USER AGREEMENT

Terms of Use and Service Agreement for Live Tarot Sittings on the AINA Platform

Version 1.1 · Published and effective from 6 October 2026 · Operated by Astrosphere Technologies Private Limited (CIN U96906DL2026PTC462934)

INDEX OF CLAUSES

Schedule A: Sign-up Text · Schedule B: Checkout Disclosure · Schedule C: Additional Terms for Users in the United States · Schedule D: Prohibited Content · Schedule E: Contact and Grievance Details

THIS USER AGREEMENT (“Agreement”) is made at New Delhi and takes effect on the date and time at which the User accepts it electronically on the Platform, as recorded by the Platform (the “Effective Date”).

BY AND BETWEEN

ASTROSPHERE TECHNOLOGIES PRIVATE LIMITED, a private company limited by shares, incorporated on 4 February 2026 under the Companies Act, 2013, bearing Corporate Identity Number U96906DL2026PTC462934, having its registered office at 401, 2nd Floor, Ghitorni, Gadaipur, New Delhi, South West Delhi – 110030, Delhi, India, which owns and operates the AINA platform (hereinafter referred to as “AINA”, which expression shall, unless repugnant to the context or meaning thereof, be deemed to include its successors and permitted assigns), of the FIRST PART;

AND

The individual who accepts this Agreement electronically on the Platform (hereinafter referred to as the “User”, which expression shall, unless repugnant to the context or meaning thereof, be deemed to include the User’s legal heirs, executors and administrators), of the SECOND PART.

AINA and the User are hereinafter individually referred to as a “Party” and collectively as the “Parties”.

RECITALS

A.AINA owns and operates the website aina.world and the AINA mobile application, through which independent tarot Readers offer scheduled, prepaid, live tarot Sittings to adult users.

B.AINA operates the Platform as a marketplace. It lists Readers, enables bookings, collects the Sitting Price as the Reader’s limited collection agent, provides customer support, and enforces safety standards and a complaints process. Readers are independent professionals and are not employees of AINA.

C.The User wishes to access the Platform and book Sittings, and AINA is willing to permit this, on the terms of this Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained in this Agreement, and for other good and valuable consideration, the receipt and sufficiency of which are acknowledged, the Parties agree as follows:

1. DEFINITIONS AND INTERPRETATION

1.1In this Agreement, unless the context otherwise requires, the following expressions have the meanings given below:

“Applicable Law” means all laws, rules, regulations, orders, notifications, directions and binding guidelines of any competent Indian governmental, judicial or regulatory authority in force from time to time, including the Indian Contract Act, 1872, the Information Technology Act, 2000, the Consumer Protection Act, 2019, the Digital Personal Data Protection Act, 2023, the Central Goods and Services Tax Act, 2017, the Payment and Settlement Systems Act, 2007, and the rules and regulations made under each of them, and, for a US Booking, the laws referred to in Schedule C, each as amended or re-enacted from time to time.

“Booking” means a confirmed reservation of a Sitting made in accordance with clause 6.

“Brand Lines” means the standards of conduct for Readers set out in clause 11.2.

“Business Day” means a day other than a Saturday, Sunday or public holiday in New Delhi.

“Consumer Law” means the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, and the guidelines issued by the Central Consumer Protection Authority, including the Guidelines for Prevention and Regulation of Dark Patterns, 2023 and the Guidelines for Prevention of Misleading Advertisements and Endorsements for Misleading Advertisements, 2022, each as amended from time to time.

“Data Protection Law” means the Digital Personal Data Protection Act, 2023 (“DPDP Act”) and the Digital Personal Data Protection Rules, 2025 (“DPDP Rules”), in each case to the extent in force, and, to the extent and for so long as they remain in force, section 43A of the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“SPDI Rules”).

“Grievance Officer” means the person designated under clause 22.1 and Schedule E.

“Intermediary Rules” means the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, as amended from time to time.

“Make-good Credit” means the platform credit described in clause 10.5.

“Platform” means the website aina.world, the AINA mobile application and the related services operated by AINA.

“Privacy Notice” means the separate notice, published on the Platform, describing how AINA processes personal data.

“Quick Read” means the five-minute Sitting described in clause 6.1.

“Reader” means the independent person identified on a booking page who personally conducts a Sitting.

“Reader Terms” means the separate Reader Services Agreement between AINA and each Reader governing the Reader’s use of the Platform.

“Scheduled Start Time” means the date and time of the Sitting shown in the Booking, expressed in Indian Standard Time unless another time zone is stated.

“Sitting” means a scheduled, prepaid, live tarot reading conducted by a Reader with the User, by audio or video, through the Platform.

“Sitting Price” means the total price payable for a Booking, as displayed before payment.

“Support Channels” means the customer-support contact routes set out in clause 22.1 and Schedule E.

“User Content” means any question, message, review, feedback or other material that the User submits through the Platform.

“US Booking” has the meaning given in Schedule C.

1.2In this Agreement: (a) headings are for convenience only and do not affect interpretation; (b) the singular includes the plural and the reverse; (c) “including” means “including without limitation”; (d) a reference to a statute includes its amendments, re-enactments and subordinate legislation; (e) a reference to time is to Indian Standard Time unless stated otherwise; and (f) the Schedules form part of this Agreement.

1.3The “Important Notice: Key Terms at a Glance” box, the Index and the headings are provided for convenience only. They do not limit or override the operative clauses.

2. ACCEPTANCE, TERM AND ELECTRONIC RECORDS

2.1The User accepts this Agreement when the User (a) continues past the sign-up screen, on which the acceptance statement set out in Schedule A is displayed with links to this Agreement and the Privacy Notice, and (b) creates a profile. At each checkout the User also accepts the Booking details and cancellation terms displayed there. If the User does not accept this Agreement, the User must not use the Platform.

2.2This Agreement is an electronic contract within the meaning of section 10A of the Information Technology Act, 2000 and is valid and enforceable without any physical or digital signature. AINA keeps a record of the version presented to the User, the time of acceptance, the User’s account or session identifier and the Booking terms displayed. Absent manifest error, those records are presumptive evidence of the User’s acceptance and of the terms then in force, and AINA will furnish a certificate under section 63 of the Bharatiya Sakshya Adhiniyam, 2023 where required for proceedings. Nothing in this clause prevents the User from proving otherwise.

2.3The Privacy Notice is provided separately. Any optional marketing consent will be requested separately from acceptance of this Agreement.

2.4This Agreement continues until terminated under clause 17.

2.5In accordance with the Intermediary Rules, AINA will inform the User at least once every year of its rules and regulations, Privacy Notice and this Agreement, and of the consequences of non-compliance. AINA will maintain a dated, accessible version history.

2.6This Agreement is made in English. Any translation is for convenience only and the English text prevails.

3. ROLE OF AINA AND READERS

3.1AINA operates the Platform as a marketplace. The Reader supplies the Sitting directly to the User as an independent professional. AINA supplies the Platform, the listing, booking, payment collection, customer support, safety rules and complaints process.

3.2A Reader is not an employee, partner, joint venturer or agent of AINA, except that AINA acts as the Reader’s limited collection agent under clause 3.3. A Reader’s opinions and statements during a Sitting are the Reader’s own, subject to AINA’s express undertakings in this Agreement.

3.3AINA acts as the Reader’s limited agent for the sole purpose of receiving the Sitting Price through an authorised payment aggregator regulated by the Reserve Bank of India (identified in Schedule E), which settles the Reader’s share to the Reader. Payment of the Sitting Price to AINA in accordance with this Agreement discharges the User’s obligation to pay the Reader for that amount. AINA will handle funds only in the manner permitted by Applicable Law and the directions of the Reserve Bank of India.

3.4AINA remains responsible for its own promises and acts, including the operation of the Platform, payment collection, customer support, and the refunds and remedies expressly promised in this Agreement. Nothing in this clause 3 reduces any obligation that AINA has as a marketplace e-commerce entity under Consumer Law.

3.5Readers are presented on the Platform by a first name or a chosen professional display name. Before the User pays, AINA will make accessible the Reader’s legal name and the other seller information required by Applicable Law, through the seller-information route on the booking page or the Help route, together with the Sitting format, duration, complete price, applicable taxes and material cancellation terms. The invoice or receipt for a Booking identifies the Reader as the supplier. Where lawful, AINA may issue a receipt, invoice or credit note on the Reader’s behalf and will identify the supplier accurately.

3.6AINA will not describe a privately awarded “AINA Certified” credential as a government licence or as proof of predictive accuracy.

3.7To the extent AINA hosts or transmits User Content or Reader content, it does so as an intermediary within the meaning of the Information Technology Act, 2000, and will comply with the Intermediary Rules. AINA claims the protection of section 79 of that Act only in respect of such third-party content and not in respect of its own promises and acts described in clause 3.4.

4. THE SERVICES; NATURE OF TAROT; NO PROFESSIONAL ADVICE

4.1AINA’s paid offering under this Agreement is tarot card reading only. A Sitting is conducted live and personally by the Reader shown in the User’s Booking. An automated tool or another person must not pose as that Reader. If the booked Reader does not conduct the Sitting, clause 10.4 applies.

4.2The purpose of a Sitting is reflection and entertainment. Interpretations are subjective. Neither AINA nor a Reader promises that a reading is factually accurate, that any event will occur, or that any personal, relationship, career, health or financial outcome will follow. The Reader remains responsible for truthful descriptions and professional conduct. This clause does not excuse deception or deficient service.

4.3The User acknowledges and agrees that:

(a)a Sitting is not medical, mental-health, legal, financial or other regulated professional advice;

(b)Readers must not diagnose, prescribe, direct the User to stop treatment, recommend a security or investment, predict a court result, or use a reading to decide an emergency;

(c)the User will not rely on a Sitting as the basis for a medical, legal, financial or other consequential decision, and any decision the User takes after a Sitting is taken at the User’s own judgment, after consulting a qualified professional where appropriate; and

(d)in immediate danger in India the User should call 112, and for mental-health support the User may contact Tele-MANAS at 14416 or another locally available service. For a US Booking, the User may call 911 for an emergency or call or text 988 for crisis support. These numbers are information only and are not services provided by AINA.

4.4AINA and Readers do not sell or prescribe rituals, remedies, gemstones, charms, medicines or other products through a Sitting. No Reader may claim that a purchase or a further paid Sitting is needed to remove a curse or prevent harm. The User is requested to report any such claim to AINA.

5. ELIGIBILITY AND PROFILE

5.1The User represents and warrants that the User is at least 18 years old, is competent to contract under section 11 of the Indian Contract Act, 1872, is not otherwise disqualified from contracting, and is located in a country in which AINA has enabled bookings. As at the date of this version, AINA enables bookings for Users located in India. AINA may enable bookings for Users located in the United States, in which case the local availability shown at checkout and Schedule C apply to a US Booking. If AINA learns that an account belongs to a person under 18, AINA may close it, cancel any upcoming Sittings and refund them in full.

5.2AINA may carry out a proportionate age or location check where reasonably necessary. The User shall not create a profile for a minor or bring a minor into a Sitting. If AINA reasonably believes that a profile belongs to a minor, it may suspend the profile and erase the related personal data in accordance with Data Protection Law.

5.3The User shall use one profile only and shall provide an accurate phone number and payment information that the User is authorised to use, and shall keep them updated. A display name may be a first name or pseudonym, but the User must not impersonate another person.

5.4The User shall keep one-time passwords and access to the User’s profile secure, and shall tell AINA promptly through the Support Channels if the User suspects misuse. The User is responsible for use of the User’s profile to the extent caused by the User’s failure to protect it, except where AINA or its providers caused the problem. Any liability for unauthorised electronic payment transactions is governed by the applicable Reserve Bank of India framework.

5.5Providing a date of birth is optional. If the User provides one, AINA uses it only to confirm that the User is 18 or older. AINA does not require a birth time or birth place, and does not use a date of birth for a tarot Sitting. The User shall not submit another person’s private information unless it is necessary and the User has a lawful basis to share it. Readers may discuss how a relationship affects the User, but may decline to make claims about a third person or a child.

6. BOOKINGS AND CONFIRMATION

6.1The available formats are a 5-minute Quick Read, a 20-minute Sitting and a 45-minute Sitting. A Quick Read may be booked by any User, at most once per User per day. The question for a Quick Read is submitted when booking, and booking for a Quick Read closes 15 minutes before the slot. Slots may be offered up to 14 days ahead. The available medium and start time, including the time zone, are shown before payment.

6.2The User’s Booking is confirmed only after successful payment and an on-screen confirmation with a booking reference. A message may also be sent through an enabled service channel. A pending or failed payment does not itself secure a slot. If payment is captured but the Booking cannot be confirmed, AINA will promptly initiate a full reversal or refund and tell the User the reference and status. AINA does not promise to hold a slot for a fixed time unless that period is displayed in the booking flow.

6.3The User should review the Reader, duration, medium, local start time, Sitting Price, taxes and cancellation terms before selecting Pay. AINA may send booking confirmations, reminders and service notices through the channels the User has chosen or provided, including WhatsApp, SMS, e-mail and in-app notices. Marketing messages require a separate choice where law requires it.

6.4The User may book only for the User’s own benefit. A Reader may decline a question outside the safe scope of tarot, including requests for definite predictions of death, pregnancy, illness, legal outcomes, betting, investments, or another person’s private conduct. A Reader’s good-faith refusal of a specific unsafe question is not itself a breach. If the Sitting cannot reasonably continue, clause 11.5 applies.

6.5Free Quick Reads. AINA may from time to time offer a free Quick Read as a promotion, drawn from a Reader’s unsold slots. A free Quick Read is subject to this Agreement; is limited to one per person unless AINA states otherwise; does not count as a first paid Sitting for the purposes of clauses 7.2 and 12.4; carries no refund, because nothing is paid for it; and may be modified or withdrawn prospectively under clause 17.6 without affecting a slot already confirmed. The joining and no-show rules in clause 9 apply to a free Quick Read, and a User who does not attend one may lose eligibility for further free Quick Reads.

7. PRICE AND PAYMENT

7.1Each Sitting has a fixed, total Sitting Price shown before payment. For bookings in India, the displayed price is in Indian Rupees and includes applicable GST and all mandatory charges. For a US Booking, the price and currency shown at checkout apply, subject to Schedule C. There are no per-minute charges, automatic top-ups, prepaid wallet balances, subscriptions or paid add-ons under this Agreement. Payment methods available for the User’s Booking appear at checkout. AINA uses authorised payment providers and does not need the User’s full card credentials for a Sitting.

7.2A Reader’s 45-minute price is ordinarily twice that Reader’s 20-minute price, and the Quick Read price is ordinarily one-half of it; the price displayed at checkout governs. A first-Sitting price, where a Reader offers one, is a standalone price for the User’s first paid Sitting with that Reader in the eligible format, shown before payment and subject to the stated eligibility. It will not be presented as a markdown from a price that was never charged. A Booking made through a Reader’s personal link may have different first-Sitting eligibility, shown before the User pays.

7.3If an obvious display or technical error results in a materially wrong price, AINA will notify the User before the Sitting and offer the corrected price or a full refund. AINA will not charge the difference without the User’s express agreement. The User’s invoice or receipt will identify the actual supplier and the tax treatment as required by law.

7.4AINA may decline, hold or reverse a payment that it reasonably suspects to be fraudulent or unauthorised, and will inform the User of this and of the steps the User can take to resolve it.

7.5The User is responsible for any charge that the User’s bank or card issuer applies to the User’s payment, which AINA does not control.

8. RESCHEDULING AND CANCELLATION BY THE USER

8.1The User may cancel through the booking page. The cancellation time recorded by the Platform controls, subject to correction of a proven system error. If the User cancels 12 hours or more before the Scheduled Start Time, the User receives a full refund. If the User cancels less than 12 hours before the Scheduled Start Time, the User receives a 50% refund. The retained portion is a genuine pre-estimate of the loss caused by the reserved slot, the Reader’s foregone opportunity and related costs, and is not a penalty. Any more favourable mandatory right prevails.

8.2The User may cancel within 10 minutes after booking for a full refund if the Sitting is at least one hour away when the User cancels. This grace period applies once payment and Booking are confirmed.

8.3The User may reschedule once without charge if the User does so at least 12 hours before the original Scheduled Start Time, subject to an available slot. A later request is treated under clause 8.1 unless AINA offers a more favourable option. The cancellation deadline for a rescheduled Sitting is measured from its new start time, but rescheduling cannot be used to erase an already accrued late-cancellation charge.

8.4If a genuine emergency prevents the User from attending, the User should contact AINA as soon as reasonably possible. AINA may waive the late-cancellation charge after considering the facts, and may ask for proportionate evidence without demanding sensitive records unnecessarily. A waiver is discretionary unless Applicable Law requires it.

8.5The Parties acknowledge that clauses 10.5 and 10.6 give the User a reciprocal remedy where the Reader cancels late or does not attend, or where AINA cancels late, so that the cancellation charge in clause 8.1 is not one-sided.

9. JOINING, NO-SHOW AND INTERRUPTIONS

9.1The User shall join through the Platform using the instructions in the User’s Booking. If the User joins late, the Sitting ordinarily ends at its originally scheduled end time. Any extra time the Reader voluntarily gives is free, does not change the price and is not guaranteed. A Reader may give up to five extra minutes for a 20-minute or 45-minute Sitting, or one extra minute for a Quick Read.

9.2The User is a no-show only if the Reader joined on time or within a reasonable grace period, tried to reach the User through the Platform prompt, and the User did not join within 10 minutes of the Scheduled Start Time of a 20-minute or 45-minute Sitting, or within 3 minutes of the Scheduled Start Time of a Quick Read. A no-show is not refunded, except where AINA’s or the Reader’s failure prevented the User from joining or Applicable Law requires a remedy.

9.3If the User’s connection, device or surroundings cause an interruption, AINA will assess the time delivered and may offer a reasonable continuation or other fair remedy. If the Reader’s connection or the Platform fails, AINA will review the available logs and offer continuation, rescheduling, a proportionate refund or a full refund according to the service actually delivered. The User will not pay for substantial time not supplied because of a fault on AINA’s or the Reader’s side.

9.4AINA’s Platform records of joining, leaving and connection events will be used to determine attendance and time delivered and, absent manifest error, are presumed to be accurate. The User may submit contrary evidence, which AINA will consider fairly.

10. CANCELLATION OR NON-DELIVERY BY READER OR AINA

10.1If a Reader seeks to move or cancel a confirmed Sitting at least 24 hours before its Scheduled Start Time, AINA will tell the User promptly, and the User may accept a suitable new time or take a full refund. An emergency may require less notice, and the User still chooses a suitable new time or a full refund. The User never has to accept a substitute Reader.

10.2If AINA cancels a Booking, including because a Reader is unavailable or suspended or the Platform cannot deliver it, the User receives a full refund. AINA may offer an alternative time or Reader, but only if the User chooses it.

10.3A Reader is a no-show only after the same joining period stated in clause 9.2 and a reasonable contact attempt. If the booked Reader does not personally appear, AINA will promptly initiate a full refund to the original payment method and will issue the Make-good Credit under clause 10.5.

10.4If the Sitting was conducted by an unapproved person or by an automated tool presented as the User’s booked Reader, the User may elect a full refund. AINA may suspend the Reader and investigate. Any statutory remedy remains available.

10.5Make-good Credit for a Reader’s no-show or late cancellation. If the Reader is a no-show, or a confirmed Sitting is cancelled less than 12 hours before its Scheduled Start Time by or because of the Reader (including the Reader’s unavailability or conduct), other than for a genuine emergency such as sudden illness or bereavement that is notified as soon as practicable, AINA will, in addition to the full refund, issue the User a Make-good Credit equal to 25% of the Sitting Price of that Booking. The Make-good Credit may be used towards any Sitting with any Reader on the Platform, is valid for 90 days from the date of issue, is personal to the User, is not transferable, may be applied to one or more Bookings until exhausted, and is not redeemable for cash except where Applicable Law requires. Its value, use rules and expiry will be shown to the User when it is issued. AINA bears the Make-good Credit as between AINA and the User, regardless of any separate recovery from the Reader.

10.6Reciprocal remedy for AINA’s own late cancellation. If AINA itself unilaterally cancels a confirmed Sitting less than 12 hours before its Scheduled Start Time, for a reason other than the Reader’s unavailability, non-attendance or conduct, a Force Majeure Event, a genuine safety emergency or the User’s breach of this Agreement, AINA will refund the full Sitting Price and pay the User additional compensation equal to 50% of that Sitting Price, through a lawful refund or payment route to the User’s original payment method. This mirrors the 50% charge that a User bears for a late cancellation under clause 8.1. AINA will not replace this cash compensation with a credit without the User’s informed choice.

10.7A Force Majeure Event (as defined in clause 23) or a genuine safety emergency does not remove the User’s right to a refund of an undelivered Sitting. The Make-good Credit in clause 10.5 and the compensation in clause 10.6 are not payable where the cancellation or non-delivery results from a Force Majeure Event or a genuine safety emergency, unless Applicable Law requires otherwise. AINA will not use an undefined exception to retain the Sitting Price of an undelivered Sitting.

10.8A remedy under clause 10.5, 10.6 or 12.1 is payable once only for the same Booking, and the remedy stated for an event is the sole contractual monetary remedy for that event, without prejudice to any remedy that cannot lawfully be excluded.

11. USER CONDUCT AND SAFE SITTINGS

11.1The User and the Reader must treat each other respectfully. The User must not threaten, harass, abuse, discriminate against or sexually solicit any person, record a Sitting without permission (see clause 13.4), disclose private information, seek off-platform payment, or use a Sitting for fraud or unlawful conduct. Criticism of a reading and a good-faith complaint are allowed.

11.2Readers must follow these Brand Lines: (a) no fear or manufactured urgency; (b) no deliberately unfinished reading to sell another; (c) no definite outcome or professional-authority claims; (d) no sale or prescription of a remedy, ritual or product; (e) no off-platform solicitation; (f) no discrimination, harassment, sexual conduct or coercive advice; and (g) no unauthorised recording, disclosure or reuse of the User’s information. A single neutral statement at the end of a Quick Read that longer Sittings exist is permitted, without pressure.

11.3Readers may not ask for passwords, OTPs, bank credentials, explicit images, unnecessary identity documents or direct payment. The User should not provide them, and should use the report control or contact AINA if anyone asks.

11.4A Reader may end a Sitting for threats, harassment, sexual misconduct, serious abuse, fraud or an immediate safety concern. A Sitting properly ended because of the User’s material misconduct may be treated as delivered, without refund, subject to fair review and mandatory rights. Mere disagreement, scepticism or negative feedback is not misconduct.

11.5If a Reader stops because the User’s question needs emergency or regulated professional help, AINA will review the circumstances and refund the undelivered part. If no meaningful Sitting was provided, AINA will refund the full Sitting Price. The Reader may give crisis or professional-support information without undertaking to provide clinical care.

11.6AINA may act on a credible threat to safety or a legal reporting duty, using only the information necessary for that purpose.

12. BRAND-LINE COMPLAINTS AND SERVICE GUARANTEES

12.1If a Reader materially breaches a Brand Line during the User’s Sitting, AINA will refund the Sitting Price the User paid for that Sitting to the original payment method. This guarantee addresses conduct, not disagreement with an interpretation or whether a predicted event occurred. It is additional to statutory rights.

12.2The User should report a concern through the post-Sitting report control or the Support Channels, preferably within 7 days so that evidence is available. A late report will still be considered where there is a serious safety issue, a reasonable explanation or a non-waivable right. The User may describe what happened and supply relevant messages. The User should not send another person’s sensitive details unnecessarily.

12.3AINA will acknowledge the report, examine the available booking, payment and connection records and Platform messages, invite the Reader’s response where fair and safe, and give the User a reasoned decision within the timelines in clause 22.2. AINA does not routinely record Sittings, so it will not demand a recording as the price of a complaint. AINA may take interim safety action while investigating. Knowingly false complaints may lead to proportionate account action, but an unproven good-faith complaint will not.

12.4First-five-minutes guarantee. If this is the User’s first paid 20-minute or 45-minute Sitting on AINA in which a Reader actually joins, and the reading does not feel right for the User, the User may end it during its first five minutes and select “This was not for me” on the Sitting screen. AINA will refund the full amount the User paid for that Sitting to the User’s original payment method. The User does not need to prove that the Reader was at fault or explain why the Sitting did not suit the User. This guarantee may be used once per person, and only for a Sitting that the User ends within its first five minutes. The five minutes run from when both the User and the Reader have joined, not from the Scheduled Start Time. A first paid Sitting of 20 or 45 minutes is eligible, including one bought at a first-Sitting price. A Booking that was cancelled or never delivered does not use this one-time guarantee. A Quick Read, whether paid or free, is not eligible for this guarantee and does not use it up. If a technical fault prevents the User from using the control, the User should contact AINA within 24 hours, and AINA will use the connection logs and the User’s report to apply the same guarantee. AINA bears the cost of this guarantee as between AINA and the User and will not make the User’s refund depend on recovering money from the Reader. The guarantee does not reduce any separate non-delivery, Brand-Line or statutory remedy.

12.5Safeguards against misuse. Whether a person has already used the guarantee will be determined using the phone number, payment instrument, device and other identifiers that reasonably indicate the same person, in a manner consistent with Data Protection Law and as described in the Privacy Notice. AINA may decline a claim where its records reasonably show that the claimant holds more than one profile, or has misrepresented facts, in order to obtain the guarantee more than once, and will tell the claimant the reason. AINA may not deny an otherwise eligible first claim because of subjective disagreement with the claimant’s reason.

12.6The guarantees in this clause are in addition to statutory rights, but a person may not recover twice for the same loss.

13. PRIVACY, DATA PROTECTION, CONFIDENTIALITY AND RECORDINGS

13.1AINA processes account, booking, payment, service and complaint information as described in the Privacy Notice, in its capacity as a Data Fiduciary under the DPDP Act. The Privacy Notice will explain the categories of information, purposes, sharing with the Reader and service providers, retention, the User’s rights, how to withdraw consent, and the privacy contact.

13.2Where AINA relies on the User’s consent, it will seek it through a clear, standalone notice and an affirmative action. Consent is free, specific, informed, unconditional and unambiguous. The User may withdraw consent as easily as it was given. Withdrawal does not affect the lawfulness of processing before withdrawal and may mean that AINA can no longer provide a Sitting. Optional marketing is a separate choice. The User’s question and what the User says in a Sitting may include sensitive information, and the User should share only what the User chooses to share. To the extent any such information is “sensitive personal data or information” under the SPDI Rules, the User consents by this Agreement to its collection and use only for the purposes stated in the Privacy Notice.

13.3AINA will not disclose the substance of the User’s question or Sitting to advertising platforms for targeted advertising.

13.4Recordings. AINA does not make audio or video recordings of Sittings. Readers must not record, stream, screen-capture or externally transcribe a Sitting. The User must not record, stream, screen-capture, transcribe or publish a Sitting without the prior written consent of the Reader and AINA. Private written notes for the User’s own use are allowed. Nothing in this clause prevents the User from giving AINA or a public authority material lawfully in the User’s possession in connection with a complaint, or from exercising a legal right. AINA may retain limited technical logs, booking questions, Platform messages and complaint evidence as described in the Privacy Notice. A change to AINA’s recording practice requires advance notice and any legally required consent.

13.5Readers must use the User’s information only to deliver the Sitting and assist an authorised complaint, keep it confidential and not contact the User outside the Platform. Limited disclosure may be made where required by law or reasonably necessary for an immediate safety response. AINA will take reasonable security safeguards to protect personal data and will investigate reported misuse.

13.6The User may exercise the User’s rights under Data Protection Law, including to access information about the processing of the User’s personal data, to correction, completion, updating and erasure, to grievance redressal and to nominate another person to exercise the User’s rights in the event of the User’s death or incapacity, by contacting the privacy contact in Schedule E. AINA will respond within the period required by Data Protection Law and aims to respond within 30 days.

13.7If a personal data breach affects the User, AINA will inform the User and the Data Protection Board of India in the manner and within the time required by Data Protection Law.

13.8AINA may store or process personal data outside India, including on cloud infrastructure and with service providers located abroad and for any US Booking, subject to Data Protection Law and any restriction notified by the Central Government on transfer to a particular country.

13.9AINA will retain personal data only for as long as needed for the purpose for which it was collected or as required by law (for example, tax, security or dispute-related record-keeping), as described in the Privacy Notice.

14. INTELLECTUAL PROPERTY, USER CONTENT AND REVIEWS

14.1The User retains the rights in material the User lawfully submits. The User gives AINA a non-exclusive, worldwide, royalty-free licence, sub-licensable only to its service providers, to host, process and display it solely to provide the Platform, deliver the User’s Booking, handle support and complaints, prevent fraud and comply with law. A published testimonial or afterword requires a separate, revocable publication choice. Withdrawal stops future display within 30 days, though existing lawful records may remain.

14.2AINA or its licensors own the Platform, the AINA name, logo and marks (whether or not registered), the designs, the editorial tarot content (including the Today’s Pull card copy and deck artwork), the names and structures of the Sitting formats, and the software. AINA grants the User a limited, personal, non-exclusive, non-transferable and revocable right to use them for lawful, non-commercial purposes while the User’s profile is active. The User must not copy, scrape, reverse-engineer, resell, interfere with, or use Platform content to train an artificial-intelligence system without AINA’s written permission, except where law permits.

14.3The User warrants that the User owns or is entitled to submit any User Content and that it does not infringe the rights of any person or breach Schedule D.

14.4Feedback must be genuine. AINA may remove fake, unlawful, abusive or privacy-infringing material, with reasons where appropriate. It will not remove or penalise honest negative feedback merely because it is negative. Any sponsored placement or material connection affecting a displayed endorsement will be identified as required by Consumer Law.

15. PROHIBITED USE AND INTERMEDIARY COMPLIANCE

15.1The User must not: (a) impersonate any person; (b) use stolen or unauthorised payment details; (c) create duplicate profiles to obtain an introductory price, a free Quick Read or a guarantee more than once; (d) disrupt security or upload malicious code; (e) use the Platform to commit fraud or any offence; (f) resell Sittings or use the Platform for commercial purposes; (g) circumvent age, location or access controls; or (h) make knowingly false complaints or reports.

15.2The User must not host, display, upload, modify, publish, transmit, store, update or share any information that falls within Schedule D. AINA will inform the User of these restrictions as required by the Intermediary Rules.

15.3On receiving actual knowledge through a court order or a notification from the appropriate government or its agency, or on a valid complaint, AINA may remove or disable access to such information, within the time required by the Intermediary Rules, preserve related records, and suspend or terminate the profile responsible.

15.4AINA may disclose information to government agencies and law-enforcement authorities where required by Applicable Law, including within the time required by the Intermediary Rules for a lawful order.

15.5The User shall keep booking, payment and Sitting communications on AINA. An off-platform arrangement is outside this Agreement and AINA cannot administer its Booking protections or refunds. The User should report attempted diversion. This clause does not prevent the User from exercising any legal right or contacting a Reader independently after that Reader’s relationship with AINA has ended.

16. REFUND MECHANICS AND PAYMENT DISPUTES

16.1Refunds under this Agreement are initiated to the original payment method in the currency charged, including refunds under the first-five-minutes guarantee. If that method is unavailable, AINA will arrange another lawful method after verifying the User’s identity. The refund of a Sitting Price is never replaced by platform credit without the User’s informed choice. The Make-good Credit under clause 10.5 is additional to the refund, and its value, use rules and expiry are shown when it is issued. Any other compensatory credit that AINA separately offers must show its value, use rules and expiry before the User accepts it.

16.2AINA will initiate an accepted refund promptly, normally within two Business Days after eligibility is established. Payment-provider and bank settlement times may vary, and AINA expects the money to reach the User within 5 to 7 Business Days of initiation. Where a failed payment or non-delivery is objectively confirmed, AINA will act without waiting for a discretionary investigation. AINA will give the User a reference or status and will assist if the money does not arrive. Applicable statutory or payment-system timelines prevail.

16.3The User may raise a chargeback or payment dispute with the User’s provider. Contacting AINA first may help resolve it faster but is not a condition of using bank or statutory remedies. AINA may share relevant transaction records with the payment provider to resolve the dispute and may act against proven fraud. Where a refund has already been paid, AINA may recover any duplicate amount.

16.4AINA may withhold a discretionary compensation payment (but not the refund of an undelivered Sitting Price) for up to 7 days while it verifies a reasonable suspicion of fraud, and will inform the User of this.

17. SUSPENSION, TERMINATION, DELETION AND CHANGES

17.1The User may request deletion of the User’s profile through the available settings or the Support Channels. AINA will explain how pending Bookings and lawful retention are handled before deletion. It will not silently treat a deletion request as a cancellation of a paid Sitting. The User may first cancel or complete pending Bookings. Refunds already due remain due. Some records may be kept to meet tax, security, dispute or other legal duties, as described in the Privacy Notice.

17.2AINA may restrict or suspend access where reasonably necessary for safety, fraud prevention, serious or repeated breach, or compliance with law. Where practicable and lawful, it will give the reason and a chance to respond. For Bookings that AINA cannot provide after its own suspension decision, it will offer a full refund or an agreed alternative. Where the suspension results from the User’s material breach or fraud, AINA is not obliged to refund amounts for Sittings already delivered or for Bookings the User caused to fail, subject to mandatory rights. AINA may refuse a new Booking after a lawful closure.

17.3AINA may terminate this Agreement (a) immediately, by notice, for the User’s material breach, fraud or where required by law, and (b) for any other reason on not less than 30 days’ notice, in which case it will refund the Sitting Price of every undelivered confirmed Booking.

17.4On termination or expiry, accrued rights and liabilities are unaffected. Clauses 2.2, 3.4, 10.8, 13, 14, 16, 17.4, 18 to 21 and 24 survive.

17.5AINA may amend this Agreement. It will give advance notice of a material change, of not less than 15 days where practicable, by e-mail or in-app notice. A change to price, cancellation or refund terms will not apply to a Booking already confirmed, and the terms shown at its checkout govern that Booking. Where a change materially reduces the User’s rights, AINA will ask for the User’s fresh acceptance. Otherwise, continued use after a clearly notified effective date signifies acceptance only to the extent permitted by law. If the User does not agree, the User may close the User’s profile.

17.6AINA may modify or discontinue features, Readers, Sitting formats, promotions and the prices of future Bookings, including any launch promotion and the free Quick Read promotion, on reasonable notice. This does not affect a Booking already confirmed.

18. DISCLAIMERS

18.1To the fullest extent permitted by Applicable Law, and except as expressly promised in this Agreement, the Platform is provided on an “as is” and “as available” basis. AINA does not warrant that the Platform will be uninterrupted, error-free or free of harmful components.

18.2A Reader’s interpretation is the Reader’s own. AINA does not warrant the accuracy of a reading, the occurrence of any outcome, or the suitability of a reading for the User’s circumstances, and the User remains responsible for the User’s decisions.

18.3AINA is not responsible for the acts or failures of third parties outside its reasonable control, such as telecom and internet providers, the User’s device, or payment networks, beyond exercising reasonable care in selecting its service providers.

18.4Nothing in this clause excludes any right or remedy that cannot lawfully be excluded under Consumer Law, including for deficiency in service, unfair trade practice or fraud.

19. LIMITATION OF LIABILITY

19.1AINA is responsible for the Platform, its own representations, payment collection, customer support and the express remedies in this Agreement. Readers are responsible for the content and professional conduct of their Sittings. AINA will investigate credible complaints and take reasonable action under its Reader standards. No disclaimer in this Agreement removes a duty or remedy imposed by Consumer Law.

19.2To the extent Applicable Law permits, neither Party is liable to the other for any indirect, special, incidental, punitive or remote or unforeseeable consequential loss, or for loss of profit, goodwill, data or opportunity, or for loss arising from a decision taken in reliance on a reading.

19.3To the extent Applicable Law permits, AINA’s aggregate liability arising out of or in connection with a Booking, whether in contract, tort (including negligence) or otherwise, is limited to the greater of (a) the Sitting Price of the affected Booking and (b) ₹5,000 (Rupees five thousand). This limit does not reduce an expressly promised refund, Make-good Credit or compensation, a statutory consumer remedy, or liability that cannot lawfully be limited, including for fraud, wilful misconduct, gross negligence, or death or personal injury.

19.4AINA is not liable for the acts or omissions of a Reader except as stated in clauses 3.4, 10 and 12. The User may pursue a claim directly against a Reader, and AINA will provide the Reader’s identity and contact details to the extent Applicable Law requires or permits.

20. INDEMNITY

20.1The User will indemnify AINA, its directors, officers and employees against reasonable, proven third-party claims and direct losses (including reasonable legal costs) arising from the User’s fraud, the User’s breach of clause 15, unlawful User Content, or unauthorised recording or publication of a Sitting, to the extent legally recoverable under sections 124 and 125 of the Indian Contract Act, 1872.

20.2AINA must give the User prompt notice of a claim and a reasonable opportunity to respond, must consult the User before settling it, and must mitigate its loss. This clause does not apply to a good-faith complaint or to ordinary disagreement with a reading.

21. GOVERNING LAW AND DISPUTE RESOLUTION

21.1This Agreement is governed by the laws of India.

21.2Internal resolution first. The User should first contact AINA through clause 22 so that AINA can investigate. This step does not prevent urgent relief, a payment-provider dispute or any statutory complaint.

21.3Consumer rights preserved. Nothing in this Agreement restricts the User from using the National Consumer Helpline (1915), approaching a Consumer Commission that has jurisdiction under the Consumer Protection Act, 2019, using mediation under that Act, or approaching any other statutory authority or forum.

21.4Mediation. The Parties may agree to refer a dispute to mediation under the Mediation Act, 2023.

21.5Arbitration. Subject to clauses 21.3 and 21.8, a dispute arising out of or in connection with this Agreement that has not been resolved under clause 21.2 within 30 days, and that the User has not chosen to bring before a Consumer Commission or other statutory forum, shall be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996. The tribunal shall be a sole arbitrator appointed by mutual consent of the Parties or, failing agreement within 30 days, by the Delhi International Arbitration Centre in accordance with its rules for the appointment of arbitrators. AINA shall not have the right to appoint the arbitrator unilaterally. The seat and venue shall be New Delhi and the language English. Hearings may be conducted online without altering the seat. The award is final and binding. AINA will bear the arbitrator’s fees for any claim by a User whose total value is below ₹5,00,000 (Rupees five lakh).

21.6Jurisdiction. Subject to the preceding clauses and to any mandatory jurisdiction of a Consumer Commission or court, the courts at New Delhi have exclusive jurisdiction over matters relating to arbitration, interim relief and enforcement, and over any dispute not referred to arbitration.

21.7Either Party may seek urgent interim relief from a competent court, including under section 9 of the Arbitration and Conciliation Act, 1996.

21.8For a US Booking, Schedule C applies and prevails over this clause 21 to the extent of any conflict.

21.9Nothing in this Agreement waives or limits any right of a User to join, or to be represented in, a class or representative complaint permitted by section 35 of the Consumer Protection Act, 2019.

22. GRIEVANCE REDRESSAL AND CONTACT

22.1Support Channels: e-mail talktous@aina.world; and the Help route on the Platform. AINA may later publish a telephone or WhatsApp number on the Platform, and from the time it is published that number forms part of the Support Channels. Support is staffed from 10:00 to 22:00 IST every day, and the in-app report control is available at all times. Grievance Officer: Rajanya Kumar Dey, Founder & Director, Astrosphere Technologies Private Limited; e-mail talktous@aina.world (subject line “Grievance”); address: the registered office stated in Schedule E. Privacy contact (Data Fiduciary contact): talktous@aina.world (subject line “Privacy”). These details are repeated in Schedule E and are displayed on the Platform. AINA may update a contact detail by updating Schedule E and the Platform, without this being a material change under clause 17.5.

22.2AINA will acknowledge a complaint within 24 hours where it concerns content or conduct covered by the Intermediary Rules, and within 48 hours in any other case. AINA will resolve a complaint covered by the Intermediary Rules within 15 days of receipt and any other complaint within one month of receipt, or sooner where law requires. Urgent safety, payment and non-delivery issues will be prioritised. AINA will provide a complaint reference and a reasoned outcome.

22.3If the User is not satisfied, the User may use the National Consumer Helpline (1915) or its online portal, a Consumer Commission with jurisdiction, and, for complaints about content, the Grievance Appellate Committee under the Intermediary Rules. For personal data complaints, the User may approach the Data Protection Board of India once it is constituted and after using AINA’s grievance process. This Agreement does not restrict those routes.

23. FORCE MAJEURE

23.1“Force Majeure Event” means an event beyond a Party’s reasonable control, including natural disaster, epidemic, war, riot, government action or order, general failure of the internet, telecommunications or power infrastructure, failure of payment-system infrastructure, or cyber-attack despite reasonable safeguards. It does not include an event within AINA’s control or a Reader’s personal unavailability not caused by such an event.

23.2A Force Majeure Event may delay or prevent a Sitting, but AINA will offer the refund or alternative required by clauses 10 and 16. Neither Party can use force majeure to keep payment for a Sitting that is not delivered. A Force Majeure Event does not excuse payment for a Sitting already delivered.

24. GENERAL

24.1Notices. Notices to the User may be given by e-mail, in-app message, WhatsApp or SMS to the contact details on the User’s profile. Notices to AINA must be sent to the Support Channels or to the registered office in Schedule E. An in-app notice is deemed received when posted, and an e-mail 24 hours after sending, absent a delivery failure message.

24.2Entire agreement. This Agreement, the Booking terms shown before payment and the Privacy Notice form the entire terms of the User’s use of the Platform and supersede earlier understandings on the subject. A separate, specifically accepted term applies only to the feature it describes. If terms conflict, a mandatory legal right controls, and for a confirmed Booking the more specific checkout promise controls its price and cancellation terms.

24.3Severability. If any part of this Agreement is unenforceable, the remainder continues where workable, and the unenforceable part will be read down to the extent needed to make it enforceable.

24.4No waiver. A delay in enforcing a right is not a waiver of it.

24.5Assignment. AINA may assign its Platform obligations to a bona fide successor that assumes them, on notice to the User. The User’s rights and accrued refunds remain intact. The User may not transfer the User’s profile, Booking or Make-good Credit without AINA’s consent.

24.6Relationship. Nothing in this Agreement creates a partnership, joint venture, employment or, except under clause 3.3, an agency between AINA and any Reader or User.

24.7Third parties. A Reader has no right to enforce this Agreement except as stated in the Reader Terms.

24.8Electronic execution. This Agreement may be accepted by an affirmative online action and no signature is required.

24.9Costs. Each Party bears its own costs of this Agreement.

24.10Stamp duty. AINA shall bear any stamp duty payable on this Agreement.

IN WITNESS WHEREOF, the Parties have accepted this Agreement electronically as of the Effective Date.

SCHEDULE A

Sign-up Text

AINA is for adults. Live tarot Sittings are reflective, not predictions or professional advice. Read the full User Agreement and Privacy Notice before continuing.

Providing a date of birth during sign-up is optional. A person under 18 may not create a profile or use the Platform.

By continuing, I agree to the AINA User Agreement and I consent to AINA processing my personal data for the purposes described in the Privacy Notice.

Optional AINA offers and updates are sent only to a User who separately chooses to receive them.

Service messages about sign-in, bookings, payments and safety may be sent through the contact channel supplied for those purposes. The Platform logs the text and version accepted, the timestamp and the account or session identifier.

SCHEDULE B

Checkout Disclosure

The following disclosure is shown at every checkout, populated by the Platform for the actual Booking. Items in ‹angle brackets› are filled in for each Booking.

For a 45-minute Sitting, substitute the duration. For a Quick Read, substitute the five-minute duration and the three-minute no-show period, and omit the first-five-minutes line. The Platform shows the actual Reader, duration, medium, price, seller information and applicable policy at every checkout, and stores the version displayed with the Booking.

SCHEDULE C

Additional Terms for Users in the United States

C0.Activation. This Schedule applies only once AINA enables a US checkout on the Platform. As at the date of this version, AINA enables bookings for Users located in India only, and no US Booking can be made. AINA will enable US Bookings only after completing the regulatory, tax and payment arrangements required for them.

C1.This Schedule applies to a US Booking, meaning a Booking for which AINA presents and accepts a US checkout after checking the location information reasonably available to it. The Sitting remains a live, human tarot experience for reflection and entertainment. It is not fortune-telling presented as verified fact, a guarantee of an outcome, or professional advice. AINA may decline or block bookings from any State or locality where it cannot lawfully offer the service. The absence of a block is not a representation that every form of reading is lawful in every locality.

C2.The User’s checkout will display the total price in US dollars, the payment method, any applicable tax or mandatory charge, the Reader, duration, time zone and cancellation terms before the User pays. AINA will not convert a confirmed Booking to another price or charge without the User’s express approval. The User’s bank or card issuer may apply its own currency-conversion or cross-border fee, which AINA does not set. AINA will disclose any known payment-provider fee at checkout. A refund is initiated in the charged currency and for the amount stated in this Agreement.

C3.The first-five-minutes guarantee and all other refund promises in this Agreement apply to US Bookings. Any non-waivable State or federal cancellation, refund, consumer-protection, privacy or payment right applies in addition to these terms. No clause requires the User to surrender a right to complain to a public authority, bring a claim in a court that has mandatory jurisdiction, or use a chargeback process.

C4.Nothing in this Agreement requires pre-dispute arbitration, waives a class or representative procedure, or prevents a qualifying small-claims action for a US Booking. Clause 21 does not prevent the User from using a US court or public authority where non-waivable law gives it jurisdiction. For immediate danger the User may call 911. For mental-health crisis support the User may call or text 988.

C5.AINA will not present a Reader as licensed, clinically qualified or scientifically verified unless it can substantiate that claim. No reading may claim to remove a curse, treat illness or compel another person’s behaviour. AINA will describe any paid endorsement or sponsored placement accurately.

SCHEDULE D

Prohibited Content

In accordance with the Intermediary Rules, the User must not host, display, upload, modify, publish, transmit, store, update or share any information that:

(a)belongs to another person and to which the User does not have any right;

(b)is obscene, pornographic, paedophilic, invasive of another’s privacy including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating to or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;

(c)is harmful to a child;

(d)infringes any patent, trade mark, copyright or other proprietary right;

(e)violates any law for the time being in force;

(f)deceives or misleads the addressee about the origin of the message, or is patently false or untrue or misleading in nature and is written or published with the intent to mislead or harass a person, entity or agency for financial gain or to cause injury to any person;

(g)impersonates another person;

(h)threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States or public order, or causes incitement to the commission of any cognisable offence or prevents investigation of any offence, or is insulting to another nation;

(i)contains software viruses or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; or

(j)promotes or solicits any ritual, remedy, curse-removal or product claimed to have supernatural or curative effect, or otherwise breaches clause 4.4.

SCHEDULE E

Contact and Grievance Details

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