Terms & Conditions

1.About OVERC

OVERC is a mobile web tool that helps shop owners record credit sales ("udhaar") and share a simple receipt with the customer on WhatsApp. With the customer's permission, signed-in shops can see a color-based payment signal. After a metered detailed check, only the eligible record amounts, due dates and days overdue can be viewed. The reporting shops are never identified to other merchants. This is not a bureau credit score.

2.Who these terms apply to

3.Payment History Sharing ⭐

3.1 How sharing works

• Consent first: Sharing happens only with your clear permission, given by tapping "🛡️ ALLOW KARO" on your purchase-note page (or later from the same link). We record when and how you consented (consent timestamp + source).
• Timing: Even after you allow, the record becomes visible to other shops only from due date + 7 days onwards. Nothing is shared before the due date.
• Anonymous network summary: Where at least two different other merchants have eligible, consented records, shops can view aggregate transaction counts grouped by payment status. Reporting shop names, exact transaction amounts and dates are not included in this free summary. This additional aggregate view requires explicit buyer permission under the revised network-sharing notice (version v1.2, introduced 13 November 2026), not merely a new consent timestamp. Existing permissions under earlier notices do not automatically unlock it.
• Paid records: Eligible paid records can contribute to a green indicator. The indicator is limited and merchant-reported, not a verified creditworthiness finding.
• Unpaid past-due records: The color may turn red when overdue eligible records exist. A detailed check may show amount, due date and days overdue, but no reporting-shop identity. Never treat this alone as a finding of fraud.
• Private deals: If the shop saved the deal as 🔒 Private, OR you did not allow sharing, the record is visible only to that shop and you. It never enters any network view or score.

3.2 What other shops see (and don't)

3.3 Where you can manage this

• Withdraw anytime: Open your note link → tap "Nahi, private rakho". The record leaves network views.
• Re-allow anytime: Same link → ALLOW KARO.
• Dispute anytime: Same link → "Details galat hain?". Disputed records are hidden from all network views until the shop resolves it.

4.Buyer rights (DPDP Act 2023)

• Right to consent & purpose: You are told, in plain words, what is recorded and why — before or at the time of recording.
• Right to withdraw consent: Anytime, from the note link or by emailing the Grievance Officer. Withdrawal stops all future network sharing.
• Right to access & correction: Ask us what we hold about your number and get wrong records fixed.
• Right to erasure: Ask for deletion of your records, subject to any legal retention needs.
• Right to grievance redressal: Free of charge, response within 30 days (see §11).

5.Seller obligations

• Record only real transactions with real customers. Fake/malicious entries are a violation and grounds for account removal.
• Keep records updated — mark deals paid when the customer pays.
• Respond to buyer disputes honestly and promptly.
• Do not use OVERC data to harass, threaten or publicly shame any customer.
• You are the data fiduciary for the records you create; OVERC processes them on your instructions and provides the consent infrastructure.
• Online COD integration partners: obtain the required lawful basis and give customers appropriate notice before supplying name, mobile and address to OVERC. The returned green/yellow/red/gray payment indicator is advisory only. Never claim OVERC has verified the buyer, confirmed deliverability or authorized an automatic refusal to dispatch. Keep API credentials on your secure backend, respect published quotas, and do not disclose or resell the indicator to unauthorized parties.

6.What OVERC is NOT

7.Privacy & DPDP Act 2023

We process personal data (name, mobile number, purchase amount, items, dates, payment status) under the Digital Personal Data Protection Act, 2023, on the basis of your consent for the specific purposes described in §3. Full details — data collected, storage location (Supabase cloud; see the notice for the region), security measures, children's data (we do not knowingly process data of persons under 18) — are in our Privacy & DPDP Notice, which forms part of these terms.

8.Data retention & deletion

• Deal records are kept while your account is active and for 36 months after the last activity, after which they are deleted or anonymised.
• Buyers may request erasure anytime via the Grievance Officer; we act within 30 days.
• Consent logs (timestamp, source, version) are retained as proof of lawful processing.

9.Liability & seller–buyer disputes

• OVERC is a record-keeping and communication tool. The credit relationship is solely between seller and buyer. OVERC is not a party to it, does not guarantee payment, and does not recover money on anyone's behalf.
• Seller-reported records are unverified by us; if a record is wrong, the dispute process (§3.3) is the remedy.
• To the maximum extent permitted by law, OVERC's total liability for any claim relating to the service is limited to ₹1,000 or the fees you paid us in the prior 12 months, whichever is lower.

10.Changes to these terms

Material changes (especially to sharing rules) will be announced in-app and by updating the version date above. For existing consented buyers, we will re-notify before any change takes effect that widens sharing; you can withdraw consent at any time if you do not accept.

11.Grievance Officer ⚖️

If unsatisfied with our response, you may escalate to the Data Protection Board of India as provided under the DPDP Act.

OVERC · Privacy & DPDP Notice · ← Back to app