Terms & Conditions

FISTT operates solely as a technology platform that enables Clients and independent Experts to connect, communicate, and participate in consultations through the Platform. FISTT does not provide professional services and does not itself offer legal, medical, financial, educational, psychological, engineering, career, wellness, or other professional advice.

Any information, recommendations, opinions, guidance, or services provided during a Session are provided exclusively by the respective Expert and do not represent the views, opinions, endorsements, or recommendations of FISTT. FISTT does not supervise, control, guarantee, verify, or assume responsibility for the accuracy, completeness, reliability, legality, or suitability of any advice or services provided by an Expert.

Experts provide services through the Platform in their individual capacity as independent contractors. Nothing in these Terms shall be construed as creating an employment relationship, agency relationship, partnership, joint venture, representative relationship, or fiduciary relationship between FISTT and any Expert.

Users are solely responsible for evaluating the qualifications, credentials, and suitability of any Expert and for determining whether to rely upon any information, advice, or recommendations received through the Platform. Any actions taken based on information obtained through a Session are undertaken solely at the User’s own discretion and risk.

In these Terms & Conditions, unless the context otherwise requires, the following terms shall have the meanings assigned to them below:

• “Agreement” means these Terms & Conditions, together with any policies, guidelines, or documents incorporated by reference, as amended from time to time.
• “Application” means the FISTT mobile applications made available on supported mobile platforms, including iOS and Android.
• “Client” means a registered User who uses the Platform to seek consultations, information, guidance, advice, or other services from Experts.
• “Companion Web App” means the web-based application made available by FISTT that enables Users to participate in Sessions through a supported web browser.
• “Content” means any text, messages, audio, video, images, files, documents, ratings, reviews, comments, or other material submitted, uploaded, transmitted, displayed, or otherwise made available through the Platform.
• “Expert” means a registered User who has successfully completed FISTT’s verification process and offers consultation services through the Platform in their individual capacity as an independent contractor.
• “FISTT”, “Company”, “we”, “us”, or “our” means Fistt Private Limited, the entity operating the Platform under the trade name FISTT.
• “Platform” means the FISTT mobile applications, Companion Web App, website, and all related technology, services, and features made available by FISTT.
• “Privacy Policy” means FISTT’s Privacy Policy, as amended from time to time, which is incorporated into and forms part of these Terms.
• “Service Fee” means any commission, platform fee, processing fee, or other fee charged by FISTT in connection with the use of the Platform.
• “Session” means any consultation, communication, interaction, or engagement conducted between a Client and an Expert through the Platform, whether by video, audio, text chat, or any other supported communication method.
• “Session Code” means the unique code generated by the Platform that enables a User to join or access a Session through the Companion Web App.
• “User” means any individual who accesses, browses, registers for, or otherwise uses the Platform, including Clients, Experts, and visitors.
• “Wallet” means the digital credit balance, prepaid balance, or stored-value facility made available within the Platform that may be used for eligible transactions.

By downloading, installing, registering for, accessing, or otherwise using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, our Privacy Policy, and any other policies, guidelines, or documents incorporated herein by reference.

These Terms constitute a legally binding agreement between you and FISTT governing your access to and use of the Platform and its Services. If you are accessing or using the Platform on behalf of a company, organisation, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, in which case references to “you” shall include that entity.

Your continued access to or use of the Platform following any modification, update, or revision to these Terms constitutes your acceptance of the revised Terms. If you do not agree to these Terms or any future amendments, you must immediately discontinue your use of the Platform and, where applicable, cease accessing your account.

If you do not agree to these Terms, you are not authorised to access or use the Platform.

FISTT operates a technology-enabled platform and online intermediary that facilitates connections between independent Experts and Clients seeking information, guidance, consultations, and professional insights. FISTT is an “intermediary” as defined under Section 2(1)(w) of the Information Technology Act, 2000 (“IT Act”) and relies upon the safe harbour protections available under Section 79 of the IT Act, subject to compliance with applicable laws, rules, regulations, and lawful governmental orders.

FISTT provides the technological infrastructure, communication tools, matching functionality, and payment facilitation necessary for Experts and Clients to interact through the Platform. FISTT is not a party to any consultation, communication, agreement, advice, recommendation, or relationship established between a Client and an Expert through the Platform.

FISTT does not provide legal, medical, financial, educational, psychological, engineering, career, wellness, or other professional services or advice. All information, opinions, recommendations, guidance, and services made available during a Session are provided solely by the respective Expert acting in their independent capacity.

FISTT does not employ, supervise, direct, control, endorse, certify, recommend, guarantee, or assume responsibility for the qualifications, credentials, professional standing, conduct, accuracy of advice, quality of services, or actions of any Expert. Users are solely responsible for evaluating the suitability, qualifications, and credentials of an Expert before relying upon any information, advice, or recommendations obtained through the Platform.

Nothing on the Platform shall be construed as creating a professional-client, employment, agency, partnership, joint venture, fiduciary, or representative relationship between FISTT and any User. Any professional-client relationship that may arise from a Session exists solely between the Client and the relevant Expert.

To access or use the Platform as a Client, you must:

• Be at least fifteen (15) years of age;
• Have the legal capacity to enter into a binding agreement under applicable law or, where required, use the Platform with the consent and supervision of a parent or legal guardian;
• Not be prohibited by any applicable law, regulation, court order, or governmental authority from accessing or using the Platform;
• Not have been previously suspended, restricted, or permanently removed from the Platform by FISTT.

Users who are between fifteen (15) and eighteen (18) years of age may access and use the Platform only with the consent and supervision of a parent or legal guardian, who agrees to be responsible for the minor’s use of the Platform and compliance with these Terms.

To register or offer services as an Expert, you must be at least eighteen (18) years of age and satisfy FISTT’s verification requirements, together with any applicable professional, regulatory, licensing, or qualification requirements relevant to the services you offer through the Platform.

By accessing or using the Platform, you represent and warrant that you satisfy the eligibility requirements set out in this Section and that all information provided to FISTT is accurate, complete, and current.

If you are accessing or using the Platform on behalf of a company, organisation, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.

To access certain features of the Platform, you may be required to create and maintain an Account. By registering for and using an Account, you agree to:

• Provide accurate, current, complete, and truthful information during registration and keep such information updated at all times;
• Not create an Account using a false identity or provide misleading information regarding your identity, qualifications, affiliations, or credentials;
• Not create or maintain more than one personal Account without FISTT’s prior written approval;
• Not sell, transfer, assign, share, or permit any other person to access or use your Account;
• Maintain the confidentiality and security of your login credentials and take reasonable steps to prevent unauthorised access to your Account;
• Notify FISTT immediately at support@fisttapp.com if you become aware of any unauthorised access to, use of, or security breach involving your Account;
• Accept responsibility for all activities conducted through your Account until such unauthorised access has been reported to FISTT.

FISTT reserves the right to verify your identity and the accuracy of any information provided during registration or at any time during your use of the Platform. FISTT may request additional information, documentation, or verification materials where reasonably necessary for security, compliance, fraud prevention, or operational purposes.

FISTT may suspend, restrict, or terminate any Account that contains false, inaccurate, incomplete, misleading, or fraudulent information, or where FISTT reasonably believes that the Account has been used in violation of these Terms, applicable law, or the rights of any third party.

You are solely responsible for maintaining the security of your Account and for all activities that occur through it. FISTT shall not be liable for any loss, damage, or unauthorised activity resulting from your failure to safeguard your Account credentials.

Individuals wishing to offer services as Experts through the Platform must successfully complete FISTT’s Expert registration and verification process. As part of this process, FISTT may require the submission of government-issued identification documents, educational qualifications, professional certifications, licences, registrations, work experience details, or any other information reasonably necessary to assess an applicant’s eligibility to provide services through the Platform.

FISTT reserves the right, at its sole discretion, to approve, reject, suspend, restrict, re-verify, or remove any Expert profile at any time and shall not be obligated to provide reasons for such decisions.

Verification conducted by FISTT is intended solely to support platform integrity and user trust. Acceptance of an Expert’s application, completion of verification, or publication of an Expert profile does not constitute an endorsement, certification, recommendation, guarantee, or representation by FISTT regarding the Expert’s qualifications, professional standing, competence, conduct, or the quality of services provided.

Experts provide services through the Platform in their individual capacity as independent contractors.

Nothing in these Terms, the Platform, or the relationship between FISTT and any Expert shall be construed as creating an employment relationship, agency relationship, partnership, joint venture, representative relationship, franchise relationship, or fiduciary relationship between FISTT and any Expert.

Experts retain full control over the nature, manner, and content of the services they provide through the Platform. FISTT may, at its sole discretion, determine, approve, modify, or otherwise establish pricing structures, service categories, commissions, promotional offerings, platform policies, and other commercial arrangements applicable to services offered through the Platform.

Each Expert is solely and exclusively responsible for:

• The accuracy, completeness, currency, and professional quality of all advice, information, guidance, and services provided during Sessions;
• Maintaining all licences, registrations, certifications, memberships, approvals, qualifications, and authorisations required to lawfully provide their services;
• Providing services only within the scope of their qualifications, expertise, professional competence, and applicable legal or regulatory permissions;
• Complying with all applicable professional, ethical, regulatory, and legal obligations relevant to their field of practice;
• Conducting themselves in a professional, respectful, lawful, and responsible manner while interacting with Users;
• All tax, reporting, compliance, and statutory obligations arising from earnings received through the Platform, including income tax, goods and services tax (where applicable), professional tax, and any other applicable levies;
• Suggesting their preferred consultation fee, availability, schedules, and service preferences through the Platform, while acknowledging that FISTT retains sole discretion to determine, approve, modify, structure, or otherwise establish the final pricing, fee structure, commissions, promotional pricing, and other commercial terms applicable to services offered through the Platform;
• Refraining from providing services, advice, or guidance that exceed the scope of their qualifications, expertise, or legal authority to practice.

Any professional relationship established through a Session exists solely between the Client and the relevant Expert. FISTT shall not be responsible or liable for any advice, information, recommendations, services, omissions, misconduct, negligence, professional malpractice, regulatory violations, or other acts or omissions of any Expert.

Clients are solely responsible for their conduct while accessing or using the Platform and agree to:

• Use the Platform honestly, lawfully, and in good faith to seek genuine information, advice, guidance, consultations, or other services;
• Treat all Experts, Users, and FISTT personnel with professionalism, courtesy, and respect;
• Exercise independent judgment when selecting Experts and when deciding whether to rely upon any information, advice, guidance, or recommendations received during a Session;
• Independently evaluate and verify the qualifications, credentials, and professional standing of any Expert before relying upon regulated or professional advice;
• Provide accurate information when creating an Account, booking Sessions, submitting reviews, or interacting through the Platform;
• Comply with all applicable laws, regulations, and these Terms while using the Platform;
• Refrain from harassing, threatening, abusing, defaming, intimidating, or engaging in inappropriate conduct toward any Expert, User, or FISTT representative;
• Not attempt to contact, solicit, engage, compensate, or transact with Experts outside the Platform for the purpose of circumventing FISTT’s payment systems, commissions, fees, or platform policies;
• Not share personal contact information, payment details, external links, or other information intended to facilitate off-platform transactions where prohibited by FISTT;
• Not record, reproduce, distribute, livestream, or otherwise capture any Session without the prior explicit consent of all participants and any permissions required by applicable law;
• Not submit false, fraudulent, misleading, malicious, repetitive, or bad-faith refund requests, complaints, disputes, reviews, ratings, or reports;
• Not engage in payment fraud, chargeback abuse, impersonation, account misuse, or any activity intended to manipulate the Platform or its systems.

Violation of this Section may result in warnings, restrictions, suspension, termination of access to the Platform, withholding of refunds where permitted by law, or any other action reasonably considered necessary by FISTT to protect the Platform, its Users, and its business interests.

All Sessions conducted through the Platform must comply with these Terms and any additional policies, guidelines, or standards published by FISTT from time to time.

During a Session, all participants must:

• Conduct themselves in a professional, respectful, lawful, and courteous manner at all times;
• Refrain from engaging in offensive, abusive, harassing, threatening, discriminatory, defamatory, obscene, or otherwise inappropriate conduct;
• Refrain from coercing, intimidating, manipulating, or improperly influencing another participant;
• Comply with all applicable laws, regulations, and Platform policies.

If a participant believes that a Session involves misconduct, abuse, fraud, harassment, unlawful activity, or a violation of these Terms, they may report the matter to FISTT. Upon review, FISTT may take appropriate action, including warnings, account restrictions, suspension, termination, withholding of payouts, or other measures permitted under these Terms.

FISTT does not provide session recording functionality. Users are responsible for complying with all applicable laws relating to the recording of communications. Any recording of a Session by a participant is undertaken solely at that participant’s responsibility and risk.

Billing commences when a Session connection is successfully established between the Client and the Expert and continues on a per-minute basis until the Session is terminated by either participant. Partial minutes are rounded up to the nearest full minute.

The total charge for a Session shall be calculated based on the pricing, fee structure, and applicable charges determined by FISTT and displayed to the Client through the Platform, together with any applicable taxes, fees, or charges.

The Client is solely responsible for ensuring that sufficient Wallet balance, account balance, or valid payment methods are available to cover Session charges.

Access to a Session may require the use of a Session Code generated by the Platform. Session Codes are issued solely for the purpose of enabling authorised participation in a specific Session and may only be used by the Client and Expert associated with that Session.

Users must keep their Session Codes confidential and must not share, disclose, transfer, publish, sell, or otherwise make a Session Code available to any third party. Session Codes are valid only for the specific Session for which they are generated and automatically expire upon completion or termination of that Session.

Users are solely responsible for safeguarding their Session Codes and preventing unauthorised access to their Sessions. FISTT shall not be responsible or liable for any unauthorised access, misuse, interruption, loss, privacy breach, or other consequences arising from a User’s disclosure, sharing, or improper handling of a Session Code.

FISTT reserves the right to invalidate, regenerate, suspend, or restrict the use of any Session Code where it reasonably believes that security, integrity, or compliance concerns exist.

FISTT facilitates payments for Sessions and other eligible services through Razorpay Software Private Limited (“Razorpay”) or such other payment service providers as may be designated by FISTT from time to time. By initiating a paid Session or transaction through the Platform, you authorise FISTT and its payment service providers to charge your selected payment method for all applicable fees, charges, taxes, and other amounts payable in connection with your use of the Platform.

The fees payable for a Session shall be determined in accordance with the pricing structure established by FISTT and displayed to the Client through the Platform. FISTT reserves the right to determine, modify, revise, or restructure pricing, commissions, platform fees, promotional pricing, and other commercial arrangements at its sole discretion.

FISTT may deduct a Service Fee, commission, platform fee, payment processing fee, or other applicable charges from transactions conducted through the Platform. Any applicable fees shall be disclosed through the Platform and may be revised from time to time.

All charges are displayed in Indian Rupees (₹) unless otherwise stated. Prices may be inclusive or exclusive of applicable taxes, including Goods and Services Tax (GST), as disclosed at the point of transaction. Users are responsible for any charges, fees, currency conversion costs, taxes, or other amounts imposed by their banks, payment providers, card issuers, or financial institutions.

Where FISTT provides a Wallet facility, Wallet balances may be loaded using supported payment methods and used for eligible transactions on the Platform. Wallet balances:

• Are non-transferable between Users;
• Are not redeemable for cash except where required by applicable law;
• May be subject to expiry, promotional conditions, or usage restrictions communicated by FISTT;
• May be forfeited upon permanent account termination, suspension, fraud, abuse, or violation of these Terms, except where otherwise required by applicable law.

FISTT reserves the right to refuse, suspend, cancel, reverse, or investigate any transaction where it reasonably suspects fraud, unauthorised activity, payment disputes, chargeback abuse, violation of these Terms, or other conduct that may expose FISTT, its Users, or third parties to legal, financial, operational, or reputational risk.

FISTT does not store full payment card numbers, CVV codes, UPI PINs, net banking credentials, or similar payment authentication information. Payment information is processed by authorised payment service providers in accordance with their applicable security and compliance standards.

Experts are entitled to receive earnings from completed Sessions, less any applicable Service Fees, commissions, taxes, refunds, adjustments, chargebacks, or other deductions permitted under these Terms. Net earnings are displayed within the Expert’s earnings dashboard on the Platform.

Upon completion of a Session, the corresponding earnings shall be credited to the Expert’s pending earnings balance. Pending earnings shall remain subject to a review and dispute period of forty-eight (48) hours following the conclusion of the Session.

During this review period, FISTT may investigate complaints, refund requests, chargebacks, suspected fraudulent activity, policy violations, regulatory inquiries, or other matters affecting the transaction. Earnings that are the subject of an active investigation, dispute, or compliance review may remain on hold until the matter has been resolved.

Subject to the expiry of the forty-eight (48) hour review period and the absence of any unresolved dispute, refund request, fraud concern, policy violation, or compliance issue, pending earnings shall become eligible for payout.

Eligible earnings are automatically processed for payout on the second Friday of each calendar month through the payout methods supported by FISTT, including bank transfer and Unified Payments Interface (UPI). FISTT may establish minimum payout thresholds and reserves the right to modify payout schedules upon reasonable notice to Experts.

FISTT reserves the right to withhold, delay, suspend, adjust, offset, recover, or cancel any payout where it reasonably believes that: (a) an Expert has violated these Terms, Platform policies, or applicable laws; (b) fraudulent, deceptive, abusive, or suspicious activity has occurred; (c) a Client complaint, dispute, refund request, chargeback, investigation, or regulatory inquiry is pending; (d) false, misleading, or inaccurate information has been provided by the Expert; or (e) the Expert’s conduct may expose FISTT, its Users, or third parties to legal, financial, reputational, or operational risk.

Experts are solely responsible for all taxation, reporting, and compliance obligations arising from earnings received through the Platform, including income tax, Goods and Services Tax (GST), professional tax, and any other applicable statutory obligations. FISTT shall deduct and remit taxes where required by applicable law and may issue tax certificates, reports, or statements as required under applicable regulations.

Clients may submit a refund request or dispute by contacting FISTT support at support@fisttapp.com within forty-eight (48) hours of the completion of the Session to which the request relates. Requests submitted after the expiry of this period may be rejected at FISTT’s discretion.

FISTT will review refund requests in good faith based on the information reasonably available to it, including Session records, transaction data, communications, complaint details, and any information provided by the Client or Expert.

Refunds may be considered in circumstances including, but not limited to:

• The Expert failed to attend or substantially failed to participate in the Session;
• Verified technical failures attributable to FISTT’s infrastructure materially prevented the delivery of the Session;
• Material misconduct, abuse, harassment, or violation of these Terms by the Expert during the Session;
• Verified fraudulent, false, or materially misleading credentials provided by the Expert;
• Billing errors, duplicate charges, or other payment-processing errors.

Refunds will generally not be granted solely because:

• The Client disagrees with the Expert’s opinion, advice, recommendation, or assessment;
• The Client is dissatisfied with the outcome of the Session;
• The advice received did not produce the Client’s desired result;
• The Client changes their mind after a Session has been completed;
• The Client failed to implement, follow, or properly apply advice or guidance received during the Session.

Where FISTT determines that a refund is appropriate, it may issue a full refund, partial refund, Wallet credit, account credit, or refund to the original payment method, depending on the circumstances of the case and the payment method used.

FISTT reserves the right to deny, reduce, reverse, or withhold refunds where it reasonably believes that a refund request, complaint, dispute, or chargeback has been submitted fraudulently, abusively, repeatedly, in bad faith, or in violation of these Terms.

FISTT’s determination of refund requests and Platform disputes shall be based on the information reasonably available to it and shall be final for Platform purposes, subject to any rights available under applicable consumer protection laws.

Initiating a chargeback, payment dispute, or payment reversal through a bank, card issuer, UPI provider, or payment service provider in relation to a Session that was substantially delivered may result in account restrictions, suspension, termination, recovery actions, or other measures reasonably necessary to protect FISTT and its Users.

The Platform, including the FISTT mobile applications, Companion Web App, website, software, source code, object code, databases, designs, user interfaces, text, graphics, logos, trademarks, trade names, branding, functionality, and all other materials created, developed, owned, or licensed by FISTT (collectively, the “FISTT Content”), are owned by or licensed to FISTT and are protected by applicable intellectual property, copyright, trademark, trade secret, and other proprietary rights laws.

Subject to your compliance with these Terms, FISTT grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform solely for its intended purpose and in accordance with these Terms.

Except as expressly permitted by these Terms or with FISTT’s prior written consent, you shall not:

• Copy, reproduce, distribute, publish, display, perform, transmit, sell, licence, modify, adapt, translate, or otherwise exploit any portion of the Platform or FISTT Content;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, or underlying technology of the Platform;
• Remove, alter, conceal, or obscure any copyright, trademark, branding, proprietary notice, or other intellectual property notice appearing on the Platform;
• Use FISTT’s trademarks, logos, trade names, branding, domain names, or other proprietary identifiers in a manner that may cause confusion or imply any affiliation, endorsement, sponsorship, or association with FISTT without prior written authorisation;
• Create derivative works based on the Platform or FISTT Content without FISTT’s prior written consent.

Nothing in these Terms grants any User ownership rights in the Platform or FISTT Content. All rights, title, and interest in and to the Platform and FISTT Content remain exclusively vested in FISTT and its licensors.

All rights not expressly granted under these Terms are reserved by FISTT.

Users may submit, upload, transmit, publish, display, or otherwise make available content through the Platform, including profile information, profile photographs, qualifications, certifications, reviews, ratings, messages, documents, communications, and other materials (“User Content”).

Users retain ownership of their User Content. However, by submitting, uploading, transmitting, or making User Content available through the Platform, you grant FISTT a limited, worldwide, non-exclusive, royalty-free, transferable, and sublicensable licence to host, store, process, reproduce, display, transmit, distribute, and otherwise use such User Content solely to the extent reasonably necessary to operate, maintain, improve, secure, promote, and provide the Platform and its Services, and to comply with applicable legal obligations.

You represent and warrant that:

• You own or otherwise possess all rights, permissions, licences, and authority necessary to submit the User Content and grant the rights described in these Terms;
• Your User Content does not infringe, misappropriate, or violate any intellectual property, privacy, publicity, confidentiality, contractual, or other rights of any third party;
• Your User Content complies with these Terms and all applicable laws and regulations.

Users remain solely responsible for their User Content and for the consequences of submitting, publishing, transmitting, or sharing such User Content through the Platform.

FISTT does not routinely review, verify, endorse, or guarantee the accuracy, legality, quality, completeness, or reliability of User Content. FISTT reserves the right, but has no obligation, to remove, restrict, edit, disable access to, or refuse any User Content that FISTT reasonably believes violates these Terms, applicable law, the rights of any person, or the integrity and security of the Platform.

Where required by law, regulatory direction, court order, governmental request, or legal process, FISTT may preserve, review, disclose, or remove User Content without prior notice to the User.

Users shall not use the Platform, directly or indirectly, to engage in any activity that is unlawful, fraudulent, harmful, abusive, misleading, disruptive, or otherwise inconsistent with these Terms.

Users must not:

• Upload, post, transmit, publish, display, store, or share any content that is unlawful, defamatory, abusive, harassing, threatening, hateful, discriminatory, obscene, sexually explicit, misleading, fraudulent, or otherwise objectionable;
• Upload, distribute, or share content that infringes any copyright, trademark, patent, trade secret, privacy right, publicity right, or other legal right of any person;
• Impersonate any individual, organisation, government authority, business, or other entity;
• Provide false, misleading, deceptive, or inaccurate information regarding identity, qualifications, experience, affiliations, or credentials;
• Share content that promotes violence, terrorism, criminal activity, self-harm, child exploitation, or other unlawful conduct.

Users must not:

• Attempt to gain unauthorised access to the Platform, user accounts, servers, databases, APIs, networks, or connected systems;
• Interfere with, disrupt, damage, overload, or impair the operation, integrity, security, or performance of the Platform;
• Introduce malware, viruses, worms, trojans, ransomware, malicious code, or other harmful technology into the Platform;
• Circumvent, disable, or interfere with security features, authentication mechanisms, access controls, or usage restrictions implemented by FISTT;
• Use automated tools, bots, scrapers, crawlers, spiders, data-mining tools, artificial intelligence systems, or similar technologies to access, extract, collect, copy, index, or analyse Platform data without FISTT’s prior written consent.

Users must not:

• Circumvent or attempt to circumvent FISTT’s payment systems, fees, commissions, or business model by arranging, soliciting, facilitating, or accepting payments for services initially identified, introduced, booked, or facilitated through the Platform outside of FISTT without FISTT’s prior written authorisation;
• Request, offer, exchange, or encourage off-platform payments in connection with services initially identified, arranged, or facilitated through the Platform;
• Share payment details, payment links, external payment methods, contact information, social media handles, or other information intended to facilitate unauthorised off-platform transactions or consultations.

Experts and Clients acknowledge that relationships initiated, introduced, identified, booked, or facilitated through FISTT are subject to FISTT’s payment and transaction policies. Any attempt to bypass the Platform in order to avoid applicable fees, commissions, or Platform charges shall constitute a material breach of these Terms.

Users must not:

• Submit false, exaggerated, misleading, repetitive, abusive, or bad-faith complaints, disputes, refund requests, ratings, reviews, or reports;
• Engage in payment fraud, chargeback abuse, account abuse, identity fraud, credential fraud, or any other deceptive practice;
• Manipulate ratings, reviews, rankings, engagement metrics, or Platform systems;
• Create multiple accounts for deceptive, abusive, fraudulent, or prohibited purposes.

Users must not:

• Harass, threaten, intimidate, abuse, coerce, exploit, discriminate against, or otherwise mistreat any User during or in connection with a Session;
• Engage in conduct that violates applicable laws, professional obligations, or Platform policies;
• Use the Platform for any purpose that may expose FISTT, its Users, Experts, partners, or third parties to legal, regulatory, financial, operational, or reputational harm;
• Use the Platform to facilitate, encourage, participate in, or assist with cheating, academic dishonesty, examination misconduct, unauthorised assistance during examinations, tests, assessments, interviews, certifications, competitive examinations, recruitment processes, or any other activity that violates the rules, policies, integrity standards, or requirements of an educational institution, employer, testing authority, certification body, or other organisation;
• Request, provide, solicit, or receive answers, solutions, real-time assistance, impersonation services, or other forms of support intended to improperly influence the outcome of any examination, assessment, interview, certification process, recruitment process, academic evaluation, or professional qualification process.

Where FISTT reasonably determines that a User has violated or attempted to violate this Section or any other provision of these Terms, FISTT may take any action it considers reasonably necessary to protect the Platform, its Users, and its legitimate business interests. Such actions may include issuing warnings, removing content, restricting Platform access, suspending or terminating Accounts, withholding payouts, denying refunds, recovering funds, reporting matters to relevant authorities, or pursuing any other remedies available under applicable law.

Experts acknowledge that attempts to divert Clients away from the Platform or to arrange off-platform consultations, payments, or transactions in relation to services initially facilitated through FISTT constitute a material violation of these Terms and may result in immediate suspension or termination of the Expert’s Account, withholding or forfeiture of pending earnings, recovery of amounts previously paid where permitted by law, and permanent removal from the Platform.

Your use of the Platform is governed by FISTT’s Privacy Policy, which is incorporated into these Terms by reference and forms an integral part of this Agreement. By accessing or using the Platform, you acknowledge that you have read and understood the Privacy Policy and consent to the collection, processing, storage, use, disclosure, transfer, and protection of your personal data as described therein.

FISTT processes personal data in accordance with applicable laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023, to the extent in force and applicable.

Users acknowledge and agree that FISTT may collect, process, store, use, and share personal data with service providers, payment processors, verification partners, regulatory authorities, law enforcement agencies, and other authorised third parties where necessary for the operation of the Platform, compliance with legal obligations, fraud prevention, dispute resolution, security purposes, or as otherwise described in the Privacy Policy.

While FISTT implements reasonable administrative, technical, and organisational measures to protect personal data, no method of electronic transmission, storage, or processing can be guaranteed to be completely secure. Accordingly, FISTT does not guarantee absolute security of information transmitted through or stored on the Platform.

Users are responsible for maintaining the confidentiality of their account credentials and for taking reasonable precautions to protect their personal information while using the Platform.

The Platform integrates and relies upon third-party technologies and services, including:

• LiveKit, Inc. — Real-time video, audio, and data infrastructure for Sessions;
• Supabase, Inc. — Database, authentication, file storage, and serverless compute;
• Razorpay Software Private Limited — Payment aggregation and processing;
• Firebase / Google LLC — Push notification delivery.

Your use of these integrated services may be subject to those providers’ own terms of service and privacy policies. FISTT does not control and is not responsible for the performance, availability, accuracy, security, reliability, or data-handling practices of any third-party service provider.

The Platform may contain links to third-party websites, applications, resources, or services that are not owned, operated, or controlled by FISTT. Such links are provided solely for convenience and informational purposes. FISTT does not endorse, guarantee, or assume responsibility for any third-party website, application, content, product, service, or practice.

FISTT shall not be liable for any loss, damage, interruption, delay, security incident, data loss, or other issue arising from the acts, omissions, failures, or services of any third-party provider, except to the extent required by applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM, ALL SERVICES, CONTENT, FEATURES, FUNCTIONALITY, AND INFORMATION MADE AVAILABLE THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES, REPRESENTATIONS, CONDITIONS, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

FISTT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, QUALITY, OR PERFORMANCE.

WITHOUT LIMITING THE FOREGOING, FISTT DOES NOT WARRANT OR REPRESENT THAT:

• The Platform will be uninterrupted, secure, available at all times, timely, error-free, or free from defects;
• Any errors, defects, interruptions, or failures will be corrected;
• The Platform, its servers, systems, or infrastructure will be free from viruses, malware, malicious code, or other harmful components;
• Any information, advice, recommendations, opinions, guidance, services, or content provided by an Expert or any other User will be accurate, complete, reliable, lawful, current, suitable, or appropriate for any particular purpose or circumstance;
• Use of the Platform or reliance upon information obtained through the Platform will produce any particular result, outcome, benefit, or expectation.

Users acknowledge that all decisions made and actions taken based on information, advice, recommendations, opinions, or guidance obtained through the Platform are made solely at the User’s own discretion and risk.

Users are solely responsible for independently evaluating, verifying, and assessing the suitability, accuracy, and reliability of any information or advice received through the Platform before relying upon it or acting upon it.

Nothing contained on the Platform or communicated during a Session shall be construed as a guarantee, warranty, certification, endorsement, or assurance by FISTT regarding any Expert, service, advice, outcome, or result.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FISTT AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, SERVICE PROVIDERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF REPUTATION, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE PLATFORM, THE SERVICES, OR THESE TERMS, EVEN IF FISTT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL FISTT’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM, THE SERVICES, OR THESE TERMS EXCEED THE GREATER OF:

• (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO FISTT DURING THE SIX (6) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
• (B) INDIAN RUPEES FIVE THOUSAND (₹5,000).

THE LIMITATIONS AND EXCLUSIONS OF LIABILITY SET OUT IN THESE TERMS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, REGARDLESS OF THE FORM OF ACTION OR LEGAL THEORY ASSERTED.

NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT LIABILITY THAT CANNOT BE LAWFULLY EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR:

• Death or personal injury directly caused by FISTT’s negligence;
• Fraud or fraudulent misrepresentation by FISTT; or
• Any liability that cannot be excluded or limited under applicable consumer protection laws or other mandatory legal requirements.

You agree to indemnify, defend, and hold harmless FISTT, its officers, directors, shareholders, employees, contractors, affiliates, agents, licensors, service providers, and representatives from and against any and all claims, demands, actions, proceedings, investigations, liabilities, damages, losses, penalties, fines, costs, and expenses (including reasonable legal fees and expenses) arising out of or relating to:

• Your access to, use of, or misuse of the Platform;
• Your violation of these Terms, Platform policies, or any applicable law, regulation, rule, or professional obligation;
• Your User Content;
• Your infringement or violation of any intellectual property, privacy, publicity, consumer protection, contractual, or other rights of any third party;
• Any information, advice, guidance, recommendations, services, or content provided by you as an Expert;
• Any complaint, dispute, regulatory action, investigation, penalty, or legal proceeding arising from your conduct, services, qualifications, representations, or omissions;
• Your failure to maintain any licence, registration, certification, approval, qualification, or authorisation required by applicable law to provide the services offered through the Platform.

FISTT reserves the right, at its own discretion, to assume the exclusive defence and control of any matter subject to indemnification by you. In such circumstances, you agree to cooperate fully with FISTT in the defence, settlement, or resolution of the relevant matter.

FISTT shall not be liable for any delay, interruption, failure, degradation, or non-performance of the Platform or any obligation under these Terms to the extent caused by events beyond FISTT’s reasonable control, including acts of God, natural disasters, floods, storms, earthquakes, fires, epidemics, pandemics, public health emergencies, war, invasion, terrorism, civil unrest, riots, labour disputes, governmental actions, regulatory restrictions, changes in law, court orders, failures of telecommunications networks, internet service providers, cloud infrastructure providers, hosting providers, payment processors, utility failures, power outages, cyberattacks, distributed denial-of-service (DDoS) attacks, or other similar events beyond FISTT’s reasonable control.

FISTT shall use commercially reasonable efforts to minimise the impact of such events and to resume normal operations as soon as reasonably practicable. The occurrence of a Force Majeure event shall not constitute a breach of these Terms by FISTT.

These Terms become effective when you first access, register for, or use the Platform and shall remain in effect until terminated in accordance with these Terms.

FISTT may, at its sole discretion and without liability, immediately restrict, suspend, disable, or permanently terminate a User’s access to the Platform and/or Account if FISTT reasonably believes that the User:

• Has violated these Terms, Platform policies, or applicable law;
• Has provided false, misleading, inaccurate, or fraudulent information;
• Has engaged in fraud, chargeback abuse, identity misuse, credential fraud, or other deceptive conduct;
• Has attempted to circumvent the Platform, including by arranging off-platform payments or consultations in relation to services initially facilitated through FISTT;
• Has engaged in academic dishonesty, examination misconduct, certification fraud, recruitment fraud, or similar prohibited activities;
• Has engaged in conduct that may harm other Users, third parties, FISTT, or the integrity, security, reputation, or operation of the Platform;
• Has failed to maintain any qualifications, licences, registrations, certifications, or authorisations required to provide services offered through the Platform; or
• Is otherwise prohibited by law from using the Platform.

Where reasonably practicable, FISTT may provide notice of suspension or termination. However, FISTT reserves the right to take immediate action where it considers such action necessary to protect Users, the Platform, or its legitimate business interests.

Users may close their Accounts at any time by contacting FISTT at support@fisttapp.com. Account closure requests shall be processed within a reasonable period, subject to the completion of any pending transactions, investigations, disputes, refund requests, chargebacks, or legal obligations.

Upon suspension or termination of an Account for any reason:

• The User’s right and licence to access or use the Platform shall immediately cease;
• Access to certain content, services, features, or account functionality may be restricted or removed;
• Any unused Wallet balance or promotional credits shall be handled in accordance with applicable law and FISTT’s policies;
• Outstanding Expert earnings may be withheld, adjusted, forfeited, recovered, offset, or processed by FISTT in accordance with these Terms, including where disputes, investigations, fraud concerns, policy violations, chargebacks, or legal obligations exist;
• FISTT may retain account information, transaction records, communications, and other data as required for legitimate business purposes, dispute resolution, regulatory compliance, fraud prevention, enforcement of these Terms, and compliance with applicable law.

Termination or suspension shall not affect any rights, obligations, liabilities, remedies, or claims that accrued prior to the effective date of termination.

Sections 12 (Intellectual Property Rights), 13 (User Content), 15 (Privacy and Data Protection), 17 (Disclaimer of Warranties), 18 (Limitation of Liability), 19 (Indemnification), 20 (Force Majeure), and any other provisions which by their nature are intended to survive termination shall continue in full force and effect following termination of these Terms or the User’s Account.

These Terms and any dispute, claim, controversy, or matter arising out of or relating to these Terms, the Platform, or the Services (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

Subject to Section 23, the courts located in Greater Noida West, Uttar Pradesh, India shall have exclusive jurisdiction to grant interim, injunctive, or emergency relief in connection with any matter arising under these Terms.

In the event of any dispute, claim, controversy, or difference arising out of or relating to these Terms, the Platform, or the Services (“Dispute”), the parties shall first attempt to resolve the Dispute through good-faith negotiations. Either party wishing to invoke this process must notify the other in writing, and the parties shall have thirty (30) days from the date of such notice to attempt resolution.

If the Dispute is not resolved within the negotiation period, it shall be referred to and finally resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time.

The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties. If the parties are unable to agree upon an arbitrator within fifteen (15) days of a written request for arbitration, the arbitrator shall be appointed in accordance with the Arbitration and Conciliation Act, 1996.

The seat and venue of arbitration shall be Greater Noida West, Uttar Pradesh, India. The arbitration proceedings shall be conducted in the English language. The arbitral award shall be final and binding upon the parties and may be enforced in any court of competent jurisdiction.

Nothing in this Section shall prevent either party from seeking urgent interim, equitable, or injunctive relief from a court of competent jurisdiction.

You agree that all Disputes shall be brought solely in your individual capacity and not as a plaintiff, claimant, or member in any purported class action, representative action, collective action, or similar proceeding.

In accordance with applicable law, including the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, FISTT has appointed a Grievance Officer to address User complaints, grievances, and concerns relating to the Platform, Content, or violations of these Terms.

Grievance Officer: Shrayansh Raghuvanshi
Designation: Grievance Officer, FISTT
Email: support@fisttapp.com
Address: Registered Office, Unit No. 8125, 8th Floor, Gaur City Mall Office Space, Sector 4, Greater Noida West, Uttar Pradesh 201318, India
Business Hours: Monday to Friday, 10:00 AM – 6:00 PM IST (excluding public holidays)

FISTT shall acknowledge complaints within the timelines prescribed under applicable law and shall make reasonable efforts to resolve grievances in a timely manner.

If you are dissatisfied with the resolution of your complaint, you may pursue remedies available under applicable law.

• Entire Agreement: These Terms, together with the Privacy Policy and any other policies expressly incorporated by reference, constitute the entire agreement between you and FISTT relating to the Platform and supersede all prior and contemporaneous agreements, representations, and understandings.
• Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
• No Waiver: Failure by FISTT to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.
• Assignment: You may not assign, transfer, or delegate any rights or obligations under these Terms without FISTT’s prior written consent. FISTT may freely assign or transfer its rights and obligations under these Terms in connection with a merger, acquisition, restructuring, financing, or sale of assets.
• Relationship of Parties: Nothing in these Terms shall be construed as creating any partnership, joint venture, employment, agency, fiduciary, or representative relationship between FISTT and any User.
• Notices: Legal notices to FISTT must be sent to support@fisttapp.com with the subject line “Legal Notice” or to FISTT’s registered office address at Unit No. 8125, 8th Floor, Gaur City Mall Office Space, Sector 4, Greater Noida West, Uttar Pradesh 201318, India. Notices to Users may be provided by email, SMS, push notification, in-app notification, WhatsApp message, or any other contact method associated with the User’s Account.
• Electronic Communications: By creating an Account or using the Platform, you consent to receive communications electronically from FISTT, including notices, disclosures, updates, reminders, and other communications relating to the Platform.
• Language: These Terms are drafted in the English language. Any translated version is provided for convenience only. In the event of any inconsistency, the English version shall prevail.

FISTT reserves the right to modify, amend, supplement, or replace these Terms at any time. Material changes will be communicated by updating the “Last Updated” date and publishing the revised Terms on the Platform. Where required by law or where FISTT considers it appropriate, additional notice may be provided through email, SMS, push notification, WhatsApp, or in-app notification.

Revised Terms shall become effective upon publication unless otherwise stated.

Your continued use of the Platform following the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree with the revised Terms, you must discontinue use of the Platform and may request closure of your Account in accordance with these Terms.

If you have any questions, concerns, or requests relating to these Terms, please contact us at:

Fistt Private Limited
Email: support@fisttapp.com
Website: fisttapp.com
Address: Unit No. 8125, 8th Floor, Gaur City Mall Office Space, Sector 4, Greater Noida West, Uttar Pradesh 201318, India