Saarthi Terms of Service

1. Acceptance of Terms

By accessing and using Saarthi ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Saarthi is an organizational tool designed to help families document and manage information about their assets and beneficiaries. The Service provides a digital platform for recording estate planning information for personal reference and family clarity.

3. User Accounts and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate and complete information when creating your account
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access to your account
• Be responsible for all activity conducted through your account

4. Digital Signatures

Our digital signature feature allows beneficiaries to acknowledge receipt and review of asset designation information. These signatures are intended for record-keeping and family communication purposes only.

5. Data Privacy and Security

We take the security of your information seriously:

• All data is encrypted in transit (TLS) and at rest (AES-256)
• Digital credentials (passwords, PINs, access notes) are additionally encrypted with a per-record key derived using HKDF-SHA256 before storage, so they are not readable in the database. The digital access vault is the intended place to record such secrets
• Every asset and beneficiary carries a privacy tier that controls what each family member can see
• You are responsible for maintaining backup copies of important information
• No method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security

For more details on how we handle your data, please review our Privacy Policy.

6. Subscription and Payments

Some features of the Service may require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees for your selected subscription tier
• Provide accurate and complete payment information
• Subscription fees are charged in advance and are non-refundable
• You may cancel your subscription at any time through your account settings
• Upon cancellation, you will retain access until the end of your billing period

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Upload malicious code or harmful content
• Attempt to gain unauthorized access to the Service or other users' accounts
• Use the Service for any fraudulent or illegal purpose
• Reverse engineer or attempt to extract source code from the Service

8. Intellectual Property

The Service, including all content, features, and functionality, is owned by Saarthi and is protected by copyright, trademark, and other intellectual property laws. You retain ownership of the data and information you input into the Service.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAARTHI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Saarthi is provided "as is" without warranties of any kind, either express or implied.

10. Indemnification

You agree to indemnify and hold harmless Saarthi from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms. You may terminate your account at any time through your account settings. Upon termination, your right to use the Service will immediately cease.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or through the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles. The courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service.

14. Contact Information

For questions about these Terms of Service, contact us at support@saarthi.me.