Terms of Service

1. Acceptance of Terms

By accessing or using Taxlay ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms constitute a legally binding agreement between you and Taxlay.

2. Description of Service

Taxlay is an income tax calculator designed for Indian taxpayers. Our Service includes:

• Old Regime vs New Regime tax comparison
• Detailed tax calculations and breakdowns
• HRA exemption calculator
• Deduction calculations (80C, 80CCD, 80D, etc.)
• Excel report generation (paid feature)
• Tax recommendations and insights

3. User Responsibilities

As a user of Taxlay, you agree to:

• Provide accurate and truthful information
• Use the Service only for lawful purposes
• Not attempt to circumvent payment requirements
• Not misuse or exploit any vulnerabilities in the Service
• Not use automated tools to abuse the Service
• Verify all calculations independently before filing tax returns

4. Payment Terms

4.1 Paid Services

Taxlay offers a two-tier payment system:

• Tier 1 (₹51): Detailed Old Regime breakdown with fixed HRA exemption
• Tier 2 (₹50): Full comparison with actual HRA calculation and Excel download

4.2 Payment Processing

Payments are processed securely through Razorpay. By making a payment, you agree to:

• Pay all applicable fees and taxes
• Provide accurate payment information
• Authorize the transaction through Razorpay

4.3 Refund Policy

Due to the digital nature of our services:

• All payments are non-refundable once the service is accessed
• No refunds will be issued for accidental payments or change of mind
• In case of technical issues, we may provide credits or service extensions at our discretion

5. Disclaimer of Warranties

5.1 "As Is" Service

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• ACCURACY OF CALCULATIONS
• NON-INFRINGEMENT

5.2 Tax Advice Disclaimer

6. Limitation of Liability

To the maximum extent permitted by law, Taxlay shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Tax liabilities, penalties, or legal issues arising from use of this Service
• Errors or inaccuracies in tax calculations
• Loss of data or information
• Service interruptions or unavailability

Our total liability shall not exceed the amount you paid for the Service, if any.

7. Intellectual Property

7.1 Ownership

All content, features, and functionality of Taxlay, including but not limited to text, graphics, logos, and software, are owned by Taxlay and are protected by copyright, trademark, and other intellectual property laws.

7.2 User License

We grant you a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute our code or content
• Reverse engineer or attempt to extract source code
• Use the Service for commercial purposes without permission
• Remove or alter any proprietary notices

8. User Data and Content

8.1 Data Processing

All tax calculations are performed locally in your browser. We do not store your financial data on our servers. Please refer to our Privacy Policy for details on data handling.

8.2 User Responsibilities

You are solely responsible for the accuracy of information you input and how you use the results. We are not responsible for any consequences arising from incorrect data or misinterpretation of results.

9. Termination

9.1 Termination by User

You may stop using the Service at any time.

9.2 Termination by Taxlay

We reserve the right to suspend or terminate your access to the Service if:

• You violate these Terms of Service
• You engage in fraudulent or illegal activities
• You abuse or exploit the Service
• We discontinue the Service

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms shall be governed by the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in [Your City, State], India.

10.2 Dispute Resolution

In the event of a dispute, you agree to first attempt to resolve it amicably through good faith negotiations. If unresolved, the dispute shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996.

11. Indemnification

You agree to indemnify, defend, and hold harmless Taxlay, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Tax liabilities or penalties arising from your use of calculations

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

13. Severability

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

14. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15. Contact Information

For questions regarding these Terms, please contact us: