1. Agreement
These Terms and Conditions ("Terms") are an agreement between you and FinClick360 Technologies Private Limited ("FinClick360", "we", "us", "our"), having its office at 703 Wealth Space Skyline, Station Road, Vidhyavihar West, Mumbai 400086, Maharashtra, India. They apply to your use of www.finclick360.com, the FinClick360 mobile and web applications, and related services (the "Platform").
By ticking the acceptance box at registration, or by using the Platform, you agree to these Terms and to our Privacy Policy, available at www.finclick360.com. If you do not agree, please do not register or use the Platform.
2. Eligibility and authority
You must be at least 18 years old. If you register on behalf of a business, you confirm that you are authorised to accept these Terms for that business, and "you" includes that business.
3. Your account
Please give accurate information at registration and keep it up to date.
Keep your login details confidential. You are responsible for activity under your account, including activity by team members you add.
If you suspect unauthorised access, tell us at once at connect@finclick360.com. We will help you secure the account. You will not be responsible for activity that happens after you have informed us, unless you caused or allowed it.
4. The Platform
FinClick360 helps businesses view and analyse accounting data from software such as Tally, share ledgers with their debtors, send payment reminders through WhatsApp, email and AI calling, store business documents, and use related features. Features vary by plan.
We may improve or change features over time. If we remove a feature that is a main part of your paid plan, we will tell you in advance. If you are not satisfied with the change, you may close your account and we will refund the unused part of your plan.
FinClick360 is not a bank, lender, non-banking financial company or payment service. We do not lend money, collect payments on your behalf or make credit decisions. Information on the Platform is not financial, tax, legal or accounting advice.
5. Your data
You own your data. You give us a limited right to use it only to provide and improve the Platform, as described in the Privacy Policy, including for internal analytics, and for the credit-related services in section 10 only with your consent or request.
We do not sell your data to anyone.
You confirm that you have the right to share with us the details of your debtors, creditors and other contacts, and to contact them through the Platform.
Reports and figures on the Platform are based on the data in your accounting software. Please make sure that data is correct.
6. Your responsibilities
You decide the content, timing and frequency of reminders and calls sent on your instructions, and you are responsible for them.
Please follow applicable laws, including data protection laws, telecom (TRAI) rules and fair practices in payment follow-ups. Do not use the Platform to harass, threaten or mislead anyone.
You must not:
- use the Platform for any unlawful or fraudulent purpose;
- upload data you have no right to share;
- try to access other accounts or our systems without permission;
- copy, reverse-engineer or resell the Platform, or use it to build a competing product; or
- interfere with the security or performance of the Platform.
7. Plans, fees and renewal
Plans are offered on a half-yearly or yearly basis. Prices are shown on the Platform or agreed with you in writing, and are exclusive of GST and other applicable taxes.
Fees are paid in advance for the plan period.
Plans do not renew automatically. Before your plan ends, we will remind you so that you can renew if you wish. If you do not renew, your plan ends on its expiry date and you will not be charged.
We may change prices for future plan periods. Any change will apply only when you next renew, never in the middle of a plan you have already paid for.
If a payment is due under a written agreement and remains unpaid, we will remind you before limiting access.
8. Refunds
5-day refund: if you cancel within 5 days of paying for a half-yearly or yearly plan, we will refund the full plan fee.
After 5 days, plan fees are not refundable, except in the cases below.
If we end the service: if we close your account without your fault, or discontinue the Platform, we will refund the unused part of your plan.
AI credits are not refundable (see section 9).
Approved refunds are made to the original payment method within 7 to 10 working days. To request a refund, write to connect@finclick360.com.
9. AI credits and AI Features
Some features use third-party AI providers (currently OpenAI and Anthropic). These features work only when you buy AI credits.
By buying AI credits, you authorise FinClick360 Technologies Private Limited to share your financial data with these AI providers for AI analysis and to return the output to you. We do not share the contact information (mobile numbers, email addresses, postal addresses) of you, your debtors or your creditors with AI providers. More details are in the Privacy Policy.
Credits are used as you use AI Features, at the rates shown on the Platform at the time of use.
AI credits are not refundable and cannot be transferred to another account.
Unused AI credits remain valid while your plan is active and carry over when you renew. If your plan ends and is not renewed, unused credits lapse.
You may withdraw your AI consent at any time from your account settings or by writing to us. We will then stop sending your data to AI providers. Unused credits are not refunded, but they stay on your account and become usable again if you give consent again while your plan is active.
AI outputs are produced automatically and may be incomplete or wrong. Please check them before relying on them.
10. Credit checks, loans and bank reports
FinClick360 is not a lender. Any loan, credit facility or invoice discounting is offered, approved and priced solely by the bank or non-banking financial company ("NBFC") concerned, under its own terms. FinClick360 does not guarantee that any credit will be offered or approved.
10.1 Credit score check
Where you choose to explore credit through the Platform, FinClick360 may, through a third-party aggregator or a partner fintech NBFC, obtain your credit score and credit information report (for example, your CIBIL score) from a credit information company. This will be done only after you give your consent by verifying a one-time password (OTP) sent to your registered mobile number. No credit check will be carried out without such OTP-based consent.
10.2 Sharing data for a loan
When you request a loan or credit facility, your relevant data will be shared with the bank or NBFC concerned only with your prior consent. Before sharing, we will inform you of the data to be shared, the recipient and the purpose.
