Karmik Connect

Terms & Conditions

Last updated: August 22, 2026

These Terms & Conditions ("Terms") govern your access to and use of Karmik Connect, an astrology guidance and consultation service operated by Quantum Epoch Private Limited ("Quantum Epoch", "we", "us", or "our"). By creating an account, using the app or website, joining a consultation, or using any related service, you agree to these Terms.

1. Services

Karmik Connect provides astrology guidance, spiritual content, birth-profile tools, horoscope and matching features, AI-assisted guidance, support assistant features, wallet services, and access to astrologers through chat, audio, video, live, and related consultation workflows.

Astrology, spiritual, AI-generated, and consultation content is provided for informational, cultural, spiritual, and personal reflection purposes only. It is not medical, mental-health, legal, financial, investment, emergency, or professional advice.

2. Eligibility and Account Responsibility

  • You must be at least 18 years old and legally capable of entering into these Terms. Karmik Connect does not currently provide accounts or consultations for children. Do not create or use an account if you are under 18. We may suspend access and take appropriate deletion or safeguarding steps if we learn that an account holder is under 18.
  • You are responsible for the accuracy of information you provide, including name, mobile number, email, birth details, payment details, and consultation inputs.
  • You are responsible for maintaining control of your device, OTPs, account session, and app PIN. You must notify us if you suspect unauthorized access.
  • We may refuse, suspend, or terminate access where required for safety, fraud prevention, policy violations, legal compliance, or platform integrity.

3. Consultations, Calls, Chat, and Recordings

  • Astrologer availability, response time, consultation channel, and pricing may vary.
  • Consultations may use chat, audio, video, LiveKit sessions, WebSocket messaging, and push notifications to support real-time communication.
  • Every consultation is recorded and transcribed. This mandatory evidence is stored and processed for consultation history, dispute handling, safety review, fraud prevention, quality review, and legal compliance. If you do not acknowledge this processing, you cannot use Karmik Connect accounts or consultations. The acknowledgement confirms disclosure of required processing; it is not bundled with optional analytics, marketing, or targeted-advertising consent.
  • You must not record, copy, publish, resell, harass, impersonate, threaten, or misuse astrologers, users, or support agents.

4. Wallet, Payments, Pricing, and Refunds

  • Wallet top-ups, consultation charges, debits, offers, and pricing are shown in the app and may vary by astrologer, channel, duration, currency, taxes, promotions, or operational rules.
  • Payments may be processed through third-party providers such as Razorpay. Their terms, privacy practices, and payment rules may also apply.
  • Consultation billing may be based on elapsed time, accepted requests, session status, or other displayed rules. Wallet balance and order history should be checked in the app.
  • Refunds, reversals, failed payments, duplicate payments, or disputed charges are handled according to applicable law, payment-provider rules, and our operational review. Wallet credits are not transferable unless expressly allowed by us.

4.1 Currencies and regional availability

Depending on the pricing region and available payment provider, Karmik Connect may display or process INR, USD, EUR, GBP, AED, SGD, AUD, CAD, NZD, MYR, SAR, QAR, OMR, KWD, BHD, ZAR, CHF, SEK, NOK, DKK, HKD, THB, PHP, JPY, or KRW. Displaying a currency does not guarantee that every feature or payment method is available in every country and does not determine your legal residence. Your bank or payment provider may apply conversion charges, cross-border fees, verification, sanctions screening, or additional terms. Applicable taxes, consumer rights, and mandatory local payment rules continue to apply.

5. User Content and Reviews

You remain responsible for messages, questions, profile details, birth-profile information, support requests, feedback, reviews, photos, and other content you submit. You grant us a limited right to host, process, transmit, display, moderate, and use that content as needed to operate, secure, improve, and support Karmik Connect. Reviews may be moderated, hidden, deactivated, or removed if they are abusive, fraudulent, irrelevant, unlawful, privacy-invasive, or otherwise violate these Terms.

5.1 Privacy and browser choices

Our Privacy Policy and Cookie Policy explain how personal information and browser storage are handled. Strictly necessary storage supports requested account, security, and transaction features. Optional analytics, marketing, targeted advertising, sale, and sharing are not a condition of using the website. You may reject optional categories as easily as accepting them, change a choice through Privacy settings, or use the persistent "Do not sell or share my personal information" control. Supported Global Privacy Control signals are honoured and override conflicting stored optional choices.

6. Prohibited Conduct

  • Do not use the service for unlawful, fraudulent, abusive, threatening, exploitative, hateful, obscene, or harmful activities.
  • Do not attempt to bypass billing, abuse refunds, manipulate ratings, scrape data, reverse engineer the service, interfere with calls, disrupt infrastructure, or access another account.
  • Do not rely on Karmik Connect for emergency, medical, mental-health crisis, legal, financial, or safety-critical decisions.

7. Intellectual Property

Karmik Connect, Quantum Epoch branding, design, software, content, AI workflows, documentation, and service materials are owned by or licensed to Quantum Epoch Private Limited. You receive a limited, revocable, non-transferable right to use the service for personal, lawful purposes.

8. Disclaimers

The service is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted service, astrologer availability, specific outcomes, accuracy of astrology or AI content, compatibility with every device, or error-free operation.

9. Limitation of Liability

To the maximum extent permitted by law, Quantum Epoch Private Limited will not be liable for indirect, incidental, special, consequential, punitive, or loss-of-profit damages arising from or related to your use of Karmik Connect. Our total liability for any claim will be limited to the amount you paid for the specific service giving rise to the claim, unless applicable law requires otherwise.

10. Account Deletion and Retained Records

A Karmik Connect client may request account deletion in the authenticated app after ending active consultations, requests, payment activity, and customer-care calls. Access is then blocked, but the same account can be reactivated by completing its normal verified login within exactly seven days. A different or new number does not reactivate it.

If the request is not cancelled, ordinary account and profile data is deleted or irreversibly redacted. Restricted consultation and support evidence becomes eligible for deletion 365 days after processing begins. Issued invoices and financial records remain for their applicable legal or dispute period. A documented legal hold may extend the retention of selected evidence but does not reactivate the account or preserve unrelated profile data.

The full user-facing timeline, including the separate Karmik Connect Hiring process, is in the Account Deletion & Retention Guide. Privacy details are also available in our Privacy Policy.

11. Governing Law

These Terms are governed by the laws of India. Subject to applicable consumer protection law, courts with jurisdiction over Quantum Epoch Private Limited's registered operations will have jurisdiction over disputes. Nothing in these Terms removes mandatory consumer or data protection rights that apply to you in your country.

Depending on where you live and whether the relevant law applies to our processing, those mandatory rights may include India's Digital Personal Data Protection Act and Rules; the United Kingdom GDPR, Data Protection Act 2018, and Privacy and Electronic Communications Regulations; the European Union GDPR and applicable ePrivacy rules in the European Economic Area; and applicable United States federal and state privacy or consumer-protection laws, including the California Consumer Privacy Act as amended and the Colorado Privacy Act. Additional markets reflected by supported pricing currencies may include the United Arab Emirates, Singapore, Australia, Canada, New Zealand, Malaysia, Saudi Arabia, Qatar, Oman, Kuwait, Bahrain, South Africa, Switzerland, Sweden, Norway, Denmark, Hong Kong, Thailand, the Philippines, Japan, and South Korea. Their mandatory privacy, electronic-marketing, payment, and consumer laws apply when their territorial scope and coverage thresholds are met. References to these laws or markets do not mean every law applies to every person.

12. Changes to These Terms

We may update these Terms as the product, features, pricing, law, or operational practices change. Continued use after an update means you accept the revised Terms. Where applicable law requires a renewed notice, acknowledgement, or consent for a material change, we will request it before the affected processing begins.

13. Karmik Connect Hiring (Astrologer Onboarding)

Karmik Connect operates a separate hiring app and process for individuals who wish to become astrologers on the platform. The following terms apply specifically to applicants using the Karmik Connect Hiring app or any astrologer onboarding workflow.

13.1 Eligibility and Application

  • You must be legally eligible to work and provide professional or consultative services in your jurisdiction. By submitting an application, you represent that the information you provide — including personal details, date of birth, gender, location, education, work experience, skills, languages, topics, and references — is accurate and complete.
  • Submitting an application does not guarantee selection, shortlisting, or onboarding. We reserve the right to reject, defer, or discontinue any application at our discretion.
  • A referral code may be submitted at application time. Referral benefits, if any, are subject to our applicable referral terms and may be modified or withdrawn.

13.2 Identity Verification and Document Submission

  • As part of the onboarding process, you may be required to upload identity and verification documents, including Aadhaar card (front and back), PAN card, bank proof or cancelled cheque, astrology certificates, a passport-size photograph, and a signed agreement.
  • Documents are submitted for identity verification, KYC compliance, payment processing, and legal record-keeping purposes. You must upload only genuine, unaltered documents that belong to you. Submitting fraudulent, altered, or third-party documents is prohibited and may result in immediate rejection, termination, and referral to relevant authorities.
  • Uploaded documents are reviewed by authorised team members and kept securely while needed for the application and onboarding process. Eligible Hiring account deletion removes or irreversibly redacts applicant photos, KYC and application documents, certificates, and bank proof, subject to legal holds and required retention. Signed agreement versions and related signing evidence are retained for contract administration, audit, dispute handling, and applicable legal obligations.

13.3 Interviews and Video Sessions

  • The hiring process may include one or more interview rounds conducted in-app via audio/video sessions (using providers such as LiveKit or Agora), or externally via links provided by our team. Interview schedules, round types, and formats are determined by us and may change.
  • Before a recorded interview session begins, we will disclose the recording and request any affirmative agreement required by applicable law. Recording may be required for the stated evaluation, quality, and compliance process; where the law requires an alternative, contact us before joining. After Hiring account deletion, recordings are no longer available through the applicant account and become eligible for deletion 180 days after the mandatory 24-hour deletion deadline, unless a legal hold applies.
  • You must not record, share, publish, or distribute any interview content without our prior written consent.

13.4 Onboarding Agreement and Astrologer Status

  • Successful applicants will be required to sign an agreement governing their role, earnings, conduct, and obligations as an astrologer on Karmik Connect. The astrologer agreement will be provided separately and forms part of the terms applicable to onboarded astrologers.
  • Where offered, the applicant and an authorised company signatory may sign using Aadhaar-based eSign, a valid Digital Signature Certificate (DSC), or a physical or manual signature uploaded as a PDF. An authorised administrator may also upload a completed agreement signed by both parties.
  • Agreements and their signing history are versioned. We may issue a revised agreement for a new signing process. Earlier signed versions, completed signed PDFs, signature methods, provider status, and audit records remain part of the agreement history.
  • A successfully submitted applicant signature is recorded even while the agreement is awaiting the company signature. Applicant signature alone does not guarantee company acceptance, selection, or completed onboarding.
  • Onboarded astrologers are independent service providers, not employees of Quantum Epoch Private Limited, unless a separate employment agreement expressly states otherwise.

13.5 Reapplication and Reapply Restrictions

If your application is rejected, you may be subject to a reapply waiting period before submitting a new application. The duration and conditions of any reapply restriction will be communicated in the app.

13.6 Hiring Account Deletion

Self-service Hiring account deletion is available only before any signed agreement is successfully submitted. Once applicant signature evidence exists through a physical or manual upload, DSC, completed Aadhaar-based eSign, or an agreement uploaded as signed by both parties, the Delete Account option is unavailable and a deletion request will be refused. This applies even while the company signature is pending and across revised or superseded agreement versions. Account deletion is not a way to withdraw or cancel a submitted signature or agreement. While an Aadhaar eSign attempt is active, its provider status must be refreshed or completed before deletion eligibility can be determined.

For an eligible applicant, an authenticated deletion request disables access and becomes eligible for processing after a mandatory 24-hour waiting period. Signing in again does not cancel it. Processing deletes or irreversibly redacts login details, direct applicant information, KYC and application documents. A limited non-identifying decision or eligibility record may remain for audit, fraud-prevention, reapplication, or onboarding controls. Interview and hiring-call recordings become eligible for deletion 180 days after the 24-hour deadline. Deleting a Hiring account does not delete a separate service-provider account created after onboarding.

During the waiting period, a documented legal hold may pause the whole deletion while access remains disabled; after processing starts, a narrower documented hold may preserve retained recording evidence without restoring the account or profile. The hold must be formally released before the affected deletion or evidence purge can continue. This self-service restriction does not remove privacy rights available under applicable law; verified rights requests can be submitted through our privacy contact.

See the Account Deletion & Retention Guide for the complete timeline.

14. Contact

For questions about these Terms — including the hiring and astrologer onboarding process — contact Quantum Epoch Private Limited at connect@karmikconnect.com.