Terms & Conditions

● Last Updated: October 2026

Terms of Service & Community Guidelines

These terms govern your use of the Solvemate website, services, consultations, and wallet system.

1. Acceptance of Terms

By visiting, registering, accessing, or using the platform located at solvemate.com (referred to as "Solvemate", "we", "us", or "our"), you ("User", "Listener", or "Visitor") enter into a legally binding contract with Solvemate.

If you do not agree to every provision contained within these Terms and Conditions, you must immediately cease all access to and use of our platform.

2. Nature of the Platform

Solvemate serves solely as an intermediary technology platform bridging individuals seeking a listening ear ("Users") with verified independent listeners ("Listeners") who offer non-clinical conversation, guidance, and active listening across various life topics (such as relationships, academic stress, parenting, and career decisions).

3. Eligibility & Account Responsibility

To register an account on Solvemate:

• You must be at least 18 years of age or the age of legal majority in your jurisdiction.
• You agree to provide true, current, and complete information during registration (whether through email sign-up or Google OAuth).
• You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
• You may not impersonate any person, transfer your account to another individual, or operate multiple accounts to circumvent bans or penalties.

4. Listener Status & Relationship

Listeners are independent service providers, not employees, agents, partners, or representatives of Solvemate. While Solvemate conducts a profile review and verification workflow prior to approving Listeners, Solvemate does not guarantee the efficacy, wisdom, or accuracy of any personal opinions, statements, or viewpoints expressed by Listeners.

Listeners must maintain empathy, adhere to scheduled commitments, and never provide prescriptive medical prescriptions, legal counsel, or financial investment advice.

5. Wallet, Coins & Consultations

Solvemate operates an in-app digital coin wallet system to power consultations:

• Wallet Top-ups: Users purchase digital coins using real currency (INR) through authorized third-party payment gateways (Razorpay). Coins reflect immediately upon payment confirmation.
• Consultation Modes: Sessions may take place via Chat, Audio, or Video based on the mutual settings chosen.
• Billing Types: Consultations are charged either on a per-minute rate or as a fixed session fee, as indicated on the Listener's public profile before initiating the booking.
• Platform Fee: Solvemate deducts a platform service commission from session fees to cover infrastructure, server, and payment gateway costs, before crediting listener earnings.
• Coin Expiry & Non-Transferability: Wallet coins have no real-world cash value outside the Solvemate platform and cannot be transferred between user accounts.

6. Community Code of Conduct

Solvemate is built upon empathