1. INTRODUCTION

This website and platform (“Platform”) is owned and operated by AtroTaraa Online Astrology Consultation Private Limited (hereinafter referred to as “Company”, “we”, “us”, or “our”).

The Platform provides access to astrology consultations, spiritual guidance, and allied services (“Services”) through various mediums including website, mobile applications, telecommunication, or third-party integrations.

By accessing or using the Platform, you agree to be legally bound by these Terms and Conditions (“Agreement”). If you do not agree, you must not use the Platform.

2. IMPORTANT DISCLAIMER AND EMERGENCY NOTICE

IF YOU ARE EXPERIENCING A MEDICAL EMERGENCY, MENTAL DISTRESS, OR ARE AT RISK OF HARMING YOURSELF OR OTHERS, YOU MUST IMMEDIATELY CONTACT LOCAL EMERGENCY SERVICES OR A CERTIFIED HELPLINE.

THIS PLATFORM IS NOT DESIGNED FOR EMERGENCY RESPONSE OR CRISIS MANAGEMENT.

The Services are not a substitute for professional medical, legal, financial, or psychological advice. Users must consult qualified professionals for such matters.

3. USER CONSENT

By using the Platform, you confirm that:

• You have read, understood, and accepted these Terms
• You consent to comply with all applicable laws
• You agree to be legally bound by this Agreement

Continued usage of the Platform implies acceptance of any updates made from time to time.

4. NATURE OF SERVICES

The Platform acts as an intermediary marketplace connecting users with independent service providers (“Consultants”).

Services may include:

• Astrology consultations
• Tarot readings
• Numerology and spiritual insights
• Reports and predictions
• Call, chat, video consultations

Services may be free, paid, or a combination of both.

The Company does not control, guarantee, or endorse the accuracy of any advice provided by Consultants.

5. ELIGIBILITY

To use the Platform:

• You must be at least 18 years old
• You must be capable of entering a legally binding contract under Indian law

The Company is not responsible for misuse by minors.

6. REGISTRATION AND ACCOUNT RESPONSIBILITY

Users must provide accurate and updated information during registration.

You are responsible for:

• Maintaining confidentiality of login credentials
• All activities conducted under your account
• Immediately reporting unauthorized access

The Company reserves the right to suspend or terminate accounts with false or misleading information.

7. ROLE OF SERVICE PROVIDERS

Consultants on the Platform:

• Operate independently
• Are not employees of the Company
• Are solely responsible for their advice and conduct

The Company:

• Does not guarantee accuracy of predictions
• Does not influence Consultant decisions
• Shall not be liable for outcomes of consultations

All interactions are at the user’s own risk.

8. LIMITATION OF ADVICE

All consultations:

• Are for personal insight and guidance only
• Do not constitute professional advice
• Should not be relied upon for critical decisions

Users must exercise independent judgment.

9. PROHIBITED USE

Users shall not:

• Post unlawful, abusive, or defamatory content
• Engage in harassment, hate speech, or discrimination
• Attempt unauthorized access or hacking
• Use the Platform for illegal activities
• Impersonate others or create multiple accounts

Violation may result in termination without notice.

10. PAYMENTS AND WALLET SYSTEM

The Platform may provide a digital wallet (“TaraaTalk Wallet”) for service credits.

Key conditions:

• Credits are non-transferable and non-withdrawable
• Credits do not represent legal currency
• Credits can only be used within the Platform

Types of credits:

• Real Credits – purchased by users
• Promotional Credits – provided by the Company

11. CREDIT VALIDITY AND EXPIRY

Each credit has a defined validity period.

Promotional credits:

• Expire within a specified duration (typically 14 days unless stated otherwise)

Purchased credits:

• May have validity up to 1 year or as specified

Expired credits:

• Shall not be refunded or reinstated unless required by law

Users are responsible for tracking expiry.

12. REFUND POLICY

Refunds are limited and subject to review.

No refunds shall be granted for:

• Completed consultations
• Dissatisfaction due to perceived accuracy
• Incorrect information provided by the user

Refunds may be considered only in cases such as:

• Technical issues affecting service delivery
• Consultant misconduct or non-performance

Approved refunds may be credited to wallet or original payment source at Company discretion.

13. CALL AND COMMUNICATION CONSENT

By using the Platform, you consent to receive:

• Calls, SMS, WhatsApp, or email communications
• Service-related notifications and updates

This applies even if your number is registered under Do Not Disturb (DND).

14. PRIVACY AND DATA USAGE

User data is collected and processed in accordance with applicable Indian laws including the Information Technology Act, 2000.

While reasonable safeguards are implemented, the Company shall not be liable for:

• Unauthorized access due to user negligence
• Cyber attacks or external breaches beyond control

15. CONTENT OWNERSHIP AND INTELLECTUAL PROPERTY

All Platform content is protected under intellectual property laws.

Users shall not:

• Copy, reproduce, or distribute content
• Use content for commercial purposes without permission

Unauthorized use may lead to legal action.

16. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

• The Platform is provided on an “as-is” basis
• No warranties are provided regarding accuracy or reliability
• The Company shall not be liable for any direct or indirect damages

Liability, if any, shall be limited to the amount paid by the user for the service.

17. INDEMNIFICATION

Users agree to indemnify and hold harmless the Company against:

• Claims arising from misuse of the Platform
• Violation of these Terms
• Infringement of third-party rights

18. TERMINATION

The Company reserves the right to:

• Suspend or terminate accounts without prior notice
• Restrict access for policy violations
• Remove content deemed inappropriate

19. FORCE MAJEURE

The Company shall not be liable for failure or delay in services due to events beyond reasonable control including:

• Natural disasters
• Government actions
• Network failures
• Cyber incidents

20. THIRD-PARTY LINKS

The Platform may contain links to third-party services.

The Company:

• Does not control or endorse third-party content
• Shall not be liable for any loss arising from their use

21. DISPUTE RESOLUTION AND JURISDICTION

All disputes shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996.

Seat of arbitration: Kolkata, West Bengal, India

Language: English

Courts in Kolkata shall have exclusive jurisdiction for interim relief and enforcement.

22. MODIFICATIONS TO TERMS

The Company reserves the right to modify these Terms at any time.

Users are responsible for reviewing updates periodically.

Continued use of the Platform constitutes acceptance of revised Terms.

23. CONTACT INFORMATION

For any queries or grievances, contact:

Email: support@taraatalk.com

24. FINAL ACKNOWLEDGEMENT

By using the Platform, you acknowledge that:

• You understand the nature and limitations of the Services
• You agree to assume full responsibility for your decisions
• You accept all risks associated with the use of the Platform