Legal Documents

1Information We Collect

Information you provide directly

• Full name, email address and phone number submitted via our contact form
• Business name, nature of services sought, and any message content you provide
• Billing and payment details when engaging paid services (processed through authorised payment channels)
• Documents, financial data, or other business information shared with us during a professional engagement

Information collected automatically

• IP address, browser type, device type and operating system
• Pages viewed, time spent on pages and referring URLs
• Approximate geographic location based on IP address

2How We Use Your Data

• To respond to your enquiries and provide requested professional services
• To communicate important updates, service changes or compliance deadlines relevant to your engagement
• To improve our website, tools and services based on aggregate usage patterns
• To comply with applicable legal and regulatory obligations in India and/or the UAE
• To process payments and maintain accurate records of engagements
• To send marketing communications — only if you have explicitly opted in

3Sharing of Information

We do not sell, rent or trade your personal information. We may share data only in these limited circumstances:

• Service providers: trusted third parties who help operate our website or deliver services (e.g. email platforms, cloud storage), bound by confidentiality obligations
• Regulatory authorities: when required by Indian or UAE law, court order or government authority
• Professional obligations: where disclosure is necessary to deliver agreed services (e.g. MCA filings, GST registrations)
• Business transfers: in the event of a merger, acquisition or sale of assets, with prior notice to affected clients

4Cookies & Analytics

Our website may use cookies and similar technologies, including essential cookies for basic functionality, analytics cookies to understand aggregate, anonymous usage, and preference cookies that remember your settings. You may disable cookies in your browser settings; some parts of the site may then not work as intended.

5Data Security

We use industry-standard technical and organisational measures — including HTTPS connections, access controls and limited retention — to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6Data Retention

We retain personal data only as long as necessary for the purposes in this policy or as required by law. Client engagement records are typically retained for at least 8 years in line with Indian accounting and tax record-keeping requirements. Contact form submissions are retained for up to 2 years unless an engagement results.

7Your Rights

Subject to applicable law, including the Digital Personal Data Protection Act, 2023, you may:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data where we have no legal basis to retain it
• Withdraw consent for marketing communications at any time
• Raise a grievance with us, and thereafter with the relevant data protection authority

To exercise these rights, email info@finalyticalsolutions.com.

8Third-Party Links

Our website contains links to third-party services such as WhatsApp and LinkedIn. We are not responsible for their privacy practices and encourage you to review their policies.

9Children's Privacy

Our website and services are intended for adults and businesses. We do not knowingly collect personal information from anyone under 18. If we become aware of such collection, we will promptly delete the data.

10Policy Updates

We may update this Privacy Policy from time to time. The updated version will be published on this page with a revised date. Continued use of our website or services after changes constitutes acceptance of the revised policy.

11Contact Us

For any privacy-related questions, requests or concerns:

1Acceptance of Terms

By accessing finalyticalsolutions.com (the "Website"), you represent that you are at least 18 years of age, have read and understood these Terms, and agree to be legally bound by them.

2Use of Website & Tools

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its free tools, subject to these Terms. You may not:

• Reproduce, distribute or create derivative works from our content without written permission
• Use automated tools, scrapers or bots to extract data from the Website
• Attempt to gain unauthorised access to any part of the Website or related systems
• Use the Website in any manner that could disable, damage or impair it
• Use the Website for unlawful purposes or in violation of any applicable regulations

3Intellectual Property

All content on this Website — including text, graphics, logos, tool designs, code and calculators — is the property of Finalytical Solutions and is protected under applicable Indian intellectual property laws. You may share links to our tools and content, but may not reproduce, republish or commercially exploit any material without prior written consent.

4User Conduct

• Do not provide false, misleading or fraudulent information when contacting us
• Do not interfere with the security or proper working of the Website
• Do not transmit malicious code, viruses or harmful data
• Do not harass, threaten or impersonate any person or entity
• Do not violate any applicable local, national or international law

5Free Financial Tools

Our free tools — the EMI Calculator, Reverse EMI Calculator, GST Calculator, SIP Calculator and Depreciation Calculator — are provided for general informational and educational purposes only.

• All calculations are performed locally in your browser; no input data is stored or transmitted
• Accuracy depends entirely on the correctness of the inputs you provide
• Results should not be the sole basis for any financial commitment, filing or legal obligation
• We may modify, update or withdraw any tool without prior notice

5AFree GST Billing

Anyone may create a company on the billing service at /create. By creating a company you agree that:

• The details you enter (business name, address, GSTIN, bank details) are correct and belong to your business, and you are responsible for every invoice and entry made under your company
• Your invoices, parties, items and logins are stored in a Google Sheet and Google Drive folder kept by Finalytical Solutions for your company; we do not sell or share this data, and use it only to run the service
• You keep your company code, Login IDs and passwords safe, and you are responsible for the staff logins you create
• The service is provided free and "as is". Keep your own copies of important invoices; we may limit, suspend or close a company that misuses the service or stays unused for a long time
• Invoices follow the GST format you choose; checking tax rates, HSN codes and filings remains your responsibility

To close your company or get a copy of your data, write to us using the contact details below.

6Professional Services

Engagement of our professional services (accounting, compliance, advisory, etc.) is governed by separate engagement letters or service agreements. These Terms supplement but do not replace them; in case of conflict, the executed agreement prevails.

7Limitation of Liability

To the maximum extent permitted by law, Finalytical Solutions, its partners, employees and associates shall not be liable for:

• Any indirect, incidental, special or consequential damages arising from use of the Website
• Any errors or inaccuracies in free tool outputs
• Any loss of data, profits or business opportunities resulting from reliance on Website content
• Interruptions, delays or unavailability of the Website

Our total aggregate liability, where applicable, shall not exceed the amount you paid us (if any) in the three months preceding the claim.

8Indemnification

You agree to indemnify and hold harmless Finalytical Solutions and its partners, employees and agents from any claims, liabilities, damages, costs or expenses (including legal fees) arising out of your use of the Website, your violation of these Terms, or your infringement of any third-party rights.

9Termination

We may suspend or terminate your access to the Website at our discretion, without notice, if you violate these Terms or engage in conduct detrimental to the Website, other users, or Finalytical Solutions.

10Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising under or in connection with them are subject to the exclusive jurisdiction of the courts at Ahmedabad, Gujarat, India.

11Changes to Terms

We may modify these Terms at any time. Changes take effect when posted on this page. Continued use of the Website after changes constitutes acceptance of the revised Terms.

12Contact

For questions about these Terms of Use:

1General Disclaimer

The information on this website is for general informational and educational purposes only. Finalytical Solutions makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of any information, tools or services on this website.

2Financial Tools Disclaimer

The free tools on this website — the EMI, Reverse EMI, GST, SIP and Depreciation calculators — are general-purpose estimation tools only.

• Results are based solely on your inputs and standard formulas; they do not account for individual circumstances, policy changes, or exceptions under applicable law
• EMI results are approximations; actual EMIs depend on the lender's policies, compounding method, rounding and fees
• SIP returns are projections at an assumed constant rate; actual mutual fund returns vary and are subject to market risk
• GST calculations apply the rate you select; exemptions, compensation cess and special schemes may not be reflected
• Depreciation schedules follow the general method of Schedule II to the Companies Act, 2013 and section 32 of the Income-tax Act; they compute each asset separately and do not model block-level adjustments, sale of assets, additional depreciation or component accounting

3Not a Substitute for Professional Advice

Using our tools or reading our content does not create a client–adviser relationship with Finalytical Solutions. Before making financial, legal or business decisions, consult a qualified professional who can consider your specific circumstances and the laws applicable to you.

4Accuracy of Content

Laws, regulations and market conditions change frequently. While we try to keep information current, we do not guarantee that it is complete, up to date or error-free, and disclaim liability for decisions based on outdated or inaccurate content.

5Investment Disclaimer

• Any content or tool output related to mutual funds, SIPs or other instruments is for illustration only
• Past performance and projected returns do not guarantee future results; all investments are subject to market risks
• Finalytical Solutions is not a SEBI-registered investment adviser and does not recommend specific securities or products

6Tax & Legal Disclaimer

References to tax rates, slabs, deductions or compliance timelines are for general awareness only and should be verified with a qualified chartered accountant, tax consultant or legal professional before use in any computation, filing or compliance. Finalytical Solutions is not liable for any tax, penalty or legal consequence arising from reliance on information or tool outputs on this website.

7External Links

Links to third-party websites are provided for convenience only. We do not control or endorse their content and accept no responsibility for it.

8Website Availability

We do not warrant that this website will be available at all times or error-free, and may modify, suspend or discontinue any part of it without notice.

9Jurisdictional Note

Content on this website is intended primarily for users in India and the UAE. If you access it from elsewhere, it may not reflect the requirements applicable to you.

10Questions & Contact

If you have questions about this Disclaimer or would like professional advice from our team: