Terms of Service

Rizu provides accounting-as-a-service to Indian businesses. Our services include: - Book-keeping and accounting (double-entry, accrual basis) - GST compliance (GSTR-1, GSTR-3B, GSTR-9 filing) - TDS computation and return filing - Payroll processing, PF & ESI computations - Financial reporting (Trial Balance, P&L, Balance Sheet, Cash Flow, Fund Flow) - MIS reports and advanced financial analytics - Bank reconciliation (CSV & Excel import, automatic matching) - Document management with OCR processing - Tally and Zoho Books data synchronisation - E-invoice generation (IRN via GSP) - Sales invoicing with walk-in/cash sale support - Appointment scheduling between clients and accountants - Real-time client portal with submission tracking - Automated workflow: review → approval → posting chain - Monthly recurring tasks (month-end close, GST filing, TDS filing) - Razorpay payment gateway integration for online billing Services are delivered through a combination of trained accountants and our technology platform (client portal, dashboards, automated workflows).

Rizu services are available to: - Indian businesses with a valid PAN - Companies, LLPs, partnerships, sole proprietorships, and trusts registered in India - Businesses with valid GSTIN (if applicable) By signing up, you confirm that you are authorised to enter into this agreement on behalf of your business.

To ensure accurate and timely accounting, you agree to: - Provide complete and accurate business information during onboarding - Upload invoices, receipts, and bank statements in a timely manner - Respond to queries from your assigned accountant within 3 business days - Inform us of any material changes to your business (new GST registrations, entity changes, etc.) - Not share your login credentials with unauthorised persons - Ensure all documents uploaded are authentic and not fabricated Rizu is not responsible for errors arising from incomplete or incorrect information provided by you.

**Plans:** Rizu offers three service tiers — Accountant, Manager, and CFO. Plan details and pricing are available at rizu.digital. **GST:** All prices are exclusive of 18% GST, which will be charged additionally. **Billing:** Monthly, processed through Razorpay. Auto-debit from your chosen payment method. **Grace Period:** If payment fails, you have 7 days to update your payment method. Services continue during the grace period. **Late Payment:** After the grace period, your account will be suspended. Data is retained but access is restricted until payment is cleared. **No Refunds:** Monthly service fees are non-refundable once the billing cycle has begun. Pro-rata refunds are available only if Rizu terminates services.

New clients receive a 30-day free trial on the CFO plan with full access to all features. - No credit card required to start the trial - Trial includes assignment of a dedicated accountant - At trial end, you must select a paid plan to continue - If no plan is selected, your account moves to view-only mode - Your data is retained for 90 days after trial expiry, then deleted unless you subscribe

We commit to the following service levels: - **Transaction processing:** Within 3 business days of document upload - **GST filing:** At least 3 days before the statutory deadline - **Query response:** Within 24 hours during business days (Mon-Sat, 9 AM - 7 PM IST) - **Platform uptime:** 99.5% monthly (excluding scheduled maintenance) - **Onboarding:** Dedicated accountant assigned within 24 hours of signup If we fail to meet these levels due to our fault, you are entitled to a pro-rata credit for the affected period.

**Our liability:** Rizu is liable for errors in accounting entries, computations, and filings that result from our negligence. Our total liability is limited to the fees paid by you in the preceding 3 months. **Not our liability:** We are not liable for: - Penalties arising from incorrect or incomplete data provided by you - Delays caused by your failure to provide documents on time - Changes in tax law that affect previously filed returns - Loss of business, revenue, or profits (indirect damages) - Third-party service outages (Razorpay, GSTN, TRACES, banking portals) **Force majeure:** Neither party is liable for delays due to events beyond reasonable control (natural disasters, government actions, internet outages).

**Your data:** You own all your financial data, documents, and business information. We claim no ownership over your data. **Our platform:** Rizu owns all intellectual property rights in the platform, including software, design, algorithms, and processes. Your subscription grants you a limited, non-transferable licence to use the platform. **Feedback:** Any suggestions or feedback you provide about the platform may be used by Rizu without obligation.

**By you:** You may terminate services with 30 days written notice to hello@rizu.digital. Upon termination: - We will complete any pending filings for the current period - Your complete data will be exported and provided to you - Access to the portal will be revoked after data handover - Statutory data retained for 8 years as required by law **By Rizu:** We may terminate services with 30 days notice if: - Payment is overdue by more than 30 days - You provide fraudulent or illegal documents - You violate these terms materially - Continuing the engagement poses legal risk to Rizu **Immediate termination:** We may suspend services immediately if we discover illegal activity or fraud in your accounts.

Both parties agree to keep confidential all information received from the other party. This obligation survives termination of services for a period of 5 years. Rizu personnel access your data only on a need-to-know basis. All team members sign non-disclosure agreements before accessing client data.

**Governing Law:** These terms are governed by the laws of India. **Arbitration:** Any dispute arising from these terms shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted in Chennai, Tamil Nadu, in English, by a sole arbitrator mutually appointed. **Jurisdiction:** Subject to arbitration, the courts of Chennai shall have exclusive jurisdiction.

For any queries regarding these terms: **Vivac Business Consultants LLP** Email: hello@rizu.digital Subject line: Terms Query — [Your Company Name]