Mutual Fund Platform

Terms of Use & User Agreement

Wealth – Mutual Fund Platform – digiRM

Posted: March 20, 2026 Last Updated: August 17, 2026

Welcome to digiRM's Terms of Use.

These Terms of Service ("Terms") govern your access to and use of the digiRM mobile application, website (www.digirm.com), web-app, dashboards, APIs, portals and all present and future digital interfaces (collectively, the "Platform") operated by digiRM Services, having its registered office at 1518, Tower 3, Lodha Crown, Majiwada, Thane – 400 601, Maharashtra, India ("Platform", "we", "us", "our"), in relation to its mutual fund information, comparison, tracking and transaction-facilitation services ("MF Services").

By accessing or using the Platform, you agree to be bound by these Terms.

By accessing, browsing, registering on or otherwise using the Website, you acknowledge that a legally binding contractual relationship is created between you and us, governed by these Terms of Use and all other applicable policies associated with the Website, for all contractual, legal and compliance purposes. These Terms of Use constitute a valid and enforceable electronic record within the meaning of the Information Technology Act, 2000 and the rules framed thereunder, as amended from time to time. This electronic record is generated by a computer system and does not require any physical or digital signature.

Section 01

Definition and Interpretation

Definition

"Platform" means the digiRM mobile application, website, web application, dashboards, APIs, portals and all present and future digital interfaces operated by the Company. For the purposes of these Terms, references to the "Website" and the "Platform" shall be construed interchangeably, as the context may require.
"MF Services" shall include mutual fund schemes and, where applicable, Specialized Investment Funds (SIF) distributed in accordance with applicable regulatory approvals.
"User" means any individual who accesses, registers, subscribes to or uses the Platform.
"Third-Party Infrastructure Providers" means service providers such as MF Utility (MFU), registrars, payment gateways and other infrastructure entities involved in processing transactions, and shall not include the Mutual Fund Distributor unless expressly stated.

Interpretation

Words importing the singular shall include the plural and vice versa; words importing any gender shall include all genders;
Headings and sub-headings are inserted for convenience only and shall not affect the interpretation of these Terms;
References to any statute, law or regulation shall include any amendment, re-enactment or replacement thereof for the time being in force;
References to "including" or "includes" shall be construed as "including without limitation";
References to any clause, section or schedule are references to the corresponding clause, section or schedule of these Terms;
References to the "Platform", "we", "us" or "our" shall mean digiRM Services, and references to "you", "your" or "User" shall mean the person accessing or using the Platform;
Any reference to a day shall mean a calendar day, and references to writing shall include electronic communications;
Any reference to the Platform shall include all present and future websites, mobile applications, dashboards, portals, APIs and digital interfaces operated by the Platform.

Section 02

Platform Overview & Nature of Services

digiRM is a digital technology platform operated by digiRM Services, accessible through its mobile application, website and all present and future digital interfaces (collectively, the "Platform"). The Platform provides information technology-enabled tools, dashboards, calculators, educational resources, third-party analytics, ratings and transaction facilitation utilities that assist users in researching, comparing, tracking and facilitating investments in mutual fund schemes.

The Platform operates as a technology-enabled interface providing access to information, tools, analytics and transaction-facilitation utilities in relation to mutual fund schemes and, where applicable, other permitted investment products. The Platform functions primarily as an information and technology facilitation system.

Where mutual fund related activities involve order placement, transaction processing or execution, such activities are carried out in accordance with applicable law either directly in the licensed capacity of the Company as a registered Mutual Fund Distributor holding a valid AMFI Registration Number (ARN), or through authorized infrastructure service providers such as registrars, MF Utility (MFU), payment gateways and other regulated entities, as applicable. Nothing herein shall be construed as altering the Platform's role as a technology interface.

The Platform may, from time to time, introduce additional financial tools, dashboards, analytics engines, partner integrations and related digital financial utilities, all of which shall automatically form part of the Platform and be governed by these Terms.

Target Audience

The Platform is intended for individuals who are legally competent to contract under applicable law and who seek access to general mutual fund information, analytics, tracking tools and transaction-facilitation utilities for their own investment decision-making through the Platform and, where applicable, through the Company acting in its capacity as a registered Mutual Fund Distributor or through authorized infrastructure service providers. The Platform functions as an information and technology facilitation interface and is not designed to operate as, nor should it be relied upon as, a professional investment advisory, portfolio management, distribution or custodial service, or as a substitute for services provided by appropriately registered or licensed entities. Access to and use of the Platform and the MF Services shall be subject to applicable laws, regulatory requirements and scheme-specific eligibility criteria prescribed by mutual fund houses, registrars and the Company acting in its capacity as a registered Mutual Fund Distributor from time to time, and users remain solely responsible for ensuring their own eligibility prior to accessing or availing the MF Services.

Nature and Purpose of the Platform

The Platform is a technology-driven digital interface designed to provide users with access to informational tools, calculators, dashboards, educational content, third-party analytics, ratings and transaction-facilitation utilities in relation to mutual fund schemes facilitated through the Platform in the capacity of the Company as a registered Mutual Fund Distributor, and supported by authorized infrastructure service providers. The Platform enables users to access technology-enabled information, tools and utilities that assist in researching, comparing, tracking and facilitating mutual fund investments in a transparent and efficient manner.

All investment decisions are taken solely by users based on their own judgment and discretion. The Platform does not provide portfolio management services or discretionary investment management, and does not assume custody of investor funds or securities. The Platform does not guarantee the performance of any mutual fund scheme, the achievement of returns or the suitability of any investment for any user.

Scope of Services

The Platform enables the distribution and execution of mutual fund transactions in accordance with applicable law and through the Company acting in its capacity as a registered Mutual Fund Distributor holding a valid AMFI Registration Number (ARN). All such transactions are carried out only on the basis of instructions provided by the user.

The Platform does not manage investments on a discretionary basis, does not take investment decisions on behalf of users, and does not hold or control any investor funds or securities. All monies and investments are processed directly through the Company acting in its capacity as a registered Mutual Fund Distributor, and through authorised infrastructure providers such as registrars, payment gateways and mutual fund houses, as applicable.

Any regulated activities offered through the Platform are limited strictly to the scope permitted under the applicable licences and regulatory framework.

Distributor Capacity and Execution Disclosure

Where facilitation, execution or transmission of mutual fund transactions is undertaken, such activities are carried out strictly in the capacity of a duly registered Mutual Fund Distributor holding a valid AMFI Registration Number (ARN), and in compliance with applicable SEBI and AMFI regulations. The Platform itself continues to operate as a technology-enabled interface and does not assume any role or responsibility beyond what is permitted under applicable law and regulatory permissions. Where the Platform facilitates access to Specialized Investment Funds (SIF), such offerings shall be subject to applicable regulatory framework, eligibility criteria and distributor authorisation, and may differ in structure, risk profile and regulatory treatment from mutual fund schemes, including disclosures relating to commission structures as set out below.

Regular Plan and Commission Disclosure

Where mutual fund investment transactions are facilitated through the Platform in the capacity of a registered Mutual Fund Distributor holding a valid AMFI Registration Number (ARN), it is hereby expressly disclosed that investments are made under Regular Plans of mutual fund schemes, which involve payment of commission to the distributor, in accordance with applicable SEBI and AMFI regulations. The Platform clearly identifies such scheme categorisation at the point of investment, and by proceeding with any transaction, the User acknowledges and accepts the same.

Section 03

Content, Intellectual Property & User Responsibilities

Website contents

All content made available on the Platform, including but not limited to text, data, graphics, charts, tables, calculators, dashboards, research materials, third-party analytics, ratings, NAV information, logos, trademarks, software, interfaces, designs and other materials ("Content"), is owned by or licensed to digiRM Services and is protected under applicable intellectual property laws.

The Content is provided solely for informational and personal use in relation to mutual fund research, comparison and facilitation purposes. Users shall not copy, reproduce, modify, distribute, publish, transmit, sell, license, reverse engineer or commercially exploit any Content without the prior written consent of the Platform.

Content and data sourced from third-party providers, including mutual fund registrars, AMFI, MFU and research agencies, are provided on an "as is" basis. The Platform does not warrant the accuracy, completeness, reliability or suitability of such Content and shall not be liable for any reliance placed on it by Users.

The Platform reserves the right to modify, update, replace or remove any Content at any time without prior notice.

Website Usage and User Responsibilities

Users agree to access and use the Platform solely for lawful, personal and non-commercial purposes in accordance with these Terms and all applicable laws and regulatory requirements.

Access to MF Services is subject to applicable laws, regulatory requirements and scheme-specific eligibility criteria prescribed by mutual fund houses and authorised Mutual Fund Distributor from time to time. The Platform shall not be responsible for any consequences arising from incorrect or misleading information provided by the User.

Users are solely responsible for maintaining the confidentiality of their account credentials and for all activities carried out through their account. Users shall immediately notify the Platform of any unauthorised access or suspected security breach.

Users shall not misuse the Platform, including but not limited to attempting unauthorised access, interfering with Platform operations, reverse engineering any part of the Platform, uploading malicious code, manipulating data, or using the Platform in a manner that violates applicable law, regulatory guidelines or these Terms.

Users acknowledge that all investment decisions are made at their own discretion and risk, and the Platform shall not be responsible for any investment losses, market fluctuations or fund performance outcomes. The Platform reserves the right to suspend or terminate user access in case of misuse, regulatory non-compliance or breach of these Terms.

Section 04

Legal Framework & Compliance

The Platform is operated as a technology-enabled information and transaction-facilitation interface and is maintained in compliance with the laws and regulatory frameworks applicable to such digital platforms, including:

The Securities and Exchange Board of India Act, 1992 and the rules, regulations, circulars and guidelines issued thereunder to the extent applicable.
The Association of Mutual Funds in India (AMFI) Code of Conduct insofar as activities are carried out in a registered intermediary capacity.
The Information Technology Act, 2000.
The Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.
The Digital Personal Data Protection Act, 2023.
The Consumer Protection Act, 2019.
Such other laws or governmental directions as may be applicable from time to time.

Nothing contained herein shall be construed as the Platform claiming or holding any registration or license unless expressly disclosed.

Section 05

Workflow of Operations of the Platform

The workflow of the operations performed by the platform are clearly explained below:

User Registration: Users register on the Platform through the mobile application or other future digital interfaces by providing basic personal and regulatory information required for account creation and compliance purposes.
Profile Creation: Users may complete their profile by providing PAN, KYC details and other information required by the Company acting in its capacity as a registered Mutual Fund Distributor and regulatory requirements.
Access to Information Tools: The Platform provides access to dashboards, calculators, analytics, educational content and third-party research to assist users in understanding mutual fund schemes.
Transaction Facilitation: Where enabled, the Platform facilitates redirection or integration with authorized infrastructure service providers such as MF Utility (MFU), registrars and payment systems for transaction initiation and processing.
Execution by Distributor and Infrastructure Providers: All mutual fund transactions are executed in the capacity of the Company as a registered Mutual Fund Distributor, and are processed through authorized infrastructure providers such as registrars, MFU and payment gateways.
Portfolio Tracking & Reporting: Users may track portfolio performance, holdings and transaction history through dashboards and third-party integrations.

All transactions are subject to regulatory approvals and third-party service availability. The Platform does not guarantee execution, performance or returns of any scheme.

Section 06

Eligibility

To access and use the Platform and the MF Services, you must be legally competent to contract under the laws of India and be eligible to invest in mutual fund schemes in accordance with applicable laws and regulatory guidelines.

By accessing or using the Platform, you represent and warrant that you satisfy all eligibility requirements prescribed under applicable law, regulatory guidelines and scheme-specific conditions issued by mutual fund houses, registrars and the Company acting in its capacity as a registered Mutual Fund Distributor from time to time, and that all information provided by you is true, accurate and complete.

The Platform reserves the right to restrict, suspend or terminate access to the Platform in the event of any non-compliance with applicable eligibility requirements.

Section 07

Content

The Platform may allow Users to upload or submit content, including personal details, documents, communications, reviews and other materials ("User Content"). Users retain ownership of their User Content. By submitting User Content, you grant digiRM a non-exclusive, royalty-free, worldwide and revocable license to host, store, process, transmit and use such User Content solely for the purpose of operating, providing, improving and facilitating the Platform and the MF Services, in accordance with applicable law.

You represent and warrant that you have all necessary rights, consents and authorizations to submit User Content and that such User Content does not violate any applicable law, infringe any third-party rights, or contain false, misleading, unlawful, defamatory, obscene or harmful material.

You acknowledge that you are solely responsible for the accuracy, authenticity, legality and consequences of all User Content submitted by you. digiRM shall not be responsible or liable for any User Content or for any loss or damage arising therefrom.

digiRM reserves the right to review, moderate, remove, disable access to or permanently delete any User Content, and to suspend or terminate user accounts where such Content violates these Terms or applicable law.

Users are granted a personal, non-exclusive, non-transferable, revocable and limited right to access Content made available on the Platform solely for personal and lawful use, and shall not copy, reproduce, modify, distribute, publish or commercially exploit any Content without prior written consent of the Platform.

Section 08

Indemnity

You agree to indemnify, defend and hold harmless digiRM Services from and against any and all claims, demands, losses, liabilities, damages, penalties, costs and expenses (including reasonable attorneys' fees) arising out of or in connection with:

your access to or use of the Platform and the Services;
your breach of these Terms or any applicable law;
your violation of any rights of any other user or third party;
any User Content submitted by you;
any misrepresentation or omission made by you in connection with your use of the Platform.

You agree to cooperate fully, at your own expense, in the defense of any claim subject to indemnification and shall not settle any such claim without the prior written consent of the Platform.

Section 09

Limitation of Liability

The Platform shall not be responsible or liable for any loss, damage or consequences arising out of or in connection with:

any interruption, inoperability or non-availability of the Platform caused by internet connectivity issues, server failures, system errors, third-party service outages or force majeure events;
any inaccurate, incomplete or erroneous information or data provided by you, or any deletion, corruption or loss of your data;
any delay, failure or inability to transmit or receive communications, including emails and notifications;
any deficiency, defect, suspension or modification in the Services or any part thereof; and
any failure or malfunction of any third-party services, APIs, cloud infrastructure or integrated systems used by the Platform.

The Platform, Services and all Content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of accuracy, completeness, reliability, fitness for a particular purpose or non-infringement. The Platform does not warrant that the Platform will be uninterrupted, secure or error-free.

You agree to comply with all applicable laws, regulations and policies while using the Platform.

To the maximum extent permitted by law, the Platform shall not be liable for any indirect, incidental, special, consequential, punitive or unforeseeable damages, including loss of profits, loss of data, loss of goodwill or business interruption, arising out of or in connection with your use of the Platform or any breach of these Terms by you.

To the fullest extent permitted by applicable law, the Platform's total cumulative liability, if any, shall be limited in accordance with the Liability Cap specified in these Terms, and your sole and exclusive remedy for any dispute with the Platform shall be to discontinue use of the Platform.

Section 10

Term and Termination

These Terms shall come into effect from the date you access or use the Platform and shall remain in force for as long as you continue to access or use the Platform. You may discontinue use of the Platform at any time. The Company reserves the right, at its sole discretion, to suspend, restrict or terminate your access to the Platform, with or without notice, in the event of any breach of these Terms, non-compliance with applicable law or regulatory requirements, provision of false or misleading information, security concerns, or for operational, legal or regulatory reasons. Upon termination or suspension, your right to access and use the Platform shall immediately cease, without prejudice to any rights or remedies available to the Company under law or these Terms.

Section 11

Communication

By using the Platform, you consent to receive communications from the Company through electronic means including email, SMS or in-app notifications for service-related, transactional and regulatory purposes. Such communications shall be deemed to be valid and legally binding. You may opt out of non-essential promotional communications, subject to applicable law.

Reporting mail ID – compliance@digirm.com

As a matter of good practice, and in addition to raising a grievance with us directly at compliance@digirm.com, you may also raise an unresolved grievance relating to securities markets with the Securities and Exchange Board of India through the SEBI Complaints Redress System (SCORES) at scores.sebi.gov.in, and, where applicable, through the SEBI-facilitated Online Dispute Resolution (ODR) portal at smartodr.in. Nothing in this clause shall be construed as an admission that the Company is a Designated Entity or Designated Body under any specific SEBI circular governing SCORES/ODR access.

Section 12

User Obligations and Formal Undertakings as to Conduct

By accessing and using the Platform, you expressly agree, undertake and covenant that:

you shall use the Platform and the MF Services solely for lawful, personal and non-commercial purposes and in strict compliance with these Terms and all applicable laws, regulations and regulatory guidelines;
you shall provide true, complete and accurate information and shall not misrepresent your identity, residency status, eligibility, financial profile or any other personal information;
you shall not use the Platform for providing or seeking unauthorized investment advice, portfolio management services, solicitation, distribution, commercial trading or any regulated activity requiring statutory registration;
you shall not attempt to gain unauthorized access to the Platform, its servers, databases, algorithms, source code or any part thereof, nor interfere with the security, integrity or operation of the Platform;
you shall not manipulate, scrape, copy, reverse engineer, modify, distribute or commercially exploit any part of the Platform, Content or MF Services;
you shall not upload, transmit or publish any unlawful, misleading, defamatory, obscene, harmful or infringing content;
you acknowledge that all investment decisions are taken solely at your own discretion and risk, and that the Platform does not provide investment advice or guarantee any investment outcomes;
you shall comply with all instructions, guidelines, notices and policies issued by the Platform from time to time in connection with use of the Platform;
you shall immediately notify the Platform of any unauthorized use of your account or security breach;
you shall indemnify the Platform against any loss, liability or damage arising from any breach of the above undertakings.

The Platform reserves the right to suspend, restrict or terminate access to the Platform in the event of any violation of the above obligations.

Section 13

Suspension of User Access and Activity

The Platform reserves the right, at its sole discretion and without prior notice, to suspend, restrict, disable or terminate a User's access to the Platform, account or any part of the Services, temporarily or permanently, in any of the following circumstances:

where the User is found to have violated these Terms, the Privacy Policy or any applicable law or regulation;
where the User is engaged in fraudulent, unlawful, abusive, harmful or suspicious activities;
where the User has submitted false, misleading or incomplete information;
where the User's actions pose a security risk, legal risk or reputational risk to the Platform or other Users;
where required pursuant to any legal, regulatory, judicial or governmental directive;
where continued access may adversely affect the operation, security or integrity of the Platform.

Upon suspension or termination, the Platform may disable the User's account, remove User Content and restrict access to the Platform without liability. Suspension or termination shall be without prejudice to the Platform's right to pursue any other remedies available under law or contract.

Section 14

Intellectual Property Rights

All intellectual property rights in and to the Platform, including but not limited to its software, source code, databases, architecture, user interfaces, dashboards, layouts, design elements, text, graphics, logos, trademarks, service marks, trade names, content, compilations, proprietary workflows and all other materials made available on or through the Platform (collectively, "Platform IP"), are owned by or lawfully licensed to the Company and are protected under applicable intellectual property laws, including copyright, trademark and other proprietary rights.

The User is granted a limited, personal, non-exclusive, non-transferable and revocable right to access and use the Platform and its content strictly in accordance with these Terms and solely for lawful and permitted purposes. No right, title or interest in or to the Platform or the Platform IP is transferred to the User by virtue of access or use of the Platform.

The User shall not copy, reproduce, modify, adapt, translate, reverse engineer, decompile, disassemble, distribute, transmit, publish, display, license, sell, commercially exploit or create derivative works from any part of the Platform or the Platform IP, except to the extent expressly permitted in writing by the Company or as allowed under applicable law.

All third-party trademarks, logos, fund names, scheme-related information, ratings and content displayed on the Platform are the property of their respective owners and are used for identification and informational purposes only. Nothing contained on the Platform shall be construed as granting, by implication or otherwise, any license or right to use any intellectual property of the Company or any third party without prior written permission.

Any unauthorized use of the Platform or the Platform IP may result in suspension or termination of access and may give rise to civil and criminal liability under applicable law.

Section 15

Disclaimer of Warranties and Liabilities

You further agree and undertake that you are accessing the Platform at your sole risk and that you are using the best and prudent judgment before availing of any features on the Platform or accessing/using any information displayed thereon.

You agree that any kind of information, resources, activities, or recommendations obtained/availed from the Platform, written or oral, will not create any warranty and we disclaim all liabilities resulting from these.

We do not guarantee that the features and content contained in the Platform will be uninterrupted or error-free, or that the Platform or its server will be free of viruses or other harmful components, and you hereby expressly accept any associated risks involved with your use of the Platform.

It is further agreed to by you that the contents of this section shall survive even after the termination or expiry of the Terms of Use and/or Privacy Policy.

Section 16

Customer Acceptance

By accessing, registering on, browsing or using the Platform and/or availing any services made available thereon, you acknowledge that you have read, understood and agreed to be bound by these Terms of Service, together with the Privacy Policy, Disclaimer Policy and any other policies or guidelines referenced herein or made available on the Platform from time to time. Your continued access to or use of the Platform constitutes your ongoing acceptance of these Terms.

You further acknowledge that these Terms of Service constitute a legally binding agreement between you and the Company in accordance with the Information Technology Act, 2000 and the rules made thereunder, and that your acceptance of these Terms occurs through electronic means and does not require any physical or digital signature.

If you do not agree with any part of these Terms, you must refrain from accessing or using the Platform and its services.

Section 17

Force Majeure

The Company shall not be liable for any failure or delay in performance of its obligations under these Terms to the extent such failure or delay is caused by events beyond its reasonable control ("Force Majeure Event"). Force Majeure Events shall include, without limitation, acts of God, natural disasters, epidemics or pandemics, fires, floods, earthquakes, cyclones, lightning, war, terrorism, riots, civil commotion, strikes, labor disputes, lockouts, governmental actions, orders or restrictions, changes in law or regulatory requirements, power failures, internet or telecommunications outages, breakdown of hardware or software systems, cyber incidents including hacking, malware or denial-of-service attacks, failure or disruption of third-party service providers, including payment gateways, data providers, registrars, MF Utility (MFU) and other infrastructure providers, and any other event or circumstance beyond the reasonable control of the Company.

During the continuance of a Force Majeure Event, the Company's obligations under these Terms shall be suspended for the duration of such event, and the Company shall use reasonable efforts to resume performance as soon as practicable after the cessation of the Force Majeure Event. Nothing in this clause shall excuse any payment obligations that have already accrued prior to the occurrence of the Force Majeure Event.

Section 18

Dispute Resolution and Jurisdiction

These Terms shall be governed and interpreted by and construed in accordance with the substantive Governing Law and subject to arbitration provisions below, each party hereby irrevocably and finally submits to the exclusive jurisdiction of the courts of Thane, Maharashtra, India, where the Dispute Resolution will take place, thereto in respect of any disputes, legal action or proceedings arising out of or in connection with the Terms, interpretation, duties, performance, breach, etc. of these Terms.

Should any Dispute arise out of or in connection with these Terms, the Parties hereto shall first endeavor to settle such Dispute amicably. If the Dispute is not resolved through amicable settlement within fifteen (15) days after commencement of discussions or such longer period as the Parties mutually agree in writing, then either Party may refer the Dispute for resolution by arbitration according to the provisions of the Arbitration and Conciliation Act, 1996 (India) or any statutory amendment or re-enactment thereof, or any statute enacted to replace the same, for the time being in force. The arbitration shall be conducted by a sole arbitrator appointed by mutual consent of the parties. The seat and venue of arbitration shall be in Thane, Maharashtra India, where the Dispute Resolution will take place, and the language of the proceedings shall be English.

The Award rendered in any arbitration commenced hereunder shall be final and conclusive, and judgment thereon may be entered in any court having jurisdiction for its enforcement. The Parties undertake to implement the arbitration award. In addition, the Parties agree that no Party shall have any right to commence or maintain a suit or legal proceeding concerning a Dispute hereunder (other than for preventive or interlocutory relief pending completion of the arbitration proceedings under these Terms) until the Dispute has been determined in accordance with the arbitration procedure provided for herein and then only for the enforcement of the award rendered in such arbitration. When any Dispute is under arbitration, except for the matters under dispute, the Parties shall continue to exercise their remaining respective rights and fulfil their remaining respective obligations under these Terms.

Section 19

Miscellaneous Provisions

Entire Agreement

These Terms of Use, read with the Privacy Policy and Disclaimer form the complete and final contract between us with respect to the subject matter hereof and supersedes all other communications, representations, and agreements (whether oral, written, or otherwise) relating thereto.

Severability

If any provision/clause of these Terms of Use is held to be invalid, illegal, or unenforceable by any court or authority of competent jurisdiction, the validity, legality, and enforceability of the remaining provisions/clauses of these Terms of Use shall in no way be affected or impaired thereby, and each such provision/clause of these Terms of Use shall be valid and enforceable to the fullest extent permitted by Applicable Law. In such case, these Terms of Use shall be reformed to the minimum extent necessary to correct any invalidity, illegality or unenforceability, while preserving to the maximum extent the original rights, intentions and commercial expectations of the Parties hereto, as expressed herein.

Contact Us

If you have any questions, concerns, feedback, complaints or grievances regarding the Platform, the Services or these Terms, you may contact us at:

digiRM Services

No. 1518, Tower 3, Lodha Crown,

Majiwada, Thane – 400601, Maharashtra, India.

Email: compliance@digirm.com

We shall endeavor to respond to your queries and resolve grievances within a reasonable time in accordance with applicable law.

AI Wellness Platform

Terms of Use & User Agreement

Wellness – AI Health Platform – digiRM

Posted: March 20, 2026 Last Updated: August 17, 2026

Welcome to digiRM's Terms of Use.

These Terms of Service ("Terms") govern your access to and use of the digiRM mobile application, website (www.digirm.com), web-app, APIs, dashboards, portals and all present and future digital interfaces (collectively, the "Platform") operated by digiRM Services, having its Registered address at No. 1518, Tower 3, Lodha Crown, Majiwada, Thane – 400601, Maharashtra ("Platform", "we", "us", "our") in relation to its AI-powered health, nutrition and wellness software services ("Wellness Services").

By accessing or using the Platform, you agree to be bound by these Terms.

Section 01

Definition and Interpretation

Definition

"Platform" means the digiRM mobile application, website, web-app, dashboards, APIs, portals and all present and future digital interfaces operated by the Platform.
"Services" means the AI-based wellness tools, nutrition analysis, lifestyle insights, content engines, reports, biomarker processing, dashboards, educational content, subscriptions and all related digital wellness utilities provided through the Platform.
"User" means any individual who accesses, registers, subscribes to or uses the Platform.
"AI Output" means any information, insights, recommendations, analytics, reports or content generated using artificial intelligence models and third-party APIs.
"Biomarkers" means non-clinical wellness indicators derived from user-provided or system-captured inputs including, but not limited to, voice-based parameters, facial recognition or facial-analysis derived indicators, image-based parameters, behavioral patterns, and lifestyle-derived data, used solely for wellness analytics and insights, and shall not be construed as medical diagnostic data.
"Third-Party APIs" means external software, AI engines, data services and cloud platforms integrated into the Platform.
"Subscription" means any paid or free plan that provides access to the Services.
"Personal Data" means data as defined under the Digital Personal Data Protection Act, 2023.

Interpretation

Words importing the singular shall include the plural and vice versa; words importing any gender shall include all genders;
Headings and sub-headings are inserted for convenience only and shall not affect the interpretation of these Terms;
References to any statute, law or regulation shall include any amendment, re-enactment or replacement thereof for the time being in force;
References to "including" or "includes" shall be construed as "including without limitation";
References to any clause, section or schedule are references to the corresponding clause, section or schedule of these Terms;
References to the "Platform", "we", "us" or "our" shall mean digiRM Services, and references to "you", "your" or "User" shall mean the person accessing or using the Platform;
Any reference to a day shall mean a calendar day, and references to writing shall include electronic communications;
Any reference to the Platform shall include all present and future websites, mobile applications, dashboards, portals, APIs and digital interfaces operated by the Platform.

Section 02

Platform Overview & Nature of Services

We, digiRM is a technology-driven digital wellness platform operated by digiRM Services, accessible through its mobile application, website and all present and future digital interfaces ("Platform"). The Platform provides AI-enabled wellness software solutions, tools and digital services designed to assist users in tracking lifestyle patterns, analyzing food intake, generating wellness insights, delivering educational content, offering non-clinical lifestyle recommendations and providing personalized wellness experiences through artificial intelligence and integrated third-party technologies.

The Platform functions as a wellness-support and information facilitation system and does not operate as a healthcare provider, medical practitioner, diagnostic laboratory, hospital, clinic or pharmaceutical service. All wellness insights, lifestyle suggestions, nutrition-related outputs and content generated through the Platform are intended solely for general wellness and informational purposes and shall not be construed as medical advice, diagnosis, treatment or prescription of any kind.

The Platform may, from time to time, introduce additional wellness tools, AI modules, dashboards, digital content, integrations, subscription plans and related wellness services, all of which shall automatically form part of the Platform and be governed by these Terms without requiring any further notice. The Platform may also analyse user-provided images, facial features or other visual inputs for the purpose of generating non-clinical wellness indicators and lifestyle insights.

Target Audience

The Platform is intended solely for individuals seeking general wellness, lifestyle and nutrition-related information and digital wellness support tools. The Services are designed for personal, non-commercial use by individuals who are legally competent to contract under applicable law.

The Platform is not intended for use by healthcare providers for clinical decision-making, by hospitals or laboratories for diagnostic or treatment purposes, or by any person seeking professional medical consultation, diagnosis, treatment or prescription services.

Use of the Platform by minors is permitted only under verifiable parental or legal guardian consent and supervision. The Platform reserves the right to restrict, suspend or terminate access where the Platform is used in a manner inconsistent with its intended wellness-support purpose.

Nature and Purpose of the Platform

The Platform is an AI-powered digital wellness software system designed to provide general wellness support, lifestyle analytics, nutrition-related insights, food intake analysis, wellness tracking tools, educational content and non-clinical personalized wellness outputs through artificial intelligence and integrated third-party technologies.

The primary purpose of the Platform is to assist users in understanding lifestyle patterns, improving general wellness awareness, supporting healthy habits and accessing informational wellness resources in a digital environment. The Platform functions solely as a wellness-support and information facilitation service and does not provide medical advice, diagnosis, treatment, prescriptions, clinical monitoring or emergency healthcare services.

All Services offered through the Platform are intended for general wellness and informational purposes only and shall not be used as a substitute for professional medical consultation or healthcare services.

Future Professional Consultation Services

The Platform may, at its sole discretion and from time to time, introduce additional features including live consultation interfaces or digital interaction modules enabling Users to connect with nutritionists, wellness experts, healthcare professionals or other qualified service providers through the Platform, which may operate on a subscription basis, fee-sharing arrangement, or other commercial models. Any such services, if introduced, shall be governed by additional terms, professional regulations and applicable laws, and the Platform reserves the right to modify, expand or discontinue such features without prior notice.

Scope of Services

The Platform provides AI-enabled digital wellness services, tools and software solutions designed to support users in tracking lifestyle patterns, analysing food intake, generating wellness insights, offering non-clinical nutrition-related outputs, providing educational content, wellness reports, personalised dashboards, biomarker-based lifestyle analytics, voice-based wellness parameters, and other related digital wellness utilities through artificial intelligence and integrated third-party technologies ("Services").

The Services are intended solely for general wellness support and informational purposes and do not constitute medical advice, diagnosis, treatment, prescription, emergency healthcare or clinical monitoring services.

The Platform may, from time to time, introduce additional wellness modules, AI-based tools, integrations, content libraries, subscription plans and digital wellness features, all of which shall automatically form part of the Services governed by these Terms.

Section 03

Content, Intellectual Property & User Responsibilities

Website contents

All content made available on the Platform, including but not limited to text, graphics, images, audio, video, software, interfaces, AI-generated outputs, wellness insights, nutrition-related content, dashboards, reports, educational materials, trademarks, logos and design elements ("Content"), is owned by or licensed to digiRM Services and is protected by applicable intellectual property laws.

The Content is provided solely for general wellness, informational and personal use. Users shall not copy, reproduce, modify, distribute, transmit, display, publish, sell, license, reverse engineer or commercially exploit any Content without the prior written consent of the Platform.

AI-generated content and wellness outputs are automatically produced by computer systems and third-party AI engines and may contain inaccuracies or limitations. Users acknowledge that such Content does not constitute medical advice, diagnosis or treatment and must be independently verified with qualified professionals where appropriate.

The Platform reserves the right to modify, update, replace or remove any Content at any time without prior notice.

Website Usage and User Responsibilities

Users agree to access and use the Platform solely for lawful, personal and wellness-support purposes in accordance with these Terms and all applicable laws and regulations. Users shall be responsible for maintaining the confidentiality of their account credentials and for all activities carried out through their account.

Users shall ensure that all information provided on the Platform is accurate, complete and up to date. The submission of false, misleading or incomplete information may result in suspension or termination of access.

Users shall not misuse the Platform, including but not limited to attempting unauthorised access, interfering with the operation of the Platform, reverse engineering any part of the Platform, uploading malicious code, manipulating AI systems, misrepresenting identity, or using the Platform in any manner that could harm the Platform, other users or any third party.

Users acknowledge that the Platform is not a medical service and agree not to rely solely on the Platform for making medical or health-related decisions. Any reliance on Platform content and AI-generated outputs is undertaken strictly at the User's own risk.

The Platform reserves the right to suspend, restrict or terminate user access in the event of any breach of these Terms or misuse of the Platform.

Section 04

Legal Framework & Compliance

This Terms of Use is made in accordance with the provisions of the Information and Technology Act, 2000 and the rules therein under along with the amendment from time to time. This Terms of Use is published on the Platform in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 and Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 of Information Technology Act, 2000 amended through Information Technology Amendment Act, 2008 that require publishing the Terms of Use and practices for access and usage of any functional Website.

Section 05

Workflow of Operations of the Platform

The workflow of the operations performed by the platform are clearly explained below:

User Registration: Users register on the Platform through the mobile application or other future digital interfaces by providing basic personal and demographic details and creating a user account.
Profile Creation: Users may complete their wellness profile by providing lifestyle information, food intake details and other non-clinical wellness parameters required for generating wellness insights.
Data Processing: The Platform processes user-submitted information using artificial intelligence models and integrated third-party APIs to analyse lifestyle patterns, nutrition-related inputs and wellness indicators.
AI-Generated Outputs: Based on the processed data, the Platform generates wellness insights, lifestyle suggestions, nutrition-related outputs, reports and dashboards for general wellness and informational purposes.
Access Through Subscription: Access to certain features, reports and wellness tools may be provided through subscription plans, including free trials, monthly, quarterly or annual subscriptions.
Continuous Updates: Users may update their information from time to time, and the Platform may update AI models, features and wellness tools to improve user experience and service delivery.

All outputs and insights generated through the Platform are intended solely for general wellness support and shall not be construed as medical advice, diagnosis or treatment.

Section 06

Eligibility

To access and use the digiRM Services, you must be at least eighteen (18) years of age and legally competent to enter into a binding contract. By creating an account or using the Platform, you represent and warrant that you satisfy the age and legal capacity requirements and that all information provided by you is true, accurate and complete.

The Services are not intended for, and shall not be knowingly offered to, individuals below the age of eighteen (18) years. The Platform does not knowingly collect personal data from minors. In the event the Platform becomes aware that a user below the age of eighteen (18) has accessed the Platform or provided personal data, the Platform shall take appropriate steps to suspend or terminate such account and delete the associated data in accordance with applicable law.

Section 07

Content

Users may upload content including but not limited to images, videos, audio files, text, documents, wellness-related inputs, food intake information and other materials ("User Content"). Users retain ownership of their User Content. By submitting User Content, you grant digiRM a non-exclusive, royalty-free, worldwide, revocable and sub-licensable license to host, store, process, analyse, reproduce, display, transmit and use such User Content solely for the purpose of providing, operating, improving and personalizing the Platform and the Services, in accordance with applicable law.

Users represent and warrant that they have all necessary rights, consents and authorizations to submit such User Content and that such User Content does not violate any applicable law, infringe any third-party rights, contain misleading, offensive, obscene, defamatory, unlawful or harmful material, or constitute medical advice or professional healthcare content.

Users acknowledge and agree that they are solely responsible for the accuracy, authenticity, legality and consequences of all User Content submitted by them. digiRM shall not be responsible or liable for any User Content, feedback, comments or materials submitted by any User.

digiRM reserves the right to review, moderate, remove, disable access to or permanently delete any User Content, and to suspend or terminate any User account, where such Content is found to be inaccurate, misleading, unlawful, offensive, vulgar, harmful or in violation of these Terms, without prior notice.

digiRM shall not be responsible for any financial loss, health outcome, legal liability or damages arising from User Content submitted by Users.

Section 08

Indemnity

You agree to indemnify, defend and hold harmless digiRM Services, from and against any and all losses, liabilities, claims, demands, damages, costs and expenses (including reasonable attorneys' fees and related costs) arising out of or in connection with:

your access to or use of the Platform and the Services;
your breach of these Terms or any applicable law;
your violation of any rights of any other user or third party;
any User Content submitted by you;
any misuse of the Platform, reliance on AI-generated outputs, or any improper or unlawful conduct by you.

You agree to cooperate fully, at your own expense, in the defense of any claim subject to indemnification and shall not settle any such claim without the prior written consent of the Platform.

To the maximum extent permitted by applicable law, the Platform shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, loss of data, business interruption or loss of use, arising out of or in connection with your use of or inability to use the Platform or Services, whether based on contract, tort, negligence, strict liability or any other legal theory, even if advised of the possibility of such damages.

Section 09

Limitation of Liability

The Platform shall not be responsible or liable for any loss, damage or consequences arising out of or in connection with:

any interruption, inoperability or non-availability of the Platform caused by internet connectivity issues, server failures, system errors, third-party service outages or force majeure events;
any inaccurate, incomplete or erroneous information or data provided by you, or any deletion, corruption or loss of your data;
any delay, failure or inability to transmit or receive communications, including emails and notifications;
any deficiency, defect, suspension or modification in the Services or any part thereof; and
any failure or malfunction of any third-party services, APIs, cloud infrastructure or integrated systems used by the Platform.

You agree to comply with all applicable laws, regulations and policies while using the Platform.

Section 10

Term

These Terms of Use shall continue to form a valid and binding agreement between us and shall continue to be in full force and effect until you continue to access and use the Website.
You may terminate your use of the Website at any time, as per the process specified under this Terms of Use.
We may terminate these Terms of Use with you and close your account at any time without notice and/or suspend or terminate Your access to the Website at any time and for any reason if any discrepancy or legal issue arises.
Such suspension or termination shall not limit our right to take any other action against you that we consider appropriate.
It is also hereby declared that we may discontinue the Services on the Website without any prior notice.

Section 11

Termination

We reserve the right, in its sole discretion, to unilaterally terminate Your access to the Website, or any portion thereof, at any time, without notice or cause.
We also reserve the universal right to deny access to You, to any/all of are on its Website without any prior notice/explanation to protect the interests of the Website and/or other Users to the Website.
We reserve the right to limit, deny or create different access to the Website and its features concerning different Users, or to change any of the features or introduce new features without prior notice.
You shall continue to be bound by these Terms of use, and it is expressly agreed to by You that You shall not have the right to terminate these Terms of Use till the expiry of the same.

Section 12

Communication

By creating an account on the Platform, you consent to receive communications from the Platform through electronic means including email, SMS, in-app notifications, WhatsApp or other digital communication channels provided by you. Such communications may include account-related notices, service updates, subscription information, transactional messages, security alerts, policy changes and other essential communications required for the operation of the Platform.

You acknowledge that electronic communications sent by the Platform shall constitute valid and legally binding communication for all purposes. You may opt out of receiving promotional or marketing communications at any time in accordance with the options provided within such communications; however, you may not opt out of receiving essential service-related and transactional communications necessary for the operation of your account.

You expressly agree that notwithstanding anything contained hereinabove, it may be contacted by us relating to any Services availed by you on the Website or anything pursuant thereto and you agree to indemnify us from any harassment claims. It is expressly agreed to by us that any information shared by us shall be governed by the Privacy Policy.

Reporting mail ID – compliance@digirm.com

Section 13

User Obligations and Formal Undertakings as to Conduct

Account Integrity and Information Accuracy – You undertake to provide true, complete and accurate personal and account information and to keep such information updated at all times. You shall not impersonate any person or use a fictitious or misleading identity. The Platform shall not be responsible for any consequences arising from incorrect, incomplete or misleading information provided by you.
Account Security – You shall be solely responsible for maintaining the confidentiality of your login credentials and for all activities carried out through your account. You shall immediately notify the Platform of any unauthorized use of your account. The Platform reserves the right to suspend or terminate any account at its discretion in the event of suspected misuse or security concerns.
Data Processing Consent – You expressly consent to the Platform collecting, storing, processing and using your personal data, wellness inputs, location information, content, comments, reviews and usage data strictly in accordance with applicable law and the Privacy Policy for the purpose of providing, personalizing, improving, marketing and optimizing the Services.
Intellectual Property and Use Restrictions – You shall not copy, reproduce, modify, reverse engineer, distribute, publish, commercially exploit or create derivative works from any part of the Platform, Content or Services without prior written consent of the Platform.
Access Restrictions – You shall access the Platform only through authorized interfaces provided by the Platform and shall not use bots, spiders, scraping tools, automated systems or any unauthorized means to access, extract or monitor any part of the Platform.

Prohibited Conduct – You shall not:

interfere with the operation, security or integrity of the Platform or connected networks;
impersonate any person or misrepresent your affiliation;
probe, scan, test or breach the Platform's security systems;
disrupt or cause harm to the Platform, servers or networks;
use the Platform for any unlawful, harmful, fraudulent, misleading, abusive or prohibited purpose;
violate any applicable law, regulation, policy or code of conduct;
engage in any conduct that results in disruption of services provided by third-party infrastructure providers.

Law Enforcement Disclosures – You acknowledge that the Platform may disclose your information to law enforcement or governmental authorities in compliance with applicable law, court orders or regulatory requirements.
Transaction Integrity – You undertake to complete all payment obligations for Services accepted by you and shall not misuse payment mechanisms or abandon transactions.
Content Standards – You shall not upload, publish, transmit or share any content that is defamatory, obscene, offensive, misleading, harmful, illegal, infringing, abusive, threatening or otherwise objectionable, or that violates any applicable law or third-party rights.
Compliance with Law – You undertake to comply with all applicable laws, regulations and policies while using the Platform.
User-Generated Content Disclaimer – You acknowledge that User Content belongs to its respective owners and the Platform shall not be responsible for such content. You may report objectionable content, which the Platform may remove at its sole discretion.
Insurance-Linked Data Use Consent – Where you provide separate, explicit consent, the Platform (or its insurance partners) may use your Health Data, including fitness and activity trends, to assess your eligibility for wellness-linked insurance products and to offer personalised pricing or coverage, as further described in the Privacy Policy. Such consent is optional and independent of your consent to the other provisions of these Terms, and declining it shall not affect your access to, or the pricing of, any other feature of the Platform.

Section 14

Suspension of User Access and Activity

where the User is found to have violated these Terms, the Privacy Policy or any applicable law or regulation;
where the User is engaged in fraudulent, unlawful, abusive, harmful or suspicious activities;
where the User has submitted false, misleading or incomplete information;
where the User's actions pose a security risk, legal risk or reputational risk to the Platform or other Users;
where required pursuant to any legal, regulatory, judicial or governmental directive;
where continued access may adversely affect the operation, security or integrity of the Platform.

Section 15

Intellectual Property Rights

All intellectual property rights in and to the Platform, including but not limited to its software, source code, algorithms, AI models, databases, user interfaces, designs, text, graphics, images, audio, video, logos, trademarks, service marks, trade names, Content, wellness tools, dashboards, reports and all other materials made available on or through the Platform ("Platform IP"), are owned by or licensed to digiRM Services and are protected under applicable intellectual property laws.

Except for the limited right to access and use the Platform in accordance with these Terms, no right, title or interest in or to the Platform IP is granted to you. You shall not copy, reproduce, modify, reverse engineer, distribute, publish, transmit, sell, license, create derivative works from or otherwise exploit any Platform IP without the prior written consent of the Platform.

Nothing contained in these Terms shall be construed as granting any license or right to use any trademark, logo, trade name or service mark of the Platform without its express written permission.

Section 16

Subscription

Access to certain features, tools, reports, dashboards, AI-generated outputs and other functionalities of the Platform may be provided through subscription-based plans offered by the Platform from time to time. Users may subscribe to such plans on a monthly, quarterly, annual or other periodic basis as specified on the Platform, and shall be required to pay the applicable subscription fees in advance through the approved payment mechanisms. All subscription fees are non-refundable except as expressly stated on the Platform or required under applicable law. The Platform reserves the right to modify, revise, suspend or discontinue any subscription plan, pricing structure, features or benefits at its sole discretion, provided that such changes shall apply prospectively. Continued access to subscription-based Services shall be subject to timely payment of the applicable fees and compliance with these Terms. Failure to renew or maintain an active subscription may result in suspension, restriction or termination of access to subscription-based features of the Platform.

Section 17

Disclaimer of Warranties and Liabilities

It is further agreed to by you that the contents of this section shall survive even after the termination or expiry of the Terms of Use and/or Privacy Policy.

Section 18

Force Majeure

We will not be liable for damages for any delay or failure to perform our obligations hereunder if such delay or failure is due to cause beyond our control or without its fault or negligence, due to force majeure events including but not limited to acts of war, acts of God, earthquake, riot, fire, festive activities sabotage, labor shortage or dispute, internet interruption, technical failure, breakage of sea cable, hacking, piracy, cheating, illegal or unauthorized.

Section 19

Dispute Resolution and Jurisdiction

Section 20

Customer Acceptance

By accessing, registering on, browsing, downloading, installing or otherwise using the Platform and its Services, the User acknowledges that they have read, understood and agreed to be bound by these Terms of Use, the Privacy Policy and all other policies or guidelines referenced herein. Such access or use constitutes a legally binding acceptance of these Terms in accordance with the provisions of the Information Technology Act, 2000 and the applicable rules framed thereunder. If the User does not agree with any part of these Terms, the User must immediately discontinue access to and use of the Platform and the Services. Continued use of the Platform shall be deemed to constitute ongoing acceptance of these Terms and any updates or modifications made from time to time.

Section 21

Miscellaneous Provisions

Entire Agreement

Severability

Refund Policy

Subscription fees paid for access to the Services are generally non-refundable. However, refunds may be granted at the sole discretion of the Platform in limited circumstances including duplicate payments, failed activation of subscribed services, erroneous billing, prolonged technical failure attributable to the Platform, or where required under applicable law. In the event that the Platform permanently discontinues a subscription service, Users may be eligible for a pro-rated refund for the unused portion of the subscription period. Except as stated above, no refunds shall be provided for unused subscription periods, change of mind, partial use of Services, or issues arising from the User's device, internet connectivity, or failure to utilize the Services.

Contact Us

If you have any questions, concerns, feedback, complaints or grievances regarding the Platform, the Services or these Terms, you may contact us at:

digiRM Services

No. 1518, Tower 3, Lodha Crown,

Majiwada, Thane – 400601, Maharashtra, India.

Email: compliance@digirm.com

We shall endeavor to respond to your queries and resolve grievances within a reasonable time in accordance with applicable law.