Terms of Service

1. Acceptance of Terms

Welcome to Vansh Connect. These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Vansh Connect ("we," "us," or "our") governing your access to and use of the Vansh Connect platform, website, and related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

2. Description of Service

Vansh Connect is a multi-tenant family wealth management platform that enables users to:

• Create and manage a family unit with multiple members
• Store and organise financial records including bank accounts, investments, insurance policies, properties, loans, and more
• Track fixed deposits, mutual funds, stocks, SIPs, PPF, bonds, and cryptocurrency holdings
• Manage insurance policies with renewal reminders and premium tracking
• Store and manage property records, vehicle details, gold and jewellery information
• Track utility bills with auto-fetch capabilities via BBPS integration
• Upload and securely store important financial documents
• Maintain health records, vaccination history, and medical prescriptions
• Plan estate management including wills and beneficiary details
• View consolidated dashboards with financial summaries
• Receive reminders for renewals, maturity dates, and EMI payments
• Grant access to Chartered Accountants or financial advisors for professional management

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Services under applicable laws
• Provide accurate and complete registration information

If you are a Chartered Accountant or financial professional registering to manage client accounts, you must hold valid professional credentials.

4. Account Registration and Security

4.1 Account Creation

To access the Services, you must create an account by providing your name, email address, and password. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password confidential and secure
• Notify us immediately of any unauthorised use of your account
• Accept responsibility for all activities that occur under your account

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials. We recommend:

• Using a strong, unique password with at least 8 characters
• Not sharing your account credentials with others
• Logging out from shared or public devices
• Regularly reviewing your active sessions

4.3 Account Types and Roles

Vansh Connect supports the following account roles:

• Owner: The primary account holder who creates the family unit and has full administrative control
• Family Member: Users added to a family unit with configurable view/edit/delete permissions per module
• Chartered Accountant (CA): Professional accounts that can manage multiple client families with session-based context switching
• Financial Advisor: Professionals granted granular, module-level and asset-level access to client accounts

5. User Obligations and Conduct

5.1 Acceptable Use

You agree to use the Services only for lawful purposes. You agree NOT to:

• Enter false, fraudulent, or misleading financial information
• Use the platform to facilitate money laundering, tax evasion, or any illegal financial activity
• Attempt to gain unauthorised access to other users' accounts or data
• Upload malicious files, viruses, or harmful code
• Use automated tools (bots, scrapers) to access the platform without permission
• Interfere with or disrupt the Services or servers
• Share, sell, or redistribute data obtained from the platform
• Use the Services for any purpose other than personal family wealth management or authorised professional use

5.2 Data Accuracy

You are responsible for the accuracy of all financial data, documents, and information you enter into the platform. Vansh Connect is a record-keeping and organisational tool and does not verify the accuracy of user-entered data.

5.3 Consequences of Violations

Violations of these Terms may result in:

• Warning notifications
• Temporary suspension of account access
• Permanent termination of your account
• Legal action where necessary

6. Your Data and Intellectual Property

6.1 Your Data

You retain full ownership of all financial data, documents, and personal information you store on Vansh Connect. We do not claim any ownership rights over your data. We only use your data as described in our Privacy Policy to provide and improve the Services.

6.2 Document Uploads

You are responsible for ensuring you have the legal right to upload any documents to the platform. Supported file formats include PDF, JPG, and PNG (maximum 10MB per file).

6.3 Vansh Connect Intellectual Property

The Services, including all software, designs, logos, trademarks, and content created by us, are owned by Vansh Connect and are protected by intellectual property laws. You may not:

• Copy, modify, or create derivative works of the platform
• Reverse engineer or attempt to extract source code
• Remove or alter any copyright or proprietary notices
• Use Vansh Connect's branding without prior written consent

7. Subscriptions and Payments

7.1 Subscription Plans

Vansh Connect offers subscription-based access to the platform. Plan details, features, and pricing are displayed on the Pricing section of our website and may vary based on the number of family members, modules, and features included.

7.2 Payment Processing

All payments are processed securely through Razorpay. By purchasing a subscription, you agree to:

• Provide accurate payment information
• Pay all applicable fees for your chosen plan
• Authorise recurring charges if your plan includes auto-renewal

We do not store your full card details on our servers. All payment information is handled by Razorpay in compliance with PCI-DSS standards.

7.3 Billing and Renewal

• Subscriptions may auto-renew at the end of each billing cycle unless cancelled
• You can cancel your subscription at any time from your account settings
• Cancellations take effect at the end of the current billing period
• We will notify you in advance of any pricing changes

7.4 Taxes

All fees are exclusive of applicable taxes (including GST, VAT). You are responsible for paying all applicable taxes associated with your subscription.

8. Family Sharing and Access Control

8.1 Family Unit

The account owner creates a family unit and can add family members. Each member can be granted specific permissions to view, edit, or delete records within individual modules.

8.2 Professional Access

You may grant access to your financial data to Chartered Accountants or Financial Advisors through the platform. When granting professional access:

• You control which modules and assets the professional can access
• You can revoke access at any time
• The professional is bound by their own professional obligations regarding confidentiality
• Vansh Connect is not responsible for how professionals use the data you share with them

8.3 Your Responsibility

As the account owner, you are responsible for managing permissions and ensuring that access is granted only to trusted individuals. All actions performed by authorised users on your account are your responsibility.

9. Termination and Suspension

9.1 Termination by You

You may request account deletion by contacting our support team. Upon deletion, your data will be handled in accordance with our Privacy Policy.

9.2 Termination by Vansh Connect

We may suspend or terminate your account for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of subscription fees
• Business reasons at our discretion

9.3 Effects of Termination

Upon termination, your access to the Services will cease. Your data may be retained as required by law or deleted in accordance with our data retention policies.

10. Disclaimers

Vansh Connect does not warrant that:

• The Services will be uninterrupted, secure, or error-free at all times
• Third-party market data (stock prices, mutual fund NAVs) will always be accurate or available in real-time
• Utility bill auto-fetch features will always retrieve accurate or complete information
• The platform will be compatible with all devices or browsers

You acknowledge that:

• You are solely responsible for the accuracy of the data you enter
• Vansh Connect is not a substitute for professional financial, legal, or tax advice
• Investment and financial decisions should be made in consultation with qualified professionals
• We are not responsible for any financial losses arising from decisions made based on data stored on the platform

11. Limitation of Liability

Our total liability for any claims relating to the Services shall not exceed the amount you paid to Vansh Connect in the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Modifications to Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Posting the updated Terms on this page with a new "Last Updated" date
• Sending an email notification to your registered email address for significant changes

Your continued use of the Services after the revised Terms take effect constitutes your acceptance of the changes. If you do not agree, you must stop using the Services.

13. Contact Information

If you have any questions or concerns regarding these Terms, please contact us:

Additional Provisions

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Vansh Connect concerning the Services.

Force Majeure

Vansh Connect shall not be liable for any failure to perform its obligations where such failure results from circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, pandemics, or infrastructure failures.

By using Vansh Connect, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.