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TERMS & CONDITIONS

WFYI Technology Private Limited
Operating as FylFlix

Effective Date: November 28, 2025

Last Updated: November 28, 2025

TABLE OF CONTENTS

  1. Acceptance of Terms
  2. Service Description & Scope
  3. Eligibility & Account Requirements
  4. User Responsibilities & Conduct
  5. Subscription & Payment Terms
  6. Refund Policy
  7. Intellectual Property Rights
  8. Limitations of Liability & Disclaimers
  9. AI Tax Predictions Disclaimer
  10. Professional Services Disclaimer
  11. Document Authenticity & User Responsibility
  12. Termination of Services
  13. Dispute Resolution & Arbitration
  14. Grievance Redressal Mechanism
  15. Modifications to Terms
  16. Governing Law & Jurisdiction
  17. Severability
  18. Contact Information

1. ACCEPTANCE OF TERMS

1.1 Legal Agreement

These Terms & Conditions ("Terms") constitute a legally binding agreement between WFYI Technology Private Limited ("Company," "we," "us," "our," operating as "FylFlix") and you ("User," "you," "your"). By accessing, browsing, registering, or using the FylFlix platform (https://www.fylflix.com) ("Platform" or "Services"), you confirm that:

  • You have read and understood these Terms completely
  • You agree to be bound by all terms, conditions, and policies
  • You accept all liability arising from your use of the Platform
  • You understand FylFlix is available to users in India

1.2 Incorporation of Privacy Policy

Our Privacy Policy is incorporated into and forms part of these Terms. By using the Platform, you also consent to:

  • Collection of personal and financial data as described in Privacy Policy
  • Processing and storage of information as per privacy terms
  • Sharing of data with Tax Experts, CAs, and authorized third parties
  • Cookie usage and analytics tracking

Refer to our Privacy Policy for complete data handling details.

1.3 Multiple Agreements

If these Terms conflict with other agreements (privacy policy, specific service terms), the order of precedence is:

  1. This Terms & Conditions document (primary)
  2. Privacy Policy (supplementary for data handling)
  3. Specific service terms (if applicable)

1.4 No Waiver

Our failure to enforce any provision does not constitute waiver of that provision or any other right.

2. SERVICE DESCRIPTION & SCOPE

2.1 Services Offered

FylFlix provides the following services to individuals and businesses in India:

Tax Planning & Advisory:

  • Personalized tax optimization strategies
  • Income tax planning consultation
  • Tax savings identification and recommendations
  • Financial year planning guidance
  • GST advisory (if applicable)

AI Tax Savings Prediction Tool:

  • Automated AI analysis of financial information
  • Prediction of potential tax savings
  • Deduction identification
  • Tax optimization suggestions
  • Dashboard with financial trends and tax projections

Professional Tax Filing Services:

  • Income Tax Return (ITR) filing with government authorities
  • Representation before income tax department
  • Tax audit assistance (if applicable)
  • GST return filing (if applicable)
  • Consultation with licensed Chartered Accountants (CAs)

Financial Planning:

  • Investment strategy consultation
  • Retirement planning guidance
  • Insurance and risk assessment
  • Wealth management advice

24/7 Expert Support:

  • Chat consultation with Tax Experts and CAs
  • Email support for queries
  • Phone support during business hours
  • Document review and verification

2.2 Scope of Services

What is Included:

  • Consultation with licensed tax professionals
  • Document analysis and preparation
  • ITR filing with the Income Tax Department
  • Tax optimization recommendations
  • Dashboard access with 7-year financial history
  • Email and chat support

What is NOT Included:

  • Investment advisory (we provide guidance only; consult official advisors)
  • Legal representation in court proceedings
  • Representation for tax audits beyond standard consultation
  • One-on-one legal advice (beyond tax filing scope)
  • Services outside Indian tax jurisdiction

2.3 Geographic Scope

FylFlix Services are currently available to residents of India only. International users may have limitations on certain services. Services are designed for:

  • Indian income earners
  • Indian taxpayers filing ITR
  • Indian businesses filing GST returns
  • Compliance with Indian Income Tax Act and Rules

2.4 Service Availability

  • Services are provided "as-is" and on an "as-available" basis
  • We may temporarily suspend services for maintenance without prior notice
  • We are not liable for downtime or temporary service unavailability
  • We will attempt to provide 24-hour notice for scheduled maintenance

3. ELIGIBILITY & ACCOUNT REQUIREMENTS

3.1 User Eligibility

To use FylFlix Services, you must:

Age Requirement:

  • Be at least 18 years old or the legal age of majority in your jurisdiction
  • Minors may use services with parental/guardian consent and supervision

Legal Capacity:

  • Have the legal capacity to enter into binding agreements
  • Not be prohibited from using services under Indian law
  • Not be subject to sanctions or legal restrictions

Jurisdiction:

  • Be a resident of India (for most services)
  • Have a valid Indian phone number and email
  • Have an Indian taxpayer status or income source

Professional Status:

  • For professional consultations, you must provide accurate information
  • You must be eligible to file ITR in India
  • You confirm income sources are lawful and disclosed

3.2 Account Registration

Registration Requirements:

  • Provide accurate, complete, and truthful information
  • Use a valid email address and phone number
  • Create a secure password (minimum 8 characters, mixed case/numbers/symbols recommended)
  • Complete identity verification where required

OTP Verification:

  • OTP sent via MSG91 to your registered phone number
  • Required for account security and verification
  • You are responsible for protecting your OTP

Account Information:

  • You must provide: Full name, email, phone number, date of birth
  • You must update information if it changes
  • You are responsible for accuracy of personal information
  • Providing false information may result in account suspension

3.3 Account Responsibility

You are responsible for:

  • Maintaining confidentiality of login credentials
  • All activities under your account
  • Unauthorized access attempts must be reported immediately
  • Not sharing account access with others
  • Protecting your password from disclosure

Account Security:

  • Use a strong, unique password
  • Do not share login details via email or messaging
  • Log out when using shared devices
  • Report suspicious activity immediately to info@wfyi.ai

3.4 Multiple Accounts

  • Each user should maintain only one active account
  • Creating multiple accounts for the same person is prohibited
  • We reserve the right to merge or suspend duplicate accounts
  • Violations may result in service termination

4. USER RESPONSIBILITIES & CONDUCT

4.1 Acceptable Use

You agree to use FylFlix only for lawful purposes and in ways that do not infringe upon rights or restrict use by others. You specifically agree:

Legal Use:

  • You will comply with all applicable laws and regulations
  • You will not use services for any illegal activities
  • You will not violate tax laws or provide false information to authorities
  • You will not engage in fraud, deception, or misrepresentation

Financial Information:

  • All financial information provided is accurate and truthful
  • You are responsible for accuracy of income, investments, and deductions
  • You will not claim false or fraudulent deductions
  • You warrant that all documents provided are authentic

Professional Relationships:

  • You will comply with advice and guidance from Tax Experts and CAs
  • You will provide complete and honest information during consultations
  • You will not misrepresent your situation or financial status
  • You will inform us of material changes before ITR filing

4.2 Prohibited Conduct

You agree NOT to:

Unlawful Activities:

  • Use Platform for illegal activities, fraud, or tax evasion
  • Engage in money laundering or financial crimes
  • Provide false information to government authorities
  • Use services to violate any law or regulation

Data & Security Violations:

  • Attempt to access, hack, or compromise the Platform
  • Intercept or monitor data transmissions
  • Reverse engineer or decompile our software
  • Upload malware, viruses, or harmful code
  • Perform denial-of-service attacks or system overloads

Intellectual Property Violations:

  • Reproduce, copy, or distribute Platform content without permission
  • Use our trademarks, logos, or branding without authorization
  • Create derivative works from our services
  • Plagiarize or misattribute our content

Harassment & Misconduct:

  • Harass, threaten, or abuse Tax Experts or support staff
  • Send abusive, threatening, or defamatory messages
  • Spam or send unsolicited communications
  • Impersonate other users or staff

Misuse of Services:

  • Create, distribute, or upload false or misleading documents
  • Use services for purposes other than personal tax filing
  • Provide services to third parties without authorization
  • Use API or data in unauthorized ways

4.3 Consequences of Misconduct

Violations may result in:

  • Immediate account suspension or termination
  • Forfeiture of payments without refund
  • Legal action and civil/criminal liability
  • Cooperation with law enforcement and tax authorities
  • Reporting to Income Tax Department or relevant authorities

5. SUBSCRIPTION & PAYMENT TERMS

5.1 Service Plans

FylFlix offers the following service plans:

Free Plan:

  • Price: ₹0/month
  • Includes: AI tax calculator, basic deduction suggestions, email support
  • Duration: Ongoing access
  • No credit card required

Pro Plan:

  • Price: ₹999/month
  • Includes: Free plan features + 24/7 CA consultation, personalized strategies, advanced optimization, GST filing, priority support
  • Billing: Monthly
  • Auto-renewal: Yes (unless canceled)
  • Cancellation: Anytime, effective next billing cycle

Enterprise Plan:

  • Price: Custom pricing based on requirements
  • Includes: Everything in Pro + dedicated CA team, multi-entity support, custom integrations, quarterly tax planning
  • Billing: Quarterly or annual
  • Negotiated terms apply

One-Time Payment Options:

  • Single consultation fee: ₹[Amount to be specified]
  • ITR filing service: ₹[Amount to be specified]
  • Additional services: Variable pricing

5.2 Payment Processing

Payment Method:

  • All payments processed through Razorpay payment gateway
  • Accepted methods: Credit cards, debit cards, net banking, UPI, wallet
  • Bank account details processed securely by Razorpay
  • We do not store your complete card/bank details

Payment Authorization:

  • By providing payment details, you authorize Razorpay and WFYI Technology to charge your account
  • You are responsible for keeping payment information current
  • Payment failure may result in service suspension

Transaction Confirmation:

  • You will receive a payment confirmation email
  • Confirmation includes: Transaction ID, amount, date, reference number
  • Invoice will be issued for corporate/business accounts
  • GST may be applied as per applicable law

Currency:

  • All payments are in Indian Rupees (₹)
  • Pricing is in INR only

5.3 Billing & Invoicing

Billing Cycle:

  • Monthly plans: Billed on the date of activation, then on same date each month
  • Annual plans: Billed on first payment, then annually on same date
  • Prorated billing: If you change plans mid-cycle, charges are prorated

Invoice Details:

  • Invoice issued to registered email within 24 hours of payment
  • Invoice includes: Service period, amount, transaction details, GST (if applicable)
  • Invoices can be downloaded from account dashboard
  • Keep invoices for tax records

Late Payment:

  • If payment fails, we will attempt to recharge within 7 days
  • Failure to remit payment may result in service suspension
  • Resumed service may incur re-activation fees

5.4 Auto-Renewal Terms

For Subscription Plans:

  • Pro Plan renews automatically monthly unless canceled
  • You will receive renewal reminder 7 days before billing date
  • Automatic renewal continues until you cancel
  • Cancellation: Through account settings or by emailing info@wfyi.ai

Cancellation Process:

  1. Log into your account
  2. Go to "Subscription Settings" or "Billing"
  3. Click "Cancel Subscription"
  4. Or email info@wfyi.ai with "Subscription Cancellation" in subject
  5. Cancellation effective at end of current billing cycle
  6. No pro-rata refunds for partial months

6. REFUND POLICY

6.1 Refund Policy Statement

Current Refund Status: FylFlix currently does not offer refunds for subscription payments or one-time service payments.

6.2 No Refund Exceptions

  • Subscription payments: Non-refundable once processed
  • One-time payments: Non-refundable after service initiation
  • Consultation fees: Non-refundable once consultation has been provided
  • ITR filing fees: Non-refundable after filing has been submitted to Income Tax Department

6.3 Exceptions & Escalations

Refunds may be considered in exceptional circumstances:

Technical Failures:

  • If service is completely unavailable for extended period (>48 hours)
  • Due to Platform outage or system failure
  • Customer provides evidence of non-service delivery

Fraudulent Charges:

  • If unauthorized payment was made to your account
  • If duplicate charges were applied in error
  • Investigation required; may take 10-15 days

Process:

  • Email info@wfyi.ai with "Refund Request" and supporting evidence
  • Include: Transaction ID, reason, supporting documentation
  • We will review and respond within 10 business days
  • Approved refunds processed within 7-10 business days

6.4 Chargeback Policy

  • Chargebacks initiated without contacting us first may result in account termination
  • We investigate all chargebacks
  • Resolved chargebacks result in account reinstatement
  • Disputes should be resolved through our grievance redressal process

6.5 Subscription Cancellation

  • Cancellation does not entitle you to refund for current month
  • Services remain available until end of billing cycle
  • After cancellation, renewal will not occur
  • You can reactivate anytime by purchasing new subscription

7. INTELLECTUAL PROPERTY RIGHTS

7.1 Company Intellectual Property

Ownership: All intellectual property rights in FylFlix are owned by WFYI Technology:

  • Website design and layout
  • Software code and algorithms
  • AI prediction models and technology
  • Logos, trademarks, and branding
  • Content (articles, guides, templates)
  • Dashboard features and functionality
  • Proprietary methods and processes

Protected Elements:

  • "FylFlix" is a trademark of WFYI Technology
  • All content is copyrighted (© WFYI Technology)
  • Software is licensed, not sold
  • Technology is confidential and proprietary

7.2 License Grant to User

Limited License: We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use the Platform for personal, lawful purposes
  • View and download your own documents
  • Use services for your own tax planning and ITR filing
  • Make reasonable personal use as permitted by these Terms

License Restrictions: You may NOT:

  • Copy, reproduce, or distribute Platform content
  • Reverse engineer or decompile software
  • Create derivative works
  • Sell, rent, lease, or transfer access
  • Republish our content without permission
  • Use our trademarks or logos
  • Access for commercial purposes (except using our services)

7.3 User Content

Your Documents & Information:

  • You retain ownership of financial documents you upload
  • By uploading, you grant us license to use for service delivery
  • We use your data only as described in Privacy Policy
  • You are responsible for accuracy and authenticity
  • We do not claim ownership of your data

Permissions:

  • You grant us permission to access, store, and process your documents
  • We share documents with Tax Experts/CAs for service delivery
  • We retain data for 7 years as per retention policy
  • Deletion occurs after retention period unless you request earlier

7.4 User-Generated Content Disclaimer

  • Any reviews, feedback, or suggestions become our property
  • We may use feedback to improve services without compensation
  • We are not obligated to implement suggestions
  • By providing feedback, you waive rights to it

8. LIMITATIONS OF LIABILITY & DISCLAIMERS

8.1 Disclaimer of Warranties

"AS-IS" BASIS: FylFlix Platform and Services are provided on an "AS-IS" and "AS-AVAILABLE" basis without warranties of any kind.

DISCLAIMER: TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

  • Implied warranty of merchantability
  • Implied warranty of fitness for a particular purpose
  • Implied warranty of non-infringement
  • Warranty of accuracy or completeness
  • Warranty of availability or uninterrupted service
  • Warranty that services will meet your expectations
  • Warranty that services are error-free or bug-free

YOU ACKNOWLEDGE:

  • Services may contain errors, bugs, or defects
  • Services may be interrupted or unavailable
  • Data may be lost or corrupted
  • Results may not match expectations
  • Use is at your own risk

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY INDIAN LAW:

We are NOT liable for:

Direct Losses:

  • Loss of profits, revenue, or income
  • Loss of data, documents, or backups
  • Loss of business opportunities
  • Loss of goodwill or reputation
  • Direct financial losses

Indirect Losses:

  • Consequential damages
  • Incidental damages
  • Punitive damages
  • Special damages
  • Any damages arising from use or inability to use services

Specific Scenarios:

  • Failure to make correct tax deductions or projections
  • Inaccurate ITR filing (despite our best efforts)
  • Tax assessment or penalties by Income Tax Department
  • Incorrect AI predictions
  • Data breaches or unauthorized access
  • Platform downtime or service interruptions
  • Loss of documents
  • Disputes with Tax Experts or CAs
  • Advice provided by professionals

Liability Cap:

  • Our total liability shall not exceed the amount you paid in the last 3 months
  • For free services, liability is zero
  • This cap applies to all claims, whether in contract, tort, or otherwise

8.3 No Liability Scenarios

We are NOT liable for:

  • Decisions you make based on our recommendations
  • Your tax situation or outcomes with tax authorities
  • Penalties or interest levied by Income Tax Department
  • Your use of information for unauthorized purposes
  • Third-party service failures (Razorpay, Google, MSG91)
  • Acts beyond our reasonable control
  • Your failure to provide accurate information
  • Force majeure events

8.4 Indemnification

You agree to indemnify and hold harmless WFYI Technology and its officers, employees, and agents from:

  • Any claims arising from your use of services
  • Violations of these Terms
  • Breach of any law or regulation
  • Disputes with third parties
  • Inaccuracy of information you provided
  • Your negligence or misconduct
  • Claims by third parties relating to your documents

9. AI TAX PREDICTIONS DISCLAIMER

9.1 AI Prediction Nature

IMPORTANT DISCLAIMER:

The AI Tax Savings Prediction tool provides estimates and predictions only, NOT guarantees.

What AI Predictions Are:

  • Automated calculations based on information you provide
  • Projections of potential tax savings
  • Identification of common deductions
  • Optimization suggestions
  • Starting points for professional consultation

What AI Predictions Are NOT:

  • Definitive tax advice
  • Guarantee of actual tax savings
  • Professional tax opinions
  • Basis for official tax filing
  • Legal or financial advice
  • Certified tax assessments

9.2 Accuracy Limitations

AI Predictions May Be:

  • Inaccurate or incomplete
  • Based on incomplete information
  • Subject to change based on new rules
  • Varying from actual outcomes
  • Different from professional assessments
  • Non-compliant with specific situations

Factors Affecting Accuracy:

  • Incomplete information provided
  • Changing tax laws and rules
  • Complex personal situations
  • Multiple income sources
  • Special circumstances or exemptions
  • Professional judgment differences

9.3 User Responsibility

You acknowledge and agree:

  • You will NOT rely solely on AI predictions for tax filing
  • You will NOT claim the predictions guarantee specific savings
  • You understand results are estimates only
  • You will consult our Tax Experts/CAs before making decisions
  • You accept full responsibility for your tax decisions
  • You warrant information provided is accurate
  • Any inaccuracies in savings are due to incomplete information

9.4 Before Making Decisions

ALWAYS:

  1. Review AI predictions carefully
  2. Verify all information for accuracy
  3. Consult with our licensed Tax Experts/CAs
  4. Get professional advice before acting
  5. Report any discrepancies immediately
  6. Update information if circumstances change
  7. Don't rely on AI predictions alone

9.5 No Professional Advice

The AI tool does NOT provide:

  • Licensed tax advice
  • Professional tax consultation
  • Legal opinions
  • Financial recommendations
  • Investment guidance
  • Certified assessments

For professional advice, you MUST consult with our Tax Experts or CAs.

10. PROFESSIONAL SERVICES DISCLAIMER

10.1 Scope of Professional Services

Our Tax Experts and Chartered Accountants (CAs) provide:

  • Tax planning consultation
  • ITR preparation and filing
  • Financial advice within tax scope
  • Document review and guidance
  • Communication with tax authorities

10.2 Licensed Professionals

Professional Credentials:

  • All Tax Experts are trained professionals
  • All CAs are licensed Chartered Accountants (qualified under CA Act, 1949)
  • All professionals comply with professional ethics codes
  • Professionals maintain professional liability insurance

Professional Standards:

  • Services provided per professional standards of practice
  • Professionals comply with CA regulations and guidelines
  • Services subject to professional confidentiality
  • Professionals maintain required professional development

10.3 No Guarantees on Outcomes

We do NOT guarantee:

  • Approval of your ITR without queries
  • No tax assessment by Income Tax Department
  • Minimum tax savings
  • Absence of penalties or interest
  • Tax authority acceptance of filings
  • Specific outcomes in disputes

Outcomes depend on:

  • Income Tax Department decisions
  • Government policy changes
  • Your specific circumstances
  • Information accuracy
  • Changes in tax laws
  • Professional judgment and experience

10.4 Communication with Tax Authorities

Our Representation:

  • We may communicate with Income Tax Department on your behalf
  • We file ITR with your consent and instructions
  • We do NOT provide legal representation in court
  • We do NOT represent you in formal tax disputes
  • For legal representation, hire a tax lawyer separately

10.5 Professional Limitations

Our professionals are NOT:

  • Lawyers (cannot provide legal advice)
  • Financial advisors licensed under SEBI
  • Insurance agents
  • Real estate advisors
  • Investment managers
  • Court representatives

For specialized needs, consult appropriate professionals.

11. DOCUMENT AUTHENTICITY & USER RESPONSIBILITY

11.1 Document Authenticity Verification

We perform:

  • Basic document format verification
  • Data consistency checks
  • Cross-reference with PAN database (future feature)
  • Compliance review
  • User verification

We do NOT guarantee:

  • 100% authenticity of documents
  • Document genuineness
  • Absence of forged documents
  • Prevention of all fraudulent uploads

11.2 User Responsibility for Documents

You represent and warrant:

  • All documents you upload are authentic and genuine
  • Documents belong to you or you have authorization to share
  • Information in documents is accurate and truthful
  • Documents are not forged, altered, or fraudulent
  • You have not committed tax fraud or misrepresentation
  • All income sources disclosed are legal and lawful

11.3 Fraudulent Documents

If we discover documents are fraudulent:

  • We will immediately suspend your account
  • We will delete fraudulent documents
  • We will NOT file ITR with fraudulent information
  • We will comply with legal obligations to report fraud
  • We will cooperate with tax authorities
  • You may face legal consequences

11.4 Consequences of Misrepresentation

If you provide false or fraudulent information:

  • Your account will be terminated
  • All payments forfeited without refund
  • We will file required reports with authorities
  • We will cooperate with investigations
  • You accept full legal liability
  • You may face civil and criminal penalties
  • We reserve right to pursue legal action

11.5 Document Retention & Backup

  • You are responsible for maintaining your own backups
  • We retain documents for 7 years
  • After 7 years, documents are securely deleted
  • Download and save your documents regularly
  • We are not liable for document loss beyond our control

12. TERMINATION OF SERVICES

12.1 Termination by You

You may terminate services anytime by:

  1. Canceling subscription through account settings
  2. Emailing info@wfyi.ai with "Account Termination" request
  3. Closing your account through account dashboard
  4. Providing written notice to registered address

Effect of Termination:

  • Subscription automatically cancels
  • Access to Platform ceases immediately
  • Your data retained for 7 years per retention policy
  • You can request data deletion after legal retention
  • No refund for current month

12.2 Termination by Us

We may terminate or suspend your services immediately if you:

Breach of Terms:

  • Violate these Terms & Conditions
  • Misuse the Platform or services
  • Provide false or fraudulent information
  • Violate any law or regulation

Non-Payment:

  • Fail to pay subscription or service fees
  • Payment failure for 30+ days
  • Chargebacks or payment disputes
  • Insufficient account balance

Misconduct:

  • Harassment or abuse of staff
  • Threatening or abusive behavior
  • Attempt to hack or compromise Platform
  • Intellectual property violations

Fraud or Illegal Activity:

  • Tax evasion or fraud
  • Financial crimes
  • Fraudulent document submission
  • Non-compliance with legal obligations
  • Suspicion of illegal activity

Other Violations:

  • Misuse of AI tool predictions
  • Non-compliance with professional advice
  • Multiple policy violations
  • Safety or security risks

12.3 Termination Process

Notification:

  • We will notify you of termination in writing
  • Notice sent to registered email address
  • Notice will include reason and effective date
  • You have right to appeal (see grievance redressal)

Effect of Termination:

  • Your account access ceases immediately
  • Subscriptions terminate
  • Data retained per retention policy
  • No refund unless legally required
  • You remain liable for outstanding fees

12.4 Data After Termination

Your data:

  • Retained for 7 years per legal requirements
  • May be used for legal/compliance purposes
  • Will be securely deleted after retention period
  • You can request deletion subject to legal obligations
  • We may retain anonymized data for analytics

Your responsibility:

  • Download and backup your data before termination
  • Request data export if needed
  • We are not liable for data loss after termination
  • Backup downloads available during 30-day notice period

12.5 Survival of Terms

The following survive termination:

  • Liability limitations
  • Indemnification obligations
  • Intellectual property provisions
  • Dispute resolution clauses
  • Confidentiality obligations
  • Payment obligations
  • Any other provisions intended to survive

13. DISPUTE RESOLUTION & ARBITRATION

13.1 Informal Resolution

Before formal proceedings:

  1. Contact us at info@wfyi.ai with detailed description
  2. Include: Issue, impact, resolution sought, supporting evidence
  3. We will respond within 7 business days
  4. We will attempt good-faith resolution
  5. Most issues resolved informally

13.2 Escalation Process

If informal resolution fails:

  1. Request escalation to management
  2. Senior review within 10 business days
  3. Proposed resolution offered
  4. If still unresolved, proceed to formal mechanisms

13.3 Mandatory Arbitration Clause

Except as noted below, any dispute arising from or relating to these Terms, the Platform, or Services shall be resolved through binding arbitration.

Arbitration Terms:

  • Arbitration conducted under Arbitration and Conciliation Act, 1996
  • Single arbitrator mutually agreed upon by parties
  • If no agreement, arbitrator appointed by Indian Council of Arbitration
  • Arbitration seat: New Delhi
  • Language: English or Hindi as agreed
  • Arbitration costs shared equally
  • Arbitrator decision is final and binding
  • Limited appeal rights

Arbitration Process:

  1. Claimant submits written notice to respondent
  2. Respondent submits response within 30 days
  3. Parties exchange evidence and documents
  4. Hearing conducted within 60 days
  5. Arbitrator issues decision within 90 days
  6. Decision binding on both parties
  7. Enforcement per arbitration laws

13.4 Exceptions to Arbitration

The following are NOT subject to arbitration and may be pursued in court:

Immediate Court Action Permitted For:

  • Intellectual property infringement
  • Breach of confidentiality
  • Urgent injunctive relief needed
  • Urgent restraining orders
  • Small claims (under ₹1 lakh) - may go to small claims court
  • Tax-related matters involving government authorities

These matters can be brought in court directly without arbitration.

13.5 Class Action Waiver

You agree:

  • You cannot participate in class action suits against us
  • You cannot consolidate claims with other users
  • You cannot pursue collective relief
  • Each dispute resolved individually via arbitration
  • Class action waiver enforceable even if arbitration fails

14. GRIEVANCE REDRESSAL MECHANISM

14.1 Grievance Categories

We handle grievances related to:

  • Service quality or performance issues
  • Incorrect tax calculations or advice
  • Payment disputes or billing errors
  • Unauthorized account access
  • Data privacy violations
  • Harassment by staff or professionals
  • Contractual disputes
  • Any other grievance

14.2 Grievance Filing Process (Per IT Act, 2000)

Step 1 - Initial Grievance:

  1. Email info@wfyi.ai with details
  2. Subject: "Service Grievance" or "Complaint"
  3. Include: Your name, email, phone, account number, detailed description, evidence
  4. Keep copy for your records

Step 2 - Acknowledgment:

  • We acknowledge within 24 hours
  • Grievance reference number provided
  • Expected resolution timeline communicated
  • Contact person assigned

Step 3 - Investigation:

  • Our team investigates thoroughly
  • May request additional information
  • Investigation period: 7-14 days
  • Documentation maintained

Step 4 - Resolution:

  • Written response provided within 30 days
  • Explanation of findings and decision
  • Corrective action taken if grievance upheld
  • Appeal process explained

Step 5 - Appeal:

  • If unsatisfied, escalate within 15 days
  • Send: "APPEAL - [Grievance Reference]" to wfyi@wfyi.ai
  • Senior review conducted
  • Final decision within 15 days

14.3 Escalation & External Redressal

If internal resolution unsatisfactory:

External Bodies:

  • Income Tax Department (for tax-related grievances)
  • Cyber Crime Cell (for data security issues)
  • RBI Financial Ombudsman (for payment/banking issues)
  • Consumer Protection Authority (for consumer rights)
  • Ministry of Electronics & IT (for IT Act violations)
  • Courts (as per jurisdiction)

Contact Details:

14.4 No Retaliation

  • We will not retaliate for filing grievances
  • Service quality will not be affected
  • Account will not be terminated due to grievance
  • You are protected from unfair treatment

14.5 Timeline Summary

StageTimeframe
Acknowledgment24 hours
Investigation7-14 days
Resolution30 days maximum
Appeal Response15 days
Total (with appeal)45 days

15. MODIFICATIONS TO TERMS

15.1 Right to Modify

We reserve the right to modify these Terms at any time for:

  • Legal or regulatory compliance
  • Security or fraud prevention
  • Service improvements
  • Technology changes
  • Business needs
  • Market conditions

15.2 Notice of Changes

For significant changes:

  • Notification via email to registered email
  • In-app notification
  • Posted on website with effective date
  • Usually 30 days notice before effective date

For minor changes:

  • Updated on website
  • Effective immediately
  • Notification when you next log in

15.3 Acceptance of Changes

  • Continued use after changes = acceptance
  • If you don't accept changes, you must terminate services
  • Material changes may be challenged through grievance redressal
  • You have right to cancel before changes take effect

15.4 Your Agreement

By continuing to use FylFlix after changes, you agree to:

  • All modified terms
  • New policies or procedures
  • Updated fees or pricing
  • Modified service scope
  • Any other changes

16. GOVERNING LAW & JURISDICTION

16.1 Governing Law

These Terms & Conditions are governed by and construed in accordance with:

  • Primary: Laws of the Republic of India
  • Specific Acts:
    • Information Technology Act, 2000
    • Income Tax Act, 1961
    • Income Tax Rules, 1962
    • Indian Contract Act, 1872
    • Reserve Bank of India Act, 1934
    • RBI Payment and Settlement Systems Act, 2007
    • Any other applicable Indian laws
  • Regulations: Income Tax Department regulations, RBI guidelines, SEBI guidelines

16.2 Jurisdiction & Venue

Courts with Jurisdiction:

  • Primary: Courts of New Delhi have exclusive jurisdiction
  • Specific: District Court and High Court of Delhi
  • All disputes shall be subject to exclusive jurisdiction of Delhi courts
  • Arbitration seat is New Delhi per arbitration clause

Jurisdiction Waiver: By using the Platform, you:

  • Consent to jurisdiction of New Delhi courts
  • Waive objection to venue
  • Agree to arbitration in New Delhi
  • Agree not to file suits in other jurisdictions

16.3 Service of Process

  • Service of legal notice via registered email to registered address
  • Service via post to working address
  • Deemed served 7 days after posting or emailing
  • You authorize accepting service at email or registered address

16.4 Severability

If any provision of these Terms is:

  • Deemed invalid or unenforceable
  • Violates applicable law
  • Conflicts with government regulations

Then:

  • That provision is severable and removed
  • Remaining Terms continue in full force
  • The invalid provision replaced with legal equivalent
  • Intent of Terms preserved as much as possible

17. SEVERABILITY

If any portion of these Terms is found by a court of competent jurisdiction to be unenforceable, unwarranted, or contrary to law, such portion shall be reformed to the minimum extent necessary to make it valid and enforceable, or if not possible, shall be severed. The remainder of the Terms shall remain in full force and effect.

18. CONTACT INFORMATION

For questions, concerns, or to exercise rights under these Terms, please contact:

Email (Primary): wfyi@wfyi.ai
Email (General): info@wfyi.ai

Registered Office:
UGF-2, Sidharth Apartment, New Ghitorni Lake
Ghitorni, New Delhi, 110030, India

Working Address:
KH. No. 340, 100 Foota Road
Ghitorni, New Delhi, 110030, India

Business Hours:
Monday to Friday, 9:00 AM - 6:00 PM IST
Saturday & Sunday: Limited support available

Response Times:

  • General inquiries: 24-48 hours
  • Urgent issues: Within 24 hours
  • Grievances: Per grievance redressal process
  • Legal notices: Within 7 days

Postal Address for Legal Notice:
WFYI Technology Private Limited
Legal Department
KH. No. 340, 100 Foota Road, Ghitorni
New Delhi, 110030, India

ACKNOWLEDGMENT & AGREEMENT

By using FylFlix, you acknowledge that:

  • You have read these Terms & Conditions completely
  • You understand and accept all terms
  • You agree to be bound by these Terms
  • You have the legal capacity to enter into this agreement
  • You understand the disclaimers and limitations of liability
  • You accept responsibility for your use of the Platform
  • You understand AI predictions are estimates only
  • You will consult professionals before major decisions
  • You accept financial terms and payment obligations

Version: 1.0
Last Updated: November 28, 2025
Effective Date: November 28, 2025

© 2025 WFYI Technology Private Limited. All Rights Reserved.

© 2025 FylFlix. All rights reserved.