CAflow — Terms of Service
Effective Date: 1 March 2026 | Last Updated: 1 March 2026
These Terms of Service ("Terms") govern your use of the CAflow platform operated by OTD Business Solutions LLP ("Company", "we", "us"). By using CAflow, you ("Subscriber", "you") agree to these Terms.
1. Service Description
CAflow is an AI-powered GST compliance and practice management platform designed for Chartered Accountants. The service includes:
- AI extraction of invoice data from PDFs, images, Excel files, and Tally exports using Google Gemini
- GSTR-1 and GSTR-3B return preparation and filing via GSP API
- Purchase reconciliation against GSTR-2B portal data with ITC impact analysis
- Automated filing deadline reminders via WhatsApp
- Client document collection via WhatsApp
- Bank statement extraction and categorization
- Morning briefing reports and filing status dashboards
Important — AI Processing Disclosure: CAflow uses
Google Gemini AI to extract data from invoices and documents you forward via WhatsApp. This means your clients' documents (which may contain supplier/buyer names, addresses, amounts, and GSTINs) are
processed on Google Cloud servers, which may be located outside India. By using CAflow, you acknowledge and consent to this cross-border data processing. See our
Privacy Policy Section 10 for details.
2. Eligibility
CAflow is designed for use by:
- Chartered Accountants (CAs) registered with the Institute of Chartered Accountants of India (ICAI).
- CA firms and practices.
- Tax professionals and compliance practitioners acting on behalf of their clients.
By subscribing, you represent that you are a qualified professional with the authority to handle GST filings and compliance on behalf of your clients.
3. Free Trial
New subscribers receive a 30-day free trial with full access to all features. During the trial:
- No payment is required.
- All features including AI extraction, filing, and reconciliation are available.
- Trial begins on the date of WhatsApp onboarding.
- At the end of the trial, you will be prompted to select a paid plan. If you do not select a plan, services will be paused.
4. Pricing & Billing
4.1 Annual Subscription Tiers
| Tier | GSTINs | Users | Annual Price |
|---|
| Free | Up to 10 | 1 | Free (feature-limited) |
| Starter | Up to 50 | 1 | Rs 4,999/year |
| Professional | Up to 200 | 2 | Rs 9,999/year |
| Enterprise | Up to 500 | 3 | Rs 14,999/year |
Additional users can be added at Rs 1,999/user/year.
4.2 Billing Cycle
- CAflow subscriptions are billed annually on an anniversary basis.
- Billing invoices are sent via WhatsApp with a Razorpay payment link.
- First payment is due at the end of the free trial to activate your chosen tier.
4.3 Payment Terms
- Annual subscription fee is due upon receipt of the billing invoice.
- Unpaid invoices trigger escalation reminders at 3, 6, and 9 days.
- Continued non-payment beyond 9 days may result in service suspension.
5. Cancellation & Refunds
- You may cancel your subscription at any time by contacting us.
- Upon cancellation, your service continues until the end of the current annual billing period.
- After the service end date, document processing and filing capabilities are paused.
- No refunds are provided for partially used annual subscriptions.
- Your data (extracted invoices, filing records, reconciliation results) will be retained for 6 years per GST Act s36, even after cancellation. You may request access to your data during this period.
- Reactivation is available by contacting us, subject to payment of any outstanding invoices.
6. GST Filing Responsibilities
Critical Disclaimer: CAflow is a technology tool that assists with GST compliance. The ultimate responsibility for the accuracy and timeliness of GST filings rests with you (the CA/tax professional) and your clients.
- Review before filing: All AI-extracted data and prepared returns must be reviewed by a qualified professional before filing. CAflow provides extraction and preparation — not tax advice.
- Filing authorization: Filing GST returns via the GSP API requires explicit action (OTP + PAN confirmation) by an authorized user. CAflow does not auto-file without human authorization.
- AI accuracy: While our AI extraction achieves high accuracy, we do not guarantee 100% accuracy of extracted data. You must verify extracted invoices against source documents before approving them for filing.
- Pre-filing validations: CAflow runs automated validations (GSTIN format, tax rate consistency, duplicate detection, etc.) but these do not replace professional judgment.
- Tax advice: We do not provide tax advice, interpret tax law, or make filing decisions. These are the sole responsibility of the subscribing CA/professional.
7. Data Responsibilities
You (the CA/Subscriber) are the Data Fiduciary / Controller for your clients' data (GSTINs, PAN numbers, invoice details, financial records). You are responsible for having appropriate engagement letters and authorization from your clients.
We (OTD Business Solutions LLP) act as a Data Processor on your behalf. We process your clients' data solely for the purposes of extraction, filing, reconciliation, and compliance management.
Your obligations as Data Fiduciary:
- Ensure you have proper authorization (engagement letter or power of attorney) from your clients to process their GST data through our platform.
- Inform your clients that their documents may be processed using AI services (Google Gemini) which may operate outside India.
- Verify the accuracy of AI-extracted data before approving it for GST filing.
- Respond promptly to any data subject requests regarding your clients' data.
8. Record Retention
Legal Retention: GST filing records, invoice extraction data, reconciliation results, and filing audit trails are retained for 6 years from the due date of the relevant annual return, as required by GST Act Section 36. This data cannot be deleted during the retention period, even upon cancellation or erasure request.
After the 6-year retention period, data is either permanently deleted or anonymized, at our discretion, in accordance with our Privacy Policy.
9. Acceptable Use
You agree not to use CAflow to:
- File GST returns containing knowingly false or fraudulent data.
- Process documents for entities where you do not have proper professional authorization.
- Attempt to reverse-engineer, decompile, or extract the AI models or algorithms used by the platform.
- Exceed the GSTIN or user limits of your subscription tier.
- Share your account credentials with unauthorized individuals.
- Violate any applicable law, including the GST Act, DPDP Act, IT Act, or ICAI Code of Ethics.
10. WhatsApp Compliance
CAflow communicates with you and your clients through the official WhatsApp Business API. Both you and we are bound by Meta's WhatsApp Business Policy. In particular:
- We honour all opt-out requests (STOP/UNSUBSCRIBE keywords) from your clients.
- First-contact messages include a consent line.
- Document collection messages are sent only to clients with whom you have an existing professional relationship.
11. Limitation of Liability
- CAflow is provided "as is" without warranties of any kind, express or implied.
- We do not guarantee the accuracy of AI-extracted invoice data, tax calculations, or reconciliation results. All output must be professionally reviewed before use.
- We are not liable for any penalties, interest, or consequences arising from incorrect or late GST filings made using the platform.
- We are not liable for any indirect, incidental, consequential, or punitive damages.
- Our maximum aggregate liability to you shall not exceed the total subscription fees paid by you in the 12 months preceding the claim.
- We are not responsible for GSP API outages, Google Gemini service disruptions, WhatsApp delivery failures, or any third-party service issues beyond our reasonable control.
12. Intellectual Property
All intellectual property in the CAflow platform — including AI extraction models, classification algorithms, validation rules, dashboard interfaces, and branding — belongs to OTD Business Solutions LLP. Your subscription grants you a non-exclusive, non-transferable, revocable license to use the platform during the subscription period.
You retain all rights to your clients' data uploaded to and processed through the platform.
13. Indemnification
You agree to indemnify and hold harmless OTD Business Solutions LLP, its partners, employees, and agents from any claims, losses, or damages (including legal fees) arising from:
- Your breach of these Terms.
- Incorrect or fraudulent GST filings made using the platform.
- Your failure to review and verify AI-extracted data before filing.
- Your violation of any applicable law, ICAI regulations, or third-party rights.
- Any dispute between you and your clients regarding the services rendered.
14. Dispute Resolution
Any dispute arising from or relating to these Terms shall be resolved as follows:
- Negotiation: The parties shall first attempt to resolve the dispute amicably through good-faith negotiation within 30 days.
- Arbitration: If negotiation fails, the dispute shall be referred to a sole arbitrator appointed mutually, under the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be Bengaluru, Karnataka. The language of arbitration shall be English.
15. Governing Law
These Terms are governed by the laws of India. Subject to the arbitration clause above, any legal proceedings shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.
16. Modifications to These Terms
We may modify these Terms with at least 30 days' advance notice sent via WhatsApp and/or email. Continued use of CAflow after the notice period constitutes acceptance. If you do not agree with the modified Terms, you may cancel your subscription before they take effect.
17. Contact
By using CAflow, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.