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Terms & Conditions

Welcome to the Call2CFO Terms of Use agreement. For purposes of this agreement, “Site” refers to the Company’s website, which can be accessed at

“Service” refers to the paid services provided by the Company

The terms “company”, “we,” “us,” and “our” refer to the Company, CHAMA Trade and Advisors (OPC) Private Limited and/or it’s websites.

“You” refers to you, as a user of our Site or our Service.


The following Terms of Use apply when you view or use the Service via our website or by accessing the Service through clicking on the application on your mobile device.


Please review the following terms carefully. By accessing or using the Service, you agree your agreement to these Terms of Use. If you do not agree to be bound by these Terms of Use in their entirety, you may/should not access or use the Service.




We respects the privacy of our users. Please refer to the Company’s Privacy Policy which explains how we collect, use, and disclose information that pertains to your privacy. When you access or use the Service, you signify your agreement to the Privacy Policy as well as these Terms of Use.



Your permission to use the Site is subject to the following use, posting and conduct restrictions:

You agree that under any circumstances, you will not

  • Use the Service for any unlawful purpose or for the promotion of illegal activities;

  • Attempt to, or harass, abuse or harm another person or group;

  • Access the Service for any reason other than your personal, non-commercial use solely as permitted by the normal functionality of the Service,

  • Use another user’s account without permission; collect or harvest any personal data of any user of the Site or the Service

  • Use the Site or the Service for the solicitation of business in the course of trade or in connection with a commercial enterprise;

  • Intentionally allow another user to access your account;

  • Provide false or inaccurate information when registering an account;

  • Interfere or attempt to interfere with the proper functioning of the Service;

  • Distribute any part or parts of the Site or the Service without our explicit written permission (we grant the operators of public search engines permission to use spiders to copy materials from the site for the sole purpose of creating publicly-available searchable indices but retain the right to revoke this permission at any time on a general or specific basis);

  • Make any automated use of the Site, the Service or the related systems, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure;

  • Bypass any robot exclusion headers or other measures we take to restrict access to the Service, or use any software, technology, or device to scrape, spider, or crawl the Service or harvest or manipulate data;

  • Circumvent, disable or otherwise interfere with any security-related features of the Service or features that prevent or restrict use or copying of content, or enforce limitations on use of the Service or the content accessible via the Service; or


Publish or link to malicious content of any sort, including that intended to damage or disrupt another user’s browser or computer.




You need to be at least 18 years old to register for and use the Service. If you are a user who signs up for the Service, you will create a personalized account which includes a unique username and a password to access the Service and to receive messages from the Company. You agree to notify us immediately of any unauthorized use of your password and/or account. The Company will not be responsible for any liabilities, losses, or damages arising out of the unauthorized use of your member name, password and/or account.


User ID Generation

  • You must provide a valid email address & mobile number (optional) to complete the sign-up process.

  • You are responsible for maintaining the privacy and security of your account. We will not be held liable for any damage or loss that may result from your failure to protect your login information, including your password.

  • We may communicate with you via e-mail / sms / other communication modes regarding your account, system updates, or other issues related to your account / use of the Service.

  • You are responsible for all Content posted and activity that occurs from your account (even for Contents posted by a third party to your account). You are solely responsible for the User Content that you post, upload, link to or otherwise make available via the Service or its associated channels such as Facebook, WhatsApp or anything else used by the company for its brand promotion or support activity.

  • You agree that we are only acting as a passive conduit for your online distribution and publication of your User Content. The Company, however, reserves the right to remove any User Content from the Service at its sole discretion.

  • We grant you permission to use and access the Service, subject to the following express conditions surrounding User Content. You agree that failure to adhere to any of these conditions constitutes a material breach of these Terms. By transmitting and submitting any User Content while using the Service, you agree as follows:

    • You are solely responsible for your account and the activity that occurs while signed in to or while using your account;

    • You will not post any information that is abusive, threatening, obscene, defamatory or racially, sexually, religiously, or otherwise objectionable and offensive;

    • You retain all ownership rights in your User Content but you are required to grant the following rights to the Site and to users of the Service as set forth more fully under the “License Grant” and “Intellectual Property” provisions below: When you upload or post User Content to the Site or the Service, you grant to the Site a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform that Content in connection with the provision of the Service; and you grant to each user of the Service, a worldwide, non-exclusive, royalty-free license to access your User Content through the Service, and to use, reproduce, distribute, prepare derivative works of, display and perform such Content to the extent permitted by the Service and under these Terms of Use;

    • You will not submit content that is copyrighted or subject to third party proprietary rights, including privacy, publicity, trade secret, or others, unless you are the owner of such rights or have the appropriate permission from their rightful owner to specifically submit such content; You hereby agree that we have the right to determine whether your User Content submissions are appropriate and comply with these Terms of Service, remove any and/or all of your submissions, and terminate your account with or without prior notice.

    • You understand and agree that any liability, loss or damage that occurs as a result of the use of any User Content that you make available or access through your use of the Service is solely your responsibility. The Site is not responsible for any public display or misuse of your User Content. The Service does not, and cannot, pre-screen or monitor all User Content. However, at our discretion, we, or technology we employ, may monitor and/or record your interactions with the Service or with other Users.


  User ID Removal

  • You are solely responsible for managing the lifecycle of your account, including removal. Once you have created a user account, it would remain active till you actually choose to delete your account.

  • Only the authorised user would be allowed to place a deletion request by login to the user profile and submit a request for deletion. Upon successful email verification (through registered email address) of the deletion request, the deletion would happen in our system immediately.

  • Deleting your account is IRREVERSIBLE & FINAL, so unfortunately you can't get it back. We do that for your security and to protect your private information. If at a later stage, you realize that you’ve deleted your account by mistake or changed your mind, you’ll need to register for a new one.

  • In the Deletion process, we delete the user profile, user preferences, account activity, account leads & device information. We DO NOT delete the registered email address (unique identifier for all records), any account purchase & transaction data, as it is required for financial accounting & audit purposes.

  • As part of our Data Backup procedures, some of the (deleted) user data might keep residing in the backup systems, but these data are just for disaster recovery purposes and no one has access to this data for any processing. Over a period of time, such data gets overwritten by newer sets of data & eventually such user data would get removed from backups too.

  • We reserve the right to delete a rogue user account or take action on an account as required by the law.



Trial / Free Version: We may allow a prospective subscriber / buyer of the Call2CFO to use Call2CFO under its TRIAL / FREE Version option. Under these, the users can enjoy certain complimentary sections of the App.

This Trial / Free Version is for the sole purpose of enabling you to use, enjoy & evaluate the benefit of the Call2CFO services, in the manner permitted by these terms and conditions mentioned hereunder.

Paid Version: In order to use Call2CFO Paid Version, a prospective subscriber / client is required to obtain a periodic (monthly / quarterly / half yearly / annual), personal , non-assignable and non-exclusive subscription to use the Call2CFO in return of an advance, non-refundable payment against any of the packages available on our app / websites.

There will be no refunds or credits for partial months of service, or refunds made should you not use the Service during a period of time when your account is open.

The plans & rates might change without prior notice. The Subscription automatically renews until cancelled. To stop, tap Cancel subscription in the Setting before next billing date.

Payment for Subscription: We have different purchase options available through payment Gateways and/or other mode, acceptable and allowed as per Reserve Bank of India. The Subscription may be managed by the user. No Refunds are admissible for the remaining period of the current period on cancellation.

Customers under Subscription Payment Option will be charged the Subscription fee for the periodic renewal. Such subscription amount might be modified on the product website from time to time without prior notice. Please be aware that these account & billing management options are provided by the platform (iOS / Android) and could be changed by the provider directly without any notice or update from us.


We do not guarantee the accuracy, completeness, or usefulness of any information on the Site or the Service nor do we adopt nor endorse, nor are we responsible for, the accuracy or reliability of any opinion, advice, or statement made by other parties. We take no responsibility and assume no liability for any User Content that you or any other user or third party posts or sends via the Service. Under no circumstances will we be responsible for any loss or damage resulting from anyone’s reliance on information or other content posted on the Service, or transmitted to users.

Opinions, advice, statements, offers, or other information or content made available through the Service, but not directly by the Site, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content.

Though we strive to enforce these Terms of Use, you may be exposed to User Content that is inaccurate or objectionable when you use or access the Site or the Service. We reserve the right, but have no obligation, to monitor the materials posted in the public areas of the Site or the Service or to limit or deny a user’s access to the Service or take other appropriate action if a user violates these Terms of Use or engages in any activity that violates the rights of any person or entity or which we deem unlawful, offensive, abusive, harmful or malicious. The Company shall have the right to remove any material that in its sole opinion violates, or is alleged to violate, the law or this agreement or which might be offensive, or that might violate the rights, harm, or threaten the safety of users or others. Unauthorized use may result in criminal and/or civil prosecution under law. If you become aware of a misuse of our Service or violation of these Terms of Use, please contact us through this email address:

  Intellectual  Property and Reference

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the Service, including applicable copyrights, trademarks and other proprietary rights. Other product and company names that are mentioned on the Service may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under these Terms of Use.


As part of the Service, we may provide you with reference links to third party website(s) (“Third Party Sites”) as well as content or items belonging to or originating from third parties (the “Third Party Applications, Software or Content”). These links are provided as a courtesy to Service subscribers. We have no control over Third Party Sites or Third Party Applications, Software or Content or the promotions, materials, information, goods or services available on these Third Party Sites or Third Party Applications, Software or Content. Such Third Party Sites and Third Party Applications, Software or Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness, and we are not responsible for any Third Party Sites accessed through the Site or any Third Party Applications, Software or Content posted on, available through or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites or the Third Party Applications, Software or Content. Inclusion of, linking to or permitting the use or installation of any Third Party Site or any Third Party Applications, Software or Content does not imply our approval or endorsement. If you decide to leave the Site and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies, including these Terms of Use, no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third Party Site to which you navigate from the Site or relating to any applications you use or install from the Third Party Site.

  Email Communication

Communications made through the Service’s email and messaging system will not constitute legal notice to the Site, the Service, or any of its officers, employees, agents or representatives in any situation where legal notice is required by contract or any law or regulation.


For contractual purposes, you: (a) consent to receive communications from us in an electronic form via the email address you have submitted; and (b) agree that all Terms of Use, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if it were in writing. The foregoing does not affect your non-waivable rights.


We may also use your email address to send you other messages, including information about the Site or the Service and special offers. You may opt out of such email by changing your account settings, using the “Unsubscribe” link in the message, or by sending an email to opting out may prevent you from receiving messages regarding the Site, the Service or special offers.




Under NO circumstances shall the Company, its licensors, partners or any of its associated companies be liable to the subscriber or any other person or entity for an amount of damages in excess of the paid Subscription fees or be liable of any amount for special, incidental, consequential, or indirect damages, loss of goodwill or business profits, work stoppage, data loss, computer failure or malfunction, or exemplary or punitive damages.

Thus, maximum liability of the company towards any customer can be an amount of the Subscription fee only excluding the Renewal/Subscription fees collected over the years for any loss suffered by the Customer due to the company’s negligence or lack of diligence and company’s liability will be zero if any loss is suffered by the Customer due to any other reason, which is beyond the control of the company. The risk of running and using the Service shall be solely born by the Customer.

It is expressly understood and agreed that each and every provision of this agreement which provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is intended by the parties to be severable and independent of any other provision and to be enforced as such.

This clause shall survive termination of this Agreement.

  Change of Terms & Conditions

We can amend these Terms of Use at any time and will update these Terms of Use in the event of any such amendments. It is your sole responsibility to check the Site from time to time to view any such changes in this agreement. Your continued use of the Site or the Service signifies your agreement to our revisions to these Terms of Use. We will endeavour to notify you of material changes to the Terms by posting a notice on our homepage and/or sending an email to the email address you provided to us upon registration. For this additional reason, you should keep your contact and profile information updated.

  General Terms and Conditions


Your use of the service, including any content, information or functionality contained within it, is provided “as is” and “as available” with no representations or warranties of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of our Services.

The company makes no warranties regarding

  1. your ability to use our Services,

  2. your satisfaction with the Service,

  3. that the Service will be available at all times, uninterrupted, and error-free: The company makes no representations or warranties that the software will operate uninterrupted or error-free, or that it will be free from minor defects or errors that do not materially affect performance, or that the applications contained in the software are designed to meet all of users’ business requirements or any governmental regulatory or legal requirements and disclaim all warranties with respect thereto in accordance with this clause.

  4. the accuracy of analytics performed by the Service: The company DOES NOT guarantee the accuracy, completeness or timeliness of, or otherwise endorse in any way, the views, opinions or recommendations expressed in the information made available on the Service, & therefore all features are implemented on best-effort basis.

  5. that bugs or errors in the Service will be corrected.

The company, its partners, agents, affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages arising out of or relating in any way to your use of our Services under irrespective of whether you are a user of Free Version or Paid version. Your sole remedy for dissatisfaction with our Services is to STOP using it.

Failure of the company to exercise any of its rights provided herein shall not be deemed to be a waiver of any such right unless such waiver has been expressly given in writing. This latest version of Terms of Use sets forth the entire understanding between you and the company.


The company cannot be held responsible for any business loss of a customer for any reason whatsoever including software failure/ delay in implementation or in technical support etc.


We may assign or delegate these Terms of Service and/or our Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under the Terms of Service or Privacy Policy without our prior written consent, and any unauthorized assignment or delegation by you is void.





This Terms of Use shall be governed by and construed in accordance with Indian law without reference to its conflicts of law principles. You hereby expressly agree to submit to the exclusive personal jurisdiction of India and state courts of the State of Uttar Pradesh for the purpose of resolving any dispute relating to your access to or use of our product and/ or services. This clause shall survive termination of this Agreement.

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