TaxNavic

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Terms & Conditions

Last updated: 9 November 2026

1. About these terms

These terms are an agreement between you and [legal entity name], [registered address] ("we"), which runs TaxNavic. By creating an account or buying a plan you accept them, together with our Privacy Policy and Refund & Cancellation Policy. If you do not agree, please do not use TaxNavic.

2. Who can use TaxNavic

You must be at least 18 and able to enter a binding contract under Indian law. The calculators follow Indian tax rules for resident individuals; results may not suit non-residents, companies or other taxpayers.

3. Estimates, not advice

• Every result is an estimate based on the figures you enter, the assumptions shown, and tax rules as we understand them on the date shown in the app.
• TaxNavic is not a SEBI-registered investment adviser or research analyst, and nothing in it is tax, legal or investment advice or a recommendation to buy, sell or hold any fund.
• Fund names, NAVs and returns come from AMFI and may be delayed or contain errors. Past returns do not promise future returns.
• Check with a qualified Chartered Accountant or adviser before you file a return or invest.

4. Your account

• Give true details when you register, and keep your email account and Google account secure; anyone with access to them can log in to TaxNavic.
• One account is for one person. Do not share it or sell access to it.
• You may delete your account at any time from My account.

5. Acceptable use

You agree not to: copy, scrape or resell the app or its data; try to break its security or reach other people's data; overload it with automated requests; use it for anything unlawful; or upload anything harmful. We may suspend an account that breaks these rules.

6. Plans and payment

• Free includes all calculators and a limited number of saved plans. Standard and Premium add the features listed on the Plans page.
• Prices are in Indian rupees and shown on the Plans page before you pay, [including / plus] GST. The price you see at checkout is the price you pay for that billing period.
• Payments are processed by Razorpay Payments Private Limited, an RBI-authorised payment aggregator. Your card, UPI and bank details go directly to Razorpay; we never see or store them.
• Automatic renewal. Paid plans renew at the end of each monthly or yearly period until you stop the renewal. When you buy, you authorise a recurring payment (a card e-mandate or UPI AutoPay). This is set up only with your explicit consent and your bank's extra verification (OTP or UPI PIN); it is never pre-selected for you.
• As RBI rules require, you are told before each renewal charge, and you can stop renewal at any time from My account, or cancel the mandate in your UPI app or with your bank.
• If we change a price, we will tell you at least [30] days before it applies to your next renewal. You can cancel before then.
• If a renewal payment fails, your account moves to Free until payment succeeds. Plans you already saved stay stored and you can open or delete them, but you cannot save new ones above the Free limit.
• Joining the Standard or Premium list before payments open costs nothing and commits you to nothing.
• We will send a GST-compliant invoice for every payment to your account email.

7. Cancellation, refunds and disputes

You can stop renewal any time; your plan stays active until the end of the period you paid for. Payments are not refunded if you change your mind, so please try the Free plan or a monthly plan first. Wrong, duplicate or unauthorised charges, and paid features that do not work as described, are refunded. All refund rules and timelines are in our Refund & Cancellation Policy, which is shown before you pay.

Before you pay you see the plan, the price, how renewal works and these refund rules, and you tick a box to agree. We record that agreement (the policy version and the time), together with your payment references and the dates and times you used paid features such as PDF and Excel reports, My CAS and the year-by-year table.

Payment problems. Please write to [email protected] first; we resolve most issues within 2 working days, and every wrong, duplicate or unauthorised charge is refunded.

Disputes with your bank (chargebacks). If you dispute a payment that you authorised and for which the paid features were available to you:

• we will answer the dispute and share the records above with Razorpay and your bank, only for that purpose;
• paid features are paused while the dispute is open, and restored if it is withdrawn or decided in your favour;
• if the bank decides the payment was valid, the paid period stays as it was, and a dispute raised without reason may lead us to close the account and decline future purchases.

Nothing here limits your right to dispute a charge that you did not authorise or that was wrong.

8. Availability and changes to the service

We work to keep TaxNavic available but do not promise it will always be error-free or uninterrupted. We may change, add or remove features. If we remove a paid feature during your billing period, we will refund the unused part of that period.

9. Intellectual property

The TaxNavic name, logo, design and software belong to us. Your saved plans and the figures you enter belong to you; you give us permission to store and process them only to run the service for you.

10. Limitation of liability

To the extent the law allows, we are not liable for any loss arising from decisions you take based on estimates in TaxNavic, or for indirect or consequential loss. Our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim. Nothing here limits rights you have under the Consumer Protection Act, 2019, or liability that cannot be limited by law.

11. Ending the agreement

You may stop using TaxNavic and delete your account at any time. We may suspend or close an account that breaks these terms, after telling you why where we can. If we close a paid account without a breach on your part, we will refund the unused part of the period.

12. Grievances and governing law

Write to [email protected] or our Grievance Officer, [name], at [email protected]. We acknowledge complaints within 48 hours and aim to resolve them within [15] days. These terms are governed by the laws of India, and the courts at [city] have jurisdiction, without affecting your right to approach a consumer commission.

13. Changes to these terms

We will tell you in the app or by email before material changes apply. Continuing to use TaxNavic after that means you accept them.