Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Fintale Technologies Pvt. Ltd. ("Fintale", "we", "us", or "our"), a company incorporated under the Companies Act, 2013 and registered in India, with its principal office in Gujarat.

By accessing or using the Fintale platform, including but not limited to our website at fintale.io, web applications, APIs, AI-powered tools, and any associated services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Services immediately.

These Terms apply to all visitors, users, subscribers, and any other persons who access or use the Services, whether on a free or paid basis.

• "Platform" refers to the Fintale SaaS application, web portal, and all integrated tools accessible through fintale.io or related subdomains.
• "Products" refers to Fintale Lens, CFO Intelligence, InvoiceOS, and P2P Management, along with any additional products or features released by Fintale.
• "User Data" refers to all data, documents, files, financial records, and information uploaded, submitted, or generated by the User through the Platform.
• "Subscription" refers to the paid or trial access plan under which a User accesses the Services.
• "AI Features" refers to any machine learning, artificial intelligence, or automated analysis capabilities within the Products.

Fintale provides a suite of AI-powered financial intelligence tools designed for chartered accountant (CA) firms, CFO offices, MSMEs, and enterprise finance teams operating primarily within the Indian regulatory framework. Our Products include:

Fintale Lens

A Tally-native audit and intelligence tool that performs automated rule-engine checks across ledgers, reconciliations, and compliance parameters. Fintale Lens surfaces anomalies, misclassifications, and filing risks from your Tally data.

CFO Intelligence

An AI-powered financial dashboard that provides real-time visibility into financial health metrics, cash flow forecasting, working capital analysis, and compliance status for CFO and management decision-making.

InvoiceOS

A billing and invoicing automation suite built specifically for CA firms, supporting time-based billing, recurring invoices, client-wise receivables tracking, GST-compliant invoice generation, and payment follow-ups.

P2P Management

A procure-to-pay workflow platform that automates purchase order creation, vendor invoice matching, approval routing, payment scheduling, and MSME Section 43B(h) compliance tracking.

To access certain features of the Platform, you must create an account through our login portal. By registering, you agree to the following:

• You must provide accurate, current, and complete information during registration and keep your account information up to date.
• You are responsible for maintaining the confidentiality of your login credentials, including your password and any API keys or tokens associated with your account.
• You must immediately notify Fintale at hello@fintale.io if you become aware of any unauthorized access to or use of your account.
• You may not share your account credentials with third parties or allow multiple individuals to use a single-user account.
• Fintale reserves the right to suspend or terminate accounts that are inactive for more than 12 consecutive months, or that violate these Terms.
• You must be at least 18 years of age to create an account. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Access to the Platform is offered through subscription plans, including free-tier, trial, and paid plans as described on our pricing page or in a separate order form or statement of work.

• Free Tools: Certain tools (such as calculators and utilities) are offered free of charge. Fintale reserves the right to modify, limit, or discontinue free tools at any time without notice.
• Paid Subscriptions: Paid plans are billed on a monthly or annual cycle as selected at the time of purchase. All fees are quoted in Indian Rupees (INR) and are exclusive of applicable taxes (including GST).
• Payment: Payments are due at the start of each billing cycle. Failure to pay within 15 days of the due date may result in suspension or downgrade of your account.
• Refunds: Subscription fees are non-refundable except where required by applicable Indian law, or at Fintale's sole discretion for documented service issues.
• Price Changes: Fintale may revise subscription pricing with at least 30 days' prior written notice. Continued use of the Services after the effective date of a price change constitutes acceptance of the new pricing.

You agree to use the Services only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Platform to process, store, or transmit data that is unlawful, defamatory, fraudulent, or infringes on any third party's intellectual property or privacy rights.
• Attempt to gain unauthorized access to any part of the Platform, other users' accounts, or Fintale's servers and infrastructure.
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any Fintale software or AI models.
• Use automated scripts, bots, or crawlers to access the Platform except through Fintale's officially documented APIs.
• Resell, sublicense, or redistribute access to the Services without Fintale's prior written consent.
• Upload malicious code, viruses, or any material intended to disrupt the Platform's operation.
• Use AI Features to generate misleading financial statements, fabricate compliance reports, or commit fraud.

Fintale takes the protection of your data seriously. Our handling of User Data is governed by both these Terms and our Privacy Policy.

Data Ownership

You retain all rights, title, and interest in your User Data. Fintale does not claim ownership of any data you upload to or generate through the Platform. Upon termination of your account, you may request export of your User Data within 30 days.

Data Processing

By using the Services, you grant Fintale a limited, non-exclusive licence to process your User Data solely for the purpose of providing and improving the Services. This includes running AI models and analytics on your data to generate insights, reports, and recommendations within the Platform.

Data Security

We implement industry-standard security measures including encryption in transit (TLS 1.2+) and at rest (AES-256), role-based access controls, audit logging, and regular security assessments. However, no system is completely secure, and Fintale cannot guarantee absolute security of your data.

Compliance with Indian Law

Fintale processes data in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023, as applicable. We do not transfer User Data outside of India without prior consent.

Third-Party Integrations

Certain features may integrate with third-party services (e.g., Tally, payment gateways, email providers). Your use of such integrations is subject to the respective third party's terms and privacy policies. Fintale is not responsible for the data practices of third-party providers.

All intellectual property rights in the Platform, Products, and Services -- including but not limited to the software, AI models, algorithms, rule engines, user interface designs, documentation, branding, logos, and any proprietary methodologies -- are and shall remain the exclusive property of Fintale Technologies Pvt. Ltd.

• Licence Grant: Subject to your compliance with these Terms, Fintale grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for your internal business purposes during the term of your Subscription.
• Restrictions: You may not copy, modify, create derivative works from, or distribute any part of the Platform. You may not use Fintale's trademarks, trade names, or branding without prior written permission.
• Feedback: If you provide suggestions, feature requests, or feedback regarding the Services, you grant Fintale a perpetual, irrevocable, royalty-free licence to use and incorporate such feedback into the Platform without any obligation to you.

Several of our Products incorporate artificial intelligence and machine learning capabilities. By using these AI Features, you acknowledge and agree to the following:

• Informational Only: AI-generated outputs, including financial insights, anomaly detection results, compliance flags, and recommendations, are provided for informational purposes only and do not constitute professional advice.
• No Guarantee of Accuracy: While we strive for high accuracy, AI models may produce errors, incomplete results, or outputs that require professional review. You must independently verify all AI-generated outputs before relying on them for compliance filings, financial decisions, or reporting.
• Continuous Improvement: Fintale may update, retrain, or modify its AI models from time to time to improve performance. Such updates may alter the nature or format of AI-generated outputs.
• Human Oversight Required: AI Features are designed to augment human expertise, not replace it. Users are solely responsible for the final accuracy of any filings, reports, or decisions made using the Platform.

To the maximum extent permitted by applicable Indian law:

• The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Fintale shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of revenue, loss of profits, loss of data, or business interruption, arising out of or in connection with your use of the Services.
• In no event shall Fintale's total aggregate liability exceed the amount paid by you to Fintale for the Services during the twelve (12) months immediately preceding the event giving rise to the claim.
• Fintale shall not be liable for any penalties, interest, or fines levied by any tax or regulatory authority arising from reliance on AI-generated outputs or automated compliance checks without independent professional verification.

You agree to indemnify, defend, and hold harmless Fintale Technologies Pvt. Ltd., its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the Services in violation of these Terms.
• Your breach of any applicable law or regulation, including Indian tax and corporate law.
• Any User Data uploaded by you that infringes on the intellectual property or privacy rights of a third party.
• Any reliance on AI-generated outputs without proper professional verification.

Fintale aims to maintain high availability of the Platform but does not guarantee uninterrupted or error-free operation. We reserve the right to:

• Perform scheduled maintenance with reasonable advance notice via email or in-app notification.
• Modify, update, or discontinue any feature or Product, with at least 30 days' notice for material changes affecting paid subscribers.
• Temporarily suspend access in the event of security incidents, infrastructure failures, or force majeure events.

Fintale shall not be liable for any loss or damage arising from service interruptions caused by circumstances beyond our reasonable control, including natural disasters, government actions, internet outages, or cyberattacks.

Either party may terminate the subscription and these Terms as follows:

• By You: You may cancel your Subscription at any time through your account settings or by contacting hello@fintale.io. Cancellation takes effect at the end of the current billing period.
• By Fintale: We may suspend or terminate your account immediately if you breach these Terms, engage in fraudulent activity, or fail to cure a payment default within 15 days of notice.
• Effect of Termination: Upon termination, your right to access the Services ceases immediately. You may request export of your User Data within 30 days of termination, after which Fintale may delete your data in accordance with our data retention policies.

Sections 7 (Data Processing), 8 (Intellectual Property), 10 (Limitation of Liability), 11 (Indemnification), and 14 (Governing Law) shall survive termination of these Terms.

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Before initiating any legal proceedings, the parties agree to attempt resolution through good-faith negotiations for a period of at least 30 days. If negotiations fail, either party may pursue mediation or arbitration under the Arbitration and Conciliation Act, 1996, with the seat of arbitration in Ahmedabad, Gujarat.

Each party agrees to treat as confidential all non-public information disclosed by the other party in connection with the Services, including but not limited to business plans, financial data, technical specifications, and customer information.

Confidentiality obligations do not apply to information that: (a) is or becomes publicly available without breach of these Terms; (b) was already known to the receiving party; (c) is independently developed without reference to confidential information; or (d) is required to be disclosed by law or court order, provided the disclosing party is given reasonable advance notice where permitted.

• Entire Agreement: These Terms, together with any applicable order forms, statements of work, and the Privacy Policy, constitute the entire agreement between you and Fintale with respect to the Services.
• Amendments: Fintale may update these Terms from time to time. Material changes will be communicated via email or prominent notice on the Platform at least 15 days before taking effect. Continued use after the effective date constitutes acceptance.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: No failure or delay by Fintale in exercising any right under these Terms shall constitute a waiver of that right.
• Assignment: You may not assign or transfer your rights under these Terms without Fintale's prior written consent. Fintale may assign its rights and obligations in connection with a merger, acquisition, or sale of assets.
• Force Majeure: Neither party shall be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including natural disasters, pandemics, government orders, or infrastructure failures.

If you have any questions about these Terms of Service, please contact us:

• Company: Fintale Technologies Pvt. Ltd.
• Email: hello@fintale.io
• Phone: +91 88493 05858
• Website: https://fintale.io