Tax Filing Services - Terms and Conditions

Last Updated: 2 July 2026

Introduction

Please read these terms and conditions as contained herein-below carefully and thoroughly, prior to proceeding further with the Tax Filing Services. By clicking "Proceed", "Continue", "I Agree", "Start Filing", "Authorise", "Submit", "e-Verify" or any similar button, or by accessing or using the Services, You agree and accept to be bound by these Services terms and conditions ("T&Cs").

These T&Cs are in addition to the Terms and Conditions and Privacy Policy of the INDmoney Platform that apply when You access and register on the INDmoney Platform for availing the INDmoney Platform services. The Terms and Conditions, Privacy Policy and these T&Cs shall be read harmoniously. In case of any conflict, these T&Cs shall prevail solely in relation to the Services and only to the extent of such conflict.

All capitalised terms used herein but not defined shall have the meaning ascribed to them under the INDmoney Platform Terms and Conditions and/or the Privacy Policy. All information collected, accessed, generated, stored, used or disclosed for providing the Services will also be covered under the Privacy Policy, as supplemented by these T&Cs and the consent screens displayed to You in the relevant Service journey.

These T&Cs are an electronic record in the form of an electronic contract under the Information Technology Act, 2000 and the rules made thereunder, and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. These T&Cs do not require any physical, electronic or digital signature.

Finzoomers Services Private Limited ("Finzoomers", "Company", "INDmoney", "we", "us" or "our") is a company incorporated under the Companies Act, 2013 having CIN U64990HR2020PTC086201 and registered office at 624-625, 6th Floor, Suncity Success Tower, Golf Course Extension Road, Sector 65, Gurugram, Haryana - 122005. Finzoomers operates the tax filing services on the INDmoney Platform as a Type 2 e-Return Intermediary (ERI No. ERIP003950).

The wordmark, brand name and trademark "INDmoney" are owned by INDmoney Tech Private Limited and are licensed to Finzoomers for use in relation to the Services. Therefore, references to "INDmoney", "INDmoney Platform" or "our Platform" in relation to the Services should be understood as references to the brand/interface through which Finzoomers provides the Services, and not as creating any independent tax filing obligation on INDmoney Tech Private Limited or any other group company unless expressly stated otherwise.

Definitions
1.1. "Applicable Law" means all laws, statutes, rules, regulations, notifications, orders, circulars, guidelines, directions, schemes, judgments or other requirements applicable to the Services, including income-tax, information technology, data protection, consumer protection, cyber security and electronic records laws.
1.2. "Authorised Data Source" means any source from which You authorise Finzoomers to collect, access, import, fetch, parse, read, receive or generate Tax Data for the Services, including Your uploads, the INDmoney Platform, group-platform data made available with Your consent, APIs or consent frameworks, the Income Tax Department portal/utilities, ERI/API integrations, banks, brokers, depositories, registrars, mutual fund platforms, employers, payroll providers, payment providers, insurers, pension providers, email statements and any other source enabled in the Service journey.
1.3. "ERI" means an e-Return Intermediary authorised or enabled under the applicable Income Tax Department or related regulatory arrangements for electronic return preparation, validation, submission, e-verification or related actions.
1.4. "INDmoney Platform" means the INDmoney mobile application, website, web pages, dashboards, backend systems, APIs, tools, communications and other interfaces through which the Services are made available.
1.5. "Service Page" means any in-app screen, web page, checkout page, plan description, consent screen, email or other communication that describes the specific Service, plan, tax year, scope, feature, price, limitation or authorisation selected by You.
1.6. "Services" means the tax aggregation, tax filing assistance, guided return preparation, tax data import/pre-fill, tax computation, capital gains or income schedule preparation, document upload/parsing, validation, electronic filing, e-verification facilitation, ITR-V/acknowledgement retrieval, refund/status tracking and related support services made available by Finzoomers on or through the INDmoney Platform.
1.7. "Tax Data" means all information, documents, files, statements, identifiers, records, outputs, logs and derived information used or generated for the Services, including PAN, Aadhaar number or Virtual ID if voluntarily provided or required for a specific action, date of birth, contact details, address, bank account details, salary, Form 16, Form 26AS, AIS, TIS, TDS/TCS details, challans, capital gains, investments, securities, mutual funds, loans, house property, rent, deductions, exemptions, foreign assets/income, business or professional income, virtual digital asset data, tax computations, draft ITRs, filed ITRs, acknowledgements, consent artefacts, audit logs and support communications.
1.8. "User", "You" or "Your" means any person who accesses, registers for, pays for, authorises or uses the Services, whether for themselves or on behalf of another person for whom they have lawful authority.
Role of Finzoomers and nature of the Services
2.1. Finzoomers provides a technology-enabled, consumer-facing tax filing service as a Type 2 ERI. The Services may include collecting or importing Your Tax Data, pulling eligible pre-fill data, generating draft returns and schedules, performing system-assisted checks, enabling edits, assisting with validation and facilitating electronic filing or e-verification flows.
2.2. The Services are designed to help You prepare, review and complete Your own tax return. You are the taxpayer/assessee and You remain responsible for the truth, completeness, accuracy, timeliness, review, approval, submission and e-verification of Your tax return and any related forms, schedules, disclosures, statements, responses or payments.
2.3. No income tax return, revised return, updated return, response, form, submission, e-verification, Aadhaar OTP action, EVC action, DSC action or other statutory action will be finally completed through the Services unless You provide the confirmation, input or authorisation required for that specific action in the Service journey.
2.4. Unless the relevant Service Page expressly states that You have selected an expert-assisted plan or that a specifically identified professional will provide advice, the Services do not constitute chartered accountant services, legal services, audit, assurance, certification, attestation, litigation, representation before any authority or tax planning services.
2.5. Where You select an assisted plan, Finzoomers may make available an internal or external chartered accountant, tax consultant, support representative, technology vendor, processor or other service provider to assist with the scope shown on the Service Page. Such assistance will be based on the information, documents, confirmations and Tax Data provided or authorised by You.
2.6. Finzoomers is responsible only for the Services it expressly provides. INDmoney Tech Private Limited and other group companies may provide brand, technology, hosting, support, data access or other enabling services, but they do not become providers of the Services merely because their systems, brands, APIs, data or infrastructure are used to make the Services available.
Eligibility and user account
3.1. You may use the Services only if You are competent to contract under Applicable Law and are using the Services for Yourself or for another person for whom You have lawful authority, such as a minor, dependant, family member, HUF, business, trust or entity.
3.2. Where You use the Services for another person, You represent that You have obtained all required authority and consent from that person and that You will make all disclosures to that person required under Applicable Law. We may require additional verification, documentation or confirmations before enabling such use.
3.3. You are responsible for maintaining the confidentiality of Your device, account, login, PIN, biometric settings and other access controls. You must promptly notify us of any unauthorised access or suspected misuse of Your account or Tax Data.
Service scope
4.1. The available scope will depend on the Service Page, product journey, tax year, ITR form, data sources enabled, Applicable Law, Income Tax Department portal availability, plan selected by You and the completeness of information provided or authorised by You.
4.2. The Services may include one or more of the following: user profile creation, PAN and identity checks, import of Tax Data from Authorised Data Sources, parsing of uploaded statements, income/deduction/exemption/tax/ interest/fee/refund computation, capital gains working, ITR form selection, schedule preparation, draft generation, validation checks, filing assistance, electronic submission, e-verification assistance, acknowledgement/ITR-V retrieval, refund/status tracking, assisted support and service communications.
4.3. The Services do not include: independent verification of Your Tax Data; payment or deposit of tax, interest, fee or penalty on Your behalf; issuance of any tax audit report, audit, certificate, attestation, valuation, assurance or professional opinion; representation, litigation or dispute resolution before any statutory, tax or regulatory authority; or any other service that is required to be performed exclusively by a professional unless expressly included in the relevant assisted plan and permitted under Applicable Law.
4.4. If You require professional advice for complex matters, including business income, foreign assets/income, employee stock options, tax residency, treaty claims, foreign tax credits, litigation, notices, audits, reassessments, search/survey matters, high-value transactions or aggressive tax positions, You should obtain independent professional advice unless the Service Page expressly includes such support.
Consent, authorisations and action-specific confirmations
5.1. By using the Services, You give Finzoomers Your specific, informed and revocable consent to collect, access, fetch, receive, parse, generate, process, store, use, display, share with permitted processors/service providers and transmit Your Tax Data for the purposes of providing the Services, improving accuracy of pre-fill and computation, service support, security, audit logs, legal compliance and dispute resolution.
5.2. You authorise Finzoomers to pull, import or use Tax Data from the Authorised Data Sources selected, enabled or connected by You, including other services, accounts or features available on the INDmoney Platform, solely to provide the Services and for purposes disclosed to You in the relevant journey.
5.3. Where a specific action requires a separate confirmation, such as access to the Income Tax Department portal, client/profile mapping, retrieving pre-fill/AIS/TIS/Form 26AS, validating a return, submitting a return, generating or using Aadhaar OTP, generating or using EVC, using DSC, e-verifying a return, or sharing Tax Data with an assisted-plan consultant, such action will be carried out only after the relevant confirmation or authorisation is captured in the Service journey.
5.4. Your consent/authorisation enabling Finzoomers to act as Your ERI is captured through the Income Tax Department's authorisation framework and remains valid for the period permitted by the Income Tax Department (currently one (1) year), after which it expires automatically unless renewed by You. You may revoke or deactivate this authorisation at any time directly on the Income Tax Department e-filing portal (Authorised Partners → My e-Return Intermediaries (ERI)). Finzoomers has not been provided any facility by the Income Tax Department to revoke this authorisation on Your behalf. You may separately request deletion of the Tax Data held by us by writing to taxsupport@indmoney.com, subject to statutory and regulatory retention requirements. Withdrawal or expiry of consent will not affect processing already carried out lawfully before such withdrawal or expiry. After withdrawal or expiry, we may stop providing the affected Services or may be unable to complete filing, support, correction, records or retrieval actions.
5.5. You agree that our records of consent, authorisation, action, timestamp, IP address, device information, screen version, button click, OTP/EVC/DSC status, Service Page, communication and audit log may be used to evidence Your authorisations and actions in relation to the Services.
5.6. Consent for tax filing assistance is separate from consent for unrelated marketing or cross-selling. We may show service-related nudges, filing reminders and relevant platform features where permitted, but we will not sell Your Tax Data or use it for unrelated marketing without an appropriate consent or other lawful basis.
Tax Data collection and permitted use
6.1. We will collect or generate only such Tax Data as is reasonably required for the Services, the tax year selected by You, Service support, security, audit logs, product reliability, legal compliance and dispute resolution.
6.2. Depending on Your selected journey, Tax Data may include identity information, PAN, Aadhaar number or Virtual ID where voluntarily provided or legally required for a specific action, contact details, address, bank details, demat/trading/mutual fund/insurance/pension/investment data, salary and employer details, Form 16, Form 26AS, AIS, TIS, TDS/TCS, challans, tax payments, deductions, exemptions, capital gains, business/professional income, foreign assets/income, virtual digital assets, documents uploaded by You, draft/validated/filed returns, acknowledgements, refund status, error reports, support communications and consent/audit artefacts.
6.3. Tax Data may be obtained from You directly, from documents uploaded by You, from Your INDmoney Platform accounts or services, from third-party platforms authorised by You, from API/consent flows, from statements parsed by our systems, from government or tax portals, from professional/service providers involved in the assisted plan and from other Authorised Data Sources enabled by You.
6.4. We may process Tax Data to create and maintain Your tax profile, pre-fill forms and schedules, calculate taxable income, tax, interest, fee, refund or liability, reconcile income and transactions, detect missing information or inconsistencies, show alerts and prompts, enable assisted review, submit or e-verify returns where authorised, retrieve acknowledgements, provide support, maintain audit trails, comply with law and protect against fraud, misuse or security incidents.
6.5. Where Tax Data is received from another INDmoney group service, platform or group company used by You, such sharing will be limited to the Tax Data needed for the Services and will be governed by Your consent, the applicable platform privacy policy and these T&Cs.
6.6. We may use de-identified, aggregated or anonymised information that does not identify You to improve the Services, tax logic, security, analytics and product quality, provided such use is consistent with Applicable Law.
Aadhaar, OTP, EVC, DSC and authentication
7.1. Providing Aadhaar number or Virtual ID is voluntary unless required under Applicable Law or by the Income Tax Department for a specific action. Where alternatives such as EVC, net banking, bank account, demat account, DSC or physical ITR-V are available, You may choose the applicable alternative supported in the Service journey.
7.2. Any Aadhaar OTP, EVC, DSC PIN/password, government portal authentication input or similar credential is action-specific and must be entered only by You in the authorised secure flow. We will not ask You to tell, email, chat, dictate or otherwise share Your OTP, password, DSC PIN, biometric or similar authentication secret with any person.
7.3. We will not permanently store OTPs, passwords, DSC PINs, biometrics or similar authentication secrets. We may retain transaction status, masked identifiers, timestamps, consent artefacts, audit logs, error codes and confirmation records needed for legal, regulatory, security, service and dispute-resolution purposes.
7.4. You are responsible for ensuring that Your registered mobile number, email ID, Aadhaar linkage, bank account, demat account, DSC and Income Tax Department profile details are correct, accessible and controlled by You before using an e-verification or filing flow.
User responsibilities
8.1. You must provide true, complete, current and accurate Tax Data and must not conceal income, misclassify transactions, claim deductions without eligibility, provide false documents, misuse another person's data, impersonate any person, evade tax, misuse the Services or provide information that is unlawful, misleading or incomplete.
8.2. You must carefully review all pre-filled data, computations, schedules, draft returns, warnings, errors, declarations, refund or liability figures and final outputs before filing or e-verifying. You are responsible for correcting inaccuracies and for deciding whether the return should be submitted.
8.3. You must pay any tax, interest, fee, penalty, surcharge, cess or other amount payable by You directly through authorised channels. Finzoomers is not responsible for making tax payments on Your behalf unless a separate Service expressly provides for such facilitation and the same is permitted under Applicable Law.
8.4. You must file and e-verify within statutory timelines. Delays caused by Your late action, incomplete data, non-payment of tax, delayed OTP/EVC/DSC, portal downtime, third-party delays or unresolved discrepancies may result in interest, fee, penalty, invalid return, loss of benefit or other consequences for which You remain responsible.
8.5. If You provide data relating to another person, You confirm that You have lawful authority and consent to do so and will indemnify Finzoomers against claims arising from unauthorised use of such data.
8.6. You must not scrape, reverse engineer, disrupt, misuse, overload, resell, copy, reproduce, commercially exploit, tamper with or attempt unauthorised access to the Services, INDmoney Platform, APIs, tax logic, content or systems.
Final review, filing and e-verification
9.1. Before any electronic filing action is enabled, You may be required to provide a final confirmation in the Service journey stating that You have reviewed and verified Your Income Tax Return and authorise Finzoomers to electronically file the return based on the information, documents, data and confirmations provided or authorised by You.
9.2. Electronic filing and e-verification may be separate actions. A return may not be treated as validly verified unless You complete the applicable Aadhaar OTP, EVC, DSC, net banking, bank account, demat account, physical ITR-V or other verification process prescribed or enabled for that return.
9.3. Any acknowledgement, ITR-V, filing status, validation status, refund status or intimation shown in the Services is based on data received from the relevant government, ERI, API or third-party system and may be subject to delay, mismatch, correction or further action.
Assisted plan and professional support
10.1. If You purchase an assisted plan, the plan description, inclusions, exclusions, support channel, consultant allocation, turnaround time and fees will be displayed on the Service Page or communicated to You. Allocation of a chartered accountant/tax consultant or specialist support desk may depend on plan availability, user cooperation, document availability and the nature of Your tax case.
10.2. Any consultant or professional assistance will be based on the documents, confirmations, Tax Data and facts provided or authorised by You. Finzoomers and such consultant/professional are entitled to rely on the information provided by You without independently verifying every underlying source or transaction unless the specific plan expressly includes such verification.
10.3. Assisted plans do not include audit, certification, attestation, representation before tax authorities, litigation support, responses to notices, reassessment support, tax planning, valuation, transfer pricing, GST services or other professional services unless expressly included in the applicable Service Page or separately agreed in writing.
System-generated outputs, tax positions and disclaimers
11.1. The Services use technology, rules, calculators, data parsing, pre-fill, reconciliation, validations, prompts, help text and automated checks. These outputs are assistance tools only. They do not replace Your judgement, professional advice or statutory responsibility as a taxpayer.
11.2. Pre-filled data from the Income Tax Department, AIS, TIS, Form 26AS, employers, banks, brokers, registrars, depositories, payment systems, other platforms or uploaded documents may be incomplete, delayed, duplicated, incorrectly mapped or inconsistent. You must verify, reconcile and correct such data before filing.
11.3. Tax law may involve interpretation. Finzoomers does not guarantee that any computation, classification, deduction, exemption, set-off, carry forward, tax position, refund claim, disclosure or schedule will be accepted by the Income Tax Department or any authority.
11.4. Finzoomers does not guarantee any tax saving, refund amount, refund timeline, assessment outcome, avoidance of notice, absence of scrutiny, absence of penalty, eligibility of deduction, carry-forward of losses, or processing by the Income Tax Department within any particular timeline.
11.5. Finzoomers is not responsible for errors, delays or losses arising from inaccurate, incomplete or late information provided by You, errors in third-party or government data, portal downtime, API failure, system outages, internet failure, device issues, late payment of taxes, delayed OTP/EVC/DSC, rejected bank validation, PAN/Aadhaar mismatch, incorrect bank account, unsupported ITR scenario or any cause beyond its reasonable control.
11.6. Educational content, FAQs, blogs, calculators, prompts, examples or support responses are general guidance and are not a professional opinion. For complex or material matters, You should seek independent professional advice.
Third-party services and external dependencies
12.1. The Services may depend on third-party systems, data providers, government portals, ERI/API infrastructure, cloud providers, payment gateways, communication providers, document parsing tools, analytics tools, professional partners, support vendors and other processors or service providers.
12.2. We will take reasonable steps to use service providers under appropriate confidentiality, security and data processing obligations. However, availability, accuracy, timeliness and performance of external systems may be outside our control.
12.3. Where You are redirected to or use a third-party or government portal, that portal's terms, privacy notices, security controls and processes may apply. You should review them before proceeding.
Fees, taxes and refunds
13.1. Fees, if any, will be shown on the Service Page or checkout screen before You pay. Fees may vary based on tax year, plan, features, support level, offers, payment method, service scope and Applicable Law.
13.2. Unless expressly stated otherwise, fees are exclusive of applicable taxes. We may collect GST or other taxes as applicable and issue invoices or receipts in accordance with Applicable Law.
13.3. Fees are generally non-refundable once the Service is activated, computation begins, data is imported, drafts are generated, support is provided or filing assistance has materially commenced. Any cancellation, refund, free trial or promotional terms displayed on the Service Page will apply in addition to these T&Cs.
13.4. Income tax refunds are issued solely by the Income Tax Department to the bank account validated/accepted under the applicable process. Finzoomers does not hold, control, guarantee, accelerate or disburse income tax refunds.
Communications and notices
14.1. You consent to receive Service-related communications through the INDmoney Platform, email, SMS, WhatsApp, push notification, phone call, in-app message or other contact details provided by You. Service-related communications may include consent prompts, filing reminders, missing-data alerts, OTP/e-verification reminders, payment confirmations, support updates, status updates, refund/status alerts and security notices.
14.2. You are responsible for ensuring that Your mobile number, email address and communication permissions are current and accessible. We are not responsible if You miss statutory deadlines or communications due to incorrect, inactive or inaccessible contact details.
14.3. Support communications may be recorded or logged for quality, security, training, dispute resolution and audit purposes, subject to Applicable Law.
Confidentiality, security and retention
15.1. We will maintain reasonable administrative, technical and organisational safeguards designed to protect Tax Data against unauthorised access, disclosure, alteration, destruction or loss, having regard to the nature of the Services and Applicable Law.
15.2. Access to Tax Data will be limited to personnel, group support teams, processors, professionals, vendors and service providers who need access for the Services and are subject to appropriate confidentiality, security or contractual obligations.
15.3. We may retain Tax Data for as long as reasonably required for the Services, filing records, legal compliance, tax/accounting records, audit logs, security, fraud prevention, customer support, dispute resolution, regulatory requests and enforcement of these T&Cs. We may delete, anonymise or archive Tax Data when it is no longer required, subject to Applicable Law and system limitations.
15.4. Despite reasonable safeguards, internet-based services may be affected by malware, phishing, cyber attacks, device compromise, transmission failure or unauthorised actions outside our reasonable control. You should keep Your devices, apps, browser, email and passwords secure and updated.
15.5. If You become aware of any actual or suspected unauthorised access, data breach, misuse, phishing attempt, OTP request outside the secure flow or other security concern relating to the Services, You should immediately contact taxsupport@indmoney.com.
Privacy rights and grievance contact
16.1. You may exercise rights available to You under Applicable Law, including access, correction, completion, updating, withdrawal of consent (in the manner described in Clause 5.4), grievance redressal, nomination or erasure rights, subject to statutory exceptions, technical feasibility and retention obligations.
16.2. Requests relating to the Services may be sent to taxsupport@indmoney.com. Privacy-specific grievances may also be raised through the grievance or privacy contact mechanism provided in the INDmoney Privacy Policy or in-app help centre.
16.3. We may need to verify Your identity before acting on a request. Certain requests may affect our ability to continue the Services or maintain filed-return support records.
Intellectual property and platform use
17.1. All rights in the INDmoney Platform, Services, tax engines, calculators, workflows, screens, software, code, APIs, content, designs, documentation, trademarks, logos, trade names, analytics, service logic and know-how belong to Finzoomers, INDmoney Tech Private Limited or their licensors/group entities, as applicable.
17.2. You receive only a limited, revocable, non-exclusive, non-transferable right to use the Services for Your personal tax filing assistance in accordance with these T&Cs.
17.3. You retain ownership of Your Tax Data. You grant Finzoomers the rights necessary to host, process, transmit, display, use, generate outputs from and otherwise handle Tax Data for the Services and permitted purposes described in these T&Cs.
Suspension, refusal and termination
18.1. We may refuse, suspend, limit or terminate access to the Services if required by Applicable Law, a regulator, government authority or platform policy; if You breach these T&Cs; if data is inaccurate, incomplete, suspicious or unverifiable; if fraud, misuse, unauthorised access, security risk, abuse or prohibited activity is suspected; if continued Service may create legal, regulatory, security, reputational or operational risk; or if the Service, portal, API or data source is unavailable, discontinued or materially changed.
18.2. You may stop using the Services at any time. Stopping use may not automatically delete historical Tax Data, records, invoices, audit logs or filed-return records that we are permitted or required to retain.
18.3. Clauses relating to user responsibility, disclaimers, data retention, confidentiality, intellectual property, fees, limitation of liability, indemnity, governing law and dispute resolution will survive termination to the extent relevant.
Limitation of liability
19.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FINZOOMERS DOES NOT MAKE ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPATIBLE WITH EVERY DEVICE, FREE FROM DELAY, ACCEPTED BY AUTHORITIES, OR SUITABLE FOR EVERY TAX SITUATION.
19.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINZOOMERS WILL NOT BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, LOSS OF PROFITS, LOSS OF OPPORTUNITY, LOSS OF DATA, LOSS OF GOODWILL, TAX INTEREST, PENALTY, ASSESSMENT DEMAND OR AUTHORITY ACTION ARISING FROM OR RELATING TO THE SERVICES, EXCEPT TO THE EXTENT SUCH LIABILITY CANNOT BE EXCLUDED UNDER APPLICABLE LAW.
19.3. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINZOOMERS' AGGREGATE LIABILITY FOR CLAIMS RELATING TO THE SERVICES FOR A TAX YEAR WILL NOT EXCEED THE FEES PAID BY YOU TO FINZOOMERS FOR THE AFFECTED SERVICE FOR THAT TAX YEAR.
19.4. Nothing in these T&Cs excludes or limits liability to the extent such exclusion or limitation is not permitted under Applicable Law, including for fraud, wilful misconduct or statutory consumer rights that cannot be waived.
19.5. No INDmoney group company, affiliate, director, officer, employee, agent, representative, platform provider or service provider will be liable for the Services unless it has expressly undertaken a direct obligation to You for the relevant Service under a separate agreement or mandatory Applicable Law.
Indemnity
20.1. You agree to indemnify and hold harmless Finzoomers, its holding company, affiliates, subsidiaries, directors, officers, employees, agents and representatives from claims, losses, liabilities, penalties, costs and expenses arising out of false, inaccurate, incomplete, misleading or unlawful Tax Data; Your breach of these T&Cs or Applicable Law; unauthorised use of another person's data; misuse of the Services; tax positions, filings or confirmations made based on Your instructions; or any third-party claim arising from Your acts, omissions, data, documents or instructions.
20.2. This indemnity will not apply to the extent the claim is finally determined by a competent court to have arisen directly from Finzoomers' fraud, wilful misconduct or material breach of Applicable Law.
Changes to Services or T&Cs
21.1. We may update these T&Cs from time to time to reflect product changes, legal requirements, security practices, regulator/government portal changes, technology changes or business requirements. The updated version will be made available on the INDmoney Platform or otherwise communicated as required under Applicable Law.
21.2. Material changes will apply prospectively unless a change is required immediately by Applicable Law or for security, fraud prevention or government/regulatory reasons. Continuing to use the Services after an update means You accept the updated terms.
Governing law and disputes
22.1. These T&Cs shall be governed, interpreted and construed in accordance with the laws of India.
22.2. Subject to non-excludable rights available to consumers under Applicable Law and the jurisdiction of consumer forums or statutory authorities where applicable, You agree that any proceeding brought by You in relation to these T&Cs or the Services shall be exclusively before the courts in New Delhi, India. Finzoomers shall have the right to bring proceedings before any court/forum of competent jurisdiction where required to protect its rights, recover dues, prevent misuse, respond to regulatory action or obtain urgent relief.
22.3. Before initiating legal proceedings, the parties should attempt to resolve disputes through good faith discussions through the support or grievance channels, except where urgent interim relief, regulatory reporting or statutory remedies are required.
Miscellaneous
23.1. If any provision of these T&Cs is held invalid or unenforceable, the remaining provisions will continue in effect and the invalid provision will be replaced by a valid provision that most closely reflects the original intent.
23.2. Our failure to enforce any provision will not be a waiver of our right to enforce it later.
23.3. You may not assign or transfer Your rights or obligations under these T&Cs without our prior written consent. We may assign, transfer, subcontract or otherwise deal with our rights and/or obligations in connection with restructuring, merger, acquisition, sale of business, change in service provider, internal group reorganisation or operational requirements, subject to Applicable Law.
23.4. These T&Cs, the Service Page, applicable consent screens, Privacy Policy and Platform Terms together constitute the entire understanding relating to the Services.