1. Acceptance
By creating an account or using Decode File, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the service.
2. What Decode File is — and isn't
- What it is: a tool that extracts and explains provisions of an insurance document you upload, highlights common clauses to watch for, and lets you ask questions about what the document says.
- What it isn't: legal, financial, tax, or regulated insurance advisory advice. We are not an IRDAI-registered insurance broker, agent, or advisor. The output of the product is informational, not a recommendation to buy, keep, switch, or claim on any policy.
Always verify the final terms of any policy directly with the insurer and, where needed, with a qualified professional.
3. Your account
- You must be at least 18 years old to use the service.
- You are responsible for keeping access to your email secure, since that is how we authenticate you.
- You may not share your account, impersonate another person, or create accounts using someone else's information.
4. Plans and payments
Free plan
- Includes one decoded policy, your clarity score, premium comparison, and access to the preview Q&A.
- Additional uploads are blocked until you upgrade.
Premium plan (₹999/year)
- Unlimited decoded proposals and policies.
- Full clause-by-clause report.
- Ask anything about your policy (subject to a daily fair-use cap).
- Download of the original PDF and the report PDF.
- Priority triage on urgent feedback.
Payments are processed by Razorpay. Prices are in Indian Rupees (INR) and are inclusive of applicable taxes unless stated otherwise. Premium is currently sold as a one-time annual charge; it does not auto-renew. We will email you before your access expires so you can renew manually.
5. Acceptable use
You agree not to:
- Upload files you do not have the right to share, or that contain another person's private information without their consent.
- Attempt to reverse-engineer, probe, or disrupt the service or its providers.
- Use the product to harass, defame, or harm any person or organisation.
- Scrape outputs or wrap the product in a competing service without written permission.
We may suspend or terminate accounts that violate these rules. In serious cases we may report the activity to the relevant authorities.
6. Intellectual property
- You retain all rights to the documents you upload.
- You grant us a limited licence to process those documents solely to provide the service (parse text, generate a decode, store them in your account, return them to you on request).
- The design, code, copy, and decoded-report format of Policy Decoder remain our intellectual property.
7. Availability and changes
We aim for high availability but cannot guarantee uninterrupted access. We may change, suspend, or discontinue features at any time. Material changes that affect paying customers will be communicated by email.
8. Refunds and cancellation
Refund terms are described on our Refund Policy page. You can stop using the product at any time; since Premium does not auto-renew, no separate cancellation step is needed.
9. Disclaimer and limitation of liability
Decode File is provided “as is”, without warranties of any kind, express or implied. We do not warrant that the output is error-free or complete. Insurance contracts are complex; we encourage you to cross-check every material detail against the policy schedule before taking action.
To the maximum extent permitted by law, our aggregate liability to you for any claim arising out of or in connection with the service is limited to the amount you paid us in the twelve months preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or special damages (including lost profits, missed claims payouts, or reputational harm).
10. Indemnity
You agree to indemnify and hold Decode File harmless from any claim or demand arising out of your misuse of the service or violation of these Terms.
11. Termination
- You can delete your account at any time by emailing us.
- We can suspend or terminate your account if you materially breach these Terms, with written notice where reasonably possible.
- On termination, we will delete your data per our Privacy Policy, except where we are legally required to retain it.
12. Governing law
These Terms are governed by the laws of India. Any dispute not resolved amicably shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka.
13. Changes to these Terms
We may update these Terms from time to time. The “Last updated” date at the top of the page will reflect when the most recent change took effect. If the change is material for paying customers, we will notify you by email at least 14 days before it takes effect.
14. Contact
Questions about these Terms? Email hello@decodefile.com.