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Terms and Conditions

Last Updated: May 2026

Welcome to Talkey, operated by ArthaIQ ("Company", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of the Talkey mobile application, website, and related services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Service.

1. Eligibility

You must be at least 13 years of age to use Talkey.

By using the Service, you represent and warrant that:

  • You meet the minimum age requirement.
  • You have the legal capacity to enter into a binding agreement.
  • All information you provide is accurate and complete.

2. Account Registration

Certain features of the Service may require account registration.

When creating an account:

  • You must provide accurate and current information.
  • Mobile number verification through OTP may be required.
  • You are responsible for maintaining the confidentiality of your account.
  • You are responsible for all activities conducted through your account.

You must immediately notify us of any unauthorized use of your account.

3. Subscription and Payments

Talkey offers subscription-based access to premium features and content.

Subscription Terms

  • Subscription fees are displayed before purchase.
  • Payments may be processed through UPI, debit cards, credit cards, net banking, app stores, or other supported payment methods.
  • Some subscription plans may automatically renew unless cancelled.

AutoPay Authorization

By enabling AutoPay or subscribing to a recurring plan, you authorize us and our payment partners to charge the selected payment method at the applicable renewal date.

Cancellation

You may cancel your subscription at any time through:

  • The Talkey application;
  • Your UPI AutoPay settings;
  • Google Play Store or Apple App Store subscription settings (where applicable).

Cancellation prevents future renewals but does not refund amounts already paid.

4. Refund Policy

Refunds are governed by our separate Refund Policy.

Unless otherwise required by applicable law:

  • Subscription fees are non-refundable.
  • Partial usage periods are not eligible for refunds.
  • Promotional and discounted purchases are non-refundable.

5. Acceptable Use

You agree not to:

  • Use the Service for unlawful purposes.
  • Attempt to gain unauthorized access to our systems.
  • Reverse engineer, decompile, or modify the application.
  • Upload malicious software or harmful code.
  • Interfere with the operation or security of the Service.
  • Impersonate another individual or entity.
  • Use automated tools to scrape or collect data from the platform.

Violation of these Terms may result in suspension or termination of your account.

6. AI-Powered Features

Talkey may provide AI-powered services including:

  • Spiritual guidance
  • Voice interactions
  • Reading assistance
  • Learning support
  • Personalized recommendations

These features are provided for informational and educational purposes only.

AI-generated responses:

  • May not always be accurate, complete, or suitable for every situation.
  • Should not be considered professional, legal, financial, medical, or religious advice.
  • Should be independently verified where appropriate.

We are not responsible for decisions made based on AI-generated content.

7. User Content

You retain ownership of content submitted by you through the Service.

By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to:

  • Store
  • Process
  • Display
  • Use

such content solely for providing and improving the Service.

You are responsible for ensuring that your content does not violate any law or third-party rights.

8. Intellectual Property

All intellectual property rights related to Talkey, including:

  • Software
  • Source code
  • Design elements
  • Logos
  • Trademarks
  • Graphics
  • Content

are owned by ArthaIQ or its licensors.

You may not:

  • Copy
  • Modify
  • Reproduce
  • Distribute
  • Sell
  • License

any part of the Service without prior written permission.

9. Privacy

Your use of Talkey is also governed by our Privacy Policy.

By using the Service, you consent to the collection and use of information as described in the Privacy Policy.

10. Service Availability

We strive to provide uninterrupted access to the Service; however, we do not guarantee that:

  • The Service will always be available.
  • The Service will be error-free.
  • The Service will be free from interruptions or delays.

Maintenance, upgrades, outages, or circumstances beyond our control may affect availability.

11. Suspension and Termination

We reserve the right to:

  • Suspend accounts;
  • Restrict access;
  • Terminate services;

at our sole discretion if we believe a user has violated these Terms or applicable laws.

You may stop using the Service and delete your account at any time.

12. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

To the maximum extent permitted by law, we disclaim all warranties, including:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy of information

We do not guarantee specific outcomes from using the Service.

13. Limitation of Liability

To the fullest extent permitted by law, ArthaIQ shall not be liable for:

  • Indirect damages
  • Incidental damages
  • Consequential damages
  • Loss of profits
  • Loss of data
  • Business interruption

arising from your use of the Service.

Our total liability shall not exceed the amount paid by you to Talkey during the twelve (12) months preceding the claim.

14. Changes to These Terms

We may modify these Terms from time to time.

Material changes may be communicated through:

  • In-app notifications;
  • Email notifications;
  • Website announcements.

Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Indore, Madhya Pradesh, India.

16. Contact Information

ArthaIQ 190 First Floor, Near Bazar On Dwaar Indore, Madhya Pradesh, 452012

Email: support@talkkey.app Phone: +91 78286 66424 Website: https://talkkey.app