Legal Terms & Conditions
Effective Date: 01-01-2026
Last Updated: 01-07-2026
IMPORTANT LEGAL NOTICE
These Terms of Service constitute a legally binding agreement between TechManta Solutions Private Limited ("TechManta", "Company", "we", "our", or "us") and every individual, organization, company, institution, insurer, broker, reseller, white-label customer, enterprise customer, or any other legal entity ("Customer", "Subscriber", "Client", "you", or "your") accessing or using any portion of the Platform.
By creating an account, registering as a member, purchasing a subscription, clicking "I Agree", signing an Order Form, integrating through our APIs, or otherwise accessing or using the Platform, you acknowledge that you have read, understood and agree to be legally bound by these Terms.
If you are accepting these Terms on behalf of a company, partnership, trust, association, governmental authority or any other legal entity, you represent and warrant that you possess the legal authority to bind such entity to these Terms.
If you do not agree with any provision contained herein, you must immediately discontinue use of the Platform and refrain from creating or maintaining an account.
1. Acceptance of Terms
These Terms govern your access to and use of all software, applications, APIs, cloud infrastructure, websites, mobile applications, integrations, documentation, portals, dashboards, white-label deployments and related services offered by TechManta Solutions Private Limited (collectively, the "Platform" or "Services").
Your continued access to or use of the Platform constitutes your unconditional acceptance of these Terms together with our Privacy Policy, Cookie Policy, Data Processing commitments (where applicable), and any Order Forms, Subscription Agreements, Service Level Agreements ("SLAs"), or other contractual documents expressly incorporated by reference.
Electronic Acceptance
For the purposes of the Information Technology Act, 2000, your electronic acceptance, including clicking an acceptance button, creating an account, using the Platform, or purchasing a subscription, shall constitute a valid electronic contract and shall be legally enforceable without the requirement of a handwritten or digital signature.
2. Membership
Registration creates a contractual relationship between you and TechManta. Membership grants you a limited, revocable, non-transferable, non-exclusive and non-sublicensable licence to access the subscribed Services strictly in accordance with these Terms.
Membership does not transfer ownership of any software, databases, algorithms, workflows, APIs, documentation, source code, trademarks, logos, trade secrets, intellectual property or proprietary technology belonging to TechManta.
Each account must be registered using accurate, current and complete information. You agree to promptly update your account details whenever such information changes.
You remain solely responsible for all activities occurring under your account, including activities performed by your employees, administrators, contractors, agents and Authorized Users.
Right to Terminate Membership
You may terminate your membership at any time by submitting a written request through our designated support channels or customer portal. Upon successful verification of the request, TechManta will initiate the account closure process.
Following termination, Customer Data shall be handled in accordance with our applicable data retention obligations, contractual commitments, security requirements and white-label deployment policies. Subject to applicable law, regulatory obligations and legitimate business needs, Customer Data will be deleted, anonymised or securely destroyed after the applicable retention period.
Certain records including invoices, audit logs, security logs, transaction records, taxation documents, backup archives and information required for fraud prevention, dispute resolution or compliance with applicable law may be retained for the minimum period required by law or our legitimate business obligations.
3. Subscription Fees, Cancellation & No Refund Policy
By purchasing any subscription, implementation package, onboarding service, integration service, customization engagement or white-label deployment, you acknowledge that substantial technical, operational and administrative costs are incurred immediately upon activation.
Such costs include, without limitation, cloud infrastructure provisioning, engineering effort, implementation services, configuration, API enablement, SMS/OTP verification, licensing, monitoring, security allocation, support provisioning, database resources, backups, maintenance and other operational expenses.
Non-Refundable Payments
Except where expressly required by applicable law or agreed to in writing by TechManta, all subscription fees, implementation charges, onboarding fees, integration fees, white-label customization fees, consulting fees and other payments are final, non-cancellable and non-refundable.
Termination of membership shall discontinue future access to the Platform in accordance with the applicable subscription plan but shall not entitle the Customer to reimbursement, credit or refund of fees already paid.
This policy reflects the immediate allocation of technical resources, engineering effort, cloud services, licensing commitments and operational costs that cannot reasonably be recovered after activation of the Services.
4. Definitions
For the purposes of this Agreement, unless the context otherwise requires, the following capitalized terms shall have the meanings assigned below:
4.1 "Account"
Means the unique account created by or on behalf of a Customer to access and use the Platform, including all associated credentials, authentication tokens, permissions, subscription information and usage history.
4.2 "Affiliate"
Means any entity that directly or indirectly controls, is controlled by, or is under common control with a party, where "control" means ownership of more than fifty percent (50%) of the voting interests or the power to direct management decisions.
4.3 "API"
Means any Application Programming Interface, webhook, SDK, authentication mechanism, endpoint, connector or software interface made available by TechManta for integration with third-party software or Customer systems.
4.4 "Applicable Laws"
Means all applicable statutes, enactments, ordinances, rules, regulations, government notifications, judicial decisions, industry standards and regulatory requirements, including those of India and, where applicable, any foreign jurisdiction governing the Customer's use of the Services.
4.5 "Authorized User"
Means any employee, administrator, contractor, consultant, agent, representative or other individual authorised by the Customer to access or use the Platform under the Customer's subscription.
4.6 "Confidential Information"
Means any non-public business, commercial, financial, operational, technical, security, customer, software or proprietary information, whether disclosed orally, electronically or in writing, including but not limited to source code, algorithms, documentation, pricing, APIs, architecture, product roadmaps, business processes, customer lists, security procedures and trade secrets.
4.7 "Customer"
Means the individual or legal entity that registers for, purchases, licenses or otherwise accesses the Platform, including its Authorized Users.
4.8 "Customer Data"
Means all data, documents, files, text, images, videos, records, configuration settings, databases, personal data, metadata, forms, communications and other information uploaded, submitted, generated, processed or stored by or on behalf of the Customer through the Platform. Customer Data expressly excludes TechManta's software, platform telemetry, usage analytics (where anonymised or aggregated), operational logs and intellectual property.
4.9 "Documentation"
Means all user manuals, implementation guides, API documentation, technical specifications, onboarding material, knowledge-base articles, training resources and related documentation provided by TechManta.
4.10 "End User"
Means any person who interacts with or uses a Customer's implementation, portal, website, mobile application or white-label deployment powered by the Platform, regardless of whether such person has a direct contractual relationship with TechManta.
4.11 "Force Majeure Event"
Means any event beyond the reasonable control of a party including acts of God, natural disasters, epidemics, pandemics, cyberattacks, denial-of- service attacks, power failures, telecommunications failures, internet outages, governmental actions, strikes, war, terrorism, civil unrest, embargoes or failures of cloud infrastructure providers.
4.12 "Intellectual Property Rights"
Means all present and future copyrights, patents, trademarks, service marks, trade dress, domain names, database rights, design rights, moral rights, know-how, trade secrets and all other intellectual property rights recognized under any applicable law, whether registered or unregistered.
4.13 "Platform"
Means the software platform marketed under the brands operated by TechManta, including without limitation Paraglide.pro, associated dashboards, web applications, mobile applications, APIs, cloud services, administration portals, white-label deployments, integrations, documentation and related software services.
4.14 "Personal Data"
Means any information relating to an identified or identifiable natural person as defined under applicable data protection laws, including the Digital Personal Data Protection Act, 2023, and, where applicable, the General Data Protection Regulation (GDPR) or other similar legislation.
4.15 "Services"
Means the software-as-a-service offerings, subscription services, integrations, APIs, hosting, cloud infrastructure, implementation, maintenance, support, updates and other technology services provided by TechManta under this Agreement.
4.16 "Subscription"
Means the commercial plan, licence or service package purchased by the Customer granting access to specified features of the Platform during the applicable subscription term.
4.17 "White-Label Services"
Means any deployment of the Platform permitting the Customer to use the Services under its own branding, domain name, trademarks, colour scheme, logos or other visual identity while the underlying software, hosting, architecture, intellectual property and operational infrastructure remain the exclusive property of TechManta.
Interpretation
Headings are provided solely for convenience and shall not affect the interpretation of this Agreement. Words importing the singular include the plural and vice versa. References to any statute, regulation or law shall include any amendment, replacement or re-enactment thereof from time to time.
5. Grant of License & White-Label Services
Subject to your continued compliance with this Agreement and payment of all applicable subscription fees, TechManta grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence during the applicable Subscription Term to access and use the Platform solely for your internal business operations or, where expressly agreed in writing, for approved white-label deployments.
This licence is granted solely for the duration of your active subscription and does not constitute a sale, assignment or transfer of ownership of the Platform or any Intellectual Property Rights.
White-Label Licence
Where your Subscription includes White-Label Services, TechManta grants you the right to display your own branding, trade name, logos, colour scheme and domain name on designated portions of the Platform.
The White-Label Licence is limited solely to branding and presentation. It does not transfer ownership of the Platform, source code, APIs, databases, software architecture, hosting infrastructure, algorithms, security mechanisms, documentation or any Intellectual Property Rights belonging to TechManta.
Unless expressly agreed in writing, White-Label Services do not include ownership of the software, exclusive licensing rights, source-code escrow, perpetual licences or rights to independently commercialise the underlying Platform.
5.1 Permitted Use
You may use the Platform only for lawful business purposes and strictly within the scope of your purchased Subscription. You may permit access only to your Authorized Users and remain fully responsible for their actions.
5.2 Licence Restrictions
Except as expressly permitted in writing by TechManta, you shall not, and shall not permit any third party to:
- copy, reproduce or duplicate any portion of the Platform;
- reverse engineer, decompile, disassemble or otherwise attempt to discover the source code or underlying architecture;
- modify, adapt, translate or create derivative works of the Platform;
- remove, obscure or alter any copyright, trademark or proprietary notices;
- license, sublicense, lease, rent, assign, distribute or commercially exploit the Platform except as expressly authorised;
- circumvent authentication, licensing controls or technical restrictions;
- attempt to gain unauthorised access to servers, databases or infrastructure;
- probe, scan or test the vulnerability of the Platform without prior written consent;
- introduce malware, ransomware, spyware or malicious code;
- use automated scraping, bots or crawlers except through officially supported APIs;
- use the Platform to develop or train a competing software product;
- benchmark, publish performance testing or disclose confidential technical information without TechManta's prior written consent;
- resell or commercially exploit the Platform beyond the scope of an approved White-Label Agreement;
- use the Platform in violation of any Applicable Laws or regulatory requirements.
No Implied Rights
Except for the limited licence expressly granted under this Agreement, no other rights or licences are granted, whether by implication, estoppel or otherwise.
All rights not expressly granted to the Customer are reserved exclusively by TechManta.
5.3 Ownership of Improvements
All upgrades, enhancements, updates, bug fixes, patches, security improvements, new features, workflows, interfaces, integrations, optimisations and derivative works developed by or for TechManta shall remain the exclusive property of TechManta, regardless of whether such improvements were suggested, requested or funded in whole or in part by a Customer, unless otherwise agreed in a separate written agreement signed by authorised representatives of both parties.
5.4 Customer Feedback
You may voluntarily provide suggestions, ideas, feature requests, enhancement proposals, comments or other feedback regarding the Platform. You grant TechManta a perpetual, irrevocable, worldwide, royalty-free, transferable licence to use, modify, commercialise, incorporate and otherwise exploit such feedback without restriction or obligation to provide compensation or attribution.
5.5 Open Source Components
The Platform may incorporate third-party open-source software licensed under their respective open-source licences. Nothing in this Agreement limits your rights under those applicable licences; however, such components are provided solely under the terms of their respective licences and do not affect TechManta's ownership of its proprietary software.
Reservation of Rights
TechManta retains all worldwide rights, title and interest in and to the Platform, including all software, databases, APIs, documentation, algorithms, artificial intelligence models (where applicable), source code, object code, user interfaces, workflows, trademarks, service marks, trade secrets and all associated Intellectual Property Rights. Nothing in this Agreement shall be construed as transferring ownership of any such rights to the Customer.
6. Customer Responsibilities & Acceptable Use
The Customer acknowledges that the Platform is a configurable Software-as-a-Service solution intended to assist in managing business operations. The Customer remains solely responsible for how the Platform is configured, administered and used by its Authorized Users and End Users.
The Customer agrees to use the Platform responsibly, lawfully and in accordance with this Agreement, all Applicable Laws and generally accepted industry standards.
Customer Responsibilities
The Customer shall, at all times:
- Maintain accurate, complete and up-to-date account information.
- Ensure that all Authorized Users comply with this Agreement.
- Maintain the confidentiality of usernames, passwords, API keys and authentication credentials.
- Promptly notify TechManta of any suspected unauthorized access or security incident.
- Use commercially reasonable efforts to protect all devices used to access the Platform.
- Ensure that all Customer Data uploaded to the Platform is lawful, accurate and does not infringe the rights of any third party.
- Obtain all permissions, licences and lawful consents required to collect, process and upload Customer Data.
- Remain solely responsible for all business decisions made using information generated by the Platform.
6.1 Lawful Use
The Platform shall not be used for any unlawful, fraudulent, deceptive, misleading or abusive purpose. The Customer shall comply with all Applicable Laws, including laws relating to data protection, taxation, consumer protection, intellectual property, anti-corruption, export controls and industry-specific regulations applicable to its business.
6.2 Prohibited Activities
The Customer shall not, directly or indirectly:
- Upload malicious software, ransomware, spyware, worms, viruses or harmful code.
- Attempt to gain unauthorized access to any server, database, API or infrastructure.
- Interfere with the security, integrity, availability or performance of the Platform.
- Circumvent subscription limits, authentication mechanisms or technical restrictions.
- Transmit unlawful, defamatory, obscene, hateful or infringing content.
- Use the Platform for phishing, spam, unsolicited communications or fraudulent activities.
- Use the Platform to violate any person's privacy or intellectual property rights.
- Upload content that infringes copyrights, trademarks, patents or trade secrets.
- Perform automated scraping, crawling or harvesting except through officially documented APIs.
- Conduct penetration testing or vulnerability scanning without TechManta's prior written approval.
- Use excessive system resources in a manner that materially impacts other customers.
- Knowingly submit false, misleading or inaccurate information through the Platform.
- Attempt to bypass billing mechanisms or subscription controls.
- Use the Platform in any manner that could reasonably damage TechManta's reputation or infrastructure.
Zero-Tolerance Policy
TechManta reserves the right to immediately suspend or terminate any account that is reasonably believed to be involved in fraud, unlawful activity, cyberattacks, abuse of the Platform, repeated security violations, intellectual property infringement or any conduct that creates material legal, operational or reputational risk.
Where reasonably practicable, TechManta may provide notice before suspension; however, prior notice shall not be required where immediate action is necessary to protect the Platform, other customers, or comply with Applicable Laws.
6.3 Customer Data Responsibility
The Customer retains sole responsibility for the accuracy, quality, legality, integrity and reliability of all Customer Data submitted to or processed through the Platform.
TechManta does not independently verify Customer Data and shall not be liable for errors, omissions, inaccuracies or decisions made based upon such data.
6.4 Regulatory Compliance
The Customer is solely responsible for ensuring that its use of the Platform complies with all Applicable Laws, licences, permits, professional obligations and regulatory requirements relevant to its industry.
Where the Customer operates in a regulated industry, including but not limited to insurance, financial services, healthcare, education, aviation or government services, the Customer shall remain solely responsible for obtaining and maintaining all registrations, approvals, permissions and licences required by the applicable regulatory authorities.
White-Label Responsibility
Where the Platform is deployed under a White-Label arrangement, the Customer is solely responsible for all content, branding, customer communications, regulatory disclosures, legal notices, terms of use, privacy notices and representations made to End Users through its deployment.
Nothing in a White-Label deployment shall be construed as creating a direct contractual relationship between TechManta and the Customer's End Users unless expressly agreed in writing.
6.5 Audit Logs & Security Monitoring
To protect the integrity, security and availability of the Platform, TechManta may maintain audit logs, authentication records, API logs, error reports, infrastructure metrics and security telemetry relating to use of the Services.
Such logs may be used for system administration, fraud prevention, security monitoring, incident response, legal compliance, service improvement and dispute resolution. TechManta shall process such records in accordance with its Privacy Policy and applicable law.
Good Faith Cooperation
The Customer agrees to cooperate in good faith with TechManta during the investigation of suspected security incidents, abuse, unauthorized access, fraud or regulatory inquiries affecting the Platform.
7. Data Ownership, Privacy & Digital Personal Data Protection
TechManta recognises the importance of protecting Customer Data and Personal Data entrusted to the Platform. The Parties acknowledge that effective data governance is fundamental to maintaining trust, regulatory compliance and the secure operation of the Services.
Except as expressly provided in this Agreement, TechManta does not acquire ownership of Customer Data. The Customer retains all rights, title and interest in and to its Customer Data, subject only to the limited rights granted to TechManta for the purpose of providing the Services.
Ownership of Customer Data
All Customer Data uploaded, created, processed or stored through the Platform shall remain the exclusive property of the Customer or the party lawfully entitled to such data.
Nothing contained in this Agreement transfers ownership of Customer Data, End User information, uploaded documents or business records to TechManta.
7.1 Limited Licence to Process Customer Data
The Customer grants TechManta a limited, non-exclusive, worldwide, royalty-free licence solely to host, store, process, transmit, reproduce, backup and otherwise use Customer Data only to the extent reasonably necessary for:
- providing the subscribed Services;
- maintaining platform functionality;
- processing customer requests;
- providing technical support;
- performing security monitoring;
- maintaining backups and disaster recovery systems;
- complying with legal obligations;
- preventing fraud and abuse;
- improving platform reliability through aggregated and anonymised analytics.
This licence automatically terminates upon deletion of Customer Data, except to the extent retention is required by Applicable Laws, contractual obligations, disaster recovery requirements or legitimate security purposes.
7.2 Customer Responsibilities for Personal Data
The Customer represents and warrants that it has obtained all lawful permissions, notices, authorisations and consents required under Applicable Laws before collecting, uploading or processing any Personal Data through the Platform.
Where the Customer acts as a Data Fiduciary, Data Controller or similar legal role under applicable privacy legislation, the Customer remains solely responsible for determining the purposes and means of processing Personal Data.
7.3 Digital Personal Data Protection Act, 2023
The Parties acknowledge that the processing of Digital Personal Data shall be subject to the provisions of the Digital Personal Data Protection Act, 2023 ("DPDP Act"), together with any rules, notifications or amendments issued thereunder.
Each Party shall comply with those obligations imposed upon it under the DPDP Act according to its respective legal role and responsibilities. Nothing in this Agreement shall be interpreted as transferring statutory obligations from one Party to the other unless expressly agreed in writing.
Security Commitment
TechManta implements commercially reasonable administrative, technical and organisational safeguards designed to protect Customer Data against unauthorised access, accidental disclosure, unlawful destruction, alteration or loss.
Such safeguards may include encryption where appropriate, access controls, authentication mechanisms, audit logging, infrastructure monitoring, secure software development practices, periodic security updates and disaster recovery procedures.
While TechManta maintains commercially reasonable security measures, no internet-connected service or electronic transmission can be guaranteed to be completely secure. Accordingly, TechManta does not warrant that the Platform will be immune from all cybersecurity threats, unauthorised access or data breaches.
7.4 Data Retention
Customer Data shall be retained only for as long as reasonably necessary to provide the Services, comply with Applicable Laws, resolve disputes, maintain security, enforce contractual rights or satisfy legitimate business purposes.
Following termination of the Subscription, TechManta may retain backup copies for a limited period in accordance with disaster recovery, business continuity and legal compliance requirements.
7.5 Data Deletion
Upon receipt of a verified account deletion request, TechManta shall, within a commercially reasonable period, delete or anonymise Customer Data that is no longer required for legal, regulatory, taxation, security, fraud prevention, backup integrity or dispute resolution purposes.
The Customer acknowledges that deletion from active production systems may occur before deletion from encrypted backups maintained solely for business continuity and disaster recovery purposes.
Cross-Border Processing
The Platform may utilise globally distributed cloud infrastructure, content delivery networks, security services or subprocessors. Accordingly, Customer Data may be processed in jurisdictions outside the Customer's country of residence where permitted by Applicable Laws and subject to appropriate contractual, organisational or technical safeguards.
7.6 Aggregated & Anonymised Analytics
Nothing in this Agreement restricts TechManta from generating, maintaining or using anonymised, aggregated or de-identified usage statistics that do not identify the Customer, any End User or any natural person. Such information may be used for analytics, service improvements, benchmarking, research, security monitoring and business operations.
Privacy Policy
The Customer acknowledges that TechManta's Privacy Policy forms an integral part of this Agreement and should be read together with these Terms. In the event of any inconsistency between this Agreement and the Privacy Policy regarding contractual rights and obligations, this Agreement shall prevail except where Applicable Laws require otherwise.
8. Confidentiality
Both Parties acknowledge that, during the course of this Agreement, either Party may disclose Confidential Information to the other. Each Party agrees to protect such Confidential Information with the same degree of care it applies to its own confidential information, and in no event less than a reasonable standard of care.
8.1 Confidential Information
Confidential Information includes, without limitation:
- software architecture and source code;
- algorithms and business logic;
- APIs and integration methods;
- technical documentation;
- security procedures;
- customer information;
- pricing and commercial terms;
- business plans and financial information;
- product roadmaps;
- trade secrets and proprietary know-how;
- non-public technical, commercial or operational information.
8.2 Confidentiality Obligations
Each Party agrees that it shall:
- use Confidential Information solely for purposes of this Agreement;
- not disclose Confidential Information except to employees, contractors or advisers who have a legitimate need to know and who are bound by confidentiality obligations;
- implement reasonable administrative, technical and organisational safeguards to protect Confidential Information;
- promptly notify the disclosing Party upon becoming aware of any unauthorised disclosure or misuse.
8.3 Exclusions
Confidential Information does not include information that:
- is or becomes publicly available through no fault of the receiving Party;
- was lawfully known to the receiving Party before disclosure;
- is independently developed without use of the disclosed Confidential Information;
- is lawfully obtained from an independent third party without breach of any confidentiality obligation.
8.4 Compelled Disclosure
Where disclosure of Confidential Information is required by law, regulation, court order or governmental authority, the receiving Party may disclose only that portion legally required, provided it gives prompt prior notice to the disclosing Party (unless prohibited by law) and reasonably cooperates in seeking confidential treatment.
Survival of Confidentiality
The confidentiality obligations contained in this Section shall survive termination or expiration of this Agreement for a period of five (5) years, or for so long as the information qualifies as a trade secret under Applicable Law, whichever is longer.
9. Intellectual Property Rights
The Platform is protected by copyright, trademark, trade secret, database rights and other intellectual property laws. Except for the limited licence expressly granted under this Agreement, all Intellectual Property Rights remain exclusively owned by TechManta.
Ownership
TechManta retains exclusive ownership of:
- all software and source code;
- object code and compiled binaries;
- algorithms and workflows;
- artificial intelligence models (where applicable);
- machine learning systems;
- APIs and SDKs;
- databases and schemas;
- documentation;
- designs and user interfaces;
- logos, trademarks and branding;
- cloud infrastructure and deployment systems;
- future enhancements, upgrades and derivative works.
9.1 Customer Intellectual Property
Nothing in this Agreement transfers ownership of the Customer's trademarks, branding, logos, copyrighted material or Customer Data. Each Party retains ownership of its respective Intellectual Property Rights.
9.2 White-Label Branding
Where White-Label Services are provided, the Customer retains ownership of its branding, logos and trade names displayed on the Platform. However, the underlying software, hosting environment, source code, databases, APIs, workflows and infrastructure remain the exclusive property of TechManta.
9.3 No Transfer of Ownership
Payment of subscription fees, implementation fees, development charges, customisation fees or support fees shall not transfer ownership of the Platform or any Intellectual Property Rights unless expressly provided under a separately executed written assignment agreement signed by authorised representatives of TechManta.
9.4 Customer Content
The Customer represents and warrants that it owns or possesses all necessary rights, licences and permissions to upload, process and use all Customer Content submitted through the Platform.
The Customer agrees to indemnify and hold harmless TechManta against any third-party claim alleging that Customer Content infringes intellectual property rights, privacy rights or other legal rights.
9.5 Trademark Usage
Neither Party may use the other Party's trademarks, service marks, trade names or logos without prior written consent, except where strictly necessary to perform this Agreement or where expressly permitted under a separate marketing or partnership agreement.
Protection of Proprietary Technology
The Customer acknowledges that the Platform incorporates valuable trade secrets and proprietary technologies developed through substantial investment by TechManta. Any unauthorised copying, reverse engineering, commercial exploitation or misuse of the Platform may cause irreparable harm for which monetary damages alone may be inadequate. TechManta shall be entitled to seek injunctive relief, specific performance and any other remedies available under Applicable Law, in addition to monetary damages.
10. Subscription Fees, Billing, Taxes & Payment Terms
Access to the Platform is provided on a subscription basis unless otherwise agreed in writing between the Parties. The Customer agrees to pay all applicable Subscription Fees, implementation charges, customisation fees, onboarding fees, support fees and any other charges specified in the applicable Order Form, Quotation, Invoice or Pricing Schedule.
All fees are payable in advance unless otherwise expressly agreed in writing.
Commercial Terms
- Subscription fees are based upon the selected plan.
- Additional modules, API integrations or premium services may incur separate charges.
- Professional services shall be billed separately unless expressly included.
- Custom software development is outside the standard Subscription unless specifically agreed.
- White-label deployments may attract additional implementation and maintenance charges.
10.1 Taxes
Unless expressly stated otherwise, all prices are exclusive of applicable taxes, including Goods and Services Tax (GST), withholding taxes, customs duties or similar governmental levies.
The Customer shall be responsible for payment of all applicable taxes arising from its purchase or use of the Services, excluding taxes based solely upon TechManta's income.
10.2 Payment Methods
Payments may be made using payment gateways, bank transfers, UPI, credit cards, debit cards, recurring mandates or any other payment method approved by TechManta.
The Customer authorises TechManta and its authorised payment processors to collect payments using the selected payment method.
10.3 Late Payments
Failure to pay any undisputed invoice by its due date constitutes a material breach of this Agreement.
Without prejudice to any other rights available under Applicable Law, TechManta may suspend access to the Platform until all outstanding amounts have been paid in full.
TechManta reserves the right to charge interest on overdue amounts at the lower of:
- 1.5% per month;
- or the maximum rate permitted under Applicable Law.
10.4 Pricing Changes
TechManta reserves the right to revise Subscription Fees at any time. Price changes shall not affect the then-current billing cycle and shall become effective upon renewal or after at least thirty (30) days' advance notice unless otherwise agreed in writing.
10.5 Non-Payment
Where payment remains outstanding, TechManta may, without liability:
- suspend Services;
- disable API access;
- disable white-label deployments;
- suspend user accounts;
- withhold technical support;
- commence debt recovery proceedings.
Chargebacks
The Customer agrees not to initiate payment reversals, chargebacks or payment disputes without first providing TechManta a reasonable opportunity to investigate and resolve the issue in good faith. Improper chargebacks may result in immediate suspension of Services.
11. Insurance Integrations, Regulatory Status & Strict IRDAI Compliance
Certain features of the Platform may permit Customers to integrate with, connect to, redirect users to, or technically interact with licensed third-party insurance providers, brokers, intermediaries or insurance technology partners through APIs, hyperlinks, embedded widgets or other integration mechanisms ("Insurance Integrations").
These integrations are provided solely as optional technology features for interoperability and operational convenience. Nothing contained in this Agreement or within the Platform shall be interpreted as creating, granting or implying that TechManta performs regulated insurance activities or assumes any statutory obligations imposed upon insurance companies or insurance intermediaries under Applicable Laws.
Technology Provider Only
TechManta Solutions Private Limited develops and licenses software technology only.
TechManta is a Software-as-a-Service (SaaS) provider and technology infrastructure company. Unless expressly licensed by the relevant regulatory authority, TechManta does not represent itself to be, and nothing within the Platform shall be construed as TechManta acting as, an insurer, insurance intermediary, insurance broker, corporate agent, insurance marketing firm (IMF), point of sale person (POSP), third-party administrator (TPA), insurance web aggregator or any other regulated insurance entity under the Insurance Act, 1938, the Insurance Regulatory and Development Authority Act, 1999, applicable IRDAI regulations, or other Applicable Laws.
11.1 No Solicitation or Insurance Advice
TechManta does not solicit, recommend, endorse, compare, rank, advise, market or influence the purchase of any insurance policy.
Any insurance product information displayed through the Platform is provided by the relevant insurer or authorised intermediary and is made available solely through technical integration.
Nothing appearing on the Platform constitutes financial advice, insurance advice, investment advice, legal advice or a recommendation to purchase, renew or reject any insurance product.
No Underwriting or Claims Handling
TechManta does not:
- underwrite insurance risks;
- assess insurability;
- calculate premiums;
- issue insurance policies;
- modify policy terms;
- collect insurance premiums on behalf of insurers unless expressly authorised under Applicable Law;
- settle or administer insurance claims;
- investigate claims;
- approve or reject claims;
- determine policy coverage;
- provide actuarial services;
- exercise discretion on behalf of any insurer.
11.2 API Pass-Through Services
Insurance Integrations operate as technology pass-through services. Where an End User elects to obtain insurance, the Platform may securely transmit selected information to the relevant licensed insurance provider or intermediary solely for the purpose of facilitating that transaction.
The availability of an API, hyperlink, integration, insurer logo, product description or digital workflow shall not constitute:
- a recommendation;
- an endorsement;
- a certification of quality;
- a guarantee of coverage;
- a guarantee that any policy will be issued;
- a guarantee that any claim will be accepted.
11.3 No Commission or Brokerage
Except where expressly permitted by Applicable Law and documented in a separate written agreement, TechManta does not receive insurance brokerage, commissions, referral fees, premium sharing, underwriting income or claims-based remuneration arising from the sale of insurance products.
Amounts paid to TechManta relate solely to software licensing, subscription services, implementation, cloud infrastructure, API usage, technical support, maintenance, SMS/OTP services, hosting or other technology services.
11.4 Customer Regulatory Responsibilities
Where the Customer operates within the insurance sector or offers insurance-related services through the Platform, the Customer represents and warrants that it has obtained and shall maintain all registrations, licences, approvals, permissions and authorisations required by Applicable Laws and the relevant regulatory authorities.
The Customer is solely responsible for ensuring that its use of the Platform complies with all applicable insurance laws, consumer protection laws, advertising standards, disclosure requirements, privacy laws and regulatory obligations.
No Agency Relationship
Nothing contained in this Agreement shall create any agency, partnership, fiduciary relationship, employment relationship, joint venture or representative capacity between TechManta and any insurer, broker, intermediary, Customer or End User.
TechManta acts solely as an independent technology service provider.
11.5 Insurance Disputes
Any dispute concerning policy issuance, policy wording, premium calculation, policy cancellation, endorsements, renewals, claims, coverage, exclusions, settlements, refunds or insurer decisions shall exist solely between the relevant insurer (or authorised intermediary) and the applicable policyholder.
TechManta shall not be responsible for resolving insurance disputes and shall not be required to participate in any claim, complaint, arbitration or legal proceeding relating to an insurance contract, except where required by Applicable Law.
11.6 Customer Indemnity
The Customer agrees to defend, indemnify and hold harmless TechManta, its directors, officers, employees and affiliates from and against any claims, investigations, regulatory proceedings, penalties, losses, liabilities, damages, costs or expenses (including reasonable legal fees) arising out of or relating to:
- the Customer's violation of insurance laws or regulations;
- the Customer's unauthorised offering or marketing of insurance products;
- false or misleading insurance representations made by the Customer;
- the Customer's failure to obtain required licences or approvals;
- the Customer's misuse of Insurance Integrations or APIs.
Important Regulatory Clarification
The Customer expressly acknowledges and agrees that TechManta provides technology infrastructure only. TechManta is not a party to any insurance contract between an insurer and a policyholder, does not guarantee the availability or suitability of any insurance product and assumes no responsibility or liability for insurance underwriting, premium determination, policy issuance, regulatory compliance by licensed insurance entities, claim adjudication, claim settlement or other regulated insurance activities.
To the maximum extent permitted by Applicable Law, the Customer agrees that TechManta shall not be named as a necessary or proper party in any dispute arising solely out of an insurance contract between an End User and a licensed insurer or intermediary, except where TechManta's own independent acts or omissions are alleged to have directly caused the claimed loss.
12. Service Availability, Maintenance & Technical Support
TechManta shall use commercially reasonable efforts to provide reliable, secure and continuous access to the Platform. However, the Customer acknowledges that the Platform is delivered over the Internet and relies upon third-party infrastructure, telecommunications providers, cloud service providers and other dependencies that are outside TechManta's reasonable control.
Accordingly, uninterrupted, error-free or continuous availability of the Platform cannot be guaranteed.
Maintenance Windows
TechManta may perform scheduled or emergency maintenance to improve the security, stability or performance of the Platform.
Where reasonably practicable, advance notice of scheduled maintenance shall be provided through the Platform, email or other appropriate communication channels.
Emergency maintenance may be performed without prior notice where necessary to address security vulnerabilities, infrastructure failures, cybersecurity threats or legal compliance requirements.
12.1 Technical Support
Technical support shall be provided in accordance with the Customer's Subscription plan and any applicable support package purchased by the Customer.
Support obligations do not include custom software development, third-party integrations not supplied by TechManta, issues arising from Customer modifications, unsupported browsers or devices, internet connectivity problems or failures of third-party services.
12.2 Updates & Enhancements
TechManta may deploy updates, security patches, bug fixes, performance improvements, feature enhancements or infrastructure upgrades at its discretion.
Such updates may modify the appearance, functionality or operation of the Platform, provided that they do not materially reduce the core functionality of the subscribed Services.
12.3 Third-Party Dependencies
The Platform may depend upon third-party services including cloud hosting providers, domain registrars, payment gateways, SMS providers, email providers, mapping services, authentication providers, artificial intelligence services and external APIs.
TechManta shall not be responsible for interruptions, delays or failures caused by such third-party services where such failures are beyond TechManta's reasonable control.
Beta Features
From time to time, TechManta may make beta, preview, experimental or early-access features available to Customers. Such features are provided "AS IS" for evaluation purposes, may be modified or withdrawn at any time and are excluded from any service commitments or warranties unless otherwise agreed in writing.
13. Warranties & Disclaimers
Except as expressly stated in this Agreement, the Platform and all related Services are provided on an "AS IS", "AS AVAILABLE" and "WITH ALL FAULTS" basis to the maximum extent permitted by Applicable Law.
TechManta does not warrant that the Platform will:
- operate without interruption;
- be error-free or bug-free;
- meet every Customer requirement;
- operate with every third-party application;
- be immune from cyberattacks or security incidents;
- prevent all data loss;
- be available at all times.
13.1 No Professional Advice
The Platform provides technology tools only and does not provide legal, financial, accounting, taxation, insurance, aviation, regulatory, medical or other professional advice.
Customers remain solely responsible for obtaining appropriate professional advice before relying upon information generated through the Platform.
13.2 Customer Decisions
All commercial, operational, regulatory and business decisions made by the Customer remain solely the Customer's responsibility.
TechManta shall not be liable for losses arising from decisions made in reliance upon reports, dashboards, analytics, notifications or other outputs generated by the Platform.
13.3 Third-Party Services Disclaimer
The Platform may integrate with or provide access to third-party services, software, APIs, payment gateways, insurance providers, communication providers or cloud infrastructure. TechManta does not own or control such third-party services and makes no warranties regarding their availability, accuracy, security or performance.
Disclaimer of Implied Warranties
To the maximum extent permitted by Applicable Law, TechManta disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted use, satisfactory quality and compatibility.
Nothing in this Agreement excludes or limits any warranty or consumer right that cannot lawfully be excluded under Applicable Law.
14. Limitation of Liability
To the maximum extent permitted by Applicable Law, TechManta's total aggregate liability arising out of or relating to this Agreement, whether in contract, tort (including negligence), statute or otherwise, shall not exceed the total Subscription Fees actually paid by the Customer to TechManta during the twelve (12) months immediately preceding the event giving rise to the claim.
Exclusion of Indirect Damages
To the fullest extent permitted by Applicable Law, TechManta shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages, including but not limited to:
- loss of profits;
- loss of revenue;
- loss of business opportunities;
- loss of goodwill;
- loss of anticipated savings;
- loss or corruption of data not caused by TechManta's breach of this Agreement;
- business interruption;
- reputational damage;
- cost of substitute services.
14.1 Exceptions
Nothing in this Agreement shall exclude or limit liability to the extent that such exclusion or limitation is prohibited under Applicable Law, including liability arising from:
- fraud or fraudulent misrepresentation;
- wilful misconduct;
- death or personal injury caused by negligence where such liability cannot legally be excluded;
- any other liability that cannot lawfully be limited or excluded.
14.2 Mitigation
Each Party shall take commercially reasonable steps to mitigate any loss or damage arising from a breach of this Agreement.
14.3 Time Limitation
No claim arising out of or relating to this Agreement may be brought more than two (2) years after the cause of action first arose, except where a longer limitation period is required under Applicable Law.
Commercial Allocation of Risk
The Parties acknowledge that the pricing of the Services reflects the allocation of risk set out in this Agreement and that the limitations of liability contained herein form an essential basis of the commercial bargain between the Parties.
15. Suspension, Termination & Account Closure
This Agreement shall remain in force until terminated by either Party in accordance with these Terms.
Termination of this Agreement shall not affect any rights, obligations or liabilities accrued prior to the effective date of termination.
Termination by Customer
The Customer may terminate its Subscription at any time by submitting a written account closure request through the designated customer portal or official support channels.
Upon verification of the request, TechManta shall commence the account closure process. Customer access shall cease upon expiration of the applicable Subscription Term unless otherwise agreed in writing.
Termination shall not entitle the Customer to any refund, reimbursement, credit or repayment of Subscription Fees, onboarding fees, implementation charges, customisation fees or other amounts already paid, except where such refund is expressly required by Applicable Law.
15.1 Suspension by TechManta
TechManta may suspend access to all or part of the Platform immediately, with or without prior notice, where it reasonably believes that:
- the Customer has materially breached this Agreement;
- Subscription Fees remain unpaid beyond the applicable due date;
- continued access creates a cybersecurity risk;
- fraudulent or unlawful activity is suspected;
- continued operation may expose TechManta or other customers to legal or operational risk;
- suspension is required to comply with Applicable Law or a lawful governmental order.
15.2 Termination for Cause
Either Party may terminate this Agreement immediately by written notice if the other Party:
- commits a material breach that remains uncured for thirty (30) days after receiving written notice (where the breach is capable of cure);
- becomes insolvent or enters liquidation, bankruptcy or similar proceedings;
- ceases carrying on business in the ordinary course.
15.3 Effect of Termination
- All licences granted under this Agreement shall immediately terminate.
- The Customer shall immediately cease using the Platform.
- API credentials may be revoked.
- White-label deployments may be disabled.
- Outstanding invoices shall become immediately due and payable.
- Customer Data shall be handled in accordance with Section 7 (Data Ownership, Privacy & Digital Personal Data Protection).
Data Export
Where technically feasible and subject to the Customer's payment of all undisputed outstanding amounts, TechManta may provide a reasonable opportunity for the Customer to export its Customer Data before permanent deletion.
16. Indemnification
The Customer agrees to defend, indemnify and hold harmless TechManta, its directors, officers, employees, shareholders, contractors, consultants, affiliates and licensors from and against all claims, demands, proceedings, liabilities, damages, penalties, losses, judgments, settlements, costs and expenses (including reasonable legal fees) arising out of or relating to:
- the Customer's breach of this Agreement;
- Customer Data;
- Customer Content;
- violation of Applicable Laws;
- infringement of third-party Intellectual Property Rights;
- misuse of the Platform;
- regulatory investigations arising from the Customer's activities;
- claims brought by the Customer's End Users.
TechManta shall promptly notify the Customer of any indemnified claim and shall reasonably cooperate with the Customer in its defence, at the Customer's expense.
17. Force Majeure
Neither Party shall be liable for any delay or failure to perform its obligations under this Agreement to the extent such delay or failure is caused by a Force Majeure Event beyond its reasonable control.
Force Majeure Events include, without limitation:
- natural disasters;
- acts of God;
- earthquakes, floods or fires;
- war, terrorism or civil unrest;
- government restrictions;
- internet outages;
- telecommunications failures;
- cloud infrastructure failures;
- cyberattacks;
- pandemics and epidemics;
- strikes and labour disputes.
The affected Party shall use commercially reasonable efforts to resume performance as soon as reasonably practicable.
18. Governing Law, Arbitration & Jurisdiction
This Agreement shall be governed by and construed in accordance with the laws of the Republic of India, without regard to conflict of laws principles.
Good Faith Resolution
Before commencing arbitration or court proceedings, the Parties shall make a good faith effort to resolve any dispute through negotiations between authorised representatives for a period of at least thirty (30) days after written notice of the dispute.
18.1 Arbitration
Any dispute, controversy or claim arising out of or relating to this Agreement that cannot be resolved through good faith negotiations shall be finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time.
- The seat and venue of arbitration shall be Bengaluru, Karnataka, India.
- The arbitration shall be conducted in the English language.
- The arbitral tribunal shall consist of a sole arbitrator mutually appointed by the Parties, failing which the appointment shall be made in accordance with applicable law.
- The arbitral award shall be final and binding upon both Parties.
Exclusive Jurisdiction
Subject to the arbitration provisions above, the courts situated at Bengaluru, Karnataka shall have exclusive jurisdiction over all matters relating to this Agreement, including applications for interim relief, appointment of arbitrators, enforcement or challenge of arbitral awards, and any proceedings that are not legally capable of being resolved through arbitration.
19. Miscellaneous
19.1 Entire Agreement
This Agreement, together with any Order Forms, Statements of Work, Privacy Policy, Data Processing Addendum, Service Level Agreement and other documents expressly incorporated by reference, constitutes the entire agreement between the Parties and supersedes all prior understandings relating to the Services.
19.2 Assignment
The Customer may not assign or transfer this Agreement without the prior written consent of TechManta.
TechManta may assign or transfer this Agreement, in whole or in part, including in connection with a merger, acquisition, corporate reorganisation or sale of substantially all of its assets, upon written notice to the Customer.
19.3 Severability
If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
19.4 Waiver
Failure by either Party to enforce any provision of this Agreement shall not constitute a waiver of that provision or any other provision.
19.5 Electronic Communications
The Customer consents to receive notices, disclosures, invoices, security alerts and other communications electronically through email, the Platform or other electronic means. Such communications shall satisfy any legal requirement that they be in writing.
19.6 Survival
The provisions relating to intellectual property, confidentiality, privacy, indemnification, limitation of liability, dispute resolution, payment obligations and any other provisions that by their nature are intended to survive shall survive the termination or expiration of this Agreement.
Contact Information
Questions regarding this Agreement or requests for account closure, privacy enquiries or legal notices should be directed to TechManta Solutions Private Limited using the contact details published on the Platform or through the designated legal contact email address.
20. Artificial Intelligence, Automation & Machine Learning Services
Certain features of the Platform may utilise artificial intelligence ("AI"), machine learning models, large language models (LLMs), predictive analytics, automated workflows or similar technologies to assist Customers in generating recommendations, documents, summaries, reports, notifications or operational insights.
Such functionality is intended solely to assist Customers and shall not be interpreted as replacing professional judgement or independent decision-making.
AI Output Disclaimer
AI-generated outputs may contain inaccuracies, omissions, outdated information or unintended results. The Customer remains solely responsible for reviewing, validating and approving all AI-generated content before relying upon or distributing such content.
TechManta makes no representation or warranty regarding the accuracy, completeness, legality or suitability of AI-generated outputs.
20.1 Customer Responsibility
- verify all AI-generated information;
- exercise independent professional judgement;
- obtain legal, insurance, financial or aviation advice where appropriate;
- ensure compliance with Applicable Laws before acting upon AI-generated recommendations.
TechManta shall not be liable for any loss arising from reliance upon AI-generated outputs.
21. Adventure Sports, Aviation & DGCA Compliance
The Platform may be used by businesses involved in paragliding, paramotoring, hang gliding, skydiving, adventure tourism or other aviation-related recreational activities.
TechManta provides software infrastructure only and does not organise, operate, supervise, certify or control any aviation or adventure sports activity.
Operator Responsibility
Each Customer remains solely responsible for:
- pilot qualifications;
- DGCA compliance where applicable;
- airworthiness of equipment;
- maintenance records;
- weather assessments;
- flight planning;
- passenger safety;
- waivers and consent forms;
- local aviation permissions;
- adventure activity licences;
- emergency response procedures;
- insurance obligations.
Nothing contained within the Platform shall be interpreted as approval, certification or authorisation of any flight, instructor, operator, equipment or adventure activity.
22. Cybersecurity, Responsible Disclosure & Incident Response
TechManta maintains commercially reasonable technical and organisational security measures designed to protect the confidentiality, integrity and availability of the Platform.
22.1 Responsible Disclosure
Customers, security researchers and third parties discovering suspected security vulnerabilities are encouraged to report them responsibly to TechManta through the designated security contact before making any public disclosure.
TechManta shall investigate reported vulnerabilities in good faith and may acknowledge contributors where appropriate.
22.2 Prohibited Security Testing
Except where expressly authorised in writing, Customers shall not conduct penetration testing, denial-of-service attacks, vulnerability scanning or other security testing against the Platform.
Security Incidents
Where TechManta becomes aware of a material security incident affecting Customer Data, TechManta shall use commercially reasonable efforts to notify affected Customers within a reasonable time after confirmation of the incident, subject to legal, forensic and law enforcement requirements.
23. Export Controls, Sanctions & International Use
The Customer represents that it is not subject to any applicable trade sanctions or export restrictions that would prohibit its lawful use of the Platform.
The Customer shall not use the Platform in violation of applicable export control laws, sanctions laws or trade restrictions of any jurisdiction applicable to the Customer or TechManta.
The Customer further agrees not to use the Platform for unlawful military, weapons proliferation, terrorist financing, money laundering or other prohibited purposes.
24. Publicity, Customer References & Marketing
Unless the Customer expressly opts out in writing, TechManta may include the Customer's name and logo in its customer lists, case studies, investor presentations, sales materials or website solely for the purpose of identifying the Customer as a user of the Platform.
TechManta shall not disclose Confidential Information or commercially sensitive information while exercising this right.
Either Party may revoke this permission by providing written notice, following which TechManta shall cease new marketing use within a commercially reasonable period.
25. Acceptable Use Policy (Incorporated by Reference)
The Customer agrees to comply with TechManta's Acceptable Use Policy ("AUP"), as amended from time to time, which forms an integral part of this Agreement.
Without limitation, the Customer shall not use the Platform to:
- commit fraud or financial crimes;
- distribute malware or malicious software;
- host illegal content;
- infringe intellectual property rights;
- transmit unlawful, abusive or defamatory material;
- engage in phishing, spam or deceptive communications;
- harass, threaten or abuse individuals;
- circumvent Platform security controls;
- interfere with the operation of the Platform;
- use the Platform for any purpose prohibited by Applicable Law.
Violation of the Acceptable Use Policy
Violation of this Section may result in immediate suspension or termination of Services without prejudice to any other contractual or legal remedies available to TechManta.