1. Acceptance of Terms

1.1 Agreement

Welcome to My Kundli AI ("Service," "we," "our," or "us"). By accessing or using our website, mobile application, APIs, and services (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Services.

1.2 Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years of age or the age of legal majority in your jurisdiction
• You have the legal capacity to enter into a binding contract
• You are not barred from using the Services under applicable laws
• If using on behalf of a minor, you are their legal guardian with authority to consent

1.3 Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Services after changes constitutes acceptance. Material changes will be notified via email or prominent notice on the website.

2. Description of Services

2.1 Service Overview

My Kundli AI provides AI-powered Vedic astrology services including:

• Birth chart (Kundli) generation and analysis using astronomical calculations
• AI-powered astrological interpretations and consultations
• Daily, weekly, and monthly horoscope predictions
• Compatibility matching (Kundli Milan) for relationships
• Career guidance based on astrological analysis
• Dasha (planetary period) predictions
• Transit analysis and timing guidance
• Educational content about Vedic astrology

2.2 AI-Powered Nature

2.3 Service Availability

We strive to maintain 99% uptime but do not guarantee uninterrupted access. Services may be temporarily unavailable for maintenance, updates, or circumstances beyond our control.

4. User Accounts and Responsibilities

4.1 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4.2 Birth Data Accuracy

For accurate astrological calculations, you must provide:

• Correct date of birth
• Accurate time of birth (as precise as possible)
• Correct place of birth

Inaccurate birth data will result in incorrect charts and predictions. We are not responsible for errors caused by incorrect user-provided data.

4.3 Prohibited Activities

You agree NOT to:

• Use Services for any illegal, fraudulent, or unauthorized purpose
• Violate any applicable laws, including Indian and US regulations
• Attempt to reverse engineer, decompile, or hack our systems
• Use automated scripts, bots, or scrapers to access Services
• Share account credentials or create multiple accounts
• Reproduce, distribute, or commercially exploit our content without written permission
• Use predictions to mislead, manipulate, or defraud others
• Impersonate any person or entity
• Post defamatory, obscene, offensive, or harmful content
• Interfere with other users' access to Services

4.4 Account Termination

We may suspend or terminate your account immediately, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Conduct that harms our Services or other users
• Request by law enforcement or government authority

Upon termination, your right to use Services ceases immediately.

5. Subscription and Payments

5.1 Pricing and Billing

Our Services offer free and premium subscription tiers:

• Free Tier: Limited access to features
• Premium Tier: ₹149/month (Indian Rupees) or equivalent in local currency

All prices are inclusive of applicable taxes (GST for Indian users).

5.2 Payment Processing

Payments are processed securely through:

• Razorpay (for Indian users) - RBI-authorized payment aggregator
• Stripe (for international users)

By making a payment, you agree to the respective payment processor's terms. We do not store your credit card details.

5.3 Subscription Terms

• Subscriptions automatically renew unless cancelled
• Cancel anytime through account settings
• No partial refunds for unused subscription periods
• Price changes require 7 days advance notice

5.4 Refund Policy

Refund requests must be made within 7 days of purchase.

Refunds are granted at our sole discretion for:

• Technical issues preventing service delivery
• Billing errors
• Unused subscription periods (prorated)

No refunds for:

• Digital services already consumed
• Change of mind after using premium features
• Violations of Terms leading to account termination

Refund processing time: 5-10 business days to original payment method.

6. Intellectual Property Rights

6.1 Ownership

All content, features, and functionality are owned by Decentralized Inc. or its licensors:

• Software, algorithms, AI models, and code
• Website design, graphics, user interface, and visual elements
• Text, images, multimedia content, and educational materials
• Trademarks, logos, brand elements ("My Kundli AI")
• Astrological interpretations and generated reports

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use Services for personal, non-commercial purposes
• Download content for personal use only
• Share content with attribution for non-commercial purposes

6.3 Restrictions

You may NOT:

• Copy, modify, or create derivative works of our content
• Use our trademarks without written permission
• Sell, license, or commercially exploit our content
• Remove copyright or proprietary notices

6.4 User Content

Content you submit (questions, feedback) remains yours, but you grant us:

• A worldwide, non-exclusive, royalty-free license to use, display, and process it
• The right to use anonymized data to improve our AI models
• Permission to use testimonials (with consent) for marketing

7.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Decentralized Inc., its officers, directors, employees, agents, and affiliates shall NOT be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury, emotional distress, or psychological harm
• Any damages arising from reliance on astrological predictions
• Damages from decisions made based on our guidance
• Service interruptions, data loss, or security breaches

7.2 Liability Cap

7.3 Exceptions

Nothing in these Terms:

• Excludes liability that cannot be excluded under applicable law
• Limits liability for fraud, gross negligence, or willful misconduct
• Affects statutory rights that cannot be waived

7.4 Assumption of Risk

8. Indemnification

You agree to indemnify, defend, and hold harmless Decentralized Inc. and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit through our Services
• Your reliance on astrological predictions or guidance

We reserve the right to assume exclusive defense of any matter subject to indemnification.

9.1 Governing Law

These Terms shall be governed by and construed in accordance with:

• The laws of the State of Delaware, United States (for US users)
• The laws of India (for Indian users)

Without regard to conflict of law principles.

9.2 Jurisdiction

9.3 Informal Resolution

Before filing any claim, you agree to:

1. Contact us at [email protected] to attempt resolution
2. Allow 30 days for us to respond and attempt resolution
3. Engage in good faith negotiations

9.4 Arbitration (US Users)

9.5 Consumer Forum (Indian Users)

For consumer disputes, Indian users may approach the appropriate Consumer Disputes Redressal Forum under the Consumer Protection Act, 2019, in addition to other remedies.

9.6 Class Action Waiver

10.1 Privacy Policy

Your use of Services is governed by our Privacy Policy, available at https://www.mykundliai.com/privacy, which is incorporated by reference into these Terms.

10.2 Data Processing

By using our Services, you consent to:

• Collection and processing of your personal data as described in the Privacy Policy
• Transfer of data to the United States and other countries where we operate
• Processing by third-party service providers (Firebase, Google, Vercel, etc.)

10.3 Indian User Rights

For users in India, your data rights under the Digital Personal Data Protection Act, 2023 are respected. See our Privacy Policy for details.

11. Third-Party Services

11.1 Third-Party Integration

Our Services integrate with third-party providers:

• Firebase (Google) - Authentication and database
• Google Gemini AI - Astrological interpretations
• DeepSeek AI - Additional AI processing
• Microsoft Clarity - Analytics
• Razorpay/Stripe - Payment processing
• Vercel - Website hosting

11.2 Third-Party Terms

Your use of third-party services is governed by their respective terms. We are not responsible for:

• Third-party service availability or performance
• Third-party data practices
• Content on third-party websites

11.3 External Links

Our Services may contain links to external websites. We are not responsible for their content, privacy practices, or terms of use.

12. Termination and Survival

12.1 Termination by You

You may stop using our Services at any time. To delete your account and data, contact [email protected].

12.2 Termination by Us

We may terminate or suspend your access immediately for violations of these Terms or for any other reason at our sole discretion.

12.3 Survival

Provisions that by their nature should survive termination shall continue:

• Intellectual property rights
• Limitation of liability
• Indemnification
• Dispute resolution
• Any accrued payment obligations

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction:

• Such provision shall be modified to the minimum extent necessary to make it enforceable
• The remaining provisions shall continue in full force and effect
• The invalid provision shall be interpreted to achieve its original intent

14. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Decentralized Inc. regarding your use of the Services and supersede all prior agreements, understandings, and communications.

15. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless in writing signed by an authorized representative.

16. Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms freely without restriction.

17. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Natural disasters, wars, terrorism
• Government actions or regulations
• Internet outages or technical failures
• Acts of third-party service providers

18. Contact Information

For questions about these Terms, please contact us:

19. Language

These Terms are drafted in English. In case of translation into other languages, the English version shall prevail in case of any conflict.

20. Acknowledgment