June 10, 2025
These Terms of Service (“Terms”) constitute a binding legal agreement between you and Discharge.cc. Discharge.cc (the “Company” or “we” or “us”) is a company incorporated under the Companies Act, 2013, having its registered office at Some place in, Thane West, Thane, Maharashtra, India. The Company operates the website at www.discharge.cc (the “Website”) and all associated applications, products, and services (collectively, the “Platform”) to provide AI-powered claims management, insurance data automation, AI-driven claims adjudication tools, and automated query response services (collectively, the “Services”). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE PLATFORM OR THE SERVICES.
These Terms, together with our Privacy Policy (available at www.discharge.cc/privacy-policy) and any other policies or notices on the Platform (collectively the “Terms and Conditions”), constitute the entire agreement between you and Company regarding your use of the Platform and the Services. By continuing to use the Platform, you accept these Terms as updated. Each of you and the Company is individually referred to as a “Party” and together as the “Parties.”
From time to time, you may be required to click on an “I Accept” or similar button to indicate your agreement to these Terms. Any such electronic acceptance will be deemed valid and binding.
Company may update, amend or modify these Terms at any time in its sole discretion. We will post any revised Terms on the Platform, and it is your responsibility to review them periodically. All changes are effective immediately upon posting, and your continued use of the Platform after changes are posted will constitute your acceptance of the updated Terms. We may notify you of material changes via email or on the Platform, but such notice is not required. If you do not agree to any changes, you should stop using the Platform; otherwise, your continued use signifies acceptance of the revised Terms.
Subject to your compliance with these Terms, the Company grants you access to the Platform and related Services, which include but are not limited to:
Company reserves the right to add, update, or remove features of the Platform and the Services at any time. You agree to install all updates when notified in order for Company to continue providing support and service performance.
By using the Platform, you represent that you are at least 18 years old, have the legal capacity to enter into a binding contract, and are not barred from contracting under applicable law (for example, you are not an undischarged insolvent or of unsound mind). Use of the Platform by minors or persons not legally competent to contract is strictly prohibited.
You must register an Account on the Platform to use the Services. When registering and setting up your Account, you agree to:
You will not register an Account using false identities, impersonate any person or entity, or allow any other person to use your Account. Any Account found to be fraudulent or unauthorized may be suspended or terminated.
You are responsible for maintaining the confidentiality of your Account credentials. You must not share your password or security information with anyone. You are liable for all activities that occur under your Account, whether or not you authorize them. You agree to notify Company immediately of any unauthorized use of your Account. Company will not be liable for any losses resulting from unauthorized use of your Account unless such use was caused by Company’s gross negligence.
If any information you provide is found to be false, inaccurate, outdated or incomplete, or if Company has reasonable grounds to suspect such, Company may suspend or terminate your Account and refuse any current or future use of the Platform or Services (or any portion thereof) at its sole discretion.
Subject to your compliance with these Terms, Company grants you a limited, non-exclusive, non-transferable license to:
You may not sublicense, distribute, modify, create derivative works of, publicly display, or otherwise exploit the Platform or Services except as expressly permitted by these Terms. All rights not expressly granted to you are reserved by Company. The Platform and all intellectual property rights therein are and will remain the exclusive property of Company.
You agree that your access to and use of the Platform and Services are non-exclusive and non-transferable. You shall not allow any other person or entity to use your Account to access the Services or share any of your rights under this license. You may not assign, transfer, or sublicense your rights or obligations under these Terms without Company’s prior written consent.
The Platform may offer subscription-based or usage-based pricing for the Services. The available plans and pricing will be displayed on the Platform and may be updated by Company from time to time. You are responsible for selecting the appropriate subscription or plan for your needs.
Company will invoice you according to the subscription plan or Services you select. Unless otherwise agreed, you agree to pay the subscription fees and any applicable taxes in advance of each billing period in accordance with the terms on the Platform.
Subscription plans will automatically renew at the end of each term, unless either party terminates in accordance with these Terms. If you do not pay the renewal fees in a timely manner, Company may suspend or terminate your access to the Services without further notice.
You may cancel your subscription or terminate these Terms at any time by notifying Company in writing or through the Platform. If you terminate, Company will refund on a monthly pro-rata basis any prepaid fees corresponding to the unused portion of your subscription after the date of termination. No other refunds will be issued, except as required by law. We do not provide refunds for partial use of a subscription period (except on a pro-rata basis as described).
You agree not to use the Platform or Services for any unlawful or prohibited purpose. You must comply with all applicable local, state, national, and international laws and regulations in connection with your use of the Platform. You shall notify Company immediately of any technical problems or security breaches that you observe on the Platform.
You shall not, and shall not permit any other person to, use the Platform to:
Company reserves the right to disable or remove any Account or content at any time for any reason, including if we believe these Terms are being violated. We may also cooperate with law enforcement authorities if required.
You agree that all information and materials you provide to us are truthful, accurate, and not misleading. You may only upload or provide data to the Platform that you have the legal right to use or disclose. Company will use and disclose your information in accordance with our Privacy Policy and applicable data protection laws. We will not sell or share your personally identifiable information with third parties for marketing purposes without your explicit consent.
You may update your Account information at any time through the Platform. Company may review or moderate any changes you make.
Company may use internal or third-party services (such as cloud hosting providers) to store and maintain the Platform and your data. While we make commercially reasonable efforts to maintain availability, we do not guarantee that the Platform or your data will be available or error-free at all times. We are not liable for any loss of data, alterations, or inaccessibility of your data due to factors beyond our control (such as server outages or internet disruptions).
We may preserve or disclose your information if required by law or if we believe it is reasonably necessary to:
Each Party represents and warrants that it has the legal authority and capacity to enter into and perform these Terms. The User may not assign or transfer its rights or obligations under these Terms to any other person or entity without the prior written consent of Company.
The Platform may contain links to third-party websites, applications, or services, or allow you to connect with third-party service providers. Company does not endorse and is not responsible for any third-party content, sites, or services. We make no representations or warranties about the quality, safety, or suitability of any third-party products or services mentioned or available through the Platform. Any transactions or interactions you have with third parties are solely between you and the third party, and you agree that Company is not responsible for any loss or damage resulting from such transactions or interactions.
If you click on links to third-party sites, you acknowledge that we do not control, and are not responsible for, those sites or their content. You agree that Company is not responsible for any loss or damage resulting from your use of any third-party site. We may disable links to third-party websites at our discretion, but we are not obligated to do so.
Some features of the Services may allow for interactive content or communication between you and other users or third parties. Company is not responsible for the content, accuracy, opinions, or actions of any other user or third party. You are solely responsible for your communications and interactions with others through the Services, including any personal data you choose to share. You may only use the Platform for purposes expressly permitted by these Terms.
Discharge.cc or its licensors own all intellectual property rights in and to the Platform, the Services, and all content provided on or through the Platform. This includes, without limitation, any patents, copyrights, trademarks, trade secrets, or other proprietary rights in any software, algorithms, data, designs, know-how, documentation, or other materials (collectively, “Intellectual Property”). All rights are reserved.
From time to time, Company may provide you with certain materials (such as audio recordings, video content, written materials, or other media) in connection with the Services (“Company Materials”). Company Materials remain the exclusive property of Company. You agree that you will not share or distribute Company Materials with any third party without Company’s prior written consent. Any unauthorized sharing or use of Company Materials may cause irreparable harm to Company.
Company hereby grants you a revocable, non-exclusive, non-transferable license to use Company Materials solely for your personal, non-commercial purposes in connection with the Services. No other rights to Company Materials are granted to you.
You agree to keep all Confidential Information of Company confidential. “Confidential Information” includes any non-public information provided by the Company or learned by you through or in connection with these Terms, such as technical, business, financial, or customer information, whether in written, oral or electronic form. You agree not to disclose Confidential Information to any third party without Company’s prior written consent.
Confidential Information does not include information that:
You may only use Confidential Information for the purposes of performing your obligations or exercising your rights under these Terms. The obligations of confidentiality will survive the termination of this Agreement.
You are prohibited from using the Platform for any illegal activities. Without limiting the generality of the foregoing, you shall not:
If Company becomes aware of any such illegal or unauthorized use (by our own knowledge or notice from an affected person), Company may disable or remove the offending content or Account. Company may preserve records of the activity for at least 90 days and may share them with law enforcement if required. In case of any violation of law or these Terms, Company may terminate your access to the Platform immediately and remove any non-compliant information.
These Terms remain in effect until terminated by either you or Company. You may terminate these Terms at any time by notifying Company in writing (including via the Platform) that you will no longer use the Services. Company may suspend or terminate your access to the Platform at any time, with or without notice, for any reason (including technical or security reasons or your breach of these Terms) and without liability.
Company may suspend access to the Platform for scheduled maintenance. We will attempt to provide at least 48 hours’ notice for planned maintenance via the contact information you provided. During maintenance, the Platform and Services may be unavailable or limited.
If your Account is suspended or terminated, you may not continue to use the Platform under the same or any other account, and you will lose access to all data, messages, and other content in your Account. All provisions of these Terms which by their nature should survive termination (including disclaimers, indemnity, and limitations of liability) will remain in effect after termination.
Upon termination of these Terms, you will remain obligated to pay any fees or charges accrued up to the date of termination. Any rights or obligations that by nature survive termination (for example, confidentiality obligations) will continue to apply.
The Platform may provide automatic or customized alerts (e.g., notifications about claims or updates). You understand that these alerts may sometimes be delayed or prevented by factors beyond our control. While we make reasonable efforts to send timely and accurate alerts, we do not guarantee their delivery or content. Company will not be liable for any delays, failures, errors or omissions in alerts, nor for any actions you or third parties take in reliance on alerts.
Company may contact you (via telephone, email, SMS or other means) for purposes including:
You agree to cooperate with such communications and keep your contact information up to date.
THE SERVICES AND CONTENT ON THE PLATFORM ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COMPANY DOES NOT WARRANT THAT THE PLATFORM OR ITS CONTENT WILL BE ACCURATE, RELIABLE, UNINTERRUPTED, OR SECURE. YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK.
COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS AND PARTNERS DO NOT WARRANT THAT:
You agree that we will not be liable for any of the above. Company makes no warranties about the operation of the Platform or its content.
We also do not warrant that you will be able to use the Platform at all times or locations. The materials on the Platform may contain typographical errors, inaccuracies, or omissions. Company may make changes to the Platform or the Services at any time without notice.
Company does not promise to store or maintain any of your posted content indefinitely. You acknowledge that Company does not provide a data storage service and has no obligation to keep back-up copies of your content, except as required by law or as specified in our Privacy Policy.
You agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, contractors, suppliers and agents (the “Indemnified Parties”) from and against any and all claims, liabilities, losses, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your use of or conduct on the Platform; (ii) any violation of these Terms by you; or (iii) any violation of law or rights of a third party.
TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY (AND ITS AFFILIATES, LICENSORS OR SERVICE PROVIDERS) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO ANY LOSS OF PROFITS, LOSS OF BUSINESS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, LOSS OF GOODWILL, OR LOSS OR CORRUPTION OF DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THESE TERMS OR THE PLATFORM, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN PARTICULAR, COMPANY WILL NOT BE LIABLE FOR YOUR RELIANCE ON THE SERVICES OR FOR ANY DAMAGES RESULTING FROM ANY INACCURACIES OR ERRORS IN THE SERVICES. YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK.
THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO LIABILITY FOR DEATH OR BODILY INJURY CAUSED BY COMPANY’S NEGLIGENCE, OR FOR FRAUD, OR FOR ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED BY LAW. COMPANY’S AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO COMPANY FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE CLAIM (IF ANY).
Any cause of action you may have with respect to the Platform must be commenced within twelve (12) months after the cause of action accrued, or be barred.
Company is not responsible for any failure or delay caused by:
We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms at any time without notice. We encourage you to review these Terms periodically. Your continued use of the Platform following any changes will constitute your acceptance of the modified Terms. As long as you comply with these Terms, we grant you a personal, non-exclusive, non-transferable privilege to enter and use the Platform.
If any provision of these Terms is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, such provision will be struck and the remaining provisions will remain in full force and effect. The failure of either party to enforce any right or provision of these Terms will not be considered a waiver of that or any other right or provision.
Neither party will be liable for any failure or delay in the performance of its obligations under these Terms due to causes beyond its reasonable control, including but not limited to natural disasters, epidemics, acts of war or terrorism, strikes or labor disputes, or other acts of God or any condition or action beyond the party’s control (each a “Force Majeure Event”). The affected party will give prompt notice of the Force Majeure Event (within three days of its occurrence) describing the cause and expected duration. The affected party will use reasonable efforts to resume performance once the cause of the delay or failure is removed. If the Force Majeure Event continues for more than thirty (30) business days, either party may terminate these Terms without penalty.
Nothing in these Terms shall create any partnership, joint venture, agency, or employment relationship between you and Company. You are an independent user of the Platform. You have no authority to bind or obligate Company in any way.
These Terms are personal to you, and you may not assign, transfer or otherwise delegate your rights or obligations under these Terms to any third party without the prior written consent of Company.
These Terms and any disputes arising out of or relating to the use of the Platform shall be governed by and construed in accordance with the laws of India. You agree that all legal proceedings brought against Company arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the courts of Thane, Maharashtra, India.
These Terms (including all policies and notices referenced herein) constitute the entire agreement between you and Company with respect to the Platform and Services, and supersede all prior agreements or understandings, whether written or oral.
In compliance with the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, Company has appointed a Grievance Officer to address user complaints. If you have any grievances regarding the content or operation of the Platform, please contact our Grievance Officer at:
The Grievance Officer will acknowledge your complaint within twenty-four (24) hours and will make best efforts to resolve it within fifteen (15) days of receipt. We will treat your grievance with priority in accordance with applicable regulations.
Discharge.cc provides email, telephone, and in-app support for its Services. For assistance, you can contact our support team via:
Support is available Monday through Friday from 9:00 a.m. to 6:00 p.m. IST (excluding public holidays). We will attempt to address and resolve any complaints or requests in accordance with our standard procedures. Your dissatisfaction with the outcome of a support request will not necessarily mean that the issue has not been addressed.
In accordance with the Consumer Protection (E-commerce) Rules, 2020, Company has appointed a Nodal Officer for consumer grievances. You may contact the Nodal Officer with any consumer-related complaints at:
The Nodal Officer will review and address consumer complaints in accordance with applicable laws.
If you have any questions or need further information about these Terms or the Platform, you may contact us at:
We may require you to provide relevant personal and account details (such as your registered email or mobile number) to verify your identity when you contact us.
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