Effective Date: 01-08-2026

Welcome to Revflow

These Terms & Conditions ("Terms") govern your access to and use of Revflow, including its website, software platform, applications, products, features, and related services (collectively, the "Platform"). Revflow is owned and operated by Fintide Technologies Private Limited ("Fintide", "Company", "we", "our", or "us"). By creating an account, accessing, browsing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy and any additional terms applicable to specific services or features. If you do not agree with these Terms, you must discontinue use of the Platform immediately.

1. About Revflow

Revflow is a Software-as-a-Service (SaaS) platform that enables businesses to manage and streamline their accounts receivable and overdue invoice recovery processes through structured workflows, payment reminders, communication management, negotiation tracking, dispute management, reporting, and related operational tools. Revflow is a technology platform designed to support businesses in managing their own recovery workflows.

Revflow does not:

act as a debt collection agency;

provide legal representation or legal advice;

function as a lender or financial institution;

guarantee invoice recovery or payment;

act as an arbitrator or mediator between parties;

become a party to any commercial transaction between users and their customers.

All commercial relationships remain solely between the businesses using the Platform.

2. Acceptance of These Terms

By accessing or using Revflow, you confirm that:

you are legally capable of entering into a binding agreement;

you are authorised to act on behalf of the business registering on the Platform;

all information provided by you is accurate and complete;

you will comply with these Terms and all applicable laws.

If you use Revflow on behalf of a company, organisation, partnership, LLP, proprietorship, trust, or other legal entity, you represent that you have the authority to bind that entity to these Terms.

3. Electronic Acceptance

You acknowledge and agree that your acceptance of these Terms may be evidenced electronically. Creating an account, clicking buttons such as "Sign Up," "Create Account," "Continue," "Accept," or accessing or using the Platform constitutes your legally binding acceptance of these Terms. Electronic acceptance shall have the same legal effect as a handwritten signature.

4. Eligibility

To use Revflow, you must:

be at least eighteen (18) years of age;

possess the legal capacity to enter into contracts;

register using accurate information;

use the Platform only for lawful business purposes.

We reserve the right to refuse access, suspend accounts, or terminate services if we believe a user is ineligible or has violated these Terms.

5. User Accounts

Certain features require you to create an account.You agree to:

provide complete and accurate registration information;

keep your information updated;

maintain the confidentiality of your login credentials;

prevent unauthorised access to your account;

notify us immediately if you suspect unauthorised access.

You are solely responsible for all activities carried out through your account, whether authorised by you or not. If multiple employees or representatives access your account, your organisation remains responsible for their actions.

6. Platform Services

Depending on your subscription plan and product updates, Revflow may offer features including:

Invoice management

Overdue invoice management & tracking

Payment reminder workflows

Email communication management

Reporting and dashboards

Data insights, etc.

Additional products and services introduced from time to time

Features may vary between plans and may change as the Platform evolves.

7. User Responsibilities

You are solely responsible for:

all invoices uploaded to the Platform;

accuracy of invoice information;

supporting documentation;

payment records;

customer information;

communications initiated through the Platform;

maintaining necessary permissions to upload and process information.

You agree that all information submitted through Revflow shall be truthful, accurate, complete, and lawful. You must ensure that your use of the Platform complies with all applicable laws, contractual obligations, and regulatory requirements.

8. Accuracy of Information

Revflow operates based on information provided by users. Fintide does not verify:

invoices;

payment obligations;

customer identities;

contractual arrangements;

settlement amounts;

supporting documents uploaded by users.

You acknowledge that any decisions made using the Platform are based upon information supplied by you or other authorised users. Fintide shall not be responsible for inaccuracies, omissions, fraudulent information, or disputes arising from information uploaded by users.

9. Communications Through Revflow

The Platform may facilitate communications including:

payment reminders;

follow-up emails;

overdue notifications;

negotiation requests;

dispute-related communications;

payment confirmations;

workflow notifications.

By using these features, you authorise Revflow to transmit communications on behalf of your organisation.

You remain solely responsible for:

the content of communications;

the legal basis for such communications;

the recipients selected;

compliance with applicable laws governing electronic communications.

Revflow does not guarantee delivery, recipient response, payment, settlement, or recovery.

10. Negotiation and Dispute Workflows

The Platform may enable businesses to conduct structured negotiations and manage payment disputes. These tools exist solely to facilitate communication and workflow management.
Fintide:

is not a party to any negotiation;

does not verify the claims of either party;

does not recommend settlement terms;

does not guarantee payment;

does not provide mediation, arbitration, or legal services.

Any settlement reached through or outside the Platform remains entirely between the participating businesses. Neither Fintide nor Revflow assumes responsibility for any commercial decisions made by users.

11. Subscription, Billing and Payments

Certain features of the Platform may require a paid subscription. Where applicable, subscription plans, pricing, billing frequency, payment methods, usage limits, and applicable taxes will be communicated before purchase. Unless otherwise specified:

subscription fees are payable in advance;

subscriptions may renew automatically unless cancelled before the renewal date;

you authorise us or our payment partners to charge the applicable subscription fees;

taxes, duties, levies, or government charges applicable to your subscription shall be your responsibility unless expressly stated otherwise.

Failure to make timely payment may result in suspension or termination of your access to paid features. Fintide reserves the right to revise pricing, subscription plans, or available features from time to time. Any pricing changes will apply prospectively and, where required, users will be notified in advance.

12. Third-Party Services and Integrations

Revflow may integrate with or provide access to third-party products and services, including but not limited to:

accounting software;

payment gateways;

cloud infrastructure providers;

email service providers;

identity verification providers;

analytics tools; and

other business software.

These integrations are provided for convenience only. Your use of any third-party product or service is governed by the terms, conditions, and privacy policies of the respective third party. Fintide does not control and is not responsible for the availability, accuracy, security, functionality, or performance of third-party services.

13. Intellectual Property

The Platform, including its software, source code, object code, user interface, workflows, visual designs, logos, trademarks, graphics, content, documentation, databases, and all related intellectual property rights, are owned by or licensed to Fintide Technologies Private Limited. Nothing contained in these Terms transfers ownership of any intellectual property to you. Subject to these Terms, Fintide grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your internal business purposes.

Except where expressly permitted, you shall not:

copy or reproduce any part of the Platform;

reverse engineer, decompile, or disassemble the software;

modify or create derivative works;

sublicense, lease, rent, or resell the Platform;

remove proprietary notices or trademarks; or

use the Platform to develop a competing product or service.

14. Business Data and Ownership

You retain ownership of the invoices, documents, customer information, communications, and other business data that you upload to the Platform. By using Revflow, you grant Fintide a limited, worldwide, non-exclusive licence to host, store, process, transmit, display, back up, and otherwise use such information solely for the purpose of:

providing the Platform;

maintaining and securing the Platform;

improving our products and services;

complying with applicable legal obligations.

We may also generate aggregated and anonymised insights derived from Platform usage for analytics, benchmarking, research, reporting, and product improvement. Such information will not identify your business or your customers unless you have expressly authorised us to do so.

15. Privacy

Your privacy is important to us.
Our collection, use, storage, processing, and protection of personal information are governed by our Privacy Policy, which forms an integral part of these Terms. By using the Platform, you acknowledge that you have read and understood our Privacy Policy.

16. Acceptable Use

You agree not to use the Platform to:

violate any applicable law or regulation;

upload false, misleading, fraudulent, or unlawful information;

infringe the intellectual property or other rights of any person;

impersonate another individual or organisation;

transmit spam, malicious software, or harmful code;

interfere with the operation or security of the Platform;

attempt to gain unauthorised access to accounts, systems, or networks;

misuse communication features;

conduct activities that may harm Fintide, other users, or third parties.

We reserve the right to investigate suspected misuse and take appropriate action, including suspension or termination of accounts.

17. Platform Availability

We strive to maintain a reliable and secure Platform. However, we do not guarantee uninterrupted, error-free, or continuous availability. The Platform may occasionally become unavailable due to:

scheduled maintenance;

emergency maintenance;

software updates;

technical failures;

internet connectivity issues;

failures of third-party services;

force majeure events.

Fintide may modify, improve, suspend, discontinue, or replace any feature or functionality of the Platform at any time without creating any obligation to continue providing a specific feature.

18. Data Backup and Retention

Fintide maintains reasonable technical measures to protect Platform data and may perform routine backups for operational continuity.
However, you remain responsible for maintaining independent copies of any business records, invoices, communications, or documents that are important to your business. Fintide shall not be liable for any loss of data resulting from circumstances beyond our reasonable control, including failures caused by third-party infrastructure providers, internet disruptions, cyber incidents, or user actions.

19. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, Fintide disclaims all express, implied, statutory, or other warranties, including warranties relating to:

merchantability;

fitness for a particular purpose;

uninterrupted availability;

accuracy or completeness of information;

recovery success;

payment outcomes;

compatibility with third-party systems;

non-infringement.

Fintide does not warrant that:

overdue invoices will be recovered;

customers will respond to communications;

negotiations will result in settlement;

disputes will be resolved;

the Platform will always operate without interruption or error.

Your use of the Platform is entirely at your own risk.

20. Limitation of Liability

To the maximum extent permitted by applicable law, Fintide shall not be liable for any indirect, incidental, special, exemplary, consequential, or punitive damages, including but not limited to:

loss of profits;

loss of revenue;

business interruption;

loss of goodwill;

loss of customers;

loss of business opportunities;

loss of anticipated savings;

loss or corruption of data.

Fintide shall also not be liable for losses arising from:

inaccurate information uploaded by users;

actions or omissions of third parties;

payment defaults by customers;

contractual disputes between businesses;

unauthorised access resulting from compromised user credentials.

In no event shall Fintide's aggregate liability arising from or relating to these Terms exceed the total subscription fees actually paid by you to Fintide during the twelve (12) months immediately preceding the event giving rise to the claim.

21. Indemnification

You agree to defend, indemnify, and hold harmless Fintide, its directors, officers, employees, affiliates, licensors, partners, and representatives from and against any claims, damages, liabilities, losses, costs, expenses, or legal fees arising out of or relating to:

your use of the Platform;

your breach of these Terms;

violation of applicable laws;

infringement of third-party rights;

inaccurate, unlawful, or misleading information uploaded by you;

disputes between you and your customers or counterparties.

22. Suspension and Termination

Fintide may suspend, restrict, or terminate your access to the Platform immediately if:

you breach these Terms;

payment obligations remain outstanding;

fraudulent, illegal, or abusive activity is suspected;

your use poses a security or operational risk;

required by law or regulatory authorities;

continued access may adversely affect the Platform or other users.

You may stop using the Platform and close your account at any time, subject to any outstanding payment obligations. Termination or suspension shall not affect any rights, obligations, or liabilities that have accrued prior to such termination, including payment obligations, intellectual property rights, confidentiality obligations, or provisions intended to survive termination.

23. Beta Features

From time to time, Fintide may introduce features, tools, integrations, or services that are identified as beta, preview, early access, pilot, or experimental ("Beta Features"). Beta Features are made available for evaluation purposes only and may:

contain bugs, defects, or errors;

change substantially before general release;

be modified or discontinued without prior notice;

have limited functionality or support.

Beta Features are provided "as is" without warranties of any kind, and Fintide shall not be liable for any loss or damage arising from their use.

24. Changes to the Platform

We are continually improving Revflow to better serve our users. Accordingly, Fintide reserves the right to:

add new features;

modify existing functionality;

discontinue features;

introduce usage limits;

update user interfaces;

enhance security measures;

change technical requirements.

Where reasonably practicable, we will provide advance notice of material changes that significantly affect your use of the Platform. Nothing in these Terms shall obligate Fintide to continue providing any particular feature, service, or functionality indefinitely.

25. Confidentiality

During the course of using the Platform, both you and Fintide may receive confidential or proprietary information relating to business operations, invoices, customers, pricing, commercial arrangements, technology, product plans, security practices, or other non-public information ("Confidential Information"). Each party agrees to:

use Confidential Information solely for the purposes intended;

protect such information using reasonable administrative, technical, and organisational safeguards;

not disclose Confidential Information to third parties except where required by law or with prior written consent.

Confidential Information shall not include information that:

is publicly available without breach of these Terms;

was lawfully known before disclosure;

is independently developed without use of Confidential Information; or

is lawfully obtained from another source.

These confidentiality obligations survive termination of these Terms.

26. Force Majeure

Fintide shall not be liable for any delay or failure in performing its obligations where such delay or failure results from circumstances beyond its reasonable control. These circumstances include, but are not limited to:

natural disasters;

floods;

earthquakes;

fire;

pandemics or public health emergencies;

war or civil unrest;

terrorism;

government actions or regulatory restrictions;

internet outages;

failures of telecommunications providers;

cyber attacks;

cloud infrastructure failures;

widespread power outages;

labour disputes or strikes.

During the occurrence of a Force Majeure event, Fintide's obligations shall be suspended to the extent reasonably necessary.

27. Feedback

We welcome your suggestions for improving Revflow.
If you provide comments, ideas, suggestions, enhancement requests, feature requests, or other feedback regarding the Platform ("Feedback"), you grant Fintide a perpetual, irrevocable, worldwide, royalty-free, transferable licence to use, modify, reproduce, distribute, commercialise, and incorporate such Feedback into our products or services without restriction or compensation. Providing Feedback does not create any obligation for Fintide to implement or acknowledge such suggestions.

28. Assignment

You may not assign, transfer, delegate, or otherwise dispose of your rights or obligations under these Terms without our prior written consent. Fintide may assign or transfer these Terms, in whole or in part, in connection with:

a merger;

acquisition;

corporate restructuring;

sale of assets;

financing transaction; or

change in ownership.

These Terms shall remain binding upon the permitted successors and assigns of both parties.

29. Changes to these Terms

Fintide may update or revise these Terms from time to time to reflect changes in our services, legal requirements, security practices, or business operations.
The latest version will always be available on the Platform and will include the revised effective date. Where changes materially affect your rights or obligations, we will make reasonable efforts to notify you through the Platform, email, or other appropriate means. Your continued use of Revflow after the revised Terms become effective constitutes your acceptance of those updated Terms.

30. Entire Agreement

These Terms, together with our Privacy Policy, Refund & Cancellation Policy, Cookie Policy (where applicable), and any additional terms governing specific services or subscription plans, constitute the entire agreement between you and Fintide regarding your use of the Platform.
They supersede all prior discussions, communications, proposals, understandings, and agreements relating to the same subject matter.

31. Severability

If any provision of these Terms is determined by a court or competent authority to be invalid, illegal, or unenforceable, that provision shall be interpreted to reflect its original intent as closely as possible.
The remaining provisions shall continue in full force and effect.

32. Waiver

Failure by Fintide to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other rights.
Any waiver shall be effective only if made expressly in writing by an authorised representative of Fintide.

33. Survival

The provisions relating to, including but not limited to:

Intellectual Property;

Business Data;

Confidentiality;

Subscription Payments;

Disclaimer of Warranties;

Limitation of Liability;

Indemnification;

Governing Law;

Dispute Resolution; and

any provisions that by their nature are intended to survive,

shall remain in effect even after your account is suspended, terminated, or you otherwise cease using the Platform.

34. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of India.
Any dispute, controversy, or claim arising out of or relating to these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the competent courts located in Gurugram, Haryana, India, unless otherwise required by applicable law.

35. Contact Us

If you have any questions regarding these Terms or the Platform, please contact us using the details below.
Fintide Technologies Private Limited
Website: https://fintide.in
Email: contact@fintide.in
For legal notices or formal correspondence, please write to the registered office of Fintide Technologies Private Limited.

By continuing to access or use Revflow, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.