Terms & Conditions

Agreement and Acceptance

These Terms of Use (“Terms”) govern access to and use of the Finaira platform, including its firm workspace, client portal, AI-enabled features, communications, task and compliance tools, billing and invoicing functionality, and related services (collectively, the “Platform” or “Services”). The Services are intended for Chartered Accountant and Company Secretary practices in India and for clients invited to use the relevant client portal.

By accepting these Terms electronically, creating or activating an account, accessing the Platform, or using any Service, you confirm that you have authority to enter into these Terms and agree to be bound by them. If you do not agree, you must not access or use the Services.

Who May Use Finaira

Finaira operates as a firm-based, multi-tenant platform. Access is generally provided through an invitation and verification process rather than unrestricted public registration. A participating firm may authorize its personnel, including Partners, Senior CAs, Junior CAs, staff members and viewers, subject to the roles and permissions made available by the firm.

A client may receive access to the portion of the Platform designated by the client’s professional firm. Each user is responsible for using only the account and permissions assigned to that user.

Account Creation, Verification and Security

• The firm must provide accurate and current information during onboarding and verification.
• Finaira may require identity, KYC and firm-level verification before activating an account or enabling particular Services.
• The firm is responsible for selecting authorized users, assigning appropriate roles, managing seats and promptly removing access for personnel who no longer require it.
• Users must protect passwords, authentication factors and other credentials and must notify the firm or Finaira promptly of suspected unauthorized access.
• Users must not share credentials, permit unauthorized persons to use an account, or attempt to access another firm’s or client’s data.
• Finaira may maintain audit records of account activity for security, operational oversight, compliance and investigation purposes.

The Platform documentation states that firm data is isolated by firm and that access is enforced according to user roles. The documentation also describes invite-only activation with identity and KYC checks and a searchable audit record of platform activity.

Scope of the Services

Finaira is designed to support the operational work of professional practices through connected platform surfaces, including:

• Firm workspace: client records, tax and compliance information, tasks, deadlines, notices, billing, invoicing, team roles and related work management.
• Client portal: a client-facing view of compliance status, open work, documents, notices, invoices and communications.
• AI copilot: regulatory research and reasoning, compliance prioritisation, task assistance and drafting support, subject to the limitations in these Terms.
• Platform operations: onboarding, identity verification, account administration, security controls, audit logging and platform monitoring.

AI Features and Professional Review

Finaira includes AI-enabled functionality that can interpret regulatory material, identify or prioritise work, answer questions, assist with tasks and generate draft responses. These outputs are intended to support professional workflows and are not a substitute for the independent judgment, review or approval of a qualified professional.

AI-generated content may be incomplete, inaccurate, outdated, incorrectly interpreted, or unsuitable for a particular client’s facts. A Partner, CA, CS or other appropriately authorized professional must review material before it is relied upon, submitted to a government authority, communicated as professional advice, or otherwise used in a consequential decision.

Where Finaira provides regulatory reasoning or citations, the presence of a citation does not by itself establish that the cited material is current, complete or applicable to the user’s particular circumstances. Users remain responsible for checking the underlying law, rules, notifications, circulars, facts and deadlines.

No Professional, Legal, Tax or Regulatory Advice

The Platform is an operational and technology service. Unless expressly stated in a separate written engagement with the relevant professional firm, Finaira itself does not provide legal, tax, accounting, audit, company-secretarial or investment advice through the Platform.

Information, regulatory content, AI outputs, dashboards, risk indicators, deadline information and other materials available through the Platform are provided to assist users and their professional teams. They must not be treated as a substitute for professional advice or verification of the facts and law applicable to a particular matter.

Client and Firm Responsibilities

• The firm remains responsible for the professional services it provides to its clients, including reviewing work, approving submissions and meeting applicable professional obligations.
• Clients remain responsible for supplying complete, accurate and timely information and documents requested by their professional firm.
• Users must review tasks, deadlines, notices, invoices and other records for accuracy and promptly raise discrepancies.
• No user should rely solely on an automated status, risk score, AI output or system reminder where the applicable matter requires professional judgment or action.
• Users must ensure that they have the necessary authority and rights to upload, disclose or otherwise process information belonging to a client, employee, customer, vendor or other person.

Acceptable Use

You may use the Platform only for lawful, authorized business and professional purposes. You must not:

• access or attempt to access data, accounts, workspaces or functionality for which you do not have permission;
• impersonate another person or misrepresent your affiliation with a firm, client, government body or other entity;
• upload or transmit content that is unlawful, fraudulent, defamatory, malicious, infringing, threatening, obscene or otherwise prohibited by applicable law;
• introduce malware, viruses, ransomware, spyware, destructive code or other harmful material;
• probe, scan, test or circumvent the Platform’s authentication, authorization, tenant isolation or security controls without written permission;
• reverse engineer, decompile, disassemble or attempt to discover source code except to the extent expressly permitted by applicable law;
• scrape, crawl, copy, mirror or systematically extract Platform content or data using bots or automated processes without written authorization;
• interfere with the availability, integrity or performance of the Platform or impose an unreasonable load on its infrastructure;
• use the Platform to commit fraud, facilitate unlawful activity, evade regulatory requirements or infringe another person’s privacy or intellectual property rights;
• use AI outputs to impersonate a professional, fabricate evidence, create false regulatory records or knowingly submit misleading information to an authority.

Data, Documents and Communications

The Platform may contain client records, tax identifiers, compliance information, documents, credentials, notices, billing records and communications. The firm and its users are responsible for ensuring that they have the lawful basis, authority and permissions required to provide such information to Finaira and to use it through the Platform.

The product documentation describes firm-by-firm data isolation and role-based access. Finaira may process account and platform data as reasonably necessary to operate, secure, maintain and improve the Services, subject to its Privacy Policy and applicable law.

Users should not place information into the Platform that they are not authorized to disclose or that is unnecessary for the relevant Service. Specific retention, deletion, security and data-subject rights should be addressed in Finaira’s separate Privacy Policy and, where applicable, a data-processing or enterprise agreement.

Third-Party Services and External Information

The Platform may depend on or interact with external services, communication channels, government information sources, infrastructure providers or other third parties. Finaira may not control the availability, accuracy, security, content or policies of such third-party services.

Information obtained from government or other external sources may be delayed, unavailable, incomplete or changed without notice. Users remain responsible for verifying material information before taking action.

Regulatory Content and Government Portals

Finaira’s product materials describe continuous monitoring and ingestion of government circulars and Acts and a regulatory reasoning engine for GST, with broader Income Tax coverage under development. Automated retrieval of notices from government portals is described as a future capability pursued through compliant workflows and official data partnerships. Nothing in the Platform guarantees access to any government portal, government record, notice, filing system or regulatory feed.

Where a government portal, statutory system, bank, messaging provider or other external system is unavailable or changes its technical or access requirements, Finaira is not responsible for the resulting delay or inability to complete an action through that external system.

Availability, Maintenance and Changes

Finaira will use commercially reasonable efforts to operate the Platform, but uninterrupted or error-free availability is not guaranteed. The Services may be unavailable or degraded because of maintenance, upgrades, infrastructure failures, third-party outages, internet or telecommunications failures, security incidents, government-system interruptions, or events outside Finaira’s reasonable control.

Finaira may release fixes, security updates, enhancements and new functionality and may discontinue or materially change features. Where a change materially affects an existing paid service, Finaira should provide notice in accordance with the applicable commercial terms.

Fees, Plans and Billing

Finaira may offer subscription plans, seat-based licensing or other paid arrangements. The applicable plan, number of seats, billing cycle, taxes, payment method, renewal terms and any usage limits will be stated in the order form, pricing page, subscription agreement or other commercial document applicable to the customer.

Unless otherwise stated in the applicable commercial terms, fees are payable for the subscription period selected and are separate from professional fees, government charges, statutory fees or charges imposed by third-party providers.

The Platform includes task-based and rate-card functionality for firms. Such functionality helps a firm generate and manage invoices; it does not by itself establish the amount a firm is entitled to charge a client unless agreed between the firm and that client.

Intellectual Property

Finaira and its licensors retain all rights, title and interest in the Platform, software, interfaces, designs, documentation, trademarks, AI systems, models, workflows, databases, compilations and other proprietary materials, except for rights expressly granted to users under these Terms.

Subject to these Terms and any applicable subscription limits, Finaira grants an authorized user a limited, non-exclusive, non-transferable, revocable right to access and use the Services for the user’s internal business or professional purposes.

You retain ownership of information and documents you lawfully provide to the Platform, subject to the rights necessary for Finaira to host, process, display, transmit, secure and otherwise provide the Services. You must not use Finaira’s name, branding or proprietary materials in a way that suggests an endorsement or relationship that does not exist.

Confidentiality

Users must treat confidential client, firm and business information accessed through the Platform as confidential and must disclose it only to persons authorized to receive it. Finaira’s handling of personal and confidential information is further governed by its Privacy Policy and applicable contractual commitments.

Links and External Content

The Platform may contain links, integrations or references to external websites and services. Finaira does not control third-party content or policies and is not responsible for their availability, accuracy, security or privacy practices. Your use of an external service is subject to that provider’s terms and policies.

Suspension and Termination

Finaira may suspend or restrict access where reasonably necessary to protect the Platform, users, data or third parties; to investigate suspected misuse or security incidents; to comply with law or a regulatory direction; or where the customer materially breaches these Terms or applicable commercial terms.

A firm may discontinue its subscription in accordance with its applicable order form or subscription terms. On termination or expiry, access may cease and data may become unavailable after the retention period specified in the Privacy Policy, subscription terms or applicable law.

Termination does not eliminate obligations that by their nature should continue, including obligations concerning confidentiality, intellectual property, accrued payment obligations, limitations of liability and dispute resolution.

Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND SERVICES ARE PROVIDED ON AN “AS AVAILABLE” AND “AS IS” BASIS. FINAIRA DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY ACCURATE, OR SUITABLE FOR EVERY PARTICULAR PROFESSIONAL, TAX, LEGAL OR COMPLIANCE MATTER.

FINAIRA DOES NOT GUARANTEE THAT A DEADLINE WILL NEVER BE MISSED, THAT A NOTICE WILL ALWAYS BE DETECTED, THAT A REGULATORY INTERPRETATION WILL BE CORRECT, THAT AN AI-GENERATED RESPONSE WILL BE ACCEPTED BY AN AUTHORITY, OR THAT A PARTICULAR BUSINESS OUTCOME WILL RESULT FROM USING THE PLATFORM.

Limitation of Liability

To the maximum extent permitted by applicable law, Finaira and its directors, employees, affiliates, licensors and service providers will not be liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, business opportunity, goodwill or data, arising from or relating to the use of or inability to use the Platform.

Any aggregate liability cap, if applicable, should be stated in the customer’s order form or subscription agreement. If no separate cap is agreed, the parties should have this clause reviewed and completed by counsel before publication.

Indemnity

To the extent permitted by law and subject to any applicable commercial agreement, you agree to defend, indemnify and hold harmless Finaira and its affiliates, personnel and service providers from claims, losses, liabilities and reasonable costs arising from your unlawful use of the Platform, your breach of these Terms, your infringement of third-party rights, or your failure to obtain required rights or permissions for information uploaded or processed through the Services.

Records and Audit Trail

The Platform may maintain system records, access logs, task histories and other audit information to support security, troubleshooting, account administration, operational oversight and dispute investigation. Where transaction or activity records are relevant to a dispute, system records may be used as evidence together with other information reasonably available to the parties.

Communications and Notices

Finaira may communicate with users through email, in-product notifications, messages or other contact details associated with the account. Users are responsible for keeping their contact information current and monitoring communications relevant to their account.

Operational messages may include account, security, service, billing, maintenance and other notices. Marketing communications, where applicable, should be handled in accordance with applicable consent and opt-out requirements.

Changes to These Terms

Finaira may update these Terms from time to time to reflect changes in the Platform, law, security practices or business operations. The updated version will identify the revision date. Where applicable law or the customer’s contract requires advance notice of a material change, Finaira will provide that notice through an appropriate channel.

Governing Law and Dispute Resolution

These Terms should be governed by the laws of India, subject to the mandatory provisions of applicable law. The exclusive jurisdiction, venue and any arbitration mechanism should be specified in the final version by Finaira’s counsel based on the company’s registered office and commercial contracting structure:

General Provisions

• If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue to the extent permitted by law.
• A failure to enforce a provision does not waive the right to enforce it later.
• You may not assign or transfer your rights or obligations under these Terms except as permitted by the applicable commercial agreement.
• These Terms, together with any applicable subscription agreement, order form, Privacy Policy and other expressly incorporated terms, form the agreement governing use of the Services.
• Nothing in these Terms creates a partnership, agency, fiduciary relationship or employment relationship between Finaira and a user or customer.

Contact Information

Questions, legal notices and support requests should be directed to: