📄 Terms & Conditions

1. Acceptance of Terms

Welcome to HealthVaultFamily (hereinafter referred to as "Company", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your use of our software-as-a-service platform, website, and related services (collectively, the "Service").

By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service. These Terms are a legally binding contract between you and the Company.

2. Eligibility

You must be at least 18 years of age and have the capacity to enter into a legally binding contract under the Indian Contract Act, 1872, or the applicable law of your jurisdiction. By using the Service, you represent and warrant that you meet these requirements.

3. Account Registration & Security

• You must provide accurate, complete, and current information during registration.
• You are solely responsible for maintaining the confidentiality of your account credentials.
• You agree to notify us immediately of any unauthorised access or use of your account.
• We reserve the right to suspend or terminate accounts that violate these Terms.

4. Use of the Service

4.1 License Granted

Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term of your subscription.

4.2 Prohibited Conduct

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable laws.
• Reverse engineer, decompile, or disassemble the Service or any part thereof.
• Copy, modify, or create derivative works based on the Service.
• Remove or alter any proprietary notices or branding.
• Use the Service to store or transmit malicious code, viruses, or harmful content.
• Access or attempt to access any system or network without authorisation.
• Interfere with or disrupt the integrity or performance of the Service.
• Share, sell, rent, or sublicense the Service to third parties.

5. Intellectual Property Rights

This clause is critical to protecting our software and your rights. We have structured it in accordance with established legal principles under the Indian Copyright Act, 1957, and global best practices.

5.1 Our IP

All rights, title, and interest in and to the Service, including but not limited to software, code, algorithms, user interfaces, graphics, trademarks, trade secrets, and any derivative works thereof, are and shall remain the sole and exclusive property of the Company. The Service is protected by copyright, trade secret, and other intellectual property laws.

5.2 Your Content

You retain ownership of all data, information, and materials that you upload, submit, or otherwise make available through the Service ("User Content"). However, by using the Service, you grant us a non-exclusive, worldwide, royalty-free, sublicensable license to use, store, display, and process your User Content solely to provide, maintain, and improve the Service.

5.3 Feedback

If you provide us with any suggestions, feedback, or ideas regarding the Service, you agree that we may use them freely without any obligation to compensate you.

6. Subscription, Billing & Payments

• Pricing: Subscription fees are as set forth on our pricing page and may be updated from time to time with reasonable notice.
• Billing: You authorise us to charge your selected payment method for the applicable fees. All fees are in INR (?) unless otherwise stated and are exclusive of applicable taxes (including GST).
• Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date. You can manage your subscription settings in your account dashboard.
• Refunds: Refunds are provided at our sole discretion. Please review our refund policy before subscribing.

7. Termination & Suspension

• By You: You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing cycle.
• By Us: We may suspend or terminate your account immediately if you breach these Terms, engage in fraudulent or illegal activity, or fail to pay fees when due.
• Effect: Upon termination, your right to use the Service ceases, and we may delete your User Content after a reasonable period (usually 30 days) unless otherwise required by law.

8. Warranty Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Company, its affiliates, directors, employees, or agents be liable for:

• Any indirect, incidental, special, consequential, or punitive damages;
• Loss of profits, revenue, data, or business opportunities;
• Any unauthorised access to or use of our servers and/or any personal information stored therein.

Our total liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the total amount paid by you to us during the twelve (12) months preceding the event giving rise to the claim.

This limitation applies to all causes of action, whether in contract, tort (including negligence), or otherwise.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its personnel from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the Service in violation of these Terms;
• Your violation of any applicable law or regulation;
• Your User Content;
• Your infringement of any third-party intellectual property or other rights.

11. Data Protection & Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. We process personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), and applicable global regulations.

By using the Service, you consent to such processing and warrant that all data provided by you is accurate and lawfully obtained.

12. Governing Law & Dispute Resolution

• Governing Law: These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles.
• Jurisdiction: Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.
• Dispute Resolution: The parties shall attempt to resolve any dispute amicably through good-faith negotiations. If the dispute cannot be resolved within 30 days, it shall be referred to mediation in accordance with the rules of the Indian Mediation Council, and if not resolved, to arbitration in accordance with the Arbitration and Conciliation Act, 1996.

13. Miscellaneous

• Force Majeure: We shall not be liable for any delay or failure to perform due to causes beyond our reasonable control.
• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Service.
• Amendments: We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Your continued use of the Service after such changes constitutes your acceptance of the updated Terms.

4. Prohibited uploads and safety policy

HealthVault Family is intended for lawful medical, prescription, insurance, and health-management information. You must not upload, store, transmit, or attempt to process content that is unlawful, abusive, exploitative, or unrelated to the feature being used.

• Sexual content: sexually explicit material, pornography, sexual exploitation, or sexualized content that is not part of a legitimate clinical record is prohibited.
• Child sexual abuse: any child sexual abuse or exploitation material, sexualized depiction of a minor, grooming content, or facilitation of abuse is strictly prohibited.
• Non-consensual imagery: intimate imagery shared without consent, sexual exploitation, or privacy-invasive content is prohibited.
• Violence and exploitation: graphic non-clinical gore, glorification or instructions for violence, terrorism or extremist propaganda, credible threats, hate or targeted harassment, and instructions facilitating illegal wrongdoing are prohibited.
• Irrelevant or deceptive files: random photographs, scenery, food, advertisements, blank files, or files unrelated to the selected medical, prescription, insurance, or reminder feature must not be uploaded.

Uploads are checked before OCR or AI processing. Content that is inappropriate, unsafe, irrelevant, or not the required medical or insurance document may be rejected and removed. Where the upload flow displays a Quick AI - OCR Scan charge, the applicable credit charge shown in brackets may be deducted and recorded in the AI-credit transaction history even when the upload is rejected. Verification failures caused by a service or technical problem are handled separately and do not represent acceptance of the file.

Legitimate clinical material, including medical anatomy, medical nudity, injury photographs, surgical images, or clinical reports describing abuse or violence, may be accepted when clearly submitted for healthcare purposes and otherwise meets the selected upload requirements.

We may block, remove, flag for review, suspend, or terminate access for violations of this policy and may report unlawful content to the appropriate authorities where required by law.

5. AI credits and AI feature consumption

Some AI-assisted features use AI Credits. AI Credits are usage units for the Service and are not money, a bank balance, stored value, or a promise of a particular number of AI responses. The applicable task cost is shown in the Service or configured for the relevant feature and may differ between standard and Quick AI actions. We may change task costs prospectively by updating the displayed pricing or credit information.

5.1 When credits may be charged

• Credits may be charged for eligible OCR, document validation, summaries, medical-information actions, AI chat, and other AI tasks identified in the Service.
• Standard AI actions use the configured normal task cost. Quick AI actions use the configured QuickCost for that task. The transaction history records the task description, amount, balance after the transaction, and related reference when available.
• A request may be checked for available credits before processing. If the balance is insufficient, the task may be refused without an AI response.
• AI output is normally charged only after a successful provider response. However, a safety, relevance, or policy validation flow may charge the displayed applicable cost even when the submitted item or question is rejected. In particular, a non-medical AI chat question may be rejected before provider processing and the configured chat charge may still be recorded.
• Charges are recorded in AI Credit Transaction History. Except where required by law or expressly stated in the Service, consumed credits are not refundable, transferable, redeemable for cash, or restored merely because the output was not useful, incomplete, or different from what you expected.

5.2 Permitted AI use and medical limitations

AI chat and document features are intended only for medical, healthcare, prescription, laboratory, imaging, insurance, medication, symptom, diagnosis, treatment, or related health-record questions and documents. Non-medical questions may be rejected and charged as described above. AI output may be inaccurate, incomplete, outdated, or misinterpret a document. It is for general information and organization only, is not a diagnosis or medical advice, and must not be used alone to start, stop, change, or dose medication or treatment. Always verify important information against the original record and consult a qualified healthcare professional. For emergencies, contact local emergency services.

5.3 Prohibited AI requests and content

You must not use AI features to generate, upload, request, store, distribute, or facilitate:

• Sexually explicit or pornographic content, sexual exploitation, sexualized content involving a minor, grooming, or any child sexual abuse or exploitation material.
• Non-consensual intimate imagery, sexual extortion, trafficking, or content that exploits or endangers another person.
• Instructions for self-harm, violence, terrorism, weapons, illegal drug activity, fraud, evasion of law enforcement, or other unlawful conduct.
• Harassment, credible threats, hateful or discriminatory abuse, impersonation, or attempts to expose another person's private information.
• Requests to diagnose, prescribe, or provide emergency decision-making as a substitute for a qualified clinician, or requests unrelated to the medical context of the feature.

We may refuse or remove content, block processing, preserve relevant records, suspend or terminate accounts, limit access to AI features, and report suspected unlawful child sexual abuse, exploitation, credible threats, or other unlawful activity to competent authorities where required or permitted by law. Do not upload illegal content for testing or ask the Service to analyze it.

Automated and human safety checks may be used to enforce these restrictions. Legitimate clinical material, including medical anatomy, injury photographs, surgical images, or clinical documentation of abuse or violence, may be accepted when clearly submitted for a lawful healthcare purpose and otherwise meets the selected feature requirements.

Account and data deletion

You may request deletion from within the application or through our public deletion resource. After confirmation, the account is deactivated immediately and remains available only in read-only mode so you can download or remove existing data. No new data may be added and no further changes may be made. Unless cancelled through authenticated contact with support, all user-linked data is scheduled for deletion after 60 days. Contact support@healthvaultfamily.com to cancel before deletion.