Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the PeakAge mobile application ("App"), the PeakAge website at peakage.in ("Website"), and all care coordination services delivered through our platform (collectively, the "Service").

By creating an account, giving consent, or using the Service in any way, you agree to be bound by these Terms. If you do not agree, do not use the Service.

These Terms should be read alongside our Privacy Policy, which explains how we collect and use your personal data.

The Service is intended for use by:

• Sponsors: adults aged 18 or over who create and manage an account on behalf of one or more elderly parents or relatives ("Beneficiaries")
• Beneficiaries: the elderly parents or relatives in whose care the Service is engaged
• Care Staff: nurses, doctors, companion workers, and physiotherapists who access the platform to deliver services
• Platform Administrators: PeakAge staff who manage the platform

By registering as a Sponsor, you confirm that:

• You are at least 18 years of age
• You have the authority to act on behalf of the Beneficiary and to share their personal and health data with PeakAge
• The information you provide is accurate and complete to the best of your knowledge
• You will keep your login credentials confidential and not share account access with anyone outside your immediate household

3.1 What We Provide

PeakAge is a care coordination and health monitoring platform. We:

• Facilitate regular home visits by trained health coordinators (nurses) to check vital parameters
• Enable teleconsultation with partner doctors via phone or video
• Coordinate on-ground companion tasks (medicine pickups, utility bills, grocery runs, and similar daily errands) through dedicated companion workers
• Give family sponsors real-time visibility into their parents' vitals and health trends through the App

3.2 What We Are Not

• The vital parameter checks conducted during nurse visits are health monitoring and early-warning measures. They are not a substitute for clinical diagnosis, medical treatment, or specialist consultation.
• Doctor consultations facilitated through PeakAge are teleconsultations only. They do not constitute an ongoing doctor–patient relationship, and the doctors are independent partner professionals, not PeakAge employees.
• PeakAge does not itself provide emergency medical treatment, and does not own or operate ambulances. What PeakAge provides in an emergency is coordination (Section 3.3). The arrival time of an ambulance, hospital or other third-party responder is outside PeakAge's control.

3.3 Medical Emergencies

4.1 Plans

Plan inclusions (nurse visits, doctor consultations, and the monthly PeakAge Coins allowance) are as described on the Website and in the App at the time of subscription. PeakAge reserves the right to adjust plan inclusions, the PeakAge Coins allowance, and the coin cost of any redeemable service with at least 30 days' notice.

Changing plans. A Sponsor may move between the PeakAge Care plan and the Companion Plan. The change takes effect from the start of the next billing period after it is requested; the current period continues on the existing plan. Where autopay is set up, the Sponsor must approve a new mandate (Section 4.4).

Existing subscribers. Sponsors who subscribed to a previous PeakAge plan (including the plans previously named Shield and Pro) continue on the inclusions and price applicable at the time they subscribed until they are migrated to the PeakAge Care plan. PeakAge will give at least 30 days' notice before any such migration, and no migration will increase the price of an active subscription without the Sponsor's consent.

4.2 PeakAge Coins

• Each plan includes a fixed number of PeakAge Coins, credited at the start of every billing period (see Section 4.4).
• PeakAge Coins included in the Companion Plan can be redeemed for companion visits only. Other services on the coin menu come with the PeakAge Care plan.
• Coins may be redeemed only against the services and at the coin values published on the Website and in the App at the time of redemption.
• Coins have no monetary or cash value. They cannot be purchased separately, withdrawn, refunded, exchanged for cash or credit, transferred to another family, or used outside the PeakAge Service.
• Unused coins expire at the end of the billing period and do not carry over.
• Redemption is subject to the availability of a qualified provider in the Beneficiary's city and to reasonable scheduling notice. Where PeakAge cannot deliver a redeemed service, the coins are returned to the family's balance for that billing period.
• On cancellation or expiry of a subscription, any unredeemed coins lapse immediately and are not refundable.

4.3 Optional Add-Ons

• Add-ons are available with the PeakAge Care plan. Add-ons, including the Emergency Cover & Family Coordinator add-on, are optional, are billed monthly alongside the plan, and may be cancelled independently of the plan with effect from the end of the current billing period.
• The Emergency Cover & Family Coordinator service is included in the Companion Plan at no extra charge, on the same terms and limits as this Section, and ends when the Companion Plan ends.
• Emergency allowance. The Emergency Cover & Family Coordinator service includes coordination assistance for 1 emergency in each billing period, shared by all Beneficiaries in the household regardless of plan or number of Beneficiaries. An emergency may be medical or non-medical. An unused allowance does not carry over to the next billing period.
• When an emergency counts. The Sponsor raises an emergency in the App, by tapping the coordinator and confirming. It is counted when the coordinator accepts it. An emergency the coordinator rejects as not an emergency, or that the Sponsor cancels before it is accepted, is not counted.
• Additional emergencies. Any Sponsor with an active plan may buy additional emergencies at ₹2,000 each, in advance. Additional emergencies do not expire and remain on the account if the subscription ends, but may be used only while a plan is active. They are used after the billing period's allowance. Additional emergencies have no cash value and are not refundable once bought, except where required by law.
• No allowance left. PeakAge will not refuse coordination assistance because no allowance remains. An emergency acknowledged when the household has no allowance and no additional emergencies is charged at the additional emergency price, and the Sponsor agrees to pay it through the App.
• The coordination provided under the Emergency Cover & Family Coordinator add-on consists of a named Family Coordinator as the point of contact, the 24×7 emergency coordination described in Section 3.3 (including help arranging an ambulance), assistance in reaching local doctors and hospitals, and keeping the Sponsor informed. PeakAge does not itself provide medical treatment or operate ambulances, and the limits in Section 3.2 continue to apply.
• Services not listed in the plan or on the coin menu may be arranged on request and quoted separately.

4.4 Billing Period and Renewal

• A billing period is 30 days, paid in advance. Because 30 days is not the same as a calendar month, the payment date moves earlier by a few days over the course of a year. Your current period end date is always shown in the App.
• Payment must be made before the period begins. Plan inclusions become available on payment and are not backdated.
• There is no grace period. When a billing period ends without payment, nurse visits, doctor consultations, companion visits and coin redemptions cannot be booked from that point, and any unredeemed PeakAge Coins lapse under Section 4.2. Visits already scheduled and confirmed before the period ended are honoured.
• Records already created for a Beneficiary, including past visit reports and health readings, remain viewable in the App after a subscription ends. Paying at any time restores plan services with a fresh 30-day period and a fresh coin allowance; nothing is lost by a lapse other than the ability to book during it.
• Families subscribed before 7 September 2026 remain on the billing arrangement in place when they subscribed until they are notified otherwise in writing.

Where autopay is set up

• You authorise a standing instruction (an e-mandate) with your bank or UPI provider permitting us to collect the plan amount at the end of each billing period. You approve this once, in your bank or UPI app, and it continues until cancelled.
• Your bank or payment provider will notify you before each payment is collected. The amount collected is the amount shown in the App at the time you approved the mandate.
• We cannot change the amount of an existing mandate. If your plan price changes for any reason, including a discount arranged with your coordinator, a change to the number of parents covered, or a change of plan, we will ask you to approve a new mandate. Until you approve it, we will continue collecting the previous amount and your existing arrangement is unaffected.
• If a payment is declined, your bank may be asked to retry. If the retries are unsuccessful the mandate stops, your care continues to the end of the period you have already paid for, and you will need to set up autopay again. The App shows you when this has happened.

Where autopay is not set up

• The App shows a renewal reminder on the Sponsor's home screen from 3 days before the period ends. Where we hold valid contact details we may also send a reminder by message or email, but the Sponsor remains responsible for renewing on time.

4.5 Cancellation

• You may cancel your subscription at any time, from your profile in the App or by contacting us at omanshu@peakage.in.
• If you have autopay set up, you may also withdraw the mandate directly with your bank or UPI provider, without contacting us. We will be notified and will treat it as a cancellation.
• Cancellation takes effect at the end of the current billing period. You will continue to have access to the Service until that date.
• No partial-month refunds are provided unless PeakAge is unable to deliver the service for reasons within our control (see Section 4.6).

4.6 Refunds

Refunds will be considered in the following circumstances:

• PeakAge is unable to assign a nurse, doctor, or companion worker to your family within a reasonable time after subscription activation (more than 14 days)
• PeakAge ceases operations or is unable to deliver the subscribed service
• A billing error has occurred on our part

Refund requests must be submitted to omanshu@peakage.in within 30 days of the relevant billing date. We will respond within 7 business days.

Refunds are not provided for: unused visits or unredeemed PeakAge Coins within a billing period, dissatisfaction with individual visit outcomes, or circumstances outside PeakAge's reasonable control (see Section 9).

4.7 Quota and Allowance Usage

Each plan includes an allocation of nurse visits, doctor consultations and/or companion visits as applicable to that plan, plus a PeakAge Coins allowance, for each billing period. Unused visits and unredeemed coins do not carry over to the next billing period. Both are tracked in the App and visible to the Sponsor at all times.

4.8 Introductory Single Visits

PeakAge also offers individual nurse and companion visits on a one-off basis, without a subscription, in cities where this is available. These are priced and paid for per visit, include no PeakAge Coins allowance and no plan inclusions, and create no ongoing subscription or entitlement.

4.9 Companion Visit Duration

A companion visit, on a plan or as a single visit (Section 4.8), is booked for up to 2 hours. If a visit runs more than 5 minutes beyond its booked time, the extra time is charged for each 30 minutes or part of it, at the rate for the parents' city:

• Plan visits: ₹159 in Bangalore, ₹119 in Lucknow and Nagpur for each 30 minutes.
• Single visits: ₹199 in Bangalore, ₹149 in Lucknow and Nagpur for each 30 minutes.

The charge is shown in the App (or on the booking's tracking page) after the visit. It can be paid online, or in full with PeakAge Coins at 2 coins for each rupee due, but not partly in each. This coin rate applies to extra-time charges only: it does not make coins a currency, coins cannot be exchanged for cash, and coins spent on extra time are not refunded.

By using the Service, you agree to:

• Provide accurate, complete, and up-to-date information about the Beneficiary, including their health conditions, medications, emergency contacts, and home address
• Promptly update the App if any of the Beneficiary's information changes
• Ensure that the Beneficiary (or their caretaker) is available and cooperative during scheduled visits
• Not use the Service for any purpose other than care coordination for the registered Beneficiary
• Not attempt to access data belonging to another family or user
• Not reverse-engineer, copy, or misuse any part of the App or platform
• Treat PeakAge care staff with respect; abusive or threatening behaviour towards any staff member is grounds for immediate account termination

You acknowledge that the quality of care coordination depends in part on the accuracy and completeness of the information you provide. PeakAge is not liable for adverse outcomes arising from inaccurate or incomplete information provided by the Sponsor.

6.1 Staff Assignment

PeakAge will assign a nurse, doctor, and companion worker to your family upon subscription activation. Assignments are made at PeakAge's discretion based on availability and location. We will inform you of any change in assigned staff.

6.2 Scheduling

Appointments must be booked through the App. Bookings are subject to the lead-time rules displayed in the App at the time of booking (currently: nurse visits and doctor consultations require at least 1 hour's notice; companion bookings require at least 12 hours' notice). These may be updated from time to time.

6.3 Missed and Cancelled Appointments

• If you cancel a booked appointment with less than 2 hours' notice, the quota for that appointment is consumed.
• If a PeakAge staff member is unable to attend a booked appointment for reasons within PeakAge's control, the quota will be restored and the appointment rescheduled at no additional cost.

6.4 Scope of Nurse Visits

During each home visit, our nurses will: check the agreed vital parameters, record observations in the App, and flag any readings that require medical attention. Nurses are not authorised to administer medication, perform clinical procedures, or provide medical advice beyond their scope of practice.

6.5 Scope of Doctor Consultations

Doctor consultations are conducted remotely (phone or video). Doctors may provide: health advice, prescription recommendations, and referrals to in-person specialists. Prescriptions issued during teleconsultations are the professional responsibility of the partner doctor. PeakAge does not guarantee the availability of any specific doctor.

6.6 Scope of Companion Services

Companion workers handle pre-agreed errands including medicine pickups, utility bill payments, grocery runs, and similar tasks. PeakAge is not responsible for: the cost of goods or services purchased on the Beneficiary's behalf (these are at the Sponsor's expense), delays caused by third-party service providers, or tasks that require specialised professional knowledge.

• The PeakAge App, Website, brand, logo, and all software are owned by Peakwell Health Services Pvt. Ltd. You may not copy, modify, distribute, or create derivative works from any part of our platform.
• Your data belongs to you. Health records, vital readings, coordinator notes, and all personal data you and your care team create on the platform remain your property. PeakAge holds a limited licence to process this data solely for the purpose of delivering the Service to you, as described in the Privacy Policy.
• Anonymised, aggregated insights derived from platform data (with no individual identifiable) may be used by PeakAge for service improvement.

To the maximum extent permitted by applicable Indian law:

• PeakAge's total liability to you for any claim arising out of or in connection with the Service shall not exceed the total subscription fees paid by you in the 3 months preceding the claim.
• PeakAge is not liable for: indirect, incidental, or consequential losses; health outcomes resulting from a Beneficiary's underlying medical conditions; actions or omissions of independent partner doctors or physiotherapists; delays or failures caused by circumstances outside our control (see Section 9); or loss of data caused by device failure or unauthorised access to your account credentials.
• Nothing in these Terms limits liability for death or personal injury caused by PeakAge's negligence, or for fraud or fraudulent misrepresentation.

PeakAge is not liable for failure or delay in delivering the Service where such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to: natural disasters, pandemic or public health emergency, government action or regulation, power or internet infrastructure failure, or third-party service provider outages (including Supabase or cloud hosting providers).

In such circumstances we will notify you as soon as reasonably practicable and make reasonable efforts to restore the Service.

10.1 By You

You may close your account at any time by contacting omanshu@peakage.in. On account closure, your data will be handled as described in the Privacy Policy (Section 7).

10.2 By PeakAge

We may suspend or terminate your account immediately if:

• You provide false or materially inaccurate information
• You misuse the platform or attempt to access data you are not authorised to access
• You engage in abusive behaviour towards PeakAge staff
• You fail to make payment after a reasonable grace period
• We are required to do so by law or court order

Where possible, we will give you notice before suspension or termination and an opportunity to remedy the breach.

10.3 Effect of Termination

On termination, your access to the App and all associated services will cease. Your data will be retained and then deleted or anonymised in accordance with the Privacy Policy.

We may update these Terms from time to time. For material changes (those that affect your rights, costs, or the scope of the Service), we will:

• Notify you via the App and by email at least 14 days before the change takes effect
• Ask for your acceptance of the updated Terms before you continue using the Service

For minor changes (corrections, clarifications, formatting), we will update the "Last updated" date at the top of this document without prior notice.

Continuing to use the Service after the effective date of a material change constitutes your acceptance of the updated Terms.

If you have a complaint about the Service:

1. First step: Email omanshu@peakage.in with the subject line "Complaint: [your name]". We will acknowledge within 48 hours and aim to resolve within 14 days.
2. If unresolved: We will attempt to resolve the dispute through good-faith negotiation.
3. Arbitration: If negotiation fails, disputes shall be referred to a sole arbitrator under the Arbitration and Conciliation Act 1996 (India). The seat of arbitration shall be India. The language of proceedings shall be English.
4. Courts: Nothing in this clause prevents either party from seeking interim injunctive relief from a court of competent jurisdiction.

These Terms are governed by the laws of India, including the Consumer Protection Act 2019, the Information Technology Act 2000, and the Digital Personal Data Protection Act 2023. Any disputes that are not resolved through arbitration shall be subject to the exclusive jurisdiction of courts in India.

If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will continue in full force.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and PeakAge with respect to the Service and supersede all prior agreements and understandings.