Website Terms of Use

1. Scope and acceptance

This website is operated by Imayan Digital LLP under the brand IDAI ("IDAI", "we", "us", or "our"). These Terms apply to this website, IDAI Perspectives, forms, and public communications on channels that we identify as official.

By accessing or using them, you agree to these Terms. If you act for an institution, you confirm that you have authority to act for it. You must be at least 18 years old and legally capable of accepting these Terms. If you do not agree, do not use the website or submit information through it.

2. Information, not professional advice

Website content is general information and analysis. It is not legal, regulatory, financial, investment, accounting, tax, credit, model-risk, cybersecurity, or other professional advice. It is not a recommendation to deploy a model, contact a customer, approve or decline credit, alter a control, or take any other business decision.

Financial services requirements vary by institution, portfolio, jurisdiction, date, and operating context. Research and regulation also change. You remain responsible for independent validation, professional advice, governance approvals, testing, and decisions made using any material on this website. We do not guarantee that a cited source, estimate, framework, or conclusion is complete, current, or suitable for your circumstances.

3. No advisory or confidential relationship

Visiting the website, submitting a form, following an account, or exchanging an email or social message does not create a client, adviser, fiduciary, partnership, agency, employment, exclusivity, or other professional relationship. IDAI is engaged only when the relevant parties execute a written agreement defining scope, responsibilities, confidentiality, fees, data handling, intellectual property, and liability.

We treat serious inquiries with professional discretion and restrict access in the ordinary course. However, a label such as "confidential discussion" is not a substitute for a signed non-disclosure or engagement agreement. Before one is in place, do not submit trade secrets, customer or account data, regulated records, source code, credentials, unpublished inventions, or information that you are not authorised to disclose. Personal data is handled as described in our Privacy Notice.

4. Inquiries and communications

When you submit an inquiry, you confirm that the information is accurate to the best of your knowledge, that you are entitled to provide it, and that you control or are authorised to use the email address supplied. You authorise IDAI to use those details to assess and respond to the inquiry. This permission covers direct follow-up about that inquiry; it is not consent to an unrelated mailing list.

We may verify identity, institutional affiliation, or authority before discussing a matter. We cannot guarantee that an address entered by another person belongs to the submitter. If you receive a communication because someone used your details without permission, notify us and we will investigate and take reasonable corrective action.

Email and social messaging are not inherently secure. We may decline, pause, or end a conversation, and no statement made before a signed agreement commits IDAI to accept an engagement, reserve capacity, deliver a product, or reach a particular result.

5. Perspectives, research, and third-party material

Perspectives may interpret public research, regulation, speeches, industry evidence, and operating experience. Citations identify material used for context; they do not imply that a regulator, researcher, employer, client, vendor, or other source endorses IDAI or our interpretation. Rights in third-party material remain with their respective owners.

External links are provided for reference. We do not control third-party content, availability, security, privacy practices, or subsequent revisions. Publication dates matter: a Perspective is a view at a point in time and may not reflect later evidence or law. Corrections supported by reliable evidence may be sent to the contact below.

6. Anonymised operating experience

Some content draws on the founder's professional experience. Unless expressly stated, these are not case studies issued or endorsed by a former employer, client, partner, or colleague. Descriptions may be generalised, aggregated, or anonymised to explain an operating principle without identifying an institution, customer, or individual.

Readers must not attempt to re-identify anonymised parties or combine website material with external information for that purpose. Contextual outcomes are not promises that another institution will obtain the same result. If an authorised representative reasonably believes that published material is inaccurate or discloses protected information, they may contact us with sufficient detail for a good-faith review.

7. Products and forward-looking statements

References to SelfPay, prototypes, planned capabilities, research directions, or future services describe current intent, not a binding product commitment. Features, controls, timelines, commercial models, availability, and names may change or may not proceed. Any product access or pilot will be governed by separate terms after appropriate diligence and institutional approvals.

8. Intellectual property and permitted use

The website's original text, diagrams, frameworks, design, software, brand elements, and compilation are owned by or licensed to IDAI and are protected by applicable intellectual-property laws. IDAI, SelfPay, associated marks, and distinctive materials may not be used in a way that suggests endorsement, affiliation, or origin without written permission. No licence is implied in any underlying software, model, method, invention, trade secret, or product concept.

You may read, link to, print, or quote short extracts for lawful internal or non-commercial purposes with clear attribution and a link to the source. Ordinary search indexing and short retrieval excerpts that direct users to the original page are permitted. Without written permission, you may not substantially reproduce, republish, sell, syndicate, scrape in bulk, remove notices from, create a substitute publication from, or use our content to build a training corpus, evaluation dataset, competing knowledge product, or commercial model.

Nothing in these Terms restricts a use that applicable law expressly permits and that cannot lawfully be excluded.

9. Unsolicited ideas and independent development

Do not send an invention, product design, model, code, dataset, business method, or other idea if you expect it to remain confidential, create exclusivity, or result in compensation. AI, lending, payments, collections, and financial-infrastructure problems are actively explored by many organisations. IDAI may already be developing, may later develop, or may receive from another source work that is similar to a submission. Similarity alone does not establish use or copying.

You retain ownership of material you submit. You grant IDAI a non-exclusive, royalty-free right to store, reproduce internally, and review it only as reasonably needed to administer, evaluate, and respond to the submission. General, non-confidential feedback about our website, content, or services may be used to improve them without an obligation to compensate you. We will not publish your identifiable submission as a testimonial or case study without permission.

10. Social and third-party channels

LinkedIn, X, YouTube, Instagram, WhatsApp, and other platforms operate under their own terms and privacy practices. A post, comment, direct message, repost, reaction, or platform response is public or semi-public according to that platform's settings and should not be treated as a secure channel or formal advice. Reposting or linking does not necessarily mean endorsement.

Only a written agreement signed by an authorised IDAI representative can vary an engagement. Be alert to impersonation; verify material commercial instructions through an official @imayandigital.com address.

11. Acceptable use

You must not use the website or its forms to:

• break law, infringe rights, impersonate another person, or misstate authority;
• send malicious code, spam, unlawful content, or data you may not disclose;
• probe, disrupt, bypass, or test security without prior written authorisation;
• overload forms or infrastructure, or interfere with another visitor's use; or
• re-identify anonymised examples or misuse personal or institutional information.

We may restrict access or preserve evidence where reasonably necessary to protect the website, IDAI, or others.

12. Availability and warranties

The website is provided on an "as available" basis. To the maximum extent permitted by law, we disclaim implied warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, and freedom from harmful components. We may correct, withdraw, suspend, or change content and functionality without notice.

13. Limitation of liability

To the maximum extent permitted by law, IDAI and its partners, personnel, and suppliers will not be liable for indirect, incidental, special, punitive, exemplary, or consequential loss; loss of profit, revenue, opportunity, reputation, data, or business; or decisions made in reliance on website or social-channel material.

IDAI's aggregate liability arising solely from access to or use of the public website will not exceed INR 1,000. This limit does not apply to fraud, wilful misconduct, death or personal injury caused by negligence, or any liability that law does not permit us to exclude or limit. Separate engagement agreements contain their own risk allocation.

14. Governing law and disputes

These Terms are governed by the laws of India. Subject to mandatory rights that apply in your location, courts in Chennai, Tamil Nadu have exclusive jurisdiction. Before starting formal proceedings, each party should give the other written notice and a reasonable opportunity to resolve the issue in good faith.

15. Changes and general terms

We may update these Terms when the website, services, or law changes. The effective date above identifies the current version. Continued use after an update means the revised Terms apply from their effective date.

If a provision is unenforceable, the remaining provisions continue to apply. A delay in enforcing a provision is not a waiver. These Terms and the Privacy Notice are the entire agreement governing use of the public website, but do not replace a separately executed agreement.