Last Updated: January 19, 2026
This Terms of Use Agreement (the "Agreement" or "Terms") is a legally binding contract between you ("User", "you", or "your") and Variabl Financial Technologies Private Limited (referred to as "Variabl", "Company", "we", "us", or "our"), a company incorporated under the Companies Act, 2013, having its registered office at No. 731, 7th Cross Rd, 3 Block, Koramangala, Bengaluru, Karnataka 560034.
The Company has a wholly owned subsidiary, Variabl Investment Adviser Private Limited, which is in the process of applying for a SEBI Registration as a Registered Investment Adviser.
These Terms govern your use of and access to the website www.variabl.in, mobile applications, and any related services (collectively, the "Platform"). By accessing, browsing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
These Terms are an electronic record in terms of the Information Technology Act, 2000 and rules thereunder as applicable and amended from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.
If you do not agree to these Terms, please do not access or use the Platform. Your continued use of the Platform constitutes your acceptance of these Terms and any modifications thereto.
Variabl is a comprehensive financial operating system designed specifically for India's independent professionals, including freelancers, creators, consultants, gig workers, and solopreneurs. The Platform provides integrated solutions for financial management, compliance, and growth.
The Platform provides the following services (collectively, "Services"):
Certain services on the Platform may be provided through third-party partners, including but not limited to payment gateways, banking partners, GST Suvidha Providers (GSPs), and other service providers. Your use of such third-party services is subject to their respective terms and conditions.
You are eligible to use the Platform if:
The Company reserves the right to refuse access to the Platform to new users, or suspend/terminate existing users who have violated these Terms or applicable laws.
You confirm that any funds you invest or transact through the Platform are from your own legitimate sources and are remitted through approved banking channels.
Subject to your compliance with these Terms and payment of applicable fees, Variabl grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and Services for your personal or professional financial management purposes.
This License permits you to:
The Services may not be used for providing financial, tax, or investment advisory services to third parties unless you are separately authorized and registered to do so under applicable laws.
You are prohibited from, directly or indirectly:
Any breach of these restrictions shall be your responsibility, and Variabl reserves all rights not expressly granted herein.
To access certain Services, you must create an account by providing accurate information including but not limited to:
You are responsible for:
Variabl shall not be liable for any loss arising from unauthorized use of your account due to your failure to maintain security.
The Platform may provide access to GST System through authorized GST Suvidha Providers (GSPs). By using these services, you agree that:
You are responsible for:
Variabl is not liable for:
Our liability is limited to re-filing, revising, or submitting rectification requests within CBDT timelines, where applicable.
Self-service (DIY) plans do not include manual review or professional verification. Expert-assisted plans must be purchased separately for such services.
The Company reserves the right to charge fees for Services. Fee details are available on the Platform and may be modified with reasonable notice.
Payments are processed through authorized payment gateways. We shall not be liable for any loss arising from declined transactions, technical failures, or issues with third-party payment processors.
Once our team has reviewed your tax summary and provided assisted advice through any communication channel (call, email, chat, or otherwise), a refund will not be granted.
Subscription fees are non-refundable unless otherwise specified in the specific subscription terms.
Variabl and its licensors own all rights, title, and interest in the Platform, including all intellectual property rights. This includes but is not limited to:
Your use of the Platform does not grant you any ownership interest. You may not:
Your use of the Platform is subject to our Privacy Policy available at [PRIVACY POLICY URL]. By using the Platform, you consent to:
You grant us the right to use, process, and store your data for providing Services, complying with legal requirements, and improving our Platform.
By using the Platform, you consent to receive communications from us through:
These communications may include service updates, promotional offers, compliance reminders, and other relevant information.
You grant Variabl permission to contact you even if your number is registered on DND/NDNC. You will not hold Variabl liable under TRAI regulations for such communications.
THE PLATFORM AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, VARIABL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:
We do not warrant that:
The Services are general tools to assist with your financial management and do not replace your obligation to exercise independent judgment or seek professional advice where appropriate.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VARIABL SHALL NOT BE LIABLE FOR:
Our total liability for any claims arising from or related to these Terms or your use of the Platform shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.
These limitations apply regardless of the legal theory on which the claim is based.
You agree to indemnify, defend, and hold harmless Variabl and its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
Variabl may suspend or terminate your access to the Platform:
Upon termination:
These Terms shall be governed by and construed in accordance with the laws of India.
Any disputes arising from these Terms shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996. The arbitration shall:
The arbitrator's decision shall be final and binding.
Subject to the arbitration clause above, courts in Bengaluru, India shall have exclusive jurisdiction over any matters arising from these Terms.
In case of disputes related to tax filing services, Variabl's liability for compensation shall be strictly limited to the amount paid for the specific service in question.
These Terms, together with the Privacy Policy and any service-specific terms, constitute the entire agreement between you and Variabl regarding the Platform and Services.
We reserve the right to modify these Terms at any time. Changes will be effective upon posting on the Platform. Your continued use after such changes constitutes acceptance of the modified Terms.
If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Our failure to enforce any provision shall not constitute a waiver of our right to enforce that provision in the future.
You may not assign your rights under these Terms without our prior written consent. We may assign our rights to any affiliate or successor entity.
Neither party shall be liable for delays or failures due to circumstances beyond reasonable control, including acts of God, natural disasters, war, terrorism, riots, government actions, pandemics, or failures of third-party systems.
Nothing in these Terms creates an employment, agency, partnership, or joint venture relationship between you and Variabl.
For any grievances, complaints, or questions regarding these Terms or our Services, please contact:
We will acknowledge your grievance within 48 hours and endeavor to resolve it within 30 days of receipt.
By clicking "I Agree" or by accessing and using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.
You further acknowledge that: