Terms of Service & SaaS Agreement

• "Platform" or "We" refers to the developers, operators, and corporate entities providing multi-tenant SaaS infrastructure for Registered Non-Profit Organisations (RNPOs).
• "Organization" refers to religious Mandals, Temple Trusts, Societies, Samitis, Ashrams, Gaushalas, or community groups.
• "Devotee" refers to any donor or end-user who contributes funds, purchases entry passes, or interacts with an Organization's digital portal or POS terminals.
• "Volunteer" / "Admin" / "Org Owner" refers to hierarchical access roles within the Organization's tenant framework.
• Tier 0: unregistered / seasonal entities collecting via direct P2P UPI or cash. Tier 1: registered trusts with valid PAN, govt registration, and tax exemption credentials.

By registering an Organization, logging in via Mobile PIN or Biometrics, or deploying a public donation portal, you agree to be bound by these Terms. If registering on behalf of a Trust or Mandal, you warrant you are an authorized trustee or legal signatory with express authority to bind the entity.

The Platform operates strictly as a multi-tenant software-as-a-service and technology infrastructure provider. The Platform is not a bank, payment aggregator, or financial institution. All monetary transactions are processed directly through authorized third-party payment gateways (e.g., Razorpay) or via direct P2P UPI transfers between Devotee and Organization. We do not hold, escrow, or manage institutional funds.

• Tier 0 Organizations acknowledge collecting public funds without formal NGO tax registration or institutional current account.
• Direct P2P UPI Indemnification: The Platform bears zero liability for funds misdirected due to typos, unauthorized UPI linkage, or personal-account freezes.
• Tier 1 Organizations must maintain valid statutory registrations. Payouts are managed via Razorpay Linked Accounts; 100% of net donations are routed to the Organization's verified bank account.

The Platform provides automated data structuring, dynamic PAN validation, and exportable ledgers mapped to Section 354 (formerly 80G), Section 332 (formerly 12A), and Form 113 (formerly Form 10BD). The Organization remains solely responsible for statutory tax filings, accurate record-keeping, and regulatory submissions. The Platform does not provide legal, tax, or accounting advice.

• PII (PAN, addresses, encrypted phones via pgcrypto) is protected at rest.
• Selfies for ticketing are stored in private Supabase Storage (devotee_photos), used exclusively for real-time gate verification, and never commercialized.
• Data Minimization on Tier Downgrade: transitioning TIER_1 → TIER_0 nullifies historical PAN/address fields while preserving aggregate financial metrics for the 7-year audit window.

• Maker-Checker Expense Protocol: outlays logged by Admins require explicit Owner approval; self-approval is structurally barred.
• Cash Reconciliation & Shift Handovers: mandatory Blind Count. Organization assumes full legal and physical liability for cash box security.
• Master Kill-Switch: Owner/Admin may immediately deactivate any user (is_active = false), revoking privileges instantly.

For /sponsorships transactions, the Platform is the principal B2B invoicing entity. 18% GST is auto-appended to negotiated base fees. Corporate sponsors claim ITC via Document A; Mandal net share is routed via Razorpay Route split logic.

All source code, database architectures, PWA frameworks, and UI components are the exclusive IP of Project Divine. Stage 2 Premium White-Label licenses grant a non-exclusive, non-transferable right to use custom domains while pointing to core Platform infrastructure.

• Cumulative liability is limited to subscription fees paid in the preceding 12 months, or ₹10,000 INR, whichever is lower.
• The Organization agrees to indemnify the Platform from claims, regulatory penalties, tax audits, third-party disputes, or legal liabilities arising from misuse, misrepresentation of trust status, or mishandling of public funds.

The Platform may suspend or terminate accounts (is_suspended = true) immediately without notice for suspected fraud, money laundering risks, or breach. Post-expiration, Organizations retain perpetual read-only access to /expenses, /history, and /compliance-export for CA audit retrieval.

These Terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of the competent courts located in Pune, Maharashtra, India.