Return and Refund Policy

Last Updated: March 25, 2026

1. General Overview

At Finzsmart.co (“we,” “our,” or “us”), we are committed to ensuring a transparent and fair policy for returns, refunds, and cancellations. This policy outlines the conditions under which you may request a return, refund, or cancellation for services purchased on our platform. By availing of our services, you agree to the terms outlined herein.

• This policy applies to all services provided by Finzsmart.co.
• Services purchased are non-refundable unless explicitly stated otherwise or due to specific circumstances mentioned in this policy.
• Refunds, cancellations, or modifications are subject to the terms and conditions outlined below.

2. Refund Policy

i) Refund Eligibility

Refunds will be issued only under the following circumstances:

• Non-Delivery of Service: If we fail to deliver the purchased service within the promised timeline due to our fault.
• Error in Service: If the delivered service is found to be incorrect or incomplete due to an error on our part.
• Duplicate Payment: If a duplicate payment is made for the same service.

ii) Refund Process

• Refund requests must be made within 7 days of the service purchase date.
• Email us at refund@finzsmart.co with the following details:
  • Full name
  • Email address
  • Contact number
  • Order/Invoice ID
  • Reason for the refund request
• We will acknowledge your request within 48 hours.
• We will investigate the issue and respond within 5–7 business days.

iii) Refund Approval and Timeline

• Approved refunds will be processed within 10 business days from the date of approval.
• Refunds will be credited to the original payment method used during the purchase.

3. Cancellation Policy

i) Cancellation Eligibility

• Before Service Commencement: You can cancel your service purchase within 24 hours of making the payment, provided the service has not been initiated.
• Service Not Started: If the service has not yet commenced, you may request a cancellation.

ii) How to Cancel

Email us at care@finzsmart.co with the following details:

• Full name
• Email address
• Contact number
• Order/Invoice ID
• Reason for cancellation

iii) Cancellation Approval

• We will acknowledge your request within 48 hours.
• If eligible, we will process the cancellation and initiate a refund (if applicable) as per the Refund Policy.

4. Non-Refundable and Non-Cancellable Services

• Services that have already been initiated or completed.
• Services involving consultation or advisory sessions that have been conducted.
• Customized services specifically tailored to your requirements.
• Services purchased as part of a promotional offer or discount.

5. Changes to Purchased Services

Modifications to purchased services can be requested if the service has not yet commenced. Any changes are subject to availability and may incur additional charges.

6. Disputes and Resolution

If you are dissatisfied with our services, we encourage you to contact us directly at care@finzsmart.co. We aim to resolve disputes amicably within 7 business days.

Terms of Use

Last Updated: October 28, 2025

1. Acceptance of Terms

By accessing and using the Finzsmart website and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

2. Services Description

Finzsmart provides web development services including but not limited to:

• Website design and development
• Technical consultation and debugging
• Frontend and backend development
• Website maintenance and support

3. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Respond to communications within reasonable timeframes
• Provide necessary content, images, and materials for your project
• Review and approve deliverables in a timely manner
• Pay for services as per agreed terms

4. Intellectual Property Rights

Upon full payment, you will own the custom code and design created specifically for your project. However:

• Finzsmart retains rights to reusable components, frameworks, and tools
• Third-party libraries and plugins remain property of their respective owners
• You may not resell or redistribute the code as a template or product

5. Payment Terms

• Consultancy services are billed monthly in advance
• Website development projects require 50% upfront payment
• Final payment is due before website delivery
• Late payments may result in service suspension

6. Project Timeline

Project timelines are estimates and may vary based on:

• Complexity of requirements
• Client feedback and approval speed
• Scope changes during development
• Availability of required content and materials

7. Warranty and Support

We provide:

• Bug fixes for issues present at time of delivery (within support period)
• Technical support as specified in your service plan
• No warranty for third-party integrations or services

8. Limitation of Liability

Finzsmart shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability shall not exceed the amount paid for the specific service in question.

9. Confidentiality

We respect your confidential information and will not disclose it to third parties without your consent, except as required by law.

10. Termination

Either party may terminate services with written notice. Upon termination:

• Payment for completed work is due
• You receive deliverables for paid milestones
• Ongoing support ends immediately

11. Modifications to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of new terms.

12. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Gujarat, India.

13. Contact Information

For questions about these Terms of Use, contact us at care@finzsmart.co.

Privacy Policy

Last Updated: October 28, 2025

1. Introduction

Finzsmart ("we," "us," or "our") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, store, and protect your information when you use our website and services.

2. Information We Collect

We collect the following types of information:

Personal Information:

• Name and contact details (email, phone number)
• Business information (company name, GST number)
• Billing and payment information
• Communication preferences

Technical Information:

• IP address and browser type
• Device information
• Website usage data and analytics
• Cookies and similar tracking technologies

Project Information:

• Project requirements and specifications
• Content and materials you provide
• Communication and feedback

3. How We Use Your Information

We use your information to:

• Provide and deliver our web development services
• Process payments and maintain financial records
• Communicate about projects, updates, and support
• Improve our services and website functionality
• Send marketing communications (with your consent)
• Comply with legal obligations
• Prevent fraud and ensure security

4. Legal Basis for Processing

We process your data based on:

• Contract Performance: To deliver services you've purchased
• Consent: For marketing communications and certain data uses
• Legitimate Interests: To improve services and prevent fraud
• Legal Obligations: To comply with tax and business laws

5. Data Sharing and Disclosure

We may share your information with:

• Service Providers: Payment processors, hosting providers, and analytics services
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In case of merger, acquisition, or sale of assets

We do not sell your personal information to third parties.

6. Data Security

We implement appropriate security measures to protect your data:

• Secure SSL encryption for data transmission
• Regular security audits and updates
• Access controls and authentication
• Secure storage and backup systems

7. Data Retention

We retain your information for as long as necessary to:

• Provide ongoing services and support
• Comply with legal and tax obligations (typically 7 years for financial records)
• Resolve disputes and enforce agreements

8. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Objection: Object to processing for marketing purposes
• Portability: Receive your data in a structured format
• Withdraw Consent: Revoke consent for data processing

9. Cookies Policy

Our website uses cookies to:

• Remember your preferences and settings
• Analyze website traffic and usage
• Improve user experience

You can control cookies through your browser settings.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies separately.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

12. International Data Transfers

Your data is primarily stored and processed in India. If we transfer data internationally, we ensure appropriate safeguards are in place.

13. Changes to Privacy Policy

We may update this privacy policy periodically. We will notify you of significant changes by email or through a prominent notice on our website.

14. Contact Us

For privacy-related questions or to exercise your rights, contact us at:

• Email: privacy@finzsmart.co
• Phone: +91 92743 55611
• Address: 529, The Boulevard, Pratham Circle, Pal, Adajan, Surat, 395009

15. Data Protection Officer

For data protection concerns, you can reach our Data Protection Officer at dpo@finzsmart.co.

16. Complaints

If you have concerns about how we handle your data, you have the right to lodge a complaint with the appropriate data protection authority in your jurisdiction.