User Terms of Service

1. Introduction & Acceptance of Terms

Welcome to Adviseo. These Terms of Service ("Terms") govern your access to and use of the Adviseo website, applications, communication systems, booking features, payment flows, and related services (collectively, the "Platform").

Adviseo is owned and operated by Bandana Jha. References to "Adviseo", "we", "us", or "our" refer to the Adviseo Platform and, where applicable, its legal owner and operator.

By creating an account, browsing the Platform, booking a consultation, applying as an Expert, joining a session, uploading files, making payments, or otherwise using any part of the Platform, you agree to be bound by these Terms and all policies incorporated by reference.

If you do not agree to these Terms, you must not access or use the Platform.

These Terms should be read together with Adviseo's Privacy Policy, Refund & Cancellation Policy, Community Guidelines, Expert Agreement where applicable, and any category-specific policies that may apply to particular services or Experts.

2. Definitions & Nature of the Platform

2.1 Definitions

Adviseo: the curated technology marketplace operating under the Adviseo brand.

Platform: the Adviseo website, applications, booking system, session room, payment flows, communication tools, and related services.

User: any individual who accesses or uses the Platform.

Client or Seeker: a User who browses, books, attends, or pays for a consultation with an Expert.

Expert: an independent professional approved by Adviseo to offer consultations through the Platform.

Consultation: a scheduled one-on-one online session between a Client and an Expert.

Platform Booking Fee: the fee paid by a Client to reserve a consultation slot through the Platform.

Consultation Charges: the amount payable for the actual billable duration of a completed consultation, based on the Expert's published rate and Adviseo's billing records.

User Content: information, documents, messages, files, images, profile information, reviews, or other content uploaded, submitted, or shared by a User.

2.2 Nature of the Platform

Adviseo is a curated technology marketplace that enables Clients to discover, connect with, and book one-on-one consultations with independent Experts. Adviseo facilitates expert discovery, booking, scheduling, communication, payment processing, customer support, and platform administration.

Adviseo itself does not provide legal, medical, financial, tax, accounting, engineering, psychological, educational, career, or any other professional advice or services. Professional consultations are provided independently by Experts, who remain solely responsible for the services they provide.

2.3 Core Responsibility Framework

Adviseo is responsible for operating the Platform, facilitating bookings, processing payments, providing customer support, and performing reasonable Expert verification. Experts are responsible for their own advice, professional conduct, profile claims, legal compliance, and confidentiality obligations. Clients are responsible for evaluating, interpreting, and deciding whether and how to act upon information received during consultations.

Nothing in these Terms limits any rights or remedies that cannot legally be excluded under applicable law.

3. Account Registration & Eligibility

3.1 Creating an Account

To access certain features of the Platform, including booking consultations or applying as an Expert, you must create an Adviseo account. Adviseo currently supports account registration through approved authentication providers, including Google Sign-In and Email & Password authentication.

You agree to provide accurate, complete, and up-to-date information during registration and to keep your account information current at all times. You are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account.

3.2 Eligibility

By using the Platform, you represent and warrant that you have the legal capacity to enter into these Terms. Individuals under the age of eighteen (18) may use the Platform only with the consent of a parent or legal guardian where required by applicable law. Such parent or legal guardian accepts these Terms on behalf of the minor to the extent required by applicable law and is responsible for the minor's use of the Platform.

To register as an Expert, you must be at least eighteen (18) years of age, have the legal capacity to enter into a binding agreement, and satisfy Adviseo's Expert verification requirements. Adviseo may refuse or revoke Expert status if these requirements are no longer satisfied.

3.3 Account Types

The Platform supports different account roles, including Clients and Experts. A single Adviseo account may be used for multiple roles where permitted by the Platform. Users may also maintain separate accounts for different roles, provided such accounts are not used to impersonate another individual, evade restrictions, manipulate reviews or ratings, engage in fraudulent conduct, or otherwise violate these Terms.

Adviseo reserves the right to suspend, merge, or permanently remove duplicate or related accounts used in violation of these Terms.

3.4 Account Security

You are responsible for maintaining the security of your account and for restricting access to your login credentials. You must promptly notify Adviseo if you become aware of unauthorized access to your account or any suspected security incident. Adviseo is not responsible for losses resulting from your failure to adequately protect your account credentials.

3.5 Accurate Information

You agree that all information submitted to Adviseo is truthful, accurate, and complete. You must not impersonate another person, create an account using false identity information, provide misleading information during registration or Expert verification, or use another person's account without authorization. Providing false or misleading information may result in suspension or permanent termination of your account.

3.6 Expert Verification

Every Expert application undergoes manual review by Adviseo before the applicant is permitted to offer consultations on the Platform. During the beta phase, Adviseo may verify information including resumes, portfolios, LinkedIn profiles, professional experience, and other supporting documentation reasonably requested during the application process.

Only qualifications, work experience, achievements, certifications, or other professional claims that have been reviewed and approved by Adviseo may be displayed on an Expert profile. Experts must publicly display their verified real name on their profile.

Adviseo performs reasonable verification based on the documentation provided by the Expert. Such verification does not constitute a certification, endorsement, guarantee, or warranty of the Expert's qualifications, competence, experience, or future performance. Adviseo reserves the right to modify, expand, or strengthen its verification procedures at any time as the Platform evolves.

3.7 Account Enforcement

Adviseo may suspend, restrict, or terminate any account where it reasonably believes that the user has violated these Terms, engaged in fraudulent or deceptive conduct, submitted false information, abused other users or Experts, attempted to manipulate bookings, payments, ratings, or reviews, failed to pay valid outstanding charges owed to Adviseo, or used the Platform in a manner that threatens the safety, integrity, or proper operation of the Platform.

Adviseo also reserves the right to review, modify, remove, or restrict any information displayed on an Expert's profile, including qualifications, experience, or other professional claims, where it reasonably believes such information is inaccurate, misleading, unverified, or inconsistent with its verification standards.

4. Marketplace & Platform Services

4.1 Nature of Marketplace Services

Adviseo facilitates Expert discovery, Expert verification, scheduling, video consultations, payment processing, customer support, and other platform-related services. Adviseo is not the provider of the professional services offered by Experts.

4.2 Expert Discovery

Adviseo may organize, display, recommend, rank, highlight, or otherwise present Experts using one or more factors, including verification status, consultation ratings, client feedback, response time, consultation history, profile completeness, platform activity, category relevance, quality signals, promotional features, platform initiatives, and other factors determined by Adviseo from time to time.

The order in which Experts appear on the Platform does not constitute an endorsement, certification, or guarantee of any Expert. Adviseo may modify its ranking, recommendation, and discovery systems at any time without prior notice.

4.3 Expert Profiles

Expert profiles are created using information submitted by the Expert and information reviewed by Adviseo during the verification process. Adviseo may review, approve, modify, remove, or request clarification regarding any information displayed on an Expert profile.

Adviseo reserves the right to remove or restrict any profile, qualification, certification, experience, achievement, or other professional claim that it reasonably believes to be inaccurate, misleading, unverified, inconsistent with its verification standards, or otherwise inappropriate for display on the Platform. Where reasonably practicable, Adviseo will notify the affected Expert after such action has been taken.

4.4 Marketplace Discretion

Adviseo retains sole discretion regarding the operation of the Platform, including the design of search results, recommendation systems, featured listings, promotional placements, verification standards, platform policies, and other operational decisions. Nothing in these Terms creates any right or expectation that an Expert will receive a particular ranking, level of visibility, number of bookings, or promotional placement on the Platform.

5. Booking, Scheduling & Consultations

5.1 Booking Confirmation

A consultation is considered confirmed only after the Client selects an available time slot, any required booking information has been provided, the applicable platform booking fee has been successfully paid, and the booking has been accepted and confirmed through the Platform.

5.2 Scheduled Consultation Time

Clients and Experts are expected to join the consultation at the scheduled time. If the Client has not joined within ten (10) minutes after the scheduled start time, the Expert may, at their discretion, continue waiting for the Client or leave the consultation and treat the booking as a Client no-show. Where the Expert chooses to continue waiting, the consultation may still proceed once the Client joins.

5.3 No-Show Policy

If the Client fails to join the consultation and the Expert leaves the session after the applicable waiting period, the consultation may be treated as a Client no-show, the platform booking fee is generally non-refundable, and any consultation charges shall be determined in accordance with Adviseo's applicable policies.

If the Expert fails to attend the scheduled consultation, the Client's platform booking fee will generally be refunded, the Expert may receive a warning, and repeated no-shows may result in suspension or permanent removal from the Platform.

5.4 Consultation Duration

Billing for a consultation begins only when both the Client and the Expert have joined the consultation. Consultations may continue until both participants voluntarily leave the session, Adviseo terminates the session in accordance with these Terms, the session ends due to prolonged inactivity, or the session otherwise concludes through normal Platform operation.

5.5 Ending a Consultation

Either participant may leave a consultation at any time. A consultation is considered concluded only when both participants have left the session or when the Platform terminates the session. Adviseo reserves the right to terminate any consultation where reasonably necessary to protect the safety of users, investigate suspected misconduct, comply with applicable law, protect the integrity or security of the Platform, or respond to technical or operational issues.

5.6 Abusive or Unlawful Conduct

Experts are not required to continue consultations involving abusive or threatening behaviour, harassment, discriminatory conduct, unlawful requests, requests outside the Expert's professional competence, or any conduct that reasonably causes the Expert to believe continuing the consultation would be inappropriate or unsafe. An Expert who ends a consultation for such reasons may report the incident to Adviseo for investigation.

Adviseo may review relevant evidence and take appropriate action, including warnings, refunds, suspension, permanent account termination, or any other action reasonably considered appropriate.

5.7 Confidentiality Exceptions

Where applicable law permits or requires, Experts may disclose confidential information where reasonably necessary to comply with legal obligations, comply with lawful requests from competent authorities, prevent imminent harm to any person, or where disclosure is otherwise required or permitted by applicable law. Nothing in these Terms prevents an Expert from complying with their legal or professional obligations.

5.8 Off-Platform Solicitation & Circumvention

Adviseo invests significant resources into connecting Clients and Experts. Accordingly, both Clients and Experts agree not to intentionally circumvent the Platform.

Experts must not request or encourage Clients to book future consultations outside the Platform.

Experts must not request direct payments through cash, UPI, bank transfer, wallets, cryptocurrency, or any other payment method outside the Platform.

Experts must not ask Clients to communicate exclusively through personal messaging applications, including WhatsApp, Telegram, Signal, or similar services, for the purpose of avoiding Platform bookings or fees.

Experts must not share payment details for the purpose of bypassing the Platform's payment systems.

Experts must not otherwise attempt to avoid Platform fees or booking processes.

Clients must not knowingly participate in arrangements intended to bypass the Platform's booking or payment systems. Users are encouraged to promptly report any attempt to circumvent the Platform and, where possible, provide supporting evidence such as screenshots or chat records.

Adviseo may investigate suspected circumvention and may take appropriate action, including removal of content, cancellation of bookings, withholding of payouts where permitted by applicable law, suspension, permanent termination of accounts, or any other action reasonably necessary to protect the Platform and its users. Repeated or deliberate attempts to circumvent the Platform may result in immediate suspension or permanent removal from Adviseo.

5.9 Ratings & Reviews

Clients may submit one review and rating for an Expert. Where a Client has completed multiple consultations with the same Expert, the Client's most recent rating and review will replace any previous rating or review previously submitted for that Expert.

Adviseo reserves the right to remove, moderate, edit, or decline to publish reviews that it reasonably believes are false or misleading, abusive or harassing, defamatory, fraudulent, spam, irrelevant to the consultation, or otherwise inconsistent with these Terms or the Platform's Community Guidelines. The publication, removal, moderation, or display of reviews remains at Adviseo's sole discretion.

6. Payments, Billing & Platform Fees

6.1 Platform Fees

Certain features of the Platform, including consultation bookings, may require payment of a platform booking fee. The amount of any applicable platform fee will be displayed to the Client before a booking is confirmed. Adviseo reserves the right to modify its platform fees from time to time. Any changes shall apply only to future bookings and shall not affect bookings that have already been confirmed.

6.2 Consultation Charges

Consultation charges are determined by the Expert's published rate and the actual billable duration of the consultation as determined by Adviseo's systems. Billing commences only after both the Client and the Expert have joined the consultation. Following completion of the consultation, Adviseo generates an invoice detailing the applicable consultation charges before requesting payment.

6.3 Payment Obligation

By completing a consultation through the Platform, the Client agrees to pay all valid charges associated with that consultation. The Client's obligation to pay arises upon completion of the consultation, irrespective of whether payment is completed immediately following presentation of the invoice. Failure to complete payment does not extinguish or reduce the Client's obligation to pay valid charges incurred through use of the Platform.

6.4 Outstanding Balances

If payment for a completed consultation is unsuccessful or remains unpaid, Adviseo may notify the Client of the outstanding balance, request payment through the Platform, temporarily restrict the Client from booking additional consultations, retry payment where technically feasible and authorized, and take any other reasonable action permitted by these Terms and applicable law to recover valid outstanding amounts.

Clients with outstanding balances may continue to access general features of the Platform unless otherwise restricted by Adviseo, but may not book additional consultations until all outstanding amounts have been paid.

6.5 Payment Methods

Adviseo may support one or more payment methods through third-party payment service providers. Adviseo may add, remove, or change supported payment methods or payment service providers at any time without prior notice.

6.6 Taxes

Experts are solely responsible for determining, reporting, and paying any taxes applicable to their earnings, except where Adviseo is required by applicable law to deduct, collect, withhold, or remit taxes. Any taxes applicable to Client payments will be displayed where required by applicable law.

6.7 Billing Records

The official record of consultation duration, billing calculations, invoices, payments, and other transaction data shall be determined by Adviseo's server-side systems and transaction records. These records shall be considered the authoritative source for resolving billing-related disputes unless demonstrated to contain a material error.

6.8 Billing Errors

Adviseo may investigate and correct genuine billing or calculation errors, including issuing revised invoices, collecting undercharged amounts, refunding overcharged amounts, or taking any other reasonable corrective action. Where reasonably practicable, Clients affected by a billing correction will be notified of the adjustment.

6.9 Promotional Offers

Adviseo may, from time to time, offer promotional discounts, credits, referral benefits, coupons, or similar promotional programs. Such promotions are subject to their specific terms and may be modified, suspended, or withdrawn at Adviseo's discretion unless otherwise stated.

6.10 Expert Payout Timing

Adviseo aims to settle undisputed Expert earnings as soon as reasonably practicable. Where Adviseo elects to advance Expert earnings before successfully recovering payment from a Client, Adviseo generally expects to complete such settlement within seven (7) days following completion of the consultation. However, settlement timelines are estimates only and may be delayed due to circumstances beyond Adviseo's reasonable control, including payment processor delays, banking delays, regulatory or compliance reviews, fraud investigations, technical issues, force majeure events, incorrect banking information provided by the Expert, or other operational circumstances. Adviseo shall not be considered in breach of these Terms solely because settlement occurs after the estimated timeframe where such delay results from circumstances beyond its reasonable control.

7. Refunds & Cancellation Policy

7.1 General Principle

Adviseo strives to provide a fair and transparent refund process while balancing the interests of Clients and Experts. Refund requests are reviewed in accordance with these Terms, the circumstances of the consultation, and any applicable law. The submission of a refund request does not guarantee that a refund will be granted.

7.2 Client Cancellation

Clients may cancel a confirmed consultation at any time up to thirty (30) minutes before the scheduled start time. Where a Client cancels more than thirty (30) minutes before the scheduled consultation time, the consultation shall be cancelled, no consultation charges shall apply, and the platform booking fee shall remain non-refundable.

Clients may not cancel a consultation within thirty (30) minutes of the scheduled start time. Once the consultation enters this period, the booking shall be treated as final. If a Client does not attend a confirmed consultation, the booking shall be treated in accordance with Adviseo's No-Show Policy.

Notwithstanding the foregoing, Adviseo may, at its sole discretion, permit the cancellation or rescheduling of a consultation in exceptional circumstances, including genuine booking errors, technical issues, emergencies, or any other circumstances that Adviseo reasonably considers appropriate. Any such exception shall be determined on a case-by-case basis and shall not create a right or precedent for future cancellations or refunds.

7.3 Expert Cancellation

Experts may cancel a confirmed consultation up to thirty (30) minutes before the scheduled start time. Where an Expert cancels a consultation, the Client shall not be charged any consultation fee, the platform booking fee shall generally be refunded to the Client, and repeated cancellations may result in warnings, temporary restrictions, suspension, or permanent removal from the Platform.

7.4 Eligible Refund Circumstances

Subject to investigation where appropriate, a refund may be granted in circumstances including where the Expert failed to attend the consultation, the consultation could not reasonably proceed due to a Platform technical failure, duplicate payments were processed, billing errors occurred, unauthorized or fraudulent transactions are confirmed, or any other circumstance that Adviseo reasonably determines justifies a refund.

7.5 Circumstances Generally Not Eligible for Refund

Refunds will generally not be granted solely because the Client disagreed with the Expert's opinion, was dissatisfied with the advice received, did not receive the expected outcome, changed their mind after the consultation concluded, or chose not to follow the Expert's advice.

7.6 Consultation Disputes

Where a dispute arises regarding a consultation, Adviseo may investigate the matter by reviewing available information, including booking records, platform logs, communications, reports submitted by the participants, and any supporting evidence voluntarily provided. Adviseo may request additional information from either participant before making a decision. Failure to cooperate with a reasonable investigation may affect Adviseo's ability to resolve the dispute.

7.7 Refund Method

Approved refunds shall generally be issued using the original payment method where reasonably practicable. Where this is not possible, Adviseo may issue refunds through another lawful method or, where available, through Platform credits or wallet balance. Applicable banking or payment processing timelines may affect when refunded amounts become available to the Client.

7.8 Final Decision

Except where otherwise required by applicable law, Adviseo reserves the right to make the final determination regarding refund eligibility after considering all relevant facts and circumstances. Each refund request is evaluated individually, and previous refund decisions do not create a precedent for future requests.

8. User Responsibilities & Acceptable Use

8.1 Lawful Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms and all applicable laws and regulations. You must not use the Platform for any fraudulent, unlawful, deceptive, or abusive activity.

8.2 Respectful Conduct

Clients and Experts are expected to interact professionally and respectfully. Users must not engage in harassment, threats, intimidation, hate speech, discriminatory conduct, sexually explicit or inappropriate behaviour, abusive language, stalking, or any conduct that creates an unsafe environment for another user.

8.3 Prohibited Activities

Users must not:

• impersonate another individual or organization;
• submit false or misleading information;
• create fake accounts;
• manipulate ratings or reviews;
• interfere with the operation or security of the Platform;
• attempt unauthorized access to Platform systems;
• upload malware or malicious code;
• use automated tools, bots, or scripts to abuse the Platform;
• engage in fraudulent payment activity;
• intentionally bypass Adviseo's booking or payment systems;
• encourage other users to circumvent the Platform;
• misuse Platform promotions, referral programs, or discounts;
• engage in spam or unsolicited advertising;
• violate another person's intellectual property or privacy rights;

8.4 Illegal or Harmful Requests

Clients must not use the Platform to request or encourage Experts to violate applicable laws, commit fraud, prepare false or misleading documents, facilitate money laundering or other financial crimes, infringe intellectual property rights, engage in harassment or discrimination, provide services outside the scope of applicable law, or participate in unlawful or harmful activity. Experts may immediately refuse or terminate consultations involving such requests and report the matter to Adviseo.

8.5 Platform Integrity

Users shall not attempt to disrupt, overload, reverse engineer, exploit vulnerabilities in, or otherwise interfere with the proper functioning of the Platform. Adviseo may investigate suspected misuse and take appropriate action to protect the Platform and its users.

8.6 Reporting Misconduct

Users are encouraged to promptly report suspected fraud, abuse, harassment, policy violations, safety concerns, or attempts to circumvent the Platform. Where reasonably available, supporting evidence such as screenshots, communications, or other relevant information should be provided to assist the investigation. Knowingly submitting false or malicious reports may itself constitute a violation of these Terms.

8.7 Enforcement

Where Adviseo reasonably believes that a user has violated these Terms or otherwise acted in a manner that threatens the safety, integrity, reputation, or proper operation of the Platform, Adviseo may take appropriate action, including issuing warnings, removing content, restricting Platform features, cancelling bookings, withholding payouts where permitted by applicable law, temporarily suspending accounts, or permanently terminating accounts. Adviseo may take such action immediately where reasonably necessary to protect users, comply with applicable law, investigate suspected misconduct, or preserve the integrity of the Platform.

9. Professional Services Disclaimer

9.1 Independent Experts

Adviseo is a technology marketplace that connects Clients with independent Experts. All consultations, opinions, recommendations, advice, analyses, strategies, or other professional services available through the Platform are provided solely by the respective Expert and not by Adviseo. Experts are independent service providers and are not employees, agents, partners, representatives, or joint venturers of Adviseo unless expressly stated otherwise.

9.2 No Professional Advice by Adviseo

Adviseo does not provide legal, medical, financial, tax, accounting, engineering, psychological, educational, career, or any other professional advice. The Platform merely facilitates discovery, scheduling, communication, payment processing, and other marketplace services. Nothing available on the Platform shall be interpreted as advice, recommendations, endorsements, guarantees, diagnoses, treatment, legal representation, investment recommendations, or professional services provided by Adviseo.

9.3 Verification of Experts

Adviseo performs reasonable verification of Experts in accordance with its verification policies. Such verification is intended to improve trust and platform integrity and should not be interpreted as a certification, professional licence, guarantee of competence, guarantee of experience, guarantee of suitability for any particular matter, or guarantee of consultation outcomes. Clients are encouraged to independently evaluate whether an Expert is appropriate for their individual circumstances.

9.4 Professional Judgment

Clients remain solely responsible for deciding whether and how to rely upon any information, advice, opinions, recommendations, or services received during a consultation. Except where prohibited by applicable law, Adviseo does not guarantee that any consultation will achieve a particular outcome or satisfy a Client's expectations. Where appropriate, Clients should seek additional professional opinions before making significant legal, medical, financial, business, or other important decisions.

9.5 Expert Responsibility

Each Expert is solely responsible for the professional services they provide, the accuracy of their advice, compliance with applicable laws, compliance with any professional licensing or registration requirements applicable to their profession, and maintaining appropriate professional standards and ethical obligations. Nothing in these Terms transfers an Expert's professional responsibilities to Adviseo.

9.6 Platform Responsibility

Adviseo is responsible only for the operation of the Platform and related marketplace services. Adviseo is not responsible for the substance of any consultation, professional opinions expressed by Experts, decisions made by Clients following consultations, or disputes arising solely from the professional advice or services provided by an Expert. Nothing in this section excludes or limits any liability that cannot lawfully be excluded under applicable law.

9.7 Emergency Situations

The Platform is not intended for emergencies or situations requiring immediate assistance. Clients experiencing a medical emergency, criminal emergency, threat to life, or any other urgent situation should immediately contact the appropriate emergency services or competent authorities rather than relying on the Platform. Adviseo does not guarantee the immediate availability or response of any Expert.

10. User Content, File Sharing & Communications

10.1 User Content

The Platform may allow Clients and Experts to upload, submit, transmit, or otherwise share information, documents, messages, images, files, and other content during their use of the Platform. Users remain solely responsible for all User Content that they upload, submit, or share through the Platform and represent and warrant that they have all necessary rights, permissions, and authority to upload and share such User Content.

10.2 Permitted Use of File Sharing

Files uploaded during a consultation are intended solely to facilitate the consultation between the participating Client and Expert. By voluntarily uploading a file during a consultation, the uploading user acknowledges and agrees that the receiving participant may access, download, store, and retain a copy of that file for purposes reasonably connected with the consultation. Adviseo cannot control or guarantee the deletion of files after they have been downloaded by another participant.

10.3 Prohibited Content

Users must not upload, transmit, distribute, or share any content that violates applicable law, infringes another person's intellectual property rights, contains malware or malicious code, contains unlawful, defamatory, abusive, discriminatory, or obscene material, contains fraudulent or misleading information, violates privacy or confidentiality rights, or otherwise violates these Terms or the Platform's Community Guidelines. Adviseo may remove or restrict access to any User Content that it reasonably believes violates these Terms.

10.4 Platform Communications

Adviseo may send communications relating to bookings, payments, invoices, account activity, security notifications, policy updates, customer support, and other operational matters necessary for providing the Platform. Users are responsible for ensuring that their contact information remains accurate and up to date.

10.5 Access to User Content

Adviseo respects the privacy of communications between Clients and Experts and does not routinely monitor consultations or private communications. However, Adviseo may access, review, preserve, or disclose User Content where reasonably necessary to investigate reports of misconduct, resolve disputes, comply with applicable law or lawful requests, maintain the security and integrity of the Platform, investigate suspected fraud or abuse, or address technical or operational issues. Any such access shall be limited to the extent reasonably necessary for the relevant purpose.

10.6 Recording of Consultations

Adviseo does not record consultations by default. No participant may record, photograph, screen-record, or otherwise capture any consultation without the prior express consent of every participant. Users are solely responsible for complying with all applicable laws relating to the recording of conversations.

10.7 User Responsibility

Users are solely responsible for the information and materials they choose to share during consultations. Adviseo does not verify the accuracy, completeness, ownership, legality, or appropriateness of User Content shared between participants and accepts no responsibility for such content except where required by applicable law.

10.8 License to Operate the Platform

By uploading or submitting User Content, users grant Adviseo a limited, non-exclusive, worldwide, royalty-free licence to host, store, process, transmit, display, and otherwise use such User Content solely to the extent reasonably necessary to operate, maintain, secure, improve, and provide the Platform and its related services. This licence does not transfer ownership of the User Content to Adviseo and automatically ends when Adviseo no longer requires the content for the purposes described above, subject to applicable law, legal obligations, dispute resolution requirements, backup systems, and data retention policies.

11. Intellectual Property

11.1 Ownership of the Platform

The Platform, including its software, source code, user interface, design, branding, logos, trademarks, graphics, text, databases, features, functionality, audiovisual content, and all related intellectual property rights, is owned by or licensed to Bandana Jha and is protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership rights in the Platform to any user.

11.2 Limited Licence to Use the Platform

Subject to these Terms, Adviseo grants users a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for its intended personal or business purposes. This licence does not permit users to copy or reproduce the Platform, modify or create derivative works, reverse engineer, decompile, or disassemble the Platform except where prohibited by applicable law, sell or commercially exploit the Platform, remove proprietary notices, or use the Platform in any manner inconsistent with these Terms.

11.3 Adviseo Branding

The name Adviseo, together with its logos, trademarks, service marks, trade dress, branding, graphics, and visual identity, are the exclusive property of Bandana Jha or the applicable licensors. Users may not use, reproduce, imitate, register, or otherwise exploit any Adviseo branding without prior written permission, except where such use is expressly permitted by applicable law.

11.4 Expert and User Content

Experts and Clients retain ownership of the content they create or upload to the Platform. Nothing in these Terms transfers ownership of User Content to Bandana Jha. However, users grant Bandana Jha the limited licence described in Section 10.8 solely for the purpose of operating, maintaining, improving, securing, and providing the Platform.

11.5 Feedback

If a user voluntarily provides suggestions, ideas, feature requests, comments, bug reports, or other feedback relating to the Platform, the user grants Bandana Jha a perpetual, worldwide, irrevocable, royalty-free, transferable, sublicensable licence to use, modify, publish, implement, commercialize, and otherwise exploit such feedback without compensation or acknowledgement. Users are under no obligation to provide feedback, and Bandana Jha is under no obligation to implement any feedback received.

11.6 Copyright Complaints

If you believe that content available on the Platform infringes your intellectual property rights, you may notify Bandana Jha by providing sufficient information to identify the allegedly infringing material and evidence supporting your claim. Bandana Jha may investigate such complaints and may remove or restrict access to the disputed content where it reasonably believes doing so is appropriate or required by applicable law. Knowingly submitting false or misleading intellectual property complaints may result in action under these Terms.

11.7 Reservation of Rights

Except for the limited rights expressly granted under these Terms, all rights, title, and interest in and to the Platform and its intellectual property remain reserved by Bandana Jha and the applicable licensors. No licence or right shall be implied merely by the use of the Platform.

12. Privacy & Data Protection

12.1 Privacy Commitment

Adviseo values the privacy of its users and is committed to handling personal information responsibly and in accordance with applicable laws. The collection, use, storage, disclosure, and processing of personal information are governed by Adviseo's Privacy Policy, which forms an integral part of these Terms. By using the Platform, you acknowledge that your personal information may be collected, processed, and used in accordance with the Privacy Policy.

12.2 Information Collected

Depending on your use of the Platform, Adviseo may collect account and profile information, booking and consultation details, payment and transaction information, communications with customer support, technical information relating to the use of the Platform, documents and files voluntarily uploaded by users, and any other information necessary for providing and improving the Platform.

12.3 Data Security

Adviseo implements reasonable administrative, technical, and organizational measures designed to protect user information against unauthorized access, loss, misuse, alteration, or disclosure. However, no method of electronic storage or transmission over the internet can be guaranteed to be completely secure. Users acknowledge that they provide information to the Platform at their own risk, subject to the protections provided by applicable law.

12.4 Third-Party Services

The Platform may integrate with third-party service providers for services such as authentication, payment processing, video communication, cloud hosting, analytics, email delivery, customer support, and other operational functions. Such third-party services may process user information in accordance with their own privacy policies and applicable laws. Adviseo encourages users to review the privacy practices of any third-party services used in connection with the Platform.

12.5 Data Retention

Adviseo may retain user information for as long as reasonably necessary to provide the Platform, comply with legal obligations, resolve disputes, enforce these Terms, investigate fraud or misconduct, or satisfy legitimate business and operational requirements. Data may be deleted, anonymized, or retained following account closure in accordance with applicable law and Adviseo's Privacy Policy.

12.6 User Rights

Where provided under applicable law, users may have rights regarding their personal information, including the right to request access, correction, deletion, or other lawful processing requests. Adviseo will consider and respond to such requests in accordance with applicable law and its Privacy Policy.

12.7 Confidentiality of Consultations

Adviseo respects the privacy of consultations conducted through the Platform. Except as otherwise provided in these Terms, the Privacy Policy, or where required by applicable law, Adviseo does not intentionally access the contents of consultations unless reasonably necessary to investigate reported misconduct, resolve disputes, comply with legal obligations, protect the safety of users, maintain the security and integrity of the Platform, or address technical or operational issues. Any such access shall be limited to what is reasonably necessary for the relevant purpose.

12.8 Privacy Policy

Users are encouraged to carefully read Adviseo's Privacy Policy, which provides additional information regarding the Platform's privacy practices and forms an integral part of these Terms.

13. Suspension & Termination

13.1 Suspension by Adviseo

Adviseo may, at its sole discretion and where reasonably necessary, temporarily restrict, suspend, or permanently terminate any account or access to the Platform where it reasonably believes that a user has violated these Terms, violated the Expert Agreement, Community Guidelines, or any applicable Platform policies, provided false or misleading information, engaged in fraudulent or unlawful conduct, failed to pay valid outstanding amounts owed to the Platform, attempted to circumvent booking or payment systems, abused or endangered another user, manipulated ratings or bookings, compromised Platform security, or otherwise used the Platform in a manner that may expose Adviseo, its users, or third parties to legal, financial, operational, or reputational risk.

Adviseo may take such action immediately where reasonably necessary to protect users, comply with applicable law, investigate suspected misconduct, prevent fraud, or preserve the integrity of the Platform.

13.2 Consequences of Suspension

During a period of suspension, Adviseo may restrict access to some or all Platform features, including booking consultations, accepting consultations, receiving payouts, accessing certain Platform functionality, or any other feature reasonably necessary to enforce these Terms. Suspension does not relieve any user of obligations that arose before the suspension, including payment obligations, confidentiality obligations, or other continuing responsibilities under these Terms.

13.3 Termination by the User

Users may discontinue their use of the Platform at any time. Where account deletion functionality is made available, users may request closure of their account in accordance with the Privacy Policy and applicable law. Termination of an account does not automatically cancel outstanding bookings, payment obligations, refund investigations, legal claims, or any obligations that by their nature are intended to survive termination.

13.4 Termination by Adviseo

Adviseo may permanently terminate an account where repeated or serious violations of these Terms occur, fraudulent or criminal activity is reasonably suspected, required verification can no longer be maintained, the continued operation of the account presents an unacceptable risk to the Platform or its users, or termination is otherwise required by applicable law or competent legal authority. Where reasonably practicable, Adviseo may notify the affected user after such action has been taken.

13.5 Effect of Termination

Upon termination of an account, access to the Platform may immediately cease, future bookings may be cancelled where reasonably necessary, outstanding payments and obligations shall remain payable, completed consultations and transaction records may be retained in accordance with applicable law and the Privacy Policy, and any rights or obligations that by their nature survive termination shall continue to remain in effect.

13.6 No Circumvention of Enforcement

Users whose accounts have been suspended or terminated must not create or use additional accounts to evade Platform restrictions. Adviseo reserves the right to suspend or terminate any account reasonably believed to have been created for the purpose of circumventing enforcement actions taken under these Terms.

13.7 Survival

The following provisions shall survive the suspension or termination of an account to the extent applicable: payment obligations, intellectual property rights, confidentiality obligations, limitation of liability, indemnification, dispute resolution, governing law, and any other provisions that by their nature are intended to survive termination.

14. Disclaimers & Limitation of Liability

14.1 Platform Provided "As Is"

The Platform is provided on an "as is" and "as available" basis to the fullest extent permitted by applicable law. While Adviseo strives to provide a reliable and secure Platform, Adviseo does not guarantee that the Platform will always be uninterrupted, error-free, secure, available at all times, or free from technical issues.

14.2 No Guarantee of Outcomes

Adviseo does not guarantee the outcome of any consultation, the accuracy or completeness of advice provided by an Expert, that a consultation will meet a Client's expectations, that a particular Expert is suitable for a Client's individual circumstances, future availability of any Expert, or uninterrupted operation of the Platform. Each consultation is unique and depends upon numerous factors beyond Adviseo's reasonable control.

14.3 Independent Professional Services

Experts are independent professionals who are solely responsible for the professional services they provide. Adviseo does not supervise, direct, control, or participate in the substance of consultations and is not responsible for the advice, opinions, recommendations, or professional services provided by Experts.

14.4 Client Decisions

Clients remain solely responsible for evaluating and deciding whether and how to act upon information, opinions, recommendations, or advice received during consultations. Where appropriate, Clients should obtain additional professional opinions before making significant legal, financial, medical, business, or other important decisions.

14.5 Third-Party Services

The Platform relies upon various third-party services, including payment processors, authentication providers, cloud infrastructure providers, communication services, and other technology partners. Adviseo is not responsible for interruptions, delays, outages, or failures arising solely from the services of such third parties, except where required by applicable law.

14.6 Technical Issues

Adviseo makes reasonable efforts to maintain the reliability of the Platform. However, Adviseo shall not be responsible for losses resulting solely from internet connectivity issues, device failures, telecommunications failures, third-party service interruptions, power outages, user equipment or software issues, or other circumstances beyond Adviseo's reasonable control. Nothing in this section limits any refund rights otherwise available under these Terms.

14.7 Limitation of Liability

To the fullest extent permitted by applicable law, Adviseo's liability arising out of or relating to the Platform shall be limited to direct losses actually suffered by the affected user. Adviseo shall not be liable for any indirect, incidental, consequential, exemplary, special, or punitive damages, including loss of profits, business opportunities, goodwill, anticipated savings, reputation, or data, arising from the use of or inability to use the Platform.

14.8 Maximum Liability

To the fullest extent permitted by applicable law, Adviseo's aggregate liability arising from any claim relating to the Platform shall not exceed the total amount of platform fees actually paid by the affected user to Adviseo during the twelve (12) months immediately preceding the event giving rise to the claim. This limitation does not apply where liability cannot lawfully be limited or excluded under applicable law.

14.9 Consumer Rights

Nothing in these Terms excludes, restricts, or limits any rights, remedies, guarantees, or protections that cannot lawfully be excluded under applicable law. Where applicable law grants users mandatory rights, those rights shall prevail over any inconsistent provision of these Terms.

14.10 Good Faith Operation

Adviseo undertakes to operate the Platform in good faith and to implement reasonable measures to maintain the security, reliability, and integrity of the Platform. Nothing in these Terms shall be interpreted as excluding liability for fraud, willful misconduct, or any liability that cannot lawfully be excluded under applicable law.

15. Indemnification

15.1 User Indemnity

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Adviseo, its owner, affiliates, successors, licensors, service providers, employees, contractors, representatives, and agents from and against any claims, demands, proceedings, liabilities, damages, judgments, settlements, losses, costs, expenses, penalties, fines, and reasonable legal fees arising out of or relating to your use or misuse of the Platform, violation of these Terms or Platform policies, violation of law, infringement of rights, User Content submitted or shared by you, fraudulent or unlawful conduct, professional services provided by you if you are an Expert, or any act or omission by you that causes loss or liability to Adviseo or a third party.

15.2 Expert Indemnity

Without limiting Section 15.1, each Expert agrees to indemnify and hold harmless Adviseo from any claims arising out of or relating to professional advice or services provided by the Expert, inaccurate or false professional claims, failure to comply with applicable licensing or professional obligations, negligence, misconduct, unlawful conduct, or any breach of the Expert Agreement.

15.3 Client Indemnity

Without limiting Section 15.1, each Client agrees to indemnify and hold harmless Adviseo from claims arising out of misuse of the Platform, fraudulent payment activity, unauthorized use of another person's payment method, unlawful requests made during consultations, violations of another person's rights, or any conduct that exposes Adviseo or another user to legal liability.

15.4 Cooperation

Where Adviseo reasonably believes that an indemnified claim may arise, the affected user agrees to cooperate in good faith by providing information, documents, and reasonable assistance necessary to investigate, defend, or resolve the matter.

15.5 Adviseo's Rights

Adviseo reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by a user. Where Adviseo elects to do so, the user agrees to continue providing reasonable cooperation and shall not settle any such claim in a manner that imposes obligations or admits liability on behalf of Adviseo without Adviseo's prior written consent.

15.6 Limitation

Nothing in this section requires a user to indemnify Adviseo for claims arising solely from Adviseo's own fraud, willful misconduct, or any liability that cannot lawfully be transferred or excluded under applicable law.

16. Governing Law & Dispute Resolution

16.1 Governing Law

These Terms, together with all related Platform policies, shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

16.2 Good Faith Resolution

Adviseo encourages users to first contact customer support to attempt to resolve any questions, complaints, or disputes informally before commencing formal legal proceedings. Both Adviseo and the user agree to make reasonable efforts to resolve disputes in good faith wherever practicable.

16.3 Jurisdiction

Subject to applicable law, the courts having jurisdiction over the location of Adviseo's principal place of business shall have exclusive jurisdiction over any dispute, claim, or proceeding arising out of or relating to these Terms or the use of the Platform. Nothing in this section limits any jurisdiction that cannot lawfully be excluded under applicable law.

16.4 Injunctive Relief

Nothing in these Terms prevents Adviseo from seeking temporary, interim, or permanent injunctive or equitable relief from a court of competent jurisdiction where reasonably necessary to protect intellectual property, confidential information, Platform security, users, or other legitimate legal rights.

16.5 Limitation Period

To the fullest extent permitted by applicable law, any claim arising out of or relating to the Platform should be brought within the period prescribed by applicable law. Nothing in this section limits any statutory limitation period that cannot lawfully be shortened or excluded.

16.6 Electronic Communications

Users agree that electronic communications, notices, invoices, records, agreements, and other information provided by Adviseo satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law. Electronic records maintained by Adviseo in the ordinary course of business may be relied upon as evidence, subject to applicable law.

16.7 Language

These Terms are drafted in the English language. Where translations are provided for convenience, the English version shall prevail to the extent permitted by applicable law in the event of any inconsistency or conflict.

17. General Legal Provisions

17.1 Changes to these Terms

Adviseo may modify, update, or replace these Terms from time to time to reflect changes in the Platform, applicable laws, business practices, or operational requirements. Where reasonably practicable, Adviseo will provide notice of material changes through the Platform, email, or other appropriate means. Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the updated Terms. If you do not agree to the revised Terms, you must discontinue your use of the Platform.

17.2 Force Majeure

Adviseo shall not be liable for any delay or failure in performing its obligations under these Terms where such delay or failure results from circumstances beyond its reasonable control, including natural disasters, floods, earthquakes, fires, pandemics, war, terrorism, civil unrest, government actions, internet or telecommunications failures, cyberattacks, failures of third-party infrastructure or service providers, or other events beyond Adviseo's reasonable control. Adviseo will make reasonable efforts to resume normal operations as soon as practicable following the cessation of such circumstances.

17.3 Severability

If any provision of these Terms is determined by a court or other competent authority to be unlawful, invalid, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable, where legally permissible. If modification is not possible, the affected provision shall be deemed severed from these Terms without affecting the validity or enforceability of the remaining provisions.

17.4 Waiver

A failure or delay by Adviseo in exercising any right or remedy under these Terms shall not constitute a waiver of that right or remedy. Any waiver shall be effective only if made expressly in writing by Adviseo.

17.5 Assignment

Users may not assign, transfer, delegate, or otherwise dispose of any rights or obligations under these Terms without Adviseo's prior written consent. Adviseo may assign or transfer its rights or obligations under these Terms in connection with a merger, acquisition, corporate restructuring, sale of assets, financing transaction, or by operation of law.

17.6 Entire Agreement

These Terms, together with the Privacy Policy, Expert Agreement where applicable, Community Guidelines, Refund & Cancellation Policy, and any other policies expressly incorporated by reference, constitute the entire agreement between the user and Adviseo regarding the use of the Platform. These documents supersede all prior understandings, discussions, communications, or agreements relating to the same subject matter.

17.7 No Partnership or Employment Relationship

Nothing contained in these Terms shall be interpreted as creating any partnership, joint venture, agency, employment, franchise, fiduciary, or similar relationship between Adviseo and any Expert, Adviseo and any Client, or any Client and any Expert, except to the extent expressly stated in a separate written agreement. Experts operate as independent professionals and remain solely responsible for their own professional services.

17.8 Interpretation

Headings and section titles are included solely for convenience and shall not affect the interpretation of these Terms. Words importing the singular include the plural and vice versa where the context requires. References to "including" or similar expressions shall be interpreted as "including without limitation."

17.9 Survival

Any provision of these Terms which by its nature is intended to survive suspension, termination, expiration, or completion of the user relationship shall continue in full force and effect, including provisions relating to payment obligations, intellectual property, confidentiality, indemnification, limitation of liability, dispute resolution, and any other provisions reasonably intended to survive.

18. Contact Information

If you have any questions regarding these Terms, the Platform, or any related policies, you may contact Adviseo using the details below.

Legal Owner & Operator

Bandana Jha

Platform

Adviseo

Support & General Enquiries

helloadviseo@gmail.com

Legal Notices

adviseohq@gmail.com

Legal Notices

Any legal notices, claims, complaints, or other formal communications relating to these Terms should be submitted in writing to the contact details provided above. Adviseo may update its contact information from time to time by publishing the revised details on the Platform or through other reasonable means.

Effective Date

These Terms shall become effective on the date they are published on the Platform and shall remain in effect until amended or replaced in accordance with these Terms.