Terms of Service

Part A applies to business customers. Part B applies to individuals: job seekers using the free tools and employees invited by their employer.

SKAD Business Solutions Private Limited ("SKAD", "we"), registered office Promenade 3 - 606, 6th Floor, LBS Road, Opp. R City Mall, Ghatkopar (West), Mumbai, Maharashtra 400086, India, CIN U74140MH2021PTC360434, provides HRTailor.AI (the "Service"). These Terms are a contract between SKAD and the business, firm or professional that opens an account ("Customer", "you").

Version 3.1. Effective 3 September 2026. Replaces version 3.0 dated 3 September 2026.

If you use the Service only as a job seeker or as an employee invited by your employer, Part B below and the Employee Notice apply to you, and clauses 4.4, 8.2, 13 and 15.3 of Part A do not.

Part A: Business Customers

---

1. Acceptance and authority

1.1 You accept these Terms by ticking the single acceptance checkbox at sign-up, by confirming acceptance in the Service when a material new version is presented, or by continuing to use the Service after the effective date of a non-material change. We record the version you accepted, the time, and the network address used. Acceptance records are hash-chained and signed; the public verification key is published at hrtailor.ai/policies/evidence_key.

1.2 By accepting, you declare that you are at least 18 years old and that you have authority to bind the company or firm on whose behalf you act. We rely on this self-declaration only and do not verify age or authority. If we discover that the declaration was false, we terminate the account. If you are an HR consultant, you warrant for each client company you add that you hold written authority from that client to process its workforce data through the Service, and you indemnify SKAD against any claim, loss or penalty arising from a lack of that authority.

1.3 These Terms include the Privacy Policy, the Data Processing Agreement, the Acceptable Use and Security Policy, the Cookie and Tracking Notice, the Refund and Cancellation Policy and the AI Content Disclaimer. If they conflict, the order of precedence is: the Data Processing Agreement (for data protection), these Terms, then the other documents.

2. Your account

2.1 You are responsible for everything done under your account and under the accounts of team members you invite. Keep credentials confidential. Tell us at once at [email protected] if you suspect unauthorized use.

2.2 The Service keeps a sign-in token in your browser's local storage so that you stay signed in. On a shared or public device, anyone who can use that browser can act as you until you sign out. You must sign out on shared devices and must not use the Service on a device you do not control. We are not responsible for access that results from a device you failed to secure.

2.3 You must keep the email address on your account current. Notices sent to that address are deemed received.

2.4 Team roles: an owner or admin can invite members, run payroll, delete records and manage billing. A member cannot delete people or export the directory. You are responsible for assigning roles appropriately.

3. Acceptable use

3.1 You must use the Service only for lawful HR and business purposes. The Acceptable Use and Security Policy forms part of these Terms. In particular you must not:

(a) upload, enter or process personal data about any person unless you have a lawful basis to do so and have given that person the notice the law requires;

(b) record an Aadhaar number or upload an Aadhaar card image unless you are the employer of the person concerned, you hold that person's consent in the form the Aadhaar Act and the Aadhaar Regulations require, and the number is needed for PF, ESIC, professional tax or another statutory registration or filing. You are the Data Fiduciary for every Aadhaar number you record and SKAD is a Data Processor only. You must not collect any other identifier the law does not permit you to collect;

(c) use any output of an AI tool or calculator as legal, tax, statutory or medical advice without review by a qualified person;

(d) scrape, crawl, bulk-download or reverse engineer the Service, or access it by any means other than the interfaces we provide;

(e) resell, sublicense or offer the Service to third parties except as an HR consultant serving your own clients under clause 1.2;

(f) use the Service to send messages or documents to people who are not your employees, candidates, contractors or signatories;

(g) attempt to access another customer's data, probe or test the Service's security without our written permission, or overload it;

(h) upload malware or content that infringes anyone's rights.

3.2 We may investigate suspected violations and may remove content, suspend features or suspend the account under clause 10.

4. Your data and your responsibilities

4.1 You own the data you upload and the documents you generate ("Customer Data"). You grant SKAD a license to process Customer Data only to provide, secure and improve the Service in the ways described in the Privacy Policy and the Data Processing Agreement.

4.2 You are the Data Fiduciary for all workforce, candidate and employee data you process through the Service, and SKAD is the Data Processor for that data. SKAD is the Data Fiduciary only for your own account data as described in the Privacy Policy. You are responsible for: the accuracy and lawfulness of Customer Data; obtaining any consent and giving any notice the DPDP Act, the Aadhaar Act, employment law or other law requires to your employees, candidates and signatories; responding to their requests; and keeping your own copies of statutory records (registers, payslips, filings) outside the Service.

4.3 You will not rely on the Service as your only copy of any record you are legally required to keep.

4.4 Indemnity. You will defend and indemnify SKAD, its directors and staff against all claims, losses, damages, regulatory penalties and reasonable costs that arise from: Customer Data; your instructions to us; your use of the Service; your breach of clause 3 or 4; a claim by your employee, candidate or signatory that you lacked a lawful basis or consent or failed to give notice; or unlawful collection or use of an Aadhaar number. This includes any penalty imposed on SKAD in its capacity as Data Processor because of your instructions or your processing decisions. The only penalties excluded from this indemnity are those caused solely by SKAD's own breach of these Terms or of the Data Processing Agreement. We will notify you promptly of any such claim, let you control the defense, and cooperate at your cost.

5. AI-generated content and calculators

5.1 The Service uses AI models to generate drafts of HR documents, policies, letters, summaries and suggestions. AI output is a starting draft. It can be wrong, incomplete, out of date, or unsuitable for your jurisdiction, and it may contain errors that look plausible.

5.2 You must review every AI output before you rely on it, issue it, or act on it. SKAD gives no warranty that any AI output is accurate, complete, lawful, compliant with any statute, or fit for a particular purpose. The AI Content Disclaimer appears on outputs and exports and forms part of these Terms.

5.3 Statutory calculators (salary, tax, gratuity, professional tax, provident fund and similar) apply rate tables that we research and update. They are provided on a best-effort basis. Rates and rules change, and your facts may differ from the assumptions shown. You must verify results against official sources or a qualified professional before using them for payroll, filings or advice to others. Where a calculator shows an "estimate" or "AI-only" label, no statutory table was applied.

5.4 We are not a law firm, tax adviser, chartered accountant or employment consultant, and nothing in the Service is professional advice.

5.5 You must not enter into the Service, or allow the AI to receive, more personal data than the task needs.

5.6 AI training consent. We may ask whether you allow your tool inputs and outputs to be used to improve our prompts and AI models. That consent is optional, the box is unticked by default, you can withdraw it at any time from My Account, and it is never a condition of the free tier or of any plan. Workforce data is never used for this purpose without your separate instruction as Data Fiduciary.

6. Electronic signatures

6.1 The e-signature feature lets a signer accept a document by drawing or typing a signature after viewing it. We record the document as presented, its cryptographic hash, the time, the signer's network address, the signer's browser identifier, and the acceptance statement. Together these form an audit trail for the document.

6.2 What the feature is and is not. The result is an electronic record with an audit trail under the Information Technology Act, 2000. It is not a digital signature under section 3 of that Act, and it is not an electronic signature under section 3A of that Act. It is not an Aadhaar-based eSign and does not use a Digital Signature Certificate. A document accepted this way relies on the evidence in the audit trail, not on a statutory presumption of authenticity.

6.3 The feature is not suitable for the documents listed in the First Schedule to the Information Technology Act, 2000, and you must not use it for them. Those documents are: negotiable instruments other than cheques; powers of attorney; trusts; wills and any other testamentary disposition; and contracts for the sale or conveyance of immovable property or any interest in such property. It is also unsuitable for any document that a specific law requires to be signed, attested, stamped or registered in a particular way.

6.4 You are responsible for deciding whether the feature is suitable for a document and for verifying the identity of the signer. We do not verify signer identity beyond delivery of the signing link to the email address you give us.

6.5 We keep the evidence record for as long as you keep the document in the Service and make it available to you on request.

7. Fees, credits and plans

7.1 Prices are shown on hrtailor.ai/pricing in Indian Rupees or US Dollars as displayed, inclusive of applicable taxes where the price says so. Our payment processor, Dodo Payments, Inc., acts as merchant of record and appears as the seller of record on your invoice; it collects payment and applicable taxes and issues the tax invoice. SKAD remains responsible to you for the Service itself.

7.2 Paid plans renew automatically for the same period until canceled. You can cancel in My Account or through the payment processor. Cancellation takes effect at the end of the current paid period; you keep paid features until then.

7.3 Credits: free-tier credits are a monthly allowance that does not roll over. Purchased credits expire 12 months after purchase or when the account closes, whichever is earlier. Credits are consumed by AI generation and some exports at the rates shown in the app.

7.4 We may change prices or plan contents with at least 30 days' notice by email and on the pricing page. Changes apply from your next renewal. If you do not accept a change, cancel before the renewal date.

7.5 Refunds are governed by the Refund and Cancellation Policy.

7.6 If a payment fails or is reversed, we may suspend paid features after notice and restore them when payment is made.

8. Availability and support

8.1 Free tier: the Service is provided as available, with no uptime commitment.

8.2 Paid tiers: we aim for 95% monthly availability of the web application and API, excluding planned maintenance announced at least 24 hours ahead, emergencies, and causes outside our reasonable control. If we miss the target in a month, you may claim a service credit of 5% of the fees you paid for that month for each full percentage point below the target, up to 40% of the fees paid for that month, claimed within 30 days. Service credits are your sole and exclusive remedy for downtime or unavailability of the Service, however caused. Service credits count toward, and are not in addition to, the liability cap in clause 13.

8.3 Support is by email at [email protected] during Indian business hours. We aim to respond within 1 to 3 business days for paid tiers.

8.4 We may change, add or retire features. We will give at least 30 days' notice before retiring a feature that materially affects a paid plan.

9. Intellectual property

9.1 SKAD owns the Service, its software, templates, rate tables, prompts and branding. You receive a non-exclusive, non-transferable right to use the Service during your subscription.

9.2 You own the documents the Service generates for you, subject to third-party rights in any content you supplied. To the extent AI output is not capable of ownership under Indian law, SKAD grants you all rights it has in it.

9.3 Feedback you give us may be used without obligation.

10. Suspension and termination

10.1 You may close your account at any time from My Account.

10.2 We may suspend or restrict the account, on notice where practical, if: you breach clause 3 or 4; there is a security risk to the Service or other customers; payment is overdue by more than 14 days; or a regulator or court requires it. We will lift the suspension when the cause is resolved.

10.3 We may terminate for material breach not cured within 15 days of notice, for repeated breaches, or if you become insolvent. We may terminate the free tier or a feature with 30 days' notice for any reason.

10.4 On termination: (a) you can export your data for 30 days; (b) we delete Customer Data from live systems within 90 days after that, except billing records and data we must keep by law; (c) backups age out within 14 days of live deletion; (d) fees already due remain payable.

10.5 Clauses 1.2, 4.4, 5, 6, 9, 11, 12, 13 and 15 survive termination.

11. Confidentiality

Each party will keep the other's non-public information confidential and use it only under these Terms, except where disclosure is required by law. This applies to Customer Data and to SKAD's pricing, security details and roadmap.

12. Warranties and disclaimers

12.1 SKAD warrants that it will provide the Service with reasonable skill and care and in line with the Privacy Policy and Data Processing Agreement.

12.2 Except as stated in clause 12.1, the Service is provided as is. We do not warrant that it will be uninterrupted or error free, that AI output or calculator results are correct, or that the Service meets any particular legal or regulatory requirement of yours.

12.3 Nothing in these Terms excludes a warranty or liability that cannot be excluded under Indian law, including the Consumer Protection Act, 2019 where it applies.

13. Limitation of liability

13.1 Cap. SKAD's total aggregate liability to you for all claims of every kind arising in any 12-month period, under or in connection with these Terms, the Data Processing Agreement or the Service, whether in contract, tort (including negligence), under statute, indemnity or otherwise, is capped at INR 25,000 (Indian Rupees twenty-five thousand). The cap applies whatever the cause and however many claims are made in that period, and there is no uplift for any category of claim. Service credits under clause 8.2 count toward the cap.

13.2 Exclusions. SKAD is not liable for indirect or consequential loss, loss of profit, revenue, business, anticipated savings or goodwill, or loss or corruption of data, or for penalties or fines imposed on you by a regulator because of your own processing decisions, in each case however caused and even if foreseeable.

13.3 If the cap is unenforceable. If a court or arbitrator holds that the cap in clause 13.1 is unenforceable in a particular case, the cap is reduced to the lowest amount that is enforceable in that case, and the rest of this clause continues to apply.

13.4 What is never excluded. Nothing in these Terms excludes or limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for anything else that cannot be excluded or limited under Indian law.

13.5 You acknowledge that the fees reflect this allocation of risk and that you can obtain insurance for losses above the cap.

14. Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disaster, epidemic, war, civil unrest, government action, failure of a public utility or a sub-processor, and cyberattacks, denial-of-service attacks or malware that could not have been prevented by the security measures a reasonable provider of a comparable service would use. The affected party must notify the other, use reasonable efforts to mitigate, and resume performance as soon as possible. Force majeure does not excuse payment of fees due for services already provided.

15. Governing law and disputes

15.1 These Terms are governed by the laws of India.

15.2 The parties will first try to resolve any dispute by discussion between senior representatives for 30 days after written notice.

15.3 Arbitration. If unresolved, the dispute will be referred to and finally resolved by arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat of arbitration is Mumbai, the language is English, and the arbitration is conducted under the rules of the Mumbai Centre for International Arbitration ("MCIA"). The parties will try to agree the arbitrator; if they have not agreed within 30 days of a written request, the MCIA will appoint the arbitrator under its rules. Either party may seek urgent injunctive relief from the courts at Mumbai at any time.

15.4 Small claims. A claim whose total value is under INR 25,000 may instead be brought in the courts at Mumbai, at the option of the party bringing it.

15.5 Consumers. Clause 15.3 does not apply to a consumer, meaning an individual who uses the Service for personal purposes and not for a business. A consumer keeps every right to approach the consumer forum having jurisdiction under the Consumer Protection Act, 2019, and Part B clause B10 applies instead.

15.6 Subject to clauses 15.3 to 15.5, the courts at Mumbai have exclusive jurisdiction. Nothing in this clause limits anyone's right to approach the Data Protection Board of India.

16. Changes to these Terms

16.1 We may update these Terms. Each version has a number and effective date; old versions are at hrtailor.ai/policies/history.

16.2 Material changes. We give at least 15 days' notice of a material change by email to your account address and by a notice in the Service before it takes effect. New accounts accept the current version at sign-up by ticking the single checkbox "I have read and accept all policies". Existing customers accept a material version by a one-time in-app confirmation at their next sign-in after the notice; you may close the account and export your data instead.

16.3 Non-material changes (typographical, clarifying, or required by law) take effect on publication and bind you when you continue to use the Service after the effective date.

17. General

17.1 Notices to SKAD: [email protected] and the registered address. Notices to you: your account email.

17.2 Assignment. You may not assign these Terms without our consent. We may assign to a successor of the business on notice.

17.3 Severability. If a clause is held invalid, it is modified to the minimum extent needed and the rest stays in force.

17.4 Waiver. A delay in enforcing a right is not a waiver.

17.5 Relationship. The parties are independent contractors.

17.6 Entire agreement. These Terms and the documents in clause 1.3 are the whole agreement about the Service and replace earlier terms, proposals and statements. Each party confirms it has not relied on any statement not set out in them, except a fraudulent one.

17.7 Language. These Terms are in English. Any translation is for convenience only.

---

Part B: Individuals (job seekers and employees)

B1. Who this covers. You are covered by Part B if you use the free tools as a job seeker or candidate, buy credits for your own use, or use the employee portal your employer set up. You are a consumer under the Consumer Protection Act, 2019, and nothing in these Terms takes away a right that Act gives you.

B2. Your account. You must be 18 or older. You declare this when you sign up; we rely on your declaration and do not verify it, and we close accounts we discover belong to anyone under 18. Keep your password private and sign out on shared devices; the Service keeps a sign-in token in your browser until you do. Tell us at [email protected] if you think someone else has used your account.

B3. Free tools and credits. Free tools come with a monthly allowance of credits that does not roll over. Credits you buy are for your own use, are consumed as you generate documents, and expire 12 months after purchase. Refunds are governed by the Refund and Cancellation Policy, including the 2-day cooling-off on a first purchase. If we ask whether we may use your inputs to improve our AI, saying no never affects the tools or credits you receive.

B4. AI drafts. Resumes, cover letters, interview answers and other outputs are AI-generated drafts. They can be wrong or unsuitable. Review and edit them before you use them. We do not guarantee any outcome such as an interview, a job or a visa, and nothing in the Service is legal, tax or career advice.

B5. Your content. You own what you upload and the documents generated for you. You must only upload information about yourself, or about others with their permission. You must not upload other people's identity documents, use the tools to impersonate anyone, or resell outputs as a service.

B6. If your employer invited you. Your employer is the Data Fiduciary for your employee record and is responsible for it under the Digital Personal Data Protection Act, 2023. SKAD is the Data Processor and acts on your employer's instructions. The Employee Notice you accepted at activation explains what is held, why, and who sees it. Requests to see, correct or delete your record go to your employer first; our Grievance Officer ([email protected]) can help if you do not get an answer.

B7. Acceptable use. The Acceptable Use and Security Policy applies to you. We may suspend an account used to abuse the free tools, to scrape the Service, or to upload unlawful content, after telling you why unless the law prevents it.

B8. Our responsibility to you. We provide the Service with reasonable care and skill. We are not responsible for loss that we could not reasonably foresee, or that results from your own use of an unreviewed draft. Nothing in this Part limits liability for death, personal injury, fraud, or anything that cannot be limited under Indian law. The liability cap in Part A clause 13 does not apply to you beyond what the Consumer Protection Act permits.

B9. Ending your account. You can close your account from My Account at any time and download your data first. We may close accounts that have been inactive for 24 months after warning you by email.

B10. Disputes. These Terms are governed by the laws of India. You may take a complaint to the consumer forum that has jurisdiction over you, or to the courts at Mumbai. Arbitration under Part A does not apply to you unless you choose it.

B11. Changes. We give at least 15 days' notice of a material change by email and in the Service, and ask you to confirm it once at your next sign-in; if you do not agree, close your account. Non-material changes take effect on publication, and continuing to use the Service after the effective date is acceptance.

---

Change summary (version 3.1): single-checkbox acceptance with signed evidence and public key; self-declared age and authority; consultant written-authority warranty and indemnity; Aadhaar consent and processor terms; expanded indemnity covering processor penalties; optional AI-training consent; e-signature restated as an electronic record with First Schedule exclusions; service credits as sole downtime remedy within the cap; liability cap set at INR 25,000 aggregate per 12 months with the earlier fee-based and 2x wording removed; MCIA arbitration with consumer carve-out and small-claims option; 15-day notice and one-time re-acceptance for material changes; processor and fiduciary roles restated; en-US spelling.