YOUR RSU TAXES, CALCULATED IN MINUTES.

This Privacy Policy describes how Finogic Advisors Private Limited ("GainSutra", "we", "us", or "our") collects, uses, and protects information in connection with your use of the GainSutra platform and services ("Services"). By using our Services, you agree to the practices described in this Policy.

1. Information We Collect

1.1 Information You Provide

When you create an account or use our Services, we may collect:

• Account Information: Your name, email address, and billing information provided at registration.
• Payment Information: Payment details processed through our payment gateway when purchasing a subscription or Day Pass. We do not store full payment card details on our servers — this is handled by our payment processor.
• Communications: Name, email, and other information you provide when contacting us for support.

1.2 Information We Do NOT Collect

GainSutra is built on a privacy-first, client-side architecture. We specifically do not collect:

• The contents of any broker PDF statements you upload.
• Any RSU transaction data, capital gains figures, or Schedule FA outputs generated through the tool.
• Your clients' financial data, personal information, or tax details.
• Usage analytics, IP addresses, device information, or access logs.
• Browsing behaviour or page interaction data.

All PDF parsing and tax calculations are performed locally in your browser. No financial or client data ever leaves your device.

2. How We Use Your Information

The limited information we collect is used solely for:

• Account Management: Creating and maintaining your account, managing authentication, and providing access to subscribed features.
• Billing and Payments: Processing subscription payments and Day Pass purchases, and maintaining transaction records as required by law.
• Communication: Responding to support requests, sending account-related notifications, and informing you of material changes to the Services or these policies.
• Legal and Regulatory Compliance: Meeting applicable legal, tax, and regulatory obligations under Indian law.
• Security: Protecting the integrity of your account and the Services against unauthorized access or fraud.

We do not use your information for advertising, profiling, or sale to third parties.

3. Third-Party Services

3.1 Supabase (Authentication)

GainSutra uses Supabase as its authentication provider. When you create an account, your email address and account credentials are stored securely on Supabase's infrastructure. Supabase is SOC 2 compliant and processes data in accordance with its own privacy policy. We do not share any financial or client data with Supabase — only the minimum information required for authentication.

3.2 Payment Gateway

Subscription and Day Pass payments are processed through a third-party payment gateway. When you make a payment, your payment details are submitted directly to the payment processor and are not stored on GainSutra's servers. The payment processor operates under its own privacy and security policies.

3.3 No Other Third-Party Sharinses. We do not use Google Analytics, Facebook Pixel, or any other tracking or advertising tools.

3.4 Legal Requirements

We may disclose your information if required to do so by law, court order, or government authority, or where we believe disclosure is necessary to protect our rights or the safety of our users.

4. Data Security

We implement appropriate technical and organizational safeguards to protect the personal information we hold. This includes secure transmission protocols, access controls, and use of trusted third-party infrastructure (Supabase). However, no system is 100% secure. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

5. Your Privacy Rights

• Access: You may request a copy of the personal information we hold about you by contacting us at gainsutra@gmail.com.
• Update: You may update your account information directly through your account settings or by contacting us.
• Delete: You may request deletion of your account and all associated personal data at any time by emailing gainsutra@gmail.com. Upon verified request, all your account data will be permanently deleted immediately. Note: We may retain certain information as required by applicable law or for legitimate business purposes such as fraud prevention.
• Withdraw Consent: Where processing is based on your consent, you may withdraw consent at any time by contacting us. Withdrawal will not affect the lawfulness of any processing carried out prior to withdrawal.

6. Data Retention

We retain your account information for as long as your account is active or as needed to provide you with the Services. If you delete your account, all associated personal data is permanently deleted immediately. Financial transaction records may be retained for the period required under applicable Indian tax and accounting laws.

7. Children's Privacy

GainSutra is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will delete it immediately. If you believe this has occurred, please contact us at gainsutra@gmail.com.

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any material changes by email or through a notice on the Services. The updated Policy will be effective immediately upon posting. We encourage you to review this Policy periodically.

9. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising in connection with this Policy shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact us at:

This document ("Agreement") sets forth the terms and conditions for your access to and use of the GainSutra platform and services, including our RSU tax calculator, Schedule FA export tools, and related features ("Services"), owned and operated by Finogic Advisors Private Limited ("GainSutra," "we", "us", or "our"). By accessing or using the Services, you acknowledge and agree to be bound by these Terms.

1. Account & Access

1.1 Eligibility

You must be at least 18 years old and legally competent to enter into contracts. If using the Services on behalf of an entity such as a CA firm, you represent that you have authority to bind that entity to these Terms.

1.2 Registration and Account

To access premium features, you may be required to create an Account. GainSutra processes all uploaded PDF documents and calculations entirely client-side (in-browser). No client financial data is transmitted to or stored on our servers. You are solely responsible for the accuracy of the data you upload.

