Terms of Service

1. Acceptance of Terms & Conditions

GSTMunshi.com (hereinafter referred to as "the Website", "the App", "GSTMunshi", "We", "Us", or "Our") provides invoicing, billing, stock monitoring, accounting, tax filing summaries, financial calculators, stock analytics, and educational resources. By visiting our site, registering an account, purchasing any SaaS subscription, or accessing any tool, the User (hereinafter "You", "Your", or "Customer") agrees to be legally bound by these Terms of Service, our Privacy Policy, and our Refund & Cancellation Policy.

If you do not agree to all terms and conditions set forth herein, you must immediately discontinue use of our platform. We reserve the right to modify or replace these terms at our sole discretion, with updates reflected on this page.

2. Legal Entity & Ownership

GSTMunshi.com and all associated software products are operated and managed under the administrative supervision of Shobhit Dalmia / GSTMunshi, with its registered correspondence in New Delhi, India.

For any official correspondence, statutory queries, or customer grievances regarding these terms, you can contact our helpdesk at support@gstmunshi.com.

3. User Registration, OTP & Account Security

To utilize our billing and ledger services, you must register using a valid mobile number and verify your identity via a secure One-Time Password (OTP). You agree to provide accurate, current, and complete business information, including your legal business name, GSTIN (optional for unregistered entities), state of operation, and email address.

You are solely responsible for safeguarding your login OTPs and maintaining the confidentiality of your account credentials. GSTMunshi holds zero liability for any data loss, unauthorized invoicing, or fraudulent entries arising from your failure to protect your verification codes or unauthorized access to your mobile device.

4. Billing, SaaS Plans & Payment Gateways

GSTMunshi offers a free tier with standard invoice limits, as well as premium paid subscription plans (SaaS) featuring unlimited billing, multi-business organization management, e-invoicing export, and priority report compilation.

By subscribing to a paid plan, you agree to pay the applicable monthly, quarterly, or annual fees. Subscription fees are processed through RBI-authorized third-party payment gateways (including Razorpay, Cashfree, Paytm, and similar compliant processors). GSTMunshi never stores sensitive payment credentials such as credit/debit card numbers, CVVs, net banking credentials, or UPI PINs.

5. Refund & Cancellation Policy

Paid subscriptions may be cancelled by the user at any time from their organization account settings. Upon cancellation, paid features remain accessible until the conclusion of the current prepaid billing period, after which the account transitions gracefully to the standard Free Tier.

As GSTMunshi offers a fully functional Free Tier allowing users to thoroughly test invoice generation before upgrading, premium upgrades are backed by a transparent 7-Day Money-Back Guarantee from the date of initial purchase. If you are unsatisfied with our premium tier for any reason within the first 7 days, contact support@gstmunshi.com for a 100% refund. Refund requests submitted after 7 days are non-refundable. Approved refunds are credited back to the original source payment method within 5 to 7 banking days.

6. Mode of Delivery of Service (SaaS Delivery)

GSTMunshi operates 100% as a cloud-based Software-as-a-Service (SaaS). Upon successful transaction confirmation, paid plan benefits (such as unlimited invoice quota, custom branding, and multi-user access) are activated instantly on your account without manual intervention.

No physical items, setup disks, activation keys, or packaged boxes are shipped. All software capabilities and updates are delivered entirely over the web and accessible via standard modern desktop and mobile browsers.

7. GST Compliance & Accounting Liability Disclaimer

GSTMunshi provides tax calculation modules, HSN/SAC code libraries, GSTR-1, GSTR-3B offline summaries, and daybook ledgers as helper computational software. All calculations (such as CGST, SGST, IGST tax amounts, round-offs, and cess) are calculated strictly according to the numbers, items, and tax rates configured by you.

It remains the absolute responsibility of the User to verify all invoices, tax classifications, and return numbers prior to submitting official filings on the GST Common Portal (gst.gov.in) or to tax authorities. GSTMunshi does not guarantee official department acceptance and is not liable for tax penalties, notices, interest assessments, or audit sanctions resulting from inaccurate invoice data entered by the user. You are advised to review your final books with a certified Chartered Accountant (CA) or tax consultant.

8. Third-Party Advertisements & Google AdSense Disclaimer

GSTMunshi.com displays advertisements served by Google AdSense and authorized third-party ad networks across various public informational pages, financial calculators, and blog guides. These advertisements are clearly identified with standard Google ad labels or promotional badges.

9. Financial Calculators & Educational Simulator Disclaimer

All interactive calculation tools, estimation simulators (such as GST calculators, Income Tax estimators, SIP/Mutual Fund simulators, Loan EMI calculators, Blox Fruits value evaluators, Salary & HRA tools, PDF utility suites, and Stock Market valuation engines), and educational articles published on GSTMunshi.com are provided strictly for educational and general informational simulation purposes.

These tools and articles do NOT constitute certified financial, accounting, auditing, legal, investment, or statutory advice under the guidelines of the Institute of Chartered Accountants of India (ICAI), SEBI, or the Reserve Bank of India (RBI). Tax regulations and market valuations change frequently based on government circulars and market dynamics. Users must verify all calculations and consult a certified Chartered Accountant (CA) or certified financial planner before executing real-world commercial transactions or statutory tax returns.

10. External Links & Third-Party Resources

Our platform contains hyperlinks to external websites, including official government portals (such as gst.gov.in, incometax.gov.in, epfindia.gov.in, parivahan.gov.in, uidai.gov.in), educational videos, and third-party references. These external links are provided purely for user convenience.

GSTMunshi has no control over the content, uptime, security protocols, or privacy practices of third-party domains. Visiting external links is done at your own risk, and we accept no liability for any loss or harm resulting from external web content.

11. Prohibited Conduct

When utilizing GSTMunshi.com, you agree that you will NOT:

• Generate false, circular, or bogus tax invoices for tax evasion or money laundering.
• Attempt to reverse engineer, decompile, or breach the source code, APIs, or database systems of GSTMunshi.
• Deploy automated scrapers, bots, or data harvesting scripts against our servers without prior written authorization.
• Engage in invalid click generation, automated bot traffic, or artificial manipulation of advertisements displayed on the platform.
• Upload malware, viruses, or defamatory material to customer records, invoice line items, or public forum sections.

Violation of these rules will result in immediate account termination and reporting to appropriate cyber-crime and tax law enforcement authorities.

12. Limitation of Liability

To the maximum extent permitted under applicable law, in no event shall GSTMunshi, its proprietors, developers, or affiliates be liable for any direct, indirect, incidental, punitive, or consequential damages (including loss of business profits, goodwill, data corruption, statutory tax penalties, or business interruption) arising out of the use or inability to use our platform or reliance on any calculator or article.

Our total cumulative liability under any circumstance is strictly capped at the total subscription fees paid by you to GSTMunshi in the three (3) months immediately preceding the event giving rise to the claim.

13. Governing Law & Dispute Resolution

These Terms of Service shall be governed by, construed, and interpreted in accordance with the substantive laws of the Republic of India. Any disputes, claims, or controversies arising from or relating to these terms or the use of GSTMunshi.com shall be subject to the exclusive jurisdiction of the competent civil courts located in New Delhi, India.

14. Intellectual Property, Content Copyright & Image Licensing Policy

All digital images, infographics, visual calculators, software UI mockups, logos, trademarks, and editorial illustrations displayed across GSTMunshi.com (including both Indian and US editions) are protected under Indian and international copyright conventions.

Image Licensing & Attribution Guidelines:

• Editorial Visuals & Research Graphics: All editorial graphics, charts, and diagrams published across our Knowledge Hub and articles are copyrighted by GST Munshi (© 2026 GST Munshi. All rights reserved). Non-commercial educational quotation is permitted provided clear attribution ("GST Munshi") and a direct do-follow hyperlink back to the source URL on GSTMunshi.com are maintained.
• Licensing & Commercial Acquisition: Any commercial re-publication, syndication, software embedding, or third-party training use of our visual assets requires prior written licensing authorization. To acquire a commercial license or request permission, please contact our editorial desk via our Contact Us page or email legal@gstmunshi.com.
• Machine-Readable Structured Data: All image assets adhere to Schema.org ImageObject specifications and IPTC digital source standards, designating licensing terms, copyright notices, and license acquisition endpoints in accordance with Google Search Image Metadata guidelines.