Terms That
Keep Things Clear

Governing Law: India (primary) · With jurisdiction-specific provisions for Malaysia, UAE, EU, USA

1.1 Parties

'Company', 'I-PREDICT', 'we', 'us', or 'our' refers to Instapredict Technologies Pvt Ltd, incorporated in India, operating the I-PREDICT digital health platform at www.instapredict.ai and www.i-predict.net.

'User', 'you', or 'your' refers to any individual, corporate employee, insurer enrollee, or organisation accessing the Platform.

1.2 Key Definitions

2.1 Eligibility Requirements

• You must be at least 18 years of age to use the Platform
• You must have the legal capacity to enter into binding contracts in your jurisdiction
• Corporate or employer accounts must be authorised by the relevant organisation
• Use by individuals in jurisdictions where the Platform is not licensed is at the User's sole risk

2.2 Account Registration

You are required to provide accurate, complete, and current registration information. You are responsible for maintaining the confidentiality of your login credentials and for all activity conducted under your account. You must notify I-PREDICT immediately at support@instapredict.ai if you suspect unauthorised access to your account.

2.3 Account Security

I-PREDICT implements multi-factor authentication and recommends Users activate this feature. Users are prohibited from sharing account credentials. I-PREDICT is not liable for losses arising from unauthorised account access due to the User's failure to safeguard credentials.

3.1 Subscription Plans

I-PREDICT offers various subscription plans which are listed on the mobile app and website.

3.2 Subscription Renewals

Subscriptions renew automatically at the end of each billing period unless cancelled. You will receive a renewal reminder 7 days before renewal. Cancellation must be submitted via Account Settings or by contacting billing@instapredict.ai at least 48 hours before the renewal date.

3.3 Device Purchase Terms

Wearable devices (smart ring, smart band) are sold separately or as part of a bundled package. Device purchases are governed by the following:

• Title and risk of loss pass to the User upon physical delivery
• Devices are warranted against manufacturing defects for 12 months from delivery
• Warranty does not cover physical damage, water damage beyond device rating, or misuse
• Device returns are accepted within 7 days of delivery in original condition subject to specific conditions specified at the time of purchase

3.4 Payment and Pricing

Prices are displayed in applicable local currency at the time of purchase. All payments are processed by compliant payment processors. I-PREDICT does not store raw payment card data. Taxes and duties applicable in your jurisdiction will be added to the displayed price.

3.5 Refund Policy

Digital subscription fees are non-refundable once a billing period has commenced, except: (i) where required by applicable consumer protection law; (ii) where I-PREDICT has materially failed to provide the subscribed services; or (iii) within a 7-day cooling-off period from initial subscription commencement (where available under applicable law). Device refunds are subject to the 15-day return window above.

4.1 Nature of Telemedicine

I-PREDICT's telemedicine interface enables Users to connect with independent licensed medical practitioners for remote consultations. I-PREDICT is a technology intermediary only. The clinical relationship and professional responsibility for clinical decisions lies entirely with the treating practitioner, not I-PREDICT.

4.2 Telemedicine Limitations

• Telemedicine is not suitable for emergencies — call your local emergency number immediately in any emergency
• The quality of consultation may be affected by connectivity, device limitations, or incomplete health history
• Prescriptions and clinical decisions are the sole responsibility of the consulting practitioner
• Telemedicine does not replace in-person medical care; Users should consult their regular physician for ongoing care

4.3 Telemedicine Consent

By initiating a telemedicine consultation, you provide informed consent for the consultation and acknowledge the limitations set out above. You authorise I-PREDICT to share relevant health data from the Platform with the consulting practitioner for the purpose of the consultation only.

4.4 Regulatory Compliance

Telemedicine services are provided in compliance with: India — Telemedicine Practice Guidelines 2020 (Medical Council of India); Malaysia — Telemedicine Act 1997 and Health Ministry guidelines; UAE — Dubai Health Authority and DOH Telehealth frameworks.

5.1 Nature of AI Health Insights

The I-PREDICT AI Engine generates health insights by analysing biometric, wearable, and health data using machine learning models. These outputs:

• Are probabilistic estimates based on population data and individual inputs — not certainties
• Are intended as wellness awareness tools and decision-support aids for healthcare professionals
• Do not account for all individual health factors, comorbidities, or clinical context
• May produce inaccurate results if input data is incomplete, inaccurate, or the device is incorrectly worn

5.2 No Emergency Use

I-PREDICT is NOT designed for emergency use. In case of chest pain, difficulty breathing, suspected stroke, severe injury, or any other medical emergency — call your local emergency services immediately. Do not use I-PREDICT in an emergency situation.

5.3 No Medical Diagnosis Guarantee

I-PREDICT expressly disclaims any warranty that AI-generated outputs constitute or are equivalent to a medical diagnosis. No health insight generated by the Platform should be relied upon as a definitive assessment of any medical condition.

5.4 Beta Features

Certain Platform features may be released in beta or preview mode. Beta features are provided on an 'as-is' basis without warranty. I-PREDICT may modify, suspend, or withdraw beta features at any time without liability.

6.1 Device Accuracy Limitations

The health monitoring data produced by I-PREDICT wearable devices (smart ring, smart band) is generated by optical and sensor-based technologies. These devices:

• Are consumer wellness devices, not clinical medical devices approved for diagnosis
• May produce readings affected by skin tone, device fit, movement, temperature, and other factors
• Are not substitutes for medical-grade devices used in clinical settings
• Should not be used to monitor life-critical conditions without independent clinical confirmation

6.2 Accuracy Disclaimer

Heart rate, SpO2, HRV, sleep, and other biometric readings from I-PREDICT wearables are provided for wellness monitoring purposes. I-PREDICT does not warrant the clinical accuracy of these readings. Users with medical conditions requiring accurate biometric monitoring should use FDA/CE-cleared medical devices.

6.3 Downtime and Connectivity

I-PREDICT does not guarantee uninterrupted connectivity between the wearable device and the Platform. Data synchronisation may be delayed due to connectivity issues, firmware updates, or platform maintenance.

7.1 Licence Grant

Subject to these Terms, I-PREDICT grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal health and wellness management (or, for corporate users, for your employees' wellness programme). This licence does not include the right to sublicense, modify, reverse engineer, or create derivative works of the Platform.

7.2 Prohibited Activities

Users are prohibited from:

• Using the Platform for clinical diagnosis, prescribing, or replacing professional medical care
• Sharing account access or credentials with other individuals
• Attempting to access, modify, or interfere with the Platform's underlying systems, code, or databases
• Using the Platform to collect data on third parties without their consent
• Uploading false, misleading, or inaccurate health data
• Using the Platform in violation of applicable laws, including export control and sanctions laws
• Circumventing any security feature, access control, or authentication mechanism
• Using the Platform for any commercial purpose beyond your licensed use

7.3 User-Generated Content

Where the Platform permits User-generated content (e.g., health journals, symptom notes), you retain ownership of such content but grant I-PREDICT a non-exclusive licence to process it for service delivery purposes. You are responsible for the accuracy and legality of content you submit. I-PREDICT reserves the right to remove content that violates these Terms.

8.1 Platform IP Ownership

All intellectual property rights in the Platform, including the I-PREDICT brand, mobile application, web portal, AI models, algorithms, datasets, software, and documentation, are owned exclusively by Instapredict Technologies Pvt Ltd or its licensors. Nothing in these Terms transfers any IP rights to Users.

8.2 AI Model Ownership

The I-PREDICT AI Engine, including all machine learning models, training methodologies, prediction algorithms, and health scoring systems, is proprietary to Instapredict Technologies Pvt Ltd. User data used in de-identified, aggregated form to train or improve AI models does not create any IP ownership rights for Users.

8.3 User Health Data

Your personal health data remains your property. You grant I-PREDICT a limited licence to process your health data solely for the purposes set out in these Terms and the Privacy Policy. You may export or request deletion of your health data subject to legal retention obligations.

9.1 Scope of Limitation

I-PREDICT is not liable for:

• Any loss or damage arising from reliance on AI-generated health insights without independent medical consultation
• Clinical decisions made by treating healthcare practitioners following telemedicine consultations
• Inaccurate biometric readings from wearable devices due to User error, device wear conditions, or hardware limitations
• Loss of health data due to User error, third-party interference, or events beyond our reasonable control
• Any health outcome, adverse medical event, or failure to diagnose arising from use of the Platform

9.2 Indemnification

You agree to indemnify and hold harmless I-PREDICT, its directors, officers, employees, affiliates, and agents from any claims, damages, losses, or costs (including legal fees) arising from: (i) your misuse of the Platform; (ii) your breach of these Terms; (iii) your use of AI Health Insights without appropriate medical consultation; or (iv) your violation of applicable law.

