Official Terms & Policies

Terms of Service

Version 1.0 | Last Revised: October 2025

Critical Service Boundary Statement:Gharzemoon is an intuitive software tool for personal record-keeping, reminders, and mutual clarity between individuals. Gharzemoon is NOT a bank, credit provider, financial institution, or debt collection agency. We do not provide loans, credit financing, or dispute litigation services.

1. Definitions & Scope

Platform / Application: The Gharzemoon mobile software, web app, and website at gharzemoon.com.
User: Any individual who installs the application, registers a phone number, or browses the website.
Personal Agreement: Any informal record logged regarding debts, loans, item lending, or installment settlements.

2. User Responsibility for Data Accuracy

Users are solely responsible for the accuracy of all entered names, numbers, transfer slips, and dates. Gharzemoon acts purely as a neutral digital recording tool and does not independently audit bank transfer authenticity or verify counterparty identities.

3. No Formal Legal Advice or Debt Enforcement

Content on this website, guide articles, and in-app records are provided for organizational convenience and mutual goodwill. They do not constitute formal legal contracts, court promissory notes, or financial advice. For commercial transactions or high-value contracts, users should employ formal legal instruments.

4. Prohibited Uses

Users may not use Gharzemoon for fraudulent claims, sending harassing messages through invitation notes, predatory lending tracking, or any unlawful financial activities. Violating accounts are subject to immediate termination.

5. Questions & Legal Inquiries

For legal inquiries or questions regarding these terms, please contact our administrative team at info@gharzemoon.com.