Terms of Use

1. Introduction

These Terms of Use (“Terms”) govern your access to and use of the BillBxa platform, including the mobile application, web portals, the website available at www.billbxa.com, and any related digital services, communication channels, or interfaces operated by Billbox AI Innovations Private Limited (“BillBxa”, “we”, “us”, or “our”) (collectively, the “Platform”).

By accessing or using the Platform in any manner, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Platform.

2. Account Registration

To access certain features of the Platform, you may be required to register an account.

By registering or using the Platform, you represent and warrant that:

• You are at least 18 years of age and have the legal capacity to enter into a binding agreement
• All information you provide is accurate, complete, and current
• You will maintain the confidentiality of your account credentials
• You are responsible for all activities conducted through your account

You agree to notify us immediately of any unauthorized access or security breach. BillBxa is not responsible for any loss or damage arising from unauthorized use of your account.

We reserve the right to suspend, restrict, or terminate accounts at our discretion.

3. Acceptable Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms.

You shall not:

• Violate any applicable law or regulation
• Upload or transmit unlawful, misleading, harmful, defamatory, obscene, or infringing content
• Introduce viruses, malware, or other harmful code
• Attempt unauthorized access to systems, data, or networks
• Interfere with or disrupt the Platform or its infrastructure
• Copy, reverse engineer, modify, or exploit any part of the Platform without authorization

You are solely responsible for your use of the Platform and any content you submit.

4. User Content

“User Content” means any data, information, documents, or materials you submit, upload, or make available through the Platform.

You retain ownership of your User Content. By submitting User Content, you grant BillBxa a limited, non-exclusive, royalty-free license to host, store, process, and use such User Content solely to operate, maintain, and provide the Platform.

You represent that you have all necessary rights to submit User Content and that such content does not violate any third-party rights or applicable laws.

5. Derived Data

You retain ownership of your User Content.

Notwithstanding the foregoing, BillBxa exclusively owns all rights, title, and interest in and to any data, information, insights, metrics, scores, analyses, reports, models, methodologies, processes, algorithms, improvements, or other materials that are generated, derived, inferred, or created by BillBxa through the operation of the Platform, including through the aggregation, anonymization, transformation, or analysis of User Content (“Derived Data”).

Derived Data does not include information that identifies you personally or discloses your User Content in an identifiable form.

BillBxa may use Derived Data for legitimate business purposes, including but not limited to:

• operating and maintaining the Platform
• improving features, performance, and security
• developing new products or services
• analytics, research, benchmarking, and compliance

Nothing in these Terms grants you any rights in BillBxa’s proprietary technology or Derived Data.

6. Intellectual Property

All content, software, designs, trademarks, logos, and materials provided by BillBxa (“Company Content”) are owned by or licensed to BillBxa and are protected by applicable intellectual property laws.

You are granted a limited, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes only. You may not copy, distribute, modify, or create derivative works from Company Content without prior written consent.

7. Third-Party Services

The Platform may integrate with or link to third-party services, tools, or websites. Such services are governed by their own terms and policies.

BillBxa does not control and is not responsible for third-party services, their availability, content, or practices. Your use of such services is at your own risk.

8. Disclaimers

The Platform is provided on an “as is” and “as available” basis.

To the maximum extent permitted by law:

• We do not guarantee uninterrupted or error-free operation
• We make no warranties regarding accuracy, reliability, or fitness for a particular purpose
• We disclaim all express or implied warranties
• Any reliance on information or outputs from the Platform is at your own discretion and risk

9. Limitation of Liability

To the maximum extent permitted by law, BillBxa shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of data, profits, business opportunities, or goodwill
• Service interruptions, system failures, or errors
• Decisions made or actions taken based on Platform outputs

In no event shall BillBxa’s aggregate liability exceed the amount paid by you (if any) for use of the Platform during the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless BillBxa, its directors, officers, employees, and affiliates from any claims, damages, losses, liabilities, or expenses arising from:

• Your use of the Platform
• Your violation of these Terms
• Your infringement of any third-party rights

11. Account Termination

You may stop using the Platform at any time.

BillBxa may, at its sole discretion, suspend, restrict, terminate, or refuse to provide or continue providing the Platform or any part thereof to any user, at any time, with or without notice, for any reason or no reason, including but not limited to:

• violation of these Terms
• violation of applicable laws or regulations
• security, risk, compliance, or operational considerations
• modification, suspension, or discontinuation of the Platform or its services

Upon suspension or termination, access to the Platform may be discontinued, and any data associated with your account will be handled in accordance with our Privacy Policy and applicable laws.

12. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date.

Your continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts in Delhi, India.

BillBxa reserves the right to seek interim or injunctive relief from any court of competent jurisdiction.

14. Severability and Entire Agreement

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and BillBxa regarding use of the Platform.

15. Contact Information

If you have any questions regarding these Terms, please contact: