Terms of Service

Document status: DRAFT for review. NOT YET PUBLISHED. Authoring basis: V1 Terms — full verbatim now captured at docs/v1-legal-content.md § 3 (was previously a summary; the verbatim recapture on 2026-04-22 surfaced three items now carried into this draft: Indian Contract Act, 1872 eligibility framing, "previously suspended" disqualification, and the Advisor mid-call call-back obligation) — combined with V2-locked policies in .paul/PROJECT.md (cancellation tiers, recording, payouts, tax structure, premium subscription, dispute resolution). V1 clauses on default-opt-in marketing and rating-gated invoicing have been deliberately dropped: the first conflicts with DPDPA opt-in standards (replaced by § 14), and the second is superseded by the cleaner T+7 payout-hold + 7-day dispute window (§ 11.4, § 11.1). Drafter: AI-assisted starting draft; intended as a base for lawyer refinement, NOT a substitute for legal counsel. Action required: (1) operator/client review for accuracy of business descriptions; (2) lawyer review for enforceability under the Indian Contract Act, 1872, the IT Act, 2000, the Consumer Protection Act, 2019, the CGST Act, 2017, RBI Payment Aggregator regulations, and DPDPA 2023; (3) finalisation prior to first paid call. Effective date: to be set on day-of-publish.

1. Acceptance and parties

These Terms of Service ("Terms") are a legally binding agreement between you ("you", "user", "Owner" or "Advisor" as applicable) and BizBoozt Services LLP, an LLP incorporated under the Limited Liability Partnership Act, 2008, having its registered office at:

40/3456, Flat No. 602, Pearl Ouplence, Metro Pillar No. 505, Palarivattom, Kochi, Ernakulam, Kerala — 682025, India LLPIN: AAT-1149, GSTIN: 32AAWFB6572E1Z9, PAN: AAWFB6572E

(referred to herein as "BizBoozt", "we", "us", or "our").

By creating an account, accessing, or using the Platform at https://app.bizboozt.com or any related service (collectively, the "Services"), you represent that:

• You are at least eighteen (18) years of age;
• You have the legal capacity to enter into a binding contract under Indian law;
• You agree to be bound by these Terms and our Privacy Policy (incorporated by reference at https://app.bizboozt.com/legal/privacy);
• The information you provide to us is accurate, current, and complete.

If you do not agree with these Terms, you must not use the Services.

If you are using the Services on behalf of a business or other organisation (for example, as an Owner booking on behalf of your firm), you represent and warrant that you have the authority to bind that entity, and "you" shall include both you and that entity.

2. Definitions

3. The Services

3.1 What we do

BizBoozt operates a marketplace that connects Indian small and medium enterprise ("SME") owners with verified business Advisors for paid 30-minute video consultations. We provide the Platform; we do not ourselves render advisory services.

3.2 What we do not do

We are not a party to the consultation itself. The Advisor provides the Consultation independently. The advice provided in any Consultation is for general guidance and is not legal, accounting, tax, regulatory, financial, or investment advice unless the Advisor expressly states so and is professionally qualified to provide such advice. You are responsible for evaluating any advice you receive and for any decision you take in reliance on it.

3.3 Eligibility

The Services are available only to:

• Persons aged 18 years or older;
• Persons who are competent to contract within the meaning of the Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the said Act — including un-discharged insolvents and persons of unsound mind — are not eligible to use the Services;
• Persons with a verifiable Indian address;
• Persons who have not been previously suspended, removed, or otherwise disqualified by BizBoozt from availing the Services for any reason.

We reserve the right to refuse, suspend, or terminate accounts that we reasonably believe do not meet these criteria.

3.4 Currencies and language

All transactions on the Platform are denominated in Indian Rupees (INR). The Services are currently provided in English only.

4. Accounts

4.1 Account creation

You may create an account using a valid email address. We will send you a one-time code ("OTP") to verify your email. Account creation requires acceptance of these Terms and the Privacy Policy.

4.2 Account information

You must provide accurate, current, and complete information at sign-up and must keep your account information up to date. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under your account. Do not share your one-time code with anyone; we will never ask for your OTP by phone, email, or chat.

4.3 Roles

Each account is assigned one of three roles:

• Owner — default role. You can browse, book, and consume Consultations.
• Advisor — assigned by us after a successful KYC + admin approval flow.
• Admin — internal BizBoozt operator role only.

We reserve the right to change role assignments where required for the operation of the Services or in response to a violation of these Terms.

4.4 Account suspension

We may suspend or terminate your account at any time, with or without prior notice, where we reasonably believe that:

• You have violated these Terms or our Privacy Policy;
• Your account has been used to commit fraud or violate any law;
• Your continued use poses a risk to other users, the Platform, or any third party;
• We are required to do so by law or by a court order.

4.5 Account closure by you

You may close your account at any time by writing to support@bizboozt.com with the subject "Account Closure". Pending Consultations are cancelled in accordance with § 8 and refunded where applicable. Pending Advisor Payouts are settled if eligible.

5. Bookings, payments, and invoicing

5.1 Booking flow

You may book a Consultation by selecting an Advisor, choosing an available time slot, providing payment, and accepting the cancellation and recording terms applicable to the Booking.

5.2 Payment is due at booking

The full Booking amount, including the Consultation fee and applicable taxes, is payable at the time of booking. The Booking is confirmed only on receipt of payment.

5.3 Payment Aggregators

Payments are processed by our PAs (Razorpay primary; Instamojo secondary). We do not store full card numbers, CVV, or any payment-instrument data on our servers. All card data is handled by the PAs in their PCI-DSS-compliant environments under RBI Payment Aggregator regulations. By making a payment, you also agree to the PA's terms and privacy policy.

5.4 Platform Fee

We deduct a Platform Fee from the amount payable to the Advisor in respect of each Consultation. The current Platform Fee is 20% of the Booking value for both Normal-tier and Premium-tier Advisors. Premium Advisors receive enhanced placement (§ 13) but the Platform Fee percentage remains the same.

5.5 GST and tax compliance — five invoice flow

Depending on whether the Advisor is GST-registered and whether the Owner is GST-registered, one or more of the following invoices will be issued. Detailed invoice routing (Case A vs Case B, B2B vs B2C) is set out in our Invoice Routing Rule and tax-template documents and follows the locked V2 policy.

Invoices are issued and stored electronically. You consent to the issuance of electronic invoices in lieu of paper invoices. Invoice numbers follow a gapless per-series, per-financial-year scheme as required by Goods and Services Tax law.

5.6 Withholding taxes

The following statutory withholdings apply, in line with Indian tax law:

[LAWYER TO VERIFY: confirm exact rates in force at time of publication, threshold conditions, and which sub-sections apply on the marketplace's facts. Section 194-O is the operative TDS for an e-commerce operator collecting payment, not Section 194J — but if Advisors fall under "professional services" Section 194J could apply.]

We deduct, deposit, and report these withholdings as required by law and provide the relevant TDS / TCS certificates (Form 16A / Form 27D) as applicable.

5.7 Currency

All Bookings, Payouts, and Subscriptions are denominated in INR. International payments are not currently supported.

6. Recording, privacy, and consent

6.1 All Consultations are recorded

By proceeding to a Consultation, you provide your specific, informed, freely given consent to the recording of the audio and video of the Consultation through our recording partner (Agora.io). Recording is unconditional — Consultations cannot proceed without recording.

6.2 Why we record

We record Consultations to:

• Provide evidence in case of a Dispute;
• Verify whether a Consultation took place where Owner or Advisor claims it did or did not;
• Improve quality of the Platform; and
• Comply with applicable law.

6.3 Storage and retention

6.4 Access to recordings

Recordings are accessible only to:

1. BizBoozt Admins reviewing a Dispute;
2. The Owner or Advisor where, in our reasonable judgment, providing access is necessary for Dispute resolution or to comply with a legal request; and
3. Authorised auditors and lawyers under confidentiality.

We do not make Recordings available to other users on the Platform, nor do we publish them.

6.5 Privacy

Our handling of your Personal Data, including Recordings, is governed by our Privacy Policy at https://app.bizboozt.com/legal/privacy.

7. Conduct of Consultations

7.1 Punctuality

The Advisor and Owner are each responsible for joining the Consultation at the scheduled time. The Platform makes the Consultation room available a few minutes before the scheduled time.

7.2 Duration

Each Consultation is 30 minutes unless a different duration is expressly stated at booking.

7.3 Early completion

If the Consultation is successfully completed before the elapse of the booked duration, no refund of the fee is payable for the unused time.

7.4 Technical failures and mid-call disconnection

If a Consultation fails to occur or is interrupted owing to a verifiable technical failure on the Platform, we will at our discretion: (a) reschedule the Consultation; or (b) issue a full refund.

If the Consultation is in progress and the call disconnects owing to connectivity issues on either side, the Advisor must promptly initiate a call-back through the Platform and resume the Consultation until the booked duration has been substantially completed. The Owner is required to remain reachable through the Platform during this period. If the Advisor does not initiate a call-back within a reasonable time and a substantial portion of the booked duration cannot be completed, the Owner may raise a Dispute under § 11.

The Owner and Advisor are responsible for the suitability of their own device, internet connection, camera, and microphone; a failure on the user's side does not entitle the user to a refund except as set out in § 8 (cancellation policy) or § 11 (dispute resolution).

7.5 Conduct standards

You must conduct yourself respectfully during the Consultation. Abusive, harassing, threatening, or sexually inappropriate behaviour is prohibited and may result in immediate termination of the Consultation, suspension of your account, and reporting to law enforcement.

7.6 No external recording

You may not record the Consultation by any external means (screen recording, third-party tools, mobile phone camera, etc.). The platform's authorised recording (§ 6) is the only permitted recording.

8. Cancellation policy

8.1 Owner-initiated cancellation

The cancellation policy depends on how far in advance of the scheduled Consultation you cancel:

8.2 Advisor-initiated cancellation

If the Advisor cancels a Consultation prior to the scheduled start time:

• Owner is refunded 100% of the Booking amount.
• The cancellation is recorded against the Advisor.
• Three (3) Advisor-initiated cancellations within any rolling 30-day period may result in temporary suspension of the Advisor's account pending review.

8.3 Advisor no-show

If the Advisor does not join the Consultation within the prescribed grace period (5 minutes after scheduled start, default), the Consultation is treated as a no-show by the Advisor:

• Owner is refunded 100%;
• The no-show is recorded against the Advisor;
• Repeated no-shows may result in suspension or termination of the Advisor's account.

8.4 Owner no-show

If the Owner does not join the Consultation within the prescribed grace period and the Advisor has joined, the Consultation is treated as completed for billing purposes. No refund is payable to the Owner. The Advisor is paid as if the Consultation had been completed.

8.5 Refund timing

Refunds are processed to the original payment method through the relevant Payment Aggregator. Refund credit timelines are determined by the PA and your bank, but typically take up to 7 working days.

9. Reschedule policy

9.1 Owner-initiated reschedule

You may reschedule a Booking once, free of charge, more than 4 hours prior to the scheduled start time. No additional reschedules are permitted; further changes are treated as a cancellation under § 8.1.

9.2 Advisor-initiated reschedule

An Advisor may reschedule a Booking by proposing alternative slots at least 72 hours prior to the originally scheduled start time. The Owner may accept the proposed slot or treat the reschedule as an Advisor-initiated cancellation under § 8.2.

Three (3) Advisor reschedules in any rolling 30-day period may result in suspension of the Advisor's account pending review.

10. Money-back trust commitment

If, after a completed Consultation, you genuinely believe that the advice provided was unhelpful or did not address your stated objective, you may raise a trust complaint within the dispute window (§ 11). On verification, refunds are issued at our discretion in line with the Dispute resolution process. This is a goodwill measure and does not amount to a guarantee of outcome from any Consultation.

11. Disputes and refunds

11.1 Dispute window

You may raise a Dispute in respect of a Consultation by writing to support@bizboozt.com within 7 (seven) days of the scheduled start of the Consultation. Disputes raised after the 7-day window are not entertained, save in exceptional circumstances at our discretion.

11.2 What we look at

We will review the Dispute, which may include:

• The Recording (where applicable);
• The Booking and payment records;
• Logs of joining and connection;
• Submissions by the Owner and Advisor;
• Public ratings and prior pattern, if any.

11.3 Outcomes

After review, the Dispute is resolved as one of the following:

• RESOLVED_REFUND — full refund to the Owner;
• RESOLVED_RELEASE — funds released to the Advisor;
• RESOLVED_PARTIAL — partial refund to the Owner with the balance released to the Advisor.

Our decision is final and binding as between you and BizBoozt save your statutory rights under the Consumer Protection Act, 2019, and other applicable law.

11.4 Payout hold

Funds payable to an Advisor in respect of a Consultation are held by us for 7 days from the date of the Consultation before being released for payout. If a Dispute is raised within the window, funds remain on hold until resolution.

12. Advisor obligations

In addition to the general user obligations, an Advisor:

12.1 KYC and verification

Must provide accurate KYC information at signup, including PAN, bank account, IFSC, and supporting documents, and must keep such information current.

12.2 Approval

May not provide Consultations until admin-approved. We retain full discretion over approval and may reject or revoke approval at any time.

12.3 Professional standards

Must possess the credentials they represent and may not hold out professional qualifications they do not have. We may suspend or terminate accounts where misrepresentation is found.

12.4 Independent contractor

Acknowledges that the Advisor is an independent contractor, not an employee, agent, partner, or franchisee of BizBoozt. The Advisor is responsible for their own income tax filings, GST registration (where applicable), and professional indemnity.

12.5 No solicitation outside the Platform

Will not solicit Owners to consult outside the Platform during the term of these Terms and for 6 months thereafter with respect to any Owner sourced through the Platform.

12.6 Ratings and reviews

Acknowledges that Owners may leave public ratings and reviews. We may moderate reviews for abusive content but do not, in the ordinary course, remove negative reviews simply because the Advisor disagrees.

[LAWYER TO VERIFY: § 12.5 non-solicitation clause for enforceability under Indian Contract Act, 1872 (s.27 — restraint of trade). Standard guidance is that 6-month post-term clauses against the Platform's own users are typically defensible; lawyer to confirm.]

13. Premium Advisor Subscription

13.1 Plan

Advisors may subscribe to the Premium Tier at ₹10,000 per month (plus applicable GST). Premium provides enhanced search placement and visibility on the Platform. Premium does not alter the Platform Fee on individual Consultations (which remains 20% for both Normal and Premium).

13.2 Auto-renewal

Premium subscriptions are billed monthly and auto-renew unless cancelled. You may cancel at any time through your account settings or by contacting support@bizboozt.com. Cancellation takes effect at the end of the current billing cycle; the subscription continues to provide benefits until then.

13.3 No pro-rated refunds

Subscription fees are non-refundable on cancellation, except where we materially change subscription benefits during a billing cycle, in which case we offer a pro-rated refund at our discretion.

13.4 Termination by us

We may suspend or terminate a Premium subscription where the Advisor's account is suspended or terminated under § 4.4 or § 12.

14. WhatsApp and email communications

14.1 Transactional communications

By creating an account, you consent to receive transactional messages from us through email and (where you provide a phone number) WhatsApp, including:

• One-time codes and authentication notifications;
• Booking confirmations and reminders;
• Payment, refund, and payout notifications;
• Dispute updates;
• Service announcements.

14.2 Marketing communications

We will not send you marketing or promotional messages without your separate, opt-in consent. You may withdraw such consent at any time through account settings or by writing to support@bizboozt.com.

14.3 WhatsApp templates

WhatsApp messages are sent through approved templates via our messaging partner. You may opt out of WhatsApp communications at any time, in which case transactional communications will be delivered by email only.

15. Intellectual property

15.1 Platform IP

The Platform, including all software, design, text, graphics, logos, trade marks, and other content (excluding User Content), is the property of BizBoozt and is protected by copyright, trade-mark, and other intellectual-property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the purposes contemplated by these Terms.

15.2 User Content

By submitting any content to the Platform — including booking notes, profile information, ratings, reviews, and dispute submissions — you grant us a worldwide, royalty-free, non-exclusive licence to use, store, reproduce, modify, and display such content solely for the purpose of operating the Platform, providing the Services, resolving Disputes, and complying with applicable law.

15.3 Recordings

Subject to § 6 (recording, privacy, and consent), you understand that the Recording is owned by us, made under your consent, and used for the purposes set out in § 6.2.

15.4 Copyright complaints

If you believe that any content on the Platform infringes your copyright or other intellectual-property rights, please write to support@bizboozt.com with details of the alleged infringement, your contact information, and a good-faith statement of belief.

16. Prohibited uses

You must not use the Services to:

1. Violate any applicable law, regulation, or court order;
2. Infringe the intellectual-property, privacy, or other rights of any person;
3. Submit information that is false, misleading, defamatory, or fraudulent;
4. Impersonate any other person or entity;
5. Engage in money laundering, terror financing, or any other financial crime;
6. Solicit advice or services outside the scope of the Platform;
7. Distribute viruses, malware, or any harmful code;
8. Scrape, copy, or harvest content from the Platform other than as permitted;
9. Reverse-engineer, decompile, or attempt to derive the source of the Platform;
10. Bypass our security measures or rate limits, including OTP, session, and IP-rate limits;
11. Use the Services for any purpose other than the one for which they are provided.

Violation may result in immediate suspension or termination of your account, forfeiture of pending Payouts where related to fraudulent activity, and reporting to law-enforcement authorities.

17. Disclaimers and warranties

17.1 Services as-is

To the maximum extent permitted by law, the Services are provided "as is" and "as available". We make no representation or warranty, express or implied, in respect of the Services, including (without limitation) any warranty of merchantability, fitness for a particular purpose, accuracy, completeness, security, uninterrupted availability, or freedom from defects or viruses.

17.2 No advisory warranty

We do not warrant the accuracy, completeness, or quality of the advice provided by any Advisor. Advice received in a Consultation does not create a professional relationship with us. Always seek qualified professional counsel before making any legal, financial, tax, regulatory, or investment decision.

17.3 Third-party dependencies

The Platform relies on third-party services (Razorpay, Instamojo, Agora, our SMTP provider, our WhatsApp provider, our hosting provider, etc.). We are not liable for outages or failures of those services, except as required by law.

18. Limitation of liability

18.1 Cap

To the maximum extent permitted by law, our total liability to you in respect of any claim arising out of or in connection with these Terms or the Services is limited to the lesser of (a) the amounts paid by you to us in respect of the Consultations giving rise to the claim during the twelve (12) months preceding the claim; or (b) ₹10,000.

18.2 Excluded losses

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including (without limitation) loss of profit, loss of revenue, loss of business opportunity, loss of goodwill, or loss of data, however arising.

18.3 No exclusion for liability that cannot be excluded by law

Nothing in these Terms excludes or limits our liability where it cannot, by law, be excluded or limited — including liability for fraud, gross negligence, wilful misconduct, or any liability arising under the Consumer Protection Act, 2019 that cannot be excluded.

[LAWYER TO VERIFY: confirm enforceability of liability cap and exclusions in light of the Consumer Protection Act, 2019, and recent jurisprudence on standard-form online consumer contracts.]

19. Indemnification

You agree to indemnify, defend, and hold harmless BizBoozt, its partners, designated partners, employees, and contractors from and against all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

1. Your breach of these Terms;
2. Your violation of any applicable law;
3. Your infringement of any third-party right;
4. Your User Content;
5. Your acts or omissions in connection with a Consultation, where you are the Advisor — including the advice you provide.

20. Termination

20.1 By us

We may suspend or terminate your access to the Services at any time, with or without prior notice, in accordance with § 4.4.

20.2 By you

You may terminate your account at any time in accordance with § 4.5.

20.3 Effect of termination

On termination:

• Your right to use the Services ends immediately;
• Pending Bookings are cancelled and refunded under § 8;
• Pending Advisor Payouts are settled where eligible;
• We retain Personal Data as set out in our Privacy Policy.

Sections that, by their nature, are intended to survive termination — including § 11 (Disputes), § 15 (Intellectual Property), § 17 (Disclaimers), § 18 (Limitation of Liability), § 19 (Indemnification), § 21 (Governing Law), and the corresponding provisions of the Privacy Policy — survive termination.

21. Changes to these Terms

We may amend these Terms from time to time. Material changes will be notified to you by email at the registered email address on your account, by a prominent notice on the Platform, or by both, at least 7 days before the change becomes effective, unless a shorter period is required by law or for emergency security/regulatory updates. If you continue to use the Services after the change, you are deemed to have accepted the revised Terms. If you do not agree, you must discontinue use and may terminate under § 20.2.

22. Governing law and dispute resolution

These Terms are governed by the laws of India. Subject to your statutory rights (including under the Consumer Protection Act, 2019), the courts at Kochi, Kerala have exclusive jurisdiction over disputes arising out of these Terms.

[LAWYER TO ADVISE: whether to add an arbitration clause (Indian Arbitration & Conciliation Act, 1996, single arbitrator, seat at Kochi) — common in marketplace agreements but interplay with Consumer Protection Act consumer-court access needs care.]

23. General

23.1 Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms in connection with a merger, acquisition, financing, or sale of business, on notice to you.

23.2 No waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

23.3 Severability

If any provision of these Terms is held to be unenforceable, the remaining provisions remain in full effect, and the unenforceable provision is to be modified to the minimum extent necessary to make it enforceable while reflecting the parties' original intent.

23.4 Force majeure

We are not liable for any failure or delay in performance arising from causes beyond our reasonable control, including acts of God, natural disasters, pandemics, civil unrest, war, terrorism, government action, internet failures, payment-system outages, and Acts of State.

23.5 Entire agreement

These Terms, together with the Privacy Policy and any other binding policy referenced from the Platform, constitute the entire agreement between you and us in respect of the Services and supersede all prior agreements and understandings.

24. Contact

Appendix A — Open items for client + lawyer review

1. TDS Section reference (§ 5.6) — confirm whether 194-O (e-commerce operator) or 194J (professional services) applies, and rate; confirm GST-TDS applicability.
2. Non-solicit clause (§ 12.5) — 6-month duration enforceability under Section 27 of the Indian Contract Act.
3. Liability cap (§ 18) — enforceability under the Consumer Protection Act, 2019.
4. Arbitration clause (§ 22) — decide whether to include and how it interacts with consumer-protection forums.
5. Recording consent (§ 6.1) — recording is currently presented as unconditional. Lawyer to confirm DPDPA consent quality where the consent is a precondition for service ("conditioning") — DPDPA s. 6(2)(a) permits conditioning where the data is necessary for the purpose. Consultation evidence is necessary for the marketplace's dispute and audit purposes; lawyer to confirm this framing.
6. Premium subscription (§ 13) — confirm pricing and terms.
7. Money-back trust commitment (§ 10) — confirm exact policy and avoid creating a contractual guarantee that we cannot operationally honour.
8. Advisor independent-contractor status (§ 12.4) — review for any inadvertent employer-employee characterisation.
9. 3-strikes Advisor cancellation / reschedule (§§ 8.2, 9.2) — confirm operational implementation matches the contractual rule.
10. Owner no-show treated as completed (§ 8.4) — confirm policy and consumer-protection implications.
11. B2B/B2C invoice flow (§ 5.5) — confirm against finalised CA-approved templates (docs/invoice-template-bb-to-gst-customer-DRAFT.md).
12. Pearl Ouplence spelling (§ 1) — registered legal spelling per client confirmation.