Terms and Conditions

Last Updated: February 20, 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE PLATFORM. BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.

Preamble

These Terms and Conditions ("Terms," "Agreement," or "Terms of Service") constitute a legally binding agreement between you ("User," "you," or "your") and OurHolyLife ("Company," "we," "us," or "our"), governing your access to and use of the OurHolyLife mobile application, website, and all related services, features, content, and functionality (collectively, the "Platform").

Definitions

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below:

1. Acceptance of Terms

1.1 By creating an Account, accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms with our Privacy Policy, which is incorporated herein by reference.

1.2 If you do not agree to these Terms in their entirety, you are not authorized to access or use the Platform and must immediately discontinue all use.

1.3 These Terms constitute the entire agreement between you and OurHolyLife with respect to your use of the Platform and supersede all prior or contemporaneous communications, whether electronic, oral, or written.

2. Eligibility

• You must be at least 13 years of age to use the Platform.
• Users under 18 must have parental or guardian consent.
• By using the Platform, you represent that you meet these eligibility requirements.
• You must have the legal capacity to enter into a binding agreement in your jurisdiction.
• If you are registering on behalf of an organization (church, ministry), you represent that you have authority to bind that organization.

3. Faith Affirmation & Voluntary Participation

IMPORTANT NOTICE FOR INDIA USERS: This section is particularly relevant to comply with state Freedom of Religion laws in India.

3.1 Nature of Platform

OurHolyLife is an expressly Christian faith-based platform. All content, services, and community interactions are rooted in:

• The Christian faith and biblical principles
• The teachings of the Holy Bible
• Christian spirituality, prayer, and fellowship

3.2 Faith Affirmation

By registering for and using OurHolyLife, you affirm and declare that:

1. You are either:

   • A practicing Christian who identifies with the Christian faith, OR
   • An individual who is genuinely interested in learning about Christianity and Christian spirituality of your own free will

2. You understand and accept that all content, guidance, prayers, and community interactions on this Platform are based on Christian beliefs and biblical teachings

3. You are NOT joining this Platform due to:

   • Force, coercion, or undue influence by any person
   • Allurement, inducement, or fraudulent means
   • Any promise of material benefit
   • Any threat or pressure from any individual or group

3.3 Voluntary Participation Declaration

YOU EXPRESSLY DECLARE THAT:

"I am joining OurHolyLife of my own free will and volition. I have NOT been forced, coerced, allured, induced, or pressured by any person or entity to join this Platform. I understand that OurHolyLife is a Christian faith-based platform, and I am participating voluntarily because I am a Christian OR because I have a genuine personal interest in Christianity and wish to explore the Christian faith on my own terms."

3.4 No Conversion Activities

OurHolyLife:

• Does NOT engage in forced or fraudulent religious conversion
• Does NOT offer any material inducement for users to change their religion
• Does NOT target individuals for conversion against their will
• Provides a platform for voluntary faith community participation only

All users join of their own free will. Users may leave the Platform at any time without any consequence.

3.5 Respect for Individual Choice

• You may leave the Platform at any time without providing any reason
• Your participation is entirely voluntary
• No one associated with OurHolyLife will contact you to prevent you from leaving
• We respect your right to freedom of religion and conscience

3.6 Parental/Guardian Consent (Minors)

For users under 18 years of age in India:

• Parent or guardian consent is required before joining the Platform
• The parent/guardian affirms they consent to the minor accessing Christian faith-based content
• The parent/guardian confirms this is a voluntary decision

4. Description of Services

OurHolyLife is a membership-based software platform that provides tools and technology for faith-based communities and biblical biblical guides.

IMPORTANT NOTICE: OurHolyLife is a SOFTWARE PLATFORM and MARKETPLACE. We provide the technology infrastructure that enables biblical biblical guides to connect with clients. OurHolyLife does NOT provide, perform, or deliver guidance services directly. All guidance is provided by independent, third-party biblical guides who use our platform.

4.1 What We Provide (Software Services)

For Individual Members:

• Prayer request submission and sharing tools
• Prayer wall and community interaction features
• Prayer map (location-based prayer discovery)
• Church discovery and membership management
• Event browsing and registration
• Secure messaging capabilities
• AI-powered biblical guidance and study features (see Section 4.4)
• AI Bible Search, Bible Stories, Daily Study, Bible Plans
• Verse Card Creator (AI-powered)
• Sermon/VOD viewing
• Church group participation
• Worship song access
• Notification preferences

For Churches (Church Admin Subscription):

• Member management dashboard
• Pending member approval
• Event creation and management tools
• Communication and announcement features
• Analytics and reporting
• Giving/donation analytics
• Prayer moderation tools
• Sermon/speaker management
• Sermon Planner (AI-powered sermon preparation - outlines, summaries, hashtags, discussion questions, recap emails, verse/quote cards)
• Sermon Transcription (local on-device audio transcription)
• Worship song management
• Church groups and group chat
• Streaming/VOD software tools (see 4.3 below)
• BYOS (Bring Your Own Storage) configuration
• BYOK (Bring Your Own Key - connect your own OpenRouter API key for AI features)

For Biblical Biblical Guides (Biblical Guide Subscription):

• Client booking and scheduling tools
• Video/audio session infrastructure
• Session management dashboard
• Client request management
• Session history and analytics
• Payment processing integration
• Profile and availability management
• Application status tracking

For Guidance Seekers:

• Biblical Guide discovery and booking
• Session credits/membership management
• Intake assessment submission
• Session history and feedback
• Request guidance from biblical guides

4.2 What We Do NOT Provide

• We do NOT provide guidance services
• We do NOT employ biblical guides
• We do NOT supervise guidance sessions
• We do NOT guarantee guidance outcomes
• We do NOT provide medical, psychological, or psychiatric services
• We do NOT host or stream church content ourselves

4.3 Streaming & Media Services (Church Admins)

OurHolyLife provides software tools for churches to manage their streaming and video-on-demand (VOD) content.

IMPORTANT: Content Ownership & Liability Disclaimer

Our Role - Software Provider Only:

• We provide software interface for managing streaming/VOD
• We provide integration tools for cloud storage
• We generate upload keys/credentials for churches to use
• We provide video player embeds and delivery tools

What Churches Control (Not Us):

• Churches use their own cloud storage provisioned through OurHolyLife
• Churches upload their own content directly to their storage
• Churches are solely responsible for their content
• Churches control what content is uploaded and publicly accessible

What We Store:

• We store church cloud storage credentials securely on our servers
• We use these credentials to facilitate content upload and delivery
• Credentials are encrypted and protected per industry standards

We Do NOT:

• Host streaming content on our own servers (content is on church's cloud storage)
• Monitor, review, or moderate streaming content
• Have editorial control over church content
• Take responsibility for copyright or content violations

Church Responsibility: Churches using our streaming tools agree that:

• They own or have proper licenses for all content they stream/upload
• They are solely responsible for copyright compliance (DMCA, India Copyright Act)
• They will not stream illegal, obscene, or infringing content
• They indemnify OurHolyLife against any claims arising from their content
• Any takedown requests should be directed to the church, NOT OurHolyLife

4.4 AI-Powered Features

OurHolyLife includes extensive AI-assisted features for faith exploration, Bible study, and church administration.

IMPORTANT AI DISCLAIMER

Member App AI Features:

Church Admin App AI Features:

Limitations and Disclaimers:

• AI responses are generated by third-party AI models (such as Google AI/Gemini, OpenAI, and models via OpenRouter)
• AI content is NOT a substitute for personal Bible study, pastoral guidance, or professional advice
• AI may produce inaccurate, incomplete, or theologically debatable content
• OurHolyLife does NOT guarantee the accuracy, correctness, or doctrinal soundness of AI-generated content
• Multi-language AI responses may contain translation inaccuracies or culturally inappropriate phrasing
• AI-generated Bible Plans are suggestions, NOT pastoral curriculum or authoritative study programs
• Sermon Planner outputs are drafts for review - pastors and church leaders must verify all AI-generated sermon content before use
• You should verify AI responses with Scripture and trusted spiritual leaders
• AI features are provided "as-is" without warranty

You expressly acknowledge that:

• AI cannot replace human spiritual guidance
• AI responses may contain errors or reflect biases in training data
• OurHolyLife is not liable for decisions made based on AI-generated content
• Sermon content generated by AI must be reviewed by qualified church leaders before being shared or taught

4.5 Guidance Intake Assessments

When booking guidance sessions, clients may complete intake assessments.

• Intake information is shared with the biblical guide you select
• Intake data is used to help biblical guides understand your needs
• Intake assessments are NOT diagnostic or clinical evaluations
• You consent to sharing this information with your selected biblical guide
• OurHolyLife stores intake data securely but biblical guides may maintain their own records

4.6 Session Credits System

Some guidance features may use a credits-based system.

• Credits may be purchased directly or included in membership plans
• Credits have the value, expiration, and usage terms displayed at purchase
• Unused credits are generally non-refundable (see Refund Policy)
• Credits are non-transferable between accounts
• OurHolyLife reserves the right to modify credit pricing with 30 days notice

4.7 Music, Worship & Licensing

Worship Songs on Platform:

• Churches are responsible for obtaining proper licenses (CCLI, OneLicense, etc.) for songs they display or stream
• OurHolyLife does NOT provide music licensing
• We do NOT guarantee songs on the Platform are properly licensed
• Churches must ensure compliance with copyright laws for all worship content

Sermon & Teaching Content:

• Sermons uploaded by churches remain the intellectual property of the church/speaker
• Churches grant OurHolyLife a license to display and deliver content through the Platform
• Downloading or redistributing sermons without church permission is prohibited
• OurHolyLife is NOT responsible for copyright claims on church-uploaded content

User-Generated Worship Content:

• Users may not upload copyrighted music without proper rights
• Cover versions of songs require appropriate licensing
• We may remove content that infringes copyright upon notice

4.8 Service Availability & Technical Limitations

No Uptime Guarantee:

• OurHolyLife does NOT guarantee 99.9% uptime or any specific availability
• Services may be unavailable due to maintenance, updates, or technical issues
• We are NOT liable for losses due to service interruption

Technical Requirements:

• You are responsible for your own internet connection and device compatibility
• We do NOT guarantee the Platform will work on all devices or browsers
• Video/audio quality depends on your network conditions

Connectivity Disclaimer:

• Session drops, video freezes, or audio issues may occur due to network problems
• We are NOT responsible for failed sessions due to connectivity issues
• Refunds for technical issues are at biblical guide discretion, not ours

4.9 Beta Features & Experimental Tools

• Some features may be marked as "Beta" or "Experimental"
• Beta features are provided "as-is" without warranty
• Beta features may be discontinued without notice
• Data in beta features may be lost or reset
• Do NOT rely on beta features for critical functions

4.10 Mobile App & App Store Disclaimer

APP STORE AVAILABILITY NOT GUARANTEED

Mobile App Distribution:

You acknowledge:

• App availability depends on Apple/Google approval
• We cannot control app store policies
• Apps may be removed without notice
• Web version available as backup at ourholylife.com
• We will try to maintain app store presence
• No refunds for app store removal

If app is removed:

• Use web version at ourholylife.com
• Your account and data remain accessible
• Follow our announcements for updates

4.11 AI & Machine Learning Disclaimer

AI IS ASSISTANCE, NOT AUTHORITY

AI Features on OurHolyLife include:

Critical AI Limitations:

AI may produce:

• Errors, inaccuracies, or "hallucinations"
• Theologically incorrect content
• Culturally insensitive suggestions
• Translation inaccuracies in non-English languages
• Outdated information
• Biased recommendations
• Incorrect Bible verse references
• Sermon content that does not reflect your church's doctrinal position

OurHolyLife is NOT liable for:

• Following AI-generated advice
• AI errors or inaccuracies
• Decisions made based on AI output
• Harm from AI-generated content
• AI bias or discrimination
• Sermons preached using AI-generated content without review
• Incorrect Bible verses shared via AI-generated cards
• Translation errors in multi-language AI responses

You agree to:

• Treat AI output as suggestions, not facts
• Verify important information independently
• Report AI errors to [email protected]
• Not rely solely on AI for spiritual decisions
• Consult human biblical guides for important matters
• Review all AI-generated sermon content before teaching or sharing
• Verify Bible verse references in AI-generated content

Sermon Planner Specific Disclaimers:

CHURCH ADMINS & PASTORS - READ CAREFULLY

• AI-generated sermon outlines, summaries, and discussion questions are drafts only
• Pastors and church leaders are solely responsible for all content they teach or share, including AI-assisted content
• AI may generate content that does not align with your church's theological tradition or doctrine
• OurHolyLife does NOT endorse any theological position reflected in AI-generated content
• Sermon transcription uses a local on-device engine and may contain transcription errors
• BYOK users are responsible for their own API key billing and usage with OpenRouter

AI Data Processing:

Local Restreaming Disclaimers:

CHURCH ADMINS - STREAMING RESPONSIBILITIES

• The restreaming pipeline runs entirely on your device - OurHolyLife servers are NOT involved in the video data flow
• Stream keys for YouTube, Facebook, and custom streaming destinations are stored locally on your device - if your device is compromised, stream keys may be exposed
• You are solely responsible for the content you stream/restream to third-party platforms
• OurHolyLife is NOT liable for content streamed to YouTube, Facebook, or any other platform
• You must comply with each third-party platform's Terms of Service and streaming policies
• OurHolyLife does NOT monitor, review, or control restreamed content
• Stream resilience features store minimal session metadata locally to resume interrupted streams

5. User Accounts

5.1 Account Registration

• You must provide accurate, current, and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• One account per person - Multiple accounts are prohibited
• Account information must match your government-issued ID (if verification required)
• False or misleading registration information is grounds for immediate termination

5.2 Account Types

• Member Account: General users accessing the platform
• Church Admin Account: Authorized administrators managing church communities
• Biblical Guide Account: Verified and approved guidance professionals

5.3 Account Restrictions

You may NOT:

• Create multiple accounts to abuse free trials, promotions, or referral programs
• Share your account credentials with others
• Transfer or sell your account to another person
• Use VPNs or location spoofing to bypass geographic restrictions
• Use the account of another person without their authorization
• Create accounts on behalf of others without their knowledge and consent

5.4 Account Verification

We may require identity verification at any time, including:

• Government-issued ID verification
• Phone number verification via OTP
• Email verification
• Video verification for biblical guides
• Church registration document verification for church admins

Failure to complete verification may result in account suspension or termination.

5.5 Account Termination

We reserve the right to suspend or terminate accounts that:

• Violate these Terms or engage in prohibited conduct
• Provide false information during registration or verification
• Engage in fraudulent, abusive, or suspicious activity
• Are subject to legal proceedings or law enforcement requests
• Remain inactive for extended periods
• Are involved in chargeback fraud or payment disputes

5.6 Deceased User Accounts

Upon death of account holder:

• Family members may request account memorialization or deletion
• Proof of death (death certificate) and relationship is required
• We do NOT provide access to account contents to family members
• Prayer requests and posts may be deleted upon verified request
• Active subscriptions will be cancelled upon notification
• We are NOT responsible for any content left on the account

Memorialization Option:

• Accounts may be "memorialized" to preserve prayer legacy
• Memorialized accounts cannot be logged into
• Contact: [email protected]

5.7 Data Portability & Deletion

Your Rights (per DPDP Act, India & GDPR-like provisions):

• You may request a copy of your personal data
• You may request deletion of your account and data
• Data export is provided in standard formats (JSON/CSV)
• Some data may be retained for legal/compliance purposes
• Deletion requests are processed within 30 days

Limitations:

• We cannot delete data already shared with biblical guides
• Church admins control church-related data, not us
• Backups may retain data for up to 90 days after deletion
• Transaction records are retained for tax/legal compliance

5.8 Account Suspension Appeals

If your account is suspended:

1. You will receive email notification with reason
2. You may appeal within 30 days to [email protected]
3. Appeals are reviewed within 14 business days
4. Our decision on appeals is final
5. Repeated violations result in permanent bans without appeal

6. User Conduct

You agree NOT to:

General Conduct:

• Post content that is abusive, threatening, defamatory, or hateful
• Harass, bully, or intimidate other users
• Share false or misleading information
• Impersonate any person or entity
• Use the Platform for unauthorized commercial purposes
• Attempt to access other users' accounts or data
• Upload malware, viruses, or harmful code
• Violate any applicable laws or regulations

Fraud Prevention - You May NOT:

• Solicit minors for any inappropriate purpose
• Use the Platform to commit fraud or financial crimes
• Scrape, data mine, or harvest user information
• Circumvent any security measures
• Create multiple accounts for deceptive purposes
• Use the Platform while impaired by substances
• Provide professional services (medical, legal, financial) without proper licensing
• Engage in any conduct that could harm OurHolyLife's reputation or business

Payment & Refund Fraud - You May NOT:

• File false or fraudulent refund claims
• Initiate chargebacks for legitimate transactions
• Use stolen payment cards or bank accounts
• Claim services were not rendered when they were
• Create fake disputes to obtain free services
• Abuse promotional codes, referral programs, or free trials
• Use the Platform for money laundering or hawala transactions

Identity Fraud - You May NOT:

• Claim to be a biblical guide if you are not approved on the Platform
• Claim false credentials, certifications, or qualifications
• Impersonate church leaders, pastors, or administrators
• Create fake churches to collect donations
• Pose as OurHolyLife staff or representatives
• Use fake or altered identity documents for verification

Content Manipulation - You May NOT:

• Use prayer requests to solicit money or donations for yourself
• Post fake testimonials or reviews
• Use prayer requests to defame, harass, or target individuals
• Share others' personal information (doxxing) through prayer requests
• Use group chats for commercial promotion or spam
• Post misleading content to manipulate biblical guide ratings

Legal Abuse - You May NOT:

• Threaten frivolous lawsuits to obtain refunds or free services
• Make false police complaints against biblical guides or users
• File false reports with regulatory authorities
• Use threatening legal notices as extortion tactics
• Abuse grievance redressal mechanisms with false complaints

Session Abuse - You May NOT:

• Record and distribute guidance sessions without consent
• Use sessions for purposes other than genuine guidance
• Attend sessions with intent to harass or harm the biblical guide
• Share session content publicly or on social media
• Attempt to contact biblical guides through personal channels to avoid platform fees

Security & Cyber Fraud - You May NOT:

• Create or distribute fake QR codes for donations or payments
• Create phishing pages or fake login screens mimicking OurHolyLife
• Upload, distribute, or link to malware, viruses, or malicious software
• Attempt to hack, penetrate, or bypass Platform security measures
• Exploit vulnerabilities in the Platform without reporting them
• Conduct DDoS attacks or attempt to disrupt Platform services
• Scrape, crawl, or automated data extraction without permission
• Intercept or monitor communications of other users
• Attempt SQL injection, XSS, or other code injection attacks
• Reverse engineer, decompile, or disassemble Platform software
• Access backend systems, databases, or admin panels without authorization
• Share or exploit security vulnerabilities with malicious intent

Bot & Automated Access Prohibition:

SCRAPING AND BOTS PROHIBITED

We actively detect:

• Automated access patterns
• Unusual request volumes
• Bot signatures
• Scraping attempts

Coordinated Inauthentic Behavior:

ZERO TOLERANCE FOR ORGANIZED ATTACKS

Prohibited coordinated activities:

• Multiple accounts attacking a single biblical guide with fake reviews
• Organized campaigns to damage biblical guide reputation
• Creating accounts to manipulate ratings/rankings
• Group harassment of individuals
• Coordinated reporting to get accounts banned

Consequences:

1. All participating accounts terminated
2. Reviews removed and ratings restored
3. IP addresses banned
4. Legal action for defamation/tortious interference
5. Reporting to cybercrime authorities

Deepfakes & Synthetic Media:

AI-GENERATED IMPERSONATION PROHIBITED

You may NOT create or share:

• Deepfake videos of pastors, biblical guides, or users
• AI-generated audio impersonating real people
• Synthetic images designed to deceive
• AI-manipulated content presented as real

Consequences:

• Immediate permanent ban
• Reporting to law enforcement
• Cooperation with investigations
• Civil liability for damages

QR Code & Payment Fraud - NOTICE:

QR codes for donations are generated ONLY within the Platform.

• OurHolyLife is NOT responsible for fake QR codes circulated outside the Platform
• Always verify you are on the official OurHolyLife app or website before scanning
• Report suspicious QR codes to: [email protected]
• We are NOT liable for funds lost to fake QR codes not generated by us

Phishing Protection - NOTICE:

• OurHolyLife will NEVER ask for your password via email, SMS, or phone
• We will NEVER ask you to share OTPs with anyone
• Official communications come only from @ourholylife.com domains
• Report phishing attempts to: [email protected]

Security Reporting: If you discover a security vulnerability, report it responsibly to [email protected]. We may offer recognition but are NOT obligated to provide bug bounties.

India-Specific Scam Prevention:

BEWARE OF THESE COMMON INDIA SCAMS - OurHolyLife is NOT responsible for:

Platform Liability Limitations:

• OurHolyLife is NOT responsible for scams occurring outside the Platform
• We are NOT liable if users fall for fake payment screenshots
• We CANNOT recover funds sent to scammers
• We are NOT responsible for fake churches or biblical guides operating outside our Platform
• Users must exercise their own judgment and due diligence

Report Scams To:

• OurHolyLife: [email protected]
• National Cybercrime Helpline: 1930
• Cybercrime Portal: cybercrime.gov.in
• Local Police

7. Content Guidelines

7.1 User-Generated Content

• You retain ownership of content you create (prayers, messages, posts)
• By posting content, you grant OurHolyLife a non-exclusive, worldwide license to display and distribute your content on the Platform
• We reserve the right to remove content that violates these Terms

7.2 Prayer Requests

• Prayer requests should be respectful and appropriate
• Do not share sensitive personal information of others without consent
• Content may be visible to other users based on your privacy settings

7.3 Prohibited Content

• Hate speech or discrimination
• Explicit sexual content
• Violence or threats
• Spam or unauthorized advertising
• Content that infringes intellectual property rights

7.4 Reporting Abuse and Violations

If you witness violations of these guidelines:

• Use the in-app "Report" feature
• Email: [email protected]
• We will investigate reports within 72 hours
• False reports made in bad faith may result in account termination

7.5 Impersonation Prohibition

ZERO TOLERANCE

You may NOT impersonate:

• Another real person
• A celebrity, pastor, or religious figure
• A church or organization you don't represent
• OurHolyLife staff or support
• Any government or regulatory official

Consequences:

• Immediate permanent termination
• Reporting to police if fraud occurred
• Cooperation with any legal proceedings
• OurHolyLife is NOT liable for impersonation by users

If you are being impersonated:

• Report immediately with proof of identity
• We will remove impersonating accounts
• Work with law enforcement as needed

7.6 Church Admin Data Access Limits

CHURCH ADMINS - KNOW YOUR LIMITS

Church Administrators CAN access:

• Member list (name, joining date, membership status)
• Prayer requests posted to their church
• Event registrations and attendance
• Donation summaries (anonymous option respected)
• Church-specific content and announcements

Church Administrators CANNOT access:

• Private messages between members
• Guidance sessions or bookings
• Member data from other churches
• Deleted content or accounts
• Payment details beyond summaries
• Member login credentials or passwords

Abuse of admin access:

• Reading private messages = TERMINATION
• Sharing member data externally = TERMINATION
• Using data for harassment = TERMINATION + police referral
• Selling member data = Legal action

Member rights:

• Members can report admin overreach
• Members can leave churches at any time
• Members can request data from churches directly

7.7 Protection of Minors

CRITICAL: We take minor safety extremely seriously.

• Users under 18 may NOT book one-on-one guidance sessions without parental consent
• Biblical Guides must NOT engage in private communications with minors without parental oversight
• Any suspected child exploitation must be reported immediately
• We will report suspected child abuse to relevant authorities (NCPCR in India, NCMEC in USA)
• CSAM (Child Sexual Abuse Material) will result in immediate termination and law enforcement referral

7.6 Mandatory Reporting

OurHolyLife, as a technology platform, will:

• Report suspected child abuse/neglect to appropriate authorities as required by law
• Cooperate with law enforcement investigations
• Preserve evidence when legally required
• Notify users of legal requests unless prohibited by law

8. Biblical Guidance Marketplace

8.1 Platform Role - Important Legal Notice

OurHolyLife operates as a TECHNOLOGY PLATFORM and MARKETPLACE that connects clients seeking biblical guidance with independent biblical guides. We are NOT a guidance provider, healthcare provider, or professional service provider.

Our Role:

• Provide software tools for scheduling, video calls, and payments
• Offer a marketplace to discover biblical biblical guides
• Process payments on behalf of biblical guides
• Maintain the technical infrastructure

We Do NOT:

• Employ, supervise, or control biblical guides
• Provide guidance advice or recommendations
• Guarantee the quality or outcome of guidance
• Take responsibility for biblical guide conduct or advice

8.2 Independent Biblical Guides

• All biblical guides on the Platform are independent contractors, not employees of OurHolyLife
• Biblical Guides set their own schedules, rates, and guidance approaches
• Biblical Guides are solely responsible for the services they provide
• Any agreements for guidance are between you and the biblical guide directly

8.3 Biblical Guidance - Not Medical/Mental Health Services

CRITICAL DISCLAIMER

Biblical guidance provided through this Platform is faith-based spiritual guidance rooted in Scripture. It is NOT:

• Licensed professional guidance or therapy
• Medical advice or treatment
• Psychological or psychiatric care
• A substitute for professional mental health services

If you are experiencing a mental health crisis or emergency, please contact emergency services (911 in USA, 112 in India) or a licensed mental health professional immediately.

8.4 Crisis & Emergency Protocol

THIS IS NOT AN EMERGENCY SERVICE

OurHolyLife is NOT equipped to handle:

• Suicidal thoughts or self-harm urges
• Psychiatric emergencies
• Domestic violence situations requiring immediate help
• Child abuse or neglect requiring intervention
• Medical emergencies
• Imminent danger situations

If you or someone you know is in crisis:

Biblical Guide Disclosure Obligations:

• If a biblical guide believes you or someone else is in immediate danger, they may be legally required to break confidentiality
• Biblical Guides may report suspected child abuse, elder abuse, or imminent harm
• Such disclosures are the biblical guide's decision, NOT OurHolyLife's
• OurHolyLife is NOT responsible for biblical guide decisions regarding mandatory reporting

Domestic Violence & Abuse:

• If you are in an abusive situation, guidance alone may not be sufficient
• India: Women Helpline 181, NCW Helpline 7827-170-170
• USA: National Domestic Violence Hotline 1-800-799-7233
• OurHolyLife does NOT provide shelter, legal aid, or protection services

Platform Limitations:

• We CANNOT dispatch emergency services
• We do NOT monitor sessions in real-time
• We CANNOT intervene in crisis situations
• Biblical Guides are NOT emergency responders

8.5 SUICIDE, SELF-HARM & CLIENT OUTCOMES - CRITICAL LIABILITY DISCLAIMER

EXTREMELY IMPORTANT - PLEASE READ CAREFULLY

BY USING OURHOLYLIFE FOR GUIDANCE, YOU ACKNOWLEDGE AND AGREE:

1. No Guarantee of Outcomes: Biblical guidance does NOT guarantee any outcome. Your emotional, mental, spiritual, or physical state may not improve - and may worsen - as a result of guidance.

2. Not Crisis Intervention: Biblical guidance is NOT designed for:

   • Suicidal ideation or active suicidal thoughts
   • Self-harm urges or behaviors
   • Psychiatric emergencies
   • Severe mental health conditions requiring medical intervention

3. OurHolyLife Is NOT Liable For:

   • SUICIDE or attempted suicide by any user, regardless of cause
   • SELF-HARM or injury by any user
   • Worsening mental health following guidance sessions
   • Any decisions you make based on guidance received
   • Relationship outcomes (divorce, separation, estrangement)
   • Any harm to yourself or others following guidance

4. Waiver of Claims: You hereby WAIVE and RELEASE OurHolyLife, its officers, employees, and agents from any and all claims, damages, or causes of action arising from:

   • Client suicide or attempted suicide
   • Client self-harm
   • Client's harm to others
   • Any adverse outcome following guidance sessions
   • Biblical Guide's failure to recognize warning signs
   • Biblical Guide's failure to refer to emergency services

5. Family/Estate Waiver: In the tragic event of suicide or death:

   • Your estate, family, heirs, and beneficiaries are bound by this waiver
   • They may NOT bring claims against OurHolyLife for wrongful death
   • They may pursue claims against the independent biblical guide directly

WHY THIS MATTERS:

Biblical biblical guides are NOT licensed mental health professionals. They CANNOT diagnose or treat mental illness. If you are struggling with suicidal thoughts, you MUST seek help from a licensed mental health professional or emergency services IMMEDIATELY.

8.6 Mandatory Reporting Requirements

Biblical Guides on OurHolyLife may be legally required to report:

OurHolyLife's Role in Mandatory Reporting:

• We do NOT monitor sessions, so we have no duty to report
• Biblical Guides are independent contractors responsible for their own reporting
• We will cooperate with law enforcement investigations
• We may provide session metadata (dates, times, participants) pursuant to valid legal process
• We CANNOT provide session content because we do not store recordings

If You Are a Victim:

• Biblical Guides may report what you disclose to authorities
• By using guidance, you consent to possible mandatory reporting
• If you do not want reports made, do NOT disclose reportable events

8.7 Biblical Guide Verification

• Biblical Guides undergo an application and verification process
• We verify identity and stated credentials where possible
• Verification does NOT constitute endorsement or guarantee of quality
• You should independently verify biblical guide credentials before booking

8.5 Session Booking & Payments

• Sessions are booked directly with biblical guides through our Platform
• Payment is processed by OurHolyLife and remitted to biblical guides (minus platform fees)
• Cancellation and refund policies are set by individual biblical guides
• Disputes regarding session quality should be directed to the biblical guide first

8.6 Limitation of Liability for Guidance

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

• OurHolyLife is not responsible for any guidance provided through the Platform
• We make no warranties regarding biblical guide competence, advice accuracy, or session outcomes
• Any reliance on guidance received is at your own risk
• We are not liable for any damages arising from guidance sessions

8.7 Assumption of Risk

BY BOOKING AND ATTENDING GUIDANCE SESSIONS, YOU ACKNOWLEDGE AND ASSUME ALL RISKS INCLUDING BUT NOT LIMITED TO:

• Emotional distress that may arise during or after sessions
• Advice that may not align with your expectations
• Biblical Guide conduct that may not meet your standards
• Technical issues affecting session quality
• Confidentiality breaches by biblical guides (which are the biblical guide's responsibility, not ours)
• Any physical, emotional, or psychological effects from participating in guidance

You expressly waive any claims against OurHolyLife arising from such risks.

8.8 Disputes with Biblical Guides

If you have a dispute with a biblical guide:

1. First: Contact the biblical guide directly to resolve the issue
2. Second: If unresolved, report to OurHolyLife at [email protected]
3. Our Role: We may mediate but are NOT obligated to resolve disputes
4. Our Limitations: We cannot:
   • Force biblical guides to provide refunds
   • Determine who is "right" in disputes
   • Provide compensation for biblical guide conduct

Any legal claims regarding guidance must be directed to the biblical guide, NOT OurHolyLife.

8.9 Background Checks

• OurHolyLife does NOT conduct criminal background checks on biblical guides
• We do NOT verify licensing status with any regulatory body
• Biblical Guides self-declare their qualifications
• You are responsible for your own due diligence before booking

8.10 Biblical Guide Fraud Prevention

Biblical Guides may NOT:

• Claim qualifications, certifications, or credentials they do not possess
• Provide services outside the scope of biblical guidance (medical, legal, financial advice)
• Solicit clients for services outside the Platform to avoid platform fees
• Request direct payment from clients bypassing the Platform
• Share client personal information with third parties
• Engage in any romantic, sexual, or inappropriate relationship with clients
• Make false promises about guidance outcomes
• Refuse to complete booked sessions after receiving payment
• Create fake client accounts to boost their reviews
• Collude with clients to defraud the Platform

Consequences for Biblical Guide Fraud:

• Immediate account termination
• Forfeiture of pending payments
• Reporting to relevant authorities
• Permanent ban from the Platform
• Civil action for damages

8.11 Client Fraud Prevention

Clients may NOT:

• Claim sessions were not completed when they attended
• File false disputes to obtain free guidance
• Initiate chargebacks for completed sessions
• Harass or threaten biblical guides to obtain refunds
• Record sessions without biblical guide consent
• Share biblical guide personal information publicly
• Create multiple accounts to abuse free consultations
• Make false complaints to damage biblical guide reputation
• Solicit biblical guides for services outside their scope (legal, medical advice)

8.12 Session Recording Policy

RECORDING PROHIBITED WITHOUT CONSENT

Session Recording Rules:

You acknowledge:

• We CANNOT technically prevent client-side screen recording
• If the other party records you, that is THEIR violation, not ours
• Unauthorized recording may violate wire-tapping laws
• Using recordings for blackmail is a CRIME
• OurHolyLife is NOT liable for unauthorized recordings by other parties

If you discover unauthorized recording:

• Report immediately to [email protected]
• Report to local police (criminal matter)
• We may terminate the violating account

8.13 Blackmail & Extortion Prevention

[IMPORTANT] ZERO TOLERANCE

If a biblical guide or client threatens to reveal private session information unless paid or for revenge:

1. This is a CRIMINAL OFFENSE (extortion/blackmail)
2. Report immediately to police AND to us
3. We will cooperate fully with law enforcement
4. We will provide account information to authorities
5. Immediate permanent ban for perpetrator

OurHolyLife is NOT liable for:

• Crimes committed by users against each other
• Misuse of information shared in sessions
• Threats or harassment between parties

8.14 False Accusations & Defamation

False accusations against biblical guides:

• We will investigate before termination (unless immediate danger)
• False accusations made maliciously = client termination
• Biblical Guides may pursue defamation claims against false accusers

Defamatory reviews:

• Reviews must be truthful and relate to actual experience
• "This biblical guide is a [criminal accusation]" without proof = defamatory
• We may remove clearly defamatory content
• We will provide accuser's info pursuant to valid court order
• Biblical Guide's legal remedy is against the reviewer, NOT us (we are intermediary)

8.15 Stalking & Harassment

If you are stalked or harassed by a user:

• Block the user immediately
• Report to [email protected]
• File a police report
• We will terminate harasser's account

Biblical Guides:

• Do NOT share personal address or contact info
• We do NOT reveal biblical guide home address
• Use platform messaging only

OurHolyLife is NOT liable for:

• Users finding each other's information outside the platform
• Harassment occurring outside our systems
• Real-world stalking following online interaction

8.16 Subpoena & Legal Process Compliance

[WARNING] YOUR DATA MAY BE DISCLOSED IN LEGAL PROCEEDINGS

We may be compelled to disclose your data in:

• Criminal investigations
• Divorce proceedings
• Child custody disputes
• Civil lawsuits
• Regulatory investigations

What we CAN provide pursuant to valid legal process:

• Account information (name, email, phone)
• Transaction history (payments, sessions booked)
• Login history and IP addresses
• Messages sent through platform
• Session metadata (dates, times, participants)

What we CANNOT provide:

• Session recordings (we don't store them)
• Session content/notes (biblical guide holds these)
• Information we don't collect

Your acknowledgment:

• By using OurHolyLife, you consent to legally-required disclosure
• We will comply with valid court orders
• We may notify you of requests unless prohibited by law
• Biblical Guide session notes are THEIR records, not ours

8.17 Biblical Guide-Client Relationships

[IMPORTANT] STRICTLY PROHIBITED

Biblical Guides and clients may NOT engage in:

• Romantic relationships
• Sexual relationships
• Dating
• Any personal relationship beyond professional guidance

Rules:

• Prohibited during active guidance relationship
• 2-year cooling-off period after guidance ends before any relationship
• Exploitation of vulnerable clients = criminal referral
• Immediate biblical guide termination for violations
• OurHolyLife may report to relevant authorities

Why this matters:

• Power imbalance makes consent questionable
• Clients are often vulnerable
• This is an ethical violation in all guidance disciplines

8.12 Biblical Guide-Client Relationship Boundaries

ZERO TOLERANCE FOR ABUSE

Biblical Guide Abuse of Clients - PROHIBITED:

Client Abuse of Biblical Guides - PROHIBITED:

Power Dynamics & Vulnerability:

• Biblical Guides hold a position of trust and authority
• Clients may be in vulnerable emotional/spiritual states
• This power imbalance creates heightened responsibility for biblical guides
• OurHolyLife expects biblical guides to maintain professional boundaries at ALL times

Reporting Abuse:

• Clients: Report biblical guide abuse to [email protected]
• Biblical Guides: Report client harassment to [email protected]
• Both: For criminal matters, contact local police first

OurHolyLife's Role:

• We investigate reports within 72 hours of receipt
• We may suspend accounts during investigation
• We are NOT a court - we cannot determine truth in he-said/she-said situations
• We may terminate both parties if evidence is inconclusive but risk is high
• We cooperate with law enforcement investigations

8.13 Post-Session Boundaries

After guidance ends, biblical guides may NOT:

• Initiate personal/romantic relationships with former clients for at least 2 years
• Contact former clients for personal reasons
• Use information gained in sessions for any purpose
• Refer clients to personal business ventures

After guidance ends, clients may NOT:

• Pursue biblical guides for personal relationships
• Use session recordings (if any) for any purpose
• Contact biblical guides through personal channels
• Leave retaliatory reviews without legitimate basis

8.14 Marital/Family Disputes & Legal Proceedings

[WARNING] IMPORTANT: GUIDANCE SESSIONS ARE NOT DESIGNED FOR LEGAL USE

Use of Sessions in Divorce/Custody Battles:

By using OurHolyLife for guidance, you agree and acknowledge:

• Session content is confidential and NOT intended for use in legal proceedings
• You may NOT use session recordings, notes, or communications as evidence in:
  • Divorce proceedings
  • Child custody disputes
  • Property division cases
  • Domestic violence cases
  • Any family court matter
  • Any civil or criminal litigation
• Violation of this clause may result in immediate account termination

Subpoenas & Court Orders:

• OurHolyLife will NOT voluntarily provide session data for marital/family disputes
• If we receive a subpoena, we will:
  • Notify the affected user (unless prohibited by law)
  • Provide only the minimum data required by law
  • Charge applicable fees for data retrieval
• We are NOT obligated to fight subpoenas on your behalf
• You are responsible for your own legal defense

Biblical Guide Testimony:

• Biblical Guides are independent contractors, NOT our employees
• We CANNOT prevent biblical guides from being subpoenaed
• We CANNOT control what biblical guides say in court
• OurHolyLife will NOT pay for biblical guide legal fees or testimony time
• Any agreements with biblical guides about testimony are between you and them

What We Do NOT Store:

• OurHolyLife Platform does NOT record or store video/audio of sessions
• We do NOT store session transcripts
• We retain basic metadata (date, time, duration, participants) for billing purposes
• Chat messages may be stored temporarily and then deleted per our retention policy

Session Recording Policy:

• Guidance sessions are REAL-TIME video/audio only
• No recordings are created or stored by OurHolyLife
• Biblical Guides do NOT have storage on our platform for recordings
• If either party records the session locally (on their own device), that is their responsibility, NOT ours
• We CANNOT provide session recordings because we do not create or possess them
• Any local recordings by participants are governed by applicable recording consent laws

Data Requests for Legal Proceedings:

• Legal data requests must be sent to: [email protected]
• We require valid court order or subpoena for user data
• We charge ₹5,000 / $100 administrative fee for legal data requests
• Processing time: 14-30 business days
• We provide only data we actually possess

Platform Liability Disclaimer:

OurHolyLife is NOT responsible for:

• How guidance sessions affect marital relationships
• Decisions users make based on guidance advice
• Outcomes of divorce, custody, or family proceedings
• Damage to relationships caused by disclosure of session content
• Any party using session information against another

Couples Guidance Warning:

If you participate in couples/marriage guidance:

• Both partners have access to joint session information
• Either partner may disclose session content to others
• We CANNOT control what partners share outside sessions
• Separation of accounts after divorce is the users' responsibility
• We may limit access if notified of ongoing legal proceedings

9. Membership, Payments & Subscriptions

9.1 Membership-Based Software Model

OurHolyLife operates on a membership subscription model. You pay for access to our software platform and features, not for guidance services.

9.2 Payment Processing

• Payments are processed through secure third-party processors (Razorpay in India, Stripe in USA)
• Membership fees are billed according to your subscription plan (monthly/annual)
• You agree to provide accurate billing information

9.3 Guidance Session Payments

• Payments for guidance sessions are transactions between you and the independent biblical guide
• OurHolyLife processes these payments as a payment facilitator on behalf of biblical guides
• Platform fees are deducted before remitting funds to biblical guides
• Session refunds are governed by individual biblical guide policies

9.4 Subscription Pricing

• Subscription prices are displayed on the Platform
• We reserve the right to modify pricing with 30 days notice
• Price changes do not affect current billing cycles

9.5 Church Giving & Donations

[ALERT] CRITICAL DISCLAIMER: OurHolyLife DOES NOT HANDLE MONEY FOR CHURCH GIVING

9.5.1 UPI/Direct Giving (OurHolyLife NOT Involved in Payment)

For Church Giving features displaying UPI IDs, bank details, or other payment information:

YOU EXPRESSLY ACKNOWLEDGE AND AGREE:

1. NO MONEY FLOWS THROUGH OURHOLYLIFE: When you see a UPI ID, bank account, or payment QR code on OurHolyLife, your payment goes DIRECTLY to the church - NOT through our platform
2. WE ARE INFORMATION DISPLAY ONLY: We simply display payment information provided by churches - like a digital bulletin board
3. CHURCH RESPONSIBILITY: The church is solely responsible for:
   • Accuracy of their UPI ID, bank details, or payment information
   • Receiving and tracking donations
   • Issuing receipts and acknowledgments
   • Handling refunds or payment disputes
   • Tax compliance and 80G/501(c)(3) certificates
4. NO PAYMENT VERIFICATION: We have NO way to know if you made a payment, how much you paid, or if the payment was successful
5. NO PAYMENT RECORDS: We do NOT maintain records of UPI or direct payments - contact your church directly for receipts

OurHolyLife is NOT liable for:

• Payments made to incorrect UPI IDs displayed by churches
• Fraudulent UPI IDs or payment information provided by malicious actors
• Failed, delayed, or disputed transactions
• Lost funds due to any reason
• Churches failing to acknowledge or properly use donations
• Tax deductibility of any donation
• Any aspect of the financial transaction between you and the church

[WARNING] ALWAYS VERIFY: Before making any payment, independently verify the UPI ID or payment details with your church through a separate channel (phone call, in-person, official church website).

9.5.2 Platform-Processed Donations (Where Applicable)

Where OurHolyLife does process donations through integrated payment processors:

Important Clarifications:

• Payments are processed through third-party processors (Razorpay, Stripe)
• We do NOT receive, hold, or manage church funds - payments go directly to churches via payment processors
• OurHolyLife is a technology platform, NOT a charitable organization
• We are NOT a trustee, custodian, or fiduciary of any donations
• All tax exemption certificates (80G in India, 501(c)(3) in USA) are the responsibility of the receiving church/ministry
• We do NOT guarantee tax deductibility of any donations

Our Role is Limited to:

• Providing the technology for online donation processing
• Integrating with payment processors (Razorpay, Stripe)
• Generating transaction reports for churches

We do NOT:

• Hold or control donated funds
• Make decisions about fund usage
• Provide tax receipts on behalf of churches
• Guarantee security of funds after transfer to churches

9.6 Church Admin Fraud Prevention

Church Admins may NOT:

• Create fake or fraudulent church profiles to collect donations
• Misrepresent the church's legal status, registration, or tax-exempt status
• Claim donations for personal use rather than church purposes
• Create fake member accounts to artificially inflate membership
• Share or sell member personal data
• Create false events to collect registration fees
• Impersonate another church or ministry
• Falsely claim affiliation with denominations or organizations
• Use church admin privileges to harass or discriminate against members
• Collect donations for stated purposes and use them differently (misappropriation)

Consequences for Church Admin Fraud:

• Immediate church account suspension
• Freezing of pending donation payouts
• Reporting to RBI, police, or relevant authorities in India
• Permanent ban from the Platform
• Civil or criminal action as appropriate

9.7 Donation Abuse Prevention

Donors should be aware:

• Donations go directly to churches, NOT to OurHolyLife
• We are NOT responsible for how churches use donations
• We do NOT verify church tax-exempt or 80G status
• If you suspect donation fraud, report to: [email protected]
• We may investigate but CANNOT recover funds already transferred to churches

Churches must:

• Use donations for the purposes stated
• Maintain proper financial records
• Provide receipts to donors when requested
• Not solicit donations under false pretenses

9.8 FCRA Compliance (India - Foreign Donations)

[WARNING] IMPORTANT FOR INDIAN CHURCHES RECEIVING FOREIGN DONATIONS

Foreign Contribution (Regulation) Act, 2010 (FCRA):

Churches in India receiving donations from foreign sources (including NRIs, international credit cards, or foreign bank accounts) MUST comply with FCRA:

OurHolyLife's Position:

• We do NOT verify FCRA registration status of churches
• Churches are SOLELY responsible for FCRA compliance
• If a church receives foreign donations without FCRA registration, that is THEIR legal violation
• We will cooperate with Ministry of Home Affairs inquiries
• We may block cross-border donations to specific churches if directed by authorities

Consequences of FCRA Violations (for Churches):

• Government seizure of funds
• Cancellation of FCRA license
• Criminal prosecution of church administrators
• OurHolyLife is NOT liable for church FCRA violations

9.9 International Donations & Currency

For International Donors:

• Donations may be processed in INR, USD, or other currencies
• Currency conversion is handled by payment processors (Razorpay/Stripe)
• Exchange rates fluctuate; we do NOT guarantee any specific rate
• International transaction fees may apply
• Donation amounts shown are estimates; actual amounts may vary

For Churches Receiving International Donations:

• See FCRA requirements above (Section 9.8)
• Tax implications vary by country
• We provide transaction records, NOT tax advice

9.10 Refund Policy for Memberships

• Monthly subscriptions: No refunds for partial months; cancel anytime to stop future billing
• Annual subscriptions: Pro-rated refund available within first 30 days
• Refund requests should be submitted through [email protected]
• All refund requests must be made within 90 days of the transaction
• Chargebacks initiated without attempting resolution through our support may result in account termination

9.11 Chargeback & Payment Dispute Policy

[WARNING] CONTACT US BEFORE YOUR BANK

Chargeback Fraud Prevention:

If you have a billing issue:

1. Contact [email protected] FIRST
2. Include transaction ID and details
3. We will investigate within 48 hours
4. Refunds issued if error is confirmed

Fraudulent chargebacks include:

• Claiming "unauthorized" when you authorized
• Claiming "not received" when session was attended
• Claiming "not as described" without contacting us first

We reserve the right to:

• Contest fraudulent chargebacks with evidence
• Pursue collection for amounts owed
• Report fraud to credit bureaus and authorities
• Ban users from future bookings

9.12 Payment Processor Disclaimer

[WARNING] PAYMENTS HANDLED BY THIRD PARTIES

We use third-party payment processors (Razorpay, Stripe, etc.):

You acknowledge:

• Payment timing depends on processor operations
• International transfers may take 3-7 business days
• Currency conversion is at processor's rate
• We cannot control processor outages or freezes
• If processor withholds funds, payouts will be delayed

In case of processor issues:

• We will communicate delays
• We may arrange alternative payment methods
• Biblical Guide earnings are held until funds released
• No liability for processor-caused delays

9.13 Vendor & Infrastructure Outages

Third-party services we depend on:

• AWS (cloud hosting)
• Cloudflare (security/CDN)
• Razorpay/Stripe (payments)
• Video calling providers (WebRTC)
• Email service providers

If these services fail:

• We are NOT liable for downtime
• No refunds for service interruptions
• Force majeure clause applies
• We will restore service ASAP
• No SLA guarantee for free users

9.14 Data Loss & Backup Disclaimer

We maintain backups, but:

• No system is 100% immune to data loss
• Database corruption, cyberattacks, disasters may occur
• Liability for data loss is capped at minimum
• Users should export important data periodically
• We will make best efforts to recover data
• No guarantee all data is recoverable

10. Privacy & Data Protection

10.1 Data Collection

• We collect and process personal data as described in our Privacy Policy
• Data is used to provide and improve our services

10.2 Data Security

• We implement industry-standard security measures to protect your data
• End-to-end encryption is used for private messages

10.3 Your Rights

• You have the right to access, correct, or delete your personal data
• Contact us to exercise your data protection rights
• See our full Privacy Policy for complete details on data handling

10.4 Guidance Session Recording Consent

• Video/audio guidance sessions may be recorded by biblical guides for their records
• You consent to such recording by participating in sessions
• OurHolyLife does NOT access or store session recordings
• Recording policies are set by individual biblical guides

11. Intellectual Property

11.1 Platform Ownership

OurHolyLife and its licensors own all right, title, and interest in and to the Platform, including but not limited to:

• Software and Code: All source code, object code, algorithms, and software architecture
• Design and UI/UX: All visual designs, user interfaces, user experience flows, layouts, color schemes, icons, and graphics
• Features and Functionality: All platform features, tools, and functional implementations
• Trademarks: The "OurHolyLife" name, logo, taglines, and all associated branding
• Trade Secrets: All proprietary methods, processes, techniques, and know-how
• Documentation: All technical documentation, specifications, and materials
• Data Structures: Database schemas, data models, and organizational structures
• APIs: All application programming interfaces and integration methods

11.2 License to Use

• We grant you a limited, non-exclusive, non-transferable, revocable license to use the Platform software
• For Individual Members: Personal, non-commercial use
• For Church Admins: Use for managing your church community
• For Biblical Guides: Use for conducting your independent guidance practice

This license does NOT transfer any ownership rights to you.

11.3 Restrictions - STRICTLY PROHIBITED

[WARNING] ZERO TOLERANCE FOR IP INFRINGEMENT

You may NOT:

11.4 Competitor Restrictions

If you are or become affiliated with a competing platform, you may NOT:

• Use OurHolyLife to study our features, design, or user experience
• Create accounts to analyze our platform architecture
• Access our APIs to understand our data structures
• Recruit our users, biblical guides, or churches for your competing service
• Use information gained as a user to build similar features

Competing platforms include: Any mobile app, website, or service that provides faith-based community features, biblical guidance marketplaces, church management tools, or prayer-sharing functionality.

11.5 Trade Secrets Protection

The following are considered trade secrets of OurHolyLife:

• Platform architecture and system design
• Database schemas and data relationships
• Algorithm implementations (matching, recommendations, etc.)
• Pricing strategies and business models
• User acquisition and retention methods
• Biblical Guide vetting and approval processes
• Internal operational procedures

Disclosure of trade secrets will result in immediate termination and legal action.

11.6 Infringement Consequences

If you infringe our intellectual property, we may:

1. Immediately terminate your account and access
2. Pursue injunctive relief (court order to stop infringement)
3. Seek actual damages for financial harm caused
4. Seek statutory damages where available under law
5. Recover attorney fees and legal costs
6. Report to law enforcement (under Copyright Act, IT Act, etc.)

Damages we may seek include:

11.7 User-Generated Content

• You retain ownership of content you create (prayers, messages, posts)
• By posting, you grant OurHolyLife a worldwide, non-exclusive, royalty-free license to display, distribute, and use your content on the Platform
• This license ends when you delete your content (except for backups and legal retention)
• You may not upload content that infringes others' intellectual property rights

11.8 Testimonials & Reviews Disclaimer

[WARNING] USER REVIEWS ARE PERSONAL OPINIONS

OurHolyLife is NOT responsible for user testimonials:

You acknowledge:

• Reviews are user-generated content
• We do NOT verify truthfulness of reviews
• Reviews are personal opinions, not advertising
• Biblical Guide testimonials are NOT OurHolyLife claims
• We may display reviews but don't endorse them

FTC/ASCI Compliance (for biblical guides):

• Biblical Guides may not pay for fake reviews
• Biblical Guides may not offer incentives for positive reviews
• Material connections must be disclosed
• Fake testimonials = termination

11.9 DMCA / Copyright Takedown

For copyright owners:

• Send takedown notices to: [email protected]
• Include: identification of copyrighted work, infringing material location, contact information, good faith statement
• We will remove infringing content within 72 hours of valid notice

Counter-notices:

• If you believe content was wrongly removed, you may file a counter-notice
• We will restore content within 10-14 business days unless copyright owner files suit

11.9 Reporting IP Infringement

If you discover any platform, app, or service that appears to copy OurHolyLife:

• Report immediately to: [email protected]
• Include: URL/app name, screenshots, description of similarity
• We appreciate community vigilance in protecting our intellectual property

12. Third-Party Services

• The Platform may integrate with third-party services (payment processors, video calling, etc.)
• Your use of third-party services is subject to their respective terms and policies
• We are not responsible for third-party service availability or conduct

13. Disclaimers

13.1 Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES, CONTENT, FEATURES, AND FUNCTIONALITY ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OURHOLYLIFE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY - We make no warranty that the Platform is fit for commercial purposes
• IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE - We make no warranty that the Platform will meet your specific requirements
• IMPLIED WARRANTIES OF TITLE AND NON-INFRINGEMENT - We make no warranty regarding intellectual property rights
• WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE

13.2 No Guarantee of Results

OURHOLYLIFE DOES NOT WARRANT, REPRESENT, OR GUARANTEE:

• That the Platform will be uninterrupted, timely, secure, or error-free
• That defects will be corrected
• That the Platform or servers are free of viruses or harmful components
• The accuracy, reliability, or completeness of any Content
• The results that may be obtained from the use of the Platform
• That any guidance or spiritual guidance will produce desired outcomes
• That any information provided is correct, accurate, or reliable

13.3 Assumption of Risk

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE PLATFORM.

13.4 No Professional Advice

Content and guidance provided through the Platform, including but not limited to biblical guidance, AI-generated content, and community discussions, are for spiritual and informational purposes only. Such content:

• Does NOT constitute professional medical, psychological, psychiatric, legal, or financial advice
• Should NOT be relied upon as a substitute for consultation with qualified professionals
• May NOT be applicable to your specific circumstances

13.5 Third-Party Content Disclaimer

OurHolyLife is not responsible for and does not endorse any Content posted by Users, biblical guides, churches, or other third parties. The views expressed in User-Generated Content do not represent the views of OurHolyLife.

14. Limitation of Liability

14.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OURHOLYLIFE, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

• INDIRECT DAMAGES - Including but not limited to loss of profits, revenue, data, or business opportunities
• INCIDENTAL DAMAGES - Arising from or related to your use of the Platform
• SPECIAL DAMAGES - Including punitive or exemplary damages
• CONSEQUENTIAL DAMAGES - Including damages arising from reliance on any information obtained through the Platform
• LOSS OF GOODWILL - Or damage to reputation
• EMOTIONAL DISTRESS - Arising from guidance or other services obtained through the Platform
• COST OF SUBSTITUTE GOODS OR SERVICES

14.2 Cap on Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OURHOLYLIFE'S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE PLATFORM OR SERVICES SHALL NOT EXCEED THE GREATER OF:

• The amounts you have paid to OurHolyLife in the TWELVE (12) MONTHS immediately preceding the event giving rise to the claim; OR
• ₹5,000 (Indian Rupees Five Thousand) or $100 (US Dollars One Hundred), whichever is applicable

14.3 Application of Limitations

THE FOREGOING LIMITATIONS SHALL APPLY:

• Regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise
• Even if OurHolyLife has been advised of the possibility of such damages
• Even if a limited remedy provided herein is found to have failed its essential purpose

14.4 Jurisdictional Variations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR OTHER DAMAGES. IN SUCH JURISDICTIONS, OURHOLYLIFE'S LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

14.5 Acknowledgment

YOU ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN OURHOLYLIFE AND YOU, AND THAT OURHOLYLIFE WOULD NOT PROVIDE THE PLATFORM OR SERVICES ABSENT SUCH LIMITATIONS.

15. Indemnification

15.1 Your Indemnification Obligations

You agree to defend, indemnify, and hold harmless OurHolyLife, its parent companies, subsidiaries, affiliates, and their respective officers, directors, employees, agents, licensors, representatives, and third-party service providers (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, liabilities, damages, losses, costs, and expenses (including but not limited to reasonable attorneys' fees and court costs) arising out of or relating to:

• Your access to or use of the Platform
• Your violation of these Terms or any applicable law or regulation
• Your violation or infringement of any intellectual property, privacy, or other rights of any third party
• Any Content you create, upload, post, transmit, or otherwise make available through the Platform
• Your interactions with other Users, biblical guides, churches, or any third parties
• Any misrepresentation made by you
• Your negligent or wrongful conduct
• Any dispute between you and a biblical guide or church facilitated through the Platform

15.2 Defense and Control

OurHolyLife reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with OurHolyLife in asserting any available defenses. You shall not settle any claim without the prior written consent of OurHolyLife.

15.3 Survival

This indemnification obligation shall survive the termination or expiration of these Terms and your use of the Platform.

16. Dispute Resolution

16.1 Governing Law

For Users in India: These Terms shall be governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. The courts of Bengaluru, Karnataka, India shall have EXCLUSIVE jurisdiction over any disputes.

For Users in the United States: These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. For California residents, the California Consumer Privacy Act (CCPA) applies.

For Users in ALL OTHER COUNTRIES:

[WARNING] INTERNATIONAL USERS - PLEASE READ

If you access OurHolyLife from outside India or the United States:

You explicitly agree:

• India/USA laws govern regardless of where you live
• Local laws of your country do NOT apply (except consumer protection minimums)
• You must travel to Bengaluru, India for any legal proceedings
• OurHolyLife is NOT required to comply with every country's laws
• We may block access from countries with laws that conflict with our operations

GDPR (EU Users):

• We honor GDPR data rights (access, deletion, portability) for EU users
• Our Privacy Policy details how we handle EU data
• Data processing agreements available upon request

Countries Where We May Block Access:

• Countries under US/India sanctions
• Countries that prohibit Christian religious content
• Countries with laws incompatible with our platform operations

16.2 Single Jurisdiction - IMPORTANT

BY USING OURHOLYLIFE, YOU EXPRESSLY AGREE:

Why This Matters:

• India has 28 states with different laws (especially anti-conversion laws)
• We cannot defend lawsuits in multiple states simultaneously
• Centralizing in Bengaluru ensures consistency and reduces our legal burden
• This is standard practice for digital platforms

16.3 Intermediary Safe Harbor (IT Act 2000)

OurHolyLife is an "Intermediary" under Section 2(1)(w) of the Information Technology Act, 2000

Our Protections Under Law:

• We are a technology platform, NOT a content creator
• We are NOT liable for third-party content (user posts, biblical guide advice, church sermons)
• We qualify for safe harbor protection under Section 79 of IT Act
• We comply with IT Rules 2021 intermediary guidelines
• We have appointed a Grievance Officer as required by law

What This Means:

• If a biblical guide gives bad advice -> Sue the biblical guide, NOT us
• If a church posts controversial content -> Sue the church, NOT us
• If a user defames someone -> Sue the user, NOT us
• We are the platform, not the publisher

16.4 State-Specific Laws Disclaimer

Regarding Anti-Conversion Laws:

Various Indian states have anti-conversion laws (UP, MP, Gujarat, Karnataka, Himachal, Uttarakhand, etc.).

OurHolyLife's Position:

• We are a Christian faith platform for existing believers
• We do NOT promote or facilitate forced conversion
• Users affirm their voluntary participation (Section 3)
• Platform discussions of faith are protected religious expression
• We are NOT responsible if users violate state anti-conversion laws

If Your State Has Restrictive Laws:

• You are responsible for knowing your local laws
• Do NOT use this platform for unlawful purposes in your state
• We do NOT monitor for state-specific law compliance
• Any legal consequences are YOUR responsibility

16.5 Government & Regulatory Requests

We cooperate with lawful government requests:

• Valid court orders from Bengaluru courts
• Central government agency requests with proper authorization
• CERT-In security incident reports
• RBI/payment regulator inquiries

We may resist:

• Requests from state agencies without proper central authorization
• Requests that conflict with IT Act safe harbor
• Mass surveillance requests without court order
• Requests that violate fundamental rights

16.6 Informal Resolution

Before filing any legal claim, you agree to attempt to resolve disputes informally by contacting us at [email protected]. OurHolyLife shall endeavor to address your concern within thirty (30) days.

16.7 Arbitration

Disputes that cannot be resolved informally may be subject to binding arbitration:

• India: Under the Arbitration and Conciliation Act, 1996, with arbitration seated in Bengaluru
• USA: Under the American Arbitration Association (AAA) rules, with arbitration seated in Delaware

Class action waivers apply to the maximum extent permitted by law.

16.8 Time Limit for Claims

Any claim or cause of action arising from your use of the Platform must be filed within ONE (1) YEAR after such claim arose, or it shall be forever barred. This limitation applies to the fullest extent permitted by law.

17. Changes to Terms

• We may modify these Terms at any time
• Material changes will be communicated through the Platform or email
• Continued use after changes constitutes acceptance of updated Terms

18. Termination

18.1 By You

You may terminate your account at any time through account settings or by contacting support.

18.2 By Us

We may terminate or suspend your account for violations of these Terms or at our discretion with reasonable notice.

18.3 Effect of Termination

Upon termination:

• Your right to use the Platform ceases
• We may delete your account data subject to legal retention requirements
• Provisions that should survive termination will remain in effect
• Any pending guidance sessions should be completed or cancelled
• Outstanding payments owed to you (if biblical guide) will be processed per normal schedule

18.4 Survival

The following sections survive termination: Faith Affirmation, Limitation of Liability, Indemnification, Dispute Resolution, and any other provisions that by their nature should survive.

18.5 Platform Shutdown or Discontinuation

In the event OurHolyLife discontinues operations:

1. Notice: We will provide at least sixty (60) days notice before shutdown (unless prevented by legal or financial circumstances)
2. Data Export: During the notice period, you may export your personal data through the app or by request
3. Refunds: No refunds for prepaid subscription periods (you used the service until shutdown)
4. Biblical Guide Payments: Outstanding biblical guide earnings will be paid out on final payout date
5. Data Deletion: All user data will be permanently deleted within 90 days of shutdown, except as required by law

You acknowledge:

• We are under no obligation to operate indefinitely
• We may sell, transfer, or discontinue the Platform at any time
• You have no ownership interest in the Platform or its continuity

18.6 Acquisition or Merger

If OurHolyLife is acquired or merges with another company:

1. Notice: We will notify you of any acquisition that transfers your personal data
2. New Terms: The acquiring company's terms may replace these Terms
3. Data Transfer: Your data may be transferred as part of business assets
4. Opt-Out: You may delete your account if you do not accept new terms
5. No Consent Required: By using the Platform, you consent to potential future data transfer in acquisition

18.7 Government Blocking or App Store Removal

If the Platform is blocked by government order or removed from app stores:

1. No Refunds: We are NOT responsible for government actions; no refunds will be issued
2. Continued Operation: We may attempt to operate through alternative means (web, different app stores)
3. Data Access: We will attempt to provide data export if feasible
4. Force Majeure: Government blocking constitutes force majeure; we have no liability

Countries at Risk:

• Users in countries with restrictive internet policies (including but not limited to: China, Iran, North Korea) may experience service interruptions
• We may proactively block access from certain regions to comply with sanctions or local laws

19. General Provisions

19.1 Entire Agreement

These Terms constitute the entire agreement between you and OurHolyLife regarding the Platform.

19.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

19.3 Waiver

Failure to enforce any right does not constitute a waiver of that right.

19.4 Assignment

You may not assign your rights under these Terms. We may assign our rights without restriction.

19.5 Force Majeure

OurHolyLife shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, pandemics, strikes, or failures of third-party services.

19.6 Electronic Communications Consent

By using the Platform, you consent to receive electronic communications from us. These may include:

• Account notifications
• Service updates
• Marketing communications (opt-out available)
• Legal notices

Electronic communications satisfy any legal requirement that communications be in writing.

19.7 No Agency Relationship

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and OurHolyLife.

19.8 Headings

Section headings are for convenience only and have no legal effect.

19.9 Third-Party Services & Integrations

We use third-party services including:

• Payment processors (Razorpay, Stripe)
• Cloud hosting and CDN providers
• Video infrastructure (WebRTC providers)
• AI services (OpenAI, Google)
• Push notification services
• Analytics providers

Third-Party Disclaimers:

• We are NOT responsible for third-party service outages
• Third-party terms and privacy policies apply to their services
• We do NOT control or guarantee third-party performance
• Fees charged by third parties are their responsibility

19.10 Government & Law Enforcement Compliance

We may disclose information when required by:

• Valid court orders
• Subpoenas or legal process
• Government or regulatory agency requests
• Law enforcement with proper authorization

India-Specific Compliance:

• IT Act, 2000 and IT Rules, 2021
• Digital Personal Data Protection Act, 2023
• RBI regulations for payment processing
• Consumer Protection Act, 2019
• CERT-In reporting requirements

USA-Specific Compliance:

• DMCA takedown requests
• CCPA data requests (California residents)
• Law enforcement preservation requests
• National Security Letters (if applicable)

19.11 Accessibility

• We strive to make the Platform accessible to users with disabilities
• We do NOT guarantee WCAG 2.1 AA compliance at all times
• Accessibility issues should be reported to: [email protected]
• OurHolyLife shall make reasonable efforts to address accessibility concerns

19.12 Export Controls & Sanctions

• The Platform may not be used in countries under US/India sanctions
• You may not use the Platform if you are on any government sanctions list
• We may block access from sanctioned regions
• Violation may result in account termination and legal action

19.13 Anti-Money Laundering (AML)

• All payments are monitored for suspicious activity
• We may freeze accounts suspected of money laundering
• We report suspicious transactions to relevant authorities
• Large or unusual transactions may require additional verification
• We comply with PMLA (India) and related regulations

19.14 Language & Translations

• English is the official language of these Terms
• Translations are provided for convenience only
• In case of conflict, the English version prevails
• We are NOT responsible for translation errors

19.15 Notifications & Notices

Notices to You:

• Email to your registered email address
• In-app notifications
• Push notifications (if enabled)
• Notices are effective when sent

Notices to Us:

• Must be in writing to our registered address or [email protected]
• Legal notices must be sent to: [email protected]

19.16 Non-Exclusive Remedies

All remedies in these Terms are cumulative and non-exclusive. We may pursue any legal remedy available.

20. Contact Information

For questions or concerns about these Terms, please contact us:

OurHolyLife Support

• Email: [email protected]
• Website: https://ourholylife.com/contact

21. Acknowledgment

BY USING OURHOLYLIFE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Thank you for being part of the OurHolyLife community. We are committed to providing a safe, uplifting, and faith-filled experience for all our users.