1. Terms of Service

These Terms of Service (“Terms”) govern access to and use of MinVisor’s website, mobile or web application, services, content, payment flows, expert discovery tools, question-response features, audio/video response features, short live call features, waitlist, communications, and related platform services (collectively, the “Platform”).

By creating an account, accessing the Platform, submitting a question, booking an expert interaction, making payment, responding as an expert, or otherwise using MinVisor, you agree to these Terms. If you do not agree, do not use the Platform.

1.1 About MinVisor

MinVisor is a technology, discovery and facilitation platform that enables users to discover independent verified experts and request limited guidance in approved formats such as text responses, audio/video recorded responses, and short live calls. MinVisor is not the provider of the expert’s professional advice and does not independently provide medical, legal, financial, psychological, nutrition, fitness, skincare, career, business or other regulated services.

1.2 User eligibility and account security

• You must be legally competent to enter into a binding agreement under applicable law. Users below the age of 18 may use the Platform only through a parent or legal guardian, where permitted by law and platform policy.
• You are responsible for maintaining the confidentiality of your login credentials, OTPs, devices, and account activity
• You must provide accurate account, payment, tax, contact and profile information. MinVisor may refuse, suspend or terminate access if information is inaccurate, misleading, incomplete or used for fraud.

1.3 Nature of expert interactions

• Experts are independent professionals, entities, employees, consultants or service providers and are not employees, agents, partners or representatives of MinVisor unless expressly stated in writing.
• Users choose the expert they wish to ask. MinVisor does not guarantee that any expert will accept every request, respond in a particular way, provide a specific outcome, or solve the user’s issue.
• Expert responses are based on the information submitted by the user and are limited in scope. Users are responsible for deciding whether to act on any guidance and should seek formal professional advice where required.

1.4 Prohibited uses

• Using the Platform for emergency, crisis, diagnosis, prescription, treatment, self-harm, illegal, abusive, fraudulent, defamatory, obscene, exploitative or harmful purposes.
• Uploading false, misleading, incomplete, unlawful, confidential, infringing or third-party information without authority.
• Recording, copying, scraping, redistributing, publishing, reselling, impersonating, manipulating, reverse engineering, bypassing security, or misusing the Platform or expert responses.
• Harassing experts, users, MinVisor staff, or attempting to solicit off-platform transactions, personal contact details, direct payments, or private consultations where prohibited by MinVisor.

1.5 Payments, fees, taxes and refunds

User-facing prices, taxes, platform fees, expert fees and available response formats will be displayed before payment where practicable. Payments are processed through third-party payment gateways and banks. MinVisor may refuse or reverse transactions suspected of fraud, misuse, chargeback risk, payment failure or policy violation.

Refunds and cancellations are governed by the Refund & Cancellation Policy. Fees are not automatically refundable merely because the user disagrees with, dislikes, or chooses not to act on an expert’s response.

1.6 Intellectual property and content use

The Platform, brand, design, software, workflows, databases, copy, logos, trademarks, graphics and platform materials are owned or licensed by MinVisor. Expert responses and expert-owned materials remain owned by the applicable expert or rights holder, subject to the limited rights needed for delivery, user access, support, dispute resolution, compliance and record-keeping.

User access to expert responses is for personal, non-commercial use only. Users may not reproduce, redistribute, publish, post, sell, license, train AI systems on, commercially exploit, edit out of context, or misuse expert responses, recordings, transcripts, images, voice samples, likeness or related content without written consent from the applicable rights holder.

1.7 Platform availability and changes

MinVisor may modify, suspend, discontinue or restrict any part of the Platform, feature, format, expert listing, pricing display, ranking, category, campaign, user interface or workflow at any time, subject to applicable law and any written commitments to experts. MinVisor does not guarantee uninterrupted, error-free or always-available access.

1.8 Suspension and termination

MinVisor may suspend or terminate any user or expert account, hide content, pause payouts, restrict bookings, cancel requests, or take other platform action where it reasonably believes there is fraud, abuse, safety risk, legal risk, non-delivery, harmful conduct, intellectual property misuse, data misuse, payment failure, chargeback risk, policy breach or reputational harm.

1.9 Limitation of liability

To the maximum extent permitted by law, MinVisor shall not be liable for indirect, incidental, special, punitive or consequential damages, loss of profits, loss of business, loss of data, loss of goodwill, reputational harm, user decisions, expert advice, or third-party acts. MinVisor’s aggregate liability for claims arising from user use of the Platform shall not exceed the amount paid by the relevant user to MinVisor for the specific transaction giving rise to the claim, except where such limitation is prohibited by applicable law.

1.10 Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to applicable consumer rights and mandatory law, courts at Mumbai, Maharashtra shall have jurisdiction.

2. Privacy Policy

This Privacy Policy explains how MinVisor collects, uses, stores, shares, protects and deletes personal data when users, experts, waitlist members, website visitors or business contacts interact with the Platform.

2.1 Personal data we collect

• Account and identity data : Name, Mobile number, Email address, OTP verification details, age confirmation, city/country, login information and profile details.
• Expert verification data : identity documents, professional qualifications, licenses, certificates, experience, social handles, profile photographs, bios, references, business information and payout/tax details.
• Transaction data : selected expert, response format, question details, payment status, invoice details, refunds, chargebacks, discount codes, taxes and payment gateway reference IDs.
• Interaction data : user questions, expert responses, audio/video responses, chat/support messages, call scheduling data, ratings, reviews, complaints and moderation records.
• Technical data : IP address, device identifiers, browser type, app version, cookies, analytics events, crash logs, security logs and approximate location derived from device or network data.
• Consent and preference data : marketing preferences, cookie choices, privacy requests and communication preferences

2.2 How we use personal data

• To create accounts, verify login, onboard experts, display expert profiles, process questions, route requests, deliver responses and manage bookings.
• To process payments, refunds, invoices, taxes, payouts, reconciliation, fraud checks, chargebacks and customer support.
• To verify experts, moderate content, enforce policies, investigate complaints, prevent misuse, protect users and maintain platform integrity.
• To send service updates, waitlist updates, launch communications, reminders, support messages, policy updates and marketing communications where permitted.
• To improve the Platform, debug issues, perform analytics, understand demand, develop features and maintain security.
• To comply with law, legal process, tax, audit, regulatory, data protection, consumer protection, dispute resolution and record retention obligations.

2.3 Legal basis and consent

Where consent is required, MinVisor will seek consent in a clear manner and use personal data for the stated purpose. Where permitted by law, MinVisor may also process data for lawful uses connected with providing requested services, enforcing terms, safety, fraud prevention, legal compliance, grievance handling, payment processing and legitimate platform operations.

2.4 Sharing of personal data

MinVisor may share limited personal data with selected experts, expert entities, payment gateways, banks, cloud hosting providers, analytics providers, communication tools, legal/tax/audit advisors, customer support tools, fraud prevention vendors, regulators, law enforcement, courts or other parties where necessary for platform operation, legal compliance, user safety, dispute resolution or consented purposes.

MinVisor does not sell user personal data.

2.5 Children and minors

The Platform is not intended for unsupervised use by minors. If MinVisor permits a minor-related request, MinVisor may require parent/legal guardian consent and may restrict certain categories of expert guidance. MinVisor may delete or restrict accounts or requests where it believes minor safety, medical risk or legal compliance is implicated.

2.6 Data retention

MinVisor retains personal data only for as long as reasonably necessary for platform operation, user access, expert response delivery, legal compliance, tax, audit, security, fraud prevention, dispute resolution, payout records, grievance handling and legitimate business records. User questions and expert responses may be retained for support, compliance, dispute and record-keeping purposes even after account closure where legally or operationally necessary.

2.7 Security

MinVisor uses commercially reasonable technical and organizational safeguards to protect personal data. No system is fully secure. Users and experts are responsible for protecting their own devices, passwords, OTPs and account access.

2.8 Data principal rights

Subject to applicable law and verification, users may request access, correction, updating, deletion, grievance redressal, withdrawal of consent and nomination rights where applicable. Requests may be sent to [privacy@minvisor.com]. MinVisor may decline or limit requests where retention is required for legal, tax, audit, security, fraud prevention, dispute resolution or contractual purposes.

2.9 Data breach notification

Where required by applicable law, MinVisor will notify affected individuals and/or relevant authorities of personal data breaches in accordance with applicable timelines and procedures.

2.10 Contact

Privacy contact : [info@minvisor.com]

Grievance Officer: [Dev Shah, CEO, dev.shah@minvisor.com]

3. Refund & Cancellation Policy

This Refund & Cancellation Policy applies to paid user interactions on MinVisor, including text responses, audio/video recorded responses and short live calls, unless a category-specific policy is displayed at checkout.

3.1 General position

MinVisor is a platform that facilitates expert access. Once an expert has accepted a request and delivered a response or completed the booked interaction, fees are generally non-refundable except as expressly stated below or required by law.

3.2 Eligible refund situations

• The selected expert declines the request and no replacement or rescheduling is accepted by the user.
• The expert does not deliver the accepted response within the displayed timeline and a reasonable grace/support period, unless delay was caused by the user or force majeure.
• The user was charged twice for the same request and the duplicate charge is verified.
• A technical failure attributable to MinVisor prevents delivery of the paid interaction and MinVisor cannot reasonably provide an alternative.
• The expert response is materially abusive, fraudulent, impersonated, or violates MinVisor’s user safety standards, as determined by MinVisor acting reasonably.

3.3 Non-refundable situations

• The user dislikes, disagrees with, or does not act on an expert’s opinion after delivery.
• The user submitted incomplete, incorrect, misleading or insufficient information.
• The user expected a diagnosis, prescription, guaranteed result, detailed treatment plan, legal/financial decision, emergency advice or ongoing consultation beyond the purchased format.
• The user missed a scheduled live call without timely cancellation or rescheduling as per the applicable rules.
• The user violated platform policies, attempted off-platform contact, abused experts or misused expert content.

3.4 Cancellations by format

• Text and audio/video responses: No cancellations allowed.
• Short live calls: A user may reschedule or cancel only within the displayed cancellation window. Late cancellations, no-shows or repeated rescheduling may be non-refundable. If the expert cancels or misses the call, MinVisor may offer rescheduling, credit, replacement or refund.

3.5 Refund decision and process

MinVisor may determine refunds, credits, reversals, rescheduling, reallocation or support resolutions in accordance with this Policy, platform rules and applicable law, acting reasonably and in good faith. Where an issue relates to expert performance, MinVisor may seek the expert’s response where practicable before issuing a refund or payout adjustment, but may take immediate action for safety, fraud, chargebacks, legal compliance or urgent support reasons.

3.6 Processing timeline

Approved refunds will be initiated within a reasonable period after verification. Actual credit to the user’s account depends on banks, card networks, UPI/payment gateways and payment method timelines. Payment gateway charges, taxes or convenience charges may be non-refundable where permitted by law and payment partner rules.

4. Disclaimer Policy

MinVisor provides a technology platform for users to access independent experts. MinVisor does not provide professional advice and does not guarantee the accuracy, completeness, suitability, safety, legality or outcome of any expert response.

4.1 No emergency use

MinVisor is not an emergency service. Do not use MinVisor for urgent medical, mental health, self-harm, crisis, safety, legal, financial, law enforcement or emergency situations. Contact emergency services, a qualified professional, hospital, crisis helpline or appropriate authority immediately.

4.2 No doctor-patient, lawyer-client, fiduciary or formal professional relationship

Using MinVisor does not automatically create a doctor-patient, lawyer-client, therapist-client, financial advisor-client, fiduciary, employment, agency or formal advisory relationship with MinVisor or any expert, unless separately agreed directly and lawfully between the user and the expert outside MinVisor’s platform rules.

4.3 Category disclaimers

• Health, nutrition, fitness and skincare: guidance is general and informational unless expressly stated otherwise. It is not a substitute for diagnosis, treatment, prescription, emergency care, clinical examination or medical advice from a qualified healthcare professional.
• Finance education: guidance is educational and not personalized investment, tax, legal, insurance or securities advice unless provided by an appropriately licensed professional under a separate engagement. Users are responsible for independent due diligence.
• Business, career and startup guidance: responses are opinion-based guidance and do not guarantee funding, jobs, revenue, compliance, growth or outcomes.
• Legal and regulated categories: if enabled, experts may provide general information only unless their qualifications, scope and engagement terms permit regulated advice.

4.4 User responsibility

• Users are responsible for the accuracy of information submitted and for decisions taken based on expert responses.
• Users should independently verify information and seek in-person or formal professional advice where needed.

5. Recording Policy

This Recording Policy governs text, audio/video recorded responses, short live calls, screenshots, screen recordings, downloads, transcripts and any capture of expert interactions on MinVisor.

5.1 Audio/video responses

Where a user purchases an audio/video recorded response, the expert’s response may be recorded, stored and made available to the purchasing user through MinVisor for personal, non-commercial use only. MinVisor may retain a copy for user access, support, quality review, dispute resolution, security, legal compliance, tax/audit and platform records.

5.2 Live calls

Live calls are not recorded by MinVisor by default unless the platform specifically displays otherwise and required consent is obtained, or recording is legally required/permitted for security, compliance or dispute handling. Users and experts may not record, screenshot, screen-record, livestream or redistribute live calls without consent from all required parties and MinVisor, where applicable.

5.3 Prohibited recording and reuse

Users may not repost, publish, redistribute, edit out of context, sell, train AI systems on, use for voice cloning, or commercially exploit expert responses, recordings, transcripts, screenshots, images, voice samples or likeness without written consent from the relevant rights holder.

5.4 Misuse

MinVisor may suspend accounts, remove access, refuse refunds, report misconduct, cooperate with legal requests, or take civil/criminal action where recording or reuse violates this Policy, the Terms of Service, expert rights, privacy rights or applicable law.

6. Copyright & Content Takedown Policy

MinVisor respects intellectual property rights and expects users, experts and third parties to do the same.

6.1 Ownership

• MinVisor owns or licenses the Platform, brand, software, workflows, logos, website content, designs, databases and platform materials.
• Experts or their entities retain ownership of their pre-existing materials, names, likeness, expertise materials, methodologies and original responses, subject to the limited rights required for delivery and platform operations.
• Users retain ownership of content they submit, but grant MinVisor the rights needed to process, route, store, display, support, moderate and resolve disputes relating to their request

6.2 Prohibited infringement

Users and experts must not upload, submit, share, copy, publish, reproduce, distribute or commercially exploit content without proper rights or authorization. This includes copyrighted materials, third-party images, private documents, confidential information, screenshots, videos, music, trademarks and proprietary frameworks.

6.3 Takedown requests

Rights holders may submit a takedown request to [info@minvisor.com] with: (a) name and contact details; (b) identification of the copyrighted/trademarked work; (c) URL or location of allegedly infringing content; (d) proof of rights or authority; (e) good faith statement; and (f) signature/electronic confirmation.

6.4 MinVisor action

MinVisor may remove, restrict, disable access to, or investigate allegedly infringing content at its discretion. MinVisor may request additional information, notify the affected user/expert, allow counter-submissions where appropriate, terminate repeat infringers and preserve records for legal purposes.

7. Grievance Redressal Policy

This Grievance Redressal Policy explains how users, experts and third parties may submit complaints relating to the Platform, including content, payments, refunds, account access, expert conduct, privacy, intellectual property, safety and policy violations.

7.1 Grievance Officer

Grievance Officer : Dev Shah

Designation : CEO

Email : dev.shah@minvisor.com

7.2 How to complain

Complaints should include the complainant’s name, contact details, account email/mobile, transaction ID if any, expert/user name if relevant, screenshots or evidence, description of issue, requested resolution and whether urgent safety concerns are involved.

7.3 Timelines

MinVisor will acknowledge grievances within twenty-four (24) hours where required by applicable law or otherwise within a reasonable period. MinVisor will endeavor to resolve grievances within fifteen (15) days, and consumer/payment matters within thirty (30) days where applicable, subject to the complexity of the issue, third-party dependencies, payment gateway/bank timelines, expert response, legal review or required investigation.

7.4 Urgent content and safety issues

For urgent safety, impersonation, explicit abuse, self-harm, fraud, illegal content, privacy breach, unauthorized recording or intellectual property misuse, MinVisor may restrict access, pause accounts, remove content or take interim measures while investigating.

7.5 Escalation

If a user is dissatisfied with the response, they may reply to the grievance thread with additional facts. MinVisor may escalate internally to legal, operations, finance, expert success, payment gateway or data protection teams as required.

8. Expert Verification Policy

This Expert Verification Policy explains MinVisor’s approach to onboarding, reviewing and displaying experts who apply to participate on the Platform.

8.1 Verification is not a guarantee

MinVisor may verify identity, credentials, experience, public presence, professional claims and category fit using documents, public sources, references, interviews or third-party checks. Verification does not guarantee an expert’s advice, outcome, suitability, license status at all times, or regulatory compliance beyond the information reviewed.

8.2 Information experts may need to provide

• Identity, contact and address details.
• Professional qualifications, certificates, licenses, registrations, memberships, work experience, portfolio, social profile links, references and category expertise.
• Entity details, tax details, GST/PAN, payout bank details and authorized representative information where applicable.
• Profile assets such as photo, bio, category, pricing, response formats, availability and disclaimers.

8.3 Review rights

MinVisor may approve, reject, pause, delist, re-verify or limit an expert at its discretion where information is incomplete, unverifiable, misleading, outdated, risky, disputed, outside platform category scope, or inconsistent with MinVisor’s trust and safety standards.

8.4 Expert obligations

Experts must keep credentials accurate and updated, respond within agreed timelines, stay within professional scope, avoid guaranteed outcomes, maintain confidentiality, comply with platform rules and inform MinVisor of any license suspension, complaint, conflict, limitation, disciplinary action or material change.

9. Platform Rules & Community Guidelines

These Guidelines apply to all users, experts, waitlist members, visitors and anyone interacting with MinVisor.

9.1 Respectful conduct

• No harassment, abuse, threats, hate, discrimination, sexual harassment, stalking, intimidation or bullying.
• No impersonation, fake accounts, false credentials, fake reviews, misleading claims or manipulated screenshots.
• No spam, scams, phishing, malware, scraping, automated abuse, reverse engineering or security bypassing.

9.2 Safe and lawful use

• Do not request or provide emergency care, diagnosis, prescriptions, illegal instructions, self-harm guidance, violence, exploitation, regulated services outside lawful scope or harmful instructions.
• Do not share third-party personal data, confidential documents, medical records, financial data or private content unless you have authority and it is necessary for the request.
• Do not seek personal phone numbers, emails, direct payments, off-platform transactions or private arrangements where prohibited by MinVisor.

9.3 Content standards

Questions, responses, reviews and messages must be relevant, lawful, respectful, accurate to the best of the sender’s knowledge and within platform scope. MinVisor may remove, restrict or moderate content that violates these Guidelines.

10. Review, Ratings & Public Feedback Policy

MinVisor may allow users to rate, review or provide feedback on expert interactions. Reviews help improve trust and platform quality, but must be honest, lawful and based on real interactions.

10.1 Prohibited reviews

• Fake, paid, coerced, retaliatory, defamatory, abusive, obscene, discriminatory, spam or irrelevant reviews.
• Reviews containing private information, medical details, confidential business data, personal contact details or threats.
• Reviews by competitors, affiliated parties, undisclosed employees or users with conflicts of interest unless disclosed and allowed by MinVisor.

10.2 Moderation

MinVisor may remove, hide, restrict, investigate or decline to publish reviews, ratings, complaints or feedback that MinVisor reasonably determines to be fraudulent, abusive, defamatory, obscene, spam, conflict-driven, unrelated to the relevant interaction, or demonstrably false. MinVisor is not required to remove genuine user feedback merely because it is negative, provided it is not unlawful or violative of platform policy.

10.3 Expert responses to reviews

MinVisor may allow experts to respond to reviews through an approved process. Expert responses must be professional, non-retaliatory and must not disclose user personal data or confidential information.

11. AI, Voice, Likeness & Content Use Policy

This Policy protects expert and user content from unauthorized AI, voice, likeness and synthetic media use.

11.1 MinVisor use

MinVisor shall not use expert responses, recordings, transcripts, images, voice samples, likeness or related expert content for machine learning, artificial intelligence model training, large language model training, voice cloning, synthetic media generation or derivative AI products without prior written consent from the relevant rights holder.

11.2 User restrictions

Users may not use expert responses, recordings, transcripts, images, screenshots, voice samples or likeness for AI training, prompt datasets, synthetic media, voice cloning, deepfakes, impersonation, commercial exploitation, reposting or redistribution without written consent from the relevant rights holder.

11.3 Permitted operational use

MinVisor may use content and metadata for operational purposes such as delivery, storage, support, security, fraud prevention, moderation, dispute resolution, legal compliance, quality review and analytics, provided such use does not train public or third-party AI models on identifiable expert content without consent.

12. Cookie Policy

MinVisor may use cookies, pixels, SDKs, local storage, analytics tags and similar technologies to operate and improve the Platform.

12.1 Types of cookies

• Essential cookies : login, OTP, security, payment flow, fraud prevention and platform functionality.
• Analytics cookies : traffic, feature usage, performance, error tracking and product improvement.
• Preference cookies : language, device, display and saved choices.
• Marketing cookies : campaign measurement, remarketing and waitlist/launch communication effectiveness, where permitted.

12.2 User choices

Users may control cookies through browser settings, device settings or platform cookie controls where available. Disabling essential cookies may affect platform functionality.

13. User Safety & Emergency Use Policy

MinVisor is designed for limited expert guidance, not emergencies. Users must not use MinVisor as a substitute for emergency services, crisis support, diagnosis, medical treatment, prescription, legal representation, investment execution or regulated professional engagement unless specifically and lawfully offered by an appropriate professional.

13.1 High-risk situations

MinVisor may decline, redirect, refund, remove or escalate requests involving emergencies, self-harm, eating disorders, severe medical symptoms, pregnancy risk, medication changes, diagnosis, violence, abuse, exploitation, illegal conduct, minors, or other high-risk matters.

13.2 Expert right to decline

Experts may decline requests outside their scope, requiring in-person care, formal engagement, emergency support, additional documentation, or regulated advice beyond the purchased format.

14. Child and Minor Safety Policy

MinVisor is intended primarily for adults. If minors access the Platform or if a request concerns a minor, MinVisor may require parent/legal guardian consent and may restrict the type of guidance available.

14.1 Restricted minor-related requests

MinVisor may refuse or redirect requests involving child health, eating disorders, mental health crisis, abuse, pregnancy risk, prescription changes, diagnosis, treatment decisions, school/legal disputes or other sensitive matters unless handled under appropriate consent, safeguards and professional scope.

14.2 Account action

MinVisor may suspend or delete accounts, restrict content, refuse service or contact guardians/authorities where required or permitted by law to protect minors.

15. Payment, Taxes & Payout Transparency Note

This public note may be adapted for users and experts. It should align with MinVisor’s expert agreements and payment gateway setup.

15.1 Users

Users will see applicable expert fees, taxes and available payment methods before checkout where practicable. Payment confirmation does not guarantee expert acceptance if the request is outside scope or unavailable; in such cases MinVisor may offer refund, credit or reallocation under the Refund & Cancellation Policy.

15.2 Experts

Expert payouts, platform commissions, taxes, TDS, GST, gateway charges, discounts, payout cycles and withholding rules are governed by the applicable expert agreement, platform policies and law. MinVisor may withhold or adjust payouts for refunds, chargebacks, disputes, fraud, non-delivery, incomplete responses, policy violations or legal compliance.

16. User and Expert Acceptance of Platform Terms

16.1 Incorporation of MinVisor Policies

The following policies, as amended from time to time, form an integral part of these Terms of Service and are incorporated into these Terms by reference:

• Privacy Policy;
• Refund & Cancellation Policy;
• Disclaimer Policy;
• Recording Policy;
• Platform Rules & Community Guidelines;
• Expert Verification Policy, where applicable;
• AI & Content Use Policy; and
• any additional policies, guidelines or terms expressly made applicable to a particular MinVisor service or feature.

By accepting these Terms, the User or Expert, as applicable, agrees to comply with all policies applicable to their use of MinVisor.

16.2 User Acceptance

By accepting these Terms, the User acknowledges and agrees, among other things, that:

• MinVisor is a technology, discovery and facilitation platform that enables Users to connect with independent Experts.
• Unless expressly stated otherwise, MinVisor itself does not provide medical, financial, investment, legal, mental-health, fitness, nutrition, skincare, business or other professional advice.
• Expert responses are based on the information provided by the User and are intended for general informational and guidance purposes within the scope of the relevant Expert's expertise.
• MinVisor does not guarantee any particular result, outcome, benefit, financial return, diagnosis, treatment result, business result or other consequence from any Expert interaction.
• MinVisor is not an emergency service. Users must contact an appropriate qualified professional, hospital, emergency service or authority where urgent or immediate assistance is required.
• Users are responsible for ensuring that information, documents, photographs, records and other materials submitted through MinVisor are accurate, lawful and authorized to be shared.
• Users must not submit confidential third-party information, another person's medical or financial records, private images, identification documents, passwords or other information that they do not have the legal right or authority to disclose.
• Where a User submits information concerning a minor, the User confirms that they are the parent or legal guardian of the minor or otherwise possesses appropriate authority to provide the information and request the interaction.
• Experts and MinVisor may decline, limit, redirect, cancel or refund a request where the request involves an emergency, unlawful conduct, matters outside the Expert's professional scope, inappropriate requests, insufficient information, safety concerns or circumstances prohibited under MinVisor's policies.
• Expert responses, including text, audio, video, documents, images, recordings, transcripts, voice, likeness and other materials, are provided for the User's personal and non-commercial use unless otherwise expressly permitted.
• Users must not copy, record, screen-record, reproduce, publish, redistribute, sell, license, commercially exploit, create unauthorized derivative works from, clone the voice or likeness of an Expert, create synthetic media from Expert content, or use Expert content for machine learning, artificial intelligence model training, large language model training or similar technologies without appropriate written authorization.
• Live calls and other Expert interactions may not be independently recorded, screen-recorded, published or redistributed by Users unless expressly authorized in writing.
• Live calls and other Expert interactions may not be independently recorded, screen-recorded, published or redistributed by Users unless expressly authorized in writing.
• Ratings and reviews must be honest, factual, relevant and based on the User's actual MinVisor interaction. MinVisor may moderate or remove content that violates its policies, while genuine negative feedback may remain visible.

16.3 Expert Acceptance

By accepting these Terms, the Expert confirms and agrees that:

• All information, qualifications, licenses, certifications, experience, photographs, credentials, profile information and documents submitted to MinVisor are true, accurate, current and authorized for use.
• The Expert will provide guidance only within areas in which the Expert has appropriate knowledge, qualifications, experience or professional authority.
• The Expert will comply with all professional, legal, regulatory and ethical obligations applicable to the Expert and the services or guidance provided.
• The Expert will not provide advice or services through MinVisor where doing so would violate applicable law, professional obligations or MinVisor's policies.
• The Expert may decline or redirect a request where the request falls outside the Expert's scope, involves an emergency or immediate professional intervention, is unlawful, unsafe, inappropriate or cannot responsibly be addressed through MinVisor.
• The Expert will protect User information and will not misuse, disclose, retain, publish or commercially exploit confidential or personal information obtained through MinVisor except as permitted under applicable law, these Terms and MinVisor's policies.
• Unless expressly permitted by MinVisor, the Expert will not attempt to circumvent the Platform, solicit Users to complete MinVisor-originated interactions outside the Platform or otherwise avoid applicable MinVisor fees or commercial arrangements.
• MinVisor may verify Expert credentials and may request additional information or documentation at any time.
• MinVisor may approve, reject, modify, pause, suspend or remove an Expert profile or restrict access to the Platform where reasonably necessary for verification, safety, compliance, authenticity, platform integrity, complaints, disputes, non-delivery or breach of MinVisor's Terms or policies.
• Expert content remains subject to the intellectual-property, recording, content-use and AI-use protections contained in these Terms and MinVisor's applicable policies.

16.4 Category-Specific Notice

MinVisor is not an emergency service. Expert interactions are intended for general informational guidance and may not be a substitute for an in-person consultation, diagnosis, prescription, treatment, regulated financial or legal advice, therapy or emergency assistance. If your situation is urgent, serious or requires immediate professional intervention, please contact an appropriate qualified professional or emergency service directly.

16.5 Information Upload Notice

Please only share information that is necessary for your consultation and that you have the right to share. Avoid uploading another person's confidential information, identification documents, passwords, private records or other information unless necessary and properly authorized.

16.6 Recording of Interactions

Users and Experts may not record, screen-record, reproduce, publish or redistribute MinVisor interactions without authorization as provided under these Terms and the Recording Policy.

Where MinVisor itself records or enables recording of an interaction, MinVisor will provide an appropriate notice before recording begins and may request separate affirmative consent where required or appropriate.

16.7 Electronic Acceptance

Clicking or selecting "I Agree", "Accept", "Continue", "Pay", "Submit", "Create Account", "Join MinVisor" or another clearly identified acceptance mechanism presented together with these Terms constitutes an electronic acceptance of the applicable Terms and policies.

MinVisor may maintain electronic records of the date, time, account, version of the Terms and other information relating to such acceptance for compliance, security, dispute-resolution and record-keeping purposes.

17. Additional Protective Policies & Clauses

The following additional policies and implementation clauses are intended to strengthen MinVisor’s legal, commercial, operational and evidentiary protection. These sections should be read together with the Terms of Service, Privacy Policy, Refund & Cancellation Policy, Disclaimer Policy, Recording Policy, Expert Verification Policy and Platform Rules above.

Important: These clauses reduce risk but do not eliminate all legal, regulatory, consumer, data, expert, professional negligence, payment or reputational exposure. MinVisor should obtain final review from an India-qualified lawyer, CA/tax advisor and, where applicable, a privacy/compliance advisor before publishing or launching paid services.

17.1 User Consent & Acknowledgement Policy

This Policy should be published as a user-facing policy and implemented through mandatory checkboxes before payment, question submission, audio/video response access, live calls and sensitive-category requests.

Before submitting a question, booking an interaction, making payment or accessing an expert response, the user acknowledges and agrees that:

• MinVisor is a technology, discovery and facilitation platform and is not the provider of the expert’s professional services.
• Expert responses are limited guidance based on the information submitted by the user and are not a substitute for emergency assistance, in-person care, diagnosis, prescription, treatment, formal advisory engagement or guaranteed outcomes.
• The user is responsible for submitting accurate, complete and lawful information and for independently evaluating any decision made after receiving an expert response.
• The selected expert may accept, decline or request clarification where permitted by the platform workflow.
• Refunds, cancellations, credits and reversals are governed by MinVisor’s Refund & Cancellation Policy and are not automatic merely because the user disagrees with, dislikes or chooses not to follow an expert response.
• Expert responses, audio/video recordings, screenshots, transcripts, images, likeness, voice samples and related content are for the user’s personal, non-commercial use only and may not be copied, reposted, redistributed, published, sold, trained on, scraped, used for AI systems or commercially exploited without written consent.
• The user consents to MinVisor sharing the submitted question, selected response format, relevant account details and necessary contextual information with the selected expert or expert entity for the purpose of responding to the request.
• Use of the Platform does not automatically create a formal doctor-patient, therapist-client, lawyer-client, investment advisor-client, fiduciary or other regulated professional-client relationship unless separately and expressly agreed in writing and permitted by applicable law.

Implementation requirement: MinVisor should maintain a timestamped record of this acknowledgement, including the user ID, transaction ID, policy version, date/time, IP/device details where available, selected expert, response format and payment status.

17.2 Consent Log, Evidence Retention & Policy Versioning Policy

This Policy is primarily operational and should be reflected in MinVisor’s internal compliance workflow, Privacy Policy, Terms of Service and admin/backend records.

MinVisor may collect and retain evidence reasonably necessary to operate the Platform, prove consent, resolve disputes, process payments, investigate misuse, comply with law, enforce policies and defend legal claims. This may include:

• Account creation logs, OTP verification records, login history, device/IP/browser information and security logs.
• Policy acceptance logs, including version number, effective date, timestamp, user/expert ID, transaction ID and accepted checkbox text.
• Question submission details, selected expert, category, response format, displayed price, tax details, payment reference, invoice/receipt and payout/reconciliation records.
• Expert acceptance/decline status, response delivery timestamps, support tickets, refund decisions, review moderation actions, grievances and complaint history.
• Audio/video response delivery records, live call scheduling metadata, recording consent records where applicable, and any content access logs maintained by the Platform.
• Expert onboarding declarations, verification submissions, credentials reviewed, approvals, rejection reasons, re-verification history, suspension/delisting decisions and payout holds.

Policy versioning : Each public policy should display an Effective Date, Last Updated Date and Version Number. MinVisor should preserve prior policy versions where reasonably practicable and should record which policy version each user or expert accepted.

Retention : MinVisor may retain records for as long as reasonably required for platform operation, legal compliance, tax/audit, dispute resolution, fraud prevention, safety, enforcement and legal defense. Deletion requests may be subject to lawful retention requirements and unresolved disputes.

17.2 Consent Log, Evidence Retention & Policy Versioning Policy

This Policy is primarily operational and should be reflected in MinVisor’s internal compliance workflow, Privacy Policy, Terms of Service and admin/backend records.

MinVisor may collect and retain evidence reasonably necessary to operate the Platform, prove consent, resolve disputes, process payments, investigate misuse, comply with law, enforce policies and defend legal claims. This may include:

• Account creation logs, OTP verification records, login history, device/IP/browser information and security logs.
• Policy acceptance logs, including version number, effective date, timestamp, user/expert ID, transaction ID and accepted checkbox text.
• Question submission details, selected expert, category, response format, displayed price, tax details, payment reference, invoice/receipt and payout/reconciliation records.
• Expert acceptance/decline status, response delivery timestamps, support tickets, refund decisions, review moderation actions, grievances and complaint history.
• Audio/video response delivery records, live call scheduling metadata, recording consent records where applicable, and any content access logs maintained by the Platform.
• Expert onboarding declarations, verification submissions, credentials reviewed, approvals, rejection reasons, re-verification history, suspension/delisting decisions and payout holds.

Policy versioning : Each public policy should display an Effective Date, Last Updated Date and Version Number. MinVisor should preserve prior policy versions where reasonably practicable and should record which policy version each user or expert accepted.

Retention : MinVisor may retain records for as long as reasonably required for platform operation, legal compliance, tax/audit, dispute resolution, fraud prevention, safety, enforcement and legal defense. Deletion requests may be subject to lawful retention requirements and unresolved disputes.

17.3 High-Risk Question Rejection & Escalation Policy

MinVisor may refuse, decline, redirect, pause, refund, escalate, remove or restrict any user request or expert response that appears to involve high-risk, emergency, unlawful, unsafe, misleading or out-of-scope content.

Examples of high-risk requests include:

• Medical emergencies, severe symptoms, diagnosis, treatment decisions, prescription changes, emergency care or urgent clinical intervention.
• Self-harm, suicide, violence, abuse, harassment, exploitation, crisis situations or threats to personal safety.
• Eating disorders, pregnancy-related risk, child/minor health matters, severe nutrition deficiencies, allergic reactions or serious medical conditions requiring in-person care.
• Personalized investment orders, securities recommendations, tax/legal filing decisions, insurance decisions or regulated financial/legal advice beyond the expert’s lawful scope.
• Requests involving illegal activity, fraud, evasion, impersonation, cyber abuse, confidential third-party data or unauthorized sharing of private information.
• Requests that require formal professional engagement, in-person assessment, documentation review or regulated advice that cannot safely be provided through the selected format.

MinVisor may display a warning, ask the user to revise the question, route the matter to support, decline the request, permit the expert to decline, issue a credit/refund at MinVisor’s discretion or direct the user to appropriate emergency, medical, legal, financial, mental health or in-person professional support.

17.4 Category-Specific Disclaimer Policy

This Policy should appear within the general Disclaimer Policy and be displayed contextually on category pages and checkout screens for sensitive categories.

A. Health, Nutrition, Fitness and Wellness: Guidance is general and informational unless clearly stated otherwise by a qualified professional acting within lawful scope. MinVisor is not a hospital, clinic, telemedicine provider, emergency service or substitute for in-person medical care. Users should not use MinVisor for diagnosis, prescription, emergency symptoms, eating disorders, pregnancy risk, serious medical conditions, child/minor medical issues or urgent health decisions.

B. Skincare and Aesthetics: Guidance is general educational information and is not a substitute for in-person consultation, diagnosis, prescription, patch testing, procedure planning or emergency dermatological care. Users should seek in-person professional care for allergic reactions, burns, infections, severe acne, pregnancy-related concerns, prescription products, procedures or serious skin conditions.

C. Finance and Investment Education: Guidance is for general education only and is not personalized investment, tax, legal, insurance, securities, portfolio or fiduciary advice unless the expert is lawfully authorized, the format permits it and the engagement expressly states otherwise. Users should not buy, sell or hold securities, investments, insurance or financial products solely based on MinVisor responses. MinVisor does not guarantee returns or outcomes.

D. Business, Startup and Career: Guidance is opinion-based and informational. MinVisor does not guarantee jobs, admissions, funding, revenue, business success, investor interest, performance outcomes, immigration outcomes or career results.

E. Legal or Regulated Advice: If enabled in the future, legal or regulated-category experts may provide general information only unless a separate formal engagement is clearly created and permitted by law. MinVisor is not a law firm, tax firm, investment adviser, medical provider or regulated professional-services provider.

17.5 No Professional-Client Relationship Statement

Use of MinVisor does not automatically create a formal professional-client, doctor-patient, therapist-client, lawyer-client, chartered accountant-client, investment advisor-client, fiduciary, consultant-client or other regulated advisory relationship between a user and MinVisor or between a user and any expert.

Any formal professional engagement outside the standard MinVisor question-response flow must be separately disclosed, separately agreed, lawfully permitted and subject to any additional terms required by the relevant expert or regulated professional. MinVisor is not responsible for off-platform engagements unless expressly agreed in writing by MinVisor.

17.6 Expert Onboarding Declaration Policy

Before being listed, each expert or expert entity should actively accept an onboarding declaration confirming that:

• All identity, qualification, license, registration, employment, experience, category, pricing, tax, payout and profile information submitted to MinVisor is true, accurate, current and not misleading.
• The expert has the right, authority, qualification and lawful ability to provide the listed services and will remain within professional scope.
• The expert will not impersonate another person, delegate responses without authorization, use unapproved assistants, or allow any person other than the selected/approved expert to respond where the user chose a specific expert.
• The expert will comply with MinVisor’s policies, refund/cancellation rules, safety standards, confidentiality obligations, data protection requirements, recording rules, content standards and user trust requirements.
• The expert will not solicit users off-platform, request personal contact details, share private payment links, redirect users to competing services, misuse user data or bypass MinVisor’s commercial model.
• The expert will promptly update MinVisor if credentials expire, licenses change, employment status changes, conflicts arise, pricing changes or the expert is unable to respond within agreed timelines.
• The expert accepts that MinVisor may approve, reject, re-verify, pause, delist, suspend payouts, investigate complaints or restrict platform access where required for safety, quality, compliance, user protection or platform integrity.

17.7 Expert Suspension, Delisting & Re-Verification Policy

MinVisor may pause, restrict, suspend, delist or require re-verification of an expert or expert entity at any time where MinVisor reasonably believes that action is needed to protect users, comply with law, preserve platform integrity, prevent misuse or manage operational/reputational risk.

Grounds may include :

• False, misleading, unverifiable, expired or incomplete credentials.
• Repeated delays, non-delivery, materially incomplete responses, poor-quality responses or repeated user complaints.
• Advice outside scope, unsafe guidance, emergency/diagnostic/prescriptive content where not permitted, or regulated advice without proper authority.
• Harassment, discrimination, abuse, fraud, impersonation, confidentiality breach, data misuse or violation of user safety standards.
• Off-platform solicitation, private payment requests, bypassing MinVisor, redirecting users, or unauthorized reuse of platform/user data.
• Regulatory concerns, legal notices, reputational risk, payment disputes, chargeback patterns or conduct that may harm MinVisor or users.

MinVisor may act immediately in urgent cases. For non-urgent issues, MinVisor may provide an opportunity to respond or remedy where reasonably practicable. Suspension or delisting does not waive MinVisor’s right to withhold, reverse or adjust payouts connected to disputed, refunded, unlawful, unsafe or policy-violating interactions.

17.8 Off-Platform Transaction & Solicitation Policy

Users and experts must not use MinVisor to bypass MinVisor’s platform flow, fees, safety standards, payment collection, dispute process or user trust model.

Users may not request experts’ personal phone numbers, private emails, direct payment links, WhatsApp numbers, social media DMs, personal booking links or off-platform paid arrangements unless expressly permitted by MinVisor.

Experts may not solicit, redirect, upsell, convert or move MinVisor-originated users into off-platform paid services, consultations, packages, subscriptions, programs, calls, direct payments or substantially similar services without MinVisor’s prior written consent or a separately agreed commercial/referral arrangement.

MinVisor may suspend accounts, deny refunds, withhold payouts, remove access, restrict features, investigate misconduct and take further action where off-platform solicitation or fee-circumvention is suspected.

17.9 Refund Abuse, Chargeback Abuse & Account Enforcement Policy

MinVisor may restrict, suspend or terminate accounts and refuse future service where a user or expert misuses the refund, cancellation, chargeback, review, support or grievance process.

Examples include repeated refund requests after receiving expert responses, false complaints, abusive support behavior, chargeback misuse, duplicate accounts, payment fraud, obtaining responses without paying, misrepresenting facts, threatening experts for refunds, or using reviews/grievances to pressure MinVisor or experts unfairly.

MinVisor may withhold access, reverse credits, restrict payment methods, require additional verification, refuse future bookings or pursue recovery of amounts where misuse is identified.

17.10 User Content License & Platform Use Rights

Users retain ownership of the questions, reviews, feedback, uploads, testimonials and other content they submit, subject to rights held by third parties and applicable law. By submitting content to MinVisor, users grant MinVisor a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, display, moderate, route, translate, format and use such content as necessary to operate, support, secure, improve and enforce the Platform.

Private user questions and sensitive information will not be used for public marketing in identifiable form without consent. MinVisor may use anonymized, aggregated or de-identified insights for analytics, product improvement, demand planning, category trends, quality monitoring, fraud prevention, business reporting and platform development, provided such use does not reasonably identify an individual user.

Users must not submit content they do not have the right to share. Users are responsible for ensuring that uploaded documents, images, personal data, business information, medical information, financial information or third-party content are lawful and authorized.

17.11 Data Incident & Breach Response Policy

MinVisor will take commercially reasonable steps to protect personal data and platform records. No digital platform can guarantee absolute security. If MinVisor becomes aware of an actual or suspected unauthorized access, disclosure, loss, misuse, alteration or breach involving personal data under MinVisor’s control, MinVisor may take steps to assess, contain, investigate, mitigate, document and remediate the incident.

Where legally required, MinVisor will notify affected individuals, regulators, law enforcement, payment providers, experts, vendors or other relevant parties. MinVisor may delay or limit notification where permitted by law to protect investigation, security, evidence preservation or users.

Users and experts must promptly notify MinVisor if they suspect unauthorized access to their account, leaked credentials, misuse of user information, unauthorized recordings, impersonation, data loss or security compromise.

17.12 Pre-Checkout Disclosure & Fair Notice Policy

MinVisor should present key terms before payment in a clear and visible manner. The checkout or payment confirmation screen should display, where applicable:

• Selected expert name and category.
• Response format selected: text, audio/video response, live call or other enabled format.
• Price, GST/taxes, platform fees if separately displayed, and total payable amount.
• Expected response timeline and whether it starts from payment, expert acceptance or scheduled time.
• Refund/cancellation limitations and the fact that refund is not automatic after expert delivery.
• No emergency use and no guaranteed outcome disclaimer for sensitive categories.
• Expert may decline or request clarification, in which case MinVisor may provide refund, credit, rescheduling or alternate resolution at its discretion.
• No recording, reposting, redistribution, commercial use, AI training, voice cloning or misuse of expert content.
• Support/grievance contact and link to Terms, Privacy Policy, Refund Policy and Disclaimer Policy.

This should be implemented in the product flow so users cannot reasonably claim that key restrictions were hidden only in long-form terms.

17.13 Risk Management & Insurance Note

Legal policies reduce risk but are not a substitute for operational controls, expert screening, consent logs, data security and insurance. MinVisor should consider obtaining suitable insurance as it scales, including cyber liability insurance, technology errors and omissions/professional indemnity insurance, directors and officers insurance and any other coverage recommended by an insurance advisor based on the categories offered.

This note is for internal risk planning and need not be published as a public website policy unless MinVisor chooses to do so.

17.14 Expanded Implementation Checklist Before Launch

• Add mandatory user consent checkboxes before payment and question submission and store timestamped consent logs.
• Add category-specific disclaimers on health, nutrition, fitness, skincare, finance and any regulated category pages.
• Add policy version numbers, effective dates and last updated dates to all public policies.
• Store policy acceptance version numbers against user accounts, expert accounts and transactions.
• Implement internal high-risk question review rules and expert decline/refund workflows.
• Implement expert onboarding declarations and suspension/delisting workflow.
• Add user-facing off-platform transaction ban and expert-facing anti-solicitation rules.
• Add refund abuse/chargeback abuse enforcement language to user terms and support workflows.
• Add evidence retention and audit trail rules for payments, disputes, complaints, reviews and expert responses.
• Confirm Grievance Officer details, privacy contact, copyright contact, registered entity name, registered address, CIN/GSTIN if applicable and support email before publishing.
• Confirm payment gateway, tax, GST, TDS and invoice flow with a CA before launch.
• Have the final policies reviewed by an India-qualified lawyer and privacy/compliance professional before publishing.