Legal & Policies

CM Filings ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use the BIZFLOW portal, or engage our professional tax, compliance, and advisory services.

1. Information We Collect

To provide accurate tax, accounting, and statutory compliance services, we may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, and physical address.
• Financial and Corporate Information: Permanent Account Number (PAN), Goods and Services Tax Identification Number (GSTIN), Corporate Identification Number (CIN), bank statements, and transactional data required for accounting.
• Government Identifiers: We strictly adhere to data protection laws regarding the collection and temporary storage of government-issued IDs necessary for official filings (e.g., DIN, DSC, or Aadhaar for digital signatures/Director KYC).
• Portal Data: Login credentials specifically provided by you and stored securely in our Vault for the sole purpose of filing returns on government portals (e.g., Income Tax Portal, MCA, GST Portal).

2. How We Use Your Information

We use the collected information exclusively for professional business purposes, including:

• Preparing and filing tax returns, statutory documents, and incorporation forms.
• Providing business advisory, accounting, and financial management services.
• Operating, maintaining, and improving the BIZFLOW software application.
• Communicating with you regarding upcoming compliance deadlines and service updates.

3. Data Security & Storage

Your business data is highly sensitive. We implement strict, industry-standard security measures, including bank-grade encryption for all data transmitted via the BIZFLOW portal. Access to your financial data and vault credentials is restricted solely to authorized professionals directly handling your account.

4. Information Sharing

We do not sell, trade, or rent your personal or corporate information to third parties. We only share information when legally required to do so to fulfill our service obligations, such as submitting data directly to the Government of India (Income Tax Department, Ministry of Corporate Affairs, CBIC, etc.).

At CM Filings, we strive to ensure absolute clarity and satisfaction in all our professional services and technology subscriptions. Please read our refund rules carefully before engaging our services.

1. Professional Services (Tax & Compliance)

• Consultation Fees: Fees paid for advisory or consultation sessions are non-refundable once the session has been conducted.
• Service Execution: If you cancel a service request (e.g., GST Registration, ITR filing) before our team begins processing the application or preparing the documents, a full refund (minus any payment gateway charges) will be issued.
• Post-Execution: Once draft computations are shared, or applications are filed on government portals, no refunds can be issued for professional fees.

2. Government Fees & Challans

Any amounts collected on your behalf that are paid directly to government authorities (such as MCA filing fees, GST Challans, Income Tax Challans, Stamp Duty, or DSC token fees) are strictly non-refundable under any circumstances, as government authorities do not facilitate refunds for generated challans.

3. BIZFLOW Software Subscriptions

For users subscribed to the BIZFLOW CRM and business management software:

• You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing cycle.
• We do not offer prorated refunds for mid-cycle cancellations.

4. Refund Processing Time

Approved refunds will be processed within 5-7 business days and credited back to the original method of payment.

By accessing the CM Filings website and engaging our services, you agree to be bound by these Terms of Service.

1. Scope of Services

CM Filings provides taxation, accounting, corporate compliance, and advisory services. While we apply utmost professional care and utilize certified experts, the final responsibility for the accuracy of data provided to us rests with the client. We are not liable for penalties incurred due to data concealment, delayed submission of documents by the client, or external technical failures on government portals.

2. User Responsibilities

You agree to provide true, accurate, and complete information necessary for the execution of our services. You are responsible for maintaining the confidentiality of your BIZFLOW portal account credentials.

3. Modifications

We reserve the right to modify these policies at any time. Changes will be effective immediately upon posting to this page. Continued use of our services constitutes acceptance of the revised policies.