Terms of Service

01The service

The service provides GST billing, ledger keeping, udhaar tracking, bank statement matching, expense capture, GST return data preparation, financial reports and AI Munim, an AI assistant that works from your own books. These terms apply when you sign up, start a free trial or use any part of the service.

02Your account

• You must give accurate business details and keep your login credentials private.
• You are responsible for the users you invite and the roles you give them.
• You must be authorised to act for the business whose books you keep in the service.

03Free trial

New businesses get 30 days of free access to the plan selected at signup. At the end of the trial you may choose a paid plan. If you do not, your account becomes read-only and your data stays available for export for 60 days.

04Plans and payment

• Plans are priced per business, per year, and are billed in advance.
• Prices exclude applicable taxes, which are added at checkout.
• Upgrades take effect immediately and are charged for the remaining part of the year. Downgrades apply from the next renewal.
• Renewal prices are shown to you before renewal.

05AI Munim and automated suggestions

AI Munim suggests entries, categories, matches, reminders and forecasts based on your data. Suggestions can be wrong. You are responsible for reviewing and approving entries and decisions. Entries are posted automatically only where you have turned on a rule that allows it.

Forecasts and summaries are estimates drawn from your records and are not guarantees of future results.

06GST and tax

The service prepares GST return data from your records for review. Filing of returns is done by you or your accountant. The service does not provide tax, legal or financial advice, and you remain responsible for the accuracy and timely filing of your returns.

07E-invoices and e-way bills

Generation of e-invoices and e-way bills depends on access you grant to government systems and on the availability of those systems. You are responsible for the correctness of the details submitted.

08Bank connections

Bank connections are read-only. The service cannot move money. Availability of connections depends on your bank and on third-party providers.

09Acceptable use

• Do not use the service to record or hide transactions you know to be false.
• Do not send messages to customers who have not dealt with your business.
• Do not attempt to access other businesses’ data or interfere with the service.

10Your data

Your business data belongs to you. You grant us permission to store and process it only to provide the service. You can export it at any time. Our Privacy Policy explains how it is handled.

11Availability and changes

We work to keep the service available at all times, but occasional maintenance and outages can happen. We may improve or change features. If a change materially reduces a paid feature you use, we will tell you in advance.

12Limitation of liability

To the extent permitted by law, our total liability for any claim is limited to the fees you paid for the service in the twelve months before the claim. We are not liable for indirect losses, including tax penalties arising from returns filed without review.

13Ending the service

You may close your account at any time from settings. We may suspend accounts that breach these terms, after notice where possible. On closure, your data remains available for export for 60 days.

14Governing law

These terms are governed by the laws of India, and courts in Karnataka have jurisdiction over any dispute.