Last Updated: March 10, 2026

IMPORTANT LEGAL NOTICE: This document constitutes an electronic record generated by a computer system and does not require any physical or digital signatures. It is published in accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Consumer Protection (E-Commerce) Rules, 2020, and the Digital Personal Data Protection Act (DPDPA), 2023.

THESE TERMS OF USE ARE ISSUED BY HELTHOFIT PRIVATE LIMITED AND ITS DIRECTLY AND INDIRECTLY HELD COMPANIES (HEREINAFTER "PAYBYCAL", "COMPANY", "WE", "US"). THEY APPLY TO ALL WEBSITES, BLOGS, MOBILE APPLICATIONS AND ONLINE PLATFORMS OWNED OR MANAGED BY PAYBYCAL UNDER WWW.PAYBYCAL.COM. By accessing the Paybycal Website/Mobile Application, you agree to be bound by these Terms of Use and applicable laws. If you do not agree, please do not proceed.

1. Definitions and Interpretation

For the purposes of these Terms:

  • "Platform" (formerly "App") refers collectively to the Paybycal mobile applications (available on iOS and Android), the website hosted at www.paybycal.com, all underlying backend infrastructure, proprietary target-generating algorithms, integrated APIs, and any future updates, upgrades, or patches developed and deployed by Helthofit Private Limited.
  • "Calcoin" refers to the proprietary, closed-loop, virtual loyalty and reward points generated exclusively within the Platform upon the verifiable completion of targeted health metrics. Legal Status: Calcoins hold absolute zero fiat value, are strictly non-transferable, cannot be encashed, and cannot be transferred to any bank account or third-party digital wallet. They do not constitute a "Prepaid Payment Instrument" (PPI) or legal tender under the Payment and Settlement Systems Act, 2007, or any directives issued by the Reserve Bank of India (RBI).
  • "Health Data" refers to all personal and sensitive biometric information processed by the Platform. This explicitly includes, but is not limited to, daily step counts, calorie intake, calorie burn, body weight, and hydration levels. It encompasses both data manually inputted by the User and telemetry accessed via authorized, opt-in third-party APIs (such as Apple HealthKit and Google Health Connect), governed strictly as "Personal Data" under the Digital Personal Data Protection Act (DPDPA), 2023.
  • "Marketplace" refers strictly to the "e-commerce marketplace entity" framework (as defined under the Consumer Protection (E-Commerce) Rules, 2020) operated within the Platform. It serves solely as a digital facilitator connecting independent third-party sellers with Users. Helthofit Private Limited holds no inventory, assumes no title to the goods, and operates strictly as an intermediary under Section 79 of the Information Technology Act, 2000.
  • "User" (or "You") refers to a natural person who is at least eighteen (18) years of age, possesses the legal capacity to enter into a binding contract under the Indian Contract Act, 1872, and accesses the Platform strictly in a personal, non-commercial capacity. This definition explicitly excludes corporate entities, automated bots, data scrapers, and proxy (benami) accounts.
  • "User-Generated Content" (UGC) encompasses all data, information, text, images, progress photos, social feed posts, leaderboard aliases, and reviews uploaded, published, or transmitted by a User on the Platform. UGC is hosted at the sole direction of the User; Paybycal exercises no editorial control over UGC prior to its publication, preserving its intermediary Safe Harbor immunity.
  • "Specialized Programs" refers to high-risk, targeted dietary or fitness regimens — including but not limited to the Water Fasting Program — which are hosted on the Platform but curated, guided, and conducted by independent, third-party instructors and wellness experts, for which the Platform assumes zero medical or operational liability.

2. Platform Eligibility, Registration, and SSO

2.1 Age and Capacity Restrictions

Access to the Paybycal ecosystem is strictly restricted. Only individuals above 18 years may participate. By creating an account, you represent and warrant that you are of legal age to form a binding contract under the Indian Contract Act, 1872. The system is not open to corporate entities; any corporate or institutional use without a separate enterprise agreement is a material breach.

2.2 Account Integrity and Prohibited Activities

Only one enrollment per individual is allowed. You are strictly prohibited from creating benami (proxy) accounts, operating multiple profiles, or utilizing automated scripts to mimic human activity. Users must not create fake accounts, collect user data without permission, use bots or scripts, or reverse engineer the platform.

2.3 Third-Party Single Sign-On (SSO)

Users may register utilizing third-party authenticators (e.g., Google Sign-In, Apple ID). By utilizing SSO, you authorize Paybycal to retrieve designated profile data. Paybycal assumes absolutely no liability for authentication failures, security breaches, or service downtimes originating from these third-party identity providers.

3. Data Privacy, API Integrations, and Cybersecurity Limitations

3.1 Third-Party Health Integrations

To calculate physical activity, Paybycal integrates with Apple HealthKit and Google Health Connect. This integration operates strictly on an opt-in basis, subject to your verifiable consent.

3.2 Reframed Strict Purpose Limitation & Security Disclaimer

To comply with global developer guidelines and build trust, Paybycal explicitly guarantees that we do not and will not intentionally monetize, sell, broker, or transfer your Health Data to third-party advertising networks or data brokers. Your data is processed solely to operate the App's core functionalities and calculate Calcoin.

HOWEVER, NO DIGITAL SYSTEM IS IMPENETRABLE. While Paybycal implements rigorous, industry-standard cryptographic and security measures to safeguard your Health Data, the internet remains inherently vulnerable. Paybycal expressly disclaims any and all liability for unauthorized access, data exfiltration, cyber-attacks, or zero-day exploits orchestrated by malicious third parties. By using this App, you acknowledge and accept that you transmit your personal and health data at your own calculated risk. The Company shall not be held liable for any damages — direct or indirect — arising from a cybersecurity breach that is not the direct result of our gross, documented negligence.

3.3 DPDPA 2023 Summary

Your data is governed by our Privacy Policy. Under the DPDPA 2023, Paybycal acts as a Data Fiduciary. You possess the right to access, correct, and withdraw your consent for data processing at any time. However, withdrawing consent for core Health Data processing will render the Calcoin reward ecosystem technically inoperable for your account.

4. The Calcoin Reward Ecosystem (Gamification Mechanics)

Paybycal provides a reward system for completing fitness targets set by users along with e-commerce functionality.

4.1 Earning Mechanics and Anti-Fraud Verification

Users may earn Calcoin by completing 8,000 steps, completing calorie intake targets, completing calorie burn targets, updating body weight, referring new users, and leaving app reviews. (Note: Calcoin for reviews is subject strictly to platform-agnostic, organic feedback mechanisms that do not violate App Store/Play Store anti-manipulation policies.)

Paybycal deploys algorithmic anomaly detection to prevent manipulation. Any artificial inflation of steps (e.g., attaching devices to mechanical objects) constitutes fraud. Misuse may result in termination of membership.

4.2 Legal Status of Calcoin

CALCOIN ARE NOT CURRENCY. Calcoin balances are non-transferable. They are proprietary reward points redeemable strictly for product discounts within the App. They cannot be transferred to bank accounts or exchanged for cash.

4.3 Company Discretion and Program Modification

The Company reserves the unilateral right to refuse participation, suspend the referral program at its discretion, and change usage conditions at any time. Terms may be amended without prior notice. No Calcoin will be credited if the account is deleted or in breach of policies.

5. E-Commerce Marketplace and Pass-Through Liability

5.1 Intermediary Aggregator Status

Paybycal operates an e-commerce marketplace. Products listed are subject to availability, and prices are in INR unless stated otherwise; delivery timelines are strictly indicative. We operate as an Intermediary under the IT Act, 2000.

5.2 Third-Party Seller Policies

Products redeemed with Calcoin follow seller policies. Paybycal does not manufacture or warehouse these products. The risk of loss transfers upon delivery.

5.3 Payments, Wallets, and Chargebacks

Payments are processed through secure payment gateways. Authorized refunds or chargebacks may be credited to the Paybycal wallet, subject to RBI regulations governing closed-loop instruments.

5.4 Facilitation of Third-Party Diagnostic and Pathology Services

As part of our holistic wellness ecosystem, Paybycal acts as a digital aggregator facilitating the booking of diagnostic blood tests and pathology services provided strictly by independent third-party laboratories (e.g., "Healthians" and other empaneled vendors).

  • Role as an Intermediary Facilitator: You explicitly acknowledge that Paybycal is merely a technology platform facilitating the booking process. Paybycal does not employ doctors, pathology lab experts, draw biological samples, conduct medical tests, or generate diagnostic reports. The actual provision of the pathology service is governed entirely by the terms, conditions, and privacy policies of the third-party diagnostic vendor.
  • Calcoin Redemption: Users may utilize accrued Calcoins to subsidize or redeem bookings for these third-party diagnostic services, subject to the current conversion rates and vendor availability at the time of booking. However, Paybycal reserves the right to discontinue the use of Calcoins for this or any other service availed through the Platform at any time without prior notice.
  • Explicit Consent for Data Access: To seamlessly optimize your fitness targets, algorithmic recommendations, and personalized wellness goals, you hereby provide your explicit, granular consent for Paybycal to receive, store, and process your final blood test and diagnostic reports directly from the third-party vendor when a booking is initiated through the Paybycal App. This clinical data will be processed strictly in accordance with our Privacy Policy and will never be brokered or sold to unauthorized third parties.
  • ABSOLUTE WAIVER OF DIAGNOSTIC LIABILITY (CAVEAT EMPTOR): PAYBYCAL ASSUMES ABSOLUTELY NO LIABILITY FOR THE ACCURACY, TIMELINESS, OR CLINICAL VALIDITY OF THE DIAGNOSTIC REPORTS. We do not warrant against false positives, false negatives, or laboratory errors. In the event of any discrepancy, variance, or contradiction between the blood test reports provided by our third-party vendor (e.g., Healthians) and reports generated by any other independent laboratory or medical professional, Paybycal shall be entirely indemnified and held harmless. Any disputes regarding clinical accuracy, sample contamination, or diagnostic delays must be taken up directly with the respective third-party laboratory. Paybycal's algorithmic recommendations based on these reports provide wellness guidance only and do not constitute medical diagnoses.

6. User-Generated Content (UGC) and Social Feed

6.1 Conduct of Users

Users may post content such as reviews or comments provided it is legal and not harmful, defamatory, or misleading. Spam, impersonation, harassment, or unlawful activities are prohibited. You must not upload viruses or malicious content, or violate laws or platform rules.

6.2 Platform Immunity (Section 79 Safe Harbor)

Paybycal provides a social feed for leaderboard updates. We are not the publishers of this UGC. We claim immunity from liability arising from offensive, defamatory, or IP-infringing content posted by users, provided we act expeditiously to remove such content upon receiving actual knowledge via a valid legal order or our Grievance mechanism.

7. Medical Disclaimers and Assumption of Risk (Critical)

7.1 General Wellness Non-Medical Guarantee

Participation in diet programs, workouts, or training schedules is voluntary and at your own risk. Paybycal makes no medical guarantees and recommends consulting a physician before beginning any health program.

7.2 Specialized Wellness Programs and Third-Party Instructors

To continually support and enrich your wellness journey, Paybycal acts as a digital intermediary platform connecting you with various specialized fitness and diet regimens, such as the Water Fasting Program. Please note that these specialized programs may be curated, guided, and conducted by independent, third-party instructors and wellness experts.

  • Our Role as a Platform: Because we solely provide the technological platform facilitating your access to these independent instructors, Paybycal does not inherit or assume any liability for the advice, outcomes, or physical effects arising from your participation in their specific regimens.
  • Prioritizing Your Health: We want you to thrive safely. Therefore, all participants must be 18+ and medically fit. The insights and routines shared within these programs provide educational guidance only and do not constitute professional medical advice.
  • Medical Clearances: We strongly care about your well-being, so we require that high-risk individuals should consult a doctor before fasting. This vital precaution includes diabetics, pregnant or breastfeeding individuals, those with eating disorders, individuals with chronic conditions, and individuals requiring regular nutrition intake. Ultimately, your participation is voluntary and at the user's own risk, so we encourage you to always listen to your body and your physician.

7.3 Limitation of Liability for Injury

Participation in fitness activities carries risk. Paybycal is not liable for injury, health issues, or damages including lost data or revenue. Participation is voluntary and at the user's own risk. (A separate, exhaustive Medical Waiver must be executed for active participation in specialized regimens.)

8. Intellectual Property and Licensing

8.1 Grant of Limited License

Subject to your strict compliance with these Terms, Paybycal grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to install and use the mobile application strictly for your personal, non-commercial purposes. This license does not constitute a sale of the application or any copy thereof, and we retain all right, title, and interest in and to the platform.

8.2 Copyright and Proprietary Content

All content, features, and functionality housed within the Paybycal ecosystem — including, but not limited to, proprietary target-generating algorithms, source code, dietary regimens, user interface (UI), user experience (UX) design, text, graphics, and compilations of data — are the exclusive property of Helthofit Private Limited. This content is fiercely protected under the Copyright Act, 1957, and applicable international copyright treaties. Users may not reproduce, scrape, reverse-engineer, modify, create derivative works from, or distribute Paybycal content without explicit, prior written permission from our legal department.

8.3 Trademark Protection

The names "Paybycal", "Helthofit", "Calcoin", and all related logos, product and service names, designs, wordmarks, and slogans are the registered and/or unregistered trademarks of the Company or its affiliates. You are strictly prohibited from utilizing these trademarks in any commercial capacity, in any meta-tags or hidden text, or in any manner that is likely to cause consumer confusion or dilute our brand equity, without our express, prior written consent.

8.4 Third-Party IP and External Links

The platform may contain links to external websites, third-party instructors, or marketplace vendors. Paybycal assumes no responsibility for the intellectual property compliance, content accuracy, or privacy practices of these external websites or services linked on the platform. Any use of third-party links is solely at your own risk.

9. Warranties and Representations

9.1 "As Is" and "As Available" Basis

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW IN INDIA, THE PAYBYCAL PLATFORM, MOBILE APPLICATION, CALCOIN REWARD ECOSYSTEM, AND ALL ASSOCIATED SERVICES AND CONTENT ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS. HELTHOFIT PRIVATE LIMITED EXPRESSLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

9.2 Accuracy of Health Metrics and Algorithmic Targets

You expressly acknowledge that the tracking of physical activities (such as step counts, calorie burn, and hydration levels) relies heavily on the internal sensors of your mobile device and third-party APIs (such as Apple HealthKit and Google Health Connect). Therefore, Paybycal does not warrant or guarantee the absolute accuracy, reliability, or completeness of any health metrics, algorithmic targets, or Calcoin calculations displayed on the App.

9.3 Platform Uptime and Cybersecurity

While we strive for technical excellence, we do not warrant that the platform will operate uninterrupted, be completely secure, or be 100% free of bugs, glitches, viruses, or other harmful components. Temporary service interruptions may occur due to maintenance, network failures, or third-party server outages.

9.4 Third-Party Goods, Services, and Instructors

Paybycal operates as an intermediary marketplace and platform. Consequently, we make no representations or warranties regarding the quality, safety, efficacy, or legality of any physical products purchased from third-party sellers via the Paybycal store, nor do we warrant the outcomes or safety of any specialized wellness regimens (such as the Water Fasting program) conducted by independent, third-party instructors. Any reliance on such third-party offerings is strictly at your own risk.

10. Governing Law, Dispute Resolution, and Mandatory Grievance Redressal

10.1 Governing Law and Exclusive Jurisdiction

These Terms, your use of the App, and any associated specialized regimens shall be governed by and construed strictly in accordance with the laws of India. Subject to the binding arbitration clause below, any legal suits, actions, or proceedings arising out of this agreement shall be instituted exclusively in the competent courts situated in Mumbai, Maharashtra, India. You hereby irrevocably consent to the exclusive jurisdiction and venue of such courts.

10.2 Dispute Resolution

To facilitate expedited resolution and control legal costs, any dispute, controversy, or claim arising out of or relating to your use of the Paybycal platform, the Calcoin ecosystem, or third-party regimens (such as the Water Fasting program) shall first be attempted to be resolved amicably through our Grievance Officer. If unresolved within thirty (30) days, the dispute shall be referred to and finally resolved by confidential, binding arbitration under the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted by a sole arbitrator appointed by Helthofit Private Limited. The seat and venue of the arbitration shall be Mumbai, Maharashtra, and the proceedings shall be conducted in English.

10.3 Consent to Electronic Communications

By registering on the platform, you expressly consent to receive communications, notices, and legal mandates from us electronically. We will communicate with you via email, SMS, push notifications, or by posting conspicuous notices on the App. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing, as recognized under Section 4 of the Information Technology Act, 2000.

10.4 Grievance Redressal

In strict compliance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Consumer Protection (E-Commerce) Rules, 2020, Paybycal has instituted a robust grievance redressal mechanism.

If you have any complaints regarding the platform, data privacy, user-generated content, e-commerce orders, or specialized wellness programs, please contact our designated Grievance / Nodal Officer:

Statutory Timelines: Our Grievance Officer shall acknowledge your complaint within twenty-four (24) hours of receipt and shall endeavor to resolve the grievance within fifteen (15) days. Complaints relating to the removal of explicit or non-consensual content shall be addressed on an expedited basis within twenty-four (24) hours.