chukta

Terms & Conditions

Last updated: 20 June 2026

These Terms & Conditions (the “Terms”) govern your access to and use of Chukta (the “Service”), a bill-splitting tool provided through the chukta.online website and related software. By accessing or using the Service in any way, you agree to be bound by these Terms and by our Privacy Policy and Disclaimer & Acceptable Use. If you do not agree, do not use the Service.

1. The Service

Chukta helps you read receipts, divide shared expenses, and generate UPI payment links as a convenience. Chukta is not a bank, payment processor, money transmitter, escrow, accounting service, or financial, tax or legal advisor. It does not hold, move, receive, or settle any funds. All amounts, taxes, splits and payment links it produces are unverified estimates for your own reference only, and you are solely responsible for checking them before acting.

2. Eligibility & accounts

You must be of legal age to form a binding contract in your jurisdiction. Sign-in uses a one-time code sent to your email; you are responsible for keeping access to your email and account secure and for all activity that occurs under your account.

3. Fair, lawful use only

The Service is provided strictly for fair, personal, lawful purposes. You agree that you will not, and will not attempt to:

  • use the Service for any unlawful, fraudulent, deceptive, abusive or harmful purpose;
  • use it to launder money, evade tax, or facilitate any illegal transaction;
  • upload content you have no right to upload, or that infringes anyone's rights or privacy;
  • attempt to access data that is not yours, or other users' accounts or data;
  • probe, scan, overload, disrupt, reverse engineer, or circumvent any security or rate-limiting of the Service or the server it runs on;
  • resell, sublicense, or commercially exploit the Service without written permission; or
  • use automated means to scrape or abuse the Service.

We may suspend or terminate access at any time, without notice or liability, for any reason, including suspected breach of these Terms.

4. Your content and data

You retain ownership of the receipts, names, and split data you submit. You grant us a limited licence to process that content solely to operate the Service for you (for example, sending a receipt image to a third-party model to extract line items). You are responsible for the accuracy and legality of what you submit and for having any consent needed to enter another person’s details.

5. Third-party services

The Service relies on third parties (such as an AI model provider for receipt reading, an email provider for sign-in codes, and UPI apps for payments). We do not control and are not responsible for those services, their availability, or their terms.

6. No warranty

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ACCURATE, UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY CALCULATION, RECEIPT READING, OR PAYMENT LINK WILL BE CORRECT.

7. Limitation of liability — no liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE chukta.online DOMAIN AND ITS REGISTRANT, THE AUTHOR(S) AND CONTRIBUTORS OF THE SOFTWARE, THE OPERATORS AND PROVIDERS OF THE SERVER AND HOSTING, AND ANY PERSON OR ENTITY ASSOCIATED WITH THIS APPLICATION IN ANY WAY (TOGETHER, THE “PROTECTED PARTIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, DATA, GOODWILL, OR OTHER LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, ANY INACCURATE SPLIT OR PAYMENT, ANY DISPUTE BETWEEN YOU AND ANY OTHER PERSON, OR ANY UNAUTHORISED ACCESS TO YOUR DATA — WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WHERE LIABILITY CANNOT BE EXCLUDED AS A MATTER OF LAW, THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED PARTIES TO YOU FOR ALL CLAIMS IS LIMITED TO ₹100 (ONE HUNDRED INDIAN RUPEES). YOU USE THE SERVICE ENTIRELY AT YOUR OWN RISK.

8. Indemnity

You agree to defend, indemnify and hold harmless the Protected Parties from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or in any way connected with your use of the Service, your content, or your breach of these Terms.

9. Changes & termination

We may modify, suspend, or discontinue the Service or these Terms at any time. Continued use after changes means you accept the updated Terms. We may delete accounts or data at any time.

10. Governing law

These Terms are governed by the laws of India, and you submit to the exclusive jurisdiction of the courts at Pune, Maharashtra, subject to any mandatory consumer protections that apply to you. If any provision is held unenforceable, the remainder stays in effect.

11. Contact

Questions about these Terms: we@chukta.online.