Terms of Service

Vyavsay AI is an assistant for small business owners in India. You can ask it questions, and it can research and write reports on funding options, compliance obligations, market demand, and business ideas. It searches public sources and cites what it finds.

It also offers tools that work from fixed rules rather than from an AI model: a scheme eligibility check, a filing calendar, registration checklists, and a GST invoice maker. Each states the date its rules were last checked against the official source.

It is an information service, and nothing more. It is not a lender, not a broker, not a government portal, not an agent of any authority, and not a substitute for a professional.

This is the most important section in this document, so it is the plainest.

Nothing Vyavsay AI produces is legal, tax, financial, or investment advice. Reports and chat answers are generated by an AI model from sources it found on the public web. Those sources can be incomplete, out of date, or wrong, and the model can misread them. The rule-based tools are only as current as the date they show: rules and deadlines change, and the government often extends a deadline by notification.

• Verify before you act. Every figure, deadline, eligibility rule, and fee should be confirmed with the issuing authority, the lender, or the official portal before you rely on it. Each report says this too, and lists the sources so you can.
• No eligibility is decided here. A report saying you appear to qualify for a scheme is not an approval, a sanction, a quote, or a promise from anyone. Only the scheme or lender decides that.
• No compliance certificate. A compliance report is not a certificate, a filing, or proof of anything. Thresholds and due dates change, and your specific facts may change what applies. Confirm with a chartered accountant or company secretary.
• You are responsible for your invoices. The invoice maker does the arithmetic, but the GST rate, the HSN or SAC code, the place of supply and every other detail on an invoice are yours to get right. It does not produce an e-invoice: if your business must issue e-invoices through the Invoice Registration Portal (currently, turnover above ₹5 crore), an invoice from this tool is not enough on its own.
• Estimates are arithmetic, not forecasts. Where a report projects costs, revenue, or a break-even, it is illustrative and marked as such. It is not a prediction of what your business will do.
• Decisions are yours. If you register a business, sign a lease, take on debt, give up equity, or commit capital, you do so on your own judgement and at your own risk.

Be especially careful with money. Borrow only from RBI-regulated lenders. Anyone promising guaranteed approval, no documentation, or a fee before sanction should be treated as a fraud risk, whatever a report may have said about a scheme.

You need an account, with a confirmed email address or a verified mobile number, to use the assistant and the researched reports. The rule-based tools and the public market snapshots work without one. You are responsible for keeping your sign-in details to yourself and for what happens under your account. An account is for one person or one business; it is not to be shared between different businesses.

You must be old enough to enter a contract under Indian law, and if you are using Vyavsay AI on behalf of a business, you must be authorised to do so.

The quality of what you get back depends on what you tell it. If the business details you give are wrong, the answers built on them will be wrong too.

Researched reports cost real money to produce (each one is several web searches and several model calls), so each plan includes a set number of them, and there are also limits on how many you can run per hour and per day. The app shows you what you have left. Limits on the Free plan may change as we learn what normal use looks like; what a paid plan includes will not be reduced during a period you have already paid for.

Please do not:

• Use automated means to send requests, or work around the limits.
• Resell the service, or pass its output off as your own professional advice to clients.
• Use it to do anything unlawful, or to seek help with evading tax or regulation.
• Attempt to extract the underlying prompts, or to make the model behave outside what the service is for.
• Upload other people's personal information that you have no right to share.
• Open several accounts to get more of the Free plan, or share one paid account between different businesses.

Vyavsay Pro is sold monthly, as a subscription paid by UPI AutoPay or card, or for a year, as one payment. The price, and what each plan includes, is shown on the pricing page and in the app before you pay. Payments are processed by Razorpay; we never see or store your card or UPI details.

A monthly plan renews automatically each month until you stop it. Your bank or UPI app notifies you at least 24 hours before each charge. You can stop renewing at any time from Your plan in the app, and you keep Pro until the end of the month already paid for. A yearly plan does not renew by itself.

If a monthly payment fails, we may keep Pro on while the payment is retried. If it cannot be collected, the account moves to Free. Nothing you have saved is deleted.

Refunds are set out in the Cancellation and Refund Policy, which is part of these terms. A refunded payment ends the access it paid for.

No GST is charged, because Devity is not registered under GST. If that changes, we will tell you before any charge that includes it, and a change of price never applies to a subscription already running: it takes effect only on a new purchase.

What you write stays yours. Your messages and your business details belong to you. We store them so the service works: so your conversations are still there when you come back, and so you do not have to repeat your turnover every time. What we do with them is set out in the Privacy Policy, which is part of these terms.

The reports you generate are yours to use. Keep them, print them, and take them to your accountant or your bank. We ask only that you do not present them as professional advice from us, or strip the sources and caveats off them before passing them on.

Reports written for the public market snapshot pages are published on this site and readable by anyone, including by people who never signed in. Those pages are about a city and a line of business, never about your business or your figures.

The service itself, including the software, the design, the name, and the way reports are put together, remains ours.

We will try to keep the service running and useful, but we do not promise that it will always be available, uninterrupted, or free of errors. We may change features, add or tighten limits on the Free plan, or stop offering the service. What a paid plan includes will not be reduced during a period you have already paid for. If we plan to shut the service down, we will give reasonable notice so you can take your data with you, and refund the unused part of any paid period.

Vyavsay AI depends on third parties, including Google Cloud, Google's AI models, Neon, Cloudflare and Razorpay. An outage or change on their side can affect it.

You can stop using Vyavsay AI at any time, and you can ask us to delete your account and your data. See the Privacy Policy for how. If you have a monthly Pro plan, stop it from Your plan first, so that nothing more is charged.

We may suspend or close an account that breaks these terms, that is being used to abuse the service, or where we are required to by law. Where it is reasonable to, we will tell you why. If we close a paid account because it broke these terms, the period already paid for is not refunded. If we close a paid account for any other reason, or stop offering Pro, we refund the unused part of what you paid.

The service is provided as is, without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose.

To the fullest extent Indian law allows, we are not liable for indirect or consequential loss, or for lost profits, lost business, lost savings, or lost opportunity, including where these follow from a figure, deadline, or eligibility statement in a report turning out to be wrong.

Nothing in these terms limits any liability that cannot lawfully be limited, including for fraud, or for death or personal injury caused by negligence.

Where the service has been paid for, our total liability is limited to what you paid us in the twelve months before the claim. Where it has been provided free of charge, no fee has been paid, and our liability is limited accordingly.

We may update these terms. The date at the top says when they last changed. If a change materially reduces your rights, we will tell you in the app or by email before it takes effect rather than relying on you noticing. A change to what a paid plan costs or includes applies from your next billing period at the earliest, and you can stop renewing before then. Continuing to use the service after a change means you accept the updated terms.

These terms are governed by the laws of India, and the courts of Bangalore, Karnataka have exclusive jurisdiction over any dispute arising from them.

For any question about these terms: