1. Acceptance
By accessing finclartax.com, using our toolkit, subscribing to our reminders, or engaging us professionally, you accept these terms. If you don't agree, please discontinue use.
2. What we offer
Finclar is a tax & compliance practice run by our team: Ishaq Aqeel, S A Mohammed Inamul Hasan. We offer:
- Statutory and tax audit (Companies Act, Sec 44AB), handled by our audit team.
- Direct and indirect tax compliance — Income Tax, TDS, GST.
- Corporate / ROC compliance, MCA filings, secretarial work.
- Virtual CFO and advisory services.
- NRI tax, FEMA and cross-border advisory.
- Free educational tools (toolkit, calendar, insights blog, reminder service).
Services are subject to applicable Indian law and professional standards. Where conflicts exist between these terms and mandatory legal requirements, the legal requirements prevail.
3. When professional engagement starts
A client engagement begins only after both:
- An engagement letter has been signed by you and countersigned by Finclar, and
- Any hand-over required from your previous service provider (if any) has been completed.
Filling our contact form, downloading the calendar, using the toolkit, subscribing to reminders, or having a free consultation does not create an engagement, fiduciary relationship or any obligation on Finclar to act for you. You should not act on toolkit results or insights without seeking specific professional advice.
4. Toolkit & calculator disclaimers
The Finclar Toolkit (toolkit.html) contains 33+ free calculators built against Finance Act 2025 / FY 2025-26 rates. While we update regularly:
- Outputs are estimates for general guidance only.
- Tax law has nuances that no calculator captures fully (e.g. specific notifications, circulars, case law).
- Always confirm specific situations with a qualified professional — preferably us, but any will do.
- We don't guarantee accuracy and disclaim liability for decisions made solely on toolkit output.
The toolkit is offered as-is without warranty. The same applies to the compliance calendar, insights blog and reminder service.
5. Fees & payment
- Quoted prices on /pricing.html are indicative monthly retainer bands. Final fee is scoped per engagement and disclosed in the engagement letter.
- Fees are exclusive of 18% GST and any third-party charges (MCA fees, NSDL/UTITSL, courier, notary, etc.).
- Recurring retainers are invoiced monthly, payable within 7 days of invoice via NEFT / RTGS / UPI / Razorpay.
- One-time engagements (audit, ITR, 15CA/CB, etc.) are typically billed 50% on commencement, 50% on delivery.
- Late payment attracts interest at 1.5% per month from due date until clearance.
6. Your obligations as a client
For us to deliver effectively, you agree to:
- Provide accurate, complete and timely information / documents.
- Inform us promptly of changes (entity, directors, address, GSTIN, bank account).
- Co-operate with us in responding to statutory notices.
- Pay agreed fees on time.
- Not ask us to do anything that violates professional ethics, the Income-tax Act, the GST law or any other applicable law.
We reserve the right to disengage immediately and without refund if you instruct us to engage in tax evasion, false documentation, or any other illegal act.
7. Confidentiality & data
Every Finclar engagement includes a default NDA. We treat your books, financials, contracts and personal information as strictly confidential. See our Privacy Policy for full data-handling details. Retention: 8 years from engagement closure.
8. Intellectual property
- The toolkit code, insights articles, calendar content, page layouts, brand marks and copy are © 2026 Finclar, all rights reserved.
- You may quote short excerpts (under 300 words) with attribution and a backlink.
- Republishing in full, scraping the toolkit, or using our content for commercial AI training requires written permission.
- Tax / regulatory data quoted (slabs, sections, due dates) is public information and not owned by us.
- Audit reports, advice notes and other engagement deliverables remain our IP until paid in full — at which point a perpetual licence transfers to you for the agreed use.
9. Limitation of liability
Subject to applicable law:
- Our aggregate liability for any one engagement is capped at the fees paid by you for that engagement in the preceding 12 months.
- We are not liable for indirect, consequential, punitive, or third-party losses arising from advice or work product (e.g. tax penalty inflicted on you by an assessing officer based on facts you withheld).
- We are not liable for losses arising from changes in law that take effect after we delivered our work.
- Nothing here limits liability for gross negligence, fraud, or any liability that cannot be excluded under Indian law.
10. Termination
Either party may terminate an engagement with 60 days' written notice. Immediate termination is allowed for (a) material breach not cured within 14 days, (b) bankruptcy / insolvency, (c) requests to engage in illegal conduct, or (d) loss of regulatory authorisation by either party.
On termination: fees up to the termination date are payable; we hand over working papers and active filings; we co-operate with your successor service provider on the hand-over.
11. Governing law & disputes
These terms are governed by the laws of India. Disputes will be resolved by:
- Good-faith negotiation between a Finclar team member and the client's authorised representative (30 days).
- Mediation, if both parties agree.
- Failing that, exclusive jurisdiction of the courts at Chennai, Tamil Nadu.
12. Changes to these terms
We may revise these terms when regulations or our practice changes. Material changes affecting active engagements will be notified to clients by email at least 30 days in advance. Continued use of the website after changes constitutes acceptance.