FULL TERMS OF SERVICE AGREEMENT
"By using this website, you agree to these terms. If you do not agree to all the terms and
conditions, then you may not access the website or use any services."
Welcome to Fintech
These Terms and Conditions constitute a legally binding agreement between
you user and Fintech Company,
governing your access to and use of our website, mobile application, and financial
technology services the Platform.
By accessing or using the Platform, you agree to be bound by these Terms. If you do not
agree, please discontinue use immediately.
01 Acceptance of Digital Agreement
This document serves as a legally binding electronic record formulated under the provisions
of the Information Technology Act, 2000, and subsequent amendments regarding electronic
records and digital transactions. Generated by an automated computer system, this agreement
is valid and enforceable without the necessity of physical or digital signatures. By
accessing, browsing, or utilizing any service provided through this portal, you explicitly
acknowledge that you have read, understood, and consented to be bound by these Terms and
Conditions in their entirety. Continued use of the platform constitutes a formal and
voluntary entry into a contractual relationship with our firm, governed by all applicable
digital, legal, and financial regulations currently in force within the jurisdiction.
- Comprehensive Consent: Your engagement with the Platform signifies an
unconditional acceptance of these Terms, our integrated Privacy Policy, and any
supplemental policies or legal notices referenced herein, forming a single unified
agreement.
- Right to Amend: We reserve the exclusive right to modify, refine, or
update these Terms at any time without mandatory prior notice. It remains your
responsibility to review this page; continued use of the Platform after changes are
posted constitutes a binding acceptance of the revised Terms.
- Universal Applicability: These Terms are globally applicable and
strictly govern the conduct of all visitors, registered users, corporate customers, and
third-party merchants who access or interact with the Platform’s digital ecosystem.
02 Right to Change & Modify Terms
We maintain the absolute and exclusive right to update, alter, or replace any specific part
of these Terms of Service by publishing detailed updates or systematic changes directly to
our website platform. It is strictly your responsibility as a user to monitor this page
periodically to remain informed of any such modifications. Your continued access to or use
of the website following the formal posting of any changes signifies your automatic and
binding acceptance of those revised terms. We are not obligated to provide individual
notifications for every minor update; hence, the version available on the platform at any
given time shall be considered the governing agreement for all active and passive
interactions.
03 Eligibility to Use the Platform
Access to and use of this Platform are strictly limited to individuals who can form legally
binding contracts under the Indian Contract Act, 1872, or the applicable laws of their
respective jurisdiction. By accessing our services, you represent and warrant that you
possess the legal authority and mental capacity to enter into this agreement and to abide by
all the terms and conditions outlined herein. If you are registering or using the platform
on behalf of a corporate entity, business, or third party, you further warrant that you are
a duly authorized representative with the power to bind such entity to these legal
obligations. We reserve the right to terminate your access and refuse service if it is
discovered that you are under the legal age of majority or otherwise legally disqualified
from entering into binding financial contracts.
- Age Requirements: You must be at least 18 years of age to register an
account or utilize any paid financial advisory services offered through our portal.
- Verification Authority: We reserve the right to request proof of
identity or age at any stage to ensure that the eligibility criteria are being
maintained in accordance with regulatory standards.
- Jurisdictional Compliance: Users are responsible for ensuring that
their access to this platform is in full compliance with the local laws and regulations
of their specific country or state of residence.
04 User Account Registration & Data Accuracy
To unlock and access the full spectrum of our premium financial services, you are required
to undergo a formal registration process to create a personalized user account using valid,
verifiable credentials. By registering, you agree to provide information that is current,
complete, and 100% accurate, including your legal name, contact details, and professional
background where applicable. Accuracy is paramount, as all financial filings and advisory
reports are generated based on the data you submit. You are further obligated to maintain
the integrity of your profile by promptly updating any changes to your email address,
physical location, or payment methods. We reserve the absolute right to suspend, restrict,
or permanently terminate any account that is found to be providing false, misleading, or
fraudulent information, as this compromises the legal compliance of our platform.
- KYC Compliance: Users may be required to upload valid government-issued
identification to satisfy "Know Your Customer" (KYC) norms before certain high-value
transactions are processed.
- Data Integrity: Any discrepancy in the provided information that leads
to government penalties or legal notices will be the sole responsibility of the account
holder.
05 Password Security & Accountability
Upon the creation of your account, you assume full and exclusive responsibility for
maintaining the strict confidentiality of your login credentials, including passwords and
any secondary authentication factors. You acknowledge that all activities, transactions, and
communications conducted through your registered account are legally attributed to you. The
Company utilizes advanced encryption protocols to protect your data; however, the Company
cannot and will not be held liable for any loss, damage, or unauthorized data breach
resulting from your failure to safeguard your account details. You are mandated to notify
the Company’s security team immediately if you suspect any unauthorized access, suspicious
activity, or potential security compromise. Sharing account access with third parties is
strictly prohibited and may result in immediate account revocation without prior warning to
prevent potential financial malpractice.
- Breach Notification: In the event of a security lapse at the user end,
you must provide a written report to our support desk within 24 hours of discovery.
- Session Management: Users are advised to log out after every session,
especially when accessing the platform from shared or public networks to prevent session
hijacking.
06 Nature & Comprehensive Scope of Services
Our platform serves as a specialized financial technology interface providing a wide array
of services, including but not limited to digital payment processing, tax filing assistance,
financial information management, and corporate registration support. It is crucial to
understand that we operate as a private service provider and technological facilitator; we
are not a government body, nor do we provide banking services unless explicitly stated under
a specific license. The scope and availability of these services are subject to change based
on evolving regulatory requirements, regional availability, and internal technological
updates. We act as your authorized representative or "intermediary" to process and submit
documentation to relevant statutory authorities based solely on the records provided by you.
We do not exercise independent audit control over your financial history unless specifically
engaged for such a professional audit service.
- Intermediary Role: Our role is limited to facilitating the transmission
of data between the user and the final service endpoint or government portal.
- Service Variation: Features may be added or removed from the platform
at our discretion to ensure compliance with the latest Finance Acts and IT regulations.
07 Fees, Service Charges & Payment Terms
Utilization of certain premium modules and professional services on this platform will
attract transaction fees, service charges, or periodic subscription fees as outlined in our
pricing schedule. All applicable charges, including convenience fees and statutory taxes
(such as GST), will be clearly disclosed to you for review before the finalization or
completion of any transaction. By proceeding with a payment, you authorize us to charge the
specified amount to your selected payment method. Please be advised that all fees once paid
are considered final and non-refundable, except in specific cases where a refund is mandated
by applicable law or under our internal Refund Policy. We reserve the right to revise our
fee structure at any time; however, such changes will not affect transactions that have
already been initiated or completed prior to the price revision.
- Payment Failures: We are not responsible for transactions that fail due
to issues at the bank’s end or incorrect card details provided by the user.
- Non-Refundable Policy: Subscription fees and professional service
charges are non-refundable once the work-flow or digital processing has been initiated
on our servers.
08 Accuracy & Veracity of Provided Documents
The successful execution of tax filings, business registrations, or any statutory compliance
services depends entirely on the authenticity and precision of the documents you upload,
including but not limited to PAN, Aadhaar, Bank Statements, and Incorporation certificates.
It is imperative to understand that our firm operates on a "good faith" basis and does not
independently verify the truthfulness, legality, or factual accuracy of the data provided by
the user. You expressly agree that you are the sole custodian of the information shared and
are fully responsible for its validity. In the event that a government authority, tax
department, or regulatory body issues a notice, inquiry, or penalty due to discrepancies,
errors, or fraudulent data provided through your account, the legal and financial liability
lies exclusively with you. We shall not be held accountable for any omissions or
misrepresentations found in the final submissions made to official portals.
09 Comprehensive Payment Terms & Billing Protocols
All professional fees and service charges are transparently listed on our pricing page and
are subject to the rates in effect at the moment of purchase. By initiating a transaction,
you provide your explicit consent to pay all applicable charges, including convenience fees
and statutory levies like GST. We utilize secure third-party payment gateways to process
your transactions, and while we ensure high-level encryption, we are not responsible for
bank-side failures or unauthorized card usage. We reserve the ultimate right to refuse any
order, adjust pricing without prior notice, or limit service quantities per user or
household at our sole discretion. Any attempt to bypass the established billing system or
engage in chargeback fraud will result in immediate account suspension and potential legal
action to recover the outstanding dues and administrative costs incurred by the Company.
10 Service Cancellation & Termination Policy
Our operational workflow is designed for immediate execution; therefore, once a service
request is formally placed and our subject matter experts or digital systems initiate work
on your file, the request cannot be cancelled for a full refund. Users are granted a narrow
window of 2 hours from the time of payment to request a cancellation, provided that no
document processing, drafting, or filing has commenced on our end. This policy is in place
because financial and legal services involve significant labor and resource allocation
immediately upon receipt of an order. If you decide to discontinue a service after the work
has entered the processing stage, you acknowledge that the fees paid represent the
compensation for the efforts and time already invested by our professional team. All
cancellation requests must be sent formally via the registered email to our billing
department for verification.
11 Refund Eligibility, Timeline & Exclusions
Refunds are strictly evaluated and processed only in verified cases of "Service
Non-Delivery" where the failure is directly attributable to a technical lapse or error on
our side. If a refund request is reviewed and approved by our compliance team, the
amount—after deducting any applicable administrative or gateway charges—will be credited
back to the original payment source within 7 to 10 business days. It is critical to note
that any fees already remitted to government departments, such as Challans, Stamp Duties, or
Statutory Taxes, are absolutely non-refundable as these funds are outside our control once
paid to the government exchequer. Furthermore, partial refunds are not entertained for
services that have reached more than 50% completion. We encourage users to be certain of
their requirements before making payments, as our refund protocols are governed by strict
internal audit guidelines to ensure fair practice for both parties.
12 Prohibited Use of Platform & Content
The integrity of our digital ecosystem is paramount; therefore, you are strictly prohibited
from utilizing the site or any of its proprietary content for any purpose that is deemed
unlawful, unethical, or harmful. Engagement in activities that solicit others to perform or
participate in any unlawful acts, or that violate any international, federal, or local
regulations, rules, and laws, will result in immediate termination of your access. We
maintain a zero-tolerance policy towards any attempt to interfere with the security features
of the platform or any related website.
- Unlawful Activity: You shall not use the platform for money laundering,
fraudulent financial schemes, or to transmit any malware, viruses, or code of a
destructive nature.
- Rights Infringement: Any attempt to harass, abuse, insult, harm,
defame, slander, or intimidate based on gender, religion, or race, or to infringe upon
our intellectual property rights is strictly forbidden.
- Data Mining: The use of automated systems or software to extract data
from this website (scraping) for commercial or competitive purposes is prohibited
without our express consent.
13 Intellectual Property & Ownership of Content
All materials contained within this platform, including but not limited to the software
architecture, unique design elements, textual content, high-resolution images, video clips,
and proprietary graphics, are the exclusive property of our firm and are protected by
international copyright and trademark laws. You are granted a limited, non-exclusive license
to access the platform for personal or authorized business use only. You may not copy,
modify, republish, transmit, distribute, or sell any of the content or underlying source
code without our explicit, documented written permission. Any unauthorized reproduction or
redistribution of our intellectual property is a violation of law and will be met with
rigorous legal action to protect our commercial interests and brand identity.
14 Limitation of Liability & Exclusion of Damages
To the fullest extent permitted by applicable law, in no event shall our directors,
officers, employees, affiliates, or agents be liable for any injury, loss, claim, or any
direct, indirect, incidental, punitive, or consequential damages of any kind. This includes,
without limitation, lost profits, lost revenue, lost savings, loss of data, or any similar
damages, whether based in contract, tort (including negligence), or strict liability,
arising from your use of any of the services or products procured using the platform.
Because some states or jurisdictions do not allow the exclusion or the limitation of
liability for consequential or incidental damages, in such states or jurisdictions, our
liability shall be limited to the maximum extent permitted by the local law of that specific
region.
15 User Indemnification & Legal Responsibility
As a condition of your use of this platform, you agree to indemnify, defend, and hold
harmless our company, our parent organization, subsidiaries, partners, and employees from
any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or
arising out of your breach of these Terms of Service or the documents they incorporate by
reference. This indemnity extends to your violation of any law or the rights of a
third-party, including but not limited to intellectual property or privacy rights. This
means that if your actions lead to a legal dispute involving us, you will be responsible for
covering all associated legal costs, damages, and settlements incurred during the resolution
process.
16 Third-Party Links & External Materials
Certain content, products, and services available via our platform may include materials
from third-parties that are not controlled by us. Third-party links on this site may direct
you to external websites that are not affiliated with our organization. We are not
responsible for examining or evaluating the content, accuracy, or security of these external
sites, and we do not warrant and will not have any liability or responsibility for any
third-party materials or websites, or for any other products or services of third-parties.
Please review carefully the third-party's policies and practices and make sure you
understand them before you engage in any transaction. Complaints, claims, concerns, or
questions regarding third-party products should be directed to the third-party directly.
17 Personal Information Handling & Data Privacy
Your submission of sensitive personal and financial information through our digital portal
is strictly governed by our comprehensive Privacy Policy. We are committed to maintaining
the highest standards of data integrity and confidentiality; however, you acknowledge that
while we utilize industry-standard secure servers and advanced encryption (SSL) to protect
your records, no method of electronic transmission over the Internet or method of digital
storage can be guaranteed as 100% secure. By using our platform, you accept the inherent
security risks of providing information over digital networks. We collect and process your
data solely for the purpose of service fulfillment and regulatory compliance, ensuring that
your financial details are shielded from unauthorized third-party access through rigorous
internal firewalls and cybersecurity protocols.
18 Site Content Errors, Inaccuracies & Omissions
Occasionally, there may be information displayed on our platform that contains typographical
errors, minor inaccuracies, or inadvertent omissions that may relate to service
descriptions, specialized pricing, promotional offers, or service availability. We maintain
the absolute right to correct any such errors, inaccuracies, or omissions, and to change or
update information or cancel service orders if any information on the platform is found to
be inaccurate at any time without prior notice—even after you have submitted your request.
We undertake no obligation to update, amend, or clarify information on the site, except as
required by law. No specified update or refresh date applied on the portal should be taken
to indicate that all information on the entire platform has been modified or updated.
19 Termination of Service & Agreement Validity
The obligations and liabilities of the parties incurred prior to the termination date shall
survive the termination of this agreement for all purposes. These Terms of Service remain
fully effective unless and until terminated by either you or the Company. You may choose to
terminate these Terms at any time by formally notifying our support desk that you no longer
desire to utilize our professional services, or simply by ceasing to access our website.
Conversely, if in our sole judgment you fail, or we suspect that you have failed, to comply
with any term or provision of these Terms of Service, we reserve the right to terminate this
agreement immediately without notice, and you will remain liable for all amounts due up to
and including the date of termination.
20 Governing Law, Jurisdiction & Dispute Resolution
These Terms of Service and any separate, specific agreements whereby we provide you
financial or consultancy services shall be exclusively governed by and construed in
accordance with the laws of India. Any legal action, dispute, or claim arising out of or
relating to these terms, or the breach thereof, shall be settled through friendly
negotiations in good faith. In the event that a resolution cannot be reached, such disputes
shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi,
India. By using this platform, you waive any objection to the laying of venue in such courts
and agree not to plead or claim in any such court that the relevant litigation has been
brought in an inconvenient forum.
21 Official Contact Information & Grievance Redressal
If you have any detailed questions, concerns, or clarifications regarding these Terms of
Service, or if you wish to report a grievance, please contact our legal compliance
department directly at legal@domainname.com. We take all user inquiries
seriously and aim to maintain a transparent professional relationship. Our dedicated support
and legal team will thoroughly review your query and provide a formal response within 24 to
48 business hours. For urgent matters related to account security or payment disputes,
please mention "URGENT" in your email subject line to ensure prioritized handling by our
senior grievance officer. We are committed to resolving all issues in a timely and fair
manner to ensure a seamless experience for our valued users.
