(FOR OUTSIDE INDIA CUSTOMERS)

Last Updated: June 03, 2021

We, Finsmart Ledger ("We", "Us", "Our", “Company”), are in the business of providing a cloud-based financial product platform and related services under the brand name “Finsmart FPO”, including optional value-added services such as integrations, analytics, financial tools, and APIs. The Company has created and owns the Finsmart Platforms and licenses their use via subscription models for a Subscription Fee.

The subscription to the Finsmart FPO Platform and associated services (“Finsmart Subscription”) is governed by our Terms of Services agreed by you (the “User”) at the time of subscription. You may select a subscription plan and make payment through available methods.

Fees

You must pay the Subscription Fee according to your selected Finsmart Subscription plan. This fee is non-refundable except as provided in this Cancellation & Refund Policy. Taxes may apply. Your subscription activates only upon successful payment.

Subscription Cancellation & Refund

You may cancel your subscription anytime via your account settings. If cancelled within 15 business days of purchase, you will receive a full refund via credit note, minus any used services or benefits. Annual plan cancellations after 15 days receive a prorated refund based on usage. Monthly plan refunds apply only if no benefits have been used.

Revisions

We reserve the right to update our Terms of Service and this policy at any time. Continued use after changes implies acceptance. If you disagree, cancel your subscription.

Termination by Us

We may terminate your subscription without notice and provide a prorated refund, except in cases of Terms of Service violations, fraud, misuse, or harmful behavior, in which case no refund will be given.

Limitation of Liability

We are not liable for any indirect, incidental, special, or consequential damages related to your use of Finsmart Platforms. Our total liability will not exceed the last Subscription Fee you paid. These limitations apply to the fullest extent permitted by law and will survive termination.