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Website translation: coming soon.

Terms of Service

Narad — Your Spiritual Companion

Version: 1.0 Effective Date: [PLACEHOLDER — to be set at public launch] Last Updated: [PLACEHOLDER — to be set at public launch]

1. Acceptance of Terms

By downloading, installing, accessing, or using the Narad mobile application ("App") or the Narad website at asknarad.com ("Website" and, together with the App, the "Service"), you agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not download, install, access, or use the Service.

These Terms form a legally binding agreement between you ("User," "you," or "your") and [PLACEHOLDER — at launch this reads: "Abhishek, an individual developer based in Hyderabad, Telangana, India"; on incorporation this reads: "Narad Private Limited, a company incorporated under the Companies Act, 2013, with registered office at the address set out in §18 below"] ("Narad," "we," "us," or "our").

1.1 Age and Capacity

You must be at least 18 years of age to create a Narad account, make a booking, or enter into any other contract with Narad through the Service. By creating an account, you represent that you are 18 or older and have the legal capacity to enter into binding contracts under the Indian Contract Act, 1872 §11.

Users aged 13 to 17 may install the App and browse general spiritual content (panchang, festival information, devotional content) in a view-only mode, but only with verifiable consent of a parent or legal guardian as required by the Digital Personal Data Protection Act, 2023 ("DPDPA") §9. The mechanism for capturing verifiable parental consent is set out in our Privacy Policy. Users under 13 are not supported and should not use the Service.

1.2 Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of India, including but not limited to:

1.3 Users Outside India

The Service is operated from India and intended primarily for Indian users and members of the Indian diaspora. By using the Service from any jurisdiction outside India, you (a) consent to be bound by these Terms under Indian law, (b) consent to the dispute-resolution mechanism set out in §13 below (Hyderabad arbitration seat; Hyderabad courts for matters outside arbitration), and (c) acknowledge that all transactions are denominated in Indian Rupees (INR) with any foreign-exchange conversion handled by the payment gateway at the time of payment. We do not warrant that the Service complies with the laws of any jurisdiction other than India; if your use of the Service from outside India violates local law, you must stop using the Service.

2. Description of Service

Narad is a Hindu spiritual companion application that consolidates fragmented spiritual services and content into a personalized platform. The Service includes the following features at launch:

2.1 Regional and Sectarian Content Variation

Panchang calculations, festival dates, ritual content, puja step sequences, samagri lists, story narratives, and other spiritual content are personalized by your selected sampraday, region, and observance level. Variation in content between users is by design and reflects the genuine pluralism of Hindu tradition. Such variation does not constitute endorsement, ranking, or preference by Narad of one sect, region, or tradition over another.

2.2 Features Not Currently Offered

The Service does not currently include an online store for physical products or a travel booking facility. If and when those features launch, we will publish a separate amendment to these Terms with at least 15 days' notice per §16 below.

3. User Accounts

3.1 Registration

To access most features of the Service, you must create an account. Account creation is via Google Sign-In on Android and Google Sign-In or Sign in with Apple on iOS. By creating an account, you agree to:

3.2 Account Security

You are responsible for all activity that occurs under your account. You agree to:

3.3 Account Suspension and Termination

Narad may suspend or terminate your account for material violation of these Terms (including without limitation §4 Acceptable Use, §5.5 User Responsibilities, or §5.6 Safety Protocol). The procedure is as follows:

(a) Notice. We will deliver written notice of the suspension or termination via in-app notification and the email address associated with your account, stating the reason and the date the action takes effect. For violations involving payment fraud, harassment, or immediate safety risk, the action takes effect immediately on notice; for other violations, the action takes effect 48 hours after notice.

(b) Appeal Window. You have 30 days from the effective date to appeal the action by writing to our Grievance Officer at the address set out in §18 below. Your appeal should set out the grounds on which you dispute the action and any supporting evidence.

(c) Grievance Officer Review. The Grievance Officer will acknowledge your appeal within 24 hours of receipt and issue a written decision within 15 days, per the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 Rule 3(2). The Grievance Officer's decision is final for purposes of internal review and does not prejudice your right to file a complaint with the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or to pursue arbitration under §13 below.

(d) Reinstatement. If the Grievance Officer upholds your appeal, your account will be reinstated within 5 business days and any pending refunds processed.

(e) Effect on Bookings. Suspension or termination of your account does not relieve you of payment obligations for completed bookings or of Narad's refund obligations under §5.3 for cancelled bookings. Pending bookings at the time of action will be cancelled per the Cancellation Policy referenced in §5.3.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

Violation of these Acceptable Use rules may result in immediate suspension or termination per §3.3.

5. Pandit Booking Terms

5.1 Booking Modes Defined

The Service offers four pandit-booking delivery modes. Narad's role and posture differ by mode, reflecting the realistic level of service control Narad exercises in each:

(a) Online (video-call pandit). You select a puja and time; a verified pandit (an independent contractor onboarded under the Pandit Partner Agreement) joins a video call at the scheduled time and conducts the puja. Narad provides the booking platform, payment processing, video infrastructure, and dispute-resolution coordination. The contract for the religious service itself is between you and the pandit. Narad is not the service provider for the puja; the pandit is.

(b) Home (pandit at user's residence). You select a puja, time, and address; a verified pandit travels to your home and conducts the puja in person. Narad provides the booking platform, payment processing, pandit matching, and dispute-resolution coordination. The contract for the religious service itself is between you and the pandit. Narad is not the service provider for the puja; the pandit is.

(c) Mandir Proxy (Narad-affiliated pandit performs puja at a temple on your behalf). You select a puja and a temple; a verified pandit affiliated with Narad performs the puja at the temple on your behalf, typically including correct rituals, name pronunciation per your specification, and dispatch of prasad to your delivery address. You are not physically present at the temple. Narad is the service provider for this mode. Narad accepts contractual responsibility for the correct execution of the booked puja, including ritual correctness, name pronunciation accuracy, timing, and prasad dispatch. The pandit performing the puja is Narad's independent-contractor delivery partner under the Pandit Partner Agreement. The temple is not a party to your contract with Narad.

(d) Mandir Present (you physically attend the temple). You select a puja and a temple slot; you travel to the temple at the scheduled time and a verified pandit performs the puja at the temple in your presence. Narad provides the booking platform, payment processing, pandit and slot matching, and dispute-resolution coordination. The contract for the religious service itself is between you and the pandit at the temple. Narad is not the service provider for the puja; the pandit is. The temple is not a party to your contract.

Cross-mode rule on cancellations and refunds. Cancellations, refund administration, dispute intake, and coupon-reversal mechanics are operated by Narad in all four modes as part of the booking and payment-processing service that Narad provides. For Modes (a), (b), and (d), Narad performs these functions in its capacity as booking platform and payment-processing agent — not as a party to or service provider of the religious service itself, which remains contracted between you and the pandit per the per-mode clauses above. For Mode (c) Mandir Proxy, Narad performs these functions in its capacity as service provider for the booked puja. This cross-mode administrative role does not modify the per-mode contract structure established above. The detailed cancellation and refund policy is set out in §5.3 below.

5.2 Booking Process

(a) You select the booking mode, puja, date, time slot, language preference, and (for Home mode) delivery address.

(b) Minimum lead time. Narad does not accept bookings for any time slot less than 12 hours in the future. Bookings within the 12-hour window will be rejected at booking creation with an error message. This minimum may be adjusted from time to time per our operational policy; the lead time in force at the time of booking creation is binding.

(c) You authorize payment of the displayed booking amount. Successful payment creates a reservation, not a confirmed booking. At this stage no contract for the religious service exists between you and Narad (or between you and the pandit in modes (a), (b), or (d)).

(d) Contract formation. Narad attempts to assign a suitable pandit to your reservation. At the moment Narad assigns a pandit (booking status PANDIT_ASSIGNED) and notifies you of the assignment, the following contracts form simultaneously: (i) the booking contract between you and Narad (covering the booking platform, payment processing, and — in Mode (c) Mandir Proxy — Narad's principal obligations for the religious service), and (ii) for Modes (a), (b), and (d), the service contract between you and the assigned pandit for the religious service itself. Until the assignment moment, no contract has formed and you may cancel for a full refund regardless of the time remaining before the slot. If Narad cannot assign a pandit within the applicable auto-assignment deadline, the reservation is automatically cancelled and you receive a full refund.

(e) You receive booking confirmation with pandit details and any mode-specific instructions (e.g., samagri list for Home mode; meeting-point details for Mandir Present mode; prasad-dispatch tracking for Mandir Proxy mode).

5.3 Cancellation and Refund Policy

Cancellation eligibility and refund amounts are governed by Narad's Booking Cancellation Policy, published at https://asknarad.com/policies/booking-cancellation. The version of the Policy in force at the time of cancellation determines the refund amount.

The Policy reflects (a) the booking mode, (b) the party initiating the cancellation (you, the assigned pandit, or Narad's system), and (c) the time remaining before the scheduled slot. It includes specific rates for (a)–(c) above as well as for cancellations triggered by Force Majeure (see §14 below), which receive the highest applicable refund tier regardless of timing.

Cancellations are administered by Narad as part of the booking service. This applies to all four booking modes (Online, Home, Mandir Proxy, Mandir Present). To cancel, use the in-app cancellation flow on the Booking Detail screen, or contact support@asknarad.com with your booking ID.

Refunds are issued to your original payment method through Razorpay, typically within 5–7 business days of cancellation. International users paying via foreign cards or methods may experience longer settlement timelines determined by the receiving bank or wallet. Coupons applied to a cancelled booking are reverted to your available coupon pool per our coupon-reversal policy.

5.4 Rescheduling

You may request to reschedule a confirmed booking to a different time slot. Reschedule requests submitted more than 12 hours before the originally scheduled slot are processed free of charge, subject to pandit availability for the requested new slot. Reschedule requests submitted within 12 hours of the original slot are treated as a cancellation per §5.3 followed by a new booking, and the §5.3 cancellation matrix applies to the original slot.

A reschedule may be subject to a different pandit being assigned, depending on the availability of the originally-assigned pandit for the new slot.

5.5 User Responsibilities for Bookings

You agree to:

(a) Provide accurate details about the puja you are booking, including any special intentions (sankalpa), names and gotras to be recited, delivery address (for Home and Mandir Proxy modes), and other relevant context.

(b) Be available and reachable at the scheduled booking time, including any pre-booking calls or messages from the assigned pandit to confirm logistics. Repeated user no-show or unresponsiveness may be treated as a user-initiated cancellation per §5.3.

(c) Arrange the necessary puja materials (samagri) as specified by the assigned pandit, unless purchased through the Service.

(d) Treat the assigned pandit with respect and dignity throughout the booking interaction. The safety protocol in §5.6 below applies to any incident of harassment or inappropriate behavior.

(e) For Mandir Present mode, arrive at the temple meeting point on time. Late arrival within the scheduled slot may be accommodated at the discretion of the pandit and the temple; arrival outside the slot is treated as no-show.

(f) For Mandir Proxy mode, provide accurate delivery details for prasad dispatch and accept that prasad dispatch timing depends on courier availability and is not guaranteed to any specific date.

5.6 Safety Protocol for In-Person Bookings

The following applies to Home and Mandir Present bookings (and any other booking mode in which a pandit physically meets you):

If you experience harassment, inappropriate behavior, sexual misconduct, or any safety concern from a pandit during or in connection with a booking, report the incident to safety@asknarad.com or via the in-app SOS feature within 24 hours of the incident.

On receipt of a report, Narad will:

(a) Acknowledge your report within 24 hours.

(b) Suspend the reported pandit's ability to accept new bookings of the affected mode (Home and Mandir Present, as applicable) pending review.

(c) Investigate the incident per Narad's Prevention of Sexual Harassment at Workplace (POSH) Act, 2013 Local Committee framework, including offering you the opportunity to be heard and to submit supporting evidence.

(d) Issue written findings within 14 days of acknowledgment.

(e) Take action based on the findings, up to and including permanent removal of the pandit from the Service, written warning, mandatory training, or such other action as Narad deems appropriate to ensure user safety.

Reports under this section are treated as confidential to the extent permitted by law and Narad's investigation obligations. Narad will not retaliate against any user who reports a safety concern in good faith. Filing a report under this section does not prejudice your right to file a police complaint, a complaint with the Internal Committee constituted under POSH where applicable, or any other lawful action.

5.7 Spiritual Outcome Non-Guarantee

Narad does not guarantee any specific spiritual, religious, astrological, personal, family, professional, financial, medical, or material outcome arising from a puja, ritual, fast (vrat), donation (daan), prayer, or service booked through the Service. The fruits of any sacred observance are determined by faith, intention (sankalpa), devotion, and the will of the Divine — not by the technical correctness of service delivery.

Dissatisfaction with a spiritual, religious, astrological, or material outcome is not a basis for refund under §5.3. Refunds under §5.3 are limited to defined execution failures (non-performance, mis-performance contrary to the booked specification, name mispronunciation contrary to user specification, late or missing prasad dispatch in Mandir Proxy mode, pandit no-show, Narad-initiated cancellation, or Force Majeure).

6. Payment Terms

6.1 Payment Processor

All payments on the Service are processed through Razorpay, a payment-aggregator licensed by the Reserve Bank of India and compliant with PCI-DSS Level 1. Supported instruments include UPI, credit and debit cards (domestic and international), net banking, and wallets as enabled by Razorpay.

Narad does not store your credit card numbers, debit card numbers, UPI handles, or bank account details on our servers. All payment-instrument data is handled directly by Razorpay. Razorpay's terms of service and privacy policy apply to all payment transactions and are incorporated by reference.

6.2 Currency and Pricing

All prices displayed on the Service are in Indian Rupees (INR) unless otherwise expressly stated. International users paying with non-INR instruments will see the equivalent foreign-currency amount disclosed by Razorpay at the time of payment; the actual settlement amount depends on the exchange rate and fees applied by your card issuer or bank.

6.3 Taxes

All prices are inclusive of applicable Goods and Services Tax (GST) at the prevailing rate, where the underlying service or product is GST-applicable. Religious puja services and certain donation services may be exempt from GST under the prevailing schedule of the Central Goods and Services Tax Act, 2017; tax treatment is determined by the nature of each booking and disclosed on the invoice issued for the booking. We reserve the right to update prices in response to changes in the applicable tax rate or classification.

6.4 Platform Fees

Narad charges a platform commission on bookings. The commission is included in the total price displayed to you at the time of booking and is not added as a separate line item. There are no hidden booking fees. The invoice issued after the booking discloses the consolidated pre-tax amount and the GST component where applicable.

6.5 Refunds and Coupons

Refunds are issued per the Cancellation Policy referenced in §5.3 above. Refunds are credited to your original payment method through Razorpay, typically within 5–7 business days of cancellation. Coupons applied to a booking that is subsequently cancelled are reverted to your available coupon pool in the same state they were before the booking (subject to the coupon's original validity window).

6.6 Failed Transactions

If a payment is debited from your account but the booking confirmation is not received (for example, due to a network failure between Razorpay and Narad), the following applies:

(a) Narad operates an automated payment reconciliation process that runs at least once per hour. Reconciliation matches Razorpay payment records against Narad booking records and rescues any orphaned payments within a 24-hour window.

(b) If your payment is rescued, your booking is created and confirmation sent within 24 hours of the original payment attempt.

(c) If reconciliation cannot match the payment to a valid booking, the payment is refunded automatically within 48 hours of the original payment attempt.

(d) If you do not receive either booking confirmation or refund within 48 hours of a debited payment, contact support@asknarad.com with the Razorpay transaction reference; we will investigate and complete reconciliation manually within 5 business days.

7. AI and Astrology Disclaimers

7.1 Narad AI (Chat Assistant)

Narad AI is an artificial-intelligence-powered chat assistant that provides information about Hindu dharma, rituals, scriptures, panchang, festivals, muhurats, and related spiritual topics.

Please read this carefully:

By using Narad AI, you acknowledge and accept these limitations.

7.2 Astrology Engine Outputs

Narad's astrology engine generates birth charts (kundli), planetary positions, dasha periods, yearly horoscopes, lifetime predictions, dosha analyses, remedy recommendations, and matchmaking compatibility scores using traditional Vedic computational methods (Parashari astrology applied with a selected ayanamsa — currently Lahiri — and a high-precision ephemeris).

Please read this carefully:

By using the astrology engine, you acknowledge and accept these limitations.

8. Content and Intellectual Property

8.1 Sacred and Religious Content

Hindu sacred texts (Vedas, Upanishads, Bhagavad Gita, Puranas, Itihasas, and other recognized scripture) are part of humanity's shared spiritual heritage. Narad does not claim ownership over the content of these texts. Narad's presentation, formatting, translations, commentary, audio renderings, and visual layouts are original works of Narad.

8.2 Narad's Intellectual Property

The following are owned by Narad and protected by applicable intellectual-property laws:

You may not copy, modify, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any of the above without our prior written permission, except as expressly permitted by these Terms or by applicable Indian law (including fair-use and fair-dealing provisions).

8.3 User Content License

By submitting content to the Service (reviews, ratings, feedback, chat messages, profile information, or any other user-generated content), you grant Narad a non-exclusive, royalty-free, worldwide, sublicensable license to use, reproduce, display, distribute, store, modify, and create derivative works from that content for the purposes of operating, improving, marketing, and securing the Service. You retain ownership of your content.

8.4 Third-Party Content

Videos, live streams, audio, and embedded resources displayed in the Service may be hosted by third parties (including YouTube, Vimeo, and others) and are subject to those third parties' terms of service. Narad does not host such third-party content and does not claim ownership of it.

9. User-Generated Content

9.1 Reviews and Ratings

You may leave reviews and ratings for pandits after a completed booking. Reviews must be:

Narad reserves the right to remove or moderate reviews that violate these standards or any other provision of these Terms. Pandits may publicly respond to reviews; their responses are subject to the same standards.

9.2 Chat Messages

Chat messages between you and an assigned pandit are intended for booking-related coordination only. Chat messages between you and Narad AI are stored to provide context for future conversations and to improve the Service.

We do not monitor private chat in real time but may review messages if a violation, safety concern, or dispute is reported. All chat data is handled per our Privacy Policy.

9.3 Prohibited Content

You must not post, transmit, or share content through the Service that:

10. Privacy

Your privacy is important to us. Please review our Privacy Policy at https://asknarad.com/privacy (also accessible from within the App) to understand how we collect, use, share, and protect your personal data.

By using the Service, you consent to the data practices described in the Privacy Policy. The Privacy Policy operationalizes the rights granted to you under the Digital Personal Data Protection Act, 2023 (DPDPA), including:

We act as a Data Fiduciary under DPDPA §8 and assume the corresponding obligations, including security safeguards, breach notification, and limitation of processing to the purpose for which consent was given.

11. Limitation of Liability

To the maximum extent permitted by applicable Indian law:

(a) The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise. Narad does not warrant that the Service will be uninterrupted, error-free, secure, free of harmful components, or accurate in all respects.

(b) Narad does not warrant the accuracy or completeness of panchang data, astrological calculations, AI responses, content recommendations, or other content displayed on the Service.

(c) Narad's role and responsibility for pandit-delivered services varies by booking mode as set out in §5.1. For modes in which Narad is not the service provider (Online, Home, Mandir Present), Narad is not responsible for the actions, omissions, or quality of service of the assigned pandit, except for Narad's own obligations of platform operation, payment processing, refund administration, and dispute coordination.

(d) Narad does not warrant or guarantee any spiritual, religious, astrological, personal, family, professional, financial, medical, or material outcome arising from any service booked through the Service, as set out in §5.7.

(e) Aggregate liability cap. Subject to (f) below, Narad's total aggregate liability to you for any and all claims arising out of or in connection with your use of the Service shall not exceed the higher of:

(i) the total amount you paid to Narad in the 12 months preceding the event giving rise to the claim; or

(ii) Indian Rupees Five Thousand (INR 5,000).

(f) Refund obligations are not subject to the cap. The cap in (e) above does not apply to Narad's refund obligations under §5.3 (cancellation refunds), §6.5 (refunds for failed transactions), or §14 (Force Majeure refunds). Those obligations are contractual refunds of consideration and are payable in full per the applicable policy or clause, independent of any "damages" cap.

(g) Narad is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including without limitation loss of profits, loss of data, loss of goodwill, emotional distress, or pure economic loss, even if Narad has been advised of the possibility of such damages.

(h) Nothing in this §11 excludes or limits any liability that cannot be excluded under applicable Indian law, including without limitation liability for fraud, fraudulent misrepresentation, gross negligence, willful misconduct, or any liability under the Consumer Protection Act, 2019 that may not lawfully be limited or excluded.

12. Indemnification

You agree to indemnify, defend, and hold harmless Narad, its officers, directors, employees, contractors, affiliates, and partners from and against any and all claims, demands, suits, proceedings, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or in connection with:

(a) Your breach of these Terms or violation of any applicable law;

(b) Your use or misuse of the Service;

(c) Any content you submit, post, transmit, or share through the Service;

(d) Your interaction with any pandit, user, or other third party through the Service;

(e) Any false, misleading, or fraudulent information you provide to Narad or to any other party through the Service;

(f) Any infringement by you of any intellectual property, privacy, publicity, or other right of any third party.

Narad reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with Narad's defense.

13. Dispute Resolution

13.1 Informal Resolution

If you have a dispute with Narad relating to these Terms or your use of the Service, we encourage you to first contact us at support@asknarad.com so that we may attempt to resolve it informally. We will make reasonable efforts to address your concern within 15 days of receipt.

13.2 Grievance Officer

In addition to general support, Narad maintains a Grievance Officer as required by the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Consumer Protection (E-Commerce) Rules, 2020, and the Digital Personal Data Protection Act, 2023. Grievance Officer contact details are set out in §18 below.

The Grievance Officer's response timelines:

(a) Acknowledgment within 24 hours of receipt of a written grievance (per IT Intermediary Rules 2021 Rule 3(2)).

(b) Resolution within 15 days of acknowledgment for grievances falling under IT Intermediary Rules 2021.

(c) Acknowledgment within 48 hours and resolution within 1 month for grievances falling under CP E-Commerce Rules 2020 Rule 4(5).

(d) For data-protection grievances under DPDPA, response timelines per DPDPA and the rules thereunder.

Where multiple regimes apply, Narad will adopt the stricter timeline applicable to the matter.

13.3 Arbitration

If a dispute is not resolved informally or through the Grievance Officer process, it shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be:

(a) Conducted by a sole arbitrator mutually agreed upon by the parties, or, failing agreement, appointed in accordance with the Act;

(b) Held at Hyderabad, Telangana, India as the seat of arbitration;

(c) Conducted in the English language;

(d) Decided based on the laws of India.

The arbitrator's award shall be final and binding on the parties. Judgment on the award may be entered in any court of competent jurisdiction.

13.4 Jurisdiction

Subject to the arbitration provision in §13.3, the courts of Hyderabad, Telangana, India shall have exclusive jurisdiction over any disputes arising from these Terms or your use of the Service.

13.5 Consumer Forum Access

Nothing in this §13 prevents you from filing a complaint with the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019. Your right to file such a complaint, and to seek the remedies available under that Act, is not waived or limited by these Terms or by the arbitration provision above.

14. Force Majeure

(a) Definition. "Force Majeure Event" means any event or circumstance beyond the reasonable control of the affected party, including without limitation: acts of God, natural disasters, fire, flood, earthquake, cyclone, landslide; pandemic or epidemic (including continuing effects of COVID-19 era restrictions); war, civil unrest, riot, insurrection, terrorism, communal violence; acts or orders of any government, regulatory authority, or court (including curfew, lockdown, or service-suspension orders); internet outage, telecommunications failure, power failure, or failure of any third-party infrastructure provider on which the Service depends (including without limitation Razorpay, the cloud hosting provider, the database provider, the messaging provider, and the AI model provider).

(b) Mandir-specific Force Majeure Events. For bookings in Mandir Proxy or Mandir Present modes, additional Force Majeure Events include: temple closure for any reason (festival-day overflow, government order, security restriction, renovation, religious-authority decree); priest or pandit unavailability declared by the temple authority on grounds of ritual purity, mourning, or temple convention; regional shutdown affecting access to the temple; refusal by the temple authority to perform the booked ritual on the booked date; and any other disruption to temple operation that is beyond Narad's reasonable control.

(c) Suspension of obligations. Neither party is liable for failure or delay in performance of obligations under these Terms (other than the obligation to pay sums already due) caused by a Force Majeure Event.

(d) Notice and mitigation. The party affected by a Force Majeure Event shall notify the other party within 48 hours of becoming aware of the event (or as soon as reasonably possible thereafter) and shall use commercially reasonable efforts to mitigate the impact and resume performance.

(e) Refund on Force Majeure cancellation. Cancellations triggered by a Force Majeure Event receive the highest applicable refund tier per the Cancellation Policy referenced in §5.3, irrespective of the time remaining before the scheduled slot. This typically equates to a full refund of consideration paid for the affected booking.

(f) Termination on extended Force Majeure. If a Force Majeure Event affecting a specific booking continues for more than 30 consecutive days, either you or Narad may terminate the affected booking by written notice with effect from the date of notice. Termination under this clause entitles you to a full refund per (e) above and discharges both parties of further obligation in respect of the affected booking. No additional damages, compensation, or liability shall arise from such termination.

(g) Scope. This §14 applies to specific bookings, not to the Service as a whole. Narad's obligations to other users and other bookings remain unaffected unless the Force Majeure Event is broad enough to suspend Service operations generally, in which case we will communicate publicly via the App, the Website, and the email address on file with your account.

15. Termination and Account Deletion

15.1 Termination by You

You may stop using the Service and request deletion of your account at any time through the in-app account-deletion flow or by emailing privacy@asknarad.com. On request:

(a) Day 0 — Soft delete. Your profile is immediately made inaccessible to you and hidden from public surfaces of the Service. Active bookings remain in the system and continue per their existing status until completed, cancelled, or refunded.

(b) Day 1–30 — Soft-delete window. During this window, you may withdraw the deletion request by emailing privacy@asknarad.com. If you do not withdraw, on day 31 Narad performs a hard delete of personal data from active systems, subject to the carve-outs in §15.3.

(c) Day 31–90 — Backup purge. Narad operates rolling backups for disaster-recovery purposes. Personal data persists in encrypted backups during this window. Backups containing your personal data are purged in the normal rotation by day 90.

(d) Pending bookings. Active bookings at the time of soft delete are cancelled per the Cancellation Policy referenced in §5.3. Refunds are processed through Razorpay and credited to your original payment method.

15.2 Termination by Narad

Narad may suspend or terminate your account per the procedure in §3.3 (notice + 30-day appeal + Grievance Officer review).

15.3 Records Retained After Deletion

Notwithstanding §15.1 and §15.2, Narad retains the following records after account deletion as required by applicable Indian law:

(a) Booking transaction records, GST invoices, and payment records for a period of 8 years from the end of the financial year in which the transaction occurred, per the Income Tax Act, 1961 §44AA and the GST record-keeping rules under the Central Goods and Services Tax Act, 2017.

(b) Records under legal hold for the duration of any legal proceeding, investigation, regulatory inquiry, or audit to which Narad is or may be subject and that requires retention of such records.

(c) De-identified aggregate data for analytical, security, and Service-improvement purposes, where such data does not personally identify you.

15.4 Effect of Termination

On termination of your account (whether by you or by Narad), your right to access and use the Service ceases. The following sections survive termination by their nature: §5.7 (Spiritual Outcome Non-Guarantee, in respect of bookings completed before termination), §8 (Content and IP), §11 (Limitation of Liability), §12 (Indemnification), §13 (Dispute Resolution), §14 (Force Majeure, in respect of refund obligations on bookings affected at termination), §15.3 (Records Retained), §17 (Assignment).

16. Changes to Terms

(a) We may amend these Terms from time to time. The current version is always available at https://asknarad.com/terms and within the App.

(b) Material changes. For material changes — including without limitation changes to (i) the refund policy or cancellation matrix, (ii) the dispute-resolution mechanism, (iii) the liability cap, (iv) the party-of-record posture in §5.1, (v) the addition of a new product surface (such as a store, travel booking, or premium subscription), or (vi) any change to data-processing scope that triggers re-consent under DPDPA §6 — we will provide at least 15 days' advance notice via in-app notification and the email address associated with your account, with a clear summary of the changes.

(c) Non-material changes. For non-material changes (typographical corrections, contact-information updates, clarifications that do not affect rights or obligations), the amended Terms take effect immediately on publication, and no advance notice is required.

(d) Acceptance. Your continued use of the Service after the effective date of an amendment constitutes your acceptance of the amended Terms. If you do not agree to a material change, you may delete your account per §15 before the effective date.

(e) Version history. Narad maintains a public version history of these Terms at https://asknarad.com/terms/history. Prior versions remain accessible for reference and for resolving any dispute that arose under a prior version.

17. Assignment and Corporate Successor

(a) Narad's right to assign. Narad may assign these Terms, in whole or in part, to:

(i) a successor entity, including without limitation a Private Limited Company formed by Abhishek for the purpose of operating the Narad Service and related businesses;

(ii) an acquirer in a merger, acquisition, sale of substantially all assets, scheme of arrangement, or other corporate reorganization;

(iii) an affiliated entity under common control;

with at least 30 days' prior notice via in-app notification and the email address associated with your account. The notice will identify the successor entity and the effective date of assignment.

(b) Effect of assignment. From the effective date of assignment, the successor entity assumes all rights and obligations of Narad under these Terms, including without limitation refund obligations accrued before the effective date.

(c) Your right on assignment. If you do not wish to continue under the successor entity, you may delete your account per §15 before the effective date with no further obligation. Your continued use of the Service after the effective date constitutes your acceptance of the assignment.

(d) No relief on accrued obligations. Assignment does not relieve Narad of any refund or other obligation that accrued before the effective date. Such obligations transfer to the successor entity and become enforceable against the successor.

(e) User assignment prohibited. You may not assign or transfer these Terms or your account to any other person without Narad's prior written consent.

18. Contact and Grievance Officer

18.1 General Contact

18.2 Registered Address

[PLACEHOLDER — to be set at counsel review or before public launch]

(Current operational address: Hyderabad, Telangana, India. Counsel review will substitute the full registered street address, which may differ from the operational address for privacy reasons or in connection with incorporation.)

18.3 Grievance Officer

As required by the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 Rule 3(2), the Consumer Protection (E-Commerce) Rules, 2020 Rule 4(5), and the Digital Personal Data Protection Act, 2023 §10, Narad maintains the following Grievance Officer:

18.4 Grievance Procedure

To file a grievance with the Grievance Officer:

(a) Submit your grievance in writing to the email or postal address above, with a clear description of the matter, your account email, and any supporting documents.

(b) The Grievance Officer will acknowledge your grievance within 24 hours and issue a written decision within 15 days (per IT Intermediary Rules 2021 Rule 3(2)), or within 48 hours and 1 month respectively for grievances falling under CP E-Commerce Rules 2020 Rule 4(5), or as required for data-protection grievances under DPDPA.

(c) Where multiple regimes apply to your grievance, Narad will adopt the stricter timeline.

(d) If you are not satisfied with the Grievance Officer's decision, you may escalate per §13 (Dispute Resolution), file a complaint with the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or pursue any other remedy available to you under applicable Indian law.

These Terms of Service are governed by the laws of the Republic of India.