10.3 Financial reports to your bank
FinClick360 will prepare and send a report of your finances to a bank only if you have specifically requested this by email to connect@finclick360.com, stating the name of the bank and the contact details of the bank official to whom the report should be sent. This service is provided on a customised basis, based on your request and your own arrangement with your bank, to help your bank assess your credit requirements in an adequate and timely manner. FinClick360 will not initiate any such report on its own, without your specific email request. You may withdraw this request at any time by email, after which no further reports will be sent.
10.4 Use by the recipient
Once data is shared with a bank, NBFC or credit information company at your request or with your consent, its use is governed by that entity's own terms and privacy policy and applicable law. FinClick360 is not responsible for decisions or actions taken by them.
11. Service availability and support
We work to keep the Platform available and secure. Planned maintenance will be notified in advance where possible.
Some things are outside our control, such as internet outages, Tally being offline, or delays by WhatsApp, email or telephone providers. We cannot guarantee that every reminder will be delivered or read, or that any debtor will pay.
Support is available at connect@finclick360.com and +91 88795 41317 on working days.
12. Document storage and backups
Documents you upload to the Platform, including those in the Document Vault, are stored on reputed cloud storage services (such as Amazon Web Services S3). FinClick360 Technologies Private Limited uses industry-standard, best-in-class cloud infrastructure and reasonable security practices to protect your documents.
However, data stored with cloud service providers may, in rare circumstances, be lost, corrupted or deleted at the service provider's end for reasons beyond FinClick360's reasonable control. FinClick360 therefore does not provide any guarantee or warranty that stored documents will be backed up or can be recovered.
We respectfully recommend that you keep regular and adequate backups of all important documents and data at your end. The Platform is intended as a convenient copy for access and sharing, and not as your only record.
To the extent permitted by law, FinClick360 shall not be liable for any loss of documents or data arising from such events at the cloud service provider's end, except where the loss is caused by FinClick360's own negligence or wilful default.
13. Intellectual property
The Platform, including its software, design and the FinClick360 name and logo, belongs to FinClick360. While your plan is active, we give you a limited, non-exclusive, non-transferable right to use the Platform for your own business. Your data and your content remain yours. If you send us suggestions, we may use them to improve the Platform.
14. Third-party services
The Platform works with third-party services such as Tally, WhatsApp, email and telephone providers, cloud hosting and AI providers. Their own terms may also apply. We choose these providers carefully, but we are not responsible for their independent acts or outages.
15. Limitation of liability (applies equally to both of us)
To the extent permitted by law:
- Neither FinClick360 nor you will be liable to the other for indirect or consequential loss, or for loss of profit, revenue or goodwill.
- Each party's total liability to the other for any claim relating to the Platform or these Terms is limited to the fees you paid to FinClick360 in the 12 months before the event that led to the claim.
These limits do not apply to:
- fraud or wilful misconduct;
- our misuse of your data or breach of our data protection obligations;
- your misuse of the Platform, or of data about your debtors and other contacts; or
- your obligation to pay fees due.
16. Indemnity (both sides)
You will compensate FinClick360 for claims, losses and reasonable costs that arise from your breach of these Terms, your misuse of the Platform, or communications sent to your debtors or other contacts on your instructions.
FinClick360 will compensate you for claims, losses and reasonable costs that arise from a third party's claim that the Platform infringes their intellectual property rights, or from our breach of our data protection obligations.
17. Suspension and termination
By you: you may stop using the Platform or close your account at any time from your account settings or by writing to us. Section 8 applies to refunds.
By us: we may suspend or close your account if you seriously breach these Terms or if the law requires it. Except in urgent cases (such as fraud, a security risk or a legal order), we will first tell you the reason and give you a reasonable chance to fix the issue.
We may also close your account for any other reason with 30 days' notice, and we will refund the unused part of your plan.
18. What happens to your data when you leave
When your plan ends without renewal, or your account is closed, your data may be deleted at any time from 7 days up to 90 days after that date.
Please download or back up any data you need before your plan ends or before you close your account. Your original records remain in your own accounting software.
Data we must keep by law (for example, tax or billing records) will be kept only as long as the law requires, as described in the Privacy Policy.
19. Disputes, governing law and jurisdiction
If you have a complaint, please first write to connect@finclick360.com. We will try in good faith to resolve it within 30 days.
These Terms are governed by the laws of India.
Any dispute, claim or difference of any kind arising out of or in connection with these Terms, the Platform, the Privacy Policy or the processing of data, whether data-related or not, shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra, and no other court shall have jurisdiction.
This does not affect any right you may have under the Digital Personal Data Protection Act, 2023 to approach the Data Protection Board of India.
20. Changes to these Terms
We may update these Terms from time to time. We will tell you about any important change by email or in-app notice at least 15 days before it takes effect. If you do not agree with the change, you may close your account before it takes effect, and we will refund the unused part of your plan. Continuing to use the Platform after that date means you accept the updated Terms.
21. General
If any part of these Terms is found invalid, the rest continues to apply.
If either of us does not enforce a right immediately, that right is not lost.
Neither of us is responsible for delays caused by events beyond reasonable control, such as natural disasters, network failures or government action.
These Terms and the Privacy Policy together are the full agreement about the Platform, unless we have signed a separate written agreement with you.