Terms & Conditions

Version 3.1 · Effective 2026-09-01

§1. Who We Are

This platform is owned and operated by Nanak Naam Enterprises Private Limited (CIN: U56100UP2025PTC233798), registered office at D-19/213, S.K. Apartment, Sector 51, Noida, Gautam Buddha Nagar, Uttar Pradesh – 201301, India ("the Company", "we", "us"), operating under the brand OjaFertility

• Platform" means the website at https://ojafertility.com, the OjaFertility web application, the OjaFertility mobile applications on Android and iOS, the AskOja assistant, and all related features and services.

1.2 These Terms & Conditions ("Terms"), together with our Privacy Policy, govern your access to and use of the Platform. By registering an account or using the Platform, you confirm you have read and agree to them. If you do not agree, please do not use the Platform.

1.3 Separate terms govern healthcare providers who list on the Platform. Those terms are available at https://ojafertility.com/provider-terms.

§2. Who May Use This Platform

2.1 The Platform is for users aged 18 and above only.

By registering or using the Platform, you confirm that you are at least 18 years old. If you are under 18, you must not use this Platform.

2.2 We do not knowingly collect personal data from any person under 18. If we become aware that a user is under 18, we will suspend the account and delete the associated personal data, except where retention is required by law.

2.3 You must have the legal capacity to enter into a binding agreement under Indian law.

§3. What OjaFertility Is — and Is Not

3.1 OjaFertility is a technology platform that facilitates connections between users and independent third-party healthcare providers, clinics, diagnostic partners, pharmacy partners, coaches and wellness professionals (each, a "Provider").

3.2 The Company does not provide medical services, does not practise medicine, and does not own or operate any hospital, clinic, laboratory or diagnostic facility. We are not a clinical establishment.

3.3 All clinical care, diagnosis, prescription and treatment is provided by the Provider you choose, acting in their independent professional capacity and on their own responsibility.

3.4 Use of the Platform does not establish a doctor–patient relationship between you and OjaFertility or any of its officers, employees or affiliates. That relationship subsists solely between you and your chosen Provider.

3.5 The Company is not a party to, and accepts no responsibility for, the professional services rendered by any Provider.

§4. Doctors and Providers on the Platform

4.1 What we verify.

Before a Provider is listed, we require them to submit identity proof, degree certificates and their medical or professional council registration. We check the registration number provided by each medical practitioner against the National Medical Register maintained by the National Medical Commission.

4.2 What we do not do.

Our checks confirm that a registration number existed and appeared current on the date of the check. We do not:

• authenticate degree certificates with the issuing university;

• conduct background, criminal record or disciplinary history checks;

• inspect premises or equipment;

• assess, test or supervise clinical competence;

• monitor, direct or control any consultation, diagnosis or treatment;

• verify claims a Provider makes about their experience, procedures performed or outcomes achieved.

4.3 Listing is not an endorsement.

The presence of a Provider on the Platform is not a recommendation, warranty or guarantee as to their qualifications, competence, honesty or the quality, safety or outcome of their services.

4.4 Your responsibility.

You are solely responsible for selecting your Provider. You may independently verify a practitioner's registration on the NMC's Indian Medical Register (https://www.nmc.org.in/information-desk/indian-medical-register/) and we encourage you to do so.

4.5 Profile display.

Each Provider's name, qualification, registration number and contact details are displayed on their Platform profile, as required by the Telemedicine Practice Guidelines, 2020.

4.6 Provider accountability.

Providers are required by their terms with us to warrant that all credentials they submit are genuine and current, to notify us of any lapse or change in their registration, and to indemnify OjaFertility for losses arising from false or misleading credentials. Subject to clause 18.3, the Company disclaims liability for inaccuracies in information submitted by a Provider.

§5. Medical Disclaimers

5.1 Informational purposes only.

All content, assessments, tools, trackers, scores, insights and outputs on the Platform are for informational and educational purposes only. They do not constitute medical advice, diagnosis or treatment, and are not a substitute for consultation with a qualified healthcare professional.

5.2 Personalised insights generated from your data are derived from statistical and algorithmic models. They are not clinical assessments or treatment plans.

5.3 No guarantee of outcome.

Nothing on the Platform constitutes a representation, warranty or guarantee of conception, pregnancy, live birth or any particular treatment outcome.

5.4 Cycle trackers are not contraception.

Cycle tracking, fertile-window predictions and ovulation estimates are based on statistical models and data you enter. They are not clinically validated for contraceptive use and must not be relied upon to prevent pregnancy. For contraception, consult a qualified healthcare professional.

5.5 Wellness devices.

Any wearable or tracking device made available through the Platform is a wellness device, not a medical device approved for diagnostic use. Readings are indicative only.

5.6 We do not warrant the accuracy, completeness, currency or reliability of any information or service made available through the Platform, including information supplied by Providers or other users.

5.7 Never disregard professional medical advice, or delay seeking it, because of anything you have read or received on this Platform.

§6. Medical Emergencies

6.1 The Platform is not designed for emergencies and is not monitored in real time. Responses, whether automated or from a Provider, may be delayed.

6.2 If you are experiencing a medical emergency — including severe abdominal pain, heavy bleeding, fainting, difficulty breathing, symptoms of ovarian hyperstimulation, or thoughts of self-harm — do not use the Platform.

Contact your treating doctor immediately, call the national emergency helpline 112, or go to the nearest emergency department.

6.3 For mental health and emotional support, the national Tele-MANAS helpline is available free of charge, 24 hours a day: 14416

6.4 For suicide prevention support:

• iCall: 9152987821

• Vandrevala Foundation: 1860-2662-345

§7. AskOja — Our AI Assistant

7.1 Certain features, including AskOja, are powered by artificial intelligence.

7.2 You acknowledge that:

(a) AskOja is an automated system. It is not a human being and is not a registered medical practitioner;

(b) its responses are generated automatically and are not reviewed by a clinician before being shown to you, and may be incomplete, outdated or incorrect;

(c) interacting with AskOja does not create a doctor–patient relationship;

(d) AskOja is designed to decline certain categories of request, including prenatal sex determination, prescription and dosage advice, and emergency medical care;

(e) you should not delay or disregard professional medical advice because of anything AskOja tells you.

7.3 Your conversations.

Conversations with AskOja are stored for 12 months and used to operate and improve the service. You may request deletion at any time by writing to care@ojafertility.com. Full details are in our Privacy Policy.

7.4 Processing location.

AskOja uses a third-party AI model service. Your conversation content may be processed on infrastructure outside India (United States — Anthropic Inc.), subject to contractual data protection safeguards. Full details are in our Privacy Policy.

§8. Prohibited Practices

8.1 Sex determination — strictly prohibited.

OjaFertility does not offer, facilitate, enable or permit prenatal sex determination or sex selection in any form. Any request, query or attempt to use the Platform for such a purpose is strictly prohibited, will result in immediate termination of access, and may be reported to the Appropriate Authority under the Pre-Conception and Pre-Natal Diagnostic Techniques (PCPNDT) Act, 1994. Communicating the sex of a foetus is a criminal offence in India.

8.2 Assisted reproductive technology.

OjaFertility does not itself provide ART services. Any ART clinic listed on the Platform is independently registered under the ART (Regulation) Act, 2021. We do not facilitate the sale or commercial supply of gametes.

8.3 Surrogacy.

OjaFertility does not facilitate, arrange or advertise commercial surrogacy, which is prohibited under the Surrogacy (Regulation) Act, 2021.

8.4 Termination of pregnancy.

OjaFertility does not facilitate termination of pregnancy outside the framework of the Medical Termination of Pregnancy Act, 1971 (as amended).

§9. Bookings, Third-Party Services and Complaints

9.1 When you book a consultation, test or service, you enter into a direct contract with the Provider. The Company acts as a facilitator and, where applicable, as a payment collection agent for the Provider.

9.2 We do not guarantee the quality, accuracy, timeliness or outcome of any Provider's services.

9.3 Complaints about a Provider.

If you raise a complaint concerning a Provider, we will:

(a) acknowledge it within 24 hours;

(b) require the Provider to respond within 7 days;

(c) share that response with you;

(d) suspend the Provider's listing where there is a credible allegation of serious patient harm, professional misconduct, falsified credentials, or a breach of clause 8;

(e) assist you in obtaining copies of records, prescriptions and booking documentation to pursue the matter with the Provider, the relevant Medical Council, Consumer Disputes Redressal Commission, or any other authority;

(f) where a Provider is found to have submitted false credentials, notify affected users and report to the relevant Council.

9.4 Clause 9.3 does not make the Company liable for a Provider's clinical acts or omissions, and does not limit any right you have against the Provider directly.

9.5 Off-platform engagement.

If you engage a Provider, exchange payment or continue treatment outside the Platform, you do so entirely at your own risk and outside the scope of clause 9.3.

§10. At-Home Diagnostic Tests

10.1 Diagnostic tests booked through the Platform are performed by third-party accredited laboratories. The laboratory's name and accreditation status are displayed on the test listing.

10.2 Where a test requires at-home sample collection, you are responsible for following the collection instructions supplied. If a sample is invalid, insufficient or damaged through no fault of your own, we will arrange a free recollection or issue a refund.

10.3 Test results are not a diagnosis.

Raw values require interpretation by a registered medical practitioner in the context of your full clinical picture. Do not self-diagnose or alter prescribed medication based on test results alone.

10.4 Samples are retained and disposed of in accordance with biomedical waste regulations. Samples are not used for research without your separate, explicit and informed consent.

10.5 Country of origin and manufacturer details are displayed on each product listing before purchase.

§11. Your Account and Acceptable Use

11.1 You agree to provide accurate, current and complete information and to keep it updated. Inaccurate health information may lead to inappropriate insights or compromise your care.

11.2 You are responsible for the confidentiality of your account credentials and for all activity under your account. Notify us immediately at care@ojafertility.com of any unauthorised use.

11.3 You must not:

(a) use the Platform for any unlawful purpose, or in breach of clause 8;

(b) impersonate any person, or create an account on another's behalf without authority;

(c) harass, abuse, threaten or defame any Provider, user or member of our staff;

(d) make fraudulent bookings or payments, or misuse refund facilities;

(e) scrape, crawl, reverse-engineer or extract data from the Platform;

(f) upload malicious code or attempt unauthorised access to any system;

(g) resell, sublicense or commercially exploit access to the Platform;

(h) post content that is unlawful, obscene, defamatory or that infringes third-party rights.

11.4 We may suspend or terminate your access where we reasonably believe you have breached these Terms, where required by law, or where continued access poses a risk to others. Except in cases of serious breach or legal requirement, we will give notice and an opportunity to respond before terminating.

11.5 On termination you have 30 days to export your data before deletion, subject to records we must retain by law.

11.6 You may close your account at any time by writing to care@ojafertility.com.

§12. Fees, Pricing and Taxes

12.1 The total amount payable — the Provider's fee, any OjaFertility platform or convenience fee, applicable GST, and any payment gateway charge — is displayed before you confirm payment. There are no hidden charges.

12.2 We do not manipulate prices and we do not discriminate between consumers of the same class on any arbitrary basis.

12.3 Fee changes apply only to bookings made after the change takes effect.

12.4 Subscriptions and recurring payments, where offered, will be disclosed at signup with the renewal date, price, and pre-debit notification at least 24 hours before each charge. Cancellation is available at any time through your account settings.

§13. Refund and Cancellation Policy

13.1 OjaFertility platform / convenience fees.

Non-refundable once the service has been initiated or the report generated. Disclosed before payment.

13.2 User cancellation — more than 24 hours before.

Full refund of the Provider's fee, less gateway charges, unless the Provider has specified different terms shown to you at booking.

13.3 User cancellation — within 24 hours or no-show.

[SPECIFY — e.g. 50% refund / no refund / credit to account. Decide and confirm with the team before publishing.]

13.4 Provider cancellation or no-show.

If a Provider cancels, fails to attend, or is more than 15 minutes late without notice, you are entitled to a full refund including any OjaFertility fee, or to rebook at no additional cost, at your option.

13.5 Platform technical failure.

If a consultation cannot proceed because of a Platform failure, you are entitled to a full refund or a free rebook.

13.6 Multi-session packages.

[SPECIFY — unused sessions refunded on a pro-rata basis within the validity period. Remove if packages are not currently offered.]

13.7 Third-party clinic, lab or coach payments.

For payments made directly to partner providers, the Provider's own refund policy applies. We will assist in facilitating the refund but are not directly liable for funds held by third parties.

13.8 Timeline.

Approved refunds are initiated within 7 working days to your original payment method.

§14. Your Data

14.1 Our collection, use, storage, sharing, retention and protection of your personal data — including health data — is governed by our Privacy Policy (https://ojafertility.com/privacy), which forms part of these Terms.

14.2 We obtain your consent through a specific, itemised consent flow at signup — not merely by your use of the Platform. You may withdraw consent at any time as described in the Privacy Policy.

14.3 When you book, we share health information relevant to your consultation with the Provider you have chosen. Providers are contractually required to: keep that information confidential; use it only for your care; not use it for their own marketing; and not use it to train any artificial intelligence model.

14.4 We do not sell your personal data.

§15. Reviews and User Content

15.1 You may rate and review Providers based on your own genuine experience. You must not post content that is false, defamatory or that discloses another person's personal information.

15.2 We moderate reviews. We will remove content that is defamatory, false, unlawful or contains personal data. We will not remove a review merely because a Provider finds it unfavourable.

15.3 Providers may not solicit, incentivise or pressure you regarding reviews. Report any such conduct to care@ojafertility.com.

15.4 By posting a review you grant us a licence to host, display and distribute it on the Platform.

§16. Intellectual Property

16.1 All intellectual property in the Platform — software, content, branding, the OjaFertility name and marks, assessments, scoring methodologies and AI systems — is owned by or licensed to Nanak Naam Enterprises Private Limited.

16.2 You are granted a limited, personal, non-exclusive, non-transferable, revocable licence to use the Platform for your own personal, non-commercial purposes only.

16.3 You retain ownership of content you submit, and grant us a licence to host, process and display it as necessary to operate the Platform and provide services to you.

§17. Platform Availability

17.1 We do not guarantee uninterrupted or error-free operation. The Platform may be unavailable due to maintenance, technical issues or events beyond our control. We will use reasonable efforts to give advance notice of planned maintenance.

17.2 Where a feature you have paid for is discontinued, you are entitled to a pro-rata refund.

§18. Limitation of Liability

18.1 To the maximum extent permitted by law, and subject to clause 18.3, the Company shall not be liable for indirect, incidental, special or consequential damages, or for loss of profit, data or goodwill, arising out of your use of the Platform or of services provided by Providers.

18.2 Subject to clause 18.3, the Company's total aggregate liability shall not exceed the greater of: (a) the total amount paid by you to the Company in the twelve months preceding the event giving rise to the claim; or (b) ₹1,000 (Rupees One Thousand).

18.3 Nothing in these Terms excludes or limits our liability for:

(a) death or personal injury caused by our negligence;

(b) fraud or fraudulent misrepresentation;

(c) gross negligence or wilful misconduct;

(d) breach of our obligations under the Digital Personal Data Protection Act, 2023; or

(e) any liability which cannot lawfully be excluded or limited.

18.4 Your statutory rights as a consumer under the Consumer Protection Act, 2019 are not affected by these Terms.

§19. Indemnity

19.1 You agree to indemnify and hold harmless the Company and its directors, officers and employees against any claims, losses and reasonable legal costs arising from: (a) your breach of clause 8; (b) your breach of clause 11.3; or (c) content you submit that infringes a third party's intellectual property rights.

§20. Grievance Redressal

20.1 In accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, our designated contacts are:

Grievance Officer — Platform Conduct and IT Act

• Name: Hardeep Singh

• Designation: Co-Founder

• Email: care@ojafertility.com

• Phone: +91 9289499200

• Address: D-19/213, S.K. Apartment, Sector 51, Noida – 201301, Uttar Pradesh, India

Data Protection Contact — DPDP Act

• Email: privacy@ojafertility.com

20.2 Complaints are acknowledged within 24 hours and resolved within 30 days.

20.3 Data protection grievances that are not resolved to your satisfaction may be escalated to the Data Protection Board of India under section 13(3) of the DPDP Act, 2023.

§21. Changes to These Terms

21.1 We may modify these Terms. The updated version will be posted with a revised "Last Updated" date.

21.2 For material changes — to fees, liability, data practices or refund rights — we will notify registered users by email at least 30 days before they take effect.

21.3 Continued use after the effective date constitutes acceptance. If you do not accept a material change, you may close your account and receive a pro-rata refund of prepaid, unused services.

21.4 Archived previous versions are available on request.

§22. Governing Law and Disputes

22.1 These Terms are governed by the laws of India.

22.2 Subject to clause 22.3, disputes between you and OjaFertility shall be subject to the jurisdiction of the courts at Noida, Gautam Buddha Nagar, Uttar Pradesh.

22.3 Nothing in clause 22.2 affects your right, as a consumer, to approach the appropriate Consumer Disputes Redressal Commission at the place where you ordinarily reside or work, under the Consumer Protection Act, 2019.

§23. General

23.1 Force majeure. Neither party is liable for failure caused by events beyond reasonable control, including natural disasters, government actions, power failures or internet outages.

23.2 Severability. If any provision is found unenforceable, the remainder continues in full effect.

23.3 No waiver. Failure to enforce any provision is not a waiver of the right to enforce it in future.

23.4 Assignment. You may not assign your rights. We may assign to an affiliate or on a merger or acquisition.

23.5 Survival. Clauses 4, 5, 8, 16, 18, 19, 20 and 22 survive termination of your account.

23.6 Language. These Terms are published in English. A Hindi version is available at https://ojafertility.com/terms/hi. You may request these Terms in any language listed in the Eighth Schedule to the Constitution by writing to us.

Contact: Nanak Naam Enterprises Private Limited · D-19/213, S.K. Apartment, Sector 51, Noida – 201301, UP · care@ojafertility.com · +91 9289499200 · CIN: U56100UP2025PTC233798

These Terms were last updated on 1 September 2026 and replace the version dated 21 April 2026.