Terms of use

Last updated 12 November 2026

These terms apply to the GemClock app and gemclock.lk. By creating an account you agree to them.

What GemClock is

GemClock is a record-keeping and reminder tool. It helps you note deals made on credit and reminds you and the other party before payments are due. GemClock is not a party to your deals, does not lend money, does not hold or transfer funds between traders, and does not guarantee that anyone will pay.

Your account

• You must be 18 or older and use your own phone number.
• You are responsible for what happens under your account. Use the app lock if others can use your phone.
• You can delete your account at any time in Settings.

Your records and the people in them

• You are responsible for the accuracy of the deals, amounts and contacts you enter.
• Only add people you actually trade with. Reminders are sent to them in your name.
• Do not use GemClock to harass anyone, to collect debts you are not owed, or for anything illegal.

We may suspend accounts that are used to send unwanted messages or that break these terms.

Free trial and subscription

New accounts start with a free trial. After the trial, a monthly subscription is needed to add or change deals and to keep reminders going. Without one, your records stay available to view and export. Prices and billing details are shown on gemclock.lk before you pay; you can cancel at any time and keep access until the end of the period you paid for.

Availability

We work to keep GemClock running and reminders on time, but we cannot promise the service will never be interrupted, or that every message will be delivered, because delivery depends on mobile networks, WhatsApp and SMS providers. Keep your own records of important deals.

Liability

As far as the law allows, GemClock is not liable for losses arising from a deal between traders, from a payment not being made, or from a reminder that was late or not delivered. Nothing in these terms limits rights you have under Sri Lankan consumer law.

Changes

We may update these terms. If a change matters, we will tell you in the app before it takes effect.

Law

These terms are governed by the laws of Sri Lanka.

Contact

Email support@gemclock.lk.