Terms of Service

This is an agreement between you — or the organisation you represent — and [LEGAL PLACEHOLDER – TO BE COMPLETED], operator of ZeroCredit AI at zerocreditai.com. By creating an account or using the service you accept these terms. You must be at least 18 and able to enter a binding contract. If you accept on behalf of an organisation, you confirm you are authorised to bind it, and "you" means that organisation. Administrators are responsible for the team members they invite.

ZeroCredit AI is an enterprise AI gateway: one OpenAI-compatible API that checks what each request needs, selects a compatible model and provider, and reports usage and cost, with caching, prompt optimization, budgets, analytics and team controls. You may connect your own provider keys (BYOK) or, where your plan includes it, use models we make available. Which features you get depends on your plan. We may change, add or withdraw features; we will not materially reduce a feature you are paying for without notice.

Keep your account information accurate, and keep your ZeroCredit API keys and provider credentials confidential. You are responsible for all activity under your account, including your team's. Tell us promptly at support@zerocreditai.com if you suspect unauthorised access, and rotate the affected keys.

Your use must comply with our Acceptable Use Policy, which forms part of these terms, and with the usage policies of any AI provider your requests reach. You must not resell or sublicense the service except as expressly permitted, and you must not reverse engineer or attempt to derive the source code of the service.

API access is subject to the rate limits and quotas published in our documentation and to any limits in your plan or order form. Rate-limit information is returned in response headers, and requests over the limit receive a standard rate-limit error. We may adjust limits to protect the service, and we will document changes. Provider availability, model availability, pricing and capabilities are set by the providers and can change without our control.

• You own your content. You keep all rights you have in the prompts, data, files and configurations you submit, and in the output you receive. We claim no ownership of either.
• You must have the rights to submit it and to have it transmitted to the provider that executes the call.
• The licence you give us is limited to what is needed to provide, secure, operate, troubleshoot and support the service for you, to comply with law, to enforce these terms, and to perform the disclosed analytics and optimization features you enable. Nothing broader.
• We do not train models on your content and do not use it to develop products for others.

Model output is generated by third-party AI models and is probabilistic. It may be inaccurate, incomplete, out of date or inconsistent between runs, and we do not warrant its correctness, originality or fitness for your purpose. You are responsible for reviewing output before relying on it. Output is not legal, medical, financial, tax or other professional advice, and must not be used in regulated or safety-critical contexts without qualified human oversight. Cost figures, savings estimates, forecasts and recommendations in the product are computed from provider-reported usage and published rates: they are estimates for planning, not a guarantee of a result or a substitute for your provider's invoice.

We and our licensors own the service and all intellectual property in it, including its software, routing and optimization technology, documentation, branding and design, protected under Indian copyright and trade mark law and equivalent laws elsewhere. We grant you a limited, non-exclusive, non-transferable right to use the service in accordance with your plan. Third-party names, models and logos remain the property of their owners. Reports of infringement can be sent as described in our Legal Centre.

The service depends on third-party AI providers, infrastructure and payment providers. Their acts, outages, policy changes, pricing changes and model deprecations are outside our control. Where you use your own provider keys, your agreement with that provider governs that usage and you pay them directly; those charges are not part of your ZeroCredit AI subscription. Our subprocessors are listed on our Subprocessors page.

We work to keep the service available and performant, and we publish a status endpoint. We do not currently offer a contractual uptime commitment, and we will not imply one: uninterrupted or error-free operation is not guaranteed. Planned maintenance, provider outages and features marked beta may affect availability. If you need committed availability terms, raise it during enterprise contracting.

Paid plans are charged as a one-off payment covering 30 days of access at the price shown at checkout. Nothing renews automatically: access simply ends unless you pay again, so there is no recurring mandate to cancel. Prices may change, and the price shown at the time of a purchase is the price for that purchase.

Payments are collected through Razorpay Software Private Limited, our payment gateway, which supports UPI, cards, netbanking and wallets. We are the seller of record, we issue your invoice, and we handle support, billing enquiries and refunds directly. Card details are handled by Razorpay and never reach our systems.

Prices are exclusive of taxes unless stated otherwise. Applicable indirect taxes, including Indian GST where it applies, are charged in addition and shown at checkout or on your invoice. If your organisation requires its GSTIN on the invoice, provide it before paying. Where a supply qualifies as an export of services, or where a reverse charge applies to you, the treatment shown on the invoice applies. We do not give tax advice; your own tax position is for your advisers.

Failed payments simply mean paid access does not start or continue. Refunds and cancellation are covered by our Refund & Cancellation Policy.

We may suspend or terminate access for material breach of these terms or the Acceptable Use Policy, non-payment, or security, legal or fraud risk — with notice where reasonably practicable, and immediately where the risk requires it. You may stop using the service and delete your account at any time. On termination your licence ends; you can export your data for 30 days, after which we delete or anonymise it in line with our Privacy Notice. Backups expire on their ordinary rotation. We are not a backup service: keep your own copies of anything you need.

Each party may receive non-public information from the other. Each will use it only to perform this agreement and protect it with at least reasonable care, excluding information that is public, independently developed, or lawfully received from a third party. Disclosure required by law is permitted, with notice to the other party where lawful.

Our handling of personal data is described in our Privacy Notice. Our security controls are described on our Security Overview. Where you submit personal data to the platform, our Data Processing Addendum applies; if your organisation requires a signed DPA, contact support@zerocreditai.com — accepting these website terms is not a substitute for one.

We warrant that we will provide the service with reasonable skill and care. To the maximum extent permitted by applicable law, and except as expressly stated in these terms, the service is provided "as is" and we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. Nothing in these terms excludes or limits any statutory right that cannot lawfully be excluded or limited.

To the maximum extent permitted by applicable law, neither party is liable for indirect, incidental, special or consequential loss, or for loss of profits, revenue, anticipated savings, data or goodwill. To the maximum extent permitted by applicable law, our total aggregate liability arising out of or relating to the service is limited to the fees you paid us in the 12 months before the event giving rise to the claim. These limits do not apply to liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, a party's breach of the other's intellectual property rights, your obligation to pay fees due, or any liability that applicable law does not permit us to limit. We are not claiming we are never responsible for anything — only that our responsibility is proportionate to what you pay us.

You will indemnify us against third-party claims, losses and reasonable costs arising from your content, your unlawful or infringing use of the service, or your breach of these terms or the Acceptable Use Policy. We will notify you promptly of any such claim, let you control its defence for claims that are solely about your content or conduct, and cooperate reasonably at your expense. You may not settle a claim in a way that imposes an obligation on us without our consent.

Neither party is liable for delay or failure caused by events beyond its reasonable control, including internet or infrastructure failure, third-party provider outages, natural events, government action or industrial disputes. Payment obligations already due are not excused.

Please raise any problem with us first through our grievance process — most issues are resolved there. If a dispute remains, the parties will attempt to resolve it in good faith within 30 days of written notice before commencing proceedings.

These terms are governed by the laws of India, and the courts of India have jurisdiction, without prejudice to mandatory protections available to you under the law of your country of residence. Where an enterprise agreement specifies arbitration or another forum, that agreement governs.

Legal notices to us go to support@zerocreditai.com, with a copy to our registered office at [LEGAL PLACEHOLDER – TO BE COMPLETED]. Notices to you go to your account email or to a notice in the product.

You may not assign this agreement without our consent; we may assign it in connection with a merger, acquisition or sale of assets. If a provision is unenforceable, the rest remains in effect, and the unenforceable provision is read down to the minimum extent necessary. There are no third-party beneficiaries. Failure to enforce a right is not a waiver of it.

These terms, together with the Acceptable Use Policy, Privacy Notice, Refund Policy and any Data Processing Addendum, are the entire agreement between us for the service. Where you have signed an order form, subscription agreement, enterprise agreement or DPA with us, that document prevails over these terms to the extent it expressly says so.

We may update these terms. The effective date, last-updated date and version above will change, and we will notify you by email or in the product where the changes are material. Continuing to use the service after changes take effect means you accept them; if you do not, stop using the service and close your account.

[LEGAL PLACEHOLDER – TO BE COMPLETED] — support: support@zerocreditai.com, general: hello@zerocreditai.com. All documents are listed in our Legal Centre.