Legal & Policy Hub

1.1 Purpose of the Platform

Hoorsara (the "Platform") is a digital content monetization and creator economy platform that enables Creators — both human individuals and authorised AI-driven personas — to publish, monetize, and distribute content to subscribing audiences ("Fans"). Hoorsara acts solely as a technology facilitator and marketplace intermediary and does not itself produce, curate, endorse, or guarantee any user-generated content. The Platform's services include subscription memberships, paywalled content delivery, digital product sales, live tipping, and direct messaging between Fans and Creators, all facilitated through localized Indian payment infrastructure including UPI and Hoorsara's authorized payment partners.

1.2 Acceptance of Terms

By completing the registration process, clicking "I Agree", accessing any feature of the Platform, or making or receiving any payment through Hoorsara, you acknowledge that: (a) you have read and fully understood these Terms; (b) you have the legal capacity to enter into a binding agreement; (c) you are at least 18 years of age; and (d) you agree to be legally bound by these Terms, our Privacy Policy, Creator Policy, and General Use Policy, each of which is incorporated herein by reference. These Terms apply to all users, including but not limited to Fans, Creators (human and AI), and visitors.

1.3 Modifications to Terms

Hoorsara reserves the right to amend, modify, or update these Terms at any time in its sole and absolute discretion. Where changes are material, Hoorsara shall provide notice through: (a) a prominent in-platform notification; (b) an email to the registered email address on file; and/or (c) a banner on the Hoorsara homepage. Changes take effect 15 (fifteen) calendar days after notice is issued, except where immediate changes are required by applicable Indian law or regulatory mandate, in which case changes take immediate effect. Your continued use of the Platform following the notice period constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

As used throughout this Agreement and all incorporated policies, the following defined terms apply: • "Platform" means the Hoorsara website, mobile application, APIs, and all associated services. • "User" means any individual or entity that accesses or registers on the Platform, whether as a Fan, Creator, or visitor. • "Creator" means any User who publishes content on the Platform with the intention of monetizing that content, including both human individuals and authorised AI Creators. • "AI Creator" means a Platform-registered persona powered by artificial intelligence and disclosed as such in accordance with Article 4 of the Creator Policy. • "Fan" means any User who subscribes to, tips, or purchases content from a Creator. • "Content" means all text, images, audio, video, livestreams, digital products, and any other material uploaded, posted, or distributed by a Creator or User on the Platform. • "Platform Fee" or "Commission" means Hoorsara's percentage-based service charge applied to Creator earnings, as specified in the Creator Policy. • "Services" means all features, tools, infrastructure, and support provided by Hoorsara to facilitate transactions between Fans and Creators. • "KYC" means Know Your Customer, the mandatory identity verification process applicable to Creators under applicable Indian law and the Creator Policy. • "INR" means Indian Rupees, the primary currency of transactions on the Platform. • "DPDP Act" means India's Digital Personal Data Protection Act, 2023 and all rules and regulations issued thereunder. • "IT Act" means the Information Technology Act, 2000 and its amendments, including the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

3.1 Age Requirements

Access to and use of the Platform is strictly limited to individuals who are 18 (eighteen) years of age or older. The 18+ requirement applies universally to Fans and Creators alike and is non-negotiable. This requirement reflects Hoorsara's obligations under the Payment and Settlement Systems Act, 2007 (for financial transactions), the DPDP Act, 2023 (for legal capacity to provide data consent), and sound platform governance principles. By registering, you represent and warrant that you are at least 18 years of age. Hoorsara reserves the right to implement age-verification mechanisms at any time and to immediately suspend or terminate accounts where underage use is suspected or confirmed.

3.2 Accuracy of Registration Information

You agree to provide true, accurate, current, and complete information during the registration process and to promptly update such information as and when required to maintain its accuracy. Submission of false or misleading registration information, including but not limited to false identity, age, location, or payment credentials, constitutes a material breach of these Terms and may result in immediate account suspension, withholding of pending payouts, and legal action.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any two-factor authentication (2FA) tokens. You agree to: (a) use a strong, unique password; (b) enable 2FA where offered; (c) notify Hoorsara immediately at security@hoorsara.com upon becoming aware of any unauthorized access to or use of your account; and (d) ensure you log out at the end of each session on shared or public devices. Hoorsara shall not be liable for any loss, damage, or unauthorized activity arising from your failure to comply.

4.1 Relationship Between Fans and Creators

Hoorsara is a technology platform and marketplace intermediary. The commercial and creative relationship is directly between the Fan and the Creator. Hoorsara facilitates the transaction but is not a party to the underlying content agreement between Fan and Creator. Hoorsara does not endorse, verify, or guarantee the quality, accuracy, legality, or fitness for purpose of any Creator Content. By making a subscription or purchase, a Fan enters into the Standard Contract Between Fan and Creator (SFC), which is incorporated into these Terms by reference. Hoorsara's obligations are limited to: (a) maintaining the technical infrastructure; (b) processing payments as a payment aggregator intermediary; and (c) providing Trust & Safety enforcement.

4.2 Payments, Subscriptions, and Tipping

All transactions on the Platform are denominated in Indian Rupees (INR) unless otherwise specified. Hoorsara supports the following payment methods: UPI (including BHIM, Google Pay, PhonePe, Paytm UPI), Debit and Credit Cards (Visa, Mastercard, RuPay), and Net Banking via Hoorsara's authorized payment partners. By initiating a payment, you authorize Hoorsara and its payment partners to charge the applicable amount. Subscription fees are charged on a recurring basis (monthly, quarterly, or annually, as selected) and auto-renew until cancelled. All prices are inclusive of applicable GST unless explicitly stated otherwise.

4.3 Refund Policy

All payments made on the Platform are, as a general rule, non-refundable once content access has been delivered or a subscription period has commenced. Hoorsara may, at its sole discretion, issue refunds in exceptional circumstances: (a) duplicate payment processing errors; (b) technical failure that prevented content delivery; (c) Creator account termination prior to delivery of promised content; or (d) fraudulent transaction confirmed by Hoorsara's payment partners. Refund requests must be submitted to support@hoorsara.com within 7 (seven) calendar days.

4.4 Standard Contract Between Fan and Creator

By completing a purchase, subscription, or tipping transaction, the Fan and Creator automatically enter into Hoorsara's Standard Fan-Creator Contract (the "SFC"). The SFC: (a) grants the Fan a limited, personal, non-transferable, non-sublicensable licence to access the Content for personal use; (b) prohibits the Fan from downloading (unless permitted), redistributing, reproducing, screen-recording, or commercially exploiting the Content; and (c) establishes that disputes between Fans and Creators regarding content fulfillment shall be resolved via Hoorsara's dispute channels.

5.1 Platform Intellectual Property

All intellectual property comprised in or relating to the Platform — including the Hoorsara name and logo, software architecture, UI/UX design, proprietary algorithms, databases, APIs, and documentation — are the exclusive property of our company or its licensors and are protected under the Indian Copyright Act, 1957, the Trade Marks Act, 1999, the Patents Act, 1970, and applicable international IP conventions to which India is a signatory.

5.2 User Content Licence

You, as a Creator, retain full ownership of all original Content that you upload to the Platform. By uploading Content, however, you grant Hoorsara a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, archive, back up, transcode, display, and distribute your Content to authorized Fans in accordance with your chosen access settings and for safety review purposes.

6.1 "As-Is" Service Provision

THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE INDIAN LAW, HOORSARA EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

6.2 No Guarantee of Earnings or Uptime

Hoorsara makes no representation or warranty regarding: (a) any level of earnings, subscribers, or revenue that any Creator will achieve; (b) the availability of any payment method or gateway at any given time; or (c) uninterrupted Platform uptime, particularly in the event of scheduled maintenance, third-party infrastructure outages, or regulatory intervention.

6.3 Liability Caps

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOORSARA'S TOTAL AGGREGATE LIABILITY TO ANY USER FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL PLATFORM FEES PAID BY OR EARNED BY THAT USER IN THE 3 (THREE) CALENDAR MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) INR 10,000 (TEN THOUSAND RUPEES). IN NO EVENT SHALL HOORSARA BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

7.1 Governing Law

These Terms and all disputes arising out of them shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict-of-law provisions. Specific applicable statutes include but are not limited to the Indian Contract Act, 1872; the IT Act, 2000; the Consumer Protection Act, 2019; the Payment and Settlement Systems Act, 2007; and the Digital Personal Data Protection Act, 2023.

7.2 Jurisdiction

Subject to the mandatory arbitration clause, the parties irrevocably submit to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India (or Delhi, India, for regulatory or governmental proceedings).

7.3 Mandatory Arbitration

Any dispute or claim arising out of or relating to these Terms shall be finally settled by binding arbitration conducted under the Arbitration and Conciliation Act, 1996 before a sole arbitrator. The place of arbitration shall be Mumbai, Maharashtra, India, and the language shall be English. Consumer disputes below INR 1,00,000 shall be routed to the Consumer Disputes Redressal Commission.