Terms & Conditions

1. Definitions

• "Platform" means the YVITY website, mobile-optimised web app, and all associated API services.
• "Advisor" means an IRDAI-registered insurance advisor who creates a profile on YVITY.
• "Client" / "Visitor" means any individual who visits an Advisor's public profile on YVITY.
• "YVITY Score" means the credibility metric computed by the Platform based on profile completeness, verification status, activity, and peer recommendations.
• "Membership Plan" means a paid subscription (Silver or Gold) that unlocks additional Platform features.
• "Content" means any information, text, images, documents, or materials uploaded or generated by you on the Platform.

2. Eligibility

To use YVITY as an Advisor, you must:

• Be at least 18 years of age.
• Be a licensed insurance advisor registered with the Insurance Regulatory and Development Authority of India (IRDAI), or be an employee / agent of an IRDAI-registered entity.
• Provide accurate and truthful information during registration and profile setup.
• Have the legal authority to enter into this agreement.

YVITY reserves the right to verify your credentials and reject or revoke access if eligibility requirements are not met.

3. Account Registration and Security

• You must register using a valid Indian mobile number and/or email address. Authentication is via OTP only — YVITY does not store passwords.
• You are responsible for maintaining the confidentiality of OTP codes. Do not share OTPs with anyone — YVITY staff will never ask for your OTP.
• You must notify us immediately at support@yvity.com if you suspect unauthorised access to your account.
• One account per individual. Creating duplicate accounts is prohibited and may result in immediate suspension.

4. Advisor Profile and Content

4.1 Accuracy of Information

You warrant that all information you provide — including your name, credentials, IRDAI licence number, years of experience, qualifications, services, and testimonials — is accurate, complete, and not misleading. Providing false information is a serious violation and may result in immediate account termination and reporting to IRDAI.

4.2 Profile Verification

YVITY manually reviews profiles and verification documents before approving a public profile. Approval is at YVITY's sole discretion. An unapproved profile is not visible to the public. YVITY may request additional documentation at any time.

4.3 Content Ownership and License

You retain ownership of Content you upload. By uploading Content, you grant YVITY a non-exclusive, royalty-free, worldwide licence to display, reproduce, and distribute that Content solely for the purpose of operating and promoting the Platform (e.g., featuring your profile in search results or marketing materials).

You may withdraw this licence at any time by removing the relevant Content or deleting your account.

4.4 Prohibited Content

You must not upload or share Content that:

• Is false, misleading, or fraudulent.
• Infringes on intellectual property rights of any third party.
• Contains defamatory, discriminatory, or obscene material.
• Violates IRDAI advertising or solicitation guidelines.
• Includes unsolicited promotional material or spam.
• Promotes competing platforms or services deceptively.

5. YVITY Score

The YVITY Score is a proprietary credibility metric computed by the Platform. It reflects factors including:

• Profile completeness (photo, bio, services, career details).
• Profile verification and IRDAI certificate upload.
• Number and quality of verified peer recommendations.
• Platform engagement and login activity.
• Membership plan tier.

The Score is indicative only and does not constitute a financial assessment, endorsement, or guarantee of an Advisor's competence. YVITY reserves the right to modify the Score methodology at any time.

6. Membership Plans

6.1 Plan Tiers

YVITY offers free and paid membership tiers. Paid plans (Silver, Gold) unlock additional features such as higher content limits, intro video upload, advanced profile customisation, and priority visibility. Plan features are subject to change with reasonable notice.

6.2 Payment

• All payments are processed in Indian Rupees (INR) via Razorpay, a PCI-DSS compliant payment gateway.
• By completing a payment, you authorise YVITY to charge the applicable membership fee.
• Prices are inclusive of applicable GST unless stated otherwise.
• Invoices are delivered to your registered email and WhatsApp after successful payment.

6.3 Refund Policy

Membership fees are non-refundable except in the following circumstances:

• Technical failure: If a payment is debited but the plan is not activated due to a verified technical error on YVITY's side, a full refund will be issued within 7 business days.
• Account rejection: If YVITY rejects your profile during verification after payment (e.g., ineligibility), a pro-rata refund for unused days may be provided at YVITY's discretion.

Refund requests must be made within 7 days of the payment date to support@yvity.com.

6.4 Subscription Renewal and Expiry

Membership plans are not auto-renewed. You will receive a reminder notification before your plan expires. On expiry, your account reverts to the free tier; your profile and data are retained but paid features are disabled.

7. IRDAI Compliance

YVITY is a profile and credibility platform — it is not a licensed insurance broker, distributor, or aggregator. YVITY does not solicit, sell, or distribute insurance products on behalf of any Advisor or insurer.

Advisors are solely responsible for ensuring their conduct on and through the Platform complies with IRDAI regulations, including guidelines on advertising, client solicitation, and disclosure requirements. YVITY is not liable for any IRDAI regulatory action arising from an Advisor's conduct.

8. Prohibited Conduct

You must not:

• Attempt to reverse-engineer, scrape, or extract data from the Platform.
• Use bots, crawlers, or automation to access or interact with the Platform.
• Impersonate another advisor, person, or entity.
• Submit fake testimonials, reviews, or peer recommendations.
• Attempt to manipulate your YVITY Score through inauthentic activity.
• Engage in any activity that disrupts or degrades Platform performance.
• Use the Platform for any purpose prohibited by Indian law.

9. Intellectual Property

All Platform software, design, trademarks, logos, and proprietary content (excluding User Content) are the intellectual property of YVITY and are protected under applicable Indian IP law. You may not copy, reproduce, distribute, or create derivative works from Platform IP without explicit written permission.

"YVITY", the YVITY logo, and "Credibility that Connects" are trademarks of YVITY. Unauthorised use is prohibited.

10. Disclaimers and Limitation of Liability

• No endorsement: YVITY does not endorse, recommend, or guarantee any Advisor listed on the Platform. Clients should independently verify an Advisor's credentials before transacting.
• No financial advice: Nothing on YVITY constitutes financial, insurance, or investment advice.
• Service availability: YVITY is provided "as is". We aim for high availability but do not guarantee uninterrupted access.
• Limitation of liability: To the maximum extent permitted by Indian law, YVITY's total liability for any claim arising from use of the Platform is limited to the amount paid by you in the 12 months preceding the claim. YVITY is not liable for indirect, incidental, or consequential damages.

11. Indemnification

You agree to indemnify and hold harmless YVITY, its officers, employees, and affiliates from any claims, losses, liabilities, damages, and expenses (including legal fees) arising from: (a) your use of the Platform; (b) your Content; (c) your violation of these Terms; or (d) your violation of applicable law including IRDAI regulations.

12. Suspension and Termination

• YVITY may suspend or terminate your account at any time for violation of these Terms, provision of false information, or conduct that harms the Platform or its users.
• You may delete your account at any time through Platform settings or by requesting deletion at support@yvity.com.
• On termination, your public profile is immediately unpublished. Personal data is deleted per our Privacy Policy retention schedule.
• Paid membership fees are non-refundable on termination for Terms violation.

13. Modifications to the Platform and Terms

YVITY may modify features, pricing, or these Terms at any time. For material changes, we will provide at least 14 days' notice via email or Platform notification. Continued use after the notice period constitutes acceptance. If you disagree with changes, you may delete your account before the effective date.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of courts in India. YVITY encourages resolution of disputes first through our support team at support@yvity.com before initiating formal proceedings.

15. Grievance Redressal

In compliance with the IT Act, 2000 and DPDP Act, 2023, our Grievance Officer can be contacted at:

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and YVITY with respect to the Platform and supersede all prior agreements, representations, or understandings. If any provision is found unenforceable, the remaining provisions remain in full effect.

17. Contact

For questions about these Terms, contact us: