Terms of Service

What this is

ethro is a calculation tool that reads Interactive Brokers statements and produces draft Schedule FA, Schedule OS, and Schedule CG working sheets for Indian tax filing. It is a formatting and reconstruction aid — it is not tax, financial, legal, or investment advice, and it does not file anything on your behalf. Every figure it produces is a draft for a qualified Chartered Accountant to review, not a finished, filing-ready determination.

ethro is operated by Aryai LLP. In these Terms, "we", "us", and "our" refer to Aryai LLP.

No professional relationship

Using this tool does not create an accountant–client, advisor–client, or any other professional relationship between you and the people who built it. It is provided the way a spreadsheet template is provided: a starting point you're expected to verify, not a substitute for professional judgment on your specific situation.

Accuracy and no warranty

We've tested this tool's methodology carefully against real filings and cross-checked its output against source documents, but foreign-asset tax rules are detailed and change over time, and software has bugs. The tool is provided "as is" and "as available," without warranty of any kind, express or implied — including, without limitation, any warranty of accuracy, completeness, merchantability, or fitness for a particular purpose.

You are solely responsible for independently verifying every figure, column, and classification against your own records before relying on it for any filing.

Limitation of liability

Incorrect foreign-asset disclosure under India's Black Money Act can carry significant statutory penalties, independent of any tax actually owed. This tool is offered to help reduce that risk through careful, documented reconstruction — not to eliminate it. To the maximum extent permitted by law, the creators of this tool are not liable for any direct, indirect, incidental, or consequential loss or damages — including statutory penalties, interest, professional fees, or lost time — arising from your use of, or reliance on, this tool or its output.

Fees and licensing

Generating reports and previewing them is free; downloading the full reports costs ₹200 per brokerage account, per financial year. A purchase covers one brokerage account for one financial year, including as many re-runs and re-downloads as you reasonably need while preparing that filing. Each additional brokerage account requires its own purchase. Where no payment is collected yet, downloads are simply free. Refunds are governed by the Refund Policy.

Acceptable use

This tool is intended for personal, informational use in preparing your own tax filings. Please don't use it to scrape, resell, or redistribute its output as a certified or professional filing service, or attempt to automate bulk access in a way that degrades it for other users. Don't alter the contents of a brokerage statement to circumvent per-account licensing — apart from being a violation of these terms, it corrupts the reports the tool produces for you.

Changes

These terms may be updated as the tool changes. Continued use after an update means you accept the revised terms.

Contact

Questions about these terms? Reach us through the contact page.