Terms of Service

“Vertofi”, “we”, “us” means the operator of the Services. “You” or “User” means the individual or business using the Services. “Account” means your registered workspace. “Content” means data, documents and information you submit. “Subscription” means a paid plan. “AI Output” means insights, drafts or recommendations generated by automated models.

Vertofi is a predictive accounting and financial-intelligence platform that helps businesses automate accounting, generate GST-compliant invoices and statutory documents, connect bank data, manage payroll and inventory, monitor compliance, and receive AI-assisted insights — including via WhatsApp. Features and availability may evolve over time.

You must be at least 18 years old and capable of forming a binding contract to use the Services. The Services are intended for businesses and professionals, primarily in India. You may not use the Services if you are barred from doing so under applicable law.

• Provide accurate, current and complete information and keep it updated;
• Maintain the confidentiality of your credentials and all activity under your Account;
• Use the Services only for lawful business purposes and in compliance with applicable law;
• Obtain all necessary consents from individuals (e.g. employees, customers) whose data you submit; and
• Promptly notify us of any unauthorised use or security incident affecting your Account.

You are solely responsible for the accuracy, completeness and timeliness of the source data you enter or connect (including bank, GST, invoice, payroll and accounting data). Vertofi automates and assists, but you must review and approve invoices, entries, filings and reports before relying on or submitting them. Vertofi is not responsible for outcomes resulting from inaccurate, incomplete or untimely data provided by you or your connected sources.

Certain features require a paid Subscription. Subscriptions are offered on monthly or annual billing cycles and may include a free trial. Plan features, limits and prices are described at the point of purchase. We may change plans or pricing prospectively with notice; changes do not affect the current paid term.

Subscriptions are billed in advance through our payment processor (such as Razorpay) via the method or auto-pay mandate you authorise. Fees are stated exclusive of taxes; applicable GST and other taxes are added as required by law. You authorise recurring charges for renewals until you cancel. If a payment fails, we may suspend paid features until the amount due is settled. You are responsible for providing valid, current payment information.

You may cancel your Subscription at any time from your account or by contacting info@vertofi.com. Cancellation stops future renewals; access to paid features continues until the end of the current paid period, after which the Account may revert to a limited or read-only state. See our Refund Policy for details.

Except where required by law, fees are generally non-refundable, and partial billing periods are not pro-rated upon cancellation. Specific eligibility, exclusions and the process for refunds are set out in our Refund & Cancellation Policy, which forms part of these Terms.

You are responsible for determining and meeting your own GST registration, invoicing, filing and payment obligations. Vertofi’s GST features (including GSTIN lookup, HSN/SAC suggestions, e-invoice/e-way bill support and reconciliation) are tools to assist you and do not replace your obligation to verify and file correctly. Tax positions are subject to applicable laws, notifications and your professional advisor’s guidance.

The Services, including all software, models, designs, text, and trademarks, are owned by Vertofi or its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services during your subscription. You may not copy, modify, reverse-engineer, resell or create derivative works from the Services except as permitted by law.

As between you and Vertofi, you retain all rights to your Content. You grant Vertofi a limited licence to host, process and use your Content solely to provide, secure and improve the Services and as described in our Privacy Policy. We may use aggregated, anonymised data that does not identify you or your business to improve the Services and generate benchmarks.

You agree not to:

• Use the Services for unlawful, fraudulent, or misleading purposes, including tax evasion or money laundering;
• Upload malware, attempt to breach security, or access data belonging to another organisation;
• Interfere with, overload, or disrupt the Services or related infrastructure;
• Use automated means to scrape or extract data except via permitted APIs;
• Infringe the intellectual-property or privacy rights of others; or
• Misuse the WhatsApp integration to send spam or content that violates Meta/WhatsApp policies.

We strive to keep the Services available and reliable but do not guarantee uninterrupted or error-free operation. The Services may be temporarily unavailable for maintenance, updates, or factors beyond our control. We may modify, suspend or discontinue features with reasonable notice where practicable.

The Services integrate with third parties such as the WhatsApp Business Platform (Meta), payment processors, GST Suvidha Providers, the GST Network, and RBI-licensed Account Aggregators and banking partners. Your use of those integrations may be subject to the third party’s own terms and policies. We are not responsible for third-party services, and availability of an integration may change.

Vertofi is a software platform, not a bank, lender, payment system operator, registered investment adviser, chartered accountant, tax practitioner, or law firm. Nothing in the Services constitutes professional financial, tax, legal, accounting or investment advice. Information and reports are provided for your business’s informational use only. You should consult a qualified professional before making decisions, and you remain solely responsible for your business decisions and statutory compliance filings.

The Services use artificial intelligence to digitise documents, classify and draft entries, suggest tax treatments, and generate insights and recommendations (“AI Output”). AI Output is probabilistic, may be incomplete or inaccurate, and must be independently reviewed and verified by you before reliance, submission or filing. AI Output does not constitute professional advice and is provided “as is” without warranty. You are responsible for all entries, approvals and filings made from your Account.

Except as expressly stated in a separate written agreement, the Services are provided “as is” and “as available” without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law.

To the maximum extent permitted by law, Vertofi and its affiliates, officers, employees and partners will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill, or business, arising out of or related to the Services. Our total aggregate liability for any claim arising out of or relating to the Services will not exceed the amount you paid to Vertofi for the Services in the twelve (12) months preceding the event giving rise to the claim.

You agree to indemnify and hold harmless Vertofi and its affiliates from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of your Content, your use of the Services, your violation of these Terms or applicable law, or your infringement of any third-party right.

You may stop using the Services at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, fail to pay fees, use the Services unlawfully, or create risk or legal exposure for Vertofi or others. Upon termination, your right to use the Services ceases. We will make your data available for export for a reasonable period unless prohibited by law, after which it may be deleted subject to statutory retention requirements described in our Data Deletion page.

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Subject to the arbitration provision below, the courts at the seat of Vertofi’s registered office in India shall have exclusive jurisdiction.

The parties will first attempt to resolve any dispute amicably. Any dispute not resolved within thirty (30) days shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by mutual agreement. The seat and venue of arbitration shall be in India, the language shall be English, and the award shall be final and binding. Nothing prevents either party from seeking interim relief from a court of competent jurisdiction.

We may update these Terms from time to time. We will post the updated Terms here with a revised “Last updated” date and, where appropriate, provide additional notice. Continued use of the Services after an update constitutes acceptance of the revised Terms.

Questions about these Terms? Email info@vertofi.com, or privacy@vertofi.com for privacy and data matters.