Terms of Service

Welcome to Xecure™, a product of Spinacle Technologies Private Limited ("Company," "we," "our," or "us"). By using our website, mobile application, or services, you agree to comply with and be bound by these Terms of Service. Please read them carefully before accessing or using our platform.

1. Acceptance of Terms

By using Xecure™, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree, please do not use our services.

2. Services Provided

Xecure™ provides the following services:

• Financial Assistance: Access to medical loans and crowdfunding support.

• Insurance Support: Guidance on claim processing and policy recommendations.

• Treatment Insights: AI-driven health tracking and engagement tools.

• Partnered Services: Connections with hospitals, NBFCs, insurers, and NGOs.

These services are subject to availability, eligibility, and compliance with our policies.

3. User Responsibilities

By using Xecure™, you agree to:

• Provide accurate and complete information when signing up or requesting services.

• Use the platform for lawful and intended purposes only.

• Maintain the confidentiality of your account credentials.

• Do not engage in any fraudulent, abusive, or unauthorized activities.

Failure to adhere to these responsibilities may result in suspension or termination of your access.

4. Financial & Insurance Disclaimers

• Xecure™ does not provide loans or insurance policies directly; we facilitate connections with registered NBFCs and insurers.

• Approval and processing of financial aid or insurance claims depend on third-party institutions, and Xecure™ is not responsible for their decisions.

• Any estimates or AI-based insights provided are informational and not a guarantee of financial approval or claim acceptance.

5. Data Privacy & Security

• We collect, store, and process user data in compliance with applicable laws (see our Privacy Policy for details).

• Users retain control over their data and can request modification or deletion as per our data policies.

• We implement strict security measures to protect user data but cannot guarantee absolute security against unauthorized access.

6. Intellectual Property

• All content, trademarks, logos, and technology on Xecure™ are owned by Spinacle Technologies Private Limited.

• Users may not copy, modify, distribute, or commercially exploit any part of the platform without prior written consent.

7. Limitation of Liability

• Xecure™ and Spinacle Technologies Private Limited are not liable for any direct, indirect, incidental, or consequential damages arising from the use of our services.

• We do not guarantee uninterrupted or error-free service and reserve the right to modify, suspend, or discontinue any service at any time.

8. Third-Party Links & Services

• Our platform may contain links to third-party websites, services, or applications.

• We do not endorse or assume responsibility for third-party services, and users interact with them at their own risk.

9. Changes to Terms

We may update these Terms of Service from time to time. Changes will be effective upon posting on this page, and continued use of our services constitutes acceptance of the revised terms.

10. Governing Law & Dispute Resolution

These Terms of Service are governed by the laws of India. Any disputes shall be resolved through arbitration in Chennai, India, by the Arbitration and Conciliation Act, 1996.

11. Contact Information

For any questions regarding these terms, please contact us:

📧 Email: care@xecure.in
📍 Registered Office: Spinacle Technologies Private Limited, 1/578 Valaiyapathi Salai, Mogappair East, Chennai - 600037
📞 Support: +91 8610244377