Terms of Service

1. Acceptance of Terms

By accessing or using the Inscriben platform ("Service"), operated by NXFIN TECHNOLOGIES PRIVATE LIMITED ("Company", "we", "us", or "our"), a company incorporated under the laws of the Republic of India, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms constitute a legally binding agreement between you and NXFIN TECHNOLOGIES PRIVATE LIMITED.

2. Description of Service

Inscriben is an electronic signature and digital permanence platform that enables users to upload contracts and documents, route them for signature, and collect cryptographically verified, biometrically authenticated electronic signatures. The platform provides document encryption, SHA-256 cryptographic hashing, immutable audit trails, and identity verification via facial capture and third-party e-sign verification services.

3. Account Registration & Capacity

• You must provide accurate, current, and complete information during registration.
• You represent and warrant that you are of legal age of majority (at least 18 years old) and possess the full legal capacity to enter into binding agreements.
• If you register or use the Service on behalf of a business, company, or legal entity, you represent and warrant that you possess all requisite corporate authority to bind that entity to these Terms.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• You must notify us immediately at security@inscriben.com of any unauthorized access or security breach.

4. Credit System, Pricing & Billing

• New accounts receive 3 free envelopes (signing credits) upon registration to evaluate the Service.
• Additional credits can be purchased in packs: 100 envelopes (₹699 INR) or 1,000 envelopes (₹4,999 INR), billed securely via Razorpay.
• All listed prices are exclusive of applicable indirect taxes (including Goods and Services Tax / GST, Value Added Tax / VAT, or sales taxes), which shall be calculated and added at checkout where legally mandated.
• Each envelope permits one document to be sent for signature to up to 10 signatories.
• Purchased credits remain valid for 1 year from the date of purchase. Expired credits cannot be reinstated or transferred.
• Refund Policy: Envelope credits are digital services provisioned immediately upon transaction confirmation. Because credits are made accessible instantaneously, purchases are non-refundable once any credit from a pack has been utilized. For unconsumed packs, refund requests submitted within 7 days of purchase may be evaluated on a case-by-case basis in accordance with mandatory consumer protection statutes.

5. Acceptable Use & Excluded Transactions

You agree to use the Service solely for lawful purposes. You shall not:

• Use the Service for any fraudulent, deceptive, or unlawful activity.
• Impersonate any individual or entity, or misrepresent authority to execute documents.
• Upload documents containing malware, spyware, trojans, or malicious scripts.
• Attempt to reverse engineer, decompile, or bypass cryptographic protections of the platform.
• Interfere with or disrupt the stability, integrity, or network security of the Service.
• Excluded Documents: You acknowledge that certain documents may be legally prohibited from execution via electronic signatures under applicable laws (such as Section 1(4) of the Indian IT Act 2000, including wills, codicils, negotiable instruments other than cheques, powers of attorney, trusts, or contracts for the sale or conveyance of immovable property). You bear sole responsibility for ensuring that your transactions are legally permissible for electronic signature under local governing law.

6. Document & Signature Validity

Inscriben is engineered to facilitate electronic signatures that satisfy legal validity standards under major global statutes:

• India: Information Technology Act, 2000 (as amended), including Sections 3A, 5, and 10A, and evidentiary admissibility under the Indian Evidence Act / Bharatiya Sakshya Adhiniyam.
• United States: ESIGN Act (15 U.S.C. § 7001 et seq.) and UETA (Uniform Electronic Transactions Act).
• European Union & UK: eIDAS Regulation (EU No 910/2014) and UK eIDAS: Inscriben operates at the Simple Electronic Signature (SES) tier with Advanced Electronic Signature (AES) cryptographic and biometric support.

While Inscriben implements technical and cryptographic measures to establish non-repudiation and evidence admissibility, Inscriben does not provide legal advice, nor does it warrant that every specific agreement executed will be upheld in every jurisdiction. Users are advised to seek independent legal counsel regarding specialized contract enforceability.

7. Intellectual Property

• The Inscriben platform, including its software, cryptographic architectures, user interfaces, branding, trademarks, and documentation, is the exclusive intellectual property of NXFIN TECHNOLOGIES PRIVATE LIMITED.
• You retain all proprietary rights and ownership of all documents and data uploaded and executed through the Service.
• You grant NXFIN TECHNOLOGIES PRIVATE LIMITED a limited, non-exclusive license to transmit, encrypt, process, and store your documents solely to the extent necessary to deliver the Service.

8. Biometric Identity & Evidentiary Consent

Where enabled in signing workflows, you consent to the capture and cryptographic attachment of dual-angle facial photographs during execution. This biometric imagery is used solely to corroborate signatory identity and provide evidentiary support against contract repudiation. Review our practices in our Privacy Policy.

9. Data Security & Cryptography

We safeguard documents and audit records through industry-leading security controls:

• Authenticated AES-256-GCM encryption for documents and biometric data at rest.
• SHA-256 cryptographic hashing to guarantee tamper-detection and bit-level integrity.
• Comprehensive, timestamped audit logs documenting all access, view, and signing events.
• Transport Layer Security (TLS 1.3) for all communications in transit.
• Logical multi-tenant isolation and strict role-based access permissions.

10. API Usage

• API access is provisioned via Bearer token authentication.
• Rate limits are enforced across endpoints to maintain platform availability and performance.
• You are strictly responsible for maintaining the confidentiality of your API keys.
• We reserve the right to suspend or revoke API keys that violate these Terms or threaten platform integrity.

11. Limitation of Liability

To the maximum extent permitted by applicable law, NXFIN TECHNOLOGIES PRIVATE LIMITED, its directors, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, business opportunities, or goodwill, arising out of or related to your use of or inability to use the Service. Our aggregate liability for all claims arising under these Terms shall not exceed the amount actually paid by you to NXFIN TECHNOLOGIES PRIVATE LIMITED in the 12 months preceding the event giving rise to liability.

12. Indemnification

You agree to indemnify, defend, and hold harmless NXFIN TECHNOLOGIES PRIVATE LIMITED, its directors, officers, employees, and agents from and against any third-party claims, liabilities, damages, losses, and reasonable legal expenses arising from your use of the Service, your violation of these Terms, or your violation of any statutory laws or third-party rights.

13. Termination

• You may terminate your account at any time via account settings.
• We may suspend or terminate your access for material breach of these Terms, with prior notice where reasonably practicable.
• Upon account termination, you are provided a 30-day grace period to download and export your completed documents and audit certificates.
• Provisions regarding intellectual property, limitations of liability, indemnification, and dispute resolution shall survive termination.

14. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by, and construed in accordance with, the laws of the Republic of India, without regard to its conflict of law principles.

15. Dispute Resolution & Jurisdiction

In the event of any controversy, claim, or dispute arising out of or relating to these Terms or the use of the Service, the parties shall first endeavor to settle the dispute amicably through good-faith mutual negotiations for a period of 30 days. If the dispute cannot be resolved through negotiation, it shall be submitted to the exclusive jurisdiction of the competent courts of India (or courts of New Delhi, India).

16. Amendments to Terms

We reserve the right to amend these Terms from time to time. We will provide registered users at least 30 days' advance notice of material modifications via email or through platform notifications. Your continued access to or use of the Service following the effective date of modified Terms constitutes agreement to be bound by the updated Terms.

17. Contact Information

For questions or notices regarding these Terms of Service: