Terms of Use

1. What TalkWith is

TalkWith is an online platform where customers can talk to independent listeners, astrologers and coaches (“partners”) by chat, voice call, video call and live session, and pay per use from a prepaid wallet.

TalkWith is an intermediary under the Information Technology Act, 2000. Partners are independent service providers, not employees or agents of Jagdamba Associates. The advice, readings and opinions they share are their own. We verify partners’ identity before they can go live, but we do not guarantee the accuracy, quality or outcome of any conversation.

2. Who can use TalkWith

• You must be at least 18 years old and able to enter a binding contract under Indian law.
• You may hold only one customer account, registered to a mobile number you own.
• You must not use TalkWith if we have previously suspended or banned you.
• Partners must also meet the requirements in our Partner Terms.

3. Your account

• You sign in with your mobile number and a one-time code, or with Google where offered.
• Give accurate information and keep it up to date. Your display name and photo must not impersonate anyone.
• You are responsible for activity on your account. Tell us at once at support@talkwithapp.com if you think someone else has used it.
• You can delete your account at any time. See Delete your account.

4. Wallet, pricing and billing

• Wallet. You add money to your TalkWith wallet through our payment partner, Razorpay, in Indian rupees. A single top-up can be between ₹10 and ₹50,000. Wallet balance can be used only for TalkWith services; it is not a bank account, earns no interest, cannot be transferred to another user and cannot be withdrawn as cash.
• Rates. Each partner sets their own per-minute rate for chat, voice and video, within limits set by TalkWith. The rate is shown before you start and does not change during a session.
• Calls start billing when the partner answers and are charged in 10-second steps as each step completes. A step that is still in progress when the call ends is not charged. To start a call you need enough balance for at least 3 minutes.
• Chats start billing when the partner sends their first reply and are charged per completed minute. The minute in progress when the chat ends is not charged. To start a chat you need enough balance for at least 2 minutes. A chat ends automatically after 3 minutes without messages.
• Paid messages to an offline partner are charged when sent, at the price shown.
• Gifts sent to partners are charged at the price shown and are final.
• Low balance. We warn you when about a minute of balance is left. When it runs out, the session ends or pauses until you top up.
• Promotional credit such as a sign-up bonus can be used only on TalkWith, has no cash value and may be withdrawn if obtained through abuse.

Refunds are handled under our Refund & Cancellation Policy.

5. No professional advice

Conversations on TalkWith are for emotional support, companionship, personal guidance and, in the case of astrology, tarot, numerology, vastu and related practices, for guidance and entertainment. They are based on the partner’s beliefs and experience and are not scientifically proven.

• Nothing on TalkWith is medical, psychiatric, psychological, legal, financial, investment or tax advice, and it is not a substitute for a qualified, licensed professional.
• Do not stop or change any medical treatment, or make major legal or financial decisions, based on a conversation on TalkWith.
• You are solely responsible for the decisions you make.
• TalkWith is not suited to emergencies. If you are thinking about harming yourself or someone else, call 112 or Tele-MANAS on 14416 right away.

6. Your conduct

You agree to follow our Community Guidelines. In particular, you must not:

• Harass, threaten, abuse, stalk or discriminate against anyone, or share hateful or violent content.
• Send or request sexual content, nudity or sexual services, or engage in sexual conversation with anyone.
• Share or request any content involving minors in a sexual or harmful way. We report such content to the authorities.
• Ask for or share phone numbers, social media handles, payment details or addresses to move a conversation or payment outside TalkWith.
• Record, screenshot for publication, or share another person’s calls, video or messages without their consent.
• Impersonate anyone, create fake accounts or misrepresent your age or identity.
• Commit fraud, misuse payments, promotions or refunds, or use stolen payment methods.
• Spam, advertise, or promote illegal goods, gambling or unlawful activities.
• Post content that is obscene, defamatory, infringes intellectual property, or is otherwise unlawful under Rule 3(1)(b) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.
• Interfere with the Service, scrape it, reverse-engineer the apps, or bypass security or rate limits.

7. Content and licences

You keep ownership of the messages, photos, voice notes and reviews you post. You give Jagdamba Associates a non-exclusive, royalty-free, worldwide licence to store, display and transmit that content only as needed to run the Service, and to show reviews on partners’ profiles.

The TalkWith name, logo, apps, website and their design are owned by Jagdamba Associates. You may use the apps for your own personal, non-commercial use. No other rights are granted.

8. Moderation, suspension and termination

You can block or report any person, message, call or live session from inside the app. We review reports and may remove content, end a live session, restrict features, or suspend or permanently ban an account, with or without notice, where we reasonably believe these Terms or the law have been broken or someone is at risk. Where appropriate we tell you the reason, and you can appeal through our grievance process.

If your account is banned for fraud or serious misconduct, wallet balance obtained through that misconduct is forfeited. We may preserve information and share it with authorities as the law requires.

9. Availability and changes

We work to keep TalkWith available and reliable, but the Service is provided “as is” and “as available”. Calls and chats depend on internet connections and third-party networks, and interruptions can happen. We may change, add or remove features, and change partner availability or pricing limits, at any time. Billing protections for dropped connections are described above and in our refund policy.

10. Limitation of liability

To the fullest extent permitted by law:

• Jagdamba Associates is not liable for the acts, statements, advice or omissions of partners or other users, or for any decision you make based on a conversation.
• We are not liable for indirect, incidental, special or consequential losses, or for loss of data, profit or goodwill.
• Our total liability for any claim relating to the Service is limited to the amount you paid to TalkWith in the three months before the claim arose.

Nothing in these Terms limits any liability that cannot be limited under Indian law, including under the Consumer Protection Act, 2019.

11. Indemnity

You agree to indemnify Jagdamba Associates against claims, losses and reasonable costs arising from your breach of these Terms, your misuse of the Service or your violation of any law or third-party right.

12. Governing law and disputes

These Terms are governed by the laws of India. Please contact us first. Most concerns can be settled through support or our grievance process. Subject to that, the courts at Vadodara, Gujarat have exclusive jurisdiction, without affecting any right you have as a consumer to approach a consumer commission.

13. Changes to these Terms

We may update these Terms from time to time. We will show the new date at the top and, for material changes, tell you in the app before they take effect. Continuing to use TalkWith after that means you accept the updated Terms.

14. General

If any part of these Terms is found unenforceable, the rest stays in effect. Our not enforcing a right is not a waiver of it. You may not transfer your rights under these Terms; we may transfer ours to a successor of the Service. These Terms, with the policies they refer to, are the entire agreement between you and us about TalkWith.