Terms of Service – NiChat Official App

1. Acceptance of Terms

By downloading, accessing, or using NiChat, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the application.

2. User Account & Phone Verification

You must register with a valid mobile phone number and authenticate using the one-time verification code (OTP) sent to your device. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Permissible Usage

You agree not to use NiChat to:

Send unsolicited spam, bulk commercial messages, or phishing links.
Upload or distribute unlawful, harassing, defamatory, or harmful content.
Attempt to reverse-engineer, decompile, or compromise backend services and network endpoints.
Impersonate any person or entity without legal authorization.

4. Services, Payments & Bookings

NiChat provides an integrated platform connecting users to messaging, payments (via licensed partner payment gateways/UPI), and transportation/shopping services. Transactions performed through integrated third-party providers are subject to the respective provider's terms and applicable banking guidelines.

5. Termination & Account Deletion

You may terminate your account at any time directly through the app settings or by contacting privacy@cogfocus.com. We reserve the right to suspend or terminate accounts that violate these Terms of Service or engage in abusive behavior.

6. Limitation of Liability

NiChat and 14 DIST IT SOLUTIONS PRIVATE LIMITED provide the application on an "as is" and "as available" basis without warranties of any kind. We shall not be liable for indirect, incidental, or consequential damages resulting from your use of the service.

7. Contact Information

For legal inquiries regarding these terms, please contact:
14 DIST IT SOLUTIONS PRIVATE LIMITED
Email: support@cogfocus.com | privacy@cogfocus.com
Website: https://nichat.cogfocus.com