Terms of Service

01 Agreement and Acceptance

By accessing or using the RegInfra API, website, or any associated services (collectively, "the Service"), you agree to be bound by these Terms of Service ("Terms"). If you are accessing the Service on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not access or use the Service.

RegInfra is operated by its founders ("we", "us", "RegInfra"). The Service is currently in beta and subject to change. These Terms apply to all users, including free trial users, paid subscribers, and integration partners.

02 Description of Service

RegInfra provides a Tax Deducted at Source (TDS) compliance reasoning API built for the Indian market and compliant with the Income Tax Act 2025 (effective 1 April 2026). The Service calculates applicable TDS rates and amounts, stores decision reasoning per transaction, and returns structured audit-ready responses.

Current capabilities include TDS calculation and decision storage for Sections 194A, 194B, 194BB, 194C, 194H, and 194J. Additional sections and features may be added over time.

03 Permitted Use

You may use the Service solely for lawful business purposes related to TDS compliance in India. Permitted uses include:

• Integrating the API into your internal payment or accounting systems to calculate TDS at the time of vendor payment
• Storing and retrieving TDS decision records for your own business transactions
• Using the API response as a reference for your own TDS deduction and filing processes
• Evaluating the Service during a free trial for the purpose of deciding whether to subscribe

04 Prohibited Use

You must not use the Service in any of the following ways:

• Reselling, sublicensing, or white-labelling the Service to third parties without written permission from RegInfra
• Using the Service to process transactions on behalf of clients or third parties as a bureau or managed service without a separate agreement
• Attempting to reverse-engineer, scrape, or extract the underlying rule logic, rate tables, or decision models
• Sending requests that exceed your plan's rate limits through automated means intended to circumvent controls
• Using the Service for any unlawful purpose or in violation of applicable Indian law
• Submitting false, fabricated, or test data to the production API environment
• Sharing API keys with parties outside your organisation

05 No Warranty on Tax Accuracy — Important

We make reasonable efforts to keep our rule engine updated with current law, including the Income Tax Act 2025 and applicable Finance Acts. However, we do not warrant that:

• Every output is correct for your specific factual circumstances
• The Service reflects the most recent CBDT circulars, notifications, or judicial interpretations at the exact moment of your request
• The Service is a substitute for professional tax advice

You remain solely responsible for the accuracy of your TDS deductions, filings, and payments. RegInfra shall not be liable for any tax demand, interest, penalty, or notice arising from reliance on the Service's outputs without independent professional verification.

06 API Keys and Account Security

Access to the Service requires an API key issued by RegInfra. You are responsible for:

• Keeping your API key confidential and not exposing it in client-side code, public repositories, or logs
• All API calls made using your key, whether authorised by you or not
• Notifying us immediately at contact@reginfra.com if you suspect your key has been compromised

RegInfra reserves the right to revoke or rotate API keys at any time in response to security concerns, abuse, or non-payment, with or without prior notice depending on the severity of the situation.

07 Rate Limits and Fair Use

Each subscription plan carries a monthly API call limit and a per-minute rate limit. Current limits by plan are as follows:

Bulk Excel uploads count each row as one API call. Requests exceeding the per-minute rate limit will receive a 429 response. We reserve the right to suspend access for patterns of use that are abusive or materially exceed plan limits even within monthly totals.

08 Data Handling and Privacy

When you use the Service, we store the following data per transaction:

• Transaction identifiers, amounts, and dates you provide in the API request
• PAN numbers (masked in logs — only last character and first four characters retained in application logs)
• The TDS decision output and reasoning chain
• Your API key identifier (not the key itself) for attribution

We do not sell your data to third parties. Transaction data is stored in a PostgreSQL database hosted on Render (Singapore region) with encrypted connections. We maintain database backups with point-in-time recovery.

You are responsible for ensuring that any PAN numbers or personal data you submit to the Service are handled in accordance with applicable Indian data protection laws.

09 Service Availability

We target reasonable uptime for the Service and monitor it continuously. However, we do not guarantee any specific uptime SLA during the beta period. The Service may be temporarily unavailable due to maintenance, infrastructure issues, or events outside our control.

We will endeavour to communicate planned maintenance windows in advance via email where possible.

10 Payment and Cancellation

Paid plans are billed monthly in advance in Indian Rupees. Payment terms and methods will be agreed at the time of subscription. Unused API calls do not carry over to the next billing period.

You may cancel your subscription at any time by contacting us at contact@reginfra.com. Cancellation takes effect at the end of the current billing period. We do not offer pro-rated refunds for partial months unless agreed otherwise.

RegInfra reserves the right to change pricing with 30 days' written notice to existing subscribers.

11 Termination

RegInfra may suspend or terminate your access to the Service, with or without notice, if:

• You breach any provision of these Terms
• You fail to pay outstanding amounts after a reasonable notice period
• We reasonably believe your use poses a security or legal risk
• We discontinue the Service

Upon termination, your right to access the Service ceases immediately. You may request an export of your transaction data within 30 days of termination by contacting us at contact@reginfra.com.

12 Limitation of Liability

To the maximum extent permitted by applicable law, RegInfra and its founders shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of revenue, profit, data, or business opportunity arising from use of or inability to use the Service
• Any tax demand, penalty, interest, or enforcement action by any government authority based on your use of the Service
• Any errors or omissions in the TDS calculation outputs

Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the total fees paid by you to RegInfra in the three months preceding the claim.

Nothing in these Terms excludes liability for fraud, wilful misconduct, or any other liability that cannot be limited under applicable Indian law.

13 Intellectual Property

All intellectual property in the Service — including the API, rule engine, decision models, website, and documentation — belongs to RegInfra. These Terms do not grant you any ownership rights. You receive a limited, non-exclusive, non-transferable licence to use the Service solely as described in these Terms.

You retain ownership of your own transaction data submitted to the Service.

14 Governing Law and Disputes

These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

Before initiating any legal proceedings, you agree to attempt to resolve disputes informally by contacting us at contact@reginfra.com. We will make reasonable efforts to resolve disputes within 30 days of written notice.

15 Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated to registered users by email at least 14 days before they take effect. Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of those changes.

The current version of these Terms is always available at reginfra.com/terms.

16 Data Processing and Privacy Requests

RegInfra processes transaction data you submit through the API in order to provide the Service. This includes vendor PAN numbers (masked in logs), payment amounts, transaction identifiers, and TDS decision outputs.

You may request access to, correction of, or deletion of your transaction data at any time by contacting us at contact@reginfra.com. We will respond to data requests within 30 days. Note that certain transaction records may be retained for legal compliance purposes even after a deletion request — Indian tax law requires retention of TDS records for a minimum of 7 years.

If your organisation requires a formal Data Processing Agreement (DPA) before integration, contact us at contact@reginfra.com before using the Service. We will assess DPA requests on a case-by-case basis.

17 Beta Service and Sunset

The Service is currently offered in beta. During the beta period:

• Features, API structure, pricing, and these Terms may change with reasonable notice
• No uptime SLA is guaranteed — we target high availability but do not contractually commit to specific uptime percentages during beta
• We may sunset the beta version of the Service at any time with a minimum of 30 days' written notice to registered users
• On sunset of the beta version, we will provide a data export option so you can retrieve your stored transaction records before termination

The transition from beta to a generally available (GA) version may involve changes to pricing, API endpoints, or these Terms. We will communicate such changes with a minimum of 30 days' notice.

18 Section 206AB — Data Reliance Disclosure

The Service's 206AB applicability check is based on the information you provide in the API request — specifically the is_206ab_applicable field. RegInfra does not independently query the TRACES portal or the Income Tax Department's specified persons list.

You are responsible for:

• Maintaining accurate and current 206AB status for each vendor in your systems
• Updating this status after the annual list refresh (typically post July 31 each year)
• Ensuring the status passed to the API reflects the vendor's actual status on the payment date

19 Contact

For any questions about these Terms, please contact us at: