Terms of Service

1. Parties and acceptance

These Terms are between SKIFIN IT SERVICES LLP, a limited liability partnership with its office at Galaxy Business Park, Sector 62, Noida, Uttar Pradesh 201301, India (GSTIN 09AFBFS6927E1ZT) ("SKIFIN") and the organisation that accepts them ("Customer"). Droqify is SKIFIN's product. The Service is for business use only; by clicking to accept, signing an Order Form, or using the Service on an organisation's behalf, you confirm you have authority to bind it. If you do not, do not use the Service.

2. Order of precedence

The documents that govern the Service rank in this order if they conflict: (1) the signed Order Form; (2) the Data Processing Agreement and, where signed, the Business Associate Agreement, on data protection matters; (3) these Terms; (4) the Acceptable Use Policy. The Privacy Policy describes SKIFIN's own processing and is not a contract term. The SLA applies only where an Order Form says so.

3. The Service and plans

Droqify extracts, classifies, summarises and searches documents using AI and human review workflows. Plans:

• Starter and Professional: shared SKIFIN-operated Azure host, with a logically separate database and storage containers per tenant (Professional may have a dedicated Cosmos DB account). These plans are available now.
• Private: deployed in Customer's own Azure subscription.
• Enterprise: a managed dedicated environment operated by SKIFIN.

Features, limits and included pages are set out in the Order Form or plan description. SKIFIN may improve or change features, but will not materially reduce the core functionality of a paid plan during a paid term.

4. Trials, pilots and the demo environment

A free trial (currently 14 days or 100 pages, whichever comes first), a pilot, and the demo environment are provided "as is", without warranty, service levels, support commitments or uptime guarantees. They may be changed, reset, interrupted or withdrawn at any time, and data in them may be deleted without notice. The demo environment runs in Azure Central India with Microsoft-managed encryption keys, is for synthetic data only, and is not for production use, protected health information, or special-category data. Customer must not upload real personal, health or confidential data to a trial or demo environment unless SKIFIN has agreed otherwise in writing.

5. Accounts and SSO

Customer administers its users and roles and is responsible for their activity, for keeping credentials confidential, and for configuring single sign-on, two-factor authentication and role permissions appropriately. Notify SKIFIN promptly of suspected unauthorised access. Customer must provide accurate account information.

6. Acceptable use and restricted data

Customer will comply with the Acceptable Use Policy. Customer must not submit protected health information (PHI) unless a Business Associate Agreement is in effect for an eligible plan, and must not submit data whose processing is unlawful or for which it has no authority. Customer is responsible for the lawfulness of the documents it uploads and for notices and consents owed to individuals in them.

7. Customer Data; no training; in-tenant learning

As between the parties, Customer owns Customer Data (documents, extractions, summaries, chat content, corrections, tenant schemas). Customer grants SKIFIN a limited licence to process it solely to provide, secure and support the Service. SKIFIN does not train or fine-tune AI models on Customer Data. Corrections made by Customer's users may be reused as examples for extractions within Customer's tenant only. If Customer enables the optional Global Schema Contribution (off by default), a sanitised schema structure, not documents or values, is shared for use by other tenants, and Customer grants SKIFIN a perpetual, royalty-free right to use that structure. SKIFIN may use aggregated, de-identified usage metrics to operate and improve the Service.

8. AI outputs

The Service uses AI. Outputs (including extracted values, classifications, summaries and chat answers) may be inaccurate or incomplete and are not legal, medical, financial or other professional advice. Human-in-the-loop review is available; Customer is responsible for reviewing outputs before relying on them, particularly for decisions affecting individuals. Chat responses are AI-generated.

9. Usage metering, fees, payment and taxes

Fees are set out in the Order Form or, for self-serve plans, in our Pricing Policy: a plan fee including a number of pages, and an overage rate per page above the included amount. Pages are metered as processed, with a minimum of 2 billable pages per document. Fees exclude taxes. Customers outside India are invoiced in US dollars without Indian GST on exports of services; customers with an Indian billing address are invoiced in Indian rupees at a rate quoted before purchase, plus Goods and Services Tax (GST) at the applicable rate (currently 18%). SKIFIN issues GST-compliant tax invoices and, for online payments, a payment receipt.

Payment. Self-serve plans are paid online through our payment gateway, Razorpay, by the methods shown at checkout, and are due on receipt of the invoice. Plans billed against an Order Form are due within 30 days of the invoice date, by bank transfer or online. By paying online you also accept Razorpay's terms for the payment. SKIFIN does not receive or store your card details. Late amounts may bear interest of 1% per month, or the maximum permitted by law if lower. SKIFIN may change prices on at least 60 days' written notice, effective at the next renewal or, for month-to-month plans, after the notice period. Disputed invoices must be raised in good faith within 30 days. Refunds are governed by our Cancellation and Refund Policy.

10. Service levels and support

Service levels, if any, apply only where the Order Form incorporates the SLA (available for Private and Enterprise on request). Trials, pilots and the demo environment have none.

11. Suspension

SKIFIN may suspend access, to the extent necessary, if Customer breaches the Acceptable Use Policy, if the Service or other customers are at risk, if an invoice is more than 30 days overdue after notice, or where required by law. SKIFIN will give notice and restore access promptly once the cause is resolved, except where notice is not lawful or practicable.

12. Intellectual property

SKIFIN and its licensors own the Service, its software and documentation, and the Droqify and SKIFIN names. Customer receives a non-exclusive, non-transferable right to use the Service during the term. Customer may not reverse engineer the Service, except as law permits, or use it to build a competing product. Feedback may be used by SKIFIN without obligation.

13. Confidentiality

Each party will protect the other's non-public information with at least reasonable care, use it only to perform or receive the Service, and disclose it only to personnel and advisers who need it and are bound by confidentiality, or as required by law (with notice where lawful). Customer Data is Customer's confidential information. These duties survive for 3 years after termination, and for trade secrets and Customer Data for as long as they remain confidential or held.

14. Data protection

Each party will comply with data protection laws that apply to it. For Customer Data, SKIFIN is Customer's processor and the Data Processing Agreement (available on request and incorporated on signature) applies. Where Customer wishes to process PHI on an eligible plan, the parties will sign a Business Associate Agreement first. SKIFIN's use of subprocessors is described on the Subprocessors page.

15. Warranties and disclaimers

Each party warrants that it has authority to enter into these Terms. SKIFIN warrants that it will provide paid Services with reasonable skill and care and in material conformance with its documentation. Except as stated, the Service is provided "as is", and SKIFIN disclaims all other warranties to the extent the law allows, including merchantability, fitness for a particular purpose, and uninterrupted or error-free operation or AI output accuracy. Nothing in these Terms states that Customer's use of the Service satisfies Customer's own compliance obligations.

16. Indemnities

By SKIFIN: SKIFIN will defend Customer against third-party claims alleging that the Service, as provided by SKIFIN, infringes that party's intellectual property rights, and pay resulting damages and costs finally awarded or agreed in settlement, excluding claims arising from Customer Data, Customer's modifications or combinations, or use contrary to these Terms. By Customer: Customer will defend SKIFIN against third-party claims arising from Customer Data, or from Customer's breach of the Acceptable Use Policy or restricted-data rules, and pay resulting damages and costs. The indemnified party must give prompt notice, sole control of the defence, and reasonable assistance.

17. Limitation of liability

To the extent permitted by law, neither party is liable for indirect, incidental, special or consequential loss, or for loss of profit, revenue or goodwill, and each party's total aggregate liability arising out of these Terms is limited to the fees paid or payable for the Service in the 12 months before the event giving rise to the claim. These limits do not apply to liability that cannot be limited by law, to Customer's payment obligations, to a party's fraud or wilful misconduct, or to liability for breach of confidentiality, for a party's indemnity obligations, or for a breach of data protection obligations, each of which is instead limited to two times the fees paid or payable in those 12 months.

18. Term, termination, export and deletion

These Terms run for the term in the Order Form or, for self-serve plans, until terminated. Either party may terminate for the other's material breach not cured within 30 days of notice, or immediately for insolvency. Customer may cancel a self-serve plan at any time effective at the end of the paid period, as described in our Cancellation and Refund Policy. Fees already paid or incurred are not refunded except in the cases that policy lists (duplicate or erroneous charges, a plan we did not provide, and termination over an unresolved subprocessor objection under the Data Processing Agreement). After termination, Customer has 30 days to export Customer Data; thereafter SKIFIN will delete it (backups expire on their normal cycle, about 7 days) and, on request, provide a written deletion attestation. Fees for the period before termination remain payable. Sections that by nature survive (including 7, 9, 12, 13, 15 to 17, 19) survive termination.

19. Governing law and disputes

These Terms are governed by the laws of India, including the Indian Contract Act, 1872. The parties will first try to resolve a dispute by good-faith discussion for 30 days. Any dispute not so resolved will be finally settled by arbitration under the Arbitration and Conciliation Act, 1996 by a sole arbitrator appointed by agreement of the parties or, failing agreement within 30 days, appointed under that Act, seated at Noida, in English. Subject to arbitration, the courts at Noida have exclusive jurisdiction, and either party may seek urgent interim relief from any competent court.

20. Changes and general terms

SKIFIN may update these Terms by posting the new version and notifying account administrators by email at least 30 days before material changes take effect; continued use after that date is acceptance. Where an Order Form is in force, changes to it need both parties' signature. If Customer does not agree, it may stop using the Service before the change takes effect. Other terms: entire agreement; no assignment without consent (except to an affiliate or successor to the business); severability; no waiver; no partnership or agency; neither party is liable for delay caused by events beyond its reasonable control; notices to the email addresses on the account or Order Form, and to SKIFIN at contact@skifin.com and its office: SKIFIN IT SERVICES LLP, Galaxy Business Park, Sector 62, Noida, Uttar Pradesh 201301, India.