Terms & Conditions

These Terms & Conditions ("Terms") are a legally binding agreement between you and Kiranam — operated by Health Care Foundation ("Kiranam", "we", "us", "our") — governing your access to and use of the Kiranam app, this admin panel, and related services (the "Services"). By creating an account or using the Services, you confirm that you've read, understood, and agree to these Terms and our Privacy Policy, which is incorporated by reference. If you don't agree, please don't use the Services.

You must be at least 18 years old and capable of entering into a legally binding contract under the Indian Contract Act, 1872, to create a contributor or coordinator account. We may request proof of age or identity and may suspend or terminate accounts that don't meet these requirements.

Kiranam is a platform that lets contributors make voluntary financial contributions toward charitable causes and campaigns we facilitate, and lets coordinators apply for and take part in coordinator activities we coordinate. Kiranam is not a bank, payment aggregator, or financial institution — all payment processing is carried out by our licensed payment partner, Razorpay.

You must provide accurate, current, and complete information when creating your account and keep it up to date. You're responsible for keeping your account credentials secure and for all activity under your account. Let us know right away at support@kiranam.online if you believe your account has been accessed without your permission. We may suspend or terminate accounts that contain false, misleading, or fraudulent information. You can delete your account at any time from Profile → Delete Account in the app, subject to the data-retention terms in our Privacy Policy.

Contributions you make through the app are voluntary and, except where required by law or in case of a processing error, are non-refundable once completed. If you believe a contribution was made in error or processed incorrectly, contact us within 7 days at support@kiranam.online and we'll investigate in good faith. Contributions are processed by Razorpay, and by contributing you also agree to Razorpay's terms and privacy policy for that transaction. You're solely responsible for the accuracy of the payment information you provide and for any charges or fees your bank or card issuer applies. Nothing in the Services is financial, tax, or investment advice. Health Care Foundation is approved under Section 80G of the Income Tax Act, 1961 (Approval No. AAATH8790C28KC02, valid for assessment years 2027-28 to 2031-32), so contributions may be eligible for a tax deduction, subject to the conditions and limits of the Act. We don't give tax advice; please consult your tax adviser.

If you apply to be a coordinator, we may review and verify your application and, at our discretion, assign you to support one or more contributors or campaigns. The coordinator role is unpaid and entirely voluntary, and nothing in these Terms creates an employment, agency, or partnership relationship between you and Kiranam. You agree to treat contributors and other users you interact with respectfully and in line with any coordinator conduct guidelines we communicate to you. Either you or Kiranam may end a coordinator arrangement, with or without cause, at any time.

Kiranam uses WhatsApp to run the app. By creating an account you agree to receive messages from us on the WhatsApp number you registered with: your one-time login code, payment confirmations and receipts, contribution reminders, and important updates about your account and the campaigns you support. WhatsApp consent is required to use the Services — if you don't want to receive messages from us on WhatsApp, please don't create an account, or delete your account from Profile → Delete Account. You can pause your contributions to stop reminder messages while your account stays open. We may also send push or in-app notifications. Your carrier's message and data rates may apply to WhatsApp messages.

You agree not to: impersonate any person or entity, or misrepresent your affiliation with one; submit false, misleading, or fraudulent information, including in a contribution or coordinator application; use the Services for money laundering, terror financing, or any unlawful purpose; interfere with or attempt unauthorized access to the Services or other users' accounts; reverse-engineer, decompile, or scrape the Services except as permitted by law; upload viruses or other harmful code; or otherwise use the Services in violation of applicable law. We may investigate suspected violations, suspend or terminate accounts, and report unlawful activity to law enforcement without prior notice.

The Services — including software, text, graphics, and logos (excluding content you submit) — are owned by or licensed to Kiranam and protected by applicable intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services for their intended purpose. You may not copy, modify, distribute, sell, or lease any part of the Services without our prior written consent.

The Services integrate with or link to third parties, including Razorpay, UPI payment apps, WhatsApp (Meta Platforms, Inc.), and Supabase. Your use of those services is governed by their own terms and privacy policies, and Kiranam isn't responsible for their acts, omissions, availability, or content.

The Services are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or that the Services will be uninterrupted, timely, secure, or error-free. We don't guarantee the accuracy or completeness of content within the Services, including campaign information submitted by coordinators or administrators.

To the maximum extent permitted by applicable law, Kiranam and its officers, employees, and agents won't be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of the Services. Our total liability for any claim relating to these Terms or the Services won't exceed the greater of (a) the total amount you contributed through the Services in the 12 months before the claim, or (b) ₹5,000. Nothing here excludes or limits liability that can't be excluded or limited under applicable law, including for fraud or wilful misconduct.

You agree to indemnify and hold harmless Kiranam, its officers, employees, coordinators, and agents from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from (a) your access to or use of the Services, (b) your violation of these Terms, or (c) your violation of any third party's rights, including intellectual property or privacy rights.

We may suspend or terminate your access to the Services, with or without notice, if we reasonably believe you've violated these Terms or engaged in fraudulent or unlawful activity, or if required to by law. You may stop using the Services and delete your account at any time. Provisions that by their nature should survive termination (including Sections 9, 11, 12, 13, and 16) will continue to apply.

Kiranam isn't liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, riots, labour disputes, internet or telecommunications failures, or failures of third-party providers such as Razorpay, Supabase, or Meta.

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. Subject to Section 17, the courts at Kozhikode, India have exclusive jurisdiction over any dispute arising out of or connected with these Terms or the Services.

In accordance with the Information Technology Act, 2000 and applicable rules, our Grievance Officer can be reached at:

Grievance Officer: Navas
Email: support@kiranam.online
Phone: +91 99466 61059
Address: P.O. Kattippara, Poonoor, Kozhikode, Kerala 673573, India

We'll acknowledge complaints within 48 hours and aim to resolve them within 30 days, or such other period as prescribed by applicable law.

We may update the app or these Terms from time to time. If we make material changes, we'll update the "Last updated" date above and, where appropriate, notify you in the app before the changes take effect. Continuing to use the Services after that means you accept the revised Terms. These Terms, with our Privacy Policy, are the entire agreement between you and Kiranam about the Services. If any provision is held invalid, the rest remain in effect, and our failure to enforce a provision isn't a waiver of it.

Questions about these terms? Reach us at support@kiranam.online or at P.O. Kattippara, Poonoor, Kozhikode, Kerala 673573, India.