9.3 Warranty Disclaimers

THE PLATFORM IS PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. I-PREDICT DISCLAIMS ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

The Platform integrates with third-party services including ABDM (India), payment processors, cloud providers, wearable OEM partners, pharmacy platforms, insurer portals, and employer HR systems. I-PREDICT does not control and is not responsible for the availability, accuracy, or privacy practices of third-party services. Your use of integrated third-party services is subject to those parties' own terms and conditions. I-PREDICT shall not be liable for any loss arising from third-party service failures, data errors, or policy changes.

11.1 Employer-Sponsored Programmes

Where your employer has enrolled you in an I-PREDICT corporate wellness programme, your access to the Platform is subject to both these Terms and any supplemental terms agreed between I-PREDICT and your employer. Your employer does not have access to your individual health data without your explicit consent.

11.2 Employment Non-Discrimination

Data generated through employer wellness programmes may not be used by your employer for employment decisions including hiring, promotion, demotion, or termination. I-PREDICT contractually prohibits such use and will not facilitate it.

Where you have consented to health data sharing with a health insurer, the following terms apply:

• Data sharing is limited to the specific insurer and purpose identified in your consent
• I-PREDICT does not guarantee that insurer decisions (premium adjustments, claim outcomes) will be favourable
• Withdrawal of consent for insurer sharing will be effective for future data and will not affect existing insurance coverage
• I-PREDICT is not a party to and has no responsibility for insurer underwriting, claims, or coverage decisions

13.1 Termination by User

You may close your account and terminate these Terms at any time via Account Settings. Termination does not entitle you to a refund of prepaid subscription fees except as required by applicable consumer protection law.

13.2 Termination or Suspension by I-PREDICT

I-PREDICT may suspend or terminate your account immediately if you: breach these Terms; engage in fraudulent or abusive conduct; use the Platform for prohibited purposes; or if required by applicable law or regulatory authority. We will notify you of any suspension or termination unless legally prohibited from doing so.

13.3 Effect of Termination

Upon termination, your licence to use the Platform immediately ceases. I-PREDICT will retain your health data for the mandatory periods set out in the Privacy Policy and then delete it. You may request a data export prior to account closure.

14.1 Governing Law (Primary)

These Terms are governed by and construed in accordance with the laws of India. For Malaysian Users, Malaysian law applies to the extent of any conflict on consumer rights matters. For UAE Users, UAE federal law applies where mandated. EU Users retain rights under applicable EU consumer protection law regardless of governing law provisions.

14.2 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 (India). The seat of arbitration shall be [City, India]. The language of arbitration shall be English. The number of arbitrators shall be one, mutually agreed upon or appointed per the Act.

14.3 Jurisdiction — Exceptions

Notwithstanding the arbitration clause, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm. Courts in [Mumbai India] shall have non-exclusive jurisdiction for such relief. For EU consumers, mandatory consumer protection rules of the User's country of residence apply.

14.4 Class Action Waiver

To the extent permitted by applicable law, you agree that any dispute shall be resolved on an individual basis and you waive the right to bring claims as a plaintiff or class member in any class action or representative proceeding. This waiver does not apply where prohibited by applicable law.

I-PREDICT is not liable for any delay or failure in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, epidemic, war, terrorism, government actions, cyber attacks, internet infrastructure failures, or third-party service outages. I-PREDICT will notify Users of significant service disruptions and take reasonable steps to restore services as soon as practicable.

The Platform and its components are subject to applicable export control laws and regulations. You agree not to export, re-export, or transfer Platform access or data in violation of applicable export control laws or to any country, entity, or person subject to applicable sanctions regimes. I-PREDICT does not permit use of the Platform in jurisdictions subject to comprehensive international sanctions.

The I-PREDICT mobile application is distributed through the Apple App Store and Google Play Store. In addition to these Terms, use of the app is subject to the respective app store's terms of service. In the event of conflict between these Terms and app store terms, app store terms prevail for app distribution matters only.

Nothing in these Terms excludes, restricts, or modifies any consumer protection rights that cannot be excluded, restricted, or modified by agreement under applicable law, including the Consumer Protection Act, 2019 (India), the Consumer Protection Act (Malaysia), UAE Federal Consumer Protection Law, or applicable EU consumer protection directives. If any provision of these Terms is found to be unenforceable under consumer protection law, that provision shall be modified to the minimum extent necessary to make it enforceable.

20.1 Severability

If any provision of these Terms is found unlawful, void, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

20.2 Entire Agreement

These Terms, together with the Privacy Policy, Data Protection Policy, and applicable Medical Disclaimers, constitute the entire agreement between you and I-PREDICT with respect to the Platform and supersede all prior agreements.

20.3 No Waiver

I-PREDICT's failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

20.4 Contact

Support: support@instapredict.ai | Billing: billing@instapredict.ai