Terms of Service

Introduction

These Terms of Service constitute a legally binding agreement between you and Indiem, registered under the Companies Act, 2013. These Terms govern your access to and use of our website, mobile applications, and all related services.

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

1. Acceptance of Terms

By using our Services, you acknowledge that you: have read and understood these Terms; agree to be bound by them; are at least 18 years of age and legally capable of entering into binding contracts; and have authority to bind any organization on whose behalf you access our Services.

2. Services Description

We provide health insurance claim management services including cashless claim processing, claim rejection handling, pre-authorization support, and document management for both hospitals and patients.

3. User Obligations

You agree to provide accurate information, comply with all applicable laws, not engage in unlawful activities, not submit false or fraudulent information, and not attempt unauthorized access to our systems. You shall not impersonate others, upload malware, or interfere with our Services.

4. Fees and Payment

Service fees vary by plan type. All fees are in Indian Rupees and may be subject to applicable taxes. We do not guarantee claim approval, specific claim amounts, or timelines. Payment of fees does not guarantee any specific result.

5. Intellectual Property Rights

All content on our Website is owned by or licensed to us and protected by copyright, trademark, and other intellectual property laws. We grant you a limited license to use our Services for their intended purpose. You may not copy, modify, or create derivative works.

6. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND. We do not provide medical or legal advice. We are not responsible for decisions made by insurance companies, quality of medical care, or accuracy of third-party information.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR indirect, incidental, special, or consequential damages. Our total liability is limited to fees paid in the preceding period.

8. Termination

You may terminate your account anytime. We may terminate access immediately if you breach these Terms, engage in fraud, provide false information, or if required by law.

9. Dispute Resolution

Before legal proceedings, attempt to resolve disputes through our grievance mechanism. These Terms are governed by Indian law, with exclusive jurisdiction in courts in Noida, India.

ACKNOWLEDGMENT AND ACCEPTANCE

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. If you do not agree, you must immediately discontinue use of our Services.