Terms of Use

TERMS AND CONDITIONS

DOON AI TECHNOLOGIES (OPC) PRIVATE LIMITED

Effective Date: December 18, 2025

Website: https://statementorganizer.com

ARTICLE I: PRELIMINARY PROVISIONS AND DEFINITIONS

1.1 Introduction and Acceptance

These Terms and Conditions (hereinafter referred to as the "Terms" or "Agreement") constitute a legally binding contract between the user of the services offered through the platform located at https://statementorganizer.com (hereinafter referred to as the "Platform," "Website," or "Service") and DOON AI TECHNOLOGIES (OPC) PRIVATE LIMITED, a company incorporated and registered under the laws of the Republic of India (hereinafter referred to as "Company," "we," "our," or "us"). The governing legal framework is established under the Indian Contract Act, 1872, which sets forth the requirements for the formation of valid contracts and agreements enforceable by law. Additionally, these Terms are governed by the Information Technology Act, 2000, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, which regulate intermediaries operating within the territory of India.

By accessing, browsing, registering for, or otherwise utilizing any feature of the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. Should you disagree with any provision contained herein, you are directed to cease all use of the Platform immediately and refrain from any further access. The validity of electronic agreements in India has been affirmed through judicial interpretation, including in Tamil Nadu Organic Private Ltd v. State Bank of India, wherein the High Court observed that contractual liabilities arising from electronic means are enforceable in courts of law.

1.2 Definitions

For purposes of the Agreement, the following terms shall have the meanings ascribed below, unless the context clearly requires otherwise:

(a) "User" or "you" means any natural person who accesses or utilizes the Platform for personal, non-commercial financial analysis purposes.

(b) "Personal Data" means any data about an individual who is identifiable by or in relation to such data, as defined under Section 2(t) of the Digital Personal Data Protection Act, 2023.

(c) "Data Fiduciary" means any person, company, or entity that determines the purpose and means of processing personal data, as contemplated under the Digital Personal Data Protection Act, 2023.

(d) "Data Principal" means the individual to whom the personal data relates, or where such individual is a child, the parent or lawful guardian of such child.

(e) "Financial Statement Data" means bank statements, credit card statements, and analogous financial documents uploaded by Users for processing and analysis.

(f) "Credits" means the prepaid units purchased by Users that enable access to premium features including file uploads, analytical insights, and conversational artificial intelligence interactions.

(g) "AI Services" means the artificial intelligence functionalities provided through the Platform, including but not limited to transaction extraction, data analysis, and interactive chat features.

(h) "Third Party Providers" means external service providers whose technologies are integrated into the Platform, including Google Gemini and DeepSeek artificial intelligence application programming interfaces.

(i) "Consumer" shall bear the meaning ascribed to it under Section 2(7) of the Consumer Protection Act, 2019, namely, any person who buys goods or hires or avails of services for consideration.

1.3 Eligibility and Capacity

The Platform is intended exclusively for use by individual natural persons and not by corporations, partnerships, trusts, or other legal entities. Users must possess the legal capacity to enter into binding agreements under Section 11 of the Indian Contract Act, 1872. By utilizing the Platform, you represent and warrant that you are at least eighteen (18) years of age and that you possess full legal authority to bind yourself to these Terms. Minors, persons of unsound mind, and persons otherwise disqualified from contracting under applicable law are not permitted to utilize the Platform.

ARTICLE II: SCOPE OF SERVICES AND USER OBLIGATIONS

2.1 Description of Services

The Platform provides financial data analysis services whereby Users may upload their personal financial statements (including bank statements and credit card statements) for automated processing. Our artificial intelligence systems extract transaction data and other relevant information to generate analytical insights and visualizations. Users may additionally engage with an AI chat function to query their processed financial information.

In accordance with the Information Technology Act, 2000, and the rules framed thereunder, the Platform maintains appropriate technical measures to ensure the validity and security of electronic data processing. The Company qualifies as an "intermediary" within the meaning of Section 2(1)(w) of the Information Technology Act, 2000, and complies with the due diligence requirements prescribed under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

2.2 Data Processing and Retention

Upon upload of Financial Statement Data, the Platform processes such documents through automated extraction algorithms. It is expressly understood that original uploaded files are permanently deleted from our systems within minutes following successful processing. The extracted transactional data, however, is retained within our database infrastructure for purposes of providing ongoing analytical services. Users acknowledge and consent to the foregoing data retention framework as a condition of utilizing the Platform.

The Platform adheres to the storage limitation principles enshrined in the Digital Personal Data Protection Act, 2023, which mandates erasure of personal data once the purpose for which it was collected has been fulfilled, unless retention is necessary for legal purposes.

2.3 Anonymization and Masking Features

The Platform offers optional masking functionality through which Users may substitute identifying information (such as personal names) with alternative text of their choosing. When a User elects to apply masking, all data retained on the Platform shall reflect the substituted information rather than the original identifying particulars. Users bear sole responsibility for determining appropriate masking configurations and ensuring the anonymized data meets their individual privacy requirements.

2.4 User Responsibilities and Prohibited Conduct

Users shall: (i) provide accurate and truthful information when registering for an account; (ii) maintain the confidentiality of account credentials and accept responsibility for all activities occurring under their account; (iii) upload only Financial Statement Data that pertains to their own personal accounts or accounts for which they possess lawful authorization; (iv) refrain from utilizing the Platform for any fraudulent, illegal, or unauthorized purpose; and (v) comply with all applicable laws and regulations within the territory of India.

The following conduct is expressly prohibited: uploading documents belonging to third parties without proper authorization; attempting to reverse engineer, decompile, or extract source code from the Platform; circumventing or manipulating any security measures; introducing malicious code or harmful components; utilizing automated systems (bots, scrapers) to access or interact with the Platform; and any conduct that contravenes the provisions of the Information Technology Act, 2000, or constitutes an offence punishable thereunder.

ARTICLE III: CREDIT SYSTEM, PAYMENT TERMS, AND REFUND POLICY

3.1 Credit Acquisition and Utilization

The Platform operates on a credit based model wherein Users may purchase Credits to access premium functionalities beyond the base allocation provided upon registration. Credits enable additional file uploads, analytical report generation, and AI chat interactions. Credit quantities and pricing are published on the Platform and may be modified at our discretion with reasonable notice to existing Users.

3.2 Credit Expiration and Monthly Cycle

All purchased Credits must be utilized within the monthly billing cycle during which they were acquired. Credits that remain unused at the conclusion of a monthly cycle shall expire automatically and cannot be carried forward, accumulated, or transferred to subsequent periods. The foregoing expiration policy is fundamental to the Platform's operational model, and Users accept the limitation as a condition of purchase.

3.3 Refund Policy: Governing Principles and Statutory Framework

The Consumer Protection Act, 2019, serves as the cornerstone of consumer rights in India, explicitly covering e-commerce transactions and recognizing the right of consumers to seek redressal in cases of defective goods or deficient services. The Consumer Protection (E-commerce) Rules, 2020, further mandate that e-commerce entities clearly mention refund, return, and exchange policies; refrain from imposing unfair cancellation charges; and effect all payments towards accepted refund requests in accordance with Reserve Bank of India guidelines.

The Company is committed to compliance with the aforementioned statutory framework. Our refund policy is structured to balance legitimate consumer protection interests with the unique characteristics of digital service delivery.

3.4 Eligibility Criteria for Refunds

Refunds may be considered in the following limited circumstances:

(a) Technical Failure: Where the Platform experiences a documented technical malfunction that renders purchased Credits entirely unusable and our technical team is unable to rectify the issue or restore access within a reasonable timeframe (generally seven business days from the date of initial complaint).

(b) Duplicate Charges: Where a User is erroneously charged multiple times for the same Credit purchase due to payment processing errors attributable to the Platform or our payment gateway providers.

(c) Materially Deficient Service: Where the AI analysis produces fundamentally erroneous outputs that render the service wholly unfit for its intended purpose, provided the User can demonstrate the deficiency through reasonable evidence and our quality assurance review substantiates the claim. The Consumer Protection Act, 2019, recognizes the right to seek refund, replacement, or compensation in cases of defective goods or deficient services.

(d) Misrepresentation: Where the services delivered are materially different from those described on the Platform at the time of purchase, constituting an unfair trade practice within the meaning of Section 2(47) of the Consumer Protection Act, 2019.

3.5 Procedural Requirements for Refund Requests

Users seeking a refund must submit a written request to support@statementorganizer.com containing: (i) full registered name and account email address; (ii) date and transaction reference of the purchase; (iii) specific grounds for the refund request with supporting documentation where applicable; (iv) description of any troubleshooting steps already undertaken; and (v) any additional information that may assist our review.

The Consumer Protection (E-commerce) Rules, 2020, require acknowledgment of consumer grievances within forty-eight (48) hours and resolution within one month. Accordingly, the Company shall acknowledge receipt of all refund requests within forty-eight (48) hours. Upon receipt of a complete refund request, we shall undertake an investigation and communicate our determination within thirty (30) days of acknowledgment. Users will be notified of the determination via their registered email address.

3.6 Timeline for Processing Approved Refunds

Approved refunds shall be processed in accordance with the timelines prescribed by the Reserve Bank of India for the applicable payment method. For credit card and debit card transactions, refunds shall typically be credited within five to seven (5 to 7) business days of approval, though the actual reflection in User accounts may vary depending upon issuing bank policies. For net banking and UPI transactions, refunds shall be processed within three to five (3 to 5) business days of approval. The Company reserves the right to issue refunds via the original payment method or, where technically impracticable, through an alternative method of equivalent value.

3.7 Exclusions from Refund Eligibility

Refunds shall NOT be provided under the following circumstances:

(a) Unused Credits: Credits that expire due to non-use within the applicable monthly cycle are not refundable under any circumstance, as the service remained available for utilization throughout the relevant period. Users are advised to utilize purchased Credits prior to cycle expiration.

(b) Change of Mind or Buyer's Remorse: Refunds are not available where a User simply decides they no longer wish to use the Platform or no longer require the purchased Credits, absent any service deficiency or technical failure.

(c) Digital Services Already Rendered: Where digital services have been delivered and consumed (that is, where Credits have been utilized for file processing or AI interactions), refunds are not available as the service has been fully rendered. The nature of digital content precludes return in a manner analogous to physical goods.

(d) Partial Consumption: Credits that have been partially consumed are eligible for refunds only under limited circumstances. The indivisible nature of the Credit system and the costs associated with service delivery preclude partial reimbursement. For refunding unused credits, please contact support@statementorganizer.com

(e) Personalized Outputs and Custom Analysis: Analytical reports and insights generated specifically for a User's uploaded Financial Statement Data constitute personalized digital content. Once generated, such outputs cannot be refunded as the service has been customized and delivered according to User-specific inputs.

(f) Downloaded or Exported Data: Where Users have downloaded, exported, or otherwise extracted analytical outputs from the Platform, refunds for the Credits expended in generating such outputs are not available.

(g) Violation of Terms: No refund shall be issued to Users whose accounts have been suspended or terminated due to violations of these Terms or applicable law.

(h) External Factors: Refunds are not available for service degradation attributable to User's internet connectivity, device compatibility issues, browser settings, or third-party software conflicts outside the Company's reasonable control.

(i) Delays Attributable to Third Parties: Where delays in service delivery result from actions or omissions of third-party providers, payment gateways, or banking institutions, such delays shall not constitute grounds for refund unless the delay renders the service wholly unavailable for an extended period.

3.8 Dispute Resolution Mechanism for Refund Claims

Users who are dissatisfied with the outcome of a refund request may escalate the matter to our Grievance Officer (contact details provided herein). The Grievance Officer shall review the complaint and provide a determination within fifteen (15) days of escalation. Should the User remain dissatisfied following Grievance Officer review, the User may avail remedies available under the Consumer Protection Act, 2019, including filing a complaint before the appropriate Consumer Disputes Redressal Commission.

3.9 Chargebacks and Fraudulent Claims

Users agree not to initiate chargebacks or payment reversals without first exhausting the refund procedures set forth herein. Initiating a chargeback without prior communication may result in immediate account suspension pending investigation. Where a chargeback is determined to be fraudulent or made in bad faith, the Company reserves the right to pursue recovery of the disputed amount together with any fees, costs, or damages incurred.

ARTICLE IV: INTELLECTUAL PROPERTY AND COPYRIGHT POLICY

4.1 Ownership of Platform Content

All intellectual property rights in the Platform, including but not limited to software code, algorithms, user interface designs, graphics, logos, trademarks, service marks, and textual content, are owned by or licensed to the Company. The foregoing intellectual property is protected under the Copyright Act, 1957; the Trade Marks Act, 1999; and other applicable intellectual property legislation in India. Nothing in these Terms grants Users any right, title, or interest in such intellectual property except the limited license to access and use the Platform in accordance with these Terms.

4.2 License to Use the Platform

Subject to User's compliance with these Terms, the Company grants Users a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial financial analysis purposes. The license does not include: (a) any resale or commercial use of the Platform or its contents; (b) any derivative use of the Platform or its contents; (c) any downloading or copying of account information for the benefit of another; or (d) any use of data mining, robots, or similar data gathering and extraction tools.

4.3 User-Generated Content and License Grant

Users retain ownership of Financial Statement Data and any personal information they upload to the Platform. By uploading such content, Users grant the Company a limited, non-exclusive, royalty-free license to process, analyze, store (in accordance with our data retention policies), and display such content solely for the purpose of providing the contracted services. The license terminates upon deletion of the User's account, subject to any legal retention requirements or ongoing legal proceedings.

4.4 Copyright Infringement Policy and Takedown Procedures

The Company respects the intellectual property rights of others and expects Users to do likewise. The Copyright Act, 1957, provides copyright holders with the right to issue takedown notices to online platforms ordering removal of infringing content. Additionally, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, prescribe due diligence requirements for intermediaries in addressing complaints related to intellectual property infringement.

Although the Platform is not primarily user-content driven, the Company maintains procedures for addressing copyright concerns in compliance with the statutory framework.

4.5 Notification of Claimed Infringement

If you believe that any content accessible through the Platform infringes your copyright, you may submit a notification to our designated Grievance Officer at legal@statementorganizer.com containing the following information:

(a) A physical or electronic signature of the copyright owner or a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

(b) Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works are covered by a single notification, a representative list of such works;

(c) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, together with information reasonably sufficient to permit the Company to locate the material;

(d) Information reasonably sufficient to permit the Company to contact the complaining party, including name, address, telephone number, and electronic mail address;

(e) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

(f) A statement that the information in the notification is accurate, and a declaration under the provisions of the Indian Penal Code, 1860, pertaining to false statements, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

4.6 Company Response to Valid Notifications

Upon receipt of a notification that complies with the requirements set forth above, the Company shall: (i) expeditiously remove or disable access to the material that is claimed to be infringing; (ii) take reasonable steps to notify the User who uploaded or made available such material of the removal or disabling; and (iii) provide the User with an opportunity to submit a counter-notification if the User believes the material was removed in error.

4.7 Counter-Notification Procedures

If you believe that content was removed or disabled by mistake or misidentification, you may submit a counter-notification to legal@statementorganizer.com containing:

(a) Your physical or electronic signature;

(b) Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access was disabled;

(c) A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material; and

(d) Your name, address, and telephone number, together with a statement that you consent to the jurisdiction of courts in India and that you will accept service of process from the person who provided the original infringement notification or an agent of such person.

Upon receipt of a valid counter-notification, the Company shall promptly forward a copy to the original complainant and inform such party that the Company may restore the removed material within ten (10) to fourteen (14) business days, unless the original complainant provides evidence of having initiated judicial proceedings to restrain the allegedly infringing activity.

4.8 Repeat Infringer Policy

It is the policy of the Company, in appropriate circumstances, to disable and terminate the accounts of Users who are repeat infringers. Users who are the subject of multiple valid infringement notifications may have their accounts suspended or permanently terminated at the Company's sole discretion. Determination of repeat infringer status shall be made by the Company on a case-by-case basis, taking into account the totality of circumstances.

4.9 Limitation of Liability for Third-Party Content

Section 79 of the Information Technology Act, 2000, provides safe harbour protection for intermediaries in respect of third-party content hosted on their platforms, subject to compliance with due diligence requirements. The Company maintains procedures and policies designed to preserve applicable safe harbour protections. The Company shall not be liable for any infringement of intellectual property rights by Users or third parties, provided the Company expeditiously removes or disables access to infringing material upon obtaining actual knowledge or upon receipt of a valid notification.

4.10 Trademarks

"DOON AI TECHNOLOGIES (OPC) PRIVATE LIMITED," "STATEMENTORGANIZER.COM," and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. Users must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on the Platform are the trademarks of their respective owners.

ARTICLE V: DATA PROTECTION AND PRIVACY

5.1 Applicable Data Protection Framework

The Digital Personal Data Protection Act, 2023, establishes an integrated framework for the protection of digital personal data in India, providing for the obligations of data fiduciaries, the rights of data principals, and the establishment of the Data Protection Board of India for enforcement purposes. The Act applies to the processing of digital personal data within India where such data is collected online or collected offline and subsequently digitized, as well as to processing outside India if undertaken for offering goods or services within India.

The Company, as a Data Fiduciary, is committed to compliance with the provisions of the Digital Personal Data Protection Act, 2023, and shall process Personal Data only in accordance with lawful grounds specified thereunder.

5.2 Consent to Data Processing

By utilizing the Platform and uploading Financial Statement Data, you explicitly consent to the collection, processing, storage, and analysis of your Personal Data in accordance with these Terms and our Privacy Policy. For consent to be valid under the Digital Personal Data Protection Act, 2023, it must be free, specific, informed, and unambiguous, presented in clear and accessible terms. Users have the right to withdraw consent at any time, subject to any legal obligations requiring continued retention.

5.3 Obligations of the Company as Data Fiduciary

In accordance with the Digital Personal Data Protection Act, 2023, the Company shall: (i) make reasonable efforts to ensure the accuracy and completeness of Personal Data; (ii) implement reasonable security safeguards to prevent data breaches; (iii) inform the Data Protection Board of India and affected data principals in the event of a breach; and (iv) erase Personal Data once the purpose for which it was collected has been fulfilled and retention is no longer necessary for legal purposes.

5.4 Third-Party Data Processors

The Platform utilizes third-party artificial intelligence services (including Google Gemini and DeepSeek) for processing and analysis functions. By utilizing our services, you acknowledge and consent to the sharing of your data with these third-party processors to the extent necessary for service delivery. These third parties are contractually bound to maintain appropriate security measures and confidentiality obligations consistent with applicable data protection legislation.

5.5 Cross-Border Data Transfers

The Digital Personal Data Protection Act, 2023, permits cross-border transfers of personal data unless the recipient jurisdiction has been specifically restricted by the Central Government. Users acknowledge that data may be transferred to and processed in jurisdictions outside India in connection with third-party AI services, and consent to such transfers. The Company shall not transfer Personal Data to any jurisdiction that has been notified as restricted by the Government of India.

5.6 Data Principal Rights

Users may exercise rights afforded under the Digital Personal Data Protection Act, 2023, by contacting legal@statementorganizer.com, including:

(a) Right to access information about the Personal Data being processed;

(b) Right to correction of inaccurate or incomplete Personal Data;

(c) Right to erasure of Personal Data, subject to legal retention requirements;

(d) Right to grievance redressal; and

(e) Right to nominate another individual to exercise rights on the Data Principal's behalf in the event of death or incapacity.

The Company shall respond to valid requests within the timeframes prescribed by applicable law and the rules framed by the Data Protection Board of India.

ARTICLE VI: DISCLAIMERS AND LIMITATION OF LIABILITY

6.1 Service Provided "As Is"

The Platform and all services provided through it are offered on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of dealing. The Company does not warrant that the Platform will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

6.2 No Financial Advice

The analytical outputs and insights generated by the Platform are provided for informational purposes only and do not constitute financial, investment, tax, legal, or other professional advice. Users should consult qualified professionals before making financial decisions based upon information obtained through the Platform. The Company expressly disclaims any responsibility for decisions made in reliance upon Platform outputs.

6.3 AI Accuracy Limitations

Artificial intelligence systems, including those utilized by the Platform, operate through probabilistic methods and may produce outputs that are incomplete, inaccurate, or unsuitable for particular purposes. The Company does not guarantee the accuracy, reliability, or completeness of any AI-generated analysis, extraction, or insight. Users acknowledge and accept the inherent limitations of artificial intelligence technology.

6.4 Limitation of Liability

To the maximum extent permitted by applicable law, the Company, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses, arising out of or in connection with the use or inability to use the Platform, even if advised of the possibility of such damages.

The Company's aggregate liability for all claims arising out of or relating to these Terms or the Platform shall not exceed the total amount paid by the User to the Company during the twelve (12) months preceding the claim.

6.5 Consumer Protection Savings Clause

Notwithstanding the foregoing, nothing in these Terms shall operate to exclude or limit liability to the extent such exclusion or limitation is prohibited by mandatory provisions of the Consumer Protection Act, 2019, or other applicable consumer protection legislation. The rights conferred upon consumers under the Consumer Protection Act, 2019, including the right to seek redressal before Consumer Disputes Redressal Commissions, shall remain unaffected.

ARTICLE VII: INDEMNIFICATION

Users agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (i) User's breach of these Terms; (ii) User's violation of any applicable law or regulation; (iii) User's infringement of any intellectual property or other right of any third party; (iv) any claim that User's data or activities caused damage to a third party; or (v) unauthorized access to User's account resulting from User's failure to maintain account security.

ARTICLE VIII: GRIEVANCE REDRESSAL MECHANISM

8.1 Grievance Officer

In accordance with Rule 3(2) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Company has appointed a Grievance Officer to address complaints and concerns. The Grievance Officer may be contacted at:

Name: Grievance Officer, DOON AI TECHNOLOGIES (OPC) PRIVATE LIMITED

Email: legal@statementorganizer.com

8.2 Timeline for Resolution

The Grievance Officer shall acknowledge complaints within twenty-four (24) hours of receipt and shall endeavor to resolve complaints within fifteen (15) days from the date of receipt. Where the complaint pertains to content that requires removal under applicable law, such removal shall be effected within thirty-six (36) hours of receipt of a valid court order or notification from an appropriate Government authority, or within seventy-two (72) hours for complaints related to content depicting individuals in a manner prohibited under applicable law.

ARTICLE IX: MODIFICATIONS AND TERMINATION

9.1 Amendment of Terms

The Company reserves the right to modify these Terms at any time in its sole discretion. Material changes will be communicated to Users via email notification or prominent notice on the Platform. Continued use of the Platform following notification of changes constitutes acceptance of the modified Terms. Users who do not accept modified Terms must cease use of the Platform.

9.2 Termination by User

Users may terminate their account at any time by submitting a written request to legal@statementorganizer.com. Upon termination, the User's access to the Platform will be revoked and any remaining unused Credits will be forfeited without refund.

9.3 Termination by Company

The Company may suspend or terminate User access at any time, with or without cause, and with or without notice. Termination for cause may occur immediately upon User violation of these Terms. Upon termination, all licenses granted to User under these Terms shall immediately cease.

ARTICLE X: GOVERNING LAW AND DISPUTE RESOLUTION

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to conflict of law principles. The courts of competent jurisdiction in India shall have jurisdiction over any disputes arising hereunder.

10.2 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms shall first be subject to good faith negotiation between the parties. If such negotiation fails to resolve the dispute within thirty (30) days, either party may initiate binding arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be New Delhi, India, or such other location as the parties may mutually agree. The language of arbitration shall be English. The arbitral tribunal shall consist of a sole arbitrator mutually appointed by the parties, or in the absence of agreement, appointed in accordance with the provisions of the Arbitration and Conciliation Act, 1996.

10.3 Consumer Forum Jurisdiction

Notwithstanding the arbitration clause above, Users who qualify as consumers within the meaning of the Consumer Protection Act, 2019, retain the right to file complaints before the appropriate District Consumer Disputes Redressal Commission, State Consumer Disputes Redressal Commission, or National Consumer Disputes Redressal Commission, as applicable based on the value of goods or services and compensation claimed.

ARTICLE XI: GENERAL PROVISIONS

11.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between the User and the Company concerning the Platform and supersede all prior agreements, understandings, representations, and warranties.

11.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall continue in full force and effect.

11.3 Waiver

The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

11.4 Assignment

Users may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of the Company. The Company may assign these Terms without restriction.

11.5 Force Majeure

The Company shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government action, internet or telecommunications failures, epidemic, pandemic, or any event constituting force majeure under Indian law.

11.6 Language

These Terms are drafted in the English language. In the event of any conflict between the English version and any translation, the English version shall prevail. In accordance with the Digital Personal Data Protection Act, 2023, information regarding the collection and processing of personal data shall be made available in English and, upon request, in any of the twenty-two (22) languages specified in the Eighth Schedule to the Constitution of India.

11.7 Notices

All notices to the Company shall be sent to legal@statementorganizer.com. Notices to Users shall be sent to the email address registered with the Platform. Notice shall be deemed given twenty-four (24) hours after email is sent, unless the sending party receives notification of non-delivery.

ARTICLE XII: CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms, please contact:

DOON AI TECHNOLOGIES (OPC) PRIVATE LIMITED

Email: legal@statementorganizer.com

ACKNOWLEDGMENT

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Document prepared in accordance with applicable Indian legislation including the Indian Contract Act, 1872; Information Technology Act, 2000; Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021; Consumer Protection Act, 2019; Consumer Protection (E-commerce) Rules, 2020; Digital Personal Data Protection Act, 2023; Copyright Act, 1957; and the Arbitration and Conciliation Act, 1996.