Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you") and Fintrack ("Company", "we", "us"), governing your access to and use of the Fintrack platform, including all features, APIs, and associated services.

Eligibility

• ▸You must be at least 18 years old to create an account
• ▸You must have the legal capacity to enter into a binding contract under Indian law
• ▸If registering on behalf of a company, you warrant that you have the authority to bind that entity

Account responsibilities

• ▸You are responsible for maintaining the confidentiality of your login credentials
• ▸You must notify us immediately at support@deltacodes.in if you suspect unauthorised access
• ▸You are liable for all activity that occurs under your account
• ▸You may not share your account credentials with anyone outside your organisation
• ▸Each user must have their own named account — shared logins are not permitted

Account accuracy

You agree to provide accurate, current, and complete information during registration and to update it when it changes. Accounts with materially false information may be suspended without notice.

Plans and payment

Fintrack is offered on a subscription basis. By selecting a paid plan you authorise us to charge your payment method on a recurring basis at the then-current price until you cancel.

• ▸Subscriptions are billed monthly or annually, in advance
• ▸All prices are in Indian Rupees (INR) and are inclusive of applicable taxes
• ▸Payments are processed by Razorpay and subject to their terms
• ▸Failed payments will trigger a 7-day grace period before service suspension

Free trial

New accounts receive a 14-day free trial of the Growth plan with no credit card required. At the end of the trial, the account automatically converts to the free tier unless a paid plan is selected.

Upgrades and downgrades

• ▸Upgrades take effect immediately; the price difference is prorated
• ▸Downgrades take effect at the next billing cycle; no refund is issued for unused time

Refunds

All subscription fees are non-refundable except where required by applicable law, or in cases of documented billing errors. To request a refund due to a billing error, contact billing@deltacodes.in within 7 days of the charge.

Price changes

We may change subscription prices with 30 days' notice by email. Your continued use after the new price takes effect constitutes acceptance.

You agree to use Fintrack only for lawful purposes and in accordance with these Terms.

You must not:

• ▸Use the platform to commit fraud, money laundering, or any other illegal activity
• ▸Upload or store data that infringes any intellectual property rights
• ▸Attempt to reverse-engineer, decompile, or extract the source code of any part of the platform
• ▸Use automated tools (bots, scrapers) to access the platform outside of our official API
• ▸Resell, sublicense, or white-label access to the platform without written permission
• ▸Introduce malware, viruses, or any malicious code
• ▸Circumvent, disable, or interfere with security features of the platform
• ▸Use the platform to store TOTP secrets or credentials for purposes unrelated to your legitimate business operations

GSTIN and financial data

You are solely responsible for the accuracy of the GST numbers, financial amounts, and party details you enter. Fintrack is a tool to assist your record-keeping — it is not a substitute for qualified professional tax or accounting advice.

Ownership

All data you enter into Fintrack — invoices, transactions, party records, P&L entries — remains your property. We claim no ownership or licence over your business data beyond what is necessary to provide the service.

Licence to operate

By using Fintrack, you grant us a limited, non-exclusive, royalty-free licence to store, process, and display your data solely for the purpose of providing the platform to you and your authorised users.

Data portability

You may export your data in CSV format at any time from the Settings page. On account closure, we will provide a full data export upon request before deletion.

No use for AI training

We will never use your business data — including invoices, financial records, or credential vault contents — to train machine learning models, whether operated by us or any third party.

The Fintrack platform — including its software, design, trademarks, logos, and documentation — is the exclusive property of Fintrack and is protected by Indian and international intellectual property law.

• ▸You may not copy, modify, or distribute any part of the platform without written consent
• ▸The Fintrack name and logo are unregistered trademarks of the Company
• ▸Feedback or suggestions you submit may be used by us without obligation or compensation

These Terms do not grant you any rights in our intellectual property other than the limited licence to use the platform as described herein.

Uptime target

We target 99.5% monthly uptime for the Fintrack platform, measured at the API gateway level excluding scheduled maintenance.

Scheduled maintenance

We aim to perform scheduled maintenance between 02:00 – 04:00 IST on Sundays. We will provide at least 24 hours' notice via the status page and email for any maintenance expected to exceed 30 minutes.

No guarantee of availability

Service modifications

We reserve the right to modify, suspend, or discontinue any feature with 30 days' notice. For material discontinuations, we will provide a data export facility for at least 60 days.

Disclaimer of warranties

Fintrack is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.

Liability cap

To the maximum extent permitted by applicable law, the Company's total liability for any claims arising out of or related to your use of the platform shall not exceed the amount you paid to us in the 3 months preceding the claim.

Excluded losses

We shall not be liable, under any circumstances, for:

• ▸Loss of profits, revenue, goodwill, or business opportunity
• ▸Loss of data beyond what is recoverable from our 30-day backup retention
• ▸Indirect, incidental, special, or consequential damages
• ▸Penalties or fines arising from incorrect GST filings based on data in the platform
• ▸Losses arising from unauthorised access due to your failure to protect your credentials

You agree to indemnify, defend, and hold harmless Fintrack and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• ▸Your use of the platform in violation of these Terms
• ▸Your violation of any applicable law or third-party right
• ▸Data you enter into the platform that infringes any third-party intellectual property right
• ▸Any act or omission of your authorised users

Termination by you

You may cancel your account at any time from the Billing settings page. Cancellation takes effect at the end of the current billing period. You will retain access until then and may export your data at any time.

Termination by us

We may suspend or terminate your account immediately and without notice if you:

• ▸Breach any provision of these Terms
• ▸Engage in fraudulent or illegal activity
• ▸Fail to pay fees owed after the 7-day grace period
• ▸Use the platform in a way that poses a security risk to us or other users

Effect of termination

On termination, your right to access the platform ceases immediately. We will retain your data for the periods specified in our Privacy Policy, after which it will be deleted. You may request an export before deletion.

Informal resolution

Before initiating any formal dispute process, you agree to contact us at legal@deltacodes.in and attempt to resolve the dispute informally for at least 30 days.

Governing law

These Terms are governed by the laws of India, without regard to conflict of law principles. Any dispute not resolved informally shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra.

Arbitration (Enterprise)

Enterprise customers with a signed Master Services Agreement may elect binding arbitration under the rules of the Indian Council of Arbitration in lieu of court proceedings.

We may update these Terms from time to time. We will notify you of material changes by email and via an in-app banner at least 14 days before the new Terms take effect.

Your continued use of Fintrack after the effective date constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cancel your account before they take effect.

We maintain a version history of these Terms — contact legal@deltacodes.in to request a prior version.