Terms of Use

UNM One software, UNM One Cloud and the free tools at unmconsultant.com · Version 2.1 · Effective date: 2 October 2026

1. Acceptance of these Terms

1.1 These Terms of Use ("Terms") form a legally binding agreement between you and Mehul Bheda, carrying on business as a sole proprietorship under the name UNM Consultant, with its principal place of business at Office No. 18, 2nd Floor, Jaya Industrial Estate, Carter Road No. 3, Borivali East, Mumbai 400066, Maharashtra, India ("UNM One", "we", "us", "our").

1.2 You accept these Terms by ticking the "I agree" box and selecting "Proceed", or by installing, accessing or using any of the Services. This is an electronic contract under section 10A of the Information Technology Act, 2000, and it is valid without a physical signature. We record the date, time and version of your acceptance.

1.3 If you accept for a business, firm, company or other organisation, you confirm that you are authorised to bind it, and "you" includes that organisation and its users.

1.4 If you do not agree, do not install, access or use the Services.

2. Definitions

In these Terms:

• "App" means the UNM One desktop software, including the free UNM One Billing features, and its updates.
• "Cloud Services" means the subscription modules of UNM One that we host, such as Books, Party Tracker, GST, TDS, MCA, MIS, Payroll, Task & Staff Management, Billing and Inventory Management, when we make them available.
• "Website Tools" means the calculators, articles, notifications, circulars, acts, rules and other content at unmconsultant.com.
• "Services" means the App, the Cloud Services and the Website Tools together.
• "Your Data" means the information you or your users enter into, import into, or generate with the Services.
• "Order" means a subscription order, quotation or online plan selection for the Cloud Services that you accept.

3. Scope and order of precedence

3.1 These Terms apply to all Services. An Order may contain additional commercial terms such as plan, price, users and term. If an Order conflicts with these Terms, the Order prevails only for that specific point.

3.2 Our Privacy Policy explains how personal data is handled and forms part of these Terms.

3.3 If you obtained the App from the Microsoft Store, these Terms are between you and us only. Microsoft is not a party to them and is not responsible for the App or for supporting it.

4. Who may use the Services

4.1 The Services are designed for business and professional use: for running a business, practice or profession, and for maintaining accounts, tax and compliance records. You must be at least 18 years old and legally able to enter into a contract under Indian law.

4.2 You confirm that you use the Services in the course of your business or profession. Nothing in this section removes any right that cannot be excluded under applicable law.

5. Licence to use the App

5.1 Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to install and use the App on devices that you own or control, for your internal business or professional purposes. The UNM One Billing features of the App are currently provided free of charge.

5.2 The App is licensed, not sold. We and our licensors keep all rights not expressly granted to you.

6. Restrictions and acceptable use

You must not, and must not allow anyone else to:

• copy, modify, translate or create derivative works of the Services, except as the law expressly permits;
• reverse engineer, decompile, disassemble or try to discover the source code of the Services, except to the extent the law expressly permits despite this restriction;
• sell, resell, rent, lease, sublicense, distribute or provide the Services to third parties as a service bureau, or share account credentials or subscription seats;
• remove, hide or change any copyright, trademark, confidentiality or other notice;
• bypass, disable or interfere with licensing, security, authentication, usage limits or access controls;
• use the Services to create false, fictitious or misleading invoices, books, returns or records, to claim input tax credit without receiving goods or services, to evade tax, to launder money, or for any other unlawful or fraudulent purpose;
• upload or transmit malware, or content that is unlawful, infringing, defamatory or harmful;
• access the Cloud Services by automated means (scraping, bots, load tests) without our written permission, or impose an unreasonable load on our systems;
• probe, scan or test the vulnerability of the Services without our written permission. Please report suspected vulnerabilities to us responsibly;
• use the Services to build a competing product, or use our content, templates or designs outside the Services;
• use the Services in breach of any applicable law, including tax, data protection, information technology and export control laws.

7. Accounts and security (Cloud Services)

7.1 You must give accurate and complete registration information and keep it up to date.

7.2 You are responsible for your account credentials, for all activity under your account and your users' accounts, and for giving and removing access for your own staff. Cloud sign-in and account security are handled by the Cloud Services; the local billing database does not store a readable cloud password. Tell us immediately at security@unmone.com if you suspect unauthorised use.

7.3 We may require identity, organisation or GSTIN verification, and we may refuse or limit access where we reasonably suspect fraud, misuse or a security risk.

8. Subscriptions, fees and taxes (Cloud Services)

8.1 Fees, plans, user seats and billing periods are set out in your Order or on our pricing page at the time of purchase. Fees are exclusive of GST and other applicable taxes, which you will pay in addition.

8.2 Unless your Order says otherwise, subscriptions renew automatically for the same period. You can cancel renewal at any time before the renewal date. We will give you at least 30 days' notice of any price increase, which will apply from your next renewal.

8.3 Fees are payable in advance. If a payment is overdue, we will notify you. If it remains unpaid 15 days after that notice, we may suspend the Cloud Services until it is paid. Your Data will not be deleted during suspension except as section 26 provides.

8.4 Fees are non-refundable except as stated in our refund policy, in your Order, or where the law requires a refund.

8.5 Where you deduct tax at source from our fees, you must deposit it on time and give us the TDS certificate.

9. Free, trial, beta and "coming soon" features

9.1 Free features, trials and beta or preview features are provided "as is". We may change, limit or withdraw them, giving reasonable notice where practical.

9.2 Features, modules and dates described as "coming soon", "planned" or similar are statements of current intention, not commitments. We may change them, release them later, charge for them, or not release them. Do not make a purchase or business decision in reliance on an unreleased feature.

10. Not professional advice

10.1 The Services are tools. They do not provide tax, legal, accounting, audit, investment or financial advice, and using them does not create a professional, fiduciary or client relationship between you and us.

10.2 Any computation, classification, suggestion, reconciliation result, due-date reminder, report, template or content produced by the Services is based on your inputs, third-party data and rules as configured at the time. You must review and verify it, or have a qualified professional do so, before relying on it.

10.3 Separate professional services, if you engage us for them, are governed by a separate engagement letter and not by these Terms.

11. Your responsibility for statutory compliance

You are solely responsible for:

• the accuracy, completeness and lawfulness of all data you enter or import, including GSTINs, PANs, place of supply, HSN/SAC codes, tax rates, ledgers, amounts and dates;
• checking every invoice, voucher, return, challan, certificate, report and other output before you issue, file or rely on it;
• complying with the Central Goods and Services Tax Act 2017, the Integrated Goods and Services Tax Act 2017, State and Union Territory GST laws, the Income-tax Act, the Companies Act 2013, the LLP Act 2008, labour and payroll laws, professional tax laws, and all rules, notifications and circulars under them, as amended from time to time;
• generating e-invoices and e-way bills, and filing returns, forms and payments on the official portals within the due dates;
• keeping books of account and records for the periods required by law;
• any tax, interest, late fee, penalty, demand or notice arising from your filings, records or business activities.

Laws, rates, forms and portal requirements change frequently. We try to keep the Services up to date, but we do not guarantee that they reflect every change at all times, or that they meet every requirement applicable to your circumstances.

12. Government portals, Tally and other third-party services

12.1 The Services may connect to, import from or produce data for third-party systems, including the GST, Income-tax, TRACES, MCA and EPFO portals, TallyPrime, banks, payment gateways, email providers and Microsoft Windows and Store services ("Third-Party Services").

12.2 We do not control Third-Party Services and are not affiliated with, endorsed by or responsible for them. We are not liable for their availability, accuracy, security, changes, fees or errors, or for any rejection, delay or failure caused by them. Data from Third-Party Services is provided as received.

12.3 To use features that connect to TallyPrime, you must hold a valid Tally licence and comply with its terms. Tally, TallyPrime, Microsoft, Windows and other third-party names are trademarks of their respective owners, used only to describe compatibility.

12.4 You are responsible for obtaining any consents, credentials or authorisations needed to connect Third-Party Services, and for keeping portal credentials secure.

13. Website Tools, calculators and updates

13.1 The calculators, summaries of notifications, circulars, acts and rules, and other content at unmconsultant.com are provided free for general information and convenience only.

13.2 They may be simplified, incomplete or out of date, and may not apply to your facts. Always check the official text published by the Government, CBDT, CBIC, GST Council, MCA or the relevant authority, and consult a qualified professional, before acting on them. We are not liable for any decision taken in reliance on the Website Tools.

14. Your Data

14.1 You own Your Data. We do not claim ownership of it.

14.2 App: Data in the App is stored on your device. We do not receive, host or back it up, and we cannot recover it if it is lost, deleted or corrupted.

14.3 Cloud Services: You grant us a limited licence to host, process, transmit, back up and display Your Data only as needed to provide, secure, support and improve the Cloud Services for you, and as required by law. We will not sell Your Data.

14.4 You confirm that you have the rights, notices and consents needed to enter Your Data into the Services, including personal data of your customers, employees and clients. For such personal data, you are the Data Fiduciary under the Digital Personal Data Protection Act, 2023. Where we process it on your behalf in the Cloud Services, we act as your Data Processor and process it in line with your instructions, these Terms and our Privacy Policy.

14.5 We may use aggregated, de-identified technical and usage data that does not identify you or any individual to operate, secure and improve the Services.

15. Backups and data safety

15.1 You are responsible for taking regular backups of data held in the App, keeping them in a secure separate location, and testing that you can restore them. Before uninstalling, resetting or moving the App, create a fresh backup. Backups created in the App are saved in Documents\UNM One\Backups.

15.2 For the Cloud Services, we take regular backups as part of our operations. These are for disaster recovery, not a substitute for your own exports. We do not guarantee that a specific earlier version of Your Data can be restored.

16. Security

We use reasonable security practices appropriate to the nature of the Services. However, no software, network or storage system is completely secure, and we do not guarantee that the Services will be free of unauthorised access, loss or interruption. You are responsible for securing your devices, networks, accounts and backups, including keeping Windows and the App updated and using device encryption.

17. Availability, maintenance and support

17.1 The App works offline. For the Cloud Services, we aim for high availability but, unless your Order includes a service level, we do not guarantee uninterrupted or error-free operation. We may carry out maintenance and will try to schedule planned maintenance outside business hours.

17.2 Support is provided through the channels and hours we publish, on a reasonable-efforts basis, unless your Order says otherwise.

18. Updates and changes to the Services

18.1 We may release updates that add, change or remove features, fix problems or meet legal or security requirements. Some updates may be required to keep using the Services.

18.2 If we discontinue a paid Cloud Service, we will give you at least 30 days' notice, allow you to export Your Data, and refund prepaid fees for the unused period.

19. Intellectual property

19.1 The Services, including software, source code, designs, templates, reports, databases, text, graphics and logos, are owned by us or our licensors and protected by intellectual property laws. "UNM One" and its logos are trademarks of UNM Consultant. These Terms do not give you any right to use them except as needed to use the Services.

19.2 Documents and outputs you create with the Services, and Your Data in them, belong to you.

19.3 If you send us suggestions or feedback, we may use them freely and without obligation to you.

19.4 The Services include open-source components licensed under their own terms. Those terms apply to those components and prevail where they require.

20. Disclaimer of warranties

20.1 To the maximum extent permitted by applicable law, the Services are provided "as is" and "as available", with all faults and without warranties of any kind, express, implied or statutory, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, non-infringement and uninterrupted or error-free operation.

20.2 We do not warrant that the Services, or any output, computation, report or content, will be accurate, complete or current, will meet your requirements, or will satisfy any legal or statutory requirement that applies to you.

20.3 Nothing in these Terms excludes any warranty or right that cannot be excluded under applicable law.

21. Limitation of liability

21.1 To the maximum extent permitted by applicable law, neither we nor our directors, partners, employees, agents or licensors will be liable for any:

• indirect, incidental, special, consequential, exemplary or punitive loss or damage;
• loss of profits, revenue, business, contracts, goodwill or anticipated savings;
• loss, corruption or inaccuracy of data, or the cost of recovering or re-creating it;
• tax, interest, late fee, penalty, demand, assessment or notice imposed on you or your clients, or loss of input tax credit;
• loss arising from your inputs, your failure to review outputs, your filings or decisions, Third-Party Services, or your breach of these Terms;

arising out of or relating to the Services or these Terms, whether in contract, tort (including negligence) or otherwise, even if we were advised of the possibility of such loss.

21.2 Our total aggregate liability for all claims arising out of or relating to the Services or these Terms will not exceed the higher of (a) the fees you actually paid to us for the Service giving rise to the claim in the twelve (12) months before the event giving rise to the claim, and (b) Indian Rupees 5,000.

21.3 Sections 21.1 and 21.2 do not limit liability for fraud, for wilful misconduct, or for any other liability that cannot be limited or excluded under applicable law.

21.4 These limitations reflect a reasonable allocation of risk and are part of the basis on which we provide the Services, including the free features.

22. Indemnity

You will indemnify and hold harmless us and our directors, partners, employees and agents against any claims, proceedings, losses, damages, penalties, costs and reasonable legal fees arising from:

• your breach of these Terms or of applicable law;
• Your Data, including any claim that it infringes another person's rights or was collected or used without the required consent;
• any invoice, return, record or document that you or your users create, issue or file using the Services;
• your use of Third-Party Services.

We will notify you promptly of any such claim and reasonably cooperate, at your cost, in its defence.

23. Confidentiality

Each party will keep confidential the non-public information of the other party that it receives in connection with the Cloud Services or support, and will use it only for the purposes of these Terms. This does not apply to information that is public, already known, independently developed, or required to be disclosed by law or by an authority. In that case, the disclosing party will give notice where lawful.

24. Disclosure required by law

We may disclose information, including Your Data, where required by law, court order or a lawful request from a government authority. Where permitted, we will notify you and disclose only what is required.

25. Suspension

We may suspend all or part of your access to the Services, with notice where practical, if we reasonably believe that:

• you have materially breached these Terms, including sections 6 and 8;
• suspension is needed to prevent fraud, a security incident or harm to the Services or other users;
• suspension is required by law or by an authority.

We will restore access once the reason for suspension has been resolved.

26. Termination

26.1 You may stop using the Services at any time. You may cancel a Cloud Service subscription with effect from the end of its current billing period.

26.2 We may terminate these Terms or your access to a Service for reasonable cause, including:

• a material breach not cured within 15 days of our notice;
• repeated or serious breach of section 6;
• non-payment after suspension;
• insolvency;
• a legal requirement.

26.3 After termination of a Cloud Service, you may export Your Data for 30 days. After that period, we may delete it from active systems, and from backups in their normal cycle, unless the law requires us to keep it. Data in the App remains on your device.

26.4 Sections 10 to 15, 19 to 24, 26.3, 26.4 and 27 to 33 survive termination.

27. Force majeure

We are not liable for any delay or failure caused by events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, riots, government action, changes in law, failures of power, internet, cloud or telecommunications providers, cyber attacks, and outages or changes of government portals or Third-Party Services.

28. Notices and electronic communications

28.1 You agree to receive notices, agreements and communications from us electronically, by email to the address on your account, by notice in the Services, or on our website. These satisfy any legal requirement that communications be in writing.

28.2 Legal notices to us must be sent to legal@unmone.com and to our principal place of business stated in section 1.1.

29. Governing law and dispute resolution

29.1 These Terms are governed by the laws of India.

29.2 If a dispute arises, please first contact our Grievance Officer (section 33). Both parties will try in good faith to resolve it within 30 days.

29.3 Any dispute that is not resolved within that period will be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by mutual agreement or, failing agreement, in accordance with that Act. The seat and venue of arbitration will be Mumbai, India, and the proceedings will be in English. The courts at Mumbai will have exclusive jurisdiction over any application relating to the arbitration and over interim relief.

29.4 Nothing in this section prevents a person who is a consumer under the Consumer Protection Act, 2019 from approaching a Consumer Commission with competent jurisdiction, or prevents either party from seeking urgent interim relief from a competent court.

30. Export control and sanctions

You must not use or export the Services in breach of Indian or other applicable export control or sanctions laws, or make them available to any person or country that is subject to such restrictions.

31. Changes to these Terms

31.1 We may update these Terms from time to time. We will publish the updated Terms with a new version number and effective date.

31.2 For material changes, we will notify you at least 30 days before they take effect, by email or in the Services, and the App will ask you to accept the updated Terms before you continue. If you do not agree to the updated Terms, you may stop using the Services and cancel your subscription. For changes to a paid Cloud Service that reduce your rights, you may receive a pro-rata refund of prepaid fees for the unused period.

31.3 Changes required by law or for security may take effect immediately.

32. General

32.1 Entire agreement. These Terms, the Privacy Policy and any Order are the entire agreement between you and us about the Services, and they replace any earlier understanding on the same subject.

32.2 Severability. If any provision is held invalid or unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will continue in effect.

32.3 No waiver. A failure or delay in enforcing a right is not a waiver of it.

32.4 Assignment. You may not assign these Terms without our prior written consent. We may assign them to an affiliate or to a successor of our business, provided your rights under these Terms are not reduced, and we will notify you of the assignment.

32.5 Relationship. The parties are independent contractors. Nothing in these Terms creates a partnership, agency, employment or fiduciary relationship.

32.6 No third-party rights. No one other than you and us has any right to enforce these Terms.

32.7 Language and headings. These Terms are written in English. Headings and the key points summary are for convenience only and do not affect interpretation.

33. Grievance Officer and contact

In accordance with the Information Technology Act, 2000 and the rules made under it, and the Consumer Protection Act, 2019, you may contact our Grievance Officer with any complaint about the Services or these Terms. We will acknowledge complaints within 48 hours and try to resolve them within 15 days.

Grievance Officer: Mehul Bheda
Email: legal@unmone.com · Support: support@unmone.com · Privacy: privacy@unmone.com · Security: security@unmone.com · Phone: +91 90228 61334
Address: Office No. 18, 2nd Floor, Jaya Industrial Estate, Carter Road No. 3, Borivali East, Mumbai 400066, Maharashtra, India
Hours: 10:00 am to 6:00 pm IST on working days