Terms & Conditions

1. What the Service does

LTCG Harvest is software that imports broker trade and holdings files, reconstructs FIFO cost basis lots, reconciles holdings, and estimates long-term and short-term capital gains and Section 112A exemption utilisation for Indian listed equity. It is a calculation and record-keeping tool only.

2. No financial, investment or tax advice

All figures produced by the Service are estimates generated from data you supply. They are provided for general and educational purposes only and are not financial, investment, legal or tax advice, and are not a recommendation to buy or sell any security. Tax law changes, and results depend on the accuracy and completeness of your imported trades, holdings, corporate actions, fair market values and charges. You are solely responsible for your investment and filing decisions and should verify all figures with a qualified tax professional.

3. Your account

You must provide accurate information and keep it up to date. You are responsible for keeping your credentials confidential and for all activity under your account.

4. Acceptable use

You must not:

• use the Service unlawfully or for fraud, spam or abuse;
• infringe anyone's intellectual property or privacy rights;
• interfere with the security or integrity of the Service, including introducing malware, probing, scanning, scraping or circumventing technical limits;
• reverse engineer, resell or redistribute the Service; or
• share your paid access with people outside your subscription.

5. Licence and intellectual property

We grant you a limited, non-exclusive, non-transferable right to use the Service within your selected plan. We retain ownership of the Service and all associated intellectual property, including software, documentation and branding. You retain ownership of the portfolio data you import; you grant us a limited licence to process it solely to provide the Service.

6. Payment and billing

LTCG Harvest Pro is sold by Swapnil Popat as a one-time purchase of a fixed access period (1 month or 12 months). There is no auto-renewal and no recurring mandate: access simply lapses at the end of the period unless you buy another pass. Prices are shown in Indian rupees and include applicable taxes.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax and refund mechanics are governed by Paddle's Buyer Terms. We do not receive or store your card or bank credentials.

7. Service level

We aim to keep the Service available but do not guarantee uninterrupted or error-free performance. To the fullest extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

8. Suspension and termination

We may suspend or terminate access for material breach of these terms, non-payment, security or fraud risk, or repeated or serious policy violations. On termination, your right to use the Service ends. Portfolio data held in your browser remains in your browser and can be exported from the Data Management screen at any time.

9. Liability

To the fullest extent permitted by law, our aggregate liability is limited to the fees you paid in the twelve months before the claim. We exclude liability for indirect, consequential or special damages, including loss of profits, data or goodwill. Nothing here excludes liability for fraud, death or personal injury where it cannot lawfully be excluded. You indemnify us against claims arising from your content, unlawful use or breach of these terms.

10. General

These terms are governed by the laws of India, and the courts of India have jurisdiction over disputes. You may not assign this agreement without our consent; we may assign it in connection with a merger or acquisition. Neither party is liable for delays caused by events beyond its reasonable control. We may update these terms and will post the revised version here.

11. Contact

Questions about these terms: support@finance.swapnilpopat.in