Legal Documents

1Information We Collect

Information you provide directly

• Full name, email address and phone number submitted via our contact form
• Business name, nature of services sought, and any message content you provide
• Billing and payment details when engaging paid services (processed through authorised payment channels)
• Documents, financial data, or other business information shared with us during a professional engagement
• Details you enter in Finalytical Billing or Finalytical Finance (see Terms of Use, section 5A)

Technical information

• Like any website, each page request reaches our hosting provider (Cloudflare) and, where a page loads them, the providers of our fonts (Google Fonts) and export libraries (cdnjs). These providers receive standard technical information such as your IP address, browser and device type and the address requested.
• We do not run analytics or advertising trackers on the public pages of this website.

2How We Use Your Data

• To respond to your enquiries and provide requested professional services
• To communicate important updates, service changes or compliance deadlines relevant to your engagement
• To improve our website, tools and services
• To comply with applicable legal and regulatory obligations in India and/or the UAE
• To process payments and maintain accurate records of engagements
• To send marketing communications — only if you have explicitly opted in

3Sharing of Information

We do not sell, rent or trade your personal information. We may share data only in these limited circumstances:

• Service providers: third parties who help operate our website or deliver services (for example website hosting, email, and Google services such as Apps Script, Sheets and Drive)
• Regulatory authorities: when required by Indian or UAE law, court order or government authority
• Professional obligations: where disclosure is necessary to deliver agreed services (e.g. MCA filings, GST registrations)
• Business transfers: in the event of a merger, acquisition or sale of assets, with prior notice to affected clients

4Cookies & Browser Storage

The public pages of this website do not set advertising or analytics cookies. Some features use your browser's local storage, which stays on your device:

• The Depreciation calculator keeps the assets you enter, so they are still there when you come back
• Finalytical Billing and Finalytical Finance keep your sign-in and the last company or account you opened on that device

You can remove this data at any time by clearing this site's data in your browser settings; you will then need to sign in again and re-enter calculator data. If we add analytics in future, we will update this policy first.

5Data Security

This website is served over encrypted HTTPS connections. Messages from the contact form are received through a Google Apps Script service, and Billing and Finance data is kept in Google Sheets and Google Drive under our Google account. We take reasonable care to protect information, but no method of transmission or storage over the internet is 100% secure, and we cannot guarantee absolute security.

6Data Retention

We retain personal data only as long as necessary for the purposes in this policy or as required by law. Client engagement records are typically retained for at least 8 years in line with Indian accounting and tax record-keeping requirements. Contact form submissions are retained for up to 2 years unless an engagement results.

7Your Rights

Subject to applicable law, including the Digital Personal Data Protection Act, 2023, you may:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data where we have no legal basis to retain it
• Withdraw consent for marketing communications at any time
• Raise a grievance with us, and thereafter with the relevant data protection authority

To exercise these rights, email info@finalyticalsolutions.com.

8Third-Party Services & Links

This website uses Cloudflare (hosting), Google Fonts (lettering), cdnjs (libraries that create PDF and Excel files, loaded only when you use those buttons) and Google Apps Script, Sheets and Drive (contact form, Billing and Finance). It also links to services such as WhatsApp, LinkedIn and X. We are not responsible for their privacy practices and encourage you to review their policies.

9Children's Privacy

Our website and services are intended for adults and businesses. We do not knowingly collect personal information from anyone under 18. If we become aware of such collection, we will promptly delete the data.

10Policy Updates

We may update this Privacy Policy from time to time. The updated version will be published on this page with a revised date. Continued use of our website or services after changes constitutes acceptance of the revised policy.

11Contact Us

For any privacy-related questions, requests or concerns:

1Acceptance of Terms

By accessing finalyticalsolutions.com (the "Website"), you represent that you are at least 18 years of age, have read and understood these Terms, and agree to be legally bound by them.

2Use of Website & Tools

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its free tools, subject to these Terms. You may not:

• Reproduce, distribute or create derivative works from our content without written permission
• Use automated tools, scrapers or bots to extract data from the Website
• Attempt to gain unauthorised access to any part of the Website or related systems
• Use the Website in any manner that could disable, damage or impair it
• Use the Website for unlawful purposes or in violation of any applicable regulations

3Intellectual Property

All content on this Website — including text, graphics, logos, tool designs, code and calculators — is the property of Finalytical Solutions and is protected under applicable Indian intellectual property laws. You may share links to our tools and content, but may not reproduce, republish or commercially exploit any material without prior written consent.

4User Conduct

• Do not provide false, misleading or fraudulent information when contacting us
• Do not interfere with the security or proper working of the Website
• Do not transmit malicious code, viruses or harmful data
• Do not harass, threaten or impersonate any person or entity
• Do not violate any applicable local, national or international law

5Free Financial Tools

Our free tools — the EMI Calculator, Reverse EMI Calculator, GST Calculator, SIP Calculator and Depreciation Calculator — are provided for general informational and educational purposes only.

• Calculations run in your browser and the numbers you enter are not sent to us; the Depreciation calculator keeps your entries in your browser's local storage on that device until you clear them
• Each calculator states the method and assumptions it uses on its page
• Accuracy depends entirely on the correctness of the inputs you provide
• Results should not be the sole basis for any financial commitment, filing or legal obligation
• We may modify, update or withdraw any tool without prior notice

5AFree GST Billing

Anyone may create a company on the billing service at /create. By creating a company you agree that:

• The details you enter (business name, address, GSTIN, bank details) are correct and belong to your business, and you are responsible for every invoice and entry made under your company
• Your invoices, parties, items and logins are stored in a Google Sheet and Google Drive folder kept by Finalytical Solutions for your company; we do not sell or share this data, and use it only to run the service
• You keep your company code, Login IDs and passwords safe, and you are responsible for the staff logins you create
• The service is provided free and "as is". Keep your own copies of important invoices; we may limit, suspend or close a company that misuses the service or stays unused for a long time
• Invoices follow the GST format you choose; checking tax rates, HSN codes and filings remains your responsibility

To close your company or get a copy of your data, write to us using the contact details below.

6Professional Services

Engagement of our professional services (accounting, compliance, advisory, etc.) is governed by separate engagement letters or service agreements. These Terms supplement but do not replace them; in case of conflict, the executed agreement prevails.

7Limitation of Liability

To the maximum extent permitted by law, Finalytical Solutions, its partners, employees and associates shall not be liable for:

• Any indirect, incidental, special or consequential damages arising from use of the Website
• Any errors or inaccuracies in free tool outputs
• Any loss of data, profits or business opportunities resulting from reliance on Website content
• Interruptions, delays or unavailability of the Website

Our total aggregate liability, where applicable, shall not exceed the amount you paid us (if any) in the three months preceding the claim.

8Indemnification

You agree to indemnify and hold harmless Finalytical Solutions and its partners, employees and agents from any claims, liabilities, damages, costs or expenses (including legal fees) arising out of your use of the Website, your violation of these Terms, or your infringement of any third-party rights.

9Termination

We may suspend or terminate your access to the Website at our discretion, without notice, if you violate these Terms or engage in conduct detrimental to the Website, other users, or Finalytical Solutions.

10Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising under or in connection with them are subject to the exclusive jurisdiction of the courts at Ahmedabad, Gujarat, India.

11Changes to Terms

We may modify these Terms at any time. Changes take effect when posted on this page. Continued use of the Website after changes constitutes acceptance of the revised Terms.

12Contact

For questions about these Terms of Use:

1General Disclaimer

The information on this website is for general informational and educational purposes only. Finalytical Solutions makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of any information, tools or services on this website.

2Financial Tools Disclaimer

The free tools on this website — the EMI, Reverse EMI, GST, SIP and Depreciation calculators — are general-purpose estimation tools only.

• Results are based solely on your inputs and standard formulas; they do not account for individual circumstances, policy changes, or exceptions under applicable law
• EMI results are approximations; actual EMIs depend on the lender's policies, compounding method, rounding and fees
• SIP returns are projections at an assumed constant rate; actual mutual fund returns vary and are subject to market risk
• GST calculations apply the rate you select; choosing a rate does not mean it applies to your supply, and exemptions, compensation cess and special schemes are not reflected
• Depreciation figures follow Schedule II to the Companies Act, 2013 and the block-of-assets method of the Income-tax Act, 1961 (section 32) and the Income-tax Act, 2025 (section 33), including the 180-day rule, opening WDV, sale of assets and short-term capital gain or loss on depreciable assets. They do not model additional depreciation, partial personal use, power-sector SLM, unabsorbed depreciation, revaluation, impairment or component accounting

3Not a Substitute for Professional Advice

Using our tools or reading our content does not create a client–adviser relationship with Finalytical Solutions. Before making financial, legal or business decisions, consult a qualified professional who can consider your specific circumstances and the laws applicable to you.

4Accuracy of Content

Laws, regulations and market conditions change frequently. While we try to keep information current, we do not guarantee that it is complete, up to date or error-free, and disclaim liability for decisions based on outdated or inaccurate content.

5Investment Disclaimer

• Any content or tool output related to mutual funds, SIPs or other instruments is for illustration only
• Past performance and projected returns do not guarantee future results; all investments are subject to market risks
• Finalytical Solutions is not a SEBI-registered investment adviser and does not recommend specific securities or products

6Tax & Legal Disclaimer

References to tax rates, slabs, deductions or compliance timelines are for general awareness only and should be verified with a qualified chartered accountant, tax consultant or legal professional before use in any computation, filing or compliance. Finalytical Solutions is not liable for any tax, penalty or legal consequence arising from reliance on information or tool outputs on this website.

7External Links

Links to third-party websites are provided for convenience only. We do not control or endorse their content and accept no responsibility for it.

8Website Availability

We do not warrant that this website will be available at all times or error-free, and may modify, suspend or discontinue any part of it without notice.

9Jurisdictional Note

Content on this website is intended primarily for users in India and the UAE. If you access it from elsewhere, it may not reflect the requirements applicable to you.

10Questions & Contact

If you have questions about this Disclaimer or would like professional advice from our team: