Terms of Service

Last updated: August 8, 2026

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the Hisobchi mobile application (the "Service") operated by Xoqoniy ("us", "we", or "our").

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

2. Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password.

3. User Data and Responsibilities

As a store owner, you may input data regarding your customers and their debts. You retain all rights to your data. However, you are solely responsible for ensuring you have the legal right to store and process your customers' data (such as phone numbers and names) within our Service.

We are not responsible for any disputes between you and your customers regarding the debt amounts recorded in the app.

4. Service Availability

We do our best to ensure the Service is available 24/7 and your data is securely backed up. However, we do not guarantee that the Service will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

5. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

6. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. What constitutes a material change will be determined at our sole discretion.

7. Contact Us

If you have any questions about these Terms, please contact us: