Terms & Conditions of TaxxSavvy

This Online Services Agreement (the "Agreement") is a legally binding contract between you (the "User", "Client", or "Subscriber") and TaxxSavvy (including its operating corporate entity, affiliates, and associates).

This Agreement regulates and governs your utilization of any of the following offerings provided across our digital portals, web platforms, and mobile interfaces:

• The TaxxSavvy Income Tax Return Filing Service — Self-filing and Chartered Accountant-assisted ITR preparation and e-filing.
• Tax Planning & Advisory Suite — Customized salary structuring, capital gains computation, deductions optimization, and wealth tax advisory.
• Tax Notice Resolution & Scrutiny Representation — Professional response preparation for IT Department intimations, scrutiny, and Section 148 notices.
• GST, TDS & Corporate Compliance — GST return filing, TDS reconciliations, ROC filings, and company incorporation services.
• Any other related TaxxSavvy tax software or consultation service you select, pay for, or employ.

Subject to the conditions and provisions delineated in this Agreement, along with the prompt payment of all applicable fees, TaxxSavvy grants you a limited, non-exclusive, non-transferable, revocable license to access and utilize the Products and Services.

This License allows entry and utilization of the Products and Services solely in accordance with the terms of this Agreement and exclusively for:

• Filing your own authentic tax returns, calculating taxes, and managing your statutory filings.
• Filing tax returns for bona fide members of your immediate family where explicit written authorization has been granted.

You are eligible to register, access, and execute filings through the TaxxSavvy platform only if you satisfy all of the following criteria:

• You are 18 years of age or older. If you are acting as a legal guardian on behalf of a minor, you affirm that you have the lawful capacity to represent them.
• You possess the legal competence under the Indian Contract Act, 1872 to enter into a legally binding contract and are not barred from receiving services under applicable Indian laws.
• You agree to abide by all platform rules, statutory documentation requirements, and verify that all information provided is true, correct, and complete.
• You confirm that all statutory fees, taxes, and service payments originate from your legitimate bank account or payment instruments authorized for your use.

TaxxSavvy operates primarily for services governed by Indian statutory laws (including the Income Tax Act 1961, GST Act 2017, and Companies Act 2013).

Certain specialized services may not be available in all domestic or international geographical regions. Depending on your location and tax residency status (Resident, RNOR, NRI, OCI), specific provisions, documentation prerequisites, and compliance protocols may vary.

You are strictly prohibited from engaging in the following actions, directly or indirectly:

• Redistributing, sublicensing, selling, renting, leasing, loaning, or transferring the Products and Services to any unauthorized party.
• Reverse engineering, decompiling, disassembling, deciphering, or attempting to discover the source code, logic, or algorithms of the platform.
• Duplicating, scraping, framing, or harvesting platform content, tax calculators, or software architecture electronically or manually.
• Removing, obscuring, or altering any copyright notices, trademarks, or proprietary marks of TaxxSavvy.
• Uploading forged Form-16s, fake deduction proofs, fraudulent invoices, or misleading financial documentation.
• Interfering with or disrupting the integrity, performance, or security of our cloud infrastructure and connected servers.

All rights, titles, and interests in and to the TaxxSavvy website, software, tax optimization algorithms, UI/UX designs, logos, graphics, brand identifiers, and educational content are and shall remain the exclusive intellectual property of TaxxSavvy and its licensors.

Nothing in this Agreement grants you any right, title, or interest in our trademarks, trade names, or proprietary systems other than the limited right of personal use expressly granted herein.

Protecting your confidential tax and personal data is our utmost priority. Our collection, processing, and storage of PAN, Aadhaar, salary slips, Form 26AS, AIS/TIS data, and bank records are strictly governed by our Privacy Policy.

While TaxxSavvy makes every reasonable commercial effort to ensure uninterrupted service availability, electronic filing functionality is reliant on third-party government gateways, including the Income Tax Department e-Filing Portal (incometax.gov.in) and the GSTN portal.

TaxxSavvy shall not be held liable for filing delays, gateway timeouts, server congestion, scheduled maintenance, or unresponsiveness originating from Income Tax Department or GSTN servers, particularly during peak deadline dates.

For Assisted Filing and CA Advisory plans, TaxxSavvy assigns certified Chartered Accountants and experienced tax advisors to assist in computing your tax liability, optimizing deductions, and uploading returns.

• Assistance is rendered strictly based upon the source documents (Form-16, 26AS, AIS, capital gains statements) uploaded and representations made by you.
• It remains the taxpayer’s sole legal responsibility to review the final computation and draft return before granting authorization for submission to the IT Department.

TaxxSavvy may provide features allowing you to automatically fetch or prefill tax data from the Income Tax e-filing portal via authorized OTP or ERI (E-Return Intermediary) integrations.

You acknowledge that prefilled figures represent data reported by third-party reporting entities (employers, banks, mutual funds, stockbrokers). You are obligated to verify the accuracy of prefilled entries and report any omitted income before final verification.

TaxxSavvy diligently maintains its mathematical tax calculation engines in accordance with official tax slabs, rebate provisions (Sec 87A), surcharges, and statutory amendment acts passed by Parliament.

If an arithmetic error in TaxxSavvy’s computation engine directly causes an inaccurate tax calculation based on accurate data input, TaxxSavvy will rectify the computation without additional service charge.

In the rare circumstance where a statutory penalty or interest under Section 234A/B/C is imposed solely due to a proven calculation defect in TaxxSavvy’s software (and not due to inaccurate user inputs, missing disclosure, delayed document upload, or IT Department adjustments), you may be eligible for service compensation subject to:

• Prompt written notification to TaxxSavvy within 30 days of receiving the assessment intimation.
• Submission of copies of the original notice, intimation order under Sec 143(1), and payment receipts.

In all cases, TaxxSavvy’s maximum financial liability for compensation shall be strictly capped at the fee paid by you for the affected service.

Except as explicitly guaranteed in this Agreement, all Products, Services, software, calculators, and informational materials are provided on an "AS IS" and "AS AVAILABLE" basis without warranty of any kind.

TaxxSavvy expressly disclaims all implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free continuous operation. TaxxSavvy does not guarantee that the Income Tax Department or GST authorities will accept a tax position without scrutiny or notice.

By enrolling or using our platform, you consent to receive all notices, service invoices, filing acknowledgments (ITR-V), filing confirmations, and statutory disclosures electronically via email, SMS, or in-app dashboard.

Electronic notices shall have the same legal validity and enforceability as physical written notices delivered in person.

Pricing for our various ITR plans, GST packages, CA consultations, and corporate services are prominently displayed on our pricing pages and checkout screens.

• All fees are payable in Indian Rupees (INR) and are inclusive or exclusive of applicable Goods and Services Tax (GST) as specified at checkout.
• TaxxSavvy accepts payments via authorized RBI-licensed payment gateways including UPI, Net Banking, Debit/Credit Cards, and Wallets.
• If during the preparation of your return additional complexities arise (e.g. undisclosed foreign assets, high-volume algorithmic trading, multiple capital gains computations), an upgraded plan fee may apply after prior discussion.

Our refund provisions are detailed in our dedicated Refund Policy.

• Before Service Initiation: If a cancellation request is submitted before a CA or tax advisor has commenced working on your documents, a full or partial refund (less nominal payment gateway charges) will be granted.
• After Service Initiation: Once tax calculations have been drafted, consultations conducted, or returns uploaded to the e-filing portal, professional service fees become non-refundable.

You agree to maintain reasonable and prudent security precautions to protect any passwords, OTPs, and login credentials associated with your TaxxSavvy profile.

You must notify TaxxSavvy immediately at taxxsavvy.ind@gmail.com if you suspect any unauthorized access, credential leakage, or suspicious activity on your account.

TaxxSavvy publishes educational guides, market commentary, mutual fund explanations, and tax planning articles for general informational purposes only. Such content does not constitute customized financial investment advice.

Users participating in community blogs or comment sections undertake that submissions shall not be defamatory, abusive, offensive, or infringe any copyright. TaxxSavvy reserves the right to moderate or delete comments violating community standards.

This Agreement shall be interpreted and governed in accordance with the laws of the Republic of India.

The parties agree that any legal dispute, claim, or proceeding arising out of or relating to this Agreement, or the services rendered by TaxxSavvy, shall be subject to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India.

You agree to defend, indemnify, and hold harmless TaxxSavvy, its parent company, directors, officers, certified professionals, employees, and agents from and against all claims, liabilities, losses, damages, penalties, costs, and legal fees resulting from:

• Any breach by you of this Agreement or false representations made regarding your income, deductions, or documentation.
• Any violation of applicable tax laws, third-party rights, or fraudulent tax evasion attempts.

Without prejudice to any other remedies, TaxxSavvy may immediately suspend or terminate your account and service access if you fail to comply with any provision of this Agreement, fail to clear outstanding fees, or engage in abusive conduct towards support staff and CAs.

Upon termination, your license to use the platform terminates immediately, while provisions regarding confidentiality, IP rights, and limitation of liability shall survive.

By providing your phone number on TaxxSavvy, you grant explicit consent to receive service-related voice calls, OTP SMS, filing status updates, and WhatsApp messages from our tax advisory team, even if your number is registered on the National Do Not Call (NDNC) or National Customer Preference Register (NCPR).

You confirm that such communications are customer-requested service transactional notifications and do not constitute unsolicited commercial communications under TRAI Telecom Commercial Communications Customer Preference Regulations.