Terms of Service

Effective: June 2026 · Version 2.0 · Tinystack Private Limited

These Terms of Service (“Terms”) constitute a binding legal agreement between you and Tinystack Private Limited (“ourlio”, “we”, “us”). By accessing or using any part of the Service, you accept these Terms in full. If you do not agree, you must immediately discontinue use of the Service.

These Terms apply to all users, including parents, healthcare professionals listed in the Doctor Directory (whether or not they have created an account), and any other visitor to the Service.

1. Definitions

In these Terms, unless the context requires otherwise:

• “Company”, “ourlio”, “we” or “us” means Tinystack Private Limited, incorporated under the Companies Act 2013, CIN U47912PN2026PTC255163, with its registered office in Pune, Maharashtra, India.
• “Service” means the ourlio mobile application available on Google Play Store and Apple App Store, the website at ourlio.com and all subdomains, and all related products, features, content, and tools.
• “User” or “you” means any person who accesses or uses any part of the Service.
• “Parent User” means a User who has created an account to track child or maternal health.
• “Doctor” means an individual holding current registration with the National Medical Commission of India, a State Medical Council, or other recognised statutory medical body in India.
• “Directory Listing” means a profile of a Healthcare Professional displayed on the ourlio Doctor Directory.
• “Connected Patient” means a Parent User who has linked their child’s account to a Doctor’s clinic using the Doctor’s unique clinic code.
• “Content” means all information, text, images, audio, video, data, and other materials available through the Service.
• “DPDP Act” means the Digital Personal Data Protection Act 2023 of India.
• “IT Act” means the Information Technology Act 2000 and rules made thereunder, including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules 2021.

2. Nature and Scope of the Service

2.1 What ourlio Is

ourlio is a technology platform that provides tools for parents to track child and maternal health, tools for healthcare professionals to manage clinical workflows, a directory of pediatricians in India, curated educational content, and a facility for parents and doctors to communicate where both have consented to such connection.

2.2 What ourlio Is Not

ourlio is NOT: a medical device under the Medical Devices Rules 2017; a healthcare service provider, hospital, clinic, or medical practice; a substitute for professional medical advice, diagnosis, or treatment; an emergency service; an insurer; or a party to any doctor-patient relationship formed through the Service.

2.3 Emergency Use Prohibition

The Service is not designed for medical emergencies. In any medical emergency, call 112, 102, or 108 or proceed immediately to the nearest hospital emergency department. ourlio shall have no liability whatsoever in respect of any User who uses the Service in lieu of appropriate emergency medical care.

3. Eligibility and Acceptance

You must be 18 years of age or older to use the Service. You must have the legal capacity to enter into binding contracts under the Indian Contract Act 1872. Doctor accounts require current and valid registration with the National Medical Commission of India or a State Medical Council, or other applicable medical regulatory authority. Suspended, revoked, or lapsed registrations disqualify the holder from maintaining a Doctor account.

Parent Users may track health information relating to children under their lawful care. By doing so, the Parent User represents that they are the parent or legal guardian and have all necessary authority. The Parent User shall indemnify ourlio against any claim arising from lack of such authority.

4. Account Creation, Security and Suspension

4.1 Account Information

You must provide accurate, current, and complete information when creating an account, and update it promptly when it changes. False or misleading information is a breach of these Terms and may result in immediate suspension or termination.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must not share your password, must notify us immediately at [email protected] of any unauthorised use, and must log out of shared devices.

4.3 Suspension and Termination by ourlio

ourlio reserves the right, in its sole discretion, with or without notice and with or without cause, to suspend, restrict, or terminate your access to the Service, remove User Content, or refuse new account registration. Without limiting the foregoing, ourlio shall be entitled to immediate suspension or termination upon: breach of these Terms; false or misleading registration; conduct exposing ourlio or other Users to risk; non-payment; direction from any authority; fraudulent or excessive use; lapse, suspension, or revocation of a Doctor’s medical council registration; or conduct that brings the Service into disrepute.

4.4 Termination by You

You may terminate your account at any time by emailing [email protected]. Termination shall be effective within seven business days. Termination does not entitle you to any refund except as expressly provided in the Refund Policy.

4.5 Effect of Termination

Upon termination, your right to access the Service ceases immediately. Provisions which by their nature should survive (including intellectual property, indemnification, limitation of liability, governing law) shall survive. ourlio may retain data as required by law.

5. Acceptable Use

You shall not, and shall not permit any third party to:

• Use the Service in violation of applicable law or to infringe third-party rights
• Upload Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, obscene, pornographic, pedophilic, libelous, hateful, racially or ethnically objectionable, disparaging, or otherwise objectionable
• Upload Content that infringes patent, trademark, copyright, trade secret, or other proprietary rights
• Upload Content containing viruses, worms, or malicious code
• Impersonate any person or entity, or misrepresent your qualifications, identity, or registration
• Upload Content containing false medical claims or content that could endanger health
• Upload Content that threatens the unity, integrity, defence, security, or sovereignty of India, or that incites cognisable offences
• Attempt unauthorised access to any part of the Service or to any User’s account
• Use any robot, spider, scraper, crawler, or automated means to access or collect data
• Reverse engineer, decompile, disassemble, or derive source code
• Use the Service for benchmarking, competitive analysis, or to develop a competing product
• Frame, hot-link, or deep-link any part of the Service without prior written consent
• Bypass any security feature or technical limitation

5.1 Additional Doctor Obligations

Doctors using the Service shall additionally: not rely on AI-generated content without professional review; comply with the Telemedicine Practice Guidelines 2020 and all applicable professional standards; not misrepresent qualifications or affiliations; not share or transfer their Doctor account; not prescribe medication through any communication channel unless permitted under applicable telemedicine regulations; and notify ourlio within seven days of any change in registration status.

5.2 Additional Parent Obligations

Parent Users shall not use the Service to seek emergency medical assistance; not provide health information about any individual other than themselves or a child in their lawful care; not use information from the Service as a substitute for professional medical advice; and not misuse communication channels to harass or send unsolicited promotional content.

6. The Doctor Directory

6.1 Purpose

The Doctor Directory is a public listing of pediatricians and maternal health specialists in India, maintained to help parents locate qualified healthcare professionals. Listing in the Directory does not constitute endorsement, recommendation, or guarantee.

6.2 Data Sources

Directory Listings are compiled from professional information that is in the public domain. ourlio collects only information published by Healthcare Professionals or their institutions for public professional identification; does not extract data in violation of any platform’s terms of service; does not use proprietary data from any third-party platform; does not access authenticated areas of any third-party platform without authorisation; and does not purchase or sell directory data.

6.3 What Is Displayed and Withheld

Displayed publicly: name, specialisation, qualifications, years of experience, clinic name, city and area, languages spoken, hospital affiliations, education, website (if any).

Held internally only: full address, phone number, email address, medical council registration number, internal verification status, outreach status. Medical council registration numbers are collected solely for internal verification of registration status and are never displayed publicly.

6.4 Healthcare Professional Rights

Any Healthcare Professional who appears, or believes they appear, in the Doctor Directory has the following rights, which ourlio shall honour:

• Right to Inspect: Request confirmation of what information ourlio holds. Response within 72 hours.
• Right to Correct: Request correction of inaccurate professional information. Effected within 72 hours.
• Right to Remove: At any time, for any reason, request removal of your Directory Listing by emailing [email protected] with subject “DIRECTORY REMOVAL REQUEST”. ourlio shall verify identity within 24 hours, remove the public-facing listing within 72 hours, delete all internally held information (save where retention is required by law), and confirm removal in writing.
• Right to Claim: Create a Doctor account on the Service to claim your listing, enrich it with additional information (photograph, biography, fees, hours), and take full control.

6.5 Invitation to Join

Where a Healthcare Professional has not claimed their Directory Listing, ourlio may send an invitation to join the Service. Such invitations shall be sent only to professional contact details in the public domain, shall clearly identify ourlio as sender, shall contain a clear option to opt out and request removal, shall be limited to no more than three communications to any non-responding Healthcare Professional, and shall cease entirely upon request.

6.6 Search Ranking

ourlio employs a proprietary, automated algorithm to determine search result order. The algorithm considers factors including geographic proximity, specialisation match, availability, claimed listing status, and feedback from Connected Patients. ourlio does not accept payment to influence search ranking. The algorithm may be modified at any time. No warranty is given as to ranking position. ourlio shall not be liable for any commercial impact arising from algorithmic changes.

7. Connected Care, Communications and Async Messaging

7.1 Clinic Code Connection

A Parent User may connect to a Doctor by entering the Doctor’s unique clinic code. Such connection enables the Doctor to view the Parent User’s health tracking data, with the explicit consent of the Parent User. Either party may terminate connection at any time, after which the Doctor loses access to new data, but existing records remain in the Doctor’s clinical files as required by applicable law. Where the Doctor’s clinic has a designated Clinic Administrator, that Administrator may also access health tracking data for all patients connected to any Doctor at that clinic, for clinical oversight purposes.

7.2 In-App Messaging

The Service enables direct messaging between Doctors and Connected Patients. ourlio is not a party to such communications and does not monitor, review, or moderate them except as required by law. Messages are stored in encrypted form in India and may be retained in accordance with applicable medical record retention laws.

7.3 Async Messaging Service

The Service may offer asynchronous messaging between Parent Users and Doctors, with the following terms: a Doctor may set their own fee per query within permitted ranges; a Parent User may send a query and pay the fee, which is held by ourlio pending response; where the connected Doctor does not respond within the time window, the query may be routed to other Doctors who have opted into the message pool; if no Doctor responds within the maximum response window, no payment is taken and the Parent User receives in-Service credit in lieu of refund; ourlio retains a platform fee on each transaction.

Async messaging is not a substitute for emergency care or clinical consultation. Doctors providing async responses are not establishing a formal doctor-patient relationship through such response.

7.4 No Doctor-Patient Relationship

Communications through the Service do not establish a formal doctor-patient relationship. Such a relationship is established only when a Doctor expressly accepts a patient into their care in accordance with applicable medical ethics and telemedicine regulations.

7.5 Walk-in Registration

A Parent User may also be connected to a Doctor’s clinic through a walk-in registration completed by clinic reception staff, using information provided at the time of registration. Such registration is subject to the Doctor’s clinic obtaining the Parent User’s consent to the connection at the earliest opportunity.

8. Artificial Intelligence and Clinical Content

8.1 AI as a Tool

The Service incorporates artificial intelligence to assist Doctors with documentation, transcription, and clinical summaries, and to assist Parent Users with general health information. All AI-generated content is provided as a productivity tool only and must not be relied upon without independent professional review.

8.2 Doctor Responsibility

Any Doctor using AI-generated content (including SOAP notes, clinical briefs, drug references, transcriptions, treatment suggestions) is solely responsible for: reviewing the content for accuracy and clinical appropriateness; editing as necessary; verifying any drug name, dosage, frequency, route, or interaction before prescribing; and all clinical decisions made on the basis of AI-generated content. ourlio shall have no liability for clinical outcomes arising from a Doctor’s use of AI-generated content.

8.3 Parent Use of AI

Parent Users may interact with AI features for general health information and educational purposes only. AI-generated responses are not medical advice. Parent Users must consult a qualified healthcare professional before making any health decision based on AI-generated information.

8.4 Editorial Content

Articles, guides, recipes, and other editorial content are provided for general informational and educational purposes only. They are not a substitute for professional medical, nutritional, or developmental advice.

9. Intellectual Property

9.1 ourlio’s Property

The Service, including its software, source code, algorithms, designs, user interfaces, trademarks, logos, branding, names, content created by ourlio, and the arrangement of all the foregoing, are the sole and exclusive property of ourlio and are protected by copyright, trademark, patent, and other intellectual property laws.

9.2 Limited Licence

Subject to your compliance with these Terms, ourlio grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your personal or professional use as contemplated by these Terms.

9.3 User Content

You retain ownership of User Content you submit. By submitting User Content, you grant ourlio a perpetual, worldwide, royalty-free, non-exclusive, sublicensable licence to use, host, store, reproduce, modify, adapt, translate, publish, and display such Content solely to the extent necessary to provide and improve the Service.

You represent and warrant that you own or have all necessary rights to submit the User Content, it does not infringe third-party rights, and it complies with these Terms and applicable law. You shall indemnify ourlio against any claim arising from your User Content.

9.4 Feedback

Any feedback, suggestion, idea, or recommendation you provide concerning the Service may be used by ourlio without restriction, attribution, or compensation. You assign to ourlio all rights in such feedback.

9.5 Patient Stories and Reviews

A Parent User who is a Connected Patient of a Doctor may submit a star rating and short written feedback (“Patient Story”) in respect of that Doctor. Patient Stories are subject to the following:

• Only Connected Patients with a recorded clinical interaction may submit a Patient Story
• Patient Stories must be truthful, factual, and based on personal experience
• Each Connected Patient may submit one Patient Story per Doctor per 90-day period
• ourlio acts as an intermediary in relation to Patient Stories under Section 79 of the IT Act
• ourlio may remove Patient Stories that violate these Terms or applicable law
• ourlio does not remove negative Patient Stories solely because they are negative; removal requires demonstration of factual inaccuracy, fraudulent connection, or violation of these Terms
• Disputes regarding Patient Stories shall be reviewed within seven business days; ourlio’s decision shall be final
• A Doctor who solicits, incentivises, or attempts to manipulate Patient Stories shall be in breach of these Terms

10. Subscriptions, Fees and Payment

10.1 Subscription Plans

ourlio offers various Subscription plans for Parent Users and Doctors. Features, limitations, prices, and terms are displayed within the Service and may be modified by ourlio. Material changes to existing Subscriptions shall be notified with not less than 30 days written notice.

10.2 Billing

Subscription fees are billed in advance on a monthly or annual basis as selected. ourlio uses third-party payment processors. ourlio does not store payment card details.

10.3 Coupons and Discounts

ourlio may offer coupons, promotional codes, or discounts subject to terms displayed at redemption. Offers are limited in time, quantity, or by other conditions; cannot be combined unless stated; have no cash value; cannot be transferred; may be revoked or modified before redemption; and fraudulent use voids them.

10.4 Trials

ourlio may offer free trial periods. Trials automatically convert to paid Subscriptions at the end of the trial period unless cancelled before the trial ends.

10.5 Refunds

Refund terms are set out in the Refund Policy, which forms part of these Terms by reference.

10.6 Late Payment

Where payment fails or is not received by the due date, ourlio may suspend access to paid features; terminate the Subscription if payment is not received within 14 days of due date; charge interest on overdue amounts at 1.5% per month; and recover all reasonable costs of recovery.

10.7 Taxes

All fees are exclusive of applicable taxes including Goods and Services Tax, which shall be added at the prevailing rate. Where a User is required to deduct tax at source, the User shall gross up the payment so that ourlio receives the full amount payable.

10.8 Revenue Share for Doctor Plans

Where a Doctor on a revenue-share Subscription plan (“Care Partner”) creates custom clinic plans for sale to their Connected Patients:

• ourlio retains a percentage of the transaction value as a platform fee, as displayed at the time of plan creation
• The remainder is remitted to the Doctor via ourlio’s payment processor
• ourlio makes no representation as to the volume of sales any Doctor will achieve
• The Doctor is solely responsible for delivery of services promised under their clinic plans
• ourlio may withhold or reverse disputed amounts pending resolution
• ourlio may decline to publish any clinic plan considered misleading, unethical, or inconsistent with applicable law

11. Limitation of Liability

11.1 No Warranties

The Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, ourlio disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, security, or availability.

11.2 No Liability For

ourlio shall not be liable for:

• Any clinical outcome arising from a doctor-patient relationship facilitated through the Service
• The quality, safety, efficacy, or appropriateness of any healthcare service provided by any Doctor
• Any act, omission, error, or misconduct of any Doctor, including medical negligence
• Any inaccuracy in Directory Listing information, beyond the obligation to correct on notice
• Any change in a Doctor’s registration status occurring after the Directory Listing date
• Any interaction, communication, or transaction between Users
• Any User’s reliance on AI-generated or editorial content
• Any unavailability, interruption, error, or failure of the Service
• Loss or corruption of data, unless caused by ourlio’s wilful misconduct
• Any matter outside ourlio’s reasonable control, including force majeure events
• Any third-party platform, service, or content accessed through the Service
• Any payment processing failure attributable to a third-party payment processor
• Loss of business, revenue, profit, goodwill, opportunity, or reputation
• Indirect, incidental, consequential, special, exemplary, or punitive damages

11.3 Aggregate Cap

Notwithstanding anything else in these Terms, the total aggregate liability of ourlio to any User, in respect of all claims arising from or relating to the Service or these Terms, whether in contract, tort (including negligence), statute, equity, or otherwise, shall not in any circumstances exceed the amount paid by that User to ourlio in the 12 months preceding the event giving rise to the claim, or Rupees Two Thousand (₹2,000), whichever is less.

11.4 Statutory Rights

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded under applicable law, including liability for death or personal injury caused by gross negligence, fraud, or wilful misconduct.

12. Indemnification

You agree to indemnify, defend, and hold harmless ourlio, its directors, officers, employees, agents, contractors, and affiliates from and against any claims, demands, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of the Service; your User Content; your breach of these Terms; your violation of any applicable law or third-party right; any clinical care you (if a Doctor) provide; any misrepresentation by you; and any claim by a third party arising from your acts or omissions.

13. Intermediary Status

ourlio is an “intermediary” within the meaning of Section 2(1)(w) of the IT Act in respect of all User Content. ourlio does not initiate, select the receiver of, or modify the information contained in User Content; does not endorse or assume responsibility for User Content; acts in accordance with Section 79 of the IT Act and the IG Rules; and shall act on actual knowledge of unlawful information within prescribed timeframes.

14. Grievance Redressal

In accordance with the DPDP Act, the IT Act, and the IG Rules, ourlio has appointed a Grievance Officer.

Grievance Officer:
Vijay Belgaumkar, Co-founder
Tinystack Private Limited
Pune, Maharashtra, India
Email: [email protected]

The Grievance Officer shall acknowledge receipt of a grievance within 24 hours and resolve it within 15 days of receipt, or such other timeframe as may be prescribed by applicable law.

15. Third-Party Services

The Service may interoperate with or link to services provided by third parties. ourlio provides such interoperability for convenience only; does not endorse and is not responsible for any third-party service; is not party to any agreement between you and any third-party service provider; and shall not be liable for any act, omission, or content of any third-party service.

16. Force Majeure

Neither party shall be liable for any failure or delay in performance (other than payment obligations) caused by events beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, civil unrest, governmental action, change in law, labour disputes, failure of telecommunications networks, internet outage, power failure, or cyber attack.

17. Changes

ourlio may modify, suspend, or discontinue any part of the Service at any time, with or without notice. ourlio may amend these Terms at any time and shall notify Users of material changes by posting an updated version and notifying affected Users by email or in-app notification not less than 30 days before changes take effect. Your continued use after the effective date constitutes acceptance.

18. General

Entire Agreement: These Terms, together with the Privacy Policy, Refund Policy, and any other policies incorporated by reference, constitute the entire agreement.

Severability: If any provision is held invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, struck from these Terms. The remaining provisions continue in full force.

Waiver: No failure or delay in exercising any right shall operate as a waiver. Any waiver must be in writing and signed by ourlio.

Assignment: You may not assign your rights or obligations without ourlio’s prior written consent. ourlio may assign these Terms freely, including to any successor, affiliate, or acquirer.

Survival: Provisions which by their nature should survive termination (including IP, indemnification, limitation of liability, governing law) shall survive.

No Partnership: Nothing creates any partnership, joint venture, employment, agency, or franchise relationship.

Electronic Acceptance: Acceptance by clicking “I accept”, creating an account, or otherwise using the Service has the same legal effect as a handwritten signature under the IT Act 2000.

19. Governing Law and Dispute Resolution

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

Any dispute, claim, or controversy arising from or relating to these Terms, the Service, or the relationship between you and ourlio shall be resolved as follows:

1. Negotiation: Good-faith negotiation for 30 days from written notice of dispute.
2. Mediation: If unresolved, mediation conducted by a sole mediator in Pune, in English.
3. Arbitration: If unresolved within 30 days of mediation commencement, arbitration under the Arbitration and Conciliation Act 1996. Sole arbitrator appointed by ourlio. Seat and venue Pune. Language English. Award final and binding.

Subject to the above, the courts at Pune, Maharashtra shall have exclusive jurisdiction. ourlio shall be entitled to seek injunctive relief from any competent court to protect its intellectual property, confidential information, or to prevent unauthorised use of the Service, without first complying with the negotiation, mediation, or arbitration provisions.

20. Contact

Tinystack Private Limited
Pune, Maharashtra, India
CIN: U47912PN2026PTC255163
DPIIT Recognised Startup
Email: [email protected]

Version 2.0 · Effective June 2026 · Approved by the Board of Directors of Tinystack Private Limited