1.3 Prohibited Usage

You agree not to:

• Use the Services for tax evasion, misrepresentation of income, or fraudulent filings.
• Use GainSutra to manipulate or falsify any financial data or tax computations.
• Violate any applicable law including taxation, intellectual property, privacy, and data security laws.
• Interfere with or disrupt the Services or connected servers or networks.
• Reverse engineer, decompile, or extract source code from any part of the Services.
• Use automated means to access the Services unless explicitly permitted.

1.4 Multi-Login and Account Sharing

GainSutra prohibits sharing of Account credentials. Each Account is for use by a single authorized user only. Violation may result in immediate Account termination.

2. Subscription & Payments

2.1 Subscription Plans

GainSutra offers subscription plans that are updated from time to time. The current plans, features, and pricing are always published on our website at www.gainsutra.com. By subscribing, you agree to the plan details as listed at the time of purchase. We reserve the right to modify, add, or remove plans or pricing at any time with notice to active subscribers.

2.2 Payment and Billing

Annual subscriptions renew automatically on the anniversary of your purchase date. Day Pass purchases are one-time, non-recurring charges for 24-hour full access. Late payments may result in suspension or cancellation of access.

3. CA Professional Use & Client Responsibility

3.1 CA Responsibility for Client Filings

Where GainSutra is used by a Chartered Accountant or tax professional on behalf of a client, the CA is solely responsible for reviewing and verifying all outputs before filing, ensuring compliance with all applicable laws, and the accuracy of all data uploaded. GainSutra does not audit or validate any filing made using its outputs.

3.2 Client Consent for Data Processing

CAs using GainSutra to process client data represent that they have obtained explicit informed consent from the client, and that the client has been informed that all computation is performed locally in-browser with no data transmitted to GainSutra servers.

3.3 No CA-Client Relationship with GainSutra

Use of GainSutra does not create any professional, advisory, or fiduciary relationship between any user or their clients and Finogic Advisors Private Limited. GainSutra is a computation tool only.

4. Service Availability

4.1 Uptime

We make every effort to keep the Services available but do not guarantee continuous availability or uptime. Occasional interruptions may occur due to maintenance, updates, or factors beyond our control.

4.2 Beta & Early Access

Certain features may be released in beta form on an as-is basis without warranty. We reserve the right to modify or discontinue beta features at any time. Do not rely on beta outputs for live tax filings without independent verification.

5. Intellectual Property

All content, trademarks, software, designs, and features of the Services are owned by Finogic Advisors Private Limited or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services for personal or professional purposes only. You may not copy, reproduce, or create derivative works from any part of the Services.

6. Data, Accuracy & Disclaimers

6.1 Broker PDF Format Disclaimer

GainSutra's PDF parser supports statements from Fidelity, Schwab, Morgan Stanley, E*TRADE, Computershare, and EquatePlus. Brokers may update their formats at any time. GainSutra does not guarantee parsing accuracy for all current or future formats. Users must review all extracted data before use in any tax filing.

6.2 SBI TT Rate Disclaimer

Historical SBI TT buying rates used by GainSutra are sourced from publicly available data. We do not guarantee these rates are identical to official SBI or RBI records for any given date. Users are solely responsible for verifying applicable rates against official SBI records before relying on any INR conversion output for tax filing. GainSutra shall not be liable for any tax liability, penalty, or interest arising from rate discrepancies.

6.3 Output Accuracy

All outputs including capital gains calculations, Schedule FA tables, and INR conversions are provided for computation-assistance purposes only and do not constitute professional tax advice. Users are solely responsible for verifying all outputs before filing.

7. Refund Policy

7.1 General Policy

GainSutra generally does not offer refunds for subscription fees or one-time payments due to the digital nature of the Services.

7.2 Exceptions

Refunds may be considered at our sole discretion in cases of:

• Extended core platform downtime due to a fault on our part.
• Fundamental malfunction of a core feature that we cannot resolve within a reasonable timeframe.
• Rare unforeseen technical issues entirely outside our control.

7.3 Refund Procedure

Submit a written request to gainsutra@gmail.com within 30 days of the issue, including dates, feature affected, and nature of the problem. Supporting screenshots may be required.

7.4 No Refunds For

• Change of mind or decision to stop using the Services.
• Incorrect plan selection or user error.
• Parsing errors from unsupported or changed broker PDF formats.
• SBI TT rate discrepancies.
• Lack of desired tax outcome from using the tools.
• Violation of these Terms.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINOGIC ADVISORS PRIVATE LIMITED WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FROM PARSING ERRORS, SBI TT RATE DISCREPANCIES, INCORRECT TAX COMPUTATIONS, OR RELIANCE ON OUTPUTS FOR TAX FILINGS. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

10. Contact Us

11. General Provisions

These Terms constitute the entire agreement between you and GainSutra. If any provision is held invalid, the remaining provisions remain in full force. We reserve the right to modify these Terms at any time — continued use of the Services constitutes acceptance of revised Terms.