Terms & Conditions

1. About Oronzo LLP

Oronzo LLP is a Limited Liability Partnership incorporated and validly existing under the Limited Liability Partnership Act, 2008, bearing LLPIN [LLPIN: AAA-1234] and GSTIN [GSTIN: 36AAAAA0000A1Z5], with its registered office at WeWork, K. Raheja Mindspace, Survey No. 64, Building No. 9, Madhapur, Shaikpet, Hyderabad – 500081, Telangana, India.

Oronzo operates a multi-vertical portfolio of digital products spanning healthcare, financial technology, enterprise IT, and collaboration. References to "we", "us", "our", or "Oronzo" include Oronzo LLP, its authorised affiliates, designated partners, employees, and contractors.

2. Definitions & Interpretation

• "Applicable Law"means all statutes, rules, regulations, notifications, circulars, and directions issued by competent authorities in India that are applicable to a party, including but not limited to the IT Act 2000 and rules thereunder, the Digital Personal Data Protection Act 2023 ("DPDP Act"), the Consumer Protection Act 2019, the Consumer Protection (E-Commerce) Rules 2020, the Goods and Services Tax laws, and the Indian Penal Code 1860.
• "User Content" means any text, image, file, message, code, or other material uploaded, transmitted, or made available by a User through the Platform.
• "Subscription" means any recurring or one-time paid subscription to a product offered by Oronzo.
• "Personal Data" has the meaning ascribed to it in Section 2(t) of the DPDP Act 2023.

Words importing the singular include the plural and vice-versa; references to any statute include any statutory modification or re-enactment.

3. Eligibility & Account

3.1 Capacity to Contract

You represent and warrant that you are at least eighteen (18) years of age and otherwise competent to contract under Section 11 of the Indian Contract Act, 1872. Minors, undischarged insolvents, and persons of unsound mind are not permitted to register or transact on the Platform on their own account.

3.2 Registration

You agree to provide accurate, current, and complete information during registration and to update such information promptly. You are solely responsible for safeguarding your login credentials and for all activities that occur under your account.

3.3 KYC & Verification

For certain products (notably F-Cube and Curex24 Clinic), Oronzo or its regulated partners may require Know-Your-Customer (KYC) verification, professional credential verification (e.g., NMC/State Medical Council registration for medical practitioners), or business verification. Provision of false or forged documents will result in immediate termination and may be reported to law-enforcement authorities.

4. Description of Services

Oronzo offers a portfolio of SaaS and digital services. The current product catalogue includes:

• Curex24 — Telemedicine, e-prescription, and on-demand patient care services connecting Users with registered medical practitioners.
• Curex24 Clinic — Clinic management software covering appointments, Electronic Medical Records (EMR), billing, and pharmacy workflows.
• F-Cube — Financial infrastructure software for payments, lending workflows, and treasury operations, operating only as a technology service provider and not as a regulated financial entity.
• Oronzo Desk — IT incident detection, on-call routing, and resolution tooling for engineering teams.
• Retro Board — Asynchronous agile retrospective software for distributed teams.

We may add, modify, or discontinue any product or feature at any time, with reasonable prior notice where practicable.

5. Product-Specific Supplemental Terms

The supplemental terms below apply in addition to these master Terms. In the event of a conflict between the master Terms and the supplemental terms for a specific product, the product-specific terms shall prevail solely with respect to that product.

5.1 Curex24 & Curex24 Clinic — Healthcare

• Regulatory framework. Curex24 operates as a technology platform that facilitates teleconsultation in accordance with the Telemedicine Practice Guidelines, 2020 issued under the Indian Medical Council Act, the National Medical Commission Act, 2019, and Regulation 3.7 of the IMC (Professional Conduct, Etiquette and Ethics) Regulations 2002 (as amended).
• No emergency service. Curex24 is NOT an emergency service. In a medical emergency, the User must immediately call 108 / 112 or visit the nearest hospital. Oronzo accepts no responsibility for delays in seeking emergency care.
• Registered Medical Practitioners (RMPs). Only practitioners holding a valid registration with the National Medical Commission or a State Medical Council may render consultations through the Platform. The RMP, and not Oronzo, is solely responsible for the medical advice, diagnosis, prescription, and follow-up provided.
• E-prescriptions & Drugs. Issuance of prescriptions complies with the Drugs and Cosmetics Act 1940, the Drugs and Cosmetics Rules 1945, and Schedule H/H1/X restrictions. Schedule X and certain narcotic medications cannot be prescribed through tele-consultation.
• Clinical Establishments.Use of Curex24 Clinic does not, by itself, discharge a clinic's obligations under the Clinical Establishments (Registration and Regulation) Act, 2010 or corresponding state legislation. Clinics remain solely responsible for their statutory registrations.
• Health data.Health data is "sensitive personal data" under the SPDI Rules 2011 and is processed in line with our Privacy Policy and the National Digital Health Mission's Health Data Management Policy where applicable.

5.2 F-Cube — Financial Infrastructure

• Not an RBI-regulated entity. Oronzo / F-Cube is not a bank, NBFC, payment aggregator, payment gateway, or pre-paid instrument issuerunder the Banking Regulation Act 1949, the RBI Act 1934, the Payment and Settlement Systems Act 2007, or any RBI directions. F-Cube is a software-as-a-service product and any underlying payment, lending, or treasury services are provided by Users' own banks, regulated payment aggregators, NBFCs, or licensed lenders.
• No financial advice. Information, dashboards, analytics, or outputs generated by F-Cube are for informational purposes only and do not constitute investment advice, tax advice, or legal advice within the meaning of the SEBI (Investment Advisers) Regulations 2013 or applicable laws.
• PCI-DSS & PA-DSS. Where cardholder data is processed, it is routed through PCI-DSS / PA-DSS compliant partners. Oronzo does not store full card numbers or CVVs on its own infrastructure.
• Anti-Money Laundering. Users undertake to use F-Cube only for lawful purposes and not to facilitate any transaction prohibited under the Prevention of Money Laundering Act, 2002 or the Foreign Exchange Management Act, 1999.

5.3 Oronzo Desk — IT Incident Management

• Oronzo Desk is a productivity tool. It does not replace the customer's own obligations to maintain redundancy, business continuity, or disaster recovery for its systems.
• Where a paid Service Level Agreement (SLA) is signed, target uptime and incident response commitments are set out in that SLA. In the absence of a separately signed SLA, Oronzo Desk is provided on a commercially reasonable best-efforts basis with no guaranteed uptime.
• The customer is solely responsible for the lawfulness of alerts, payloads, and data ingested into Oronzo Desk.

5.4 Retro Board — Collaboration

• Retro Board is a collaboration tool. Board owners and workspace administrators are responsible for content posted by their team members, including ensuring it does not violate Section 6 (Acceptable Use) or third-party rights.
• Free-tier boards may be subject to data retention and feature limits, which Oronzo may modify with reasonable notice.

6. User Obligations & Acceptable Use

In accordance with Rule 3(1)(b) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, you agree that you shall not host, display, upload, modify, publish, transmit, store, update, or share any information that:

1. belongs to another person and to which you do not have any right;
2. is defamatory, obscene, pornographic, paedophilic, invasive of privacy (including bodily privacy), insulting or harassing on the basis of gender, racially or ethnically objectionable, or otherwise inconsistent with or contrary to the laws in force;
3. is harmful to a child in any manner;
4. infringes any patent, trademark, copyright, or other proprietary rights;
5. deceives or misleads the addressee about the origin of the message or knowingly communicates any information that is patently false or misleading in nature;
6. impersonates another person;
7. threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognisable offence;
8. contains software viruses, worms, or any other malicious code designed to interrupt, destroy, or limit the functionality of any computer resource;
9. is patently false or untrue, written with the intent to mislead or harass any person.

You shall not (a) attempt to circumvent authentication or access controls; (b) probe, scan, or test the vulnerability of any Oronzo system without prior written authorisation; (c) decompile, reverse-engineer, or disassemble any software except as expressly permitted by law; (d) scrape, crawl, or use automated agents on the Platform other than through documented APIs and within published rate limits; (e) resell or sublicense the services without our prior written consent.

7. User Content & Intermediary Status

Oronzo is an "intermediary" within the meaning of Section 2(1)(w) of the IT Act 2000 in respect of User Content. You retain ownership of User Content; however, by uploading it you grant Oronzo a worldwide, royalty-free, non-exclusive, sub-licensable licence to host, store, process, transmit, display, and back-up such content solely to the extent necessary to operate the Platform and provide the services.

In compliance with Rule 3(2) of the IT Rules 2021, Oronzo will acknowledge complaints regarding unlawful content within twenty-four (24) hours and dispose of them within fifteen (15) days. Take-down notices may be addressed to the Grievance Officer (Section 18).

8. Fees, Taxes & Billing

• Subscription fees, one-time charges, and usage-based fees are specified on the relevant product's pricing page and are exclusive of GSTunless stated otherwise. GST and other applicable taxes will be added at the prevailing statutory rate.
• All payments are processed through PCI-DSS-compliant payment processors. Oronzo does not store full card numbers on its own servers.
• Subscriptions auto-renew unless cancelled in accordance with Section 11 and our Refund Policy.
• Invoices compliant with the CGST Rules will be issued for every taxable supply.
• Oronzo reserves the right to change prices with at least thirty (30) days' prior notice; price changes will not apply to the unexpired portion of a pre-paid annual subscription.

9. Privacy & Data Protection

Oronzo processes Personal Data as a Data Fiduciary under the DPDP Act 2023 in accordance with our Privacy Policy, which is incorporated into and forms an integral part of these Terms. Where you process Personal Data of third parties through the Platform (for example, your customers, patients, or team-members), you shall be the Data Fiduciary and Oronzo shall act as a Data Processor on your documented instructions.

Key principles:

• Lawful, fair, and transparent processing on notice and consent;
• Purpose limitation, data minimisation, and storage limitation;
• Reasonable security safeguards under Section 8(5) of the DPDP Act and the SPDI Rules 2011;
• Recognition of Data Principal rights under Chapter III of the DPDP Act.

10. Data Security

Oronzo maintains reasonable security practices and procedures within the meaning of Section 43A of the IT Act 2000 read with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011("SPDI Rules"), aligned with widely accepted standards such as ISO/IEC 27001 and the NIST Cybersecurity Framework.

10.1 Technical Measures

• TLS 1.2+ for data in transit and AES-256 (or stronger) for data at rest where appropriate.
• Role-Based Access Control (RBAC) and the principle of least privilege.
• Multi-factor authentication for all privileged production access.
• Regular vulnerability scanning, dependency monitoring, and periodic penetration testing.
• Encrypted, geographically segregated back-ups with documented recovery procedures.

10.2 Organisational Measures

• Mandatory security & privacy training for all personnel.
• Written Data Processing Agreements with all material sub-processors.
• Incident response and business-continuity plans, reviewed at least annually.

10.3 Breach Notification

In the event of a personal data breach, Oronzo will notify the Data Protection Board of India and affected Data Principals as required by Section 8(6) of the DPDP Act and, in the case of cybersecurity incidents, will report to CERT-In within six (6) hours under the CERT-In Directions dated 28 April 2022.

10.4 Your Responsibility

You are responsible for keeping your credentials confidential, enabling multi-factor authentication where offered, and notifying us immediately at grievance@oronzo.io of any suspected unauthorised access.

11. Refunds & Cancellations

Refunds and cancellations are governed by our Refund Policy which is published in accordance with Rule 5(3) of the Consumer Protection (E-Commerce) Rules, 2020 and is incorporated into these Terms by reference. Please review it carefully before purchasing.

12. Intellectual Property

All software, code, designs, trade-marks (registered and unregistered), trade names, logos, service-marks, databases, documentation, and other materials forming part of the Platform are the exclusive property of Oronzo LLP or its licensors and are protected by the Copyright Act 1957, the Trade Marks Act 1999, the Patents Act 1970, and applicable international treaties.

Subject to your compliance with these Terms, Oronzo grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to use the Platform for its intended purpose. No other rights are granted by implication, estoppel, or otherwise.

13. Third-Party Services & Links

The Platform may interoperate with, or contain links to, third-party services (e.g., payment gateways, identity providers, analytics, mapping). Such services are governed by their own terms and privacy policies. Oronzo does not endorse, control, or accept any responsibility for the content or practices of third-party services.

14. Disclaimers — Not Liable

14.1 Healthcare

Content on Curex24 / Curex24 Clinic is not a substitute for professional medical advice, diagnosis, or treatment. Oronzo is a technology platform and not a medical practitioner. Reliance on any information provided is solely at the User's own risk. In any medical emergency, dial 108 / 112 immediately.

14.2 Financial

F-Cube does not provide investment, tax, accounting, or legal advice. All financial decisions are taken by the User in consultation with qualified professionals.

14.3 Operational

Oronzo does not warrant that the Platform will be uninterrupted, secure, or error-free, or that defects will be corrected, except as expressly provided in a signed Service Level Agreement.

15. Limitation of Liability & Indemnity

15.1 Cap on Liability

To the maximum extent permitted by Applicable Law, Oronzo's aggregate liability to you, whether in contract, tort (including negligence), strict liability, or otherwise, arising out of or in connection with these Terms or the Platform shall not exceed the total fees actually paid by you to Oronzo for the affected service in the six (6) months immediately preceding the event giving rise to the claim, or INR 5,000 (Indian Rupees Five Thousand only), whichever is lower.

15.2 Excluded Damages

In no event shall Oronzo be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profit, loss of business, loss of revenue, loss of goodwill, loss of data, or business interruption, even if Oronzo has been advised of the possibility of such damages.

15.3 Indemnity

You shall defend, indemnify, and hold harmless Oronzo, its designated partners, officers, employees, and agents from and against any and all claims, demands, proceedings, damages, costs, and expenses (including reasonable legal fees) arising out of (a) your breach of these Terms or Applicable Law; (b) infringement of third-party rights by your User Content; or (c) your wilful misconduct or gross negligence.

16. Suspension & Termination

Oronzo may suspend or terminate your account or access to the Platform, in whole or in part, with or without notice, if (a) you breach any provision of these Terms or Applicable Law; (b) we are required to do so by a court, regulator, or other competent authority; (c) continued provision creates a security or legal risk; or (d) we discontinue the service. Termination shall not affect rights or remedies accrued prior to termination. Sections 7, 8, 10, 12, 14, 15, 18, 19, and 20 shall survive termination.

You may close your account at any time through in-product controls or by writing to hello@oronzo.io.

17. Force Majeure

Oronzo shall not be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics and epidemics, network or power failures, denial-of-service attacks, or other internet or telecommunication failures.

18. Grievance Officer & Dispute Resolution

18.1 Grievance Officer

In compliance with Rule 3(2) of the IT Rules 2021, Rule 4(1) of the Consumer Protection (E-Commerce) Rules 2020, and Section 8(10) of the DPDP Act 2023, the following officer has been designated to receive and dispose of User grievances:

Grievances will be acknowledged within forty-eight (48) hours and resolved within fifteen (15) days from receipt (or one (1) month under Rule 4(2) of the CP E-Commerce Rules 2020, whichever is shorter).

18.2 Escalation

If you are not satisfied with the response, you may approach the National Consumer Helpline (1915), the relevant Consumer Disputes Redressal Commission under the Consumer Protection Act 2019, or, in respect of personal data, the Data Protection Board of India.

18.3 Arbitration

Save for matters of urgent equitable relief or statutory consumer remedies, all disputes, controversies, or claims arising out of or in connection with these Terms shall be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by Oronzo. The seat and venue of arbitration shall be Hyderabad, Telangana, India, and the language shall be English. The award shall be final and binding on the parties.

19. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict-of-laws principles. Subject to Section 18.3, the courts at Hyderabad, Telangana, India shall have exclusive jurisdiction.

20. Miscellaneous

• Entire Agreement. These Terms, together with the Privacy Policy, Refund Policy, and any product-specific addenda, constitute the entire agreement between you and Oronzo and supersede all prior representations.
• Severability. If any provision is found unenforceable, the remaining provisions shall continue in full force.
• No Waiver. Failure to enforce any right shall not constitute a waiver of that right.
• Assignment. You may not assign these Terms without our prior written consent. Oronzo may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Notices. Notices to Oronzo must be sent in writing to compliance@oronzo.io. Notices to you may be sent to the email address on your account or posted on the Platform.
• Relationship. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.
• Electronic Communications. By using the Platform, you consent to receive communications from us electronically, which satisfy any legal requirement that such communications be in writing.

21. Changes to these Terms

Oronzo may revise these Terms from time to time. Material changes will be notified by updating the "Last updated" date above and, where reasonable, by email or in-product notice at least seven (7) days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

22. Contact Us

For any questions regarding these Terms please reach us at: