Terms of service

1. Software access and responsibility

FinCoreFlow provides financial-solutions and bookkeeping-preparation software, including document capture, OCR, organisation and reporting tools. We are not an accounting firm, tax adviser, tax-filing agency or regulated payment provider. Software outputs and suggestions are not professional advice or a guarantee of compliance.

You and your professional advisers remain responsible for accounting judgments, tax returns, filings, compliance and the accuracy of information submitted or approved. Review extracted data and calculations before relying on them. Features and limits depend on your plan and market; separately agreed services require their own written scope.

2. Accounts and acceptable use

You must have legal capacity to contract and authority to act for any organisation whose account you use. Keep sign-in access secure, manage authorised users and tell us promptly about suspected misuse. Your subscription grants a limited, non-exclusive right to use the service within your agreed plan.

Do not upload unlawful material, infringe others’ rights, access another customer’s information, disrupt the service, distribute malware, bypass security or usage limits, or resell access without permission. Statutory rights to interoperability or other legally permitted uses are not restricted.

3. Customer data and intellectual property

You retain your rights in your documents and data. You authorise us and our service providers to process them as needed to operate, secure and support the service, in accordance with the privacy policy and any applicable data-processing agreement. You must have the rights and permissions needed to supply that data.

FinCoreFlow and its licensors retain rights in the software, branding and documentation. This does not transfer ownership of your data to us. Maintain appropriate copies of records you must retain and export needed information before access ends. Deletion requests and legally required retention are addressed in our account-deletion information.

4. Fees, taxes and payments

The plan, currency, document allowance, billing period and applicable taxes are disclosed before purchase. Prices stated excluding VAT have applicable tax shown on the invoice or, where offered, at checkout. There is no authorisation for undisclosed charges. Custom-sold services are subject to a separate quote, not included in standard software subscriptions.

For direct purchases, FIN CORE FLOW (PRIVATE) LIMITED issues your invoice. Pay the amount, currency and payment reference using the instructions on that invoice by its stated due date. Receiving-account or payment-service providers facilitate payment; they do not change the identity of your software supplier or the scope of your purchase.

Applicable terms of your bank, payment processor or payment gateway continue to govern their payment services. These software terms do not override those terms, mandatory legal rights or legitimate payment disputes. Using a payment provider does not remove our own obligations to supply the agreed service or honour applicable refund rights.

Any renewal arrangement must be disclosed in your accepted order. A bank transfer does not authorise automatic debits or undisclosed future charges. We will communicate price or material subscription changes in advance and obtain consent where required by law; you may cancel before a change takes effect.

5. Cancellation and refunds

You can cancel renewal by contacting apps@fincoreflow.com. Cancellation normally leaves access until the end of the paid period. Uninstalling the app does not cancel a subscription.

Our first-14-days full-refund promise and other refund rights are explained in the refund policy. Nothing here limits mandatory consumer rights or more favourable rights included in your purchase.

6. Availability and limitations

We aim to keep the service available, but maintenance, faults and third-party interruptions can occur. No uninterrupted availability, error-free OCR or specific financial or tax outcome is promised. We may improve or change features, without removing paid contractual rights or statutory remedies. Any separately agreed service commitment continues to apply.

To the extent permitted by law, the software is supplied without additional warranties beyond these terms and any express purchase commitments. This does not exclude required standards of quality, conformity, reasonable care or remedies for defective services.

7. Liability

For business customers, to the extent permitted by law, our total liability arising from the service is limited to fees paid or payable for the affected service in the 12 months before the event giving rise to the claim. We exclude indirect or consequential business losses to that extent.

These limits do not apply to fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or any liability that cannot legally be limited. They do not restrict mandatory consumer remedies. Customers remain responsible for reviewing software outputs, but that does not excuse our own legal obligations.

8. Suspension, termination and changes

We may suspend or end access for material breach, non-payment, security risks or legal requirements. Where reasonably possible, we will explain the issue and allow an opportunity to remedy it; urgent protective action may be immediate. Contact us to arrange lawful access to your records. Refund rights and required retention still apply.

We will notify you of material changes to these terms with reasonable advance notice, except where an urgent legal or security change is necessary. Changes do not retrospectively remove accrued rights. Where required, we will seek consent or allow termination before changes apply.

9. Governing law and contact

These software terms are governed by the laws of Pakistan. Mandatory protections and court rights available to consumers in their country of residence remain unaffected. A payment provider’s applicable terms govern its separate payment services.

For questions or complaints, contact apps@fincoreflow.com or write to FIN CORE FLOW (PRIVATE) LIMITED at the registered address above.