Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of CAFirmHQ ("the Platform"), a GST reconciliation and compliance service operated by Panalinks Infotech ("we", "us", "our"). By registering for or using the Platform, you agree to be bound by these Terms.

If you are using the Platform on behalf of a Chartered Accountancy firm, company, or other organisation, you represent that you have the authority to bind that organisation to these Terms.

1. The Platform

CAFirmHQ is an AI-enabled GST reconciliation platform that helps CA Firms, their clients, and Solo Accountants automate the monthly GSTR-2B reconciliation process. The Platform provides:

• Automated matching of Tally Inwards Register data against GSTR-2B portal data
• AI-assisted analysis and mismatch explanations (where available)
• Pending ITC tracking across months
• Multi-user collaboration tools for CA Firms and their company clients
• Reconciliation history, remarks, and Excel export

The Platform is a decision-support tool. It does not file GST returns on your behalf. All reconciliation outputs must be reviewed by a qualified professional before use in filing. We are not responsible for errors in your source data (Tally exports or GSTR-2B downloads) or for reconciliation outcomes that arise from incorrect input data.

2. Eligibility and Registration

• You must be at least 18 years of age to use the Platform
• You must provide accurate and complete information when registering
• You are responsible for maintaining the security of your account credentials
• You must notify us immediately at support@gstsettle.com if you suspect unauthorised access to your account
• One person or entity may not maintain more than one active account without our prior written consent

3. User Roles and Access

The Platform operates a role-based access model:

• CA Admin: the primary account holder for a CA Firm. Responsible for inviting team members and company accountants, managing company access, and administering the subscription.
• Team Member (CA User): internal staff of a CA Firm, invited by the CA Admin. Can perform reconciliations on assigned companies but cannot invite others or manage billing.
• Company Accountant: a client company's accountant, invited by the CA Admin. Can perform first-pass reconciliation on assigned companies where access has been explicitly enabled.
• Solo Accountant: an independent accountant managing their own companies without a CA Firm structure. Subject to the Accountant plan limits.

You are responsible for all actions taken by users you invite to the Platform under your account. Ensure that invited users are authorised personnel and that they understand these Terms.

4. Trial Period

New accounts receive a free 90-day trial with access to the Platform's core features for up to 3 companies. No payment information is required during the trial.

At the end of the trial period, your account will enter a restricted state. You will be able to log in and view existing reconciliation data but will not be able to run new reconciliations, upload new data, or add new companies until you subscribe to a paid plan.

We reserve the right to modify the trial period duration or features with 14 days' notice.

5. Subscription and Payment

5.1 Plans

CAFirmHQ offers the following paid plans:

• Solo Accountant — ₹299/month, up to 3 companies
• CA Starter — ₹2,499/month, up to 10 companies
• CA Growth — ₹5,999/month, up to 20 companies
• CA Professional — ₹8,999/month, up to 40 companies
• CA Enterprise — ₹19,999/month, unlimited companies

5.2 Billing

• Subscriptions are billed monthly on a recurring basis via Razorpay
• By subscribing, you authorise Razorpay to charge your chosen payment method on each billing date
• All prices are in Indian Rupees (INR) and are exclusive of applicable taxes (GST on services)
• We will issue a GST-compliant invoice for each payment

5.3 Failed payments

• If a payment fails, Razorpay will attempt to retry the charge as per its standard retry schedule
• If payment remains unsuccessful after retries, your account will enter a restricted state. You will be notified by email.
• Access will be restored immediately upon successful payment

5.4 Cancellation

• You may cancel your subscription at any time from within the Platform (Settings → Billing)
• Cancellation takes effect at the end of the current billing period. You retain full access until that date.
• No refunds are provided for the unused portion of a billing period
• On cancellation, your account data is retained for 90 days to allow you to export your data

5.5 Upgrades and downgrades

• You may upgrade your plan at any time. The new plan takes effect immediately and you will be charged the new rate on the next billing date.
• Downgrading to a plan with fewer companies than you currently have is not permitted until you reduce your active company count to within the new plan's limit.

6. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of applicable Indian law
• Upload data that you do not have the right to process (e.g. client data without client authorisation)
• Attempt to reverse-engineer, decompile, or extract the source code of the Platform
• Use automated scripts or bots to access the Platform other than through our published API
• Share your account credentials with unauthorised persons
• Attempt to circumvent the Platform's security, access controls, or plan limits
• Upload malicious files, scripts, or content intended to harm the Platform or other users

7. Data Ownership and Confidentiality

Your data — including company details, GST data, reconciliation results, and remarks — remains your property at all times. We do not claim any ownership over the data you upload to or generate on the Platform.

You are responsible for ensuring that the GST data you upload is accurate and that you have the right to process it (including any client data uploaded on behalf of a CA Firm's clients).

CA Firms are reminded of their professional obligations under the Institute of Chartered Accountants of India (ICAI) guidelines regarding client confidentiality. Inviting company accountants to the Platform and sharing client data with them is subject to your own professional judgment and client agreements.

8. AI Features

CAFirmHQ incorporates AI-assisted features including mismatch explanations, reconciliation suggestions, and analysis. These features are provided as a convenience to assist qualified professionals — they are not a substitute for professional judgment.

• AI outputs may be incorrect, incomplete, or inapplicable to your specific situation
• You must review and verify all AI-generated suggestions before acting on them
• We do not warrant the accuracy of AI outputs and accept no liability for decisions made in reliance on them
• Raw GST data (GSTINs, invoice numbers, amounts) is not sent to external AI services. Where AI is used, inputs are anonymised or summarised.

9. Intellectual Property

The Platform, including its software, design, algorithms, and reconciliation engine, is the intellectual property of Panalinks Infotech. Nothing in these Terms grants you any right, title, or interest in the Platform beyond the limited right to use it as described herein.

The CAFirmHQ name, logo, and branding are trademarks of Panalinks Infotech. You may not use these without our prior written consent.

10. Availability and Uptime

We aim to maintain high availability of the Platform but do not guarantee uninterrupted access. Scheduled maintenance, infrastructure issues, or events beyond our control may cause temporary unavailability.

We will endeavour to notify users of planned maintenance in advance. We are not liable for losses arising from temporary unavailability of the Platform.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Platform is provided "as is" without warranties of any kind, express or implied
• We do not warrant that the Platform will be error-free, uninterrupted, or free from security vulnerabilities
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform
• We are not liable for errors in GST reconciliation outcomes that result from incorrect, incomplete, or corrupted source data
• Our total aggregate liability to you for any claim arising from these Terms or your use of the Platform is limited to the amounts paid by you to us in the 3 months preceding the claim

Nothing in these Terms limits our liability for fraud, death, or personal injury caused by our negligence.

12. Indemnification

You agree to indemnify and hold harmless Panalinks Infotech, its directors, employees, and agents from and against any claims, losses, damages, or expenses (including legal fees) arising from: (a) your use of the Platform in violation of these Terms; (b) your violation of any applicable law; (c) data you upload to the Platform that infringes the rights of any third party.

13. Governing Law and Disputes

These Terms are governed by the laws of India. Any dispute arising from or relating to these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

We encourage you to contact us at support@gstsettle.com before initiating any legal proceedings. We will make reasonable efforts to resolve disputes amicably.

14. Modifications to Terms

We may modify these Terms at any time. We will notify registered users of material changes by email at least 14 days before the changes take effect. Continued use of the Platform after the effective date of the updated Terms constitutes your acceptance.

If you do not agree to the updated Terms, you must stop using the Platform and request account deletion before the effective date.

15. Termination

We may suspend or terminate your access to the Platform if:

• You violate these Terms
• You fail to pay subscription fees after notice and a cure period
• We are required to do so by law
• We reasonably believe your use poses a security risk to the Platform or other users

On termination, your right to access the Platform ceases immediately. We will retain your data for 90 days to allow export, after which it will be deleted. Billing records will be retained as required by law.

16. Contact

For questions about these Terms, to report a violation, or to make any request:

• Email: support@gstsettle.com
• Website: www.cafirmhq.com
• Panalinks Infotech, New Delhi, India