal Data Protection Act, 2023, where they apply to you.

13. Limitation of Liability

13.1 To the maximum extent permitted by Applicable Law, the Company, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, anticipated savings, or data, arising out of or in connection with the Service or these Terms, whether based on contract, tort (including negligence), or any other legal theory, even if advised of the possibility of such damages.

13.2 To the maximum extent permitted by Applicable Law, the Company’s total aggregate liability arising out of or in connection with the Service or these Terms shall not exceed the greater of (a) the total amount of Fees actually paid by you to the Company for the Service during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) ₹5,000 (Indian Rupees five thousand).

13.3 In particular, and without limiting Clause 11, we shall not be liable for any loss, penalty, interest, or liability arising from errors in AI-generated entries, from your reliance on outputs of the Service without review and confirmation, or from any inaccuracy in your filings or statutory compliance.

13.4 Carve-outs. Nothing in these Terms excludes or limits the Company’s liability where, and to the extent that, such liability cannot be excluded or limited under Applicable Law, including liability for the Company’s gross negligence or wilful misconduct, liability for death or personal injury caused by our negligence, liability under the Digital Personal Data Protection Act, 2023, and any rights or remedies available to you under the Consumer Protection Act, 2019.

13.5 The limitations in this Clause 13 reflect a reasonable allocation of risk and form an essential basis of the bargain between you and the Company, and apply only to the extent permitted by Applicable Law.

14. Suspension & Termination

14.1 Termination by you. You may stop using the Service and cancel your Subscription at any time as described in the Refund & Cancellation Policy. Cancellation will take effect in accordance with that policy.

14.2 Suspension or termination by us. We may suspend or terminate your access to the Service, in whole or in part, if:

(a) you fail to pay any Fees when due (non-payment);

(b) you breach these Terms, the Privacy Policy, or the Refund & Cancellation Policy;

(d) we are required to do so by Applicable Law or by a competent authority; or

(e) it is necessary to protect the security, integrity, or availability of the Service or other users.

14.3 Where reasonably practicable and lawful, we will give you prior notice before suspension or termination and an opportunity to remedy a curable breach. Where we must act immediately to protect the Service, other users, or to comply with law, we may suspend first and notify you promptly afterwards.

14.4 Effect of termination. On termination or expiry of your Subscription:

(a) your right to access and use the Service will cease;

(b) any Fees already paid are non-refundable except as provided in the Refund & Cancellation Policy; and

14.5 Data-export window. Following termination or expiry, we will, for a period of thirty (30) days (the “Export Window”), make your Customer Data available for you to export from the Service in a commonly used machine-readable format (such as CSV, Excel, or PDF), on a self-service basis or on written request to info@picasaexhibition.com, unless we are prohibited from doing so by Applicable Law. After the Export Window, we may delete or anonymise your Customer Data in accordance with our retention practices and the Privacy Policy, except where retention is required by Applicable Law. This 30-day Export Window, and the subsequent deletion timeline stated in the Privacy Policy, are intended to be consistent; it is your responsibility to export your data within the Export Window.

15. Intellectual Property

15.1 The Service, including all software, source code, design, user interface, text, graphics, logos, and the “Bahiyo” name and brand, and all related intellectual property rights, are and remain the exclusive property of the Company (or its licensors). Nothing in these Terms transfers any such rights to you.

15.2 Subject to your compliance with these Terms and payment of applicable Fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service for your internal business purposes during your Subscription.

15.3 You must not use the “Bahiyo” name, logo, or any Company trademark without our prior written consent. All rights not expressly granted to you are reserved by the Company.

15.4 If you provide us with any feedback or suggestions about the Service, you grant us a non-exclusive, royalty-free licence to use that feedback to improve the Service, to the extent permitted by Applicable Law. This licence does not extend to your Customer Data or to any of your confidential business information.

16. Third-Party Services

16.1 The Service relies on certain third-party service providers, including a payment processor, an artificial-intelligence service provider, and a transactional email service provider, to deliver its functionality. These providers are described in the Privacy Policy.

16.2 Your use of certain features may be subject to the applicable terms and policies of these third-party providers, including the terms and policies of our payment processor in respect of payments. We are not responsible for the acts, omissions, products, or services of third parties, except to the extent provided under Applicable Law.

16.3 We are not liable for any failure or delay in the Service caused by a third-party provider or by your payment method or email provider.

17. Mandatory Disclosures (Consumer Protection (E-Commerce) Rules, 2020)

17.1 In accordance with the Consumer Protection (E-Commerce) Rules, 2020, the following details of the entity operating the Service are disclosed:

Legal name: Picasa Exhibition Private Limited
Registered/geographic address: C-217, Sector-63, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301
CIN: U82300UP2025PTC216737
GSTIN: 09AAPCP4417J1ZY
Customer-care email: info@picasaexhibition.com
Customer-care phone: +91 99997 65167

17.2 The same details are displayed on our website and at checkout. The total price payable, including a breakdown of the Fee and GST, is disclosed before you confirm payment, and no charges are levied beyond those disclosed and those set out in the Refund & Cancellation Policy.

17.3 We do not adopt any unfair trade practice, and we do not post or cause to be posted any false or misleading advertisement or review in respect of the Service.

18. Limitation of Liability and Limited Liability of the Company

18.1 You agree to indemnify, defend, and hold harmless the Company and its directors, officers, employees, and agents from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

(a) your Customer Data or your use of the Service;

(b) your breach of these Terms, the Privacy Policy, or the Refund & Cancellation Policy;

(d) your statutory, tax, or regulatory filings, or any inaccuracy in your accounting records.

18.2 We will notify you of any such claim and may, at our option, participate in its defence. You shall not settle any claim in a manner that imposes any obligation or liability on the Company without our prior written consent.

18.3 This indemnity applies only to the extent the relevant claim, loss, or liability is attributable to your act, default, or breach, and does not require you to indemnify the Company against liability arising from the Company’s own gross negligence or wilful misconduct or from any matter that cannot be so allocated under Applicable Law.

19. Grievance Redressal

19.1 Grievance Officer. In accordance with the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000 and rules thereunder, and the Digital Personal Data Protection Act, 2023, the Company has appointed a Grievance Officer:

Name: Prateek Mittal
Email: info@picasaexhibition.com
Phone: +91 99997 65167
Address: C-217, Sector-63, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301

The same individual serves as the Grievance Officer for both consumer grievances (under the Consumer Protection (E-Commerce) Rules, 2020) and data-protection grievances (under the Digital Personal Data Protection Act, 2023), wearing both roles, unless a separate officer is named in the Privacy Policy.

19.2 Consumer grievances. For grievances relating to the Service, billing, or your use of the Service, we will acknowledge your grievance within forty-eight (48) hours of receipt and endeavour to redress it within one (1) month from the date of receipt, in accordance with the Consumer Protection (E-Commerce) Rules, 2020.

19.3 Data-protection grievances. For grievances relating to the processing of your personal data, the procedure and timelines set out in our Privacy Policy (under the Digital Personal Data Protection Act, 2023) will apply, including your rights to access, correction, erasure, grievance redressal, and withdrawal of consent.

19.4 Statutory remedies preserved. Nothing in these Terms limits your right to pursue remedies available to you under Applicable Law, including filing a complaint before the appropriate consumer forum (including through the National Consumer Helpline or the e-Daakhil portal) under the Consumer Protection Act, 2019, or before the Data Protection Board of India under the Digital Personal Data Protection Act, 2023.

20. Governing Law, Jurisdiction & Dispute Resolution

20.1 Governing law. These Terms and any dispute or claim arising out of or in connection with them or the Service shall be governed by and construed in accordance with the laws of India.

20.2 Exclusive jurisdiction. Subject to Clause 20.3 and Clause 19.4, the courts at Gautam Buddha Nagar (Noida), Uttar Pradesh shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Service.

20.3 Dispute resolution. In the event of any dispute, the parties shall first attempt to resolve it amicably through good-faith discussions. You may raise any dispute or grievance by writing to us at info@picasaexhibition.com or to the Grievance Officer named in Clause 19. If the dispute is not resolved within thirty (30) days, it shall be subject to the jurisdiction of the courts specified in Clause 20.2, without prejudice to any right to pursue arbitration or other remedies available under Applicable Law if separately agreed in writing between the parties. Nothing in this Clause 20 requires you to submit to pre-dispute arbitration or affects your statutory remedies preserved under Clause 19.4.

21. Force Majeure

21.1 We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, governmental action, change in law, power or internet failures, failures of telecommunications or hosting providers, or cyber-attacks (“Force Majeure Event”).

21.2 During a Force Majeure Event, our obligations will be suspended to the extent affected, and we will use reasonable efforts to resume performance as soon as practicable.

22. Changes to These Terms

22.1 We may amend these Terms from time to time to reflect changes in the Service, in our business, or in Applicable Law.

22.2 When we make material changes, we will notify you by a reasonable method (for example, by email or through the Service) and update the “Effective Date” and “Version” above.

22.3 Your continued use of the Service after the revised Terms take effect constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service and may cancel your Subscription.

23. General

23.1 Entire agreement. These Terms, together with the Privacy Policy and the Refund & Cancellation Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral, on the subject matter.

23.2 Order of precedence. In the event of any conflict between these Terms and another document forming part of this agreement: (a) on data-protection matters, the Privacy Policy prevails; (b) on billing, cancellation, and refund matters, the Refund & Cancellation Policy prevails; and (c) on all other matters, these Terms prevail.

23.3 Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary, or severed, and the remaining provisions will continue in full force and effect.

23.4 Waiver. No failure or delay by us in exercising any right under these Terms will operate as a waiver of that right, and no single or partial exercise of any right will preclude any further exercise of it.

23.5 Assignment. You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms to any successor or affiliate, or in connection with a merger, acquisition, or sale of assets.

23.6 Relationship. Nothing in these Terms creates any partnership, joint venture, agency, or employment relationship between you and the Company.

23.7 Notices. We may send notices to you at the email address associated with your Account. You may send notices to us at the contact details in Clause 24.

24. Contact Us

For any questions, notices, or grievances regarding these Terms or the Service, please contact:

Picasa Exhibition Private Limited Operator of Bahiyo

Email: info@picasaexhibition.com
Support Phone: +91 99997 65167
Registered Address: C-217, Sector-63, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301
CIN: U82300UP2025PTC216737
GSTIN: 09AAPCP4417J1ZY
Grievance Officer: Prateek Mittal (contactable at the email and phone above; see Clause 19 and the Privacy Policy for grievance-redressal details and timelines under the Consumer Protection (E-Commerce) Rules, 2020 and the Digital Personal Data Protection Act, 2023)

These Terms of Use should be read together with the Privacy Policy and the Refund & Cancellation Policy. Bahiyo is assistive bookkeeping software and is not a substitute for advice from a Chartered Accountant or a tax or legal professional. Bahiyo is owned and operated by Picasa Exhibition Private Limited.

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