Terms of Use
Last updated 6 September 2026. By using the Croodit app or https://croodit.com you agree to these terms.
What Croodit is
Croodit is a tool that helps you create invoices, send them yourself over WhatsApp, and keep track of who has paid. It is not a payment gateway, a bank, an accountant or a tax adviser.
Your account
You need a working mobile number to sign in and you are responsible for what happens under your account. You must be at least 18 and use Croodit for a lawful business.
What you're responsible for
- The accuracy of your invoices — amounts, tax, GSTIN and your UPI ID.
- Having the right to contact the clients you add, and honouring their request if they ask you to stop.
- Your own tax and regulatory obligations. Croodit's GST features are a convenience, not tax advice.
- Every message you send. Croodit prepares text; you press send from your own WhatsApp account and are bound by WhatsApp's own terms.
Payments between you and your clients
Money moves directly from your client's UPI app to your UPI ID. Croodit never holds funds and is not a party to that transaction. Disputes, refunds and chargebacks are between you and your client.
Free tier and subscriptions
Croodit is free forever for up to 7 clients, with unlimited invoices to those clients. Croodit Pro lifts the client limit and is ₹199 per month or ₹1,599 per year after a 14-day free trial. Subscriptions are billed by the app store you bought them from, renew automatically, and can be cancelled there at any time; cancelling stops the next renewal and leaves the period you have paid for intact.
Acceptable use
Do not use Croodit to send unsolicited bulk messages, to invoice for anything illegal, to impersonate someone else, or to attack, reverse-engineer or overload the service.
Availability and liability
We work to keep Croodit running but provide it "as is", without warranty. To the extent the law allows, our total liability to you is limited to what you have paid us in the twelve months before the claim, and we are not liable for lost profits or lost business. Nothing here limits liability that cannot be limited by law. Keep your own exports — Settings → Export data.
Ending it
You can stop using Croodit and delete your account at any time. We may suspend an account that breaches these terms, and will tell you why where we can.
Governing law
These terms are governed by the laws of India, with courts in India having jurisdiction.