Terms of Service
Last updated: March 2026 · Effective for all users registering from March 2026
1. Acceptance of Terms
By accessing or using Complifile ("the Platform", "we", "us"), whether as a Chartered Accountant (CA) or Business Owner, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Platform.
These terms constitute a legally binding agreement between you and Complifile. By clicking "I agree" or creating an account, you confirm that you have read, understood, and accepted these terms.
2. Service Description
Complifile is a compliance tracking and document management platform designed for Indian Micro, Small and Medium Enterprises (MSMEs) and their Chartered Accountants. The Platform provides:
- Automated compliance calendars for GST, TDS, PF/ESI, and ROC filings
- Secure cloud document storage and management
- CA-client collaboration tools
- Email deadline reminders (on paid plans)
- Compliance health analytics and reporting
Important: Complifile is a compliance tracking tool only. It does not constitute chartered accountancy, legal, tax, or financial advice. All filing obligations and their accuracy remain the sole responsibility of the user and/or their appointed CA. Complifile shall not be liable for any missed filings, penalties, or non-compliance arising from use of the Platform.
3. User Eligibility & Registration
You must be at least 18 years of age and legally capable of entering into a binding contract under applicable Indian law to use this Platform.
When creating an account, you agree to:
- Provide accurate, current, and complete information
- Keep your account credentials confidential
- Notify us immediately of any unauthorised use of your account
- Not share your account with any third party
4. CA Account Terms
If you register as a Chartered Accountant, you additionally agree that:
- You hold a valid ICAI membership and are in good standing
- You will only access client data for clients who have explicitly linked you on the Platform
- You will comply with ICAI's Code of Ethics and professional standards at all times
- You will not use client data for any purpose other than providing professional services to that client
- You are responsible for the accuracy of compliance deadlines and tasks you create for clients
CA accounts are free forever. You are responsible for providing accurate professional details while using the platform.
5. User Obligations
All users agree not to:
- Upload false, misleading, or fraudulent documents
- Use the Platform for any unlawful purpose under Indian law
- Attempt to gain unauthorised access to any part of the Platform or other users' data
- Reverse-engineer, copy, or reproduce any part of the Platform
- Use automated scripts, bots, or scrapers against the Platform
- Impersonate any person or entity
6. Subscriptions & Payments
Business Owner paid plans (Pro and Enterprise) are billed annually via Razorpay, a licensed payment aggregator in India registered with the Reserve Bank of India.
- All prices are in Indian Rupees (INR) and inclusive of applicable GST
- Subscriptions activate immediately upon successful payment confirmation
- Complifile does not store card or UPI details - all payment data is handled exclusively by Razorpay
- In case of payment failure, access is automatically downgraded to the Free plan
- CA Scan add-on plans (Basic, Pro, Unlimited) are also billed via Razorpay and subject to this same policy
6A. Refund Policy - No Refunds Under Any Circumstances
ALL SALES ARE FINAL. BY COMPLETING ACCOUNT REGISTRATION ON COMPLIFILE, YOU EXPLICITLY ACCEPT THESE TERMS OF SERVICE - INCLUDING THIS NO-REFUND POLICY - VIA THE MANDATORY CONSENT CHECKBOX PRESENTED DURING SIGNUP. THIS CONSTITUTES A LEGALLY BINDING WAIVER OF ANY REFUND CLAIM.
Complifile operates a strict no-refund policy for all paid subscriptions and one-time payments. Once a payment is successfully processed, no refund will be issued under any circumstances, including but not limited to:
- Change of mind after purchase - you had full opportunity to review the Platform on the Free plan before upgrading
- Accidental purchase - it is your responsibility to confirm the correct plan before completing payment
- Non-usage or partial usage of the subscription period
- Dissatisfaction with features, AI accuracy, or service performance
- Technical issues on the user's device, internet connection, or third-party integrations
- Business closure, change of CA, or other circumstances on the user's side
- Subscription renewed without cancellation before the renewal date
- Early account deletion or termination at the user's request
- Suspension of the account due to violation of these Terms
Chargeback & Dispute Notice: Initiating a chargeback or payment dispute with your bank or card issuer for a valid Complifile charge constitutes a material breach of these Terms. Complifile reserves the right to immediately suspend your account upon receipt of a chargeback, pursue recovery of the disputed amount plus applicable fees, and report the dispute to Razorpay and relevant authorities.
Single Exception: In the event of a confirmed duplicate payment for the exact same subscription (i.e., you were charged twice for the same order ID), Complifile will issue a refund for the duplicate charge only. Contact complifile@gmail.com within 48 hours of the duplicate charge with your payment reference IDs.
7. Data & Privacy
Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
In summary:
- Your data is stored securely on servers located in India
- We do not sell your personal data to third parties
- Documents you upload are encrypted at rest and in transit
- CA users can only access data of clients who have explicitly granted them access
8. Intellectual Property
All content, design, code, and trademarks on the Platform are the intellectual property of Complifile. You may not reproduce, distribute, or create derivative works without express written permission.
You retain ownership of all documents and data you upload. By uploading, you grant Complifile a limited licence to store and display that content to you and your linked CA.
9. Limitation of Liability
To the maximum extent permitted under applicable law:
- Complifile is not liable for any missed filings, GST penalties, ROC fines, or non-compliance consequences arising from use or non-use of the Platform
- Complifile is not liable for any indirect, incidental, or consequential damages
- Our total liability to you shall not exceed the amount paid by you to Complifile in the 3 months preceding the claim
10. Account Termination
Complifile may suspend or terminate your account without notice if you:
- Breach any of these Terms
- Engage in fraudulent or illegal activity
- Fail to pay subscription fees
- Are found to have provided false information during registration
You may delete your account at any time by contacting support. Upon deletion, your data will be removed within 30 days except where retention is required by law.
11. Modifications to Terms
We reserve the right to update these Terms at any time. Material changes will be notified via email or an in-app notice at least 14 days before taking effect. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.
12. Governing Law & Dispute Resolution
These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.
Before initiating legal proceedings, both parties agree to attempt resolution through good-faith negotiation for at least 30 days.
13. Contact Us
For any questions regarding these Terms, contact us at: