Terms of Service

SpinalFluid is an AI agent that reads your tax documents, reconciles every figure against the records the income-tax department holds, computes your tax under both regimes, and prepares and files your Indian income-tax return. You remain the taxpayer and are responsible for the return filed in your name.

You confirm that the documents you provide (Form 16, AIS, 26AS, broker and bank statements, and the like) are genuine and complete, and that you are authorised to file the return. The agent computes from what you give it; an omitted source or an incorrect document will produce an incorrect return.

To retrieve your tax data, including your Annual Information Statement, Form 26AS, salary prefill, and related records held by the income-tax department, SpinalFluid may access the income-tax portal on your behalf. This access is carried out using a one-time password that the portal sends to your own registered mobile number, which you then provide to SpinalFluid for that session alone.

By providing a one-time password, you explicitly appoint SpinalFluid as your authorised agent for the limited purpose of: (a) reading your tax information from the portal, and (b) submitting your return where you have separately reviewed and approved it. This appointment is revocable at any time by not providing a one-time password for a new session.

We do not ask for or store your portal password. A one-time password is used once, for the session you initiated, and is not retained after that session ends. We do not use access obtained through your credentials for any purpose other than the ones you authorise above.

You confirm that you are the lawful holder of the PAN and the portal account being accessed, and that you are granting this access freely and with full understanding of its scope. SpinalFluid is not liable for portal downtime or unavailability, for data the department holds that differs from your own records, for any change the income-tax department makes to the portal that disrupts this access, or for any administrative action the department takes in relation to your account independently of SpinalFluid.

A return is filed only after you review and approve it. Nothing is submitted on your behalf without that explicit approval. You can stop at any point before approval and no return will be filed.

SpinalFluid is software that applies the law as data; it is not a chartered accountant and does not provide professional tax or legal advice. For a contested position or a complex matter, consult a qualified professional.

You pay once per reconciled return, billed in INR, with no subscription. The service is provided as is; to the extent permitted by law, our liability is limited to the fee you paid for the return in question. We may suspend accounts that abuse the service or submit unlawful filings.