Terms and Conditions

These terms and conditions (Terms) govern your access and use of all AcchaDoc branded applications, websites (including our websites and platform located at https://acchadoc.com and https://acchadoc.in), content and products (AcchaDoc Platform) as well as the Services that are made available through the AcchaDoc Platform by Pai Group Inc., a Delaware C Corporation trading as 'AcchaDoc' (AcchaDoc, we, us or our).

By using any part of the AcchaDoc Platform, and in consideration of us providing you with access to it, you confirm that you agree to be bound by the Terms. If you use the AcchaDoc Platform for another person (Family Member), you confirm that you have legal authority to act for them (i.e. you are their parent or guardian) and you accept the Terms on their behalf. If you do not agree to the Terms, you must not access or use the AcchaDoc Platform or request Services.

1. Scope of Terms

1.1 The Terms set out how we provide the following (together, the Services):

• (a) access to, or the facilitation of communications with, independent registered medical practitioners who are registered with the Medical Council of India or applicable State Medical Councils (Partner Practitioners) who provide (at their discretion) healthcare services (including, but not limited to, medical certificates and specialist referrals);
• (b) facilitation of services from third-party health services providers (i.e. pathology or radiology providers) that we have direct or indirect arrangements with (Diagnostic Partners); and
• (c) providing you with access to the AcchaDoc Platform, which may contain records of your communications with Partner Practitioners and Diagnostic Partners (Partner Providers) and other medical information.

2. Amendments

You agree that AcchaDoc may amend these Terms from time to time and any amendments made will become effective upon AcchaDoc posting the updated Terms at this location. Where required by Law, we will notify you of amendments that materially affect your rights under these Terms and provide you with reasonable notice.

3. Our Role & the Role of Partner Providers

3.1 We are a technology platform, not a healthcare provider. We act as the developer and provider of the AcchaDoc Platform and our role is limited to:

• (a) taking feedback about the AcchaDoc Platform;
• (b) improving and modifying the AcchaDoc Platform (at our discretion); and
• (c) facilitating your access to, and use of, the AcchaDoc Platform so that you can request Services, subject to you paying the Fees.

3.2 Partner Practitioner relationship – You agree that:

• (a) we do not offer or provide medical or healthcare services and any communication from us or our staff is not medical advice or the provision of a healthcare service;
• (b) you form a "practitioner-patient" relationship with each Partner Practitioner that you consult with or otherwise obtain advice or an outcome from;
• (c) we are not a party to that "practitioner-patient" relationship;
• (d) your interactions with Partner Practitioners do not replace in-person care (including your visits to your general practitioner or family physician);
• (e) you are responsible for informing your general practitioner or family physician of any outcomes provided by a Partner Practitioner (including, but not limited to, any medical certificates or referrals) (Health Outcomes) or authorizing us in writing to transfer such information to your general practitioner or family physician.

3.3 Diagnostic Partner relationship – If a Partner Practitioner issues a referral for diagnostic services, we may offer to connect you with a Diagnostic Partner to carry it out. You are not required to use a Diagnostic Partner, and you may take your referral to any diagnostic provider of your choice. If you need a copy of your referral, you may ask us for it. If you choose a Diagnostic Partner to fulfill your referral, you acknowledge and agree:

• (a) the Diagnostic Partner sets its own timeframes for completing the referral and reporting results back to us;
• (b) you are responsible for following up the Diagnostic Partner about the completion of your referral.

3.4 No liability for Partner Providers – to the extent permitted by Law, you agree that we are not liable to you for any act or omission of any one or more Partner Provider, including in connection with any services, goods or outcomes that they provide.

4. Accounts, Verification and Access

4.1 Creating an Account – You must create an account (Account) using your personal email and your mobile number to receive and manage the Services, including communications and materials from AcchaDoc and Partner Providers (Materials). We may send verification codes or links to confirm your contact details. You agree that you are responsible for all activity on, and access to, your Account.

4.2 Account set-up – you must:

• (a) provide accurate, current and complete contact details;
• (b) not share your Account credentials or provide access to your Account to any third party (including family members or friends);
• (c) ensure the security, integrity and confidentiality of your email, mobile number and Account; and
• (d) notify AcchaDoc immediately at contact@acchadoc.in if you suspect unauthorized access to your email, mobile phone or otherwise to your Account.

5. Requests Through the AcchaDoc Platform

5.1 You represent and warrant that:

• (a) you are at least 18 years of age;
• (b) you have the legal right, authority and capacity to agree to, and abide by, the Terms;
• (c) you are capable of consenting to any health or medical treatment;
• (d) you have an Indian residential address;
• (e) you will be located in India each time you request and receive a Service; and
• (f) all the information that you provide to us and each Partner Provider is true, accurate, complete and up-to-date.

5.2 By accessing or using the AcchaDoc Platform, you acknowledge and agree that:

• (a) unless we commit otherwise, you are not able to choose the Partner Provider that provides a Service to you;
• (b) we do not guarantee the existence, availability, suitability, legality or safety of the AcchaDoc Platform, the Services or any other products or services;
• (c) we do not warrant or represent that the Services or other products or services are suitable for you or for any of your conditions; and
• (d) a Partner Practitioner will only consider one requested outcome for each request for a Service.

6. No Guarantee of Health Outcomes

You agree that:

• (a) Partner Practitioners have complete discretion to determine whether a Health Outcome is appropriate for you, including the method that they use to provide that Health Outcome to you; and
• (b) AcchaDoc and Partner Practitioners do not guarantee that you will receive the Service or a Health Outcome.

Without limiting the above, you acknowledge that Partner Practitioners are unable to provide backdated medical certificates.

7. Government Health Schemes and Insurance

7.1 Except as expressly stated by AcchaDoc, you agree that:

• (a) the Services provided by Partner Practitioners are not covered by government health schemes including Ayushman Bharat, CGHS, ECHS or state health insurance schemes; and
• (b) reimbursement claims under private health insurance or government schemes are your responsibility and are subject to your insurer's or scheme's terms and conditions.

7.2 We may provide you with receipts, medical certificates or other documentation to support your claims with insurers or government schemes, but we do not guarantee that such claims will be accepted or reimbursed.

8. Termination or Suspension of Access to AcchaDoc Platform

8.1 If you have requested a one-time Service, these Terms will terminate once that Service has been provided to you.

8.2 If you have requested a subscription for the Services (Subscription), these Terms will renew automatically for the period of the subscription that you have elected (for example, if you have elected a monthly subscription, your Subscription will renew on a monthly basis). You may terminate your Subscription at any time, and you will have access to the Services that are part of your elected Subscription through to the end of your billing period, unless you elect to cease access immediately.

8.3 To cancel your Subscription, you must contact us at contact@acchadoc.in. Except for a written termination notice provided by your authorized legal representative (for example, someone with a valid power of attorney), you agree that AcchaDoc will not accept termination notices provided by any other third party on your behalf.

8.4 We may suspend your Account, terminate the Subscription or your access to, or any use of, the AcchaDoc Platform (in whole or in part) and terminate these Terms:

• (a) immediately if we believe that: (i) you have breached the Terms; (ii) you may be at risk of harm or you may harm other individuals, including because of your use of the Services; or (iii) your conduct is, or is likely to, interfere with the AcchaDoc Platform, the Services or the rights of any third party; or
• (b) for any reason and without cause, by giving you 7 days' written notice.

9. Fees

9.1 Service Fees & Platform Access – AcchaDoc may charge you a one-off fee (One-off Fee) or a monthly fee or annual fee for a Subscription (Subscription Fee) in consideration for us providing you with access to the AcchaDoc Platform and the ability to request the relevant Services through the AcchaDoc Platform (Service Fees). AcchaDoc outlines the Service Fees on the AcchaDoc Platform prior to checkout. You agree that:

• (a) all Service Fees are payable in advance and are non-refundable, except as provided in these Terms and our Refund and Cancellation Policy;
• (b) all Service Fees and other fees, charges and prices are stated in Indian Rupees (₹) and are inclusive of applicable taxes (including GST) unless otherwise stated; and
• (c) you are responsible for paying all Service Fees and taxes and we reserve the right to charge you such applicable taxes.

10. Payment Method

You agree that all Service Fees (Fees) must be paid in advance with a valid credit or debit card, UPI, net banking or other payment methods we support (Payment Method). In addition, you agree that:

• (a) Subscription Fees must be paid monthly or annually (based on the type of Subscription that you choose) in advance through your elected Payment Method and access to the AcchaDoc Platform and any Services is conditional on timely payment of all Fees by you;
• (b) you authorize AcchaDoc, or its elected third-party payment processor, to charge your Payment Method in accordance with the Terms, including to carry out validation checks and authorizations and to automatically charge or debit your Payment Method based on the goods and services that you have chosen; and
• (c) if the Fees are not paid to us you remain responsible for any outstanding Fees not paid.

11. Refunds

11.1 Consumer Protection Rights – Nothing in these Terms limits your rights under the Consumer Protection Act, 2019 or other applicable consumer protection laws in India.

11.2 For detailed refund and cancellation terms, please refer to our Refund and Cancellation Policy.

12. Use of Platform

12.1 You may view the AcchaDoc Platform using a web browser or through an application installed on your mobile device solely for the purposes provided for in these Terms. You agree that:

• (a) you will only use the AcchaDoc Platform in accordance with these Terms and only for lawful purposes; and
• (b) any use other than the use specified under these Terms, including the modification, distribution, transmission, republication, display or performance of the content on the AcchaDoc Platform, is strictly prohibited.

AcchaDoc reserves the right to refuse access to, or prevent the use of, the AcchaDoc Platform to any person at its sole discretion at any time and without notice.

12.2 In accessing the Platform, you represent and warrant that you will not:

• (a) modify or copy the layout of the AcchaDoc Platform, the Services or any computer software and code contained in the AcchaDoc Platform;
• (b) commit any act or engage in any practice that: (i) is harmful to our systems, reputation or goodwill; (ii) interferes with, or disrupts the integrity of, the AcchaDoc Platform, including but not limited to, by hacking, transmitting any viruses, spyware, malware or any other unauthorized malicious code of a destructive or disruptive nature;
• (c) create accounts with us through unauthorized means, including by using an automated device, script, bot or other similar means;
• (d) restrict, or attempt to restrict, another person from using or enjoying the AcchaDoc Platform;
• (e) interfere with the privacy of another person or otherwise collect information about Users without their consent;
• (f) infringe our Intellectual Property Rights or any of our contractual or proprietary rights (including those of another person);
• (g) bypass any measures used to prevent or restrict access to the AcchaDoc Platform;
• (h) do any act, engage in any practice or omit to do any act or engage in any practice that: (i) is or could reasonably be considered obscene, illegal, offensive, inappropriate, defamatory, indecent, threatening or objectionable in any way; (ii) would cause us to breach any Laws; (iii) would bring us into disrepute; (iv) interferes with the integrity or supply of the AcchaDoc Platform to all Users;
• (i) encourage or facilitate violations of the Terms;
• (j) distribute or send communications that contain spam, chain letters, or pyramid schemes; or
• (k) harass, intimidate, act violently or inappropriately towards or be discriminatory against a User or our personnel.

13. Intellectual Property Rights

We own or license all rights, title and interest in the AcchaDoc Platform, including any Platform Content. You agree that:

• (a) your use of, and access to, the Platform Content does not grant or transfer any rights, title or interest to you in relation to the Platform Content;
• (b) your right to access and use the Platform Content is limited to the duration of your one-off use of a Service or Subscription and solely for your personal non-commercial use;
• (c) you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, reverse engineer, create derivative works from, transfer, or sell any Platform Content, AcchaDoc's Intellectual Property or any other material in whatever form contained within the AcchaDoc Platform.

14. User Content

14.1 You agree that:

• (a) we reserve the right, but we are not obliged, to monitor, review, verify, edit, modify or delete material, content, data or Personal Information created, generated or transmitted by you through the AcchaDoc Platform (User Content);
• (b) we do not control the accuracy of User Content;
• (c) we do not claim ownership of User Content; and
• (d) you have obtained all relevant consent and authorization required for the purpose of the User Content created, generated, transmitted by you through the AcchaDoc Platform.

14.2 You:

• (a) grant us a perpetual, non-exclusive, royalty-free, irrevocable, worldwide, assignable and transferable license to use, reproduce, modify, copy, store and share the User Content, for our business or commercial purposes;
• (b) consent to any act or omission which would otherwise constitute an infringement of your moral rights; and
• (c) if a third party has moral rights in your User Content, you must ensure the third-party consents in the same manner.

14.3 You must not create, upload or generate any User Content:

• (a) unless you hold all necessary rights, licenses and consents to do so;
• (b) that would cause you or us to breach any Law;
• (c) that we consider inappropriate, offensive, abusive, indecent or illegal; or
• (d) that infringes the rights, including intellectual property rights, of any third party.

15. Third Party Links

The AcchaDoc Platform may contain links and other pointers to websites or applications owned or operated by third parties (TP Links). You agree that:

• (a) we do not control the TP Links and are not responsible for any content in connection with such TP Links;
• (b) your access to any TP Links is entirely at your own risk and subject to any terms and conditions imposed by the third party provider of the TP Links;
• (c) you should contact the relevant third-party directly to enquire as to the accuracy and completeness of that information prior to accessing or using the TP Links.

16. Exclusions and Limitation of Liability

16.1 Other than the warranties, conditions, rights or guarantees implied by applicable Law, the exclusion of which would contravene such applicable Law or cause this clause to be void (Non-excludable Rights), you agree that the AcchaDoc Platform, and all Services, Health Outcomes, goods or services provided through it, are provided "as is" without any warranty or conditions. Nothing in these Terms has the effect of excluding, restricting or modifying the Non-excludable Rights.

16.2 Without limiting clause 16.1, you agree that we are not liable for any loss, damage, costs or expenses (including legal costs) (Losses) suffered or incurred by you or any other person in connection with:

• (a) any acts or omissions of Partner Providers;
• (b) the Services, Health Outcomes or any other products or services provided by Partner Providers;
• (c) any transmission or use of the User Content (unless our transmission or use breaches these Terms);
• (d) any access, disclosure or loss of Personal Information (including Records) caused, or contributed to, by Partner Providers.

16.3 If we are liable for a breach of a Non-excludable Right, to the extent permitted by applicable Law, we limit our liability to:

• (a) in relation to goods, repairing or replacing those goods, or paying the cost to have those goods repaired or replaced;
• (b) in relation to services, supplying those services again, or paying for the cost to have those services supplied again.

16.4 To the extent permitted by Law our total cumulative liability to you for all Losses suffered or incurred by you or any other person for all claims, whether arising in contract, negligence or any other tort, under statute or otherwise (Claim), is limited in aggregate to the Fees paid by you in the 12 months preceding the most recent Claim determined by reference to the date that the Claim arose.

16.5 To the extent permitted by Law, we will not be liable to you in respect of any Claim under, or in connection with, these Terms for any loss of profit, data (including loss of Records, Materials or User Content), goodwill or business, for any interruption to business, for any failure to realize anticipated savings or for any consequent, indirect, special, punitive or incidental Losses.

17. Indemnities Provided by You

You agree to indemnify, and hold harmless, AcchaDoc, its Affiliates, directors, officers, partners, employees, contractors and agents from any Losses suffered or incurred by them, resulting from, or in connection with:

• (a) your breach of the Terms;
• (b) your use of the AcchaDoc Platform or your violation of any laws or any third-party rights; and
• (c) any Claim by any person that had access to your Account or otherwise had access to the Services through you.

18. Privacy and Data Protection

18.1 You acknowledge and agree that:

• (a) we will collect, use and disclose any "Personal Data" and "Sensitive Personal Data or Information" (including health information) (as such terms are defined under the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000) (collectively, the Personal Information) when you access or use the AcchaDoc Platform, or when you request or receive a Service, in accordance with our Privacy Policy;
• (b) any Personal Information you provide us, may be provided to, and accessed by, more than one Partner Provider for the purpose of providing you with a Service or any other goods and services;
• (c) that we may record consultations and interactions with any one or more Partner Provider (where enabled) for training, quality assurance and security purposes;
• (d) AcchaDoc and Partners may contact you, or send Materials to you, via email, calls, text messages (SMS or any other form of text messages), WhatsApp or push notifications to your mobile device; and
• (e) AcchaDoc may contact you via email and text message for marketing purposes, which you can choose to opt-out from receiving at any time.

18.2 You also agree that:

• (a) Partner Providers will keep clinical and other records of their consultations and any interactions with you, which will include your Personal Information (Records);
• (b) it is each Partner Provider's responsibility to (where applicable) maintain the Record as required by Law; and
• (c) we may hold the Records and maintain them as required by Law and in accordance with our Privacy Policy.

19. Grievance Redressal

19.1 In accordance with the Information Technology Act, 2000 and the Consumer Protection Act, 2019, AcchaDoc has appointed a Grievance Officer to address your concerns regarding data protection, privacy, consumer rights and use of the AcchaDoc Platform.

19.2 If you are not satisfied with the resolution provided by our Grievance Officer, you may escalate your complaint to:

• The relevant District Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019; or
• The Data Protection Board of India (once constituted under the Digital Personal Data Protection Act, 2023).

20. General

20.1 Clauses 3, 4, 8, 9, 10, 11, 13 to 21 survive the expiration or termination of these Terms for any reason, together with these provisions which are expressly stated or by their nature are intended to survive the termination or expiration of these Terms.

20.2 No waiver of rights under the Terms will constitute a subsequent waiver of this or any other right under the Terms. Any failure on our part to enforce any right or provision of the Terms will not constitute a waiver of future enforcement of that right or provision.

20.3 If any provision of our Terms is unenforceable or invalid, it will be ineffective to the extent it is unenforceable or invalid and will not affect the enforceability or validity of the remaining provisions.

20.4 Governing Law and Jurisdiction – These Terms are governed by the laws of India. Subject to clause 19 (Grievance Redressal), you agree to submit to the exclusive jurisdiction of the courts located in Mumbai, India for the resolution of any disputes arising out of or relating to these Terms.

20.5 In these Terms, words importing the singular include the plural and vice versa. The expression "person" used in these Terms will include any individual, partnership, company or unincorporated association. References to "includes" and "including" shall be read as being immediately followed by the words "without limitation".

21. Contact Us

Your feedback is important to us and our community. We welcome and encourage you to provide feedback, reviews, comments, and suggestions for improvements to the Platform.

You may contact us at:

Email: contact@acchadoc.in

Website: https://acchadoc.in

22. Definitions

In these Terms:

• Affiliate means any entity that directly or indirectly controls, is controlled by, or is under common control of a party. 'Control', for purposes of this definition, means direct or indirect ownership or control of more than 50% of the voting interests of a party.
• Authority means: (a) any government or any governmental, semi-governmental, administrative, fiscal or judicial body, department, commission, authority, tribunal, agency or entity; or (b) any professional body or self-regulatory organization that performs statutory functions.
• Intellectual Property Rights means all intellectual property rights, including all copyright, patents, trade marks, design rights, trade secrets, domain names, know-how and other rights of a similar nature worldwide, whether registered or not, and any applications for registration or rights to make such an application.
• Law means any applicable law (including subordinate or delegated legislation or statutory instruments of any kind), judgment, order, policy or official directive or request (even if it does not have the force of law) of any Authority applicable to any of the parties.
• Platform Content means all Intellectual Property Rights in the AcchaDoc Platform, including the material (including all information, text, content, graphics, logos, type forms and software) that are made available on the AcchaDoc Platform.

© 2026 Pai Group Inc. (trading as AcchaDoc)

ALL RIGHTS RESERVED.

Terms last updated March 25, 2026