Terms of Service

✋ Acceptance of Terms

By accessing or using AarogyamFin ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this service.

These terms apply to all users of the Service, including the web platform at aarogyamfin.com and the Android mobile application. We reserve the right to modify these terms at any time — continued use constitutes acceptance of updated terms.

📄 Description of Service

AarogyamFin is an AI-powered CA workflow and financial analysis platform that provides the following tools:

— Bank statement analysis with transaction categorization, search, and Excel export

— Financial intelligence dashboard with ITR insights, loan assessment, audit checks, and compliance flags

— Multi-source financial consolidator (26AS + AIS + bank statement → Balance Sheet & P&L in Schedule III format)

— GST compliance suite including GSTR-1 auto-fill, GSTR-3B computation, GSTR-2A/2B ITC reconciliation, and compliance calendar

— AI-powered chat for financial queries on uploaded statements

⚠️ Not Financial, Tax, or Legal Advice

AarogyamFin is a data processing and analysis tool only. It is not a Chartered Accountant, financial advisor, tax consultant, or legal service.

AarogyamFin is not a registered financial advisor or tax practitioner. Nothing on this platform constitutes financial, investment, legal, or tax advice.

All outputs — including Balance Sheet, P&L, GSTR auto-fill data, ITC reconciliation, ITR form suggestions, and loan eligibility estimates — are indicative and require verification by a qualified Chartered Accountant before use in any filing or official submission.

🎯 Accuracy Disclaimer

While we strive for accuracy, AarogyamFin may produce errors in parsing, categorization, GST computation, ITC matching, income reconciliation, or financial statement generation. Results depend on the quality and format of uploaded documents.

Specific limitations include:

— PDF parsing may miss or misread transactions depending on bank statement format and quality

— Credit/Debit classification uses balance-differential methodology which may be inaccurate if statement data is incomplete

— GST computations are estimates based on uploaded data and may not match official GST portal figures

— Schedule III Balance Sheet and P&L are indicative outputs, not audited financial statements

— ITC reconciliation depends on accuracy of uploaded GSTR-2B and purchase register data

💳 Payments & Refunds

Certain features of AarogyamFin require payment. Payments are processed securely through Razorpay in Indian Rupees (INR).

Each paid session grants access to analyze one bank statement PDF. Uploading a different PDF requires a new payment session. Session access is tracked via a statement hash stored in your account.

Refund Policy: Since the service delivers results instantly upon upload, refunds are generally not provided after a statement has been successfully processed. If you experience a technical error that prevents analysis, contact us at [email protected] for resolution.

👤 User Accounts

AarogyamFin requires sign-in via Google Authentication. By signing in, you agree to:

— Provide accurate account information

— Not share your account access with others

— Be responsible for all activity under your account

We reserve the right to suspend or terminate accounts that violate these terms.

🚫 Limitation of Liability

AarogyamFin and its creator are not liable for any financial loss, tax penalty, compliance issue, or damage arising from the use or misuse of this service.

This includes but is not limited to: incorrect transaction analysis, wrong Credit/Debit classification, inaccurate GST computation, incorrect ITC reconciliation, erroneous Balance Sheet or P&L figures, wrong ITR form suggestion, or any decisions or filings made based on the tool's output.

You use this service entirely at your own risk. Always verify outputs with a qualified CA before filing.

📄 Acceptable Use

You agree to use AarogyamFin only for lawful purposes. You must not:

— Upload files containing malicious code or attempt to compromise our servers

— Use automated bots or scripts to abuse the service

— Attempt to reverse engineer, copy, or replicate the service

— Use the service for any illegal financial activity, money laundering, or tax evasion

— Upload documents that you do not have legal authorization to access

— Upload documents belonging to third parties without their explicit consent

👤 Eligibility

You must be at least 18 years of age to use AarogyamFin. By using this service, you confirm that you are 18 or older.

You are responsible for ensuring that your use of this service complies with all applicable laws in your jurisdiction, including the Income Tax Act, GST Act, and PMLA regulations.

🔄 Service Availability

We do not guarantee uninterrupted availability of AarogyamFin. The service may be temporarily unavailable due to maintenance, updates, or technical issues.

We reserve the right to modify, suspend, or discontinue any feature or the entire service at any time without prior notice.

⚖️ Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising from use of this service shall be subject to the exclusive jurisdiction of courts in New Delhi, India.

📬 Contact

Questions about these Terms? Reach us at [email protected]. We're happy to clarify anything.