Terms of Service

Last Updated: January 31, 2026

Welcome to taxharvestlab.com. By accessing or using our service, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By using taxharvestlab.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.

2. Description of Service

taxharvestlab.com is a capital gains tax calculation utility designed for Indian equity investors. Our service allows you to:

• Upload your tradebook/holdings data in Excel or CSV format
• Calculate Long-Term Capital Gains (LTCG) and Short-Term Capital Gains (STCG)
• Simulate tax harvesting strategies
• Generate detailed tax reports
• Optimize your portfolio for tax efficiency

3. User Responsibilities

As a user of this service, you agree to:

• Provide accurate and complete information
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to any part of the service
• Not upload malicious files or attempt to harm the service
• Verify all calculations independently before making investment decisions
• Comply with all applicable tax laws and regulations

4. Disclaimer of Tax Advice

taxharvestlab.com is a calculation tool and does NOT provide tax, legal, or financial advice. The calculations and suggestions provided by our service are for informational purposes only.

• We are not tax advisors, accountants, or financial planners
• The tool uses Indian tax rules as understood at the time of implementation
• Tax laws are subject to change and may affect calculations
• You should consult with a qualified tax professional before making any tax-related decisions
• We are not responsible for any tax liabilities or penalties you may incur

5. Accuracy and Limitations

While we strive to provide accurate calculations based on current Indian tax laws:

• We cannot guarantee 100% accuracy of calculations
• Tax laws and rates may change without notice
• Individual circumstances may affect actual tax liability
• The FIFO (First-In-First-Out) method is used as per Indian tax regulations
• Results are based on the data you provide - accuracy depends on your input

You are responsible for verifying all calculations and consulting with a tax professional before filing your tax returns.

6. Intellectual Property

All content, features, and functionality of taxharvestlab.com, including but not limited to text, graphics, logos, software, and algorithms, are owned by taxharvestlab.com and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, or create derivative works from our service without explicit written permission.

7. User Data and Privacy

Your use of the service is also governed by our Privacy Policy. By using this service, you consent to our collection and use of data as described in the Privacy Policy.

• We process your tradebook data to provide the service
• Data is not shared with third parties except as necessary to provide the service
• You retain ownership of your data
• We implement security measures to protect your data

8. Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. The service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical issues or server outages
• Factors beyond our control

We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, taxharvestlab.com SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, data, or other intangible losses
• Tax liabilities or penalties arising from use of our calculations
• Errors or inaccuracies in calculations or reports
• Investment losses or missed opportunities
• Service interruptions or data loss

YOUR USE OF THIS SERVICE IS AT YOUR OWN RISK.

10. Indemnification

You agree to indemnify and hold harmless taxharvestlab.com, its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the service
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Any tax-related decisions you make based on our calculations

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the service after changes are posted constitutes your acceptance of the modified terms.

We recommend reviewing these terms periodically for any updates.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in [Your City/State], India.

13. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at: