Terms of Service

Finachiva is a personal financial tracking and record-keeping service. It helps you record your investments, savings, loans and financial goals and view their combined value over time. Values may be calculated using information you provide, published market prices and rates, including government-notified interest rates that we record, and other calculation assumptions disclosed in the service. Finachiva does not provide investment recommendations or execute financial transactions on your behalf.

You must be at least 18 and using the service from India for personal, non-commercial use.

Provide accurate information, keep your password and two-factor device secure, and don't share your account. You are responsible for activity under your account. Tell us at support@finachiva.com if you suspect unauthorised access.

Don't misuse the service — no unlawful use, no attempts to breach security, no scraping or automated bulk access, and no reselling access without permission.

The Services — the software, interface, design, text, and the Finachiva name and branding — belong to Finachiva Enterprise or its licensors. While these terms are in force you have a personal, non-exclusive, non-transferable, revocable right to use the Services for your own personal use, and nothing more is granted to you.

Except where mandatory law permits otherwise, do not copy, modify, distribute, reverse-engineer, or create derivative works from the Services. The data you enter remains yours — see section 8.

We aim to keep Finachiva available, but we do not guarantee uninterrupted or error-free operation. Access may be suspended for maintenance, security, or reasons outside our reasonable control, and we may add, change, or withdraw features over time.

For support, write to support@finachiva.com. Finachiva will endeavour to acknowledge support requests within 48 hours and will use reasonable efforts to investigate and address substantiated issues within a reasonable period, having regard to their nature and complexity.

What happens to a paid plan if we change or discontinue the Services is set out in the Subscription & Refund Policy.

Paid plans and one-time packs are billed in INR through our payment processor, at a single all-inclusive price: the amount shown is the final amount payable. Pro is offered as a fixed-period plan that does not auto-renew. Current prices for the Pro plans are shown on the pricing section of our home page; a one-time pack is priced on the Billing page inside the app, where it is offered. In both cases the amount payable is the one shown at checkout before you confirm. We may change prices or plans with prior notice, and a change never affects a paid period already running.

What a plan includes applies to an account whatever caused it to hold more — a paid period ending, a refund, or a refunded capacity pack. What can and cannot be done while an account holds more than its plan includes is set out in the Subscription & Refund Policy.

Complimentary access. Finachiva may, at its discretion, grant you access to Pro features for a specified period without payment. Such access is complimentary, does not constitute a paid subscription, and does not automatically renew or create any payment obligation. Finachiva may specify or communicate the start and end dates of the complimentary period. When the period ends, access to Pro features will end and your account will be subject to the applicable Free plan limits and restrictions described in these Terms and the Subscription & Refund Policy.

The full commercial terms — price and taxes, the subscription period, when access starts and expires, renewal, failed payments, cancellation, and when a refund is available — are in the Subscription & Refund Policy, which forms part of this Agreement.

Your portfolio data is yours. Our Privacy Policy explains how we handle it, how long we keep it, and how to have it deleted. You can export it any time.

Importing mutual-fund holdings from a statement. You may choose to upload a password-protected consolidated account statement supplied by your mutual-fund registrar to help add your holdings and transactions to Finachiva. You are responsible for providing the correct statement and password and reviewing the information extracted before choosing which entries to add. Finachiva processes the statement to prepare those entries for your review and does not retain the uploaded statement or the password after processing. Only the entries you choose to add are saved to your account. The import feature does not guarantee that every statement format or entry will be read correctly.

You may close your account at any time. We may suspend or terminate access where reasonably necessary because you materially breach these Terms, use the Services unlawfully, create a security or fraud risk, or where suspension or termination is otherwise permitted or required by applicable law.

We may also delete an account on the Free plan that has not been used for the period the Privacy Policy states, after the notices it describes.

A paid plan simply expiring is not termination: nothing is deleted by the expiry itself. The account is then on the Free plan, and the inactive-account rule in the Privacy Policy can later apply to it, with the longer notice period that policy gives an account that has had a paid Pro period. What access remains after expiry is described in the Subscription & Refund Policy.

Prices are end-of-day values sourced from third-party market-data providers (covering listed securities, mutual-fund NAVs, pension-scheme NAVs and precious-metal reference rates). They may be delayed, carried forward from the last available close, or based on valuations you enter yourself, and are not real-time or guaranteed accurate or complete. Where no price has been published for an instrument, a holding is shown at your purchase cost and marked as being at cost. Verify values with your broker, AMC, and official sources before acting on them.

Values displayed by Finachiva are estimates for tracking and informational purposes. They may be based on information and assumptions you provide, published market prices and rates, including government-notified scheme interest rates recorded by Finachiva, and other disclosed calculation methods. Finachiva does not independently determine or guarantee the accuracy of published prices or rates. Values may differ from the amounts actually payable or receivable, and may not reflect all applicable conditions, eligibility requirements, tax treatment or withdrawal restrictions.

Government-notified scheme interest rates are applied according to their notified effective dates. Rates that have been announced but not yet officially notified are not treated as confirmed rates in the principal valuation of your holdings.

The availability of a security, fund, instrument or price within Finachiva does not constitute a recommendation, endorsement or solicitation to transact in that instrument.

Finachiva does not independently verify every market-data value against the issuer, exchange, AMC, broker, or other official source before displaying it.

The service is provided “as is”, without warranty of accuracy, completeness, or availability, to the extent applicable law allows a warranty to be excluded.

Your investment decisions are yours. You are solely responsible for your investment decisions and for verifying information before acting on it. Finachiva does not execute transactions and does not make investment decisions on your behalf.

Market and third-party data. Finachiva does not guarantee the accuracy, completeness, timeliness or availability of third-party market data, and is not responsible for losses caused solely by market movements or by inaccurate, delayed or unavailable third-party data, subject to applicable law.

The limits on what Finachiva can be liable for — and the liabilities that cannot lawfully be limited — are in section 12.

12.1 Aggregate Liability. To the maximum extent permitted by applicable law, the aggregate liability of Finachiva arising out of or in connection with this Agreement, the Services, or any related matter, whether in contract, tort (including negligence), statute, or otherwise, shall not exceed the total fees actually paid or payable to Finachiva under this Agreement during the twelve (12) months immediately preceding the event giving rise to the relevant claim.

12.2 Exclusion of Certain Losses. To the maximum extent permitted by applicable law, Finachiva shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunity, anticipated savings, goodwill, or data, arising out of or in connection with this Agreement or the Services, whether or not such loss was foreseeable or Finachiva had been advised of the possibility of such loss.

12.3 Exceptions. The limitations and exclusions in this Section shall apply to the maximum extent permitted by applicable law. Nothing in this Section shall exclude or limit any liability of Finachiva to the extent that such liability cannot lawfully be excluded or limited, including liability arising from fraud or fraudulent misrepresentation, wilful misconduct, death or personal injury where applicable law does not permit that liability to be limited, or any other liability that applicable mandatory law requires to remain unlimited. Nothing in this Section limits any statutory consumer right or remedy that cannot lawfully be excluded or limited.

12.4 Aggregate Application. The liability cap in Section 12.1 applies to the aggregate liability of Finachiva arising from all claims connected with this Agreement and is not intended to create a separate liability cap for each individual claim, incident, or cause of action, except where this Agreement expressly provides otherwise.

13.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws principles.

13.2 Jurisdiction. Subject to Section 13.3, the courts having competent jurisdiction in Chennai, Tamil Nadu, India shall have exclusive jurisdiction over any dispute, claim, or proceeding arising out of or in connection with this Agreement, including its formation, validity, interpretation, performance, breach, or termination.

13.3 Mandatory-Law Carve-Out. Nothing in this Section shall prevent either party from exercising any right, seeking any remedy, or commencing proceedings in any court or forum where such right, remedy, or jurisdiction cannot lawfully be excluded or restricted under applicable mandatory law. To the extent mandatory law requires a dispute, claim, or proceeding to be brought before a different court, tribunal, authority, or forum, this Section shall be interpreted accordingly.

14.1 Form of Notice. Any notice, request, demand, consent, approval, or other communication required or permitted under this Agreement (a “Notice”) shall be made in writing and delivered to the applicable party using the contact details specified in this Agreement or subsequently notified in accordance with this Section.

14.2 Permitted Delivery Methods. A Notice may be delivered by: (a) personal delivery; (b) recognised courier service; (c) registered post or other legally recognised postal service; or (d) email to the designated email address of the receiving party.

14.3 Deemed Receipt. Unless applicable law requires otherwise: (a) a Notice delivered personally shall be deemed received upon delivery; (b) a Notice delivered by courier shall be deemed received upon recorded delivery; (c) a Notice sent by registered post shall be deemed received on the date recorded as delivered by the postal service; and (d) a Notice sent by email shall be deemed received when transmitted, provided that the sender does not receive an automated or other notification indicating that the email was not successfully delivered. If an email is sent outside the recipient's normal business hours, it shall be deemed received on the next business day.

14.4 Change of Contact Details. Either party may change its address, email address, or other contact details for Notices by giving written Notice to the other party in accordance with this Section.

14.5 Legal Requirements. Nothing in this Section shall prevent or restrict either party from using any additional method of service or delivery where applicable mandatory law requires or permits such method.

Finachiva's details for Notices. Email: support@finachiva.com. Postal address: Subramani Street, Keelkattalai, Chennai 600117. Your details for Notices are the email address on your account and any postal address you give us.

We may update these terms. Each revision carries a version number, shown at the top of this page; when a change is material we raise that version and ask you to accept the new terms the next time you sign in.

Questions: support@finachiva.com.