Terms & Conditions

These Terms & Conditions ("Terms") are a legally binding agreement between you and Jaikalki Technology Private Limited (CIN U62091MH2025PTC438336), a company incorporated under the Companies Act, 2013 and having its registered office at Sh N B2, First Floor, Mahavir Nagar, Deepak Hospital Road Lane, Mira Road (E), Seven Square School, Thane – 401107, India (the "Company", "Jaikalki", "we", "us", "our"). They govern your access to and use of the Nakshatralogy platform — the mobile apps, the websites at nakshatralogy.com, app.nakshatralogy.com, astro.nakshatralogy.com and developer.nakshatralogy.com, and all related services (together, the "Platform" or "Service").

This document is published in accordance with the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Consumer Protection (E-Commerce) Rules, 2020. This is a two-audience agreement: Part A applies to everyone, Part B applies to Users (seekers), Part C applies to Astrologers, and Part D applies to Developer API subscribers.

A0. Regulatory framework

This Platform, and these Terms, are drafted and operated with reference to the following Indian laws, as applicable and as amended from time to time. Nothing in this clause creates rights beyond those the underlying statute already provides.

• Companies Act, 2013 — the Company's incorporation and corporate conduct.
• Indian Contract Act, 1872 — formation and enforceability of this agreement.
• Information Technology Act, 2000 and the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 — intermediary status, content takedown, Grievance/Nodal Officer obligations, and the Grievance Appellate Committee mechanism.
• IT (Reasonable Security Practices and Sensitive Personal Data or Information) Rules, 2011 — sensitive personal data, pending full commencement of the DPDP Act.
• Digital Personal Data Protection Act, 2023 and the DPDP Rules, 2025 — the Company is aligning its practices ahead of the Act's phased commencement (see the Privacy Policy).
• Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020 — disclosure, grievance redressal, and unfair-trade-practice obligations.
• Income-tax Act, 1961 (consolidated into the Income-tax Act, 2025 with effect from 1 April 2026) — TDS on astrologer payouts (see C3).
• CGST Act, 2017; IGST Act, 2017; and State GST Acts — GST on services and Tax Collected at Source by e-commerce operators (see C3).
• Prevention of Money-Laundering Act, 2002 — KYC and record-keeping for payment and payout instruments.
• EPF & MP Act, 1952 and ESI Act, 1948 — relevant to the Company's independent-contractor classification of Astrologers (see C1).
• Foreign Exchange Management Act, 1999 — cross-border settlement of international in-app purchases.

A1. Acceptance & eligibility

By downloading, accessing, registering on, or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Refund Policy, which are incorporated by reference. If you do not agree, you must not use the Platform.

• You must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872.
• You must provide accurate, current, and complete information and keep it updated.
• If you use the Platform on behalf of an organisation, you represent that you are authorised to bind that organisation.
• You must comply with all applicable laws in your jurisdiction; the Platform is intended primarily for users in India and, where offered, internationally.

A2. Accounts & security

• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• Notify us immediately at support@jaikalki.com of any unauthorised access or security breach.
• One person may hold one primary account. Creating multiple accounts to abuse promotions, free tiers, or allowances is prohibited.
• We may require verification (OTP, email, KYC for astrologers) and may refuse, suspend, or reclaim accounts that fail verification or breach these Terms.

A2A. Virtual wallet (platform credit)

The Nakshatralogy Wallet is a prepaid virtual balance ("platform credit") that you load in advance and spend only inside the Nakshatralogy platform. In plain terms, it is store credit for our own products and services — nothing more.

• What you can use it for: buying Nakshatralogy products and services (such as specialist reports, premium features, and subscriptions) and paying for consultations with astrologers on the Platform.
• Closed-loop, our services only. The Wallet is a closed-system, single-brand stored-value facility usable solely for the Company's own goods and services. It is not a Prepaid Payment Instrument (PPI), e-money, a bank deposit, or a general-purpose payment instrument, and it is not a payment system requiring authorisation under, or governed by, the RBI's Prepaid Payment Instrument regulations.
• No cash-out, no transfer. Wallet credit cannot be withdrawn as cash or sent to a bank account, cannot be transferred to any other user or account, and cannot be used anywhere outside Nakshatralogy. No interest is payable on wallet balances.
• Adding credit (recharge). You add credit through our third-party payment gateways; we do not store your full card details. You pay the Platform for the service — astrologers are paid separately by the Company (see C3), not directly from your wallet to the astrologer.
• Refunds. Refunds for failed, cancelled, or duplicate transactions are handled under our Refund Policy — usually credited back to your Wallet, or to the original payment source where applicable.

A3. Nature of the Service

Nakshatralogy is a technology platform that (a) computes Vedic astrology charts and generates AI-assisted reports, and (b) acts as an intermediary connecting Users with independent Astrologers for consultation. The Company is not the author of an Astrologer's advice and does not itself provide astrological, medical, legal, or financial advice.

A4. Prohibited conduct

You agree not to, and not to permit others to:

• Use the Platform for any unlawful, fraudulent, or harmful purpose, or in violation of any law or third-party right;
• Post or transmit content that is defamatory, obscene, hateful, harassing, or that violates the IT Rules, 2021;
• Impersonate any person or entity, or misrepresent your identity, credentials, or affiliation;
• Circumvent, disable, or interfere with security, rate-limiting, billing, or fee mechanisms;
• Use bots, scrapers, crawlers, or automated means to access the Platform except via the official Developer API;
• Reverse-engineer, decompile, or attempt to extract source code, models, prompts, or proprietary algorithms;
• Upload malware or attempt to gain unauthorised access to systems or data;
• Solicit, conduct, request, or make any payment off the Platform — for any reason (including remedies, poojas, gemstones, tips, or "dakshina") — or move a Platform conversation to a personal channel to take payment (see C4);
• Initiate fraudulent chargebacks for services legitimately received.

A5. Intellectual property

All software, source code, design, "Nakshatralogy" and "Jaikalki" brands, logos, the mandala mark, report templates, and proprietary computation and AI systems are owned by or licensed to the Company and are protected by law. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended personal or business purpose under these Terms. You retain ownership of content you submit (e.g., birth details, profile, messages) and grant us a worldwide, royalty-free licence to host, process, and display it solely to operate and improve the Service.

A6. Disclaimers

• The Platform is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
• We do not warrant uninterrupted, timely, secure, or error-free operation, nor that content or predictions are accurate, complete, or reliable.
• Confidence scores indicate analytical reliability of a computation, not certainty of any real-world outcome.
• We are not responsible for the conduct, advice, or accuracy of any independent Astrologer, nor for decisions you take based on any consultation or report.

A7. Limitation of liability

To the maximum extent permitted by law, the Company, its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, punitive, or consequential damages, or for loss of profits, data, goodwill, or opportunity. Our aggregate liability for any claim arising out of or relating to the Service shall not exceed the amount you actually paid to us in the three (3) months preceding the event giving rise to the claim. Nothing limits liability that cannot be excluded under applicable law.

A8. Indemnity

You agree to indemnify and hold harmless the Company and its affiliates from any claim, demand, loss, or expense (including reasonable legal fees) arising out of your breach of these Terms, your violation of any law or third-party right, your content, or your use of the Service.

A9. Suspension & termination

We may suspend or terminate your access, with or without notice, if you breach these Terms, create risk or legal exposure, or engage in fraud or abuse. You may stop using the Service and delete your account at any time from in-app Settings → Delete Account (subject to Part C for astrologers with pending settlements). Provisions that by their nature survive termination (IP, disclaimers, liability, indemnity, governing law) will survive. Data handling on termination follows our Privacy Policy.

A10. Grievance redressal & governing law

In compliance with the IT Rules, 2021 and the Consumer Protection Act, 2019, the Company has appointed a Grievance Officer and Nodal Contact Person(s), and operates within the escalation framework below.

These Terms are governed by the laws of India, and the courts at Mumbai, Maharashtra have exclusive jurisdiction, subject to your statutory consumer-forum rights.

B1. Using the Service

• Free features: generating your Kundli, daily horoscope, and baseline AI insights are free. Your first "Primary" Kundli is free and cannot be deleted while it is set as primary.
• Paid features: certain deep specialist reports, additional charts, moola dasha, detailed daily forecasts, live consultations, and premium subscriptions are chargeable. Prices are always shown before purchase.
• Reports are generated for the birth details you provide. Inaccurate birth data will produce inaccurate results; you are responsible for the details you enter.

B2. Consultations with astrologers

• Consultations are provided by independent Astrologers, not by the Company. We facilitate discovery, connection, billing, and dispute handling.
• Chat, voice, and video sessions are billed per minute at the rate displayed before you start. Ensure sufficient wallet balance; sessions may end automatically when the balance is exhausted.
• You must treat astrologers with respect. Abusive, threatening, or sexually explicit behaviour will result in session termination and possible account suspension.
• Do not rely on any consultation for medical, legal, financial, or emergency decisions.

B3. Wallet & payments

• Payments are processed by third-party gateways (e.g., PayU, Stripe, Razorpay, and app-store in-app purchase for international users). We do not store full card details.
• Indian prices are in INR inclusive of applicable GST; international prices are shown in USD via App Store / Google Play tiers.
• Wallet balances are prepaid platform credit usable only within Nakshatralogy, are non-transferable and non-withdrawable as cash, and are not a bank deposit, e-money, or prepaid payment instrument (see A2A).
• Refunds are governed by our Refund Policy.

B4. User conduct

In addition to Part A, you agree not to record or redistribute consultations without consent, not to share another person's data without authority, and not to use insights to harass, defraud, or harm others.

C1. Onboarding, verification & status

• You must submit valid documents: identity proof, address proof, PAN, bank details, and evidence of astrology qualification/experience. KYC is mandatory, and is also collected to meet our obligations under the Prevention of Money-Laundering Act, 2002.
• You warrant that all information and credentials are genuine and current. Providing false information is grounds for immediate termination and forfeiture of undisbursed earnings.
• Verification typically completes within 48 hours; approval is at the Company's discretion.
• You are an independent professional/consultant, not an employee, agent, or partner of the Company. Nothing here creates employment, partnership, or agency. You are responsible for your own taxes, registrations, and compliance (see C3).

C2. Professional conduct

• Consult ethically and empathetically. No fear-mongering, no predatory upselling, and no guarantees of specific outcomes.
• Do not predict death, terminal illness, or severe trauma, and do not counsel users to stop prescribed medical, psychiatric, or legal treatment.
• Do not offer remedies, gemstones, poojas, or products in a manner that pressures or exploits a user, or that is misleading.
• You may suggest remedies as guidance only. You must not sell, take payment for, or ship any physical product (gemstones, yantras, pooja/remedy kits, printed items, etc.) through the Platform — the Platform is a 100% digital service (see the Shipping & Delivery Policy).
• You must not ask a user for, or accept, any payment outside the Platform's official billing — cash, UPI, bank transfer, another wallet, gift cards, vouchers, or cryptocurrency — for any reason (consultation, remedy, pooja, gemstone, "urgent ritual", personal help, dakshina, tip, or donation). All payments must go through the Platform.
• You must not use fear, threats, or claims of danger, curse, or harm to pressure a user into paying for any remedy, pooja, or product.
• You must not share or request personal contact or payment details (phone, WhatsApp, e-mail, social media, UPI ID/QR, payment links) or invite the user to continue or pay off the Platform, and must not contact a user outside the Platform using information obtained during a consultation.
• Maintain confidentiality of client information; use it only to serve the client on the Platform.
• Be available and punctual for accepted sessions; repeated no-shows, low ratings, or verified misconduct may reduce your visibility or suspend your account.

C3. Earnings, platform fee & taxation of payouts

Astrologers are independent consultants appointed by the Company to provide consultations to Users. In consideration of these services, the Company pays each Astrologer a consulting fee ("Payout"), calculated on the per-minute rate the Astrologer sets, less the Company's disclosed platform/facilitation fee. This clause explains, at a general level, how Indian tax law applies to that Payout. It is provided for transparency and does not replace independent tax advice.

• You set your per-minute rates within Platform guidelines. The Company charges a platform/facilitation fee, disclosed in the astrologer console; the remainder is your Payout.
• Payouts accrue to your Platform ledger and are settled to your registered bank account per the payout schedule (subject to a minimum payout threshold shown in the console).
• The Company may withhold or reverse amounts relating to refunds, chargebacks, fraud, or verified complaints, and may adjust future payouts accordingly.

C3.1 Nature of income. Because an Astrologer is an independent consultant and not an employee, the Payout is not "salary." It is business/professional income in your own hands, taxable under "Profits and Gains of Business or Profession" under the Income-tax Act, 1961 (consolidated into the Income-tax Act, 2025 with effect from 1 April 2026). You are individually responsible for computing and paying your own income tax and filing your own return; the Company's role is limited to deducting tax at source where required and reporting that deduction.

C3.2 Tax Deducted at Source (TDS).

C3.3 GST & TCS. If your aggregate turnover of taxable services exceeds ₹20 lakh in a financial year (₹10 lakh in specified special-category states), you must register under the CGST Act, 2017 and charge 18% GST on the fee you invoice the Company. Astrology consultation is not, at present, notified under Section 9(5) of the CGST Act, so GST liability (where applicable) rests with the registered Astrologer. As an e-commerce operator the Company collects TCS at 0.5% (Section 52) on the net taxable value of services supplied by each registered Astrologer, deposits it monthly, files Form GSTR-8, and issues a TCS certificate you can credit in your electronic cash ledger. The platform fee the Company retains is itself a taxable supply attracting 18% GST.

C3.4 Your own compliance. File an Income Tax Return declaring Payouts as business/professional income after claiming TDS credit; pay advance tax if net tax payable exceeds ₹10,000; maintain records under Section 44AA (or evaluate presumptive taxation under Section 44ADA with your CA); if GST-registered, issue tax invoices and file GSTR-1/3B; and assess any state Professional Tax obligation.

C3.5 Worked illustration (explanatory only).

This table is illustrative only and simplifies the interaction of TDS, GST, and TCS. Actual figures depend on your GST-registration status, PAN validity, residency, and threshold position for the year.

C3.6 Payout statements. Through the astrologer console you receive a running earnings ledger, a monthly settlement statement, quarterly Form 16A, and (where applicable) a monthly GST TCS certificate. Reconcile these against your own Form 26AS/AIS and GST returns.

C4. Off-platform solicitation & content rights

• You must not solicit or divert users to consult or pay off the Platform, for any reason (not only to avoid Platform fees). This includes requesting cash, UPI, bank transfers, gifts, tips, or "dakshina", sharing personal contact or payment details, or moving the conversation to another app. Any such attempt is a material breach that may result in immediate suspension, forfeiture of undisbursed earnings, permanent removal from the Platform, and, where fraud is involved, reporting to the authorities.
• Advice you give during a consultation is your own; you grant the Company a licence to record (with consent), store, and reference sessions for quality, safety, and dispute resolution.
• You must not misuse the Platform's brand, or represent yourself as the Company or its employee.

D1. Developer API use

• API access requires a registered developer account, a valid API key, and an active subscription. Keys are confidential; you are responsible for all calls made with your keys.
• The monthly All-Access plan covers the available products (Kundli, Special Reports, Kundli Milan, Today's Forecast) and is rate-limited to 1 request per second; excess requests may be throttled or rejected. Usage is metered and funded from your wallet.
• You must not resell, sublicense, or expose the raw API to third parties as a competing astrology API, cache beyond permitted limits, or misrepresent results as your own computation engine.
• You must attribute computations to "Powered by Nakshatralogy" where reasonably practicable and comply with the API documentation and fair-use limits.
• We may change, deprecate, or version endpoints with reasonable notice. Subscription billing, suspension, and refunds for the API follow the plan terms and the Refund Policy.
• The astrology computations returned by the API are provided for your application's guidance/entertainment use; the disclaimers in A3/A6 apply to you and your end users, and you must surface an equivalent disclaimer to your end users.
• International subscribers settling fees in foreign currency should note that cross-border remittance is subject to the Foreign Exchange Management Act, 1999 and RBI's related regulations, administered through our payment partners.

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