Terms of use

1. Agreement

These terms are between you and Miyee Tech Labs, a sole proprietorship of Vipin Venugopal Nair (Ahmedabad, Gujarat 380015, India). By creating an account or using MiyeeBooks or MiyeeCredit you agree to them and to our Privacy Policy. If you use MiyeeBooks for a business, you confirm you are allowed to act for it.

2. The service

MiyeeBooks is a web app for bookkeeping, GST, TDS, payroll, reports, business valuation, a credit-readiness score and bank papers. MiyeeCredit is a portal where verified banks and NBFCs receive papers that businesses choose to share. We may add, change or remove features; we will tell you in advance before removing anything you rely on.

3. Licence, storage and charges

• Core bookkeeping is free to use, with no licence fee, for any business and any number of users. Paid plans (MiyeeBooks Pro, Investor Desk) are optional; their prices are on the pricing section.
• Cloud storage is free up to 25 MB of books and 250 MB of attachments per company. Beyond that, extra storage costs ₹199 a year for each 1 GB. Nothing is charged without your agreement, and you will be told in the app before a company reaches a limit.
• If you do not take extra storage, your books stay available on your device and to export.

4. Payments, subscriptions and taxes

• Paid plans, add-ons and extra storage are shown with their all-inclusive price in Indian rupees before you pay, and we send an invoice for every payment. Miyee Tech Labs is not yet registered under GST (turnover below the threshold under section 22 of the CGST Act, 2017), so no GST is charged. Once registered, GST will be added as the law requires and invoices will be tax invoices; we will tell you at least 15 days before.
• Payments are processed by Razorpay Software Private Limited, a payment gateway, by UPI, card, net banking or wallet. You enter your payment details on Razorpay's secure page; MiyeeBooks never sees or stores card numbers, CVV, UPI PINs or bank passwords.
• A subscription renews automatically only if you set up UPI AutoPay, a card mandate or an e-mandate, and only for the amount and period you approved. Your bank or UPI app tells you before each debit as RBI rules require. You can cancel any time; see the Refunds & Cancellation policy.
• If a renewal fails, we tell you and keep your plan running for 7 days while you pay. Your books are never deleted because a payment failed.
• Paid services start as described in the Service delivery policy.
• Prices may change. A new price applies only from your next renewal, and we tell you at least 15 days before.

5. Collecting payments from your customers

• If you connect your own Razorpay account to MiyeeBooks, payment links and subscriptions are created in your account and money goes from Razorpay straight to your bank account. Your business is the seller; Miyee Tech Labs never receives, holds or moves that money and is not a payment aggregator.
• You are responsible for what you sell, your prices, taxes, refunds and customer complaints, and for following Razorpay's terms and the law, including the list of goods and services Razorpay does not allow.
• MiyeeBooks reads the payments in your Razorpay account only to record them in your books, and only while you keep it connected. You can disconnect at any time.

6. Your account

• Keep your password safe and tell us at once if you think someone else has used your account.
• You control who you invite and what role they have. You are responsible for what invited users do in your books.
• Give true details. Banks and NBFCs joining MiyeeCredit must give their real licence or registration number and an official email; we may refuse or remove any lender we cannot verify.

7. Your books and filings

• You own your data. You give us permission to store and process it only to run the service for you.
• You are responsible for the accuracy of your entries and for every return, statement and payment you make. MiyeeBooks helps you prepare GSTR-1, GSTR-3B, TDS statements, PF and ESIC files and accounts; filing stays on the government portals, done by you or your CA.
• Rates, due dates and rules in the app are kept up to date in good faith, but laws change; check important figures with your CA or the official source.
• Keep your own exports. We take care to keep your data safe, but you should keep a backup of anything you must keep by law.

8. Estimates are not advice

The MSME credit score, business valuation, CMA projections, insights and AI review are estimates from your own unaudited books. They are not a credit rating by a SEBI-registered agency, not a CIBIL score, not a valuation by a registered valuer, and not legal, tax or investment advice.

9. MiyeeCredit

• MiyeeCredit is not a bank, NBFC, credit bureau or rating agency. It does not lend, decide applications, or receive or pay any money.
• Each lender makes its own decision under its own policies, does its own checks, and gives you its own terms (including the Key Fact Statement where the law requires one). Any agreement for credit is between you and the lender.
• Lenders must use shared papers only for the application they were shared for, keep them confidential, and stop using them when consent is withdrawn or ends.
• We verify lenders before they can receive papers, but we cannot guarantee how a lender will act. Report any misuse to our Grievance Officer.

10. Fair use

Do not use MiyeeBooks to break the law, to issue false invoices or claim credit you are not entitled to, to upload malicious files, to try to reach other users' data, or to overload or copy the service. We may suspend an account that does, after telling you why where we can.

11. Availability and liability

We work to keep MiyeeBooks running, but it is provided "as is" and may sometimes be unavailable. To the extent the law allows, Miyee Tech Labs is not liable for indirect losses, lost profit, penalties or interest arising from entries, filings or decisions, and our total liability for any claim is limited to the amount you paid us in the 12 months before it. Nothing here limits rights you have under the Consumer Protection Act, 2019 or other law that cannot be excluded.

12. Ending

You can stop using MiyeeBooks at any time and ask us to delete your account. We may close an account that breaks these terms. Either way, you can export your books first.

13. Law and disputes

These terms are governed by the laws of India. Please write to our Grievance Officer first; we will try to resolve any issue within 30 days. Courts at Ahmedabad, Gujarat have jurisdiction.

14. Changes

We will tell you in the app before material changes take effect. Continuing to use MiyeeBooks after that means you accept the new terms.