Terms of Service and Privacy Policy

The website “www.finmart.com” is an online information and service provider. The information and services provided by www.finmart.com (the “website”), can be used subject to conformity of the terms and conditions as mentioned below. Please read the Terms of Service and Policy carefully before approaching or utilizing the website. By approaching or utilizing the website, you agree to be bound by the terms and conditions as mentioned below. If you do not wish to be bound by these Terms of Service and Policy, you may not approach or utilize the services of the website. www.finmart.com may alter these Terms of Service and Policy at any time, and such alterations shall be effective, without delay, upon posting of the altered agreement on the website. You consent to review the agreement, at times, to be aware of such alterations and shall be believed as your presumed approval of the altered agreement.

1. Copyright and Trademark
The complete contents of the website are protected by national and international copyright and trademark laws. The owner of the copyrights and trademarks are FINMART ADVISORY PVT. LTD., its affiliates or other third party licensors. You shall not change, copy, reproduce, republish, upload, post, transmit, or distribute, in any manner, the information on the website, including text, graphics, code etc. You may print and download certain parts of information from the different pages of the website only for your own non-commercial use provided that you accept not to change or delete any copyright information. You agree to grant to www.finmart.com a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create copied works of, publicly display and publicly perform any information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the website (such as Articles, views, latest updates, forums and newsgroups) or by e-mail to www.finmart.com by all means and in any media now known or hereafter developed. You also grant to www.finmart.com the right to use your name in connection with the submitted information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no resort against www.finmart.com for any alleged or actual infringement or misappropriation of any proprietary right in your communications to www.finmart.com. Publications, products, content or services referenced herein or on the website are the exclusive trademarks or service marks of www.finmart.com. Other product and company names mentioned in the website may be the trademarks of their respective owners.

Limited Permission to Copy / Republish the content:
No part of the Site may be reproduced or transmitted to or stored in any other web site, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without prior written permission. Requests to republish Finmart.com information for distribution should be addressed to info@finmart.com.
However, restricted re-publishing is allowed, on the condition that a visible credit should be given by linking the original article from Finmart.com. Any violation of the same will be deemed infringement and will be dealt accordingly.

Entire Agreement
This agreement constitutes the entire and whole agreement between user and www.finmart.com, and is intended as a complete and exclusive statement of the terms of the agreement. This agreement shall supersede all other communications between www.finmart.com and its users with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.

2. Use of the Site.
The information contained on this site and on the associated web pages on the www.finmart.com website is general information only and is not intended to take the place of professional advice on any particular matter. The user of the www.finmart.com website is advised to either seek appropriate professional help or cross-check all the facts, laws and material as may be referred to in the content on this website with original publications or notifications and the like before acting on the basis of any information contained herein. www.finmart.com has made suitable efforts to avoid errors or omissions in the information as contained in the website. The user of this website concedes that some errors or omissions may be intrinsic in the information as contained in the website, which cannot be prevented. Any mistake, error or discrepancy noted may be brought to our attention and suitable efforts shall be undertaken to resolve the same. www.finmart.com reserves the right – at any time – to add, modify, alter, delete or update the information on www.finmart.com website and / or the Terms of services Privacy Policy and all users shall be bound by the same so altered, modified or updated. You understand that, except for information, products or services clearly identified as being supplied by www.finmart.com, www.finmart.com does not operate, control or endorse any information, products or services on the Internet in any way. Except for www.finmart.com- identified information, products or services, all information, products and services offered through the website or on the Internet generally are offered by third parties that are not affiliated with www.finmart.com. You also understand that www.finmart.com cannot and does not guarantee or warrant that files available for downloading through the website will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the website for the reconstruction of any lost data.

You take upon yourself total responsibility and risk for your use of the website and the internet. www.finmart.com provides the website and related information “as is” and does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or no infringement) with regard to the service, any merchandise information or service provided through the service or on the internet generally, and www.finmart.com shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. it is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the service or on the internet generally. www.finmart.com does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected. You appreciate further that the pure nature of the internet contains unedited information some of which may be offensive to you. Your access to such information is at your risk. www.finmart.com has no control over, and accepts no responsibility whatsoever for such materials.

Eligibility and Registration:
You must be 18 years or older to use the www.finmart.com service. By registering for the www.finmart.com service, you represent and declare that you are 18 or older and that you have the capacity to understand, agree to and comply with these Terms of Service and Policy. Since Indian laws do not permit us to contract with a minor person (minor is a person who has not completed 18 years of age), we do not market our website to minor person under the age of 18.

Information Collected
www.finmart.com will only collect, store, use, and share your personal information (including email address) as it is defined by our privacy statement and as regulated by Indian laws. Information collected on the www.finmart.com website is stored and used at user’s will. We do not disclose user information (including email address) to third parties except when the user requests to e-file their return or avail other services. In just case, we will disclose information to the appropriate government officials if the law so compels us. We only communicate with users when necessary, such as issues with the user’s tax return or to provide requested services. Only information you have given to us (including email address) is stored by us. We do not supplement your information with information from other companies. When you use calculators and other tools on our websites that may or may not require registration,www.finmart.com may collect non-identifiable data from such tools, to help us customize offers and tools to your particular interests. www.finmart.com will not record or track any data you enter into standalone tools and calculators in any way that identifies you personally, unless we specifically inform you that we are doing so at the time you provide such data. In case of change in tax laws and procedures we would try our best to integrate the same on the site at the earliest however we do not take responsibility to always update website or the service/s offered instantly, at times it may take time or we may not consider to update the same for a reason, the decision of our team would be final. While offering the service/s and or product our team of tax experts have to interpret the vast number of tax law provisions and while doing so there could be more than one view possible about the same tax provision, our experts always would be interpreting the law in the most reasonable and law abiding view. Therefore the income and tax calculations may be different from another tax professional’s point of view, in such an event or any other such possibilities we will not be responsible for such or other errors, misrepresentation or miscalculations in case of income or tax areas reported or displayed or printed in any form through the services or products. In the event of leakage of any information from the site for any reason beyond our control and for whatsoever reason www.finmart.com shall not be responsible under any circumstances and no action shall lie against www.finmart.com. A maximum relief granted in such an event would be subject to the payment you have made for that service or product, which we may refund to you and that www.finmart.com would be deemed to have discharged its limited liability towards you.

Payment Policy
www.finmart.com uses a secure payment gateway. The credit/debit card information will not be utilized and/or shared by www.finmart.com with any third party unless expressly agreed upon by terms of agreement with third parties/ Alliance partners as enumerated/elaborated in the privacy policy or as required by and under any law, regulation or court order. www.finmart.com will not be liable for any credit/debit card fraud. The liability for the use of credit/debit card fraudulently will solely be borne by the customer and the onus to ‘prove otherwise’ shall rest exclusively upon the customer.

Similar to the utilization of personal information of credit/debit card as enumerated above, the same will apply to the information of net banking payment option usage i.e. user name and/or password etc. The customer also agrees and undertakes not to stop and/or dispute any credit/debit card payment once initiated by him/her. The customer further agrees that any expense/s incurred by www.finmart.com consequent to his/her failing to abide by the aforementioned point, will be borne by him/her.

Refund and Cancellation Policy
www.finmart.com will refund payments to you in the following circumstances:

If there has been a duplicate payment in error.

Refund of the fees you paid to www.finmart.com is the maximum relief granted in any event. The refund so granted will be subject to verification of payment realized and after reduction of the taxes and/or finance charges as applicable (if any) for such transaction. You may not use the www.finmart.com service for any illegal or unauthorized purpose, including misusing permanent account number (PAN) of another person. International users agree to comply with all Indian laws and regulations, including laws regulating the export of data from your country of residence. You are solely responsible for your conduct and any data, text, information, graphics, that you submit, and post on to www.finmart.com. Other examples of illegal or unauthorized uses include, but are not limited to:

  • Modifying, adapting, translating, or reverse engineering any portion of the www.finmart.com service.
  • Removing any copyright, trademark or other proprietary rights notices contained in or on the www.finmart.com service.
  • Using any robot, spider, site search/retrieval application, or other device to retrieve or index any portion or the www.finmart.com service.
  • Creating user accounts by automated means or under false or fraudulent pretences.
  • Creating or transmitting unwanted electronic communications such as “spam,” or chain letters to or otherwise interfering with other user’s enjoyment of the service by blocking.
  • Submitting data of any third party without such third party’s prior written consent.
  • Submitting Materials that falsely express or imply that such Materials are sponsored or endorsed by www.finmart.com.
  • Submitting Materials that infringe misappropriate or violate the intellectual property, publicity, privacy or other proprietary rights of any party.
  • Transmitting any viruses, worms, defects, Trojan horses or other items of a destructive nature.
  • Submitting false or misleading information.
  • While www.finmart.com prohibits such conduct on its site, you understand and agree that you nonetheless may be exposed to such misuse or blocking by other users and that you use the www.finmart.com service at your own risk. For certain services such as Email and information, registration by the visitor is required. By registering, you agree to the following terms in addition to any other specific terms, which shall be posted at an appropriate location of the website. Each registration is for a single individual user with creation of multiple taxpayers known to the registering user only. Therefore, we do not permit any of the following:-

  • Any other person sharing your User Name and Password unless your express permission is granted.
  • Any part of the website being cached in proxy servers and accessed by person/s who have not registered with www.finmart.com as users of the Site and Service/s.
  • If we reasonably believe that a User Name and Password are being used / misused in any manner as clarified above we reserve the right to cancel access rights immediately without notice, and block access to all users from that IP address.


Limited Permission to Copy
You are permitted to print or download extracts from these information for your personal non-commercial use only. Any copies of these information saved to disk or to any other storage medium may only be used for subsequent viewing purposes or to print extracts for personal use. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from this site. No part of the website may be reproduced or transmitted to or stored in any other website, nor may any of its information or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without prior written permission.

Exchange of Information
All information, data, text, software, graphics, video, messages or other materials, whether publicly or privately transmitted/posted, is the sole responsibility of the person from where such content originated (the Originator).

Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the service. You as a responsible adult (above 18 years or above) shall be solely responsible for all content that you upload post or otherwise transmit. www.finmart.com endeavors to provide a web platform for various community interactions for persons to interact and exchange views with each other. The content posted on such services is by general public therefore the accuracy, integrity or quality of such content cannot be guaranteed. You understand that by using such services, you may be exposed to objectionable matter. Under no circumstances will www.finmart.com be liable in any way for any content, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content posted or uploaded.

You may not send, submit, post, or otherwise transmit, material or messages that contain software virus, or any other files that are designed to interrupt, destroy, and negatively affect in any manner whatsoever, any electronic equipment in connection with the use of this site, or other user’s ability to engage in real time exchanges. Any transactions relating to sale/purchase of goods or services not directly offered by www.finmart.com are to be settled inter-se between the parties and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by this site. This site does not have any involvement in the actual transactions between the buyers and sellers in any way.

Proprietary Rights of www.finmart.com
www.finmart.com reserves its right to terminate your account without any prior notice for any violation of the Terms of Services and Privacy Policy. By submitting or furnishing any personal information, data or details on or through the www.finmart.com service/s, you automatically grant us non-exclusive, permission and irrevocable right to hold and store your, such personal information, data or details and or your tax related information submitted or generated on calculation. Our use of your personal information is governed by our Privacy Policy and we will never rent, sell or share your personal information with any third party for marketing purposes without your express permission. It is our policy to respond to notices of alleged infringement that comply with the Copyright Act.


Email, Phone And Message Services
Once a user provides his/her contact details, including emails, contact number, would be automatically regarded as double opted in email subscribers on Finmart.com and its group entites. Finmart.com is free to send updates via Email Alerts or by way of messages or phone calls or other formats as time to time decided by Finmart.com on commercial expediency prudence and that prior permission to continue or change such method is deemed to have been agreed and granted by the user. However, if the user does not want to receive such emails, he/she can opt out by sending an email to ‘info@finmart.com’


IN no event will www.finmart.com be liable for

Any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if taxmanta.com or its authorized representatives have been advised of the possibility of such damages, or

Any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, www.finmart.com liability is limited to the greatest extent permitted by law.

www.finmart.com makes no representations what so ever about any other web site which you may access through this one or which may link to this website. When you access a non-www.finmart.com website, please understand that it is independent from www.finmart.com, and that www.finmart.com has no control over the content on that web site. In addition, a link to a www.finmart.com web site does not mean that www.finmart.com endorses or accepts any responsibility for the content, or the use, of such web site.

Any controversy or claim arising out of or relating to this Agreement or www.finmart.com services shall be settled by binding Arbitration in accordance with laws of India. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. Any other dispute or disagreement of a legal nature will also be decided in accordance with the laws of India.

3. Indemnification.
You agree to indemnify, defend and hold harmless www.finmart.com, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the service from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Third Party Rights.
The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of www.finmart.com and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5. Term; Termination.
This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Jurisdiction, Law and Miscellaneous) shall survive any termination of this Agreement.

6. Jurisdiction, Law and Miscellaneous.
This Agreement shall all be governed and construed in accordance with the laws of India applicable to agreements made and to be performed in India. The user and www.finmart.com agree to submit to the personal and exclusive jurisdiction of the courts of the place of registered office in India. www.finmart.com failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. www.finmart.com may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.

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