Terms of Service | Helm

1. Agreement to Terms

By accessing or using Helm ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

Helm is operated by Bruvora Global Private Limited (CIN: [REGISTRATION NUMBER]) ("Company", "we", "us", or "our"), a company registered under the laws of India. These Terms constitute a legally binding agreement between you and the Company.

2. Description of Service

Helm is a cashflow management and forecasting platform that helps agencies and businesses:

Create and manage income and expense records
Track expenses and payments
Forecast cashflow
Manage client contacts and relationships

THE SERVICE IS A SOFTWARE TOOL ONLY. IT IS NOT A FINANCIAL INSTITUTION, ACCOUNTING FIRM, OR LICENSED PROFESSIONAL SERVICE.

3. Account Registration

3.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts to use this Service. By using Helm, you represent and warrant that you meet these requirements.

The Service is intended exclusively for business, commercial, and professional use. By using Helm, you acknowledge you are acting in a business capacity and waive any consumer protection rights that apply exclusively to personal, family, or household use.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you. You must immediately notify us of any unauthorized use. We are not liable for any loss arising from unauthorized access to your account.

3.3 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. Providing false information is grounds for immediate termination.

4. Acceptable Use

You agree NOT to:

Use the Service for any illegal purpose or in violation of any laws
Upload viruses, malware, or other malicious code
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the Service or servers
Scrape, harvest, or collect data without permission
Impersonate another person or entity
Use the Service to send spam or unsolicited communications
Circumvent any access controls or usage limits
Use the Service to create fraudulent financial records or facilitate fraud
Reverse engineer, decompile, or disassemble the Service

5. Payment Terms

5.1 Subscription Fees

Certain features of the Service require a paid subscription. Fees are billed in advance on a monthly or annual basis depending on your selected plan. All fees are quoted and payable in the currency specified at checkout.

Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless you cancel at least 24 hours before the renewal date. You must cancel through your account billing dashboard. Emailing support does not constitute a valid cancellation. If a payment fails, we reserve the right to suspend access until the balance is paid.

5.2 Free Trial

We may offer a free trial period. At the end of the trial, your subscription will automatically convert to a paid plan unless you cancel. You authorize us to charge your payment method on file.

5.3 Price Changes

We reserve the right to change subscription fees upon 30 days' notice. Price changes will take effect at the start of your next billing cycle.

5.4 Refunds

ALL FEES ARE NON-REFUNDABLE. BY SUBSCRIBING, YOU ACKNOWLEDGE THAT YOU WILL NOT RECEIVE A REFUND FOR ANY SUBSCRIPTION FEES ALREADY PAID, INCLUDING PARTIAL MONTHS OR UNUSED PORTIONS. CHARGEBACKS OR PAYMENT DISPUTES FILED WITHOUT FIRST CONTACTING US MAY RESULT IN IMMEDIATE ACCOUNT TERMINATION.

6. Intellectual Property

6.1 Our Intellectual Property

The Service, including all content, features, functionality, software, code, designs, and trademarks, is owned by the Company and is protected by copyright, trademark, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service.

6.2 Your Content

You retain all rights to the data and content you upload to the Service ("Your Content"). By uploading content, you grant us a limited, non-exclusive, worldwide, royalty-free license to store, process, display, and transmit Your Content solely to provide the Service.

You represent and warrant that: (a) you own or have the right to use Your Content; (b) Your Content does not infringe any third-party rights; and (c) Your Content complies with all applicable laws.

6.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us an irrevocable, perpetual, worldwide, royalty-free license to use, modify, and incorporate such feedback without any obligation to compensate you.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your data as described therein.

8. Third-Party Services

The Service may integrate with or contain links to third-party services (e.g., payment processors, email providers, calendar apps). Your use of such services is subject to their respective terms and privacy policies.

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY THIRD-PARTY SERVICES, INCLUDING BUT NOT LIMITED TO THEIR AVAILABILITY, ACCURACY, SECURITY, DATA BREACHES, OUTAGES, ERRORS, OR ANY ACTIONS TAKEN BY THIRD PARTIES. YOUR USE OF THIRD-PARTY SERVICES IS ENTIRELY AT YOUR OWN RISK.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR AVAILABILITY.

We do not warrant that: (a) the Service will be uninterrupted, error-free, or secure; (b) defects will be corrected; (c) the Service is free of viruses or harmful components; or (d) the results from using the Service will meet your requirements.

IMPORTANT: Helm is a software tool, NOT a financial advisor, accountant, tax advisor, or licensed professional. The Service does not constitute financial, tax, legal, investment, or professional advice. For financial advice, you MUST consult a qualified professional. We are not responsible for any decisions you make based on information displayed in the Service.

Beta Services: From time to time, we may offer features marked as 'Beta,' 'Early Access,' or 'Preview.' These features are provided entirely 'AS IS' without any warranty, support, or uptime guarantees. We may modify or remove Beta features at any time without notice. You use Beta features entirely at your own risk.

10. Financial Projections Disclaimer

NO GUARANTEE OF ACCURACY

The Service provides cashflow projections, runway estimates, and financial forecasts ("Projections") based solely on data you input. These Projections:

Are estimates only. They are NOT guarantees, predictions, promises, or professional advice.
Are only as accurate as the data you provide. Incomplete, incorrect, or outdated input data will result in inaccurate Projections.
May not account for all factors affecting your business, including but not limited to market changes, unexpected expenses, client defaults, currency fluctuations, tax obligations, regulatory changes, or force majeure events.
Should NEVER be used as the sole basis for business decisions.
Do not account for any AI, automated, or algorithmic calculations that may contain errors or drift.

YOUR RESPONSIBILITY

You are solely and exclusively responsible for:

The accuracy, completeness, timeliness, and legality of all data you input into the Service
Verifying all Projections against your own records, bank statements, and professional advice
Consulting qualified accountants, financial advisors, tax professionals, and other licensed professionals before making any business decisions
Maintaining your own financial records independent of the Service
Any and all business decisions you make, regardless of data displayed in the Service

WE ASSUME ZERO LIABILITY FOR ANY BUSINESS LOSSES, MISSED OPPORTUNITIES, INSOLVENCY, BANKRUPTCY, FINANCIAL HARM, OR OTHER DAMAGES ARISING FROM: (A) INACCURATE PROJECTIONS, REGARDLESS OF CAUSE, INCLUDING BUGS, ERRORS, CALCULATION DRIFT, OR SYSTEM FAILURES; (B) YOUR RELIANCE ON PROJECTIONS OR ANY DATA DISPLAYED IN THE SERVICE FOR BUSINESS DECISIONS; (C) OUTDATED, INCOMPLETE, INCORRECT, OR FRAUDULENT DATA YOU PROVIDED; (D) YOUR FAILURE TO VERIFY DATA AGAINST YOUR OWN RECORDS; OR (E) ANY OTHER USE OF THE SERVICE WHATSOEVER. THIS DISCLAIMER APPLIES REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

By using the Service, you acknowledge that you have read and understood this disclaimer and expressly agree not to hold the Company, its officers, directors, employees, or agents liable for any losses resulting from your use of the Service.

11. Data Accuracy Disclaimer

The Service relies entirely on data you input. We do not independently verify, validate, audit, or guarantee the accuracy of any data, including but not limited to:

Transaction amounts, dates, or payment status
Expense records and categorizations
Contact information
Financial projections and calculations
Any automatically calculated metrics, totals, or summaries

WE ARE NOT RESPONSIBLE FOR ANY CONSEQUENCES ARISING FROM INCORRECT, INCOMPLETE, OR FRAUDULENT DATA ENTERED INTO THE SERVICE, WHETHER BY YOU, YOUR TEAM MEMBERS, OR ANY THIRD PARTY WITH ACCESS TO YOUR ACCOUNT.

12. No Uptime Guarantee

We strive to maintain high availability but make NO guarantees regarding uptime, availability, or performance. The Service may be unavailable due to:

Scheduled or emergency maintenance
Technical failures or outages
Third-party service disruptions
Cyberattacks or security incidents
Force majeure events

WE ARE NOT LIABLE FOR ANY DAMAGES, LOSSES, OR BUSINESS INTERRUPTION CAUSED BY SERVICE UNAVAILABILITY, REGARDLESS OF CAUSE OR DURATION. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING BACKUP ACCESS TO YOUR FINANCIAL RECORDS OUTSIDE OF THE SERVICE.

13. Export and Tax Disclaimer

Any reports or data exported from the Service are provided for informational purposes only. We make no representations regarding their suitability for:

Tax filings or compliance
Regulatory submissions
Legal proceedings
Audits or financial statements
Any official or compliance purposes

YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL EXPORTED DATA WITH A QUALIFIED PROFESSIONAL BEFORE USING IT FOR ANY TAX, REGULATORY, LEGAL, OR COMPLIANCE PURPOSE. WE DISCLAIM ALL LIABILITY FOR ANY PENALTIES, FINES, AUDITS, OR OTHER CONSEQUENCES ARISING FROM YOUR USE OF EXPORTED DATA.

14. Regulatory Disclaimer

Helm is not a licensed financial institution, accounting firm, tax advisor, investment advisor, or regulated entity in any jurisdiction. We are not:

Registered with the Reserve Bank of India (RBI)
Registered with the Securities and Exchange Board of India (SEBI)
A Chartered Accountant or firm registered with ICAI
Licensed in any other jurisdiction for financial services

The Service does not constitute regulated financial advice. You must consult licensed professionals for all financial, tax, and legal matters.

15. Assumption of Risk

BY USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

You assume all risk associated with your use of the Service
You are solely responsible for evaluating the accuracy and reliability of any information provided
You waive any claims against the Company arising from your use of the Service
You have been advised to consult professional advisors before making business decisions
Software may contain bugs, errors, or defects that could affect calculations
Historical data and projections are not guarantees of future results

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, ANTICIPATED SAVINGS, OR BUSINESS INTERRUPTION; COST OF PROCUREMENT OF SUBSTITUTE SERVICES; OR ANY OTHER INTANGIBLE LOSSES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, BREACH OF WARRANTY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS (USD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by applicable law. FOR CONSUMERS IN THE EUROPEAN UNION, UNITED KINGDOM, OR OTHER JURISDICTIONS WITH MANDATORY CONSUMER PROTECTIONS, THIS LIMITATION DOES NOT AFFECT YOUR STATUTORY RIGHTS.

17. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising from or relating to:

Your use of the Service
Your violation of these Terms
Your violation of any applicable law or regulation
Your Content or data you submit to the Service
Your reliance on Projections or any data displayed in the Service
Any business decisions you make based on the Service
Any claims by third parties related to your use of the Service
Your infringement of any third-party rights

18. Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, strikes, power outages, internet failures, cyberattacks, or failures of third-party services. During such events, our obligations shall be suspended for the duration of the event.

19. Termination

19.1 By You

You may terminate your account at any time through your account settings or by contacting us. Upon termination, your right to use the Service will immediately cease.

19.2 By Us

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, and without liability. Grounds for termination include but are not limited to: violation of these Terms, fraudulent or illegal activity, non-payment, or conduct harmful to other users or the Company.

19.3 Effect of Termination

Upon termination: (a) all licenses granted to you terminate immediately; (b) you must cease all use of the Service; (c) we may delete your data within a reasonable timeframe, except where legally required to retain it; and (d) provisions that by their nature should survive termination will survive, including but not limited to: disclaimers, limitations of liability, indemnification, and dispute resolution.

20. Dispute Resolution

20.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. The courts in Delhi, India shall have exclusive jurisdiction over any disputes not subject to arbitration.

20.2 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered in Delhi, India, in accordance with the Arbitration and Conciliation Act, 1996, as amended. The arbitration shall be conducted in English by a single arbitrator. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

20.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

20.4 Consumer Protections

If you are a consumer in the European Union, United Kingdom, or other jurisdiction with mandatory consumer protection laws, the arbitration and class action waiver provisions above do not affect your statutory rights. You may bring claims in your local courts as permitted by applicable law.

21. Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will provide at least 30 days' notice of material changes by email or through the Service. Your continued use of the Service after such notice constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service before they take effect.

22. General Provisions

22.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and Acceptable Use Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.

22.2 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, such holding shall not affect the validity of the remaining provisions, which shall continue in full force and effect.

22.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

22.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

22.5 Notices

Notices to you may be sent to the email address associated with your account. Notices to us must be sent to legal@bruvora.com.

23. Contact Us

If you have questions about these Terms, please contact us at:

Company: Bruvora Global Private Limited
Email: legal@bruvora.com
Address: [REGISTERED ADDRESS], Delhi, India