Saarthika

Terms of Service

Last updated: April 2026

1. Eligibility

To use Saarthika, you must:

  • Be at least 18 years of age.
  • Be a proprietor, partner, director, or authorised representative of a business registered in India, or a professional (CA, consultant, or advisor) assisting such businesses.
  • Provide accurate and complete information about your business when creating a profile.

By creating an account, you represent that you meet these eligibility requirements. We reserve the right to suspend accounts that provide materially false information.

2. Access Terms

Saarthika is currently offered as a free service for all users, including advisor workspaces.

  • No subscription required: You can access scheme discovery, eligibility screening, and action planning without a paid subscription.
  • Fair use and platform integrity: We may apply operational controls (such as anti-abuse limits or temporary throttling) to protect platform availability and security.
  • Future changes: If we introduce paid offerings in the future, we will update these Terms and provide clear in-product notice before any change takes effect.

3. Legacy Payment Records (Historical Only)

Saarthika does not require subscription payments for current access. Any references to payment history apply only to legacy transactions processed before April 2026.

For billing or reconciliation questions related to historical charges, contact support@saarthika.in with your payment reference details.

4. Disclaimer

Saarthika is an informational platform. Nothing on this platform constitutes financial, legal, or tax advice. Scheme eligibility scores are indicative only and are calculated based on the information you provide and publicly available scheme criteria. Actual eligibility is determined by the relevant government authority and may differ.

Saarthika does not guarantee that you will be approved for, or receive benefits from, any government scheme. We are not responsible for changes to scheme criteria, deadlines, or availability made by the Government of India or state governments.

5. Government Data Attribution

Scheme information displayed on Saarthika is sourced from Government of India official publications and portals. This data is used under the Government Open Data License (GODL) — February 2017. The GODL permits use, reproduction, and distribution of government data for any lawful purpose subject to attribution.

Saarthika is not affiliated with, endorsed by, or an official channel of the Government of India or any state government.

6. Intellectual Property

The Saarthika platform, including its design, code, brand assets, and proprietary algorithms, is owned by Saarthika and protected by applicable IP law. You may not copy, reverse-engineer, or create derivative works from any part of the platform without written permission.

Government data published under GODL is in the public domain subject to attribution requirements set out in the GODL.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Saarthika and its officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the platform, including but not limited to loss of profit, loss of data, or missed scheme benefits.

Our total aggregate liability for any claim arising out of these Terms shall not exceed INR 10,000 or, where applicable, the amount paid by you to Saarthika in the 3 months preceding the claim under a legacy paid plan, whichever is lower.

8. Governing Law & Disputes

These Terms are governed by the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Delhi, India.

We encourage you to contact support@saarthika.in to resolve disputes informally before initiating legal proceedings.

9. B2B Terms (CAs and Consultants)

If you use Saarthika as a CA firm, consultant, or advisory firm to manage client profiles, the following additional terms apply:

  • Data processor agreement: You act as a data fiduciary for your clients' data. Saarthika acts as your data processor for the purpose of scheme matching. By registering an organisation, you agree to Saarthika's data processing terms.
  • Client data ownership: Business profile data entered on behalf of your clients remains your property and your clients' property. Saarthika does not use client data for any purpose other than providing the service to your organisation.
  • Workspace access: Saarthika is currently free for all users. Workspace capacity and feature availability are managed in-product and may evolve as the service scales.
  • Authorised use: You are responsible for ensuring that all members of your organisation use the platform in accordance with these Terms and applicable law, including the DPDPA 2023.