Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and Jaanch("we", "us", "our") covering your use of the service available at jaanch.in and related domains (the "Service"). By using the Service you agree to these Terms. If you do not agree, please do not use the Service.

Please read §9 to §12 carefully. Those sections explain that the Service is informational only, disclaim warranties, and limit our liability. Those limits are how we are able to provide the Service free of charge.

1. About the Service

Jaanch is an Indian document audit tool. You upload a document (currently, hospital bills) and we run a deterministic analysis against publicly available government data such as NPPA ceiling prices, CGHS rate schedules, IRDAI non-payable items, and CBIC GST notifications. We return a plain-English report listing line items that appear to be above the relevant benchmark, along with the specific citation for each.

The Service is provided in its current form. We may add new document types, refine rules, change reference data, or adjust the user interface at our discretion.

2. Eligibility

You must be at least 18 years old, of sound mind, and capable of forming a binding contract under the Indian Contract Act, 1872. By using the Service you represent that you meet these conditions. The Service is intended for use in India; if you access it from elsewhere, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

3. No account required

The Service does not require you to sign up or create an account. We identify your audits through a session cookie scoped to your browser. You are responsible for protecting access to the device on which you used the Service; anyone with access to your browser session can view the audits you created in that session.

4. Acceptable use

You agree not to:

• Upload documents you do not have the right to audit, or data belonging to other people without their consent;
• Upload content that is illegal under Indian law, defamatory, infringing on intellectual property, or violates the privacy of any person;
• Attempt to circumvent rate limits, bot challenges, the document-type gate, or other technical safeguards;
• Use automated tools to scrape or systematically access the Service;
• Use the Service to harass, threaten, or defame any medical provider, insurer, or other person;
• Use the audit report or any output to make unsupported public accusations of fraud or wrongdoing. The Service is designed to surface specific, citable observations; the proper way to act on them is procedural escalation to the relevant party, not public accusation;
• Reverse engineer, decompile, or attempt to access the source code or models underlying the Service except to the extent permitted by applicable law.

5. Your content and licence

You retain all rights to the documents you upload. You grant us a limited, non-exclusive, royalty-free, worldwide licence to process the document for the sole purpose of providing the Service to you. This licence ends when the document is deleted under the retention schedule set out in our Privacy Policy.

Structured data extracted from your documents may be retained indefinitely after personal identifiers are removed, for the purpose of improving the Service's accuracy and published reference benchmarks. We will never re-attach your identity to that anonymised data.

6. Free tier and future paid tier

The Service is currently free to use. The free tier limits you to a small number of audits per day and shows a limited number of detailed flags per audit; further flags may be blurred and previewed.

We may introduce a paid tier in the future that unlocks the full report, dispute letter generation, and additional features. The terms of any paid tier (price, payment, refund policy) will be presented to you separately at the time of purchase, and you must accept them before any charge is made. Nothing in these Terms commits you to any payment.

7. Reference data and accuracy

The Service relies on reference data drawn from public sources, including NPPA notifications under the Drug Price Control Order, CGHS published rates, IRDAI master circulars and standardised non-payable lists, CBIC GST rate notifications, and the NABH list of accredited hospitals. We refresh this data periodically but cannot guarantee that every notification, rate change, or list update is reflected in the Service at the time you use it.

We will surface, where possible, the "as-of" date of the reference data used in any specific audit. You are responsible for verifying any specific number against the primary source before acting on it.

8. Third-party services

The Service uses third-party providers for hosting, AI processing, transactional email, and error monitoring. We list each in our Privacy Policy. Their availability is outside our control. An outage at any of these providers may cause the Service to be temporarily unavailable.

9. Informational use only — not professional advice

The Service is informational only. It is not legal, medical, financial, tax, or any other professional advice. It is not a substitute for consultation with a qualified practitioner. The audit highlights line items that may differ from published government benchmarks; it does not adjudicate whether any specific charge is lawful or unlawful in the specific circumstances of your treatment. We strongly recommend you verify any specific finding with a qualified chartered accountant, advocate, medical practitioner, or insurance ombudsman before raising a formal dispute, withholding a payment, or taking any other action that could have legal or financial consequences.

Use of the Service does not create a doctor-patient, lawyer-client, accountant-client, or any other professional relationship between you and us.

10. No public allegations of fraud

The Service is designed to flag overcharges using procedural, citable language (for example: "above the NPPA ceiling", "on the IRDAI non-payable list", "GST charged on an exempt service"). We deliberately do not use the words "fraud", "illegal", "cheating" or "scam" in our outputs because those characterisations require a competent authority to make.

You agree not to use the Service's output to make public allegations of fraud or wrongdoing against any specific party. The appropriate use is procedural escalation: raising the issue with the billing desk, the insurer's grievance officer, the hospital's medical superintendent, the Clinical Establishments Act authority of your state, the Insurance Ombudsman, or a consumer forum. We are not responsible for any consequences arising from your decision to act outside these channels.

11. No warranty

The Service is provided "as is" and "as available". To the maximum extent permitted by Indian law, we disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Service will be uninterrupted, error-free, secure against all attacks, or that any defect will be corrected.

12. Limitation of liability

To the maximum extent permitted by Indian law, our total cumulative liability to you for any claim arising out of or relating to these Terms or the Service is limited to the greater of (a) the amount you paid us for the Service in the twelve months preceding the claim, or (b) ₹1,000 (one thousand Indian Rupees). For the avoidance of doubt, where you used the Service free of charge, the cap is ₹1,000.

We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, or business interruption, even if we have been advised of the possibility of such damages.

We are not liable for losses you suffer as a result of decisions you make based on the Service's output, including decisions to dispute, withhold, or refund payments, decisions to escalate to a regulator or court, or decisions not to seek professional advice.

Nothing in this section excludes or limits liability that cannot be excluded or limited under Indian law, including liability for fraud, wilful misconduct, gross negligence, or for death or personal injury caused by our negligence.

13. Indemnification

You agree to indemnify and hold us harmless from any claim, damages, liability, costs, and reasonable legal fees arising out of your breach of these Terms, your misuse of the Service, your upload of content you did not have the right to upload, or your public use of the Service's output to make accusations against a third party.

14. Intellectual property

We retain all rights, title, and interest in the Service and its underlying software, models, prompts, reference data compilations, branding, and content (other than your uploaded documents). Nothing in these Terms transfers any rights to you except the limited right to use the Service in accordance with these Terms.

Citations of government notifications (NPPA, CGHS, IRDAI, CBIC, DPCO, etc.) reproduced or summarised within the Service or our blog posts are quoted from public sources and used under fair-dealing for the purposes of criticism, review, and reporting of current events under §52 of the Copyright Act, 1957.

15. Service availability

We provide the Service on a reasonable-efforts basis. We offer no uptime guarantee. We may suspend or discontinue the Service, in whole or in part, with or without notice, for maintenance, security, regulatory, or business reasons.

16. Termination

You may stop using the Service at any time. You may also request deletion of your data using the process in our Privacy Policy.

We may terminate or restrict your access to the Service if you breach these Terms, abuse the Service, expose other users to harm, or for any other reason at our reasonable discretion. If we terminate your access, we will tell you why where it is lawful and practical to do so.

17. Governing law and jurisdiction

These Terms are governed by the laws of India without regard to its conflict-of-law principles. The courts at Bengaluru, Karnataka will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, subject to §18.

18. Dispute resolution

Before filing any claim in court, you agree to first raise the dispute with our grievance officer at grievance@jaanch.in and allow us 30 days to respond. We will work in good faith to resolve the matter without litigation. This pre-action requirement does not apply to claims for injunctive relief to protect intellectual property or confidential information.

19. Severability

If any provision of these Terms is found to be unenforceable under Indian law, the remaining provisions will continue in full force. The unenforceable provision will be replaced with an enforceable provision that comes closest to expressing the original intent.

20. Entire agreement

These Terms, together with our Privacy Policy, form the entire agreement between you and us regarding the Service. They supersede any prior agreements, communications, or understandings relating to the Service.

21. Changes to these Terms

We may update these Terms from time to time. We will update the "Last updated" date above. For changes that materially reduce your rights or expand your obligations, we will give 30 days' notice on the home page before the change takes effect. Continued use of the Service after a change takes effect indicates acceptance of the changed Terms.

22. Contact

For questions about these Terms, write to hello@jaanch.in. For privacy or data-protection questions, use the grievance officer email at grievance@jaanch.in.