Terms of Service

Last updated: April 21, 2026

1. Acceptance of Terms

By creating an account or using any part of Quipu AI Accounting ("Quipu", "the Service"), operated by Quipu Software Solutions ("we", "us", "our"), you agree to be bound by these Terms of Service. If you are using Quipu on behalf of a business, you represent that you have the authority to bind that entity to these terms.

2. Description of Service

Quipu is a cloud-based GST accounting and compliance platform that provides:

  • GST-compliant invoicing (sales, purchase, credit notes, debit notes)
  • Automated GST return generation (GSTR-1, GSTR-3B, GSTR-9)
  • AI-powered invoice scanning and data extraction
  • ITC tracking and reconciliation
  • Bank reconciliation and payment management
  • Multi-company and multi-GSTIN management
  • Financial reporting and GST analytics

3. Account Registration

  • You must provide accurate and complete information during registration.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You must immediately notify us of any unauthorised use of your account.
  • One person or legal entity may maintain only one account per company/GSTIN.
  • You must be at least 18 years of age to create an account.

4. Subscription & Payments

4.1 Plans & Billing

  • Access to Quipu requires an active paid subscription.
  • Subscription plans and pricing are displayed on our Pricing page.
  • Subscriptions are billed in advance on a monthly or annual basis as selected during purchase.
  • All prices are in Indian Rupees (INR) and inclusive of applicable GST.

4.2 Payment Processing

  • Payments are processed securely through Razorpay.
  • We accept UPI, credit/debit cards, net banking, and other methods supported by Razorpay.
  • Failed payments may result in temporary suspension of your account until payment is resolved.

4.3 Plan Changes

  • You may upgrade your plan at any time. The price difference will be prorated.
  • Downgrades take effect at the end of your current billing period.
  • If you exceed the limits of your current plan, you will be prompted to upgrade.

5. Acceptable Use

You agree to use Quipu only for lawful business accounting purposes. You must not:

  • Use the Service to generate fraudulent invoices or false GST returns
  • Attempt to access other users' data or breach the schema isolation
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service
  • Use automated scripts, bots, or scrapers to access the Service
  • Upload malicious files, viruses, or harmful content
  • Resell, sublicense, or redistribute the Service without written permission
  • Use the Service in any way that violates applicable Indian laws or regulations

6. Your Data

6.1 Ownership

You retain full ownership of all business data, invoices, financial records, and documents you upload or create using Quipu. We claim no ownership over your data.

6.2 Data Processing

By using Quipu, you grant us a limited licence to process your data solely for the purpose of providing the Service, including AI-powered features like invoice scanning and automated return generation.

6.3 Data Export

You may export your data at any time in standard formats (Excel, PDF, JSON) through the platform's export features.

6.4 Data Deletion

Upon account cancellation, your data is retained for 90 days and then permanently deleted. You may request immediate deletion by contacting support, subject to legal retention requirements.

7. Service Availability

  • We strive for 99.9% uptime but do not guarantee uninterrupted service.
  • Scheduled maintenance will be communicated at least 24 hours in advance.
  • We are not liable for downtime caused by factors outside our control (internet outages, third-party service failures, force majeure).

8. Intellectual Property

The Quipu platform, including its design, code, AI models, features, and branding, is the intellectual property of Quipu Software Solutions. Your subscription grants you a non-exclusive, non-transferable right to use the Service during your subscription period.

9. Limitation of Liability

  • Quipu is an accounting tool to assist with GST compliance. We are not a Chartered Accountant firm and do not provide tax advisory services.
  • While we strive for accuracy in tax calculations and return generation, you are ultimately responsible for verifying and filing your GST returns.
  • Our total liability for any claim arising from the Service shall not exceed the amount you paid for the Service in the 12 months preceding the claim.
  • We are not liable for indirect, incidental, consequential, or punitive damages, including loss of profits or data corruption.

10. Account Suspension & Termination

We may suspend or terminate your account if:

  • You violate these Terms of Service
  • Your subscription payment fails and remains unresolved for 15 days
  • We detect fraudulent or illegal activity on your account
  • Required by law or a court order

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period.

11. Dispute Resolution

  • These terms are governed by the laws of India.
  • Any disputes shall first be attempted to be resolved through amicable negotiation.
  • If negotiation fails, disputes shall be resolved through arbitration in Bangalore, Karnataka, under the Arbitration and Conciliation Act, 1996.
  • The courts of Bangalore, Karnataka shall have exclusive jurisdiction.

12. Changes to Terms

We may modify these Terms from time to time. Material changes will be notified via email or in-app notification at least 30 days before they take effect. Continued use after changes take effect constitutes acceptance of the updated terms.

13. Contact

For questions about these Terms, contact us at: