Please read these terms carefully before using our website, purchasing a plan, completing assessments, or accessing your business report.
1. About these Terms and acceptance
These Terms and Conditions ("Terms") form a legally binding agreement between Ameerang Enterprise Private Limited ("BizVitals", "Company", "we", "us" or "our") and the person or entity accessing or using BizVitals.io, creating an account, purchasing a product or service, or otherwise using any BizVitals digital offering ("you" or "User").
By creating an account, ticking an unchecked acceptance box, placing an order, starting an assessment, accessing paid content, or otherwise taking an affirmative action that incorporates these Terms, you confirm that you have read, understood and agreed to them.
If you use the Services on behalf of a business or other organisation, you represent that you have authority to bind that organisation to the extent applicable. If you do not agree to these Terms, do not use or purchase the Services.
Product pages, plan descriptions, checkout disclosures and any separately agreed written terms form part of the agreement for the relevant purchase. If a specific written term conflicts with these Terms, the more specific term will govern for that subject matter.
2. Services offered by BizVitals
BizVitals.io is a business growth, assessment and decision-support platform. The Services may include, now or in the future:
A product may be sold as a one-time purchase, subscription, bundle, free feature, promotional offering or another commercial arrangement. The applicable product or plan page will state the price, access period, inclusions and material usage restrictions. We are not required to reproduce those commercial details in these Terms.
3. Eligibility, capacity and minors
A person independently creating an account, accepting these Terms or making a purchase must be legally capable of entering into a binding contract.
For users in India, a person under 18 years of age is a minor and must not independently enter into the purchase contract or independently provide consent where verifiable parental consent is legally required. A minor may use an appropriate BizVitals service only through an account created, accepted, paid for and managed by a parent or lawful guardian, subject to any age-verification or parental-consent process that BizVitals may require.
For users outside India, the applicable age of contractual capacity and child-data requirements under local law will apply. BizVitals may refuse, restrict or suspend access where age or authority cannot reasonably be verified.
BizVitals is primarily designed for business owners, entrepreneurs, professionals and persons interested in business management. It is not designed as a children's entertainment, social-media or behavioural-advertising service.
4. Account registration and authentication
Certain Services require an individual account. You must provide accurate, current and complete information and keep it updated.
BizVitals may use email verification, one-time passwords (OTP), Google Sign-In, other approved third-party authentication providers, or similar authentication methods. Use of a third-party sign-in service may also be subject to that provider's terms and privacy policy.
Your account is personal to you unless BizVitals expressly provides a different licence. You must not sell, transfer, share or permit another person to routinely use your account, login credentials, access links or paid entitlements.
You are responsible for maintaining the confidentiality of your credentials and for promptly notifying support@bizvitals.io of suspected unauthorised access. We may temporarily restrict an account where reasonably necessary to investigate fraud, security, abuse or a breach of these Terms.
5. Orders, prices, taxes and payment
The price and any applicable taxes or compulsory charges will be shown at or before checkout. Where applicable, taxes such as GST may be charged in addition to the displayed base price.
Payments are processed through Stripe and/or another payment processor made available by BizVitals at checkout. The payment processor may collect and process payment credentials under its own terms. BizVitals generally receives transaction details, payment status and billing information rather than full card credentials.
An order is considered accepted when payment is successfully confirmed and the relevant digital entitlement is made available, unless we expressly state otherwise.
If a genuine pricing, payment or technical error prevents fulfilment, BizVitals may correct the error, cancel the affected transaction and provide any refund required by these Terms or applicable law.
6. Digital delivery, cancellation and refund policy
Because the Services consist predominantly of digital products, access rights, assessments, reports and downloadable resources, purchases are generally final and non-refundable once the order is confirmed.
No refund, credit, extension or cancellation entitlement arises merely because:
BizVitals will review reasonable claims relating to duplicate payment, an incorrect or unauthorised charge, or proven non-delivery caused by BizVitals systems where the purchased entitlement was not made available. We will also provide a refund or other remedy where mandatory law requires it.
A payment or delivery problem should ordinarily be reported within 7 days of the relevant transaction or expected delivery. Approved refunds will ordinarily be initiated within 15 days of approval, although the time for funds to appear may depend on the bank, card network or payment provider.
A refund request does not automatically create an entitlement to refund. BizVitals may reasonably verify the account, transaction, delivery logs and supporting information before deciding the request.
7. Assessments, scoring and self-reported information
BizVitals assessments are primarily self-assessment and business decision-support tools. Their quality depends materially on the accuracy, completeness, honesty and context of the answers supplied by the User.
Unless the relevant product expressly says otherwise, assessment answers cannot be edited after final submission. Scores, categories, bands and recommendations are generated using BizVitals methodologies and may change when an assessment methodology or product version is updated.
An assessment score is not an audit, certification, statutory compliance finding, valuation, credit rating, psychometric certification, investment rating, insurance rating, employment suitability score or independently verified statement of fact.
The same business may obtain a different result at another time because its circumstances, answers, methodology, data or product version have changed.
8. AI-generated and automated reports
Certain reports, summaries, insights or recommendations may be generated or assisted by artificial-intelligence systems, including OpenAI technologies such as ChatGPT or related APIs, together with BizVitals scoring logic and prompts.
AI-generated content may occasionally be inaccurate, incomplete, inconsistent, outdated, overly general or unsuitable for a particular business. Artificial-intelligence systems can make errors even when an answer appears confident or professionally written.
You must independently evaluate important recommendations and obtain qualified professional advice where appropriate before acting on a report. BizVitals does not guarantee that an AI-generated report will identify every issue, predict an outcome or recommend the best course of action.
The information processed for report generation may include assessment responses, scores, business context and, depending on the implementation, identifiers such as your name, email address or company name. The handling of such data is described in the Privacy Policy.
9. Guidance only; no professional advice or guarantee
BizVitals is a business-support tool and information platform. Unless a separately contracted qualified professional expressly provides a service in that professional capacity, neither BizVitals nor an automated report provides legal, tax, accounting, audit, investment, securities, lending, insurance, medical, psychological, employment-law or other regulated professional advice.
Use of BizVitals does not create a lawyer-client, chartered-accountant-client, auditor-client, financial-adviser-client, fiduciary, agency, employment or similar professional relationship.
All business decisions remain solely with the User or business owner. BizVitals does not guarantee revenue, profit, growth, financing, investment, compliance, employee performance, hiring success, insurance acceptance, business survival or any other business outcome.
10. Hiring, lending, insurance and other consequential decisions
BizVitals products may be used for general business understanding and internal guidance, but they are not designed or validated as a formal benchmark, eligibility score or certification for decisions materially affecting a person's rights or opportunities.
Unless BizVitals expressly launches a separate product specifically designed, validated and contractually approved for that purpose, an assessment or report must not be used as the sole or determinative basis for hiring, firing, promotion, compensation, lending, creditworthiness, insurance eligibility or pricing, investment eligibility, medical or psychological treatment, public-benefit eligibility or a similar high-impact decision.
Any person choosing to consider a BizVitals output as one source of general background information remains responsible for conducting appropriate independent checks and complying with all applicable laws.
11. User responsibilities and prohibited conduct
You agree not to:
12. Intellectual property and licence
BizVitals and its licensors retain all intellectual-property rights in the Platform, assessments, questions, scoring structures, prompts, designs, reports, templates, toolkits, frameworks, calculators, dashboards, courses, software, branding, graphics and other BizVitals Content.
Subject to payment and compliance with these Terms, BizVitals grants you a limited, non-exclusive, non-transferable licence to use the purchased material for your own lawful personal or internal business purposes.
Unless the product expressly states otherwise, you may download, adapt and internally use an editable toolkit or template for your own business and share it with your employees or professional advisers on a need-to-know basis. You may also share your own assessment report with advisers, lenders, investors or other stakeholders for information, provided you do not represent it as a BizVitals certification or independently verified benchmark.
You may not sell, republish, upload to a public repository, sublicense, distribute as a template library, provide to multiple clients as a consultant, or create a competing product from BizVitals Content without a separate written licence.
Expiry of online access does not ordinarily require you to stop using a lawful internal working copy of a toolkit or report already downloaded during valid access, but it may end access to the Platform, updates, new downloads, cloud features and support.
13. User data, confidentiality and aggregated insights
You retain ownership of the original business information and content you lawfully provide to BizVitals. You grant BizVitals and its service providers the limited rights reasonably necessary to host, process, analyse and use that information to operate the account, deliver the requested Services, generate reports, provide support, prevent misuse, maintain security, improve usability and results, and comply with law, as further described in the Privacy Policy.
BizVitals will treat identifiable non-public business information received through the Platform as confidential and will not intentionally disclose it publicly or to a competitor except with your authority, through contracted service providers subject to appropriate obligations, or where law requires disclosure.
BizVitals may use genuinely anonymised or aggregated information for analytics, benchmarking, research, product development, industry insights and service improvement where the information no longer reasonably identifies you or your business.
14. Third-party providers, integrations and external links
BizVitals relies on third parties for functions such as payment processing, authentication, hosting, analytics, communications, customer support, cybersecurity, document generation and artificial intelligence. These providers may process information as described in the Privacy Policy.
The Platform may contain links to or integrations with websites and services that BizVitals does not control. Their own terms, security practices and privacy policies apply to their services. BizVitals is not responsible for third-party content or practices except to the extent liability cannot lawfully be excluded.
15. Availability, updates and changes to the Services
We aim to provide reliable access but do not promise uninterrupted or error-free availability. Maintenance, upgrades, vendor outages, security events, internet failures, legal requirements or circumstances outside our control may affect availability.
BizVitals may update, improve, replace, discontinue or modify features, assessment methodologies, report formats and digital resources. We will not intentionally deprive a User of a materially paid fixed entitlement without providing an appropriate remedy where required by the applicable contract or law.
The Services may be made available in multiple countries. BizVitals may restrict a product, payment method or feature in any jurisdiction for legal, operational, sanctions, vendor or technical reasons.
16. Suspension and termination
We may suspend or terminate access where reasonably necessary because of non-payment, fraud, security risk, account sharing, unlawful use, infringement, abusive conduct, a material breach of these Terms or a legal requirement.
Where practical and appropriate, we may give notice and an opportunity to correct a remediable breach. Immediate action may be taken for fraud, security, unlawful activity or serious misuse.
Termination does not affect accrued payment obligations, intellectual-property rights, confidentiality, dispute provisions or clauses that by their nature are intended to survive.
17. Privacy and data protection
Personal data is handled in accordance with the BizVitals™ Privacy Policy and applicable data-protection law. By using a feature that requires personal data, you acknowledge that the data will be processed for the purposes described in that Policy.
Marketing consent, where required, will be obtained separately from acceptance of these Terms and can be withdrawn using the available opt-out mechanism.
18. Disclaimer of warranties
To the maximum extent permitted by law, the Services are provided on an 'as available' and 'as is' basis. BizVitals does not warrant that every assessment, report, recommendation, file, calculation, benchmark, forecast, AI output or third-party integration will be error-free, complete, current, fit for a particular purpose or suitable for a particular business.
Nothing in these Terms excludes a warranty, statutory guarantee or consumer right that applicable law does not permit to be excluded.
19. Limitation of liability
To the maximum extent permitted by law, BizVitals will not be liable for indirect, incidental, special, exemplary or consequential loss, loss of profit, loss of revenue, loss of opportunity, loss of goodwill, business interruption or loss arising from a User's reliance on an assessment or AI-generated recommendation.
For a paid Service, BizVitals' aggregate contractual liability arising from that affected Service will ordinarily not exceed the amount actually paid by the User to BizVitals for that Service during the 12 months preceding the event giving rise to the claim.
This limitation does not apply where liability cannot lawfully be limited or excluded, including liability arising from fraud, wilful misconduct or another non-waivable statutory obligation.
20. Indemnity
To the extent permitted by law, you agree to indemnify BizVitals against third-party claims, losses and reasonable costs arising from your unlawful use of the Services, infringement of another person's rights, unauthorised submission of third-party data, material breach of these Terms, or misrepresentation of a BizVitals report as an official certification or guaranteed finding.
This indemnity does not apply to the extent a loss was caused by BizVitals' own fraud, wilful misconduct or breach of a non-waivable legal duty.
21. Force majeure
BizVitals will not be responsible for delay or failure caused by events reasonably beyond its control, including natural disaster, epidemic, war, civil disturbance, government action, telecommunications or cloud outage, payment-network failure, cyberattack, utility failure or failure of a critical third-party provider, subject to any non-waivable legal rights.
22. Electronic communications
You agree that notices, order confirmations, security messages, policy updates and other communications may be delivered electronically through the Platform, account, email, SMS, WhatsApp or another contact method you provide, subject to applicable communication and consent rules.
23. Changes to these Terms
We may update these Terms to reflect legal, regulatory, security, product or operational changes. The revised version will display a new 'Last updated' date.
Material changes affecting an existing paid entitlement may also be notified through email, account notice or a prominent Platform notice where reasonably required. Continued use after the effective date of an applicable update constitutes acceptance where permitted by law; where fresh consent is legally required, we will seek it separately.
24. Governing law and dispute resolution
These Terms are governed by the laws of India, subject to any mandatory non-waivable law applicable to a User.
Before commencing arbitration, the parties should attempt in good faith to resolve a dispute through written notice and discussion for 30 days.
Any non-consumer commercial dispute that remains unresolved and is legally capable of arbitration will be referred to a sole arbitrator mutually appointed by the parties under the Arbitration and Conciliation Act, 1996, as amended. The seat and legal place of arbitration will be Rajkot, Gujarat, India. Proceedings will be conducted in English.
Courts at Rajkot, Gujarat will have jurisdiction over arbitration-related proceedings and other disputes to the extent legally permissible. Nothing in this clause prevents a consumer or other protected person from using a consumer commission, regulator, court or statutory remedy that applicable law makes available and does not permit to be waived.
25. Miscellaneous
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect to the maximum extent permitted by law.
Failure to enforce a provision on one occasion is not a waiver of that provision. You may not assign your account or contractual rights without our consent. BizVitals may assign its rights and obligations as part of a legitimate corporate restructuring, merger, financing or business transfer, subject to applicable law.
These Terms, together with the applicable order, product/plan disclosures and Privacy Policy, constitute the agreement regarding the relevant Services and supersede prior inconsistent representations about those Services.
26. Contact, complaints and support
For product, payment, account, privacy or complaint-related issues, you may raise a support ticket through the Platform or contact:
BizVitals will maintain a grievance-redressal mechanism and will display any grievance-officer or other contact details that applicable law requires on the Platform. Consumer complaints will be acknowledged and addressed within the timelines required by applicable law.
