Terms of service

These terms are an agreement between Cove Labs Private Limited (“Cove Labs”, “we”, “us”) and the firm or practitioner that creates an account (“you”). They govern your use of Charter AI, a software service for Indian Chartered Accountants that helps with drafting replies to tax notices, legal research, compliance tracking, bookkeeping, reconciliation and related professional work. The privacy policy and the refund policy form part of these terms. By creating an account or using the service you accept them. If you use the service on behalf of a firm, you confirm that you have authority to bind the firm.

Everything the service produces, including drafts, research answers, citations, extracted figures, reconciliations, computed dates and suggested entries, is a starting point for a qualified professional to review. You remain the Chartered Accountant of record and are solely responsible for reviewing, verifying and, where required, signing any output before it is used, filed or relied upon. Any checks the service performs on its own output are aids and not a substitute for your professional judgement.

Cove Labs is not a law firm or an accountancy practice and does not give legal, tax or professional advice. Output is generated by software, may be incomplete, out of date or wrong, and is not a substitute for your own judgement or for independent counsel where counsel is needed.

You must be 18 or older and use the service in a professional capacity, as a Chartered Accountant or as staff of a CA firm acting on the firm’s behalf. You are responsible for all activity under your account, for keeping credentials confidential and for the accuracy of the information you give us. We may refuse, suspend or close any account at our discretion.

You confirm that you have the authority, consent or other lawful basis required to upload and process every document and every item of personal data you put into the service, and that doing so does not breach any duty of confidentiality or any law. For your clients’ personal data you are the data fiduciary and Cove Labs processes it on your instruction, which you give by using the service. We process it only to provide, secure and improve the service, assist you with reasonable requests from the individuals it concerns, and delete it with your account as described in the privacy policy. We may charge for assistance beyond what the law requires.

• One account per practitioner or firm, sized to the plan purchased. No sharing or resale of access.
• Use the service only for your own practice and for clients you are engaged to represent.
• Do not copy, scrape, extract, reverse engineer or resell the service, its content, its research corpus or its output, and do not access it by automated means other than those we provide.
• Do not use the service to build or supply a competing product.
• Do not use the service to produce misleading filings, to circumvent a statutory process, or in breach of any law or professional rule.
• Do not upload malicious code or interfere with the service or other users.

We may suspend or end access, with or without notice, where we reasonably believe these terms have been breached, where required by law, or to protect the service or other users.

Plans, prices, trial terms and usage allowances are those shown on the pricing page when you subscribe. Each plan carries a usage allowance for its period, shown in the service. When an allowance is used up, features that draw on it may be paused until the next period or until you buy an add-on; we will try to warn you in the service as the limit approaches. Unused allowance does not carry forward. Fees are exclusive of applicable taxes. We may change prices and plans for future periods; changes do not affect a period already paid for. Payments are processed by a third-party payment provider under its own terms. Where a plan renews, you are told the renewal terms when you subscribe and can stop the renewal from the service before the next charge.

The refund policy is the only basis on which fees are refunded. Except as stated there, all fees are non-refundable. Cancelling stops future charges; access continues to the end of the paid period and then ends.

The service, its software, design, content, research corpus, templates and trade marks belong to Cove Labs or its licensors and are protected by law. You receive a limited, non-exclusive, non-transferable right to use the service for your practice during your subscription. You keep ownership of the material you upload, and you grant us the rights needed to store, process and display it to provide the service. Subject to these terms, you may use the output the service generates for you in your practice. Any suggestion or feedback you give us may be used without obligation to you.

The service evolves. We may add, change, limit or withdraw features, integrations and content at any time, including features in preview or beta, and we are not obliged to keep any particular feature available. We may perform maintenance that interrupts the service. Where a change materially reduces what a paid plan includes, your remedy is to stop using the service and, if within the refund window, to request a refund under the refund policy.

The service relies on third-party infrastructure, AI, payment and email providers, and it reads from and writes to third-party software, government portals and public legal databases that we do not control. We are not responsible for their availability, accuracy, changes or terms, or for anything that happens in them. Any software you connect to the service is used under your own licence for it.

The service is provided “as is” and “as available”. To the fullest extent permitted by law, Cove Labs disclaims all warranties, express or implied, including fitness for a particular purpose, non-infringement and any warranty that the service will be uninterrupted, secure, error-free or that any output, extracted figure, citation, reconciliation or statutory date is accurate, complete or current. You are responsible for keeping your own copies of your data.

To the maximum extent permitted by Indian law, Cove Labs’ total liability arising out of or relating to the service, under any theory, is limited to the fees you actually paid to Cove Labs in the twelve months before the event giving rise to the claim. Cove Labs is not liable for any indirect, incidental, special, consequential or punitive loss, or for lost profits, lost data, loss of business, penalties, interest, additional tax, professional liability, or any loss arising from a filing, submission or advice made in reliance on output, even if advised of the possibility of such loss.

You will indemnify and hold harmless Cove Labs, its directors, officers, employees, contractors and shareholders against any claim, loss, liability, penalty and cost, including reasonable legal fees, arising from your use of the service, the material you upload, your breach of these terms or of any law or professional rule, or any claim by your client or a third party relating to work you performed with the service.

You may stop using the service at any time and request deletion of your account from Settings. We may suspend or end your access for breach of these terms, non-payment, legal or security reasons, or if we discontinue the service, in which case we will try to give reasonable notice and refund any unused part of a prepaid period. On termination your right to use the service ends and your data is deleted as described in the privacy policy. Sections 2, 3, 5, 9 and 12 to 19 survive termination.

Cove Labs is not liable for any failure or delay caused by events beyond its reasonable control, including outages of third-party providers, networks or government portals, cyber attacks, changes in law, strikes, epidemics or natural events.

These terms, with the policies they refer to, are the entire agreement between you and Cove Labs about the service and replace any earlier understanding. If any part is held unenforceable, the rest remains in force. A failure to enforce a term is not a waiver of it. You may not assign these terms; we may assign them to a successor or affiliate. Notices to you may be given in the service or by email to the address on your account.

These terms are governed by the laws of India. Disputes arising out of or relating to these terms or the service are subject to the exclusive jurisdiction of the courts at Delhi.

We may update these terms at any time by posting the revised version with a new date. We will try to tell you about material changes in the service or by email. Continued use after a change takes effect is acceptance of it; if you do not agree, stop using the service.

Questions about these terms: write to support@charterai.in.