Terms & Conditions

Last updated: 29 August 2026

1. Who we are

KarSahayta is operated by a sole proprietorship registered in Mumbai, Maharashtra, India (Udyam registration UDYAM-MH-19-0451942), at Goregaon West, Mumbai 400104. In these terms, "we", "us" and "KarSahayta" mean that proprietorship. "You" means the person using the service.

2. What the service does

KarSahayta operates primarily through WhatsApp. It can read documents you send it, calculate tax positions, compare the old and new tax regimes, identify deductions you may have missed, and remind you of statutory deadlines.

The service is a preparation and assistance tool. Specifically, it does not:

• Act as your chartered accountant or authorised representative
• Provide financial, investment, or legal advice
• File any return or make any payment without your explicit confirmation
• Guarantee any particular tax outcome, refund, or saving

3. Your account

Your account is identified by your WhatsApp phone number and verified by a one-time password. You are responsible for keeping access to that number secure. If you lose control of the number, contact us immediately so we can suspend the account.

You must be at least 18 years old and using the service for your own tax affairs or for a business you are authorised to represent.

4. Trial and paid plans

New users receive a 30-day trial. Trial places are limited to 1,000 per calendar month; if the month's places are taken, you can either start a paid plan immediately or wait for the next month.

When a trial ends, your account becomes read-only. Your existing documents and calculations remain visible and are not deleted, but new documents cannot be processed and new tax questions cannot be answered until you start a paid plan.

Paid plans are billed annually in advance. Prices are shown on our pricing page and are inclusive of applicable taxes unless stated otherwise. We may change prices for future billing periods with notice; a price change never applies to a period you have already paid for.

5. Your responsibilities

Tax liability is yours. You are responsible for:

• Giving us accurate and complete information
• Reviewing every calculation before you act on it
• Confirming each filing or payment yourself
• Meeting your own statutory deadlines

We will tell you what we think the position is. Checking it, and deciding what to do, remains yours.

6. Accuracy and limits of the service

We build our calculations on the Income Tax Act 1961 and associated rules as we understand them, and we update the service as law changes. We do not warrant that every calculation is correct in every case. Tax law is complex, fact-specific, and frequently amended.

Where a matter is beyond what the software should handle — statutory audit, company law, international taxation, litigation — we will tell you so and, if you want, connect you with a chartered accountant from our partner network. Those CAs are independent professionals; we are not responsible for the advice they give or the work they do, and their fees are a matter between you and them.

7. Limitation of liability

To the maximum extent permitted by Indian law, our total liability to you for any claim arising out of or relating to the service is limited to the amount you paid us in the twelve months before the claim arose. If you were on a free trial, that amount is zero.

We are not liable for indirect or consequential loss, including lost profits, lost business, or penalties and interest levied by a tax authority, except where such loss is caused by our own fraud or wilful misconduct.

This limit is a deliberate part of how the service is priced. We charge a fraction of professional fees, and in exchange the responsibility for reviewing and confirming your own filings stays with you.

8. Acceptable use

You may not use KarSahayta to file false returns, conceal income, or misrepresent facts to any tax authority. You may not attempt to disrupt the service, access other users' data, or resell the service without our written agreement. We may suspend or terminate an account that does any of these.

9. Ending the relationship

You can stop using the service at any time. Sending STOP on WhatsApp begins our data deletion process, described in our Privacy Policy.

We may terminate or suspend your account for breach of these terms, for non-payment, or if we stop offering the service. If we discontinue the service entirely, we will give you reasonable notice and a pro-rata refund of any unused prepaid period.

10. Changes to these terms

We may update these terms. We will post the revised version here with a new "last updated" date, and for material changes we will notify you on WhatsApp. Continuing to use the service after a change means you accept the revised terms.

11. Governing law

These terms are governed by the laws of India. Courts at Mumbai, Maharashtra have exclusive jurisdiction over any dispute, subject to the grievance process in our Contact page, which we ask you to use first.