Version 2026-05-01 · Effective from 2026-05-01
These Terms govern your use of FinFy operated by Demystify Systems LLP at finfy.dmstfy.com. By using the app you agree to these Terms.
1. Scope and eligibility
FinFy is a personal-finance and book-keeping tool aimed at freelance consultants in India. You must be at least 18 years old and capable of forming a binding contract under Indian law.
2. Your account
You are responsible for keeping your password safe. You are responsible for all data you enter into the app and for ensuring you have the right to enter it.
3. Acceptable use
Don't use the app to break the law, infringe someone else's rights, abuse our infrastructure, or attempt to access other users' data.
4. FinFy is not a financial, tax, or legal advisor
FinFy provides estimates, summaries, and templates. Any tax estimates, GST calculations, or financial summaries shown in the app are indicative only. You must verify them with a qualified Chartered Accountant or tax advisor before filing or paying anything. Demystify Systems LLP has no liability for any decision you make based on the app's output.
5. UPI and payment links — FinFy is not a payment service provider
When you generate a UPI QR or deep-link from the app, the link points to your own UPI VPA. Payments flow directly between your client's UPI app and your own bank account. FinFy (and Demystify Systems LLP) at no point holds, routes, or settles funds. We are not registered as a Payment Aggregator, Payment System Operator, or Prepaid Payment Instrument issuer with the Reserve Bank of India.
6. Intellectual property
The app, brand, logo, and code are owned by Demystify Systems LLP. Your data is yours; you grant us a limited licence to store and process it solely to operate the service for you.
7. Limitation of liability
To the maximum extent permitted by Indian law, Demystify Systems LLP's total aggregate liability arising out of or relating to the app is limited to the greater of: (a) ₹5,000, or (b) the fees you paid Demystify Systems LLP in the 12 months preceding the claim. We exclude liability for indirect, incidental, special, consequential, or punitive damages.
8. Indemnity
You agree to indemnify Demystify Systems LLP against any third-party claim arising from your use of the app or your data, except where the claim arises from our gross negligence or wilful misconduct.
9. Termination
You can stop using the app and delete your account anytime. We may suspend an account that violates these Terms.
10. Governing law and disputes
These Terms are governed by the laws of India. Any dispute will be resolved by arbitration seated in Hyderabad / Bengaluru, in English, by a sole arbitrator appointed by Demystify Systems LLP, subject to the Arbitration and Conciliation Act 1996.
11. Changes
We may revise these Terms. If we do, we'll re-prompt you to accept on next login.
12. Contact
Demystify Systems LLP · support@dmstfy.com