Terms of Service

1 Acceptance of Terms

By accessing or using FinLytTech ("the Service") at dashboard.finlyt.net, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

These Terms constitute a legally binding agreement between you (or your organisation) and ACETRILLYTICS TECH LLP ("FinLytTech", "we", "us"). By signing up, you confirm that you have the authority to bind your organisation to these Terms.

2 Description of Service

FinLytTech is an AI-powered financial intelligence platform that:

• Connects to your Zoho Books account via OAuth or processes your Tally Prime XML exports
• Generates MIS reports including P&L, Balance Sheet, Cash Flow, financial ratios, and ageing analysis
• Provides AI-generated narrative commentary on your financial data
• Exports investor-ready PDF reports and Excel workbooks

3 Accounts and Registration

• You must provide accurate information when creating an account, including a valid PAN for your business entity and, where applicable, your GSTIN, CIN (Pvt Ltd / Public Ltd / OPC) or LLPIN (LLPs)
• One account per legal entity. PAN is our unique identifier. Attempts to create multiple accounts under the same PAN — or to circumvent this by altering case, spacing or characters — will result in all such accounts being suspended without refund
• You are responsible for maintaining the confidentiality of your password and for all activity that occurs under your account
• Your IP address is logged on every signup and sign-in for security and abuse-prevention purposes (see Privacy Policy)
• One account may connect to one Zoho Books organisation or one Tally data set at a time
• You must notify us immediately of any unauthorised access to your account via the Contact Us form
• Use of disposable / throwaway email addresses is prohibited and accounts using such addresses may be suspended without notice

4 Free Trial

New users receive a 30-day free trial with full access to all features of the subscribed plan.

• The free trial begins on the date of account creation
• No payment information is required to start the trial
• At the end of 30 days, access to the dashboard is suspended until a subscription is activated
• Your account data is retained for 30 days after trial expiry — you can reactivate by subscribing
• FinLytTech reserves the right to modify or discontinue the free trial offer at any time

5 Subscriptions and Billing

• All prices are in Indian Rupees (₹)
• GST at 18% is applicable on all subscriptions as per SAC code 998314
• GST-registered subscribers will receive a valid tax invoice for ITC claims
• Subscriptions are billed monthly on the date of subscription activation
• Payments are processed via Razorpay — a PCI-DSS compliant payment gateway
• FinLytTech does not store your card details — they are held securely by Razorpay
• Subscriptions auto-renew monthly unless cancelled

6 Refunds

Given the nature of our digital service and the 30-day free trial offered to all users:

• No refunds are provided once a subscription payment has been processed
• If you experience a technical issue that prevents you from using the service, contact us within 7 days and we will investigate and provide a credit or extension at our discretion
• Cancellations take effect at the end of the current billing period — you retain access until then

Exceptions may be made at FinLytTech's sole discretion for documented technical failures on our part. To request an exception, submit a Contact Us request with your account details and description of the issue.

7 Acceptable Use

You agree not to:

• Use FinLytTech for any unlawful purpose or in violation of any Indian law
• Connect FinLytTech to accounting data you do not have authorisation to access
• Attempt to reverse engineer, scrape, or extract data from the FinLytTech platform
• Share your account credentials with third parties
• Use FinLytTech to generate reports for organisations other than your own without a CA Partner Programme agreement
• Attempt to circumvent subscription restrictions or the trial period
• Upload malicious files through the Tally XML upload feature

Violation of these terms may result in immediate account termination without refund.

8 Your Data and Content

You retain full ownership of your financial data at all times. By using FinLytTech, you grant us a limited, non-exclusive licence to access and process your financial data solely for the purpose of generating the reports you request.

• We do not store your financial data (P&L, Balance Sheet, Cash Flow) on our servers
• Tally XML files are deleted immediately after processing
• Your Zoho Books OAuth connection can be revoked at any time from within FinLytTech or from your Zoho account
• You are responsible for ensuring you have the right to connect the accounting data to FinLytTech

Please refer to our Privacy Policy for full details on data handling.

9 AI-Generated Content

• AI-generated content may contain errors or inaccuracies — always verify critical financial figures with your source accounting system
• FinLytTech's AI narrative is generated by Anthropic's Claude API — we do not warrant the accuracy of AI-generated content
• FinLytTech reports should not be submitted as statutory financial statements, audited accounts, or official regulatory filings
• You are solely responsible for decisions made based on FinLytTech reports

9.1 AI Credits

AI features that generate output (narratives, AI-drafted debtor / creditor follow-up emails, scenario analysis runs, loan-readiness CMA generation) consume AI credits. Each subscription tier includes a fixed monthly allowance of credits, sized for typical usage of that tier. The exact monthly allowance, per-credit overage price, and current balance are shown inside your dashboard at all times and confirmed at the point of every generation.

• Free actions (no credits): viewing existing AI output, browsing the dashboard, downloading PDF / Excel exports, deterministic forecasts and predictive alerts. These are computation, not generation.
• No rollover: unused credits expire at month-end and do not carry forward.
• No auto-regeneration: existing AI output never refreshes by itself. It is regenerated only when (a) you explicitly click Regenerate, or (b) you load new books / press F5 to refresh.
• Consent on every generation: the system displays "This will use 1 credit. Continue?" before each AI run. You may opt to skip this prompt for the rest of your session.
• Hard cap with explicit opt-in for overage: when your monthly allowance is exhausted, AI-generate buttons are disabled. You may purchase an overage pack to continue — you must explicitly opt in to each purchase. We do not silently charge you on overage. Existing AI output remains visible regardless.
• Trial: the free trial includes a small sampler of credits, displayed inside the dashboard, sufficient to evaluate AI quality end-to-end. On conversion to a paid plan your tier's monthly allowance applies.
• Overage packs are billed at the per-credit price displayed in the dashboard at the time of purchase. Prices are tier-dependent and may be revised on 30 days' notice; existing prepaid packs are honoured at the rate paid.
• Refunds: unused overage credits are non-refundable once purchased, except where required by law. We do not refund the bundled monthly allowance.

No false promises. AI credits are a real cost to FinLytTech (we pay our model provider per call). The credit system exists to keep the product economics sustainable and the pricing transparent to you. We do not promise unlimited AI generation on any plan.

10 Intellectual Property

The FinLytTech platform, including its software, design, algorithms, and all content created by FinLytTech, is owned by ACETRILLYTICS TECH LLP and protected by Indian intellectual property laws.

Reports generated by FinLytTech from your data are owned by you. The FinLytTech platform and methodology used to generate them are owned by FinLytTech.

"FinLytTech" and the FinLytTech logo are registered trademarks of ACETRILLYTICS TECH LLP. You may not use them without our written permission.

11 Limitation of Liability

To the maximum extent permitted by Indian law:

• FinLytTech is provided "as is" without warranties of any kind, express or implied
• We do not warrant that the service will be uninterrupted, error-free, or completely accurate
• FinLytTech's total liability to you for any claim shall not exceed the amount you paid us in the 3 months preceding the claim
• We are not liable for any indirect, incidental, special, or consequential damages including loss of profits, data, or business arising from your use of or inability to use the service
• We are not liable for decisions made by you or your organisation based on FinLytTech reports

12 Termination

By you: You may cancel your subscription at any time from your account settings. Access continues until the end of the billing period. You may request account deletion via the Contact Us form.

By FinLytTech: We may suspend or terminate your account immediately if you violate these Terms, fail to pay subscription fees, or if we are required to do so by law. We will provide notice where reasonably possible.

Upon termination, your account data is retained for 30 days then permanently deleted, except payment records which are retained for 7 years as required by Indian tax law.

13 Governing Law and Disputes

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of FinLytTech shall be subject to the exclusive jurisdiction of courts in India.

Before initiating formal legal proceedings, we encourage you to contact us to resolve disputes amicably. We will respond within 30 days.

If the dispute is not resolved within 60 days, either party may pursue formal legal remedies under Indian law.

14 Contact

These Terms were last updated on 22 May 2026. Continued use of FinLytTech after changes to these Terms constitutes acceptance of the updated Terms.