Terms of Service

1. Who can use Finvosmart

Finvosmart is for businesses and professionals. You must be at least 18 years old and authorised to act for the business you register.

2. Your account

• Each business gets its own company account with a company code. Keep your company code, email and password safe; you are responsible for activity under your account.
• Your account admin decides who in your business gets access and what each person's role allows.
• Tell us immediately at contact@finvosmart.com if you suspect unauthorised access.

3. Free trial, plans and payment

New businesses get a 7-day free trial, with no credit card required. One free trial is given per business (its PAN) and per person (their email address and phone number).

When the trial ends without a paid plan, your account stays open read-only: you can sign in, view and export your records, and subscribe, but not add or change anything. Your data is not deleted. Choosing a paid plan restores full access straight away.

Paid plans are billed monthly or yearly in advance through our payment partner, Razorpay. Some features, such as customising document templates, are only in the paid plans.

Plans and prices are shown on our pricing page and may change. We will give you advance notice before a price change applies to you. Applicable taxes, such as GST, are charged as required by law.

4. Your data

You own the data you put into Finvosmart. You permit us to store and process it only to provide the service to you, as described in our Privacy Policy. While your account is active, you can export your records, such as invoices and GST return files.

5. Your responsibilities, including tax compliance

Finvosmart helps you prepare invoices, GST returns and other records, but you remain responsible for:

• the accuracy of the information you enter, including GST rates and HSN/SAC codes;
• reviewing documents and returns before you issue or file them; and
• meeting your own legal and tax obligations.

Finvosmart is a software tool. It is not tax, legal or accounting advice.

6. Acceptable use

You agree not to:

• use Finvosmart for anything unlawful or fraudulent, including fake invoices;
• try to access other companies' data, or our systems, without permission;
• disrupt the service, probe it for vulnerabilities, or overload it — for example with automated scraping or load testing — without our written permission;
• upload malware;
• send spam or unsolicited messages using the WhatsApp or email features; or
• copy, resell or reverse-engineer the software.

If you find a security issue, please report it to contact@finvosmart.com.

7. Third-party services

Some features connect to services we do not control, such as the Government's GST, e-invoice and e-way bill systems, WhatsApp and Google. Their own terms apply, and we are not responsible for their availability or errors — for example, when a government portal is down.

8. Availability and changes

We work to keep Finvosmart available and secure, but we cannot promise it will be uninterrupted or error-free. We may carry out maintenance and change or improve features. If we remove a feature you rely on, we will try to give you reasonable notice.

9. Ending your account

You can stop using Finvosmart at any time. We may suspend or close an account that breaches these terms, is not paid for, or puts the service or other people at risk; where reasonable, we will warn you first.

After an account closes, we will give you a reasonable opportunity to export your data, unless the law prevents it, and then delete it as described in our Privacy Policy.

10. Our software and brand

Finvosmart, its software and its brand belong to Navgrow Engineering Service Pvt. Ltd.. These terms give you the right to use the service; they do not transfer any ownership.

11. Disclaimer and limitation of liability

Finvosmart is provided "as is". To the extent the law allows, we are not liable for indirect or consequential losses, such as lost profits, and our total liability for any claim is limited to the amount you paid us for Finvosmart in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited under Indian law.

12. Indemnity

If someone makes a claim against us because of data you put into Finvosmart or your breach of these terms, you will cover the reasonable costs that result.

13. Governing law and disputes

These terms are governed by the laws of India. Before going to court, we will both try to resolve any dispute informally by contacting each other. If that fails, the courts at Kolkata, West Bengal, have exclusive jurisdiction.

14. Changes to these terms

We may update these terms. We will change the date at the top and, for significant changes, tell you in advance by email or in the app. If you keep using Finvosmart after the changes take effect, the updated terms apply.

Contact us

Navgrow Engineering Service Pvt. Ltd.

CIN: U29302WB2025PTC281015

Email: contact@finvosmart.com