In Jain dharm, your present practice is absolutely in line with shastra.

1. Who is worthy of real worship?

According to both Digambar and Shwetambar traditions, mukhya upāsya (main worship) is only: - Arihant - Siddha - Āchārya - Upādhyāy - Sādhu (panch Parmeshti)

Only these are permanently on the path of or established in moksha. Their bhakti gives samyak-darshan and moksha-marg.

1. What are devi–devta, shāsan-rakshak, kuldevi etc. in Jain view?

- They are also jīvas, like us, only now born as devas (heavenly beings). - They are not creators of the world, not sarvashaktimān, not moksha-dātā. - Shāsan dev–devī / yaksh–yakshinī are mainly rakshak of Jin-shāsan and bhavya jīvas. - After their dev-yoni ends, they also go to other gatis; only when they become samyak-drishti and follow dharm, they progress like any other soul.

1. May a Jain pray to these dev–devtā?

From the angle of śuddh Jain siddhānt (both traditions agree on this point):

- Moksha, kalyān, real sharan – only in Arihant–Siddha. - Pooja / bhakti of lokik devi–devta (like kuldevi in non-Jain sense, worldly devīs) is treated as mithyā shraddhā (wrong faith). - Shravak–shravik’s kartavya is clearly set towards Panch Parmeshti only.

Digambar and Shwetambar nuance: - Digambar: Generally very strict – focus only on Panch Parmeshti; devi–devta upāsanā is discouraged. - Shwetambar: In many temples you see Padmāvatī, Chakreshwarī, Ambikā etc. People may do small rituals, but even there, every ācārya will say – mukhya bhakti only Jinendra and Panch Parmeshti ki hi hai. Shāsan devī-devtā are at most sahāyak, not centre.

1. What about your personal stand?

- You bow only to Panch Parmeshti, recite Navkār Mantra even in devi–devta temples. - Earlier there was a little faith in shāsan devī, kul devtā; now you have dropped that and kept only Panch Parmeshti.

This is exactly what Jain shāstra encourages: - Clear, single-pointed faith: “Meri sharan keval Panch Parmeshti mein hi hai.” - No fear-based or greed-based worship: “devi bacha legi, dev kaam kara dega” – this makes faith impure. - Respect for all jīvas is fine, but ārādhana (bhakti, pooja, āshrit-bhāv) only towards those who are vitrāg.

1. If you are forced to go to such places with family

What you are already doing is ideal from Jain point of view: - Go for saṃyaktā, not for blind following. - Keep inner drashti on Navkār / Panch Parmeshti. - You may simply stand quietly, recite Navkār Mantra, and mentally bow only to Arihant–Siddha. - Outwardly you can remain respectful and calm, but inside keep ekānta shraddhā in Panch Parmeshti.

1. About kuldevi specifically

- The common “kuldevi” concept (linked to gotra, vansh, etc.) is largely non‑Jain and based on worldly protection/boons. - Jain shāstra does not make it compulsory, nor necessary, nor spiritually higher. - Protection of true Jain is said to come from own punya, own sadācār, and grace of Panch Parmeshti, not from any particular kuldevi.

1. Conclusion in simple words

- Yes, it is perfectly right – even ideal – for a Jain to: - Take only Panch Parmeshti as real sharan. - Avoid devi–devta / kuldevi worship as a source of hope or fear. - Recite only Navkār Mantra even if standing in any other temple. - Shāsan dev–devī, dev–devtā, kul devtā – all are samsāri souls; we may have sādharmik respect, but not make them our ultimate refuge.

For a simple write‑up on devi–devtā in Jainism and shravak’s worship, you can read more here and here