Fincore eSign - User Agreement

1. Who we are and what you are agreeing to

Fincore eSign (the “Service”), available at esign.fincoreerp.com, is a product of Chaturvedi Software House LLC (“CSH”, “we”, “us”), a company established in Dubai, United Arab Emirates.

By selecting “I agree” and using the Service you enter into this User Agreement with CSH on behalf of yourself and, where applicable, the organisation (the “Tenant”) whose account you use. This Agreement applies together with CSH's General Policies and the CSH Privacy Policy, which are incorporated by reference; where they conflict for use of the Service, this Agreement prevails.

If you do not agree, do not use the Service.

2. Definitions

“Tenant” means the organisation licensed by CSH to use the Service, identified by its own isolated workspace.

“User” means an individual with portal login credentials under a Tenant (Owner, Admin or Member), or CSH platform staff.

“Signer” means a person invited by email to review and electronically sign a document; Signers act under the invitation, identity-verification and consent flow presented to them and are not required to hold portal accounts.

“Envelope” means a document packaged for signature together with its recipients, status and audit trail.

3. Accounts

Portal accounts are provisioned by CSH or by a Tenant Owner/Admin; there is no self-service signup. You must provide accurate information and keep your credentials confidential; activity under your login is attributed to you.

You must notify CSH promptly of any suspected unauthorised use of your account.

4. The Service: an evidence platform, not legal advice

The Service transmits documents for electronic signature, verifies Signer access via emailed one-time codes, captures consent, and produces a signed artifact and a Certificate of Completion carrying cryptographic hashes (SHA-256) and an event-by-event audit record.

The Service provides evidence of signing events. It does not provide legal advice and makes no representation that any particular signature is valid, binding or enforceable for your specific document type or jurisdiction; some instruments (for example certain notarised, court or real-property documents) may require other formalities. Assessing suitability is the Tenant's responsibility.

The Service includes a public verification tool at esign.fincoreerp.com/verify. Files checked with that tool are fingerprinted (SHA-256) inside the visitor's own browser; the file itself is never transmitted to, received by, or stored on CSH systems. Only the fingerprint is sent, and a successful match discloses only the envelope's completion time and the sending Tenant's name.

5. Consent to electronic records

You consent to conduct business electronically through the Service: records, agreements, notices and disclosures may be provided and signed in electronic form, and you will not deny them effect solely because they are electronic.

6. Licences, quotas and fair use

Use of the Service is subject to the commercial agreement between CSH and the Tenant, including document quotas per licence period. Consumption is counted when an Envelope is sent. CSH may suspend sending when a quota is exhausted or an account is used abusively.

7. API access and integrations

Programmatic access to the Service (REST API, webhooks) is available only to registered Tenant Users: API keys are issued inside the portal by a Tenant Owner and belong to that Tenant. There is no API access without first being registered as a Tenant user of the Service.

The Tenant is responsible for systems it connects: safeguarding API keys and webhook signing secrets, verifying webhook signatures, and the behaviour of its integrations. CSH may throttle or revoke keys that exceed rate limits, are compromised, or are used contrary to this Agreement.

Test-mode keys exist for development and do not consume quota; envelopes sent with them are not intended for legally significant use.

8. Acceptable use

You must not use the Service to send unlawful, fraudulent or deceptive documents; to impersonate any person; to send unsolicited bulk mail; to upload malicious code; to attempt to access another Tenant's data; or to probe, disable or overload the Service. CSH may suspend access immediately to protect the platform or other customers.

9. Customer data, privacy and hosting

Documents and signing data belong to the Tenant. CSH processes them to operate the Service, as described in the CSH Privacy Policy.

The Service currently stores data with reputable cloud subprocessors: application hosting on Vercel, database hosting on Supabase (AWS ap-south-1, Mumbai, India), document storage on Cloudflare R2, and email delivery via Resend (or the Tenant's own connected email provider). Data residency is stated honestly: primary data is not hosted inside the UAE today; CSH may update hosting locations and will reflect material changes in these terms or the Privacy Policy.

Each Tenant's data is isolated by tenant-scoped access controls enforced at the database layer.

10. Retention and deletion

Tenants may delete document content under their retention choices; audit trails and certificates of completed envelopes are retained as evidence records. Signed documents already delivered to Signers or synced to the Tenant's own storage remain outside CSH's control.

11. Intellectual property

CSH retains all rights in the Service, its software and branding. The Tenant retains all rights in its documents. Each party grants the other only the licences necessary to operate under this Agreement.

12. Availability, disclaimers and liability

The Service is provided “as is” and “as available”. CSH does not warrant uninterrupted or error-free operation, and disclaims implied warranties to the maximum extent permitted by law.

To the maximum extent permitted by law, CSH's aggregate liability arising out of the Service in any 12-month period is limited to the amounts paid by the Tenant for the Service in that period, and CSH is not liable for indirect, consequential or special losses, or loss of profits, data or goodwill.

Nothing in this Agreement excludes liability that cannot be excluded under applicable law.

13. Suspension and termination

CSH may suspend or terminate access for material breach of this Agreement, non-payment under the applicable commercial agreement, or risk to the platform. Signers who have already received an envelope may be permitted to complete signing. On termination, the Tenant may request export of its data within a reasonable period.

14. Changes to these terms

CSH may update this Agreement. Material changes are versioned; continued use of the portal requires accepting the current version, which will be presented to you on your next visit.

15. Governing law and jurisdiction

This Agreement is governed by the federal laws of the United Arab Emirates and the laws of the Emirate of Dubai as applicable, and the courts of Dubai have exclusive jurisdiction, without prejudice to any mandatory dispute provisions in the Tenant's commercial agreement with CSH.

16. Contact

Chaturvedi Software House LLC, Dubai, United Arab Emirates. Questions about this Agreement or the Service: contact your CSH account representative or the support channel provided with your licence.