Terms of Use

1. Who we are and what these Terms cover

This website, subsidysetu.com, and the services described on it are operated by Subsidy Setu Advisory (“Subsidy Setu”, “we”, “us”), Hisar, Haryana, India. You can reach us at info@subsidysetu.com or +91 94668 55953.

These Terms apply to everyone who uses the website, including the free tools, the Knowledge Hub, the partner programme and the client and partner logins. By using the website you accept them, together with our Privacy Policy, Disclaimer and Refund & Cancellation Policy, which form part of these Terms. Services we provide are additionally governed by the written scope and fee quote agreed for that engagement; where the two differ, the engagement document prevails. Work done for you by an associated chartered-accountant firm or by an independent advocate is governed by that firm’s or advocate’s own engagement terms, not by these Terms (sections 3 and 4).

2. What Subsidy Setu is — and is not

Subsidy Setu is a private platform and consulting and execution service. Our expert team helps micro, small and medium enterprises identify government incentive schemes, prepare Detailed Project Reports (DPRs) and applications, file them, and manage post-sanction compliance, and supports them with documentation and compliance paperwork for GST, income tax, business setup, project finance and RERA. Work that the law reserves to a chartered accountant or an advocate is not done by us; sections 3 and 4 explain who does it.

• We are not a government department or agency, and we are not affiliated with any scheme authority, bank or portal.
• We do not guarantee that any application will be approved, that any subsidy will be sanctioned or disbursed, that any registration, refund, loan or other outcome will be obtained, or that any scheme will remain open or unchanged. Those decisions rest with the government authority, bank or lender concerned.
• Scheme information on this website is compiled from official notifications and guidelines and is checked when published, but schemes are amended, extended and withdrawn without notice. Always confirm the current position on the official portal before relying on it.

3. Not a chartered-accountant firm and not a law firm

• Subsidy Setu is not a firm of chartered accountants and does not practise as one. It is not a law firm and does not practise law.
• Work that only a chartered accountant may do, such as statutory and tax audits and certifications, is done by an associated chartered-accountant firm. That firm is a separate, independent practice and not part of Subsidy Setu. You contract with it and are billed by it directly, under its own engagement terms. We do not quote, collect or hold its fees, and it is responsible for its own work, which is subject to the standards and code of ethics of the Institute of Chartered Accountants of India. We can introduce you to it; you are not bound to use it.
• Court appearances, legal opinions and legal representation are by independent advocates, and work that only an insolvency professional may do under the insolvency law is by an independent insolvency professional, as set out in section 4.
• What our team prepares for you, such as scheme applications, DPRs, drafts, reconciliations and documentation, is documentation and compliance support. It is not an audit, a certificate, an attestation or legal advice, and it does not make us your chartered accountant or your lawyer.

4. Legal services, independent advocates and insolvency professionals

• Our team prepares documents and paperwork for you from the facts and instructions you give us: for example demand notices, claim forms, agreements and loan-paper bundles. This documentation and drafting support is not legal advice. A draft is not a legal opinion, and you remain responsible for deciding whether and how to use it.
• Appearances before courts and tribunals, legal opinions and legal representation are by independent advocates, not by Subsidy Setu. If your matter needs an advocate, we will tell you and, if you ask, share the contact details of more than one independent advocate you can approach directly. You may also use your own advocate, or none.
• In an insolvency or liquidation matter, acting as an interim resolution professional, resolution professional or liquidator, and any other work that only an insolvency professional may do, is by an independent insolvency professional, not by Subsidy Setu. If you need one, we will, if you ask, share the contact details of more than one independent insolvency professional you can approach directly. You may also use your own, or none.
• The advocates and insolvency professionals are independent: they are not our employees, partners or agents, and we do not rank or recommend one over another. You choose whom to contact. You agree the scope and fees with the advocate or insolvency professional directly; they contract with you and bill you directly. Their advice, work, conduct and fees are between you and them, and we are not a party to that engagement.
• We charge no fee for an introduction and take no fee from the advocate or insolvency professional. No referral payment is made in either direction. We share details of your matter with an advocate or insolvency professional only if you separately agree to it. An insolvency professional who is acting as interim resolution professional, resolution professional or liquidator in a matter never reviews our documents for that matter.
• We do not guarantee the outcome of any case, notice, application, negotiation, settlement, recovery, admission or order. Which court or tribunal has jurisdiction over your matter, and the time limits that apply, are for your advocate to confirm.
• What you tell us is kept confidential as set out in section 12. Because we are not a law firm, what you tell us is not protected by the legal professional privilege that covers what you tell your own advocate; if you need that protection, speak to your advocate directly.

See how introductions work and advocate services.

5. Information, not advice

The scheme pages, Knowledge Hub articles, Government Updates, FAQs and calculators on this website are general information for a wide audience. They are not legal, tax, financial or professional advice to you, do not create a client relationship, and should not be acted on without advice that takes your own facts into account. Figures such as tax slabs, thresholds and subsidy rates are stated as at the date shown on the page and may have changed since. Where we use our assistant software, Setu AI, to help prepare content or drafts, the result is labelled “Prepared with Setu AI assistance”, and a paid draft is reviewed by a qualified professional on our team before it reaches you. See our Disclaimer.

6. Free tools

The Eligibility Checker, DPR Builder and similar tools produce estimates from the information you enter and simplified rules. Results are indicative: a scheme shown as a match may not be available to you once the full eligibility conditions, your area category, sector and documents are examined, and a DPR generated by the tool is a draft that must be reviewed by a qualified professional and, where a bank or authority requires a certificate from a chartered accountant, certified by one (section 3) before it is submitted. We may change, suspend or withdraw a free tool at any time.

7. Paid products and online payments

Where a paid digital product is offered, its price is shown before payment and is inclusive of applicable taxes unless stated otherwise. Refunds are governed by the Refund & Cancellation Policy. Payments are processed by a third-party payment gateway; we do not store your card or bank details.

When online payment is available for a service, the total price, including applicable GST, is shown before you pay. The GST invoice we issue shows the seller’s legal name, address and GSTIN and the tax charged. Services delivered by the associated chartered-accountant firm or by an independent advocate are agreed with, and billed by, that firm or advocate directly (sections 3 and 4); they are not paid for through the platform.

8. Our services and fees

• Each engagement with us starts with a written scope and fee quote. Work begins once the quote is accepted and any advance is received.
• Fees are exclusive of GST unless the quote says otherwise. Government fees, portal charges, stamp duty, bank charges and other third-party costs are payable in addition and will be disclosed before they are incurred.
• Where a success fee is agreed, it is payable on actual disbursement of the subsidy, as set out in the quote.
• Work that needs a chartered accountant or an advocate is engaged and billed separately by the associated chartered-accountant firm or the advocate, on their own terms (sections 3 and 4). Their fees are not included in our quote.
• Indicative timelines are given in section 16; they depend on receiving complete information and documents from you.

9. Your responsibilities

• Provide accurate, complete and current information and genuine documents, and tell us promptly if anything changes.
• Respond to requests for information within the agreed time; delays on your side extend our timelines.
• Make the declarations in any application yourself and ensure they are true. We prepare documents on the basis of what you tell us; you remain responsible for the accuracy of what is filed in your name.
• Pay fees as agreed.
• Keep your login credentials confidential. You are responsible for activity under your account, and must tell us at once if you believe it has been misused.

10. Partner programme

Our referral and expert-network programme is open to applicants we approve. Approval is at our discretion and may be withdrawn. Commission is calculated on the professional fee actually received from a referred client, never on the subsidy amount, at the rates and under the conditions shared at onboarding. Partners must not make promises about eligibility, approvals, timelines or amounts on our behalf, must not describe themselves as our employees or as government representatives, and must comply with applicable law and any professional rules that apply to them. We may withhold or reverse commission on referrals obtained through misrepresentation, and may suspend or close a partner account for breach of these Terms.

Partner API. If we give an approved partner access to our partner API, the following also apply.

• Keys. A key is issued to the partner, is shown once, expires on the date shown and is confidential. The partner must keep it secret, must not share it, and is responsible for everything done with it. We may revoke a key at any time.
• Limits. Calls are limited as notified to the partner, and a call over a limit may be refused. We do not promise that the API will be available without interruption.
• Data minimisation. The partner sends only what the API asks for. A person may be referred only if they have agreed to be contacted; the partner must hold that agreement, be able to show it to us on request, and make sure the statement sent with the referral is true. That statement is the partner’s, not the person’s own consent: we ask the person ourselves before we contact them further.
• Webhooks. A partner may give us one secure web address to receive status messages about its own referrals. A message carries a reference and a status word only. The partner must keep the signing secret confidential and check the signature of every message.
• No client documents. No client document or tax data is shared through the API, and the API must not be used to collect any.
• Termination. We may suspend or end API access, revoke keys and stop webhooks at once if these Terms or the limits are breached or the programme ends. The partner may end its use at any time by revoking its keys.

11. Contributing articles to the Knowledge Hub

If you submit an article through Write for Us or otherwise, the following applies:

• You confirm the article is your own original work, has not been published elsewhere, does not infringe anyone’s rights and is accurate to the best of your knowledge.
• You grant Subsidy Setu Advisory a non-exclusive, perpetual, royalty-free, worldwide licence to publish, edit, shorten, update, translate, distribute and remove the article and to use it in our newsletters, social channels and other materials, with attribution to you. You keep ownership of your work and may publish it elsewhere after it appears here.
• We may edit for accuracy, clarity and house style, add or change headings, links and sources, and decline or remove any submission without giving reasons. Submission does not guarantee publication, and we do not pay for contributions unless agreed in writing.
• You will be credited by the name and bio you provide. You may ask us to remove or anonymise your article at any time by writing to us; we will do so within a reasonable time, though cached or syndicated copies may persist.
• Articles express the author’s views and are general information (section 5), not advice from Subsidy Setu.

12. Confidentiality and personal data

Information and documents you share for a professional engagement are kept confidential and used only to deliver that engagement, unless disclosure is required by law or you authorise it. Personal data submitted through the website is handled as described in the Privacy Policy; where we ask for your consent (for example on an enquiry form) you may withdraw it at any time using the grievance page, a withdrawal link, where a message from us includes one, or, once available to you, “My consents” in the client portal, without affecting processing done before withdrawal.

13. Intellectual property

The website, its design, text, scheme database, calculators, DPR templates and financial models, and the Knowledge Hub (subject to contributors’ rights under section 11) are owned by Subsidy Setu Advisory or its licensors. You may read, print and share links to our content for personal or internal business use, and quote short extracts with attribution and a link. You may not reproduce substantial parts of the site, scrape it, or use our content to build a competing database or service without written permission. Clients receive a non-exclusive licence to use the DPRs and documents we prepare for them for the purpose for which they were prepared.

14. Acceptable use

• Do not submit false information, impersonate anyone, or use the website for any unlawful purpose.
• Do not attempt to access accounts, data or systems you are not authorised to use, probe or disrupt the website, or circumvent payment, rate limits or access controls.
• Do not use automated means to extract data from the site beyond what search engines and the published feeds (RSS, llms.txt) are intended for.
• Do not post or submit content that is defamatory, infringing, misleading or unlawful.

We may suspend or terminate access to the website or any account for breach of these Terms.

15. Advertising and third-party links

Parts of the website, including the Knowledge Hub, may carry advertising served by third parties such as Google AdSense. Advertisements are not endorsements, and we are not responsible for advertisers’ products or sites. The website also links to government portals and other external sites; we do not control them and are not responsible for their content or availability.

16. Indicative service timelines

These are the timelines we work to for a typical engagement once we have your complete information and documents. They are targets, not guarantees, and government processing times are outside our control.

17. Disclaimers and limitation of liability

The website and its free tools are provided “as is” and “as available”. We make reasonable efforts to keep information accurate and the site available, but do not warrant that either will be error-free or uninterrupted.

To the maximum extent permitted by applicable law, Subsidy Setu Advisory is not liable for:

• rejection, delay or partial sanction of any application by a government authority, bank or lender;
• changes to, suspension or closure of any scheme, or changes in eligibility criteria or rates;
• loss arising from inaccurate, incomplete or late information or documents provided by you or on your behalf;
• decisions you take on the basis of general information on this website or output of a free tool;
• the advice, work, acts, omissions, conduct, fees or results of any advocate, chartered-accountant firm or other independent professional or third party you deal with, whether or not we introduced you;
• the outcome of any case, notice, appeal, negotiation or other proceeding;
• any indirect, incidental, consequential or special loss, or loss of profit, business, opportunity or data.

Where we are liable to you for a paid service, our total liability for all claims arising from that service is capped at the fees you paid us for the service concerned. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Indian law, for example liability for fraud. This section is read with our Disclaimer.

18. Indemnity

You agree to indemnify Subsidy Setu Advisory against claims, losses and costs arising from false or misleading information or documents you provide, from content you submit to the Knowledge Hub, or from your breach of these Terms.

19. Termination

Either side may end an engagement with us by written notice; fees for work done up to that date remain payable, documents prepared until then are delivered to you, and the Refund & Cancellation Policy applies. We may suspend or close website or partner accounts for breach of these Terms. Sections 3, 4, 11 to 13 and 17 to 21 survive termination.

20. Changes to these Terms

We may update these Terms from time to time. The date at the top shows the current version. Material changes to the terms of an ongoing engagement will be agreed with you in writing; continued use of the website after a change means you accept the updated Terms.

21. Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory law to the contrary, the courts at Hisar, Haryana have exclusive jurisdiction over any dispute arising from these Terms or from your use of the website or our services.

22. Grievances and contact

For complaints about the website, our services, a partner, a published article or the handling of your personal data, write to info@subsidysetu.com with the subject “Grievance”, or call +91 94668 55953 (Mon–Sat). We acknowledge grievances within 48 hours and aim to resolve them within 30 days. You can also use the grievance page, which needs no account and gives you a reference number; our Grievance Officer is being appointed, and until that appointment is published there the form is the quickest route.

Subsidy Setu Advisory, Hisar, Haryana, India.