Terms of Service | Sanchalio

These Terms of Service ("Terms") form an agreement between you and Sanchalio ("Sanchalio", "we", "us") and govern your use of Sanchalio's website (sanchalio.com) and the software products operated by Sanchalio, including Brokiva (brokiva.sanchalio.com) (together, the "Services"). By creating an account, starting a trial, or using the Services, you agree to these Terms. If you are using the Services on behalf of a business, you confirm that you are authorised to accept these Terms for that business.

1. Eligibility

You must be at least 18 years old and legally able to enter into a contract under Indian law to use the Services. The Services are intended for business and professional use.

2. Your account

You must provide accurate and complete information when you register and keep it up to date.
You are responsible for keeping your password confidential and for all activity that happens under your account.
If you add team members to your workspace, you are responsible for their use of the Services and for removing access when they leave.
Tell us immediately at the contact address below if you believe your account has been accessed without permission.

3. Subscriptions, trials and payment

Paid plans are billed in advance on a recurring monthly basis at the price shown at checkout, in Indian Rupees and inclusive of applicable taxes unless stated otherwise.
Payments are processed by our payment partner, Razorpay. When you subscribe, you authorise recurring charges to your chosen payment method (autopay) until you cancel.
Where a trial is offered, a small activation charge may be taken to verify your payment method. When the trial ends, your subscription starts automatically and the full plan price is charged unless you cancel before the trial ends.
If a payment fails, we may retry it and may limit access to paid features until payment is completed.
We may change our prices. We will tell you in advance, and the new price will apply from your next billing period after the notice.

4. Cancellation

You can cancel your subscription at any time from the billing section of your account. Cancellation stops future charges. You keep access until the end of the period you have already paid for. Refunds are covered by our Refund Policy.

5. Acceptable use

You agree not to:

use the Services for any unlawful, fraudulent or misleading purpose;
send spam or unsolicited bulk messages, including through any WhatsApp or email feature;
upload content that infringes someone else's rights, or that is abusive, obscene or harmful;
attempt to access accounts, data or systems that do not belong to you, or interfere with the security or performance of the Services;
copy, resell or reverse engineer the Services, except where the law expressly allows it.

6. Third-party services

Some features connect to services run by other companies, such as Razorpay for payments and Meta's WhatsApp Business Platform for messaging. Your use of those services is also subject to their own terms and policies. We are not responsible for the availability or actions of third-party services.

7. Your data

You own the business data you add to the Services, such as customer details, properties, documents and messages. You grant us a limited permission to store, process and display that data only as needed to provide and support the Services. You are responsible for having the right to collect and use any personal information you add about your own customers. How we handle data is explained in our Privacy Policy.

8. Our intellectual property

The Services, including software, design, logos and content created by us, belong to Sanchalio. These Terms give you a right to use the Services during your subscription; they do not transfer ownership of anything to you.

9. Availability and changes

We work to keep the Services available, secure and backed up, but we cannot promise uninterrupted or error-free operation. We may carry out maintenance, and we may add, change or remove features over time. If we make a change that significantly reduces the Services you pay for, we will tell you in advance.

10. Suspension and termination

We may suspend or close an account that breaks these Terms, fails to pay, or creates a security or legal risk, and we will notify you where it is reasonable to do so. You may stop using the Services and close your account at any time. After closure, your data is handled as described on our Data Deletion page.

11. Limitation of liability

To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis. Sanchalio is not liable for indirect, incidental or consequential losses, including loss of profits, business or data. Our total liability for any claim related to the Services is limited to the amount you paid us in the three months before the event giving rise to the claim.

12. Indemnity

You agree to compensate Sanchalio for losses arising from your breach of these Terms or from content or data you add to the Services in violation of the law.

13. Governing law and disputes

These Terms are governed by the laws of India. We encourage you to contact us first so we can try to resolve any concern informally. Any dispute that cannot be resolved this way will be subject to the jurisdiction of the competent courts in India.

14. Changes to these Terms

We may update these Terms from time to time. The date at the top of this page shows when they were last changed. If changes are significant, we will notify account holders by email or in the product before they take effect. Continuing to use the Services after the changes take effect means you accept them.

15. Contact us

If you have any questions about this policy, write to us at hello@sanchalio.com. We aim to reply within two working days.