Terms of Use

Effective Date: 14-April-2026

These Terms of Use (“Terms”) govern your access to and use of https://www.me100.in/ or ME100 Mobile App (the “Platform”), a technology-driven healthcare and wellness platform offering personalized and preventive health services, made available by Intelligence First Private Limited, a company incorporated under the Companies Act, 2013, with its registered office at A-37 Mayapuri Industrial Area, Phase-II, new Delhi - 110064, India (referred to as “Company”, “we”, “us”, or “our”).

Definitions

For the purposes of these Terms:

“User”, “you”, or “your” refers to any individual (18 years or above) or legal entity accessing or using the Platform who is legally capable of entering into binding agreements under applicable Indian law.

“Registered User” A User who has created an account on the Platform.

“Health Data” Any health-related information including biomarker reports, lifestyle inputs, wearable data, medical history, or diagnostic information submitted through the Platform. For the avoidance of doubt, Health Data constitutes Personal Data.

“Diagnostic Partners/Service Providers” may include hospitals/labs, medical practitioners, clinics, diagnostic centres, spas, fitness centres, or similar entities listed on the Platform from whom Users may choose to obtain their services.

“Content” All text, graphics, algorithms, reports, dashboards, data outputs, and materials available on the Platform.

“Services” Any and all digital functionality made available through the Platform, including without limitation, health and wellness analytics, diagnostic facilitation, availability of reports, diet suggestions, lifestyle guidance and information, subscriptions, educational content, AI insights, or partner services.

“Third Parties” means any person, organization, or application that is not the User or the Company. This includes external vendors such as payment processing partners.

“Platform” means the website at www.me100.in, the ME100 mobile application, and associated user-facing interfaces through which Users access Services.

PART 1 General Terms

• Interpretation of Headings

Section titles and headings are included solely for convenience and organizational clarity. They are not intended to influence the interpretation of any provision and carry no independent legal significance.

• Acceptance of Terms

Welcome to https://www.me100.in/ and the “ME100” mobile application. Your use of the above is subject to the acceptance of our Terms of Use and You shall be legally bound by the same. In case You are not in agreement with any of these terms, please do not use the Platform.

The Company reserves the right to modify these Terms of Use at any time and the latest terms of use of the Platform shall be applicable to you.

Your continued use of our Platform and Services would construe as an acceptance of these Terms of Use, as changed from time to time. You are requested to regularly visit the Platform to view the most current Terms. It shall be Your responsibility to check the Terms periodically for changes, and in case You continue to use the Platform after a change, You shall be deemed to have agreed with any and all of the changes/amendments.

The Company reserves the right to modify or update our site(s), colour schemes and designs, mobile applications, software or Services, including the discontinuation of any service. The Company, in no way, guarantees that the use of the Platform or Services shall be available to You at all times. The Company also reserves the right to modify our services, service listings, partner companies, prices, fee structure, and discounts (if any) at any time without any prior information to You.

Furthermore, your acceptance of these Terms shall imply Your acceptance of the Privacy Policy available at  Privacy Policy on our Platform.

In the event of conflict between these Terms and the Privacy Policy regarding the processing or protection of personal data, the Privacy Policy shall prevail. In all other respects, these Terms shall govern.

3. Use of Platform

By accessing or using the Platform, You acknowledges and agrees that:

• You have read, understood, and accepted these Terms in their entirety;

• You voluntarily agree to be legally bound by these Terms;

• You consent to the collection, use, storage, and processing of personal data in accordance with the applicable Privacy Policy; and

• You are accessing and using the Platform at Your sole discretion and risk.

Continued access to or use of the Platform following any amendment shall constitute your acceptance of the Terms as amended.

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4. Eligibility

Use of the Platform is permitted only to individuals who:

• are 18 years or older

• possess legal capacity to enter binding contracts

• provide true, accurate and complete information

• comply with applicable laws

The Company reserves the right to suspend or terminate access if eligibility requirements are not satisfied.

By registering on, visiting, or otherwise using the Platform, or by agreeing to these Terms of Use, You hereby represent and warrant to the Company that You are eighteen (18) years of age or older and that You have the legal authority, capacity, and right to access and utilize the Platform and any Services made available through it.

PART 2 — PLATFORM SERVICES AND NATURE OF OPERATIONS

5.1. Nature of Platform

The Platform is a technology-enabled digital health, preventive wellness, and AI-assisted insights platform designed to provide users with information relating to preventive wellness, biomarker trends, and lifestyle awareness.

The Platform may provide:

• biomarker dashboards

• wellness scores

• diet and lifestyle recommendations

• educational content

• AI-generated insights

• diagnostic testing facilitation

• subscription wellness tools

The Platform does not operate as a hospital, clinic, laboratory, pharmacy, or medical establishment.

5.2 Consent for Blood Sample Collection

By using the Platform and booking any diagnostic test or health check-up service, You expressly consent to the collection of their blood sample and/or other biological specimens, as may be required for the relevant test, by the Company’s designated collection agent, phlebotomist, diagnostic partner, service provider, or authorised representative.

You acknowledge and agree that such sample collection may take place at the address, location, date, and time selected or confirmed by You, and that the collected sample shall be transferred to the relevant diagnostic laboratory or Diagnostic partner for testing, processing, and report generation.

You further agree to cooperate with the designated collection personnel, provide accurate identification and relevant information, and follow any reasonable instructions required for proper and safe sample collection.

6. No Medical Advice

The Platform and its Services do not provide medical advice, diagnosis, or treatment.

All outputs including dashboards, wellness scores, biological age estimates, organ score estimates, algorithmic insights and recommendations are provided solely for informational and wellness awareness purposes. Any diet or lifestyle information provided is general in natureand does not constitute a regulated dietary consultation.

The information provided herein does not constitute a replacement for professional medical advice or consultation. Users must consult qualified healthcare professionals before making health decisions.

7. Emergency Disclaimer

The Platform is not intended for emergency use.

If you are experiencing a medical emergency, you must immediately contact:

• a licensed physician

• emergency services

• the nearest hospital

The Platform must never be relied upon for urgent medical care.

PART 3 — AI SYSTEMS AND ALGORITHMIC OUTPUTS

8. USE OF AI AND ITS LIMITATIONS

8.1 AI Liability Shield

The Company utilizes artificial intelligence (AI), statistical modelling, machine learning technologies, AI-based algorithms, and analytical models to generate wellness insights, health scores, aging indicators, organ-specific insights, and related outputs based on user-provided data, including blood reports and other inputs.

Users acknowledge and agree that:

• Such AI systems function solely as informational and educational tools and are not medical diagnostic systems;
• AI-generated outputs are probabilistic in nature and may be subject to inherent limitations;
• Such outputs may contain inaccuracies, omissions, or variations, and are subject to continuous refinement and improvement;
• AI outputs may evolve over time as underlying models and datasets are updated;
• All scores, including Aging Scores and Organ-Specific Scores, and other AI-generated insights are algorithmically generated wellness indicators and do not constitute medical advice, medical determinations, diagnosis, clinical opinion, or prediction of future health outcomes;
• These outputs are based on data voluntarily provided by the user and do not replace a comprehensive medical evaluation or full clinical assessment by a qualified healthcare professional; and
• Any reliance placed on such outputs is entirely at the user’s sole risk, including for health, financial, or personal decisions.

Users further acknowledge that AI-generated insights and outputs must not be relied upon for clinical, diagnostic, or treatment decisions, and users must consult qualified healthcare professionals before making any health-related decisions.

8.2 Limitation of Liability (AI Services)

To the fullest extent permitted under applicable law, the Company shall not be liable for any losses or damages, whether direct or indirect, incidental, consequential, special, or punitive, arising out of or in connection with:

• The use of, or reliance upon, AI-generated outputs or insights;

• Any inaccuracies, errors, or limitations in such outputs;

• Loss of data, financial loss, personal injury, or any adverse outcomes resulting from the use of AI-based features.

8.3 Availability of AI Features

The Company does not warrant that AI-based features or functionalities will be:

• Uninterrupted, timely, secure, or error-free; or

• Continuously available at all times.

The Company reserves the right to modify, update, restrict, suspend, or discontinue any AI-related features or services at its sole discretion, without prior notice.

8.4 Use of Data and Privacy

AI-based services may require the processing of user-provided information and inputs. Such processing shall be carried out in accordance with:

• The Company’s Privacy Policy; and

• Applicable data protection laws, including the Digital Personal Data Protection Act, 2023.

Users are advised not to submit sensitive personal, medical, or confidential information unless expressly required and permitted under the Platform’s policies.

8.5 Third-Party Technologies

Certain AI functionalities may rely on third-party systems, tools, or service providers. The Company shall not be responsible or liable for:

• The accuracy, reliability, availability, or performance of such third-party technologies; or

• Any disruption, error, or limitation arising from their use.

PART 4 — DIAGNOSTIC SERVICES AND THIRD-PARTY LABORATORIES

9.1 Diagnostic Laboratory Services

The Platform shall facilitate the booking, coordination, and management of diagnostic testing services through independent third-party laboratories (“Diagnostic Partners”).

The Company acts solely as a technology intermediary and does not provide diagnostic, medical, or laboratory services. All diagnostic services are performed by the respective Diagnostic Partners, who are independent entities and solely responsible for the accuracy, quality, and delivery of such services.

By using the Platform, the user expressly acknowledges and consents that:

• Diagnostic test reports shall be generated and issued by the Diagnostic Partner and shared directly with the Company for the limited purpose of processing, analysis, and generation of health insights;

• The Company may analyze such reports and associated data to provide health-related insights, analytics, or summaries to the user through the Platform; and

• The diagnostic report and any related outputs shall be made available to the user only through the Company’s Platform, in accordance with its policies and applicable law.

The user further acknowledges that the Company shall not be responsible or liable for any acts, omissions, errors, or deficiencies on the part of the Diagnostic Partners, including but not limited to the accuracy, completeness, or timeliness of diagnostic reports issued by the Diagnostic Partners.

9.2 User Consent for Diagnostic Data Collection, Sharing, and Processing

By accessing or using the Platform and availing diagnostic services through it, the user provides explicit, informed, and affirmative consent for the following:

• The collection, receipt, and processing of their personal and health-related data, including but not limited to diagnostic test results, biomarker data, and related information, by the Company;

• The sharing of such data by the Diagnostic Partner with the Company for the purposes of report aggregation, analysis, and generation of health insights, scores, and related outputs;

• The use of such data by the Company to provide AI-driven insights, analytics, and wellness-related information through the Platform; and

• The storage and processing of such data in accordance with the Company’s Privacy Policy and applicable data protection laws, including the Digital Personal Data Protection Act, 2023.

The user acknowledges that such consent is necessary for the provision of the Services and that, without such consent, the Company may be unable to provide certain features or functionalities of the Platform.

The user further understands and agrees that:

• The Company shall act as the Data Fiduciary, and the Diagnostic Partner shall act as a Data Processor (or independent data fiduciary, as applicable under law);

• Data shall be processed strictly for the purposes stated herein and shall not be used for unrelated activities without additional consent; and

• The user retains the right to withdraw consent, request access, correction, or deletion of their personal data, subject to applicable legal and contractual limitations.

10. Independent Nature of Providers and Limitation of Responsibility

All Diagnostic Partners, sample collection agencies, and testing facilities accessible through the Platform operate as independent third-party service providers. The Company functions solely as a technology facilitator that enables users to connect with such Diagnostic Partners and does not own, manage, control, or supervise their operations.

In particular:

• Diagnostic Partners operate independently and in accordance with their own internal protocols, professional standards, and all applicable medical, laboratory, and regulatory requirements.

• Such service providers are responsible for maintaining all necessary licenses, certifications, accreditations, and regulatory approvals required to conduct diagnostic and laboratory services under applicable healthcare laws.

• All activities relating to diagnostic services—including sample collection, transportation, laboratory testing, analysis, preparation of reports, and disposal of biological material—are performed exclusively by the respective Diagnostic Partner.

• All clinical decisions, medical interpretations, and professional judgments relating to diagnostic testing, results, or recommendations are made solely by the relevant Diagnostic Partner or medical professional. The Company does not review, verify, audit, or validate the accuracy, completeness, reliability, or medical relevance of any diagnostic report generated by such providers.

• Diagnostic Partners are not employees or agents of the Company.

To the maximum extent permitted under applicable law, the Company shall not be liable for any claims, damages, losses, or medical consequences arising from or related to:

• the accuracy or reliability of diagnostic test results
• delays, errors, or complications in sample collection or testing
• incorrect or incomplete reports issued by Diagnostic Partners
• clinical interpretations made by third-party healthcare professionals
• any actions taken by users in reliance on diagnostic results

11. Diagnostic Liability Clause

The Company does not:

• perform laboratory testing

• interpret diagnostic reports

• verify report accuracy

• provide clinical conclusions

All responsibility for diagnostic accuracy rests with the relevant laboratory or medical provider. Any concerns, disputes, or claims relating to diagnostic services must be addressed directly with the relevant Diagnostic Partner.

PART 5 — USER ACCOUNTS AND DATA

12. Account Registration

Certain Services may require creation of a registered account.

Users must provide accurate information including:

• name

• contact details

• demographic information

• authentication credentials

13. Account Security

Users are responsible for:

• maintaining confidentiality of login credentials

• restricting access to their account

• all activities occurring under their account

The Company shall not be liable for losses arising from the User's failure to maintain the confidentiality of their credentials.

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PART 6 — DATA PROTECTION AND DPDP ACT COMPLIANCE

14. Definitions of Personal Data

For the purposes of these Terms:

“Personal Data” refers to any information relating to an identified or identifiable individual as defined under the Digital Personal Data Protection Act, 2023 (“DPDP Act”).

“Sensitive Personal Data or Information” includes categories of information defined under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, including health-related data, biometric data, and other sensitive identifiers.

Additional details regarding the collection, use, and protection of such information are described in the Platform’s Privacy Policy, which forms an integral part of these Terms.

15. Collection of Personal and Usage Information

In order to provide and improve its Services, the Platform shall collect and process certain categories of information including:

• personal identification information provided during registration
• contact information such as email address and telephone number
• health-related data voluntarily uploaded by Users, including diagnostic reports or biomarker data
• device information such as IP address, browser type, operating system, and device identifiers
• usage analytics and interaction data relating to how Users access and use the Platform

Such information may be collected directly from Users, automatically through system logs, or through integrations with authorized third-party service providers.

The information collected is used solely for legitimate purposes including service delivery, platform functionality, security monitoring, analytics, and improvement of the Platform.

16. User Communication

By registering on the Platform or providing contact information, Users consent to receive communications from the Company relating to:

• account notifications
• service updates
• appointment confirmations or reminders
• diagnostic service coordination
• customer support interactions
• feedback or service improvement surveys

Such communications may be sent through WhatsApp, email, SMS, phone calls, or in-app notifications.

Users may opt out of certain non-essential communications where permitted by applicable law.

17. Privacy Policy and Data Processing Framework

The Platform’s Privacy Policy explains in detail:

• the categories of personal and health-related data collected
• the purposes for which such data is processed
• the legal basis for processing such data
• the circumstances under which data may be shared with third parties
• data retention and storage practices
• security safeguards implemented to protect personal data
• rights available to Users under applicable data protection laws

Users are encouraged to review the Privacy Policy carefully before using the Platform.

18. Informed Consent for Data Processing

By accessing or using the Platform, Users expressly consent to the collection, processing, storage, and use of their personal data in accordance with these Terms and the Privacy Policy.

Users acknowledge that certain Services offered by the Platform may require the processing of health-related data voluntarily provided by them.

Such processing is carried out strictly for the purposes of providing wellness insights, service facilitation, and improving the Platform.

Users may withdraw consent at any time by following the procedure in the Privacy Policy. Upon withdrawal, the Company shall cease processing except to the extent required by law or to fulfil a pre-existing contractual obligation. Withdrawal shall not affect the lawfulness of processing carried out prior to withdrawal.

19. Health Data Consent and User Responsibility

Users acknowledge that the Platform may process health-related information including diagnostic reports, biomarker values, wellness metrics, and lifestyle inputs that Users voluntarily provide.

Users represent and warrant that:

• they are authorized to provide such health information
• the information submitted is accurate to the best of their knowledge
• the information is provided voluntarily

The Platform does not independently verify the authenticity, medical accuracy, or completeness of such information.

Users remain solely responsible for the correctness and legitimacy of the data submitted.

20. Artificial Intelligence, Data Processing and Ownership

The Platform may utilize artificial intelligence, machine learning algorithms, and automated analytical systems to process user-provided data and generate informational insights.

Users acknowledge that:

• AI outputs are generated based on probabilistic models
• AI insights may evolve as algorithms improve
• such outputs are informational and not medical determinations
• AI processing may involve analysis of anonymized or aggregated data

The Company may use anonymized or de-identified datasets for research, analytics, model training, and improvement of Services.

Under no circumstances shall AI outputs be considered medical advice, diagnosis, or clinical recommendations. Users must consult qualified healthcare professionals before making health decisions.

21 Ownership of Anonymized Data, AI Models, and Outputs

The Company shall exclusively own and retain all rights, title, and interest in and to any anonymized, de-identified, or aggregated datasets derived from personal data, provided that such datasets do not directly or indirectly identify any individual.

You acknowledge and agree that the Company shall further own all rights, title, and interest in any algorithms, models, systems, analyses, insights, and other derivative works developed, trained, or generated using such anonymized or aggregated data.

The Company shall also retain ownership of all underlying intellectual property in any outputs, reports, scores, analytics, visualizations, or insights generated through the Platform, including those produced using artificial intelligence or automated systems (“AI Outputs”).

Subject to your compliance with these Terms, you are granted a limited, non-exclusive, non-transferable, and revocable right to access and use such AI Outputs solely for your personal, non-commercial purposes. No ownership or proprietary rights in such outputs are transferred to you.

You shall not:

• copy, reproduce, distribute, or commercially exploit AI Outputs
• use AI Outputs to develop competing products or services
• reverse engineer, extract, or attempt to derive underlying models or methodologies

For the avoidance of doubt, all anonymized datasets, AI models, algorithms, and AI Outputs shall form part of the Company’s intellectual property. Except for the limited usage rights expressly granted herein, you shall have no rights, title, or interest in or to such data, models, or outputs.

22. Accuracy of User Information

Users are responsible for ensuring that the information they provide to the Platform is accurate, current, and complete. The User shall not upload fabricated diagnostic reports, misuse Services, attempt unauthorized access, reverse engineer algorithms, distribute platform outputs commercially.

If a User provides information that is false, misleading, outdated, or incomplete, or if the Company reasonably suspects such information to be inaccurate, the Company reserves the right to suspend or terminate access to the Platform or its Services at its sole discretion.

23. Use of Data for Platform Improvement

Information collected through the Platform may be used for operational purposes including:

• technical troubleshooting
• resolving customer support requests
• improving platform performance
• enhancing security systems
• developing new features or services

Such processing may involve anonymized or aggregated datasets where appropriate.

24. Disclaimer of Warranties

The Platform and its Services are provided on an “as available” and “as is” basis.

To the maximum extent permitted by applicable law, the Company disclaims all warranties, whether express or implied, including but not limited to:

• merchantability
• fitness for a particular purpose
• accuracy or completeness of content
• uninterrupted service availability
• non-infringement of third-party rights

The Company makes no representations or guarantees regarding the accuracy, reliability, or completeness of information or content provided on the Platform.

The Platform is a wellness and health intelligence platform, not a medical service provider. The Platform provides general wellness, educational, and informational insights based on biomarker data only. It does not offer medical advice, diagnosis, or treatment of any kind.

All information, reports, scores, biomarker interpretations, risk indicators, and recommendations provided by the Platform are for informational purposes only and are non-diagnostic in nature. They are not a substitute for professional medical advice and must not be interpreted as clinical conclusions or predictive medical outcomes. Users should always consult a qualified healthcare professional before making any health, lifestyle, or medical decisions.

The Company does not claim, guarantee, or imply the prevention, diagnosis, treatment, or cure of any disease or medical condition. It does not guarantee or assure any improvement in health outcomes, reduction in disease risk, or changes in longevity or life expectancy. All insights are general, probabilistic, and informational — not definitive.

By using the Platform, you acknowledge that any action taken based on its insights is at your own discretion and risk.

25. Third-Party Websites and External Services

The Platform may contain links to websites operated by third parties, including partners, affiliates, or external service providers.

The Company does not control or supervise such websites and shall not be responsible for the content, security practices, accuracy, or reliability of such third-party platforms.

Accessing third-party websites through links provided on the Platform is done entirely at the User’s own risk.

26. Technical Risks and Platform Access

While the Company implements reasonable security measures to safeguard Users, the Company assumes no responsibility for any damage to a User’s device, system, or data resulting from accessing, browsing, or downloading materials from the Platform.

This includes damage caused by viruses, malware, system failures, or other technical disruptions.

If a User is dissatisfied with any aspect of the Platform, the User’s sole remedy is to discontinue use of the Services.

PART 7 — USER CONDUCT

27. Acceptable Use

Users shall use the Platform strictly in accordance with these Terms and applicable laws, and shall not:

• submit any false, inaccurate, or misleading health or personal information
• upload, share, or rely on fabricated, manipulated, or unauthenticated diagnostic reports
• engage in any activity that misuses, exploits, or interferes with the Services
• attempt to bypass, breach, or gain unauthorized access to the Platform, its infrastructure, or associated systems
• reverse engineer, decode, extract, or otherwise attempt to derive the underlying logic, algorithms, or technology of the Platform
• reproduce, distribute, monetize, or commercially exploit any Platform content, insights, or outputs without prior written authorization

The Company reserves the right to immediately suspend, restrict, or terminate access in the event of any violation of this clause, and to initiate appropriate legal action, including claims for damages.

28. Prohibited Content and Cyber Misuse

In addition to the obligations set out in these Terms, Users shall not upload, post, transmit, store, or otherwise make available any content or engage in any activity that:

(a) Prohibited Content

• is false, misleading, or intended to deceive other Users or the Platform
• is defamatory, obscene, offensive, abusive, harassing, threatening, or unlawful
• violates the privacy, confidentiality, or rights of any individual or entity
• infringes any intellectual property rights, including copyrights, trademarks, or trade secrets
• relates to or promotes illegal activities, including fraud, money laundering, or unauthorized medical practices
• is harmful to minors or exploits vulnerable individuals
• contains or promotes hate speech, discrimination, or violence on the basis of religion, race, gender, caste, nationality, or any other protected characteristic
• involves impersonation of any person or misrepresentation of affiliation with any entity
• includes unauthorized medical claims, guarantees of treatment outcomes, or misleading health-related statements

(b) Cyber Misuse and Platform Abuse

Users shall not:

• attempt to gain unauthorized access to any portion of the Platform, its servers, databases, or networks
• introduce viruses, malware, ransomware, spyware, or any harmful code into the Platform
• engage in scraping, data mining, harvesting, or extraction of data without authorization
• interfere with, disrupt, or degrade the integrity, performance, or security of the Platform
• attempt to bypass, disable, or circumvent any security features or access controls
• use automated tools, bots, scripts, or crawlers to access or interact with the Platform without prior permission
• probe, scan, or test vulnerabilities of the Platform or associated systems
• overload or disrupt the Platform infrastructure through excessive requests or denial-of-service activities

(c) Consequences of Violation

Without limiting any other rights available under law, the Company reserves the right to:

• immediately suspend or terminate User access
• remove or block any offending content
• restrict access to specific features or Services
• report unlawful activities to relevant authorities
• initiate legal action, including claims for damages

Users shall be liable to indemnify the Company for any loss, damage, liability, or expense arising out of violations of this clause.

(d) Monitoring and Enforcement

The Company reserves the right (but not the obligation) to monitor User activity and content on the Platform to ensure compliance with these Terms and applicable laws.

(e) Compliance with Applicable Laws

Users agree to comply with all applicable laws, including but not limited to:

• Information Technology Act, 2000

• Digital Personal Data Protection Act, 2023

• Applicable healthcare and advertising regulations

PART 8 — PAYMENTS, BILLING, AND FINANCIAL TERMS

29. Paid Services and Pricing

Certain features and services available on the Platform may be offered on a paid basis. Such paid offerings may include, without limitation:

• Subscription plans

• Premium analytics, reports, or health insights

• Diagnostic service coordination

• Bundled, customized, or value-added service packages

All fees payable by the user shall be as specified on the Platform at the time of purchase and may include applicable taxes, including Goods and Services Tax (GST), and any other charges levied by the Company.

By proceeding with any payment, the user expressly agrees to pay all applicable charges, taxes (including GST), and associated fees in connection with the selected Services.

The Company reserves the right to modify, revise, or update pricing at its sole discretion at any time. Any such changes shall be effective prospectively and shall not affect transactions already completed.

30. Subscription, Renewal, and Billing Authorization

Where Services are offered on a subscription basis:

• Subscriptions shall automatically renew at the end of each applicable billing cycle, unless cancelled by the user prior to the renewal date in accordance with the Platform’s cancellation procedures.

• By subscribing, the user expressly authorizes the Company and/or its authorized payment partners to charge the user’s designated payment method on a recurring basis for applicable subscription fees, including any taxes and charges, until such subscription is duly cancelled.

• Failure to cancel a subscription prior to the renewal date may result in automatic billing for the subsequent billing cycle, without further notice.

Users shall be solely responsible for monitoring and managing their subscription status, including renewal dates, payment obligations, and cancellation requests.

31. Payment Processing and Third-Party Gateways

All payments made on the Platform are processed through authorized third-party payment service providers. The Company does not store or retain complete financial credentials, including full card details.

By making a payment, the user acknowledges and agrees that:

• All payment transactions shall be subject to the terms and conditions of the respective third-party payment service provider.

• The Company shall not be liable for any failure, delay, decline, or error in processing payments arising from third-party systems or services.

• Successful completion of any transaction is subject to authorization by the user’s issuing bank or financial institution.

32. No Refund and Cancellation Policy

To the maximum extent permitted under applicable law:

• All Services that have been fully rendered, completed, or consumed shall be strictly non-refundable.

• Confirmed bookings, including but not limited to diagnostic and related services, shall not be eligible for cancellation or refund, except as expressly permitted by the Company.

• Subscriptions that have been partially utilized shall not be eligible for any pro-rata or partial refunds.

Any exception to the above shall be solely at the discretion of the Company and governed strictly in accordance with the Company’s officially published refund and cancellation policy, as may be amended from time to time.

33. Chargeback and Payment Dispute Protection

Users agree not to initiate any chargeback, reversal, or payment dispute with their payment provider without first contacting the Company and providing a reasonable opportunity to resolve the issue.

In the event of any unjustified or fraudulent chargeback:

• The Company reserves the right to suspend or terminate the user’s account, without prejudice to its other rights.

• The user shall be liable for the full disputed amount, together with any applicable chargeback fees, penalties, bank charges, or administrative costs incurred by the Company.

• The Company shall have the right to recover such amounts through appropriate legal remedies, including but not limited to initiating recovery proceedings.

34. Fraud Prevention and Payment Security

The Company reserves the right, at its sole discretion, to:

• Verify and validate transactions prior to confirmation or processing;

• Request additional information, documentation, or identity verification from users, where deemed necessary;

• Cancel, suspend, or refuse any transaction that is suspected to involve fraud, misuse, unauthorized activity, or violation of these Terms.

Users acknowledge and agree that any fraudulent, suspicious, or unlawful activity, including but not limited to the use of stolen payment instruments or provision of false or misleading information, may result in:

• Immediate suspension or termination of access to the Platform;

• Reporting of such activity to appropriate law enforcement or regulatory authorities; and

• Initiation of civil and/or criminal proceedings, as may be applicable under law.

PART 9 — INTELLECTUAL PROPERTY RIGHTS

35. Ownership of Intellectual Property

All rights, title, and interest, including all intellectual property rights, in and to the Platform, including but not limited to:

• The underlying software, source code, and architecture;

• Proprietary algorithms, models, and methodologies;

• User interfaces, dashboards, designs, and visual elements;

• All reports, analytics, insights, and generated outputs;

• Trademarks, trade names, logos, and branding elements; and

• All databases, data structures, and system configurations

shall remain the exclusive property of the Company or its licensors, as applicable.

Nothing contained in these Terms shall be construed as granting or transferring to any user any ownership, title, or proprietary interest in or to the Platform or its components, except for a limited, non-exclusive, revocable right to access and use the Platform in accordance with these Terms.

36. Limited License to Users

Subject to the User’s compliance with these Terms, the Company grants a limited, non-exclusive, non-transferable, non-sublicensable and revocable license to access and use the Platform strictly for personal and non-commercial purposes.

Users shall not, without the prior written consent of the Company:

• Copy, reproduce, distribute, publish, or modify any content, material, or information made available on the Platform;

• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the underlying source code, algorithms, models, or logic of the Platform;

• Sell, license, sublicense, monetize, or commercially exploit any data, insights, reports, or outputs obtained through the Platform;

• Use the Platform or any of its content for commercial, competitive, benchmarking, or other unauthorized purposes.

Any unauthorized use, misuse, or infringement of the Platform or its intellectual property rights may result in immediate suspension or termination of access, in addition to the Company’s right to pursue appropriate legal remedies, including civil and/or criminal action.

PART 10 — LIMITATION OF LIABILITY

37. Exclusion of Liability

To the maximum extent permitted under applicable law, the Company shall not be liable for any:

• Indirect, incidental, special, or consequential damages, of any nature whatsoever;

• Loss of profits, revenue, business opportunities, goodwill, or anticipated savings;

• Any decisions made or actions taken by users based on insights, analytics, reports, or outputs generated through the Platform;

• Acts, omissions, failures, errors, or deficiencies in services provided by any third-party service providers; Interruptions, delays, disruptions, or technical issues, including system failures or downtime, affecting access to or use of the Platform.

38. Limitation of Financial Liability

In no event shall the total aggregate liability of the Company, whether arising in contract, tort (including negligence), or otherwise, exceed the total amount actually paid by the User to the Company for the Services during the twelve (12) months immediately preceding the event giving rise to the claim.

PART 11 — INDEMNIFICATION

39. Indemnification

Users agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Any misuse, abuse, or unauthorized use of the Platform;

• Submission or provision of any false, inaccurate, incomplete, or misleading information by the user;

• Any disputes, claims, or liabilities involving third-party service providers engaged through or in connection with the Platform;

• Any breach or violation of these Terms or applicable laws, rules, or regulations.

PART 12 — DISPUTE RESOLUTION

40. Amicable Settlement

In the event of any dispute or disagreement, the parties shall first attempt to resolve the matter through good faith negotiations and mutual discussions.

41. Arbitration

In the event that any dispute cannot be resolved amicably within a reasonable period, the User agrees such dispute shall be referred to and finally resolved by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time.

• The arbitration shall be conducted by a sole arbitrator, appointed in accordance with applicable law;

• The arbitration proceedings shall be conducted in the English language; and

• The arbitral award shall be final and binding upon the Parties.

42. Seat and Jurisdiction

The seat and venue of arbitration shall be New Delhi, India.

Subject to the above, courts located in Delhi shall have exclusive jurisdiction for the purposes of enforcement of arbitral awards and related proceedings.

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

PART 13 — MISCELLANEOUS

43. Force Majeure

The Company shall not be liable for any delay, interruption, or failure in the performance of its obligations under these Terms to the extent such delay or failure is caused by events beyond its reasonable control, including but not limited to:

• Acts of God, natural disasters, or other force majeure events;

• Cyber incidents, hacking, unauthorized access, or security breaches;

• Changes in applicable laws, regulations, or governmental actions;

• Infrastructure failures, including power outages, system failures, or network disruptions.

The Company shall notify the affected party in writing of the occurrence of any such force majeure event within 15 (fifteen) days or as soon as reasonably practicable from the date of its occurrence, providing reasonable details of the nature of the event and the extent of its impact on performance. The Company shall use commercially reasonable efforts to mitigate the effects of the force majeure event and resume performance as soon as practicable.

44. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a competent authority, such provision shall be deemed severed, and the remaining provisions shall continue in full force and effect.

45. Entire Agreement

These Terms, together with the Privacy Policy and any other applicable policies, constitute the complete and exclusive agreement between the User and the Company with respect to the use of the Platform, superseding all prior understandings or agreements.

PART 14 — MEDICAL DISCLAIMER AND NO DOCTOR-PATIENT RELATIONSHIP

46. No Substitute for Professional Medical Advice

The Services provided by the Company, including without limitation any AI-generated insights, analytics, reports, or chat-based interactions, are intended solely for informational and educational purposes and do not constitute a substitute for professional medical advice, diagnosis, or treatment.

The Company strongly recommends that users seek the advice of a qualified healthcare professional for any questions relating to their health, diagnosis, treatment, or medical condition. Users expressly agree to follow this recommendation and acknowledge that any reliance on the Services is at their own risk.

Users further agree that they shall not delay, disregard, or avoid seeking medical care from a qualified healthcare professional based on any information or output obtained through the Platform, including AI-based features or interactions. The Company shall use reasonable efforts to ensure that Platform outputs do not contain misleading health reassurances. Notwithstanding the foregoing, Users must independently verify all health-related information with qualified professionals.

In the event of a medical emergency, users are advised to immediately contact emergency services or seek urgent medical attention.

47. No Doctor–Patient or Clinical Relationship

Accessing or using the Platform, including any content, Services, or products provided by the Company, does not establish a doctor–patient, clinician–patient, or laboratory–patient relationship between the user and:

• The Company; or

• Any healthcare provider, diagnostic laboratory, or third-party service provider available through the Platform.

48. Lab Results Might Differ from Expectations

The Company endeavours to provide users with access to their laboratory results in a timely and reliable manner. However, users acknowledge and understand that lab results may differ from expectations and may, in certain cases, contain sensitive, distressing, or life-altering information.

Users further acknowledge that it is common to have questions, concerns, or uncertainty in relation to such results, and agree that they should consult a qualified healthcare professional to appropriately interpret and address any such concerns.

PART 15 — CONTACT AND GRIEVANCE

49. Contact and Grievance

For any queries, concerns, or complaints relating to these Terms or the Platform, Users may contact:

Intelligence First Pvt. Ltd.

A-37 Mayapuri Industrial Area

Phase-II, New Delhi – 110064

India

Email: info@me100.in

The Grievance Officer shall resolve them in accordance with applicable law.

PART 16— TERMINATION AND SUSPENSION

1. Termination and Suspension

The Company reserves the right, at its sole discretion, to suspend, restrict, or terminate a User’s access to the Platform or Services, in whole or in part, at any time, with or without prior notice, if:

• the User breaches any provision of these Terms;
• the Company reasonably suspects misuse, unauthorized activity, or violation of applicable laws;
• required to do so by law, regulatory authority, or court order; or
• continued provision of Services becomes commercially or technically unfeasible.

The User may terminate their account at any time by discontinuing use of the Platform and requesting account deletion in accordance with the procedures set out in the Privacy Policy.

Upon termination:

• the User’s right to access and use the Platform shall immediately cease;
• any outstanding payment obligations shall become immediately due;
• the Company may retain and process User data in accordance with applicable law and the Privacy Policy; and
• all provisions which by their nature are intended to survive termination, including but not limited to provisions relating to intellectual property, disclaimers, limitation of liability, indemnity, and dispute resolution, shall continue to remain in full force and effect.

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