Welcome to Rinza AI ("Rinza AI", "we", "our", or "us"). These Terms and Conditions ("Terms") govern your access to and use of the Rinza AI website, mobile application, and related services (collectively, the "Service"), which provide AI-assisted financial analysis, income management, credit card recommendations, and Income Tax Return ("ITR") preparation tools for users in India.
By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.
1. Eligibility
You must be at least 18 years old and a tax resident of India to use the Service. By using Rinza AI you represent that the information you provide is accurate and that you are legally permitted to enter into this agreement.
2. Nature of the Service — No Financial Advice
Rinza AI is an artificial intelligence software tool. It is NOT a human financial advisor, chartered accountant, tax consultant, broker, or investment adviser. Rinza AI is not registered as a SEBI Registered Investment Advisor (RIA), Research Analyst, Stock Broker, or any other intermediary regulated under the Securities and Exchange Board of India Act, 1992.
All outputs — including tax estimates, regime comparisons, credit card suggestions, insurance recommendations, ITR drafts, and chatbot responses — are informational and educational in nature only. They do not constitute investment advice, tax advice, legal advice, or a personal recommendation under any applicable law including SEBI (Investment Advisers) Regulations, 2013.
You must independently verify all information and consult a qualified Chartered Accountant (CA), tax professional, or SEBI-registered adviser before acting on any output, especially for high-value, complex, or business income matters.
3. ITR Filing & Tax Calculation Disclaimer
Rinza AI helps you organise income, deductions, and tax computations for filing under the Income-tax Act, 1961. While we use best efforts to align with the latest provisions for FY 2026-27 (AY 2027-28), tax laws change frequently and individual circumstances vary.
You are solely responsible for the accuracy, completeness, and timely filing of your ITR and any associated tax payments, interest, or penalties. Rinza AI does not guarantee that any computation, regime selection, deduction, or filed return is free from error or that it will be accepted by the Income Tax Department of India without scrutiny, notice, demand, or refund adjustment.
4. Credit Card & Financial Product Recommendations
Recommendations for credit cards, insurance, or other third-party financial products are generated algorithmically based on the data you share. Rinza AI may earn an affiliate commission when you apply through our links. This does not increase the cost to you, but you should compare offers independently. Final approval, terms, fees, and interest rates are determined solely by the issuing bank or insurer.
5. Your Account & Data Accuracy
You are responsible for safeguarding your login credentials and for all activity under your account. You must provide accurate PAN, income, and identity information. False or misleading data may produce incorrect tax outputs for which Rinza AI bears no liability.
6. Premium Features & Referrals
Some features are unlocked via paid subscription or by successfully referring three (3) friends who create verified accounts. We may modify referral thresholds, premium entitlements, or pricing at any time with reasonable notice.
7. Acceptable Use
- Do not upload another person's PAN, Aadhaar, or financial documents without consent.
- Do not attempt to reverse engineer, scrape, or overload the Service.
- Do not use the Service for money laundering, tax evasion, or any unlawful purpose.
- Do not misrepresent AI-generated outputs as professional certified advice to others.
8. Intellectual Property
All software, models, content, branding, and design of Rinza AI are owned by us or our licensors. You receive a limited, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes.
9. Limitation of Liability
To the maximum extent permitted by Indian law, Rinza AI, its founders, employees, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to: incorrect tax computations, missed deadlines, additional tax demands, interest under sections 234A/B/C, penalties under sections 270A/271, scrutiny notices, denial of refunds, loss of credit card rewards, rejected loan applications, or any investment loss arising from reliance on the Service.
Our aggregate liability for any claim relating to the Service shall not exceed the fees actually paid by you to Rinza AI in the twelve (12) months preceding the event giving rise to the claim, or ₹1,000, whichever is lower.
10. Indemnity
You agree to indemnify and hold Rinza AI harmless from any claims, damages, or expenses arising out of your misuse of the Service, breach of these Terms, or violation of any applicable law, including the Income-tax Act, 1961 and SEBI regulations.
11. Suspension & Termination
We may suspend or terminate your access at any time for breach of these Terms, suspected fraud, or to comply with law. You may delete your account at any time by writing to support@rinzaai.com.
12. Governing Law & Jurisdiction
These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts at Bengaluru, Karnataka.
13. Changes to these Terms
We may update these Terms from time to time. Material changes will be notified via the Service or email. Continued use after such notice constitutes acceptance.
14. Contact
Questions? Email support@rinzaai.com.