Terms & Conditions
Capital & Trading Institute of Finance • Consistency creates Capital
Welcome to CATIF (catif.in)
By accessing or subscribing to services provided by CATIF (Capital and Trading Institute of Finance) ("Company", "we", "us", or "our"), including WhatsApp Bulk Sender, WhatsApp 24/7 Chatbot, Social Media Connect, and One-Time Event & Invitation tools, you agree to be legally bound by these Terms and Conditions.
1. About the Company & Legal Entity
CATIF is a registered commercial enterprise established and existing under the laws of the Republic of India, with registered office located at Trichy, Tamil Nadu, India. The entity is registered under the Goods and Services Tax (GST) framework in India.
2. Services & Digital Software Licenses
CATIF delivers commercial cloud software, automation workflows, and marketing communication tools including:
- WhatsApp Bulk Sender: Direct messaging tools equipped with human typing simulation, randomized delay safety buffers, spintax, and rolling anti-ban quota management.
- WhatsApp 24/7 Auto-Responder & Chatbot: Always-on keyword triggers, interactive numbered menu navigation, and dual/single WhatsApp SIM hub pairing support.
- Social Media Connect: Unified multi-platform scheduler and simultaneous publisher supporting YouTube, Instagram, Facebook Pages, LinkedIn, Threads, and X (Twitter).
- One-Time Event & Invitation Plans: Short-term access for wedding invitations, festival greetings, and public event broadcasts with no recurring monthly commitments.
- Website Engineering & Custom Solutions: Dedicated web development, APIs, hosting provisioning, and payment integrations quoted on a milestone basis.
3. Pricing, Subscriptions & GST Invoicing
All subscription and event pricing is clearly published on catif.in:
- WhatsApp Bulk Sender: ₹1,500 per month (inclusive of all applicable 18% GST).
- WhatsApp Chatbot: ₹1,500 per month (inclusive of all applicable 18% GST).
- WhatsApp Combo (Bulk Sender + Chatbot): ₹2,500 per month (inclusive of 18% GST).
- Social Media Connect: ₹1,500 per month (inclusive of 18% GST) with configurable monthly post quotas.
- All-In-One Growth Suite: ₹3,000 per month (inclusive of 18% GST), granting unified access to all automation tools.
- One-Time Event Plans: ₹300 (Basic • 500 contacts), ₹500 (Standard • 2,000 contacts), and ₹1,000 (Premium • 5,000 contacts) with zero recurring renewals.
- Billing Processing: Payments are securely processed through authorized gateway partners including Zoho Payments, supporting UPI, Debit/Credit Cards, and Net Banking.
4. Account Creation, Security & Identification
Upon successful payment processing, each client creates their unique CATIF account credentials. For security, audit trails, and communication purposes, we require and verify:
- Full Legal Name / Business Name: Required for invoice generation and tax compliance.
- Unique Username and Salted Password: Cryptographically secured and hashed credentials.
- Valid Email Address: Used for license keys, official receipts, and credential recovery.
- Verified 10-Digit Mobile Number: Used for two-factor authentication, WhatsApp service dispatch, and security alerts.
5. Acceptable Use Policy & Anti-Spam Guidelines
Subscribers must comply with all applicable local, national, and international laws, including the Information Technology Act, 2000, and platform-specific community standards:
- Users must not use CATIF tools to transmit unsolicited, deceptive, abusive, or spam communications.
- Users must obtain prior explicit consent from recipient phone numbers before sending bulk promotional broadcasts.
- CATIF provides technical rate-limiting safety shields (delays, 24-hour quota caps); however, users remain solely responsible for the content and recipients of their communications.
- Any account found engaging in illegal activities or harassing recipients is subject to immediate suspension without refund.
6. Refund & Cancellation Terms
Our refund policy is governed by the published Refund & Cancellation Policy available on catif.in.
Refund Eligibility
- Subscribers may request cancellation within 3 working days of account activation.
- Refund requests must be submitted through the official CATIF support channels.
- Refund approvals are subject to account verification and service usage review.
- If no substantial usage of the subscribed service has occurred, CATIF may approve a refund according to the Refund Policy.
Service-Specific Conditions
- WhatsApp Bulk Sender subscriptions that have already executed campaigns, message broadcasts, or bulk delivery activities may not be eligible for a full refund.
- WhatsApp Chatbot subscriptions with completed configuration, custom setup, workflow creation, or active deployment may be subject to partial refund eligibility.
- Social Media Connect subscriptions may not be eligible for full refunds after scheduled publishing, content posting, account connection, or service utilization.
- Website Development services are customized project-based services and are generally non-refundable once development work has commenced.
Refund Processing
- Approved refunds will be initiated within 24 hours of approval.
- UPI refunds are generally processed within 24-48 hours.
- Card payments may require 5-7 business days depending on the banking institution.
- Refund timelines may vary based on payment gateway processing requirements.
Subscription Cancellation
- Users may disable auto-renewal at any time before the next billing cycle.
- Cancellation prevents future billing but does not automatically guarantee a refund for the current billing period.
Fraud Prevention
- CATIF reserves the right to reject refund requests involving abuse, fraudulent activity, policy violations, chargeback misuse, or deliberate service exploitation.
Final Authority
- CATIF reserves the right to review refund requests on a case-by-case basis.
- The final decision regarding refund approval, partial refund approval, or rejection shall remain at the sole discretion of CATIF in accordance with applicable laws and the published Refund & Cancellation Policy.
7. Limitation of Liability & Warranties
CATIF provides its software "as is" and "as available". While we maintain 99.9% platform availability, we do not guarantee uninterrupted third-party network services (e.g., WhatsApp Web protocol changes, Meta API outages, or telecommunication network disruptions). Under no circumstances shall CATIF's total aggregate liability exceed the total subscription fee paid by the user in the immediately preceding 30 days.
8. Governing Law & Jurisdiction
These Terms and any dispute arising from or related to the use of CATIF services shall be governed exclusively by the laws of India. Any legal dispute or proceeding shall be subject to the exclusive jurisdiction of the competent courts in Trichy, Tamil Nadu, India.
9. Contact & Inquiries
For questions, legal notices, subscription inquiries, or billing support regarding these Terms and Conditions:
CATIF
Capital and Trading Institute of Finance
Consistency Creates Capital