Terms of service

Charter AI is a SaaS product for Indian Chartered Accountants (“CAs”, “you”). It drafts replies to income-tax, GST and TDS notices, runs cited legal research over statutes, circulars and case law, maintains a compliance calendar, holds a client and document vault, and handles trademark filings. Bookkeeping automation, Tally sync and GST reconciliation are in development and not yet available. Charter AI is provided by Eden Labs Private Limited (“Eden Labs”, “we”, “us”) to firms and individual practitioners who create an account.

Every draft, research answer and citation Charter AI produces is a starting point, not a filing. You remain the Chartered Accountant of record and are solely responsible for reviewing, verifying and, where required, signing off on any output before it is used, filed or relied upon in a professional capacity. Citations are checked against a cached source with a URL and fetch date before a draft can export, but that check is a guardrail, not a substitute for your own professional judgement.

Charter AI produces drafts and research for a qualified professional to review; it does not itself give legal or professional advice. Eden Labs is not a law firm and does not practise law. Nothing generated by the product is a substitute for your own professional judgement or for independent counsel where counsel is needed.

By using Charter AI you confirm that you are 18 years of age or older and that you are using the service in a professional capacity, as a Chartered Accountant or a member of a CA firm’s staff acting on the firm’s behalf.

• One account per practitioner or firm, sized to the plan purchased — no resale of access.
• Use the service only for your own practice and clients you are engaged to represent.
• Do not upload documents you are not authorised to process on a client’s behalf.
• Do not scrape, extract or resell the underlying legal-research corpus or product output.
• Do not use the service to build or supply a competing product, or to generate content for onward sale as a competing service.
• Do not use the service to generate misleading filings or to circumvent a statutory process.
• Keep your account credentials confidential; you are responsible for activity under your account.

The annual plan carries a fair-usage AI allowance for the year, shown in-app as a live usage meter so you always know what is left. If an account is on track to exceed the allowance, we will contact you before any restriction takes effect — drafting and research are never cut off without warning.

New accounts get a 7-day trial with no card required, capped per feature (see pricing). The paid plan is a single, one-time annual charge billed through Razorpay. There is no auto-renewal, no recurring debit and no standing mandate on your payment method.

Because nothing is billed automatically, there is nothing to cancel in the usual sense. Choosing not to renew simply means the account is not charged again: access continues to the end of the paid year and then stops, unless you renew.

Refund terms — including the 7-day money-back guarantee and how AI usage affects the amount refunded — are set out in the refund policy, which forms part of these terms.

How we collect, use, retain and delete data — including client data you upload on your clients’ behalf — is set out in the privacy policy, which forms part of these terms. We do not sell client data and do not use it to train models.

For your clients’ personal data that you upload or enter on their behalf, you (the CA) are the data fiduciary/controller and Eden Labs is your processor, acting only on your instructions:

• Instructions: we process your clients’ personal data only on your documented instructions — using the product, by uploading a document or entering facts to draft a reply or run research, is itself that instruction. We do not process it for any other purpose.
• Purpose limitation: we use it solely to provide the drafting and research features you invoke, and to run and secure the product itself.
• Security safeguards: as described in the privacy policy.
• Data principal requests: if one of your clients’ own data subjects (data principals) makes an access, correction or erasure request to you, we will assist you in responding to it.
• Breach notification: if a personal data breach affects your clients’ data, we will notify you without undue delay after we become aware of it.
• Deletion or return on termination: when your account ends, your clients’ personal data is deleted along with the rest of your account (see privacy policy → How long we keep it).

The service is provided “as is”. Eden Labs does not warrant that it will be uninterrupted or error-free, or that any draft, research answer, extracted figure or statutory date is accurate or complete. If you are dissatisfied with the service, your remedy is to stop using it and, within the refund window described in the refund policy, to request a refund.

You agree to indemnify and hold harmless Eden Labs, its directors, officers, employees and shareholders against any claim, loss or liability, including reasonable legal fees, arising from your use of the service or your breach of these terms.

To the maximum extent permitted by Indian law, Eden Labs’ total aggregate liability arising out of or relating to the service is capped at the amount you actually paid in the twelve months preceding the claim. Eden Labs is not liable for indirect, incidental, consequential or punitive damages, including lost profits, lost data, penalties, interest or professional liability arising from a filing, even if advised of the possibility of such damages.

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

We may update these terms as the service evolves. Material changes will be notified in-app or by email before they take effect.

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