These Terms of Service ("Terms") form a contract between you and Dahikar Technologies Private Limited ("Company", "we", "us") for the RecoverPe platform ("Service"). They are effective 20 October 2026. RecoverPe is the product name. The Company is the legal entity that operates it.
Read our Privacy Policy, Trust and Cancellation & Refund Policy.
1. Acceptance
You must accept these Terms and the Privacy Policy before you create an account or sign in with email and password. The signup and sign-in screens ask for that acceptance with a checkbox. You cannot continue until you accept. Creating the RecoverPe account record also requires that acceptance on the server. If you do not agree, do not use the Service.
2. Who may use RecoverPe
You must be at least 18 years old and able to enter a contract under Indian law. The Service is for businesses, proprietors, and people those businesses authorize. You may use it only for lawful commercial collections and the related bookkeeping the product supports.
3. The Service
RecoverPe is software for Indian MSME collections. Depending on your plan, it can include a khata (ledger), reminders, payment links, document generation, and related workflows. We do not provide legal advice, debt collection as your advocate, or a guarantee that any invoice will be paid. Notices and dockets are generated from information you supply. Review them before you send them.
There is a Free plan and paid plans named Starter, Business, and Premium. The Free plan has no subscription fee and includes a limited ledger and a limited WhatsApp reminder allowance. Paid plans are billed in Indian rupees through Razorpay at the price shown at checkout. The current list prices and the refund rules are in the Cancellation & Refund Policy. Plan prices are exclusive of GST, which is added at the applicable rate, except where a price is shown as already including GST.
4. More than one business
One login can hold several businesses, for example a shop and a services firm. Each business keeps its own customers, staff, records and message limits. Personal, your own private khata, is always free and is never counted as a business.
Your paid plan includes one business. Each extra business costs an add-on fee on top of your plan:
- Starter: ₹199 per extra business per month (₹1,990 per year)
- Business: ₹399 per extra business per month (₹3,990 per year)
- Premium: ₹799 per extra business per month (₹7,990 per year)
The add-on is billed on your existing RecoverPe subscription each billing cycle, as one extra line on the same bill. A yearly plan pays the yearly add-on price, which is ten times the monthly price. A business added part-way through a cycle is charged from your next bill. The Free plan cannot add extra businesses. GST is added to these prices. The prices that apply to you are the ones shown in Billing at the time of the bill. An extra business always stays on the plan you already pay for. Enterprise is not an add-on on Starter, Business, or Premium.
Enterprise includes 10 businesses. Each business after that is ₹1,999 + GST a month, billed with your pay-as-you-use charges. It is not a yearly charge and it is not paid in advance.
Changing plans. If you move to a higher plan part-way through a billing cycle, you pay only the difference for the days left in that cycle: (new plan price − current plan price) × days left ÷ days in the cycle, plus the same share of any difference in extra-business add-on prices. The exact amount is shown before you confirm. The upgrade is permanent: the higher plan starts straight away and, from your next renewal date, your subscription renews at the full price of the higher plan until you change or cancel it. If you move to a lower plan, or switch between monthly and yearly billing, nothing is charged or refunded for the current cycle; the change starts at your next renewal and you keep your current plan until then. Plans granted by RecoverPe at no charge are not prorated.
5. Your account
You must give us accurate account information and keep your password and devices secure. You are responsible for activity under your account until you close the session or tell us the credentials are compromised. Mobile verification is required before the account is opened for use.
6. Acceptable use
You agree not to:
- Use the Service to harass, defraud, or collect a debt unlawfully.
- Use RecoverPe to harass anyone, or to send demands to a person who owes nothing.
- Upload false, misleading, or defamatory information about a customer.
- Contact a person when you do not have a lawful basis to do so.
- Bypass plan limits, security controls, or billing.
- Break telecom, data-protection, tax, or consumer-protection law that applies to you.
7. Plans and Razorpay billing
Paid subscriptions, one-time document purchases, voice-wallet top-ups, and verification fees are processed by Razorpay, or from your RecoverPe wallet when that balance covers the fee. The price displayed in RecoverPe at checkout is the price you authorize. GST and other taxes are charged when the law requires them. We do not store full card numbers on RecoverPe servers.
You can cancel a paid plan from Billing. Cancellation stops future Razorpay charges. The workspace then returns to the Free plan. Fees already paid for the current period are not refunded as unused time, except where the law requires a refund. Details, including failed and duplicate charges, are in the Cancellation & Refund Policy.
8. Business verification
Every account owner must complete a one-time verification of their PAN and a bank account before RecoverPe will send reminders, payment links, calls, legal notices, or payouts. If the business is registered for GST and you give a GSTIN, that GSTIN is checked as part of the same verification and the legal name comes from it. A business that has only a PAN and a bank account can still be verified.
The fee is ₹20 inclusive of GST (₹16.95 plus ₹3.05 GST) for each verification attempt, on every plan, including Free and Personal. You pay it in advance, from your RecoverPe wallet when the balance covers ₹20, or by Razorpay checkout. One payment covers one verification run: the PAN and the bank account, and the GSTIN when you provide it.
The fee is not refundable once the check has run, including when the name or the details do not match. If the check does not run because of a provider or system error, you may retry that same paid attempt at no extra cost. A new attempt after a mismatch needs a new ₹20 payment. A duplicate charge, or a charge where no check ran, is refunded under the Cancellation & Refund Policy.
We may suspend or refuse an account that uses false, mismatched, or misused identity details. One PAN can verify only a limited number of businesses. You must not use RecoverPe to harass anyone, or to send demands to a person who owes nothing.
9. Customer verification
You may ask RecoverPe to check a customer's bank account, and their PAN or GSTIN when you provide them. You must have a lawful purpose and the customer's consent to verify those details.
On plans other than Enterprise, each customer verification costs ₹20 inclusive of GST, paid from your wallet. Enterprise includes 1,000 customer verifications each month. After that allowance is used, each verification costs ₹12 plus GST, paid from your wallet. A verification is charged even when the details do not match. If a provider or system error stops the check before a result is returned, that attempt is not charged. Results come from bank and government records through our verification provider.
10. Messages, calls, and TRAI
You choose who is contacted and you are responsible for having a lawful basis to contact them. Automated outbound messages follow the TRAI quiet hours of 7:00 PM to 9:00 AM IST.
Customer SMS goes out only when the plan includes SMS and server approval is recorded. A template id on file is not approval by itself. WhatsApp reminders that your plan already includes are a separate channel. AI voice calls may be recorded and transcribed. The person on the call is told at the start, and the recording and transcript are kept for that shop only.
11. Smart Collect and payments to you
Smart Collect lets you connect your own Razorpay account. Money your customers pay through Smart Collect goes directly from Razorpay to your Razorpay account. It never passes through Dahikar Technologies Private Limited. RecoverPe is software only. It is not a payment aggregator, payment gateway, bank or escrow, and it does not hold, settle or refund your customers' money. Your Razorpay account, its fees, KYC, refunds, chargebacks and settlements are governed by your own agreement with Razorpay. You can disconnect Smart Collect at any time from Settings.
12. Your clients' data (Services and B2B)
When you store client details such as a company name, GSTIN, an accounts contact, invoices or contract terms, that data belongs to you. You are the Data Fiduciary for your customers' personal data under the Digital Personal Data Protection Act, 2023. You appoint Dahikar Technologies Private Limited as your Data Processor to run the Service. You warrant that you collected that customer data lawfully and that you informed the customer what it is used for, including reminders you send through RecoverPe by WhatsApp, SMS or email, and any accounts contact you add.
We may use aggregated or anonymised information, which does not identify a person, to understand and improve RecoverPe. We contact a shop's customer about RecoverPe's own offers, or about other shops, only when that customer has opted in on their own. They can withdraw that opt-in at any time. Withdrawal does not stop the receipts and reminders you asked RecoverPe to send for your shop. Privacy requests and grievances go to support@recoverpe.com.
12A. Dead stock shared between businesses
A business inventory in RecoverPe shares unsold stock, called dead stock, with other RecoverPe businesses nearby. This is on for a business until you turn it off. You can turn it off at any time in Settings. Sharing stops for later matches. Personal books are not part of this.
Before anyone pays, another business can see only the item name, category, quantity, an approximate selling price, the city or area, and an approximate distance. Your shop name, your name, and your phone stay hidden. Your shop contact is shared with shops who pay to unlock that listing. The price is Rs 50 plus GST at 18%, charged by Dahikar Technologies Private Limited. We issue a GST tax invoice for that charge. The unlock is stored for that buyer and that listing, and they can open it again without paying again. We tell you when a shop unlocks your contact. We do not share your customers, their phone numbers or emails, invoices, or your exact cost. If the listing is removed before the unlock completes, the payment is refunded or credited to the buyer's wallet.
13. Your content and our intellectual property
You keep ownership of the business data you upload. You give us a limited right to host, process, and display that data so we can provide the Service, including sending a message or generating a document when you ask us to.
RecoverPe, the RecoverPe name and logo, and its software, design, templates and content are the property of Dahikar Technologies Private Limited. You receive a limited, non-exclusive right to use the Service while these Terms are in force. You do not get any other right in it.
You may not, and may not help anyone else to, copy, reverse engineer, decompile, or scrape RecoverPe's software, design or content, or use any of them to build a derivative or competing product. This does not stop anything the law expressly allows you to do.
If you break this section, we may suspend or close your access under section 15 and take legal action.
14. Privacy
Our Privacy Policy explains what we collect, why we use it, and how deletion works. By accepting these Terms you also accept that processing, including under the Digital Personal Data Protection Act, 2023.
15. Suspension, closing an account, and deletion
We may suspend or close access if you break these Terms, if a payment fails and stays unresolved, or if the law requires it. You may delete your account from Settings. You confirm that request in the product. An administrator can also schedule deletion.
A confirmed deletion request cancels active RecoverPe subscriptions and marks the account for deletion. Dashboard access stops while deletion is pending. We do not delete the account immediately. The daily erasure job permanently deletes an account after it has been scheduled for at least 30 days. That deletion removes the sign-in identity, the account record and cascaded product data, and the stored files the job is written to remove. Email support@recoverpe.com before that deletion if you need the request cancelled. There is no shorter self-serve wipe.
16. Disclaimers
The Service is provided on an "as is" and "as available" basis. We do not promise a recovery amount, delivery of every message, uninterrupted uptime, or a particular legal result from a notice generated in the product.
17. Limitation of liability
To the maximum extent Indian law allows, Dahikar Technologies Private Limited is not liable for indirect, incidental, special, or consequential loss arising from your use of the Service. Our total liability for a claim is limited to the fees you paid us for the Service in the twelve (12) months before the claim. Nothing in these Terms limits liability that the law does not allow us to limit.
18. Governing law and jurisdiction
These Terms are governed by the laws of India. The courts at Nagpur, Maharashtra, India have exclusive jurisdiction over disputes arising out of these Terms or the Service, except where a consumer-protection law gives you a forum that cannot be waived.
19. Changes to prices, plans and these Terms
Dahikar Technologies Private Limited may change prices, plans, add-on fees, features and these Terms at any time. When we do:
- Price increases apply only from your next billing cycle that starts at least thirty (30) days after we tell you by email and inside RecoverPe. You can cancel before the new price applies. Fees you have already paid do not change.
- Policy changes take effect when posted on this page with a new "Last updated" date. For a material change that reduces your rights, we will also tell you by email or in the app before it takes effect.
- Feature changes: we may add, change or remove features to improve or secure the Service. If we remove a core paid feature during a period you have paid for, you may ask for a pro-rata refund of that period.
If you keep using RecoverPe after a change takes effect, you accept it. If you do not agree, cancel or stop using the Service before that date.
20. Contact
Product, billing, and support questions about RecoverPe go only to support@recoverpe.com. The Grievance Officer can be reached at the same address. Write "Grievance" in the subject line.
Dahikar Technologies Private Limited (CIN published on the Contact page) has its registered office at Plot No. 108, Flat No. 102, Pragati Apartment, Laxminagar, Nagpur, Maharashtra - 440022, India.
Team RecoverPe
You can also use the Contact page.
21. Related policies
Read our Privacy Policy, Trust and Cancellation & Refund Policy.