📋 Terms of Use

1. Acceptance of Terms

By accessing or using GST Surrogate at yourdomain.in (the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms apply to all users of the Service, including individual taxpayers, Chartered Accountants, tax consultants, bank employees, NBFCs, and businesses of all sizes. Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms.

2. Description of Service

GST Surrogate is a free online loan eligibility checking tool that analyses your GSTR-3B returns. The Service:

• Accepts GSTR-3B PDF files uploaded by the user and processes them on our server
• Extracts and presents structured filing data including tax values, ARN, GSTIN, and filing dates
• Identifies missing, overdue, or late-filed GST returns
• Calculates and presents a Loan Eligibility estimate based on your GST turnover and filing history
• Generates downloadable filing summary reports in PDF and Excel formats
• Displays Google advertisements to fund the free Service

The Service is provided free of charge and is supported by Google AdSense advertising revenue. No sign-up, login, or payment is required.

3. User Responsibility

By using the Service, you confirm that:

• You are at least 18 years of age and have the legal authority to use this Service
• You are authorised to upload and process the documents you submit — either your own returns or those of clients for whom you are acting as an authorised professional
• You accept full responsibility for the accuracy, authenticity, and legality of the files you upload
• You understand that loan eligibility figures generated are estimates only and do not constitute a formal credit assessment, loan offer, or financial advice
• You will independently verify all extracted data against the official GST portal at gst.gov.in before relying on it for any purpose
• You will not hold GST Surrogate, its owners, or contributors liable for any outcome arising from your use of this Service

4. Permitted Use

You may use the Service only for lawful purposes, including:

• Checking your own business's loan eligibility based on GSTR-3B filing history
• Analysing your own GST filing history and generating compliance summaries
• Preparing reports for your clients as a registered tax or financial professional
• Assessing loan eligibility for credit appraisal purposes as a bank or NBFC employee
• Educational or research purposes related to GST compliance and lending

5. Prohibited Use

You must NOT use the Service to:

• Upload documents you are not authorised to access or process
• Process documents obtained through illegal, unauthorised, or fraudulent means
• Misrepresent the Service's output in any official document, loan application, or legal proceeding
• Attempt to reverse-engineer, scrape, copy, or replicate the Service's functionality or algorithms
• Submit automated or bulk requests that degrade service performance for other users
• Upload malicious files, scripts, or content designed to harm the Service or its users
• Use the Service for any purpose that violates applicable Indian law or regulation
• Impersonate any individual, business, or authority in the documents you upload

6. Data and Privacy

Your uploaded PDF files may be used internally to improve our product, including enhancing extraction accuracy and refining loan eligibility calculations. We do not share your data with any third party. We do not sell, rent, or trade your data. For full details, please read our Privacy Policy.

7. Loan Eligibility Disclaimer

8. Accuracy Disclaimer

The Service extracts data from PDF files using automated text recognition. While we strive for accuracy, extraction errors may occur due to variations in PDF formatting, font rendering, or document quality. Always verify extracted data against the original official source at gst.gov.in before relying on it for any purpose.

9. Intellectual Property

All content, design, code, and functionality of the Service — including extraction algorithms, report layouts, loan calculation logic, and user interface elements — are the exclusive property of GST Surrogate and are protected by applicable intellectual property laws of India.

You retain full ownership of the PDF files you upload and the underlying data they contain. We do not share your data with anyone. Your PDF files may be used internally to improve our product. We claim no rights over your business data for any commercial purpose.

10. Advertisements

The Service displays advertisements served by Google AdSense. Advertisements are selected automatically by Google based on your browsing context and are not endorsed by GST Surrogate. We are not responsible for the content of third-party advertisements. Ad blockers may affect page display but will not affect the core functionality of the tool.

11. Limitation of Liability

To the fullest extent permitted by applicable Indian law, GST Surrogate, its owners, operators, and contributors shall not be liable for:

• Any errors, omissions, or inaccuracies in extracted GST data
• Any financial loss, loan rejection, tax penalty, or legal consequence arising from reliance on Service output
• Any incorrect loan eligibility estimate or credit-related decision made based on this tool
• Loss of data due to technical failures, service outages, or interruptions
• Any indirect, incidental, consequential, or punitive damages of any kind
• Unauthorised access to or alteration of your data due to third-party actions

Your sole remedy for dissatisfaction with the Service is to discontinue use of it.

12. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, upgrades, or technical issues beyond our control. We are not liable for any inconvenience, loss, or damage caused by service downtime or unavailability.

13. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Service following the posting of changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or the use of the Service shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra, India.

15. Contact

For questions about these Terms, please contact us at:
📧 legal@yourdomain.in
🌐 Contact Form