Effective Date: November 14, 2026
By accessing or using CMASetu (the "Platform"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our services.
CMASetu is an automated financial compilation software designed for Chartered Accountants, Tax Consultants, and Business Owners. We provide tools to generate Credit Monitoring Arrangement (CMA) reports, Traditional Balance Sheets, and EMI schedules based on user inputs.
We do not audit or verify the financial data you input. CMASetu and its owners are not responsible for the rejection of loan applications, credit facilities, or tax filings arising from unrealistic or incorrect data inputted by the user.
Access to premium features, including PDF generation and data saving, requires a payment (Per-Report or Subscription). All payments are processed securely via third-party gateways. Due to the digital nature of the generated reports, payments are generally non-refundable once a report has been successfully generated and downloaded.
The proprietary algorithms, codebase, UI/UX designs, and logic (including Capital Continuity locks) that power CMASetu are the exclusive intellectual property of CMASetu. Users may not reverse engineer, copy, or resell the platform's core mechanics.
In no event shall CMASetu, its founders, or affiliates be liable for any indirect, incidental, special, or consequential damages, including loss of profits, revenue, or business interruptions arising from the use of our software.