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, and business reports compilation tools. By registering an account, purchasing any SaaS plan, or accessing any part of our platform, 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, you must not use our software or register an account. We reserve the right to modify these terms from time to time by posting updates on this page.

2. Legal Entity & Ownership

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

For any query regarding this agreement, you can contact our helpdesk at support@gstmunshi.com.

3. User Registration, OTP & Account Security

To utilize the services, you must register a valid account using a mobile number and receive a secure One-Time Password (OTP). You agree to provide accurate and updated business particulars, including but not limited to your legal business name, GSTIN (optional for non-GST users), state, and email address.

You are solely responsible for all activities occurring under your registered account. Sharing your login OTPs with unauthorized third parties is strictly prohibited and GSTMunshi holds zero liability for any data breach, unauthorized billing, or loss arising from client negligence.

4. Billing, SaaS Plans & Payment Gateways

GSTMunshi offers a Free Tier with transaction limits, as well as premium paid subscription plans (SaaS) with enhanced billing, multi-user access, and priority report compilations.

By opting for a paid plan, you agree to pay the monthly, quarterly, or annual subscription fees as advertised. Payments are securely processed through integrated third-party payment gateways (including but not limited to Razorpay, Cashfree, Paytm, and similar authorized providers). GSTMunshi does not store your debit/credit card credentials, netbanking passwords, or UPI PINs.

5. Refund & Cancellation Policy

Paid subscriptions may be cancelled by the user at any time from the account settings. Upon cancellation, the premium features will remain active until the end of the current billing cycle, after which the account will revert to the standard Free Tier limits.

As we provide a fully functional Free Tier for users to evaluate the software before upgrading, refunds for premium upgrades are subject to a **7-Day Money-Back Guarantee** from the initial date of purchase. Refund requests raised after 7 days are not eligible for refunds. Refunds will be processed back to the original source payment method within 5-7 business days of request approval.

6. Mode of Delivery of Service (SaaS Delivery)

GSTMunshi is a cloud-based software service (SaaS). Upon successful processing of subscription fees, the premium plan benefits (e.g., unlimited invoice generation, multiple company management) are **activated instantly** on the user's account.

No physical components, CDs, keys, or boxed packages are shipped or delivered. The delivery of services is entirely digital and accessible via web browser and authorized devices.

7. GST Compliance & Accounting Liability Disclaimer

GSTMunshi provides tax invoice calculation tools, HSN/SAC databases, GSTR-1, and GSTR-3B summary compilation features as a helper software. All calculations (such as CGST, SGST, IGST rates and tax amounts) are derived strictly from the values, tax percentages, and HSN classes entered by you.

It is the User's absolute duty to verify the correctness of all invoices, customer ledgers, and GSTR returns before filing them with the GST portal. GSTMunshi does not guarantee official tax acceptance and is not liable for penalties, fines, interest, or regulatory actions resulting from filing incorrect records compiled by our platform. You are advised to consult a certified Chartered Accountant (CA) or tax professional for auditing your final books.

8. Prohibited Conduct

You agree not to use our platform to generate invoices for illegal goods, money laundering, tax evasion, fraud, or upload offensive material in the customer list or item registry. Any suspicious or illegal invoice trails will lead to immediate account suspension and reporting to respective regulatory and law enforcement agencies.

9. Limitation of Liability

In no event shall GSTMunshi, its operators, employees, or associates be liable for any direct, indirect, incidental, or consequential damages (including loss of business data, profits, goodwill, or audit penalties) arising out of the use or inability to use our servers. Our maximum aggregate liability under any circumstance is strictly capped at the total subscription fees paid by you to GSTMunshi in the 3 months preceding the event of claim.

10. Governing Law & Jurisdiction

These Terms of Service shall be governed by, construed, and enforced in accordance with the laws of the Republic of India. Any disputes, claims, or legal actions arising out of these terms shall be subject to the exclusive jurisdiction of the competent courts in New Delhi, India.