Legal

Terms of Service

The agreement between you and Fintrack Labs covering accounts, the Pro plan, acceptable use and liability.

Last updated: 27 August 2026  ·  Shyam Sundar (Sole Proprietor)

These Terms of Service ("Terms") govern your use of Fintrack Labs (the "Service"), operated by Shyam Sundar (Sole Proprietor), a sole proprietorship trading as Fintrack Labs and carrying on business at 1163/3, E.B. Nagar, Arni, Tiruvannamalai District, Tamil Nadu, 632316, India. By creating an account or using the Service you agree to these Terms. Please read section 4 (Pro plan) and section 5 (Refunds) carefully — they affect your money.

1. What Fintrack Labs is — and is not

Fintrack Labs is a personal finance tracking and organisation tool. It lets you record and view your own assets, liabilities, goals, expenses and net worth in one place, with optional automated insights on the Pro plan.

• We are NOT a bank, broker, depository participant, mutual fund distributor or insurer.
• We are NOT registered with SEBI as an Investment Adviser or Research Analyst.
• We do NOT hold, custody, receive, transfer or manage your money or your securities.
• We do NOT execute trades or transactions of any kind.
• We do NOT connect to, log in to, or read from your bank, broker or fund accounts. You enter your data manually.

Nothing in the Service is investment, financial, tax or legal advice. See our Disclaimer.

2. Eligibility and your account

• You must be at least 18 years old and legally able to enter into a contract.
• You must give accurate account information and keep your password confidential.
• You are responsible for activity under your account. Tell us immediately at [email protected] if you suspect unauthorised access.
• One person, one account. Do not share your login.

3. Your data

• You own the data you enter. We use it only to provide the Service back to you, as set out in the Privacy Policy.
• All figures are provided by you. We do not independently verify them, except where a specific feature (such as public NAV or market price lookups) fetches public reference data for convenience.
• You can export all of your data at any time from Settings → Your data → Export, and delete your account at any time.

4. Fintrack Labs Pro

• Pro is an optional paid plan that unlocks automated portfolio insights, the Pro Score, allocation analysis, goal forecasting and priority support.
• Pro is sold in TWO forms, and you choose which one you are buying before you pay. Both are shown on the same screen, with the amount and the renewal terms stated on it.
• AUTO-RENEWING — a recurring plan paid by UPI Autopay. You approve a mandate once in your own UPI banking app, and the plan renews every 30 or 365 days, at the price shown, until you cancel it. The mandate carries a maximum amount per period which is displayed to you and which you approve; your bank will not permit a debit above that amount. UPI Autopay also requires a pre-debit notification before every renewal, which is sent by Razorpay and your UPI app rather than by us, normally at least 24 hours in advance.
• ONE-TIME — a single payment for a fixed access period, 30 or 365 days from the date of successful payment. It does not renew. No payment instrument is retained and no further charge can be raised.
• Launch Edition pricing, where offered, applies to the FIRST payment only. On an auto-renewing plan, renewals after the first are charged at the regular published price, and the mandate you approve is for that regular price from the outset.
• You may cancel an auto-renewing plan at any time, from Settings → Plan inside the app or from the autopay section of your UPI app. Cancellation stops all future charges. It does not shorten a period you have already paid for: Pro remains active until that period expires.
• When a period ends without renewal, your account reverts to the Core plan. All of your data remains intact; only the Pro features stop.
• Payment is taken on a secure page hosted by our payment partner Razorpay — a single payment for a one-time plan, or a UPI Autopay mandate for an auto-renewing one. We never see or store your UPI ID, card or bank details, and the mandate is held by Razorpay and your bank rather than by us.
• All prices in Indian Rupees. Fintrack Labs is currently not registered under GST. Accordingly, GST is not charged on these prices and a GST tax invoice is not issued.
• The plan price and its exact validity period are displayed before you pay. The price you see is the price you pay.

5. Delivery, refunds and cancellation

Fintrack Labs Pro is a digital service delivered instantly. There is nothing to ship.

• Delivery — Pro activates on your account automatically as soon as payment is confirmed, normally within a few minutes. If it has not activated within 24 hours, contact us and we will either activate it or refund you in full.
• Cancellation — an auto-renewing plan can be cancelled at any time from Settings → Plan, or from your UPI app; future charges stop immediately and access continues to the end of the period already paid for. A one-time purchase has nothing to cancel: it simply expires.
• Refunds — a paid plan gives you immediate access to the Pro features for the period you pay for, so payments are non-refundable once made. That includes changing your mind, no longer using the Service, or forgetting to cancel before a renewal, and it applies to the initial payment and to any automatic renewal. Cancelling stops the next renewal but is not a refund: you keep access for the remainder of the period already paid for, and we do not refund the unused portion of a period. The exceptions below are the only cases in which we refund.
• We WILL refund in full where: you were charged more than once for the same purchase; you were charged but Pro was never activated; or you were charged in error through a fault on our side. Where we permanently withdraw a material Pro feature during a period you have paid for, or close your account without cause, we refund the unused portion pro rata.
• To request a refund under one of those cases, email [email protected] with your transaction reference within 30 days of the charge. Approved refunds are returned to the original UPI account within 5–7 business days.
• Nothing here limits any right you have under the Consumer Protection Act, 2019 or other applicable law.

The full policy is also published separately at /refund.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, including money laundering or tax evasion.
• Attempt to access another user's account or data.
• Probe, scan, overload or disrupt our infrastructure, or circumvent rate limits or access controls.
• Scrape, resell or redistribute the Service or its content.
• Upload malicious code, or content that infringes someone else's rights.

7. No financial advice

Nothing in Fintrack Labs — including automated insights, the Pro Score, allocation analysis, goal forecasts or suggested next steps — is financial, investment, tax or legal advice, a recommendation, or an offer or solicitation to buy or sell anything. These are automated observations about numbers you entered yourself. You are solely responsible for your financial decisions, and we recommend consulting a SEBI-registered investment adviser before making significant ones. See our Disclaimer.

8. Availability and changes

We aim to keep the Service available and accurate but do not guarantee uninterrupted access. We may update, change or withdraw features. Where a change materially reduces what a paid Pro period gives you, we will either restore it or refund the unused portion.

Some data (public NAV and market prices) comes from third-party sources, may be delayed by 15 minutes or more, and may be unavailable or wrong. We label delayed data where it appears.

9. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate an account that breaches these Terms; where we do so without cause and you hold an unexpired paid Pro period, we will refund the unused portion pro rata.

10. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability to you for any claim arising out of or relating to the Service is limited to the greater of (a) the amount you paid us in the twelve months before the claim, or (b) ₹1,000.

We are not liable for indirect, incidental, special or consequential loss, or for lost profits, lost data or investment losses, including any decision you make on the basis of information shown in the app.

Nothing in these Terms excludes liability that cannot be excluded by law, including for fraud or for death or personal injury caused by negligence.

11. Governing law and disputes

These Terms are governed by the laws of India. The courts at Arni, Tamil Nadu have exclusive jurisdiction, save that you may also bring proceedings in any consumer forum available to you under the Consumer Protection Act, 2019.

Before starting proceedings, please contact [email protected] — most issues are resolved quickly. Unresolved grievances may be escalated to our Grievance Officer, Shyam Sundar, at [email protected].

12. Changes to these Terms

We may update these Terms. Material changes will be notified in-app or by email at least 14 days before they take effect. Continuing to use the Service after that means you accept them. If you do not, you may delete your account and, if you hold an unexpired paid period, ask us for a pro-rata refund.

13. Contact

Shyam Sundar (Sole Proprietor), 1163/3, E.B. Nagar, Arni, Tiruvannamalai District, Tamil Nadu, 632316, India

Email: [email protected]