Terms of Service

2.1 Acceptance of Terms

By creating a FinSpyne profile, using our website (finspyne.com), mobile application, or engaging any of our services, you agree to be bound by these Terms of Service.

If you do not agree to these terms, please do not use our services.

These Terms apply to all users including individuals, proprietors, partnership firms, LLCs, companies, and any other legal entity that engages FinSpyne for services.

By agreeing to these terms, you confirm that you are at least 18 years of age.

2.2 Services Offered

FinSpyne provides the following professional services, each subject to a separate engagement and fee:

• Income Tax Return (ITR) filing — CA Certified
• GST compliance — GSTR-1, GSTR-3B, GSTR-9, and related filings
• Accounting and bookkeeping
• Company incorporation and ROC/MCA filings
• Financial planning and investment advisory
• Insurance advisory and claims support

Specific scope, deliverables, timelines, and fees for each service will be communicated and agreed upon before the engagement commences.

FinSpyne reserves the right to decline or discontinue any engagement at its discretion.

2.3 Client Obligations

As a client of FinSpyne, you agree to:

• Provide accurate, complete, and truthful information and documents required for your engagement
• Confirm that you are at least 18 years of age and a person of sound mind
• Respond to requests for additional information or clarification within a reasonable time
• Understand that failure to provide required information before communicated deadlines shall remain the sole responsibility of the client
• Not use FinSpyne services for unlawful purposes including tax evasion, fraud, or money laundering
• Maintain confidentiality of your FinSpyne login credentials
• Notify us promptly of any changes to your financial or personal information affecting filings or financial planning services

2.4 CA Certification

FinSpyne's CA Certified ITR is a signed certificate issued by a qualified Chartered Accountant registered with the Institute of Chartered Accountants of India (ICAI).

The certificate confirms that the ITR was prepared and filed by a qualified professional.

The certificate does not constitute a guarantee of any particular tax outcome, refund amount, or immunity from scrutiny by the Income Tax Department.

2.5 Fees and Payment

• Fees for each service will be communicated before engagement and must be paid prior to commencement of work, unless agreed otherwise in writing
• All fees are inclusive of applicable GST unless stated otherwise
• Payments are processed securely through Razorpay. FinSpyne does not store card details
• FinSpyne reserves the right to revise fees for future engagements at any time

2.6 Turnaround Time

FinSpyne will make reasonable efforts to complete engagements within communicated timelines. However, timelines are estimates only.

Delays may occur due to:

• Delay in client providing required documents
• Technical issues with government portals
• High-volume filing periods such as ITR filing season and GST deadlines

FinSpyne shall not be liable for penalties, interest, or delays caused by factors outside our reasonable control.

2.7 Limitation of Liability

• FinSpyne's total liability for any engagement shall not exceed the fees paid for that engagement
• FinSpyne shall not be liable for indirect, consequential, or punitive damages
• FinSpyne shall not be liable for penalties arising from inaccurate, incomplete, or withheld information by the client
• FinSpyne shall not be liable for delays caused by government portal downtime, technical issues, or force majeure events

2.8 Intellectual Property

All content on finspyne.com including the FinSpyne brand, logo, website design, CA Certificate design, and written content is the intellectual property of FinSpyne.

Such material may not be reproduced, copied, or distributed without prior written permission.

2.9 Account Termination

FinSpyne reserves the right to suspend or terminate your account if:

• You provide false or misleading information
• You engage in abusive, fraudulent, or unlawful conduct
• You use FinSpyne services to facilitate tax evasion or financial fraud

You may close your account at any time by contacting us.

Outstanding fees for completed services must be settled before account closure.

2.10 Governing Law and Disputes

These Terms of Service are governed by the laws of India.

Any disputes relating to these Terms or use of FinSpyne services shall be subject to the exclusive jurisdiction of the courts in Sirsa, Haryana, India.

We encourage you to contact us first to resolve disputes informally before initiating legal proceedings.

2.11 Changes to These Terms

FinSpyne may update these Terms of Service from time to time.

Material changes will be communicated via email or dashboard notification at least 7 days before they take effect.

Continued use of FinSpyne services after the effective date constitutes acceptance of the revised Terms.