Terms of Service
These Terms of Service ("Terms") govern your access to and use of the StageBridge platform and all related applications, APIs, and documentation (collectively, the "Service") operated by the StageBridge entity identified in the Compliance Disclosures ("Company", "we", "us"). By accessing the Service, you agree to be bound by these Terms, the Privacy Policy, the Acceptable Use Policy, and — where you are a Housing Finance Company or other institutional customer (a "Customer") — the Data Processing Agreement and Service Level Agreement.
1. Who can use the Service
The Service is offered to two classes of user: (a) a Customer Institution — a National Housing Bank-regulated Housing Finance Company, NBFC, scheduled commercial bank, or other regulated lender that has executed an Order Form with us; and (b) an Authorised User — a natural person operating the Service on behalf of a Customer Institution (an operator, administrator, or end borrower). You must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872.
2. Account, authentication, and security
You must keep credentials confidential. The Service uses Supabase Authentication with email or phone-OTP. You are responsible for all activity under your account until you notify us of compromise. We may suspend an account immediately on reasonable belief of compromise.
3. Customer data and processor relationship
For data uploaded by the Customer Institution (loan records, verification photographs, borrower profiles, audit events), the Customer Institution is the Data Fiduciary under the Digital Personal Data Protection Act, 2023 ("DPDP Act") and we are the Data Processor. Our processing is governed by the Data Processing Agreement. Nothing in these Terms limits the Customer Institution's underlying obligations to its borrowers under the DPDP Act, the Information Technology Act, 2000 ("IT Act"), or the National Housing Bank Act, 1987.
4. Acceptable use
Use of the Service is subject to the Acceptable Use Policy. In particular you may not (i) upload content that infringes any third-party right; (ii) attempt to circumvent the verification controls, security layers, or audit trail; (iii) reverse engineer the Service except as permitted by Section 52(1)(ab) of the Copyright Act, 1957; or (iv) use the Service for any purpose prohibited by the Bharatiya Nyaya Sanhita, 2023, the Prevention of Money Laundering Act, 2002, the IT Act, the IT (Intermediary Guidelines) Rules 2021, or any other law that applies to you or to us.
5. AI-assisted decisions and human-in-the-loop
The Service uses one or more AI models (see Compliance Disclosures for vendor details) to triage construction-stage photographs and surface fraud signals. An AI verdict is advisory, not a decision. Every disbursement is approved by a human operator at the Customer Institution. The Service will not auto-approve a tranche on the AI's recommendation alone, and we make this enforceable in code by separating the AI worker from the approval path.
6. Pricing and payment
The Service is priced per verification successfully processed, as set out in the executed Order Form. Pricing includes Goods and Services Tax where applicable. We will issue a GST-compliant invoice every calendar month. Invoices are payable in Indian Rupees by NEFT or RTGS within 30 (thirty) days of the invoice date. Late payment attracts interest at 1.5% per month (compounded monthly) or the rate notified under the Micro, Small and Medium Enterprises Development Act, 2006, whichever is lower.
7. Term, suspension, and termination
These Terms commence on first acceptance and continue until terminated by either party with thirty (30) days written notice, or by us immediately on a material breach that you have not cured within fifteen (15) days of notice. On termination we will (a) stop processing within 24 hours; (b) export your configured data on request within 30 days; and (c) irreversibly delete personal data within 90 days, subject to record retention required by the National Housing Bank, the Prevention of Money Laundering Act, 2002 and the IT Act.
8. Intellectual property
We retain all rights, title, and interest in the Service. You retain all rights in your data and in any content you upload. You grant us a worldwide, non-exclusive, royalty-free licence to use that content only to operate, support, and improve the Service. Aggregated and anonymised statistics are excluded from this restriction.
9. Warranties
We warrant that we will provide the Service with reasonable skill and care under the SLA. We do not warrant that the Service will be uninterrupted or error-free, nor that AI outputs are accurate. To the maximum extent permitted by law, all other implied warranties — including merchantability and fitness for purpose — are disclaimed.
10. Limitation of liability
Neither party will be liable for indirect, consequential, or incidental losses. Aggregate liability under these Terms is capped at the fees paid by you to us in the twelve (12) months preceding the event giving rise to the claim. Nothing in this section limits liability for fraud, gross negligence, wilful misconduct, or amounts you owe us under Section 6.
11. Indemnity
You will defend, indemnify, and hold us harmless from any third- party claim arising from (a) your content; (b) your breach of these Terms or applicable law; or (c) a disbursement decision made by you on the Service. We will defend, indemnify, and hold you harmless from claims that the Service, as we provide it, infringes a registered Indian intellectual property right.
12. Force majeure
Neither party is liable for failures caused by events outside reasonable control: natural disasters, acts of government, cyber-attack, internet or upstream provider outage, or labour action.
13. Governing law and jurisdiction
These Terms are governed by the laws of India. The courts at Bengaluru, Karnataka have exclusive jurisdiction, without prejudice to the Customer Institution's right to bring regulatory complaints before the National Housing Bank, the Reserve Bank of India, or the Data Protection Board under the DPDP Act. Disputes that cannot be resolved by good-faith negotiation within 45 days will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996, seated in Bengaluru, with proceedings in English.
14. Changes to these Terms
We will give you at least 30 days notice of material changes by email and by an in-app notice. Your continued use of the Service after the effective date constitutes acceptance.
15. Contact
Legal queries: legal@stagebridge.in. For grievance redressal under the DPDP Act and the IT Rules 2021, see Grievance Redressal.