Terms of Service

These terms govern your use of FinClarus (finclarus.com). By creating an account or using the service, you agree to them.

1. What FinClarus is, and is not

FinClarus is a software tool for financial professionals. It helps advisers collect a client's details, calculate goals and required investments, and produce a report. FinClarus is not an investment adviser, financial adviser, or research analyst, and it does not provide investment, financial, tax or legal advice. All advice given to an end client is the sole responsibility of the adviser using the tool.

2. Eligibility

The service is intended for use by financial professionals in the course of their practice. You confirm you are authorised to use it for that purpose.

3. Your account

You are responsible for keeping your login secure and for all activity under your account. Tell us promptly of any unauthorised use.

4. The Free plan, subscriptions & auto-renewal

You can use FinClarus without paying and without giving any payment details: the Free plan includes 7 client reports in total and 10 saved clients, with no card required and no expiry date. It is limited by how much you use it, not by time.

Paid plans are charged immediately when you choose one - there is no trial period on a paid plan. Your payment method (card or UPI AutoPay) is charged for the chosen period (monthly or yearly) at the moment of purchase, and then automatically at the start of each period after that, until you cancel. You can cancel at any time from your account settings (the Subscription tab); you keep access until the end of the period you have already paid for, with no further charge. The price shown on the pricing page is the total you pay: it is inclusive of any taxes that apply, and nothing is added at checkout. If that ever changes we will say so on the pricing page before you are charged, and it will not affect a period you have already paid for. We may change pricing with reasonable notice; changes do not affect a period you have already paid for.

One exception: the Elite yearly plan is taken as a single payment covering 12 months rather than an auto-renewing mandate, because banking rules cap automatic debits at Rs 15,000. It does not renew on its own. Your Subscription tab shows the date it runs to, and says that it will not renew, every time you open it - so please check there before it ends.

5. Your clients' data

When you enter a client's information, you confirm you have the right and the necessary consent to do so. You are responsible for the accuracy of the data you enter and for how you use the resulting plans with your clients. See our Privacy Policy.

6. Acceptable use

You agree not to misuse the service, including: attempting to access other users' data, reverse-engineering or copying the software, reselling it without permission, or using it for anything unlawful.

7. Intellectual property

We own all rights in the FinClarus software, design and content. We grant you a limited, non-transferable right to use the service while your subscription is active. Reports you generate for your clients are yours to use in your practice.

8. Important disclaimer (estimates, not guarantees)

All figures, projections and plans are estimates and illustrations only, based on the inputs you provide and standard assumptions (for example, assumed rates of return and inflation). They are not guarantees of future results, and actual outcomes will differ. FinClarus does not recommend any specific investment, product or security. Any tax figures (including the old vs new regime comparison) are estimates based on the inputs you provide and standard rules for the year shown; they are not tax advice, and a chartered accountant should confirm them before filing. You, the adviser, are solely responsible for any advice or recommendation you give your client.

9. Limitation of liability

To the maximum extent permitted by law, FinClarus is not liable for any indirect or consequential losses, or for any investment outcome or decision made using the tool. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim.

10. Termination

You may stop using the service and cancel at any time. We may suspend or end access if these terms are breached.

11. Governing law

These terms are governed by the laws of India, and the courts of Pune, Maharashtra have jurisdiction.

12. Changes

We may update these terms and will post the revised version here.

Contact

FinClarus · support@finclarus.com · finclarus.com