By accessing, browsing, or using the Paykosh platform (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

Agreement to Terms

• These terms constitute a legally binding agreement between you and Paykosh Technologies Pvt. Ltd.
• If you do not agree to these terms, you must not use our services
• Your continued use of the service constitutes acceptance of any modifications to these terms
• You must be at least 18 years old or have legal capacity to enter into this agreement

Our Services

Paykosh provides bank statement analysis and financial insights through our web-based platform. Our services include:

• Bank Statement Processing: Upload and analysis of bank statements from various financial institutions
• Financial Analytics: Automated categorization, trend analysis, and financial health assessment
• Reporting Tools: Customizable reports and dashboards for business insights
• AI-Powered Insights: Machine learning algorithms for pattern recognition and anomaly detection
• Data Export: Export capabilities for further analysis or record-keeping

Service Availability

• We strive to maintain 99.5% uptime for our platform
• Scheduled maintenance will be announced in advance
• Emergency maintenance may occur without prior notice
• Service availability may vary based on your subscription plan

Service Limitations

• Analysis accuracy depends on the quality and format of uploaded bank statements
• We support major Indian banks and select international banks
• Processing times may vary based on file size and complexity
• Some features may require minimum subscription tiers

Account Security

• Maintain the confidentiality of your login credentials
• Use strong passwords and enable two-factor authentication
• Notify us immediately of any unauthorized access to your account
• You are responsible for all activities under your account
• Do not share your account with unauthorized persons

Data Accuracy

• Ensure all uploaded bank statements are authentic and unmodified
• Provide accurate business and contact information
• Update your profile information when changes occur
• Verify the accuracy of our analysis and report any discrepancies

Compliance

• Use our services only for lawful business purposes
• Comply with all applicable laws and regulations
• Respect intellectual property rights
• Do not attempt to reverse engineer or hack our platform
• Report any security vulnerabilities responsibly

You agree not to use our services for any of the following prohibited activities:

Illegal Activities

• Money laundering or terrorist financing
• Tax evasion or fraud
• Any activity that violates local, state, or federal laws
• Processing stolen or fraudulent bank statements

Platform Abuse

• Attempting to gain unauthorized access to our systems
• Uploading malicious software or viruses
• Overloading our servers with excessive requests
• Creating multiple accounts to circumvent usage limits
• Scraping or automated data extraction

Misrepresentation

• Providing false or misleading information
• Impersonating another person or entity
• Using our service to create fraudulent financial reports
• Misusing our analysis for deceptive purposes

Subscription Plans

Payment Processing

• All payments are processed in Indian Rupees (INR)
• We accept major credit cards, debit cards, and digital wallets
• Automatic renewal for subscription plans unless cancelled
• Failed payments may result in service suspension
• All prices are inclusive of applicable taxes

Price Changes

• We reserve the right to modify pricing with 30 days notice
• Existing subscribers will be notified before price changes take effect
• Annual subscribers are protected from price increases during their term
• Enterprise customers have pricing protection as per their contracts

Our Intellectual Property

• The Paykosh platform, including software, algorithms, and user interface, is our proprietary technology
• All trademarks, logos, and brand names are owned by Paykosh Technologies Pvt. Ltd.
• Our analysis methodologies and AI models are protected trade secrets
• You may not copy, modify, or distribute our proprietary technology

Your Data Rights

• You retain ownership of all bank statements and financial data you upload
• You grant us a limited license to process your data for service provision
• We do not claim ownership of your business information or insights
• You can request data deletion as outlined in our Privacy Policy

Generated Reports

• Reports and analysis generated by our platform belong to you
• You may use, share, and distribute reports as needed for your business
• You must not remove our attribution from generated reports
• Commercial redistribution of our analysis tools is prohibited

Service Disclaimers

• Our analysis is provided "as is" without warranties of any kind
• We do not guarantee the accuracy or completeness of financial insights
• Our service is for informational purposes and should not replace professional financial advice
• We are not responsible for business decisions made based on our analysis

Liability Limitations

• Our total liability is limited to the amount paid for services in the preceding 12 months
• We are not liable for indirect, consequential, or punitive damages
• We are not responsible for losses due to service interruptions or data processing errors
• Force majeure events are excluded from our liability

User Indemnification

• You agree to indemnify us against claims arising from your use of our services
• You are responsible for ensuring your data uploads comply with applicable laws
• You must defend us against claims related to your violation of these terms

Data Security

• We implement industry-standard security measures to protect your data
• All data transmission is encrypted using TLS 1.3 protocols
• Data at rest is encrypted using AES-256 encryption
• We conduct regular security audits and vulnerability assessments
• Access to your data is restricted to authorized personnel only

Data Processing

• We process your data solely for the purpose of providing our services
• Data processing is conducted in secure, certified data centers
• We do not use your data for marketing or advertising purposes
• Aggregated, anonymized data may be used for service improvement

Data Retention

• We retain your data only as long as necessary for service provision
• Data is automatically deleted after account closure (within 90 days)
• You can request immediate data deletion subject to legal requirements
• Backup data is securely destroyed according to our retention schedule

For detailed information about our data practices, please refer to our Privacy Policy.

Termination by You

• You may terminate your account at any time through your account settings
• Subscription cancellations take effect at the end of the current billing period
• You remain responsible for all charges incurred before termination
• Data export should be completed before account closure

Termination by Us

• We may suspend or terminate accounts for violation of these terms
• Immediate termination may occur for illegal activities or security threats
• We may terminate services with 30 days notice for business reasons
• Refunds for prepaid services will be provided as per our Refund Policy

Effect of Termination

• Access to the platform will be immediately revoked
• Your data will be deleted according to our retention policy
• Outstanding payments become immediately due
• Provisions regarding liability and intellectual property survive termination

Applicable Law

• These terms are governed by the laws of India
• Any disputes will be subject to the jurisdiction of courts in Jaipur, Rajasthan
• Indian law takes precedence over conflicting foreign laws
• We comply with applicable data protection and financial regulations

Dispute Resolution

• We encourage resolution through our internal grievance process first
• Mediation may be pursued before formal legal proceedings
• Arbitration may be required for certain types of disputes
• Class action lawsuits are waived to the extent permitted by law

Regulatory Compliance

• We comply with Reserve Bank of India (RBI) guidelines
• Our services adhere to Information Technology Act, 2000
• We follow data protection requirements under applicable laws
• Anti-money laundering (AML) and Know Your Customer (KYC) norms are observed

Entire Agreement

• These terms, along with our Privacy Policy, constitute the entire agreement
• Previous agreements or representations are superseded by these terms
• Modifications must be in writing and agreed upon by both parties
• Enterprise customers may have additional contractual terms

Severability

• If any provision is found unenforceable, the remainder remains in effect
• Invalid provisions will be replaced with enforceable alternatives
• The overall intent of the agreement will be preserved

Assignment

• You may not assign your rights under this agreement without our consent
• We may assign our rights in connection with business transfers
• Assignments do not affect your rights or obligations under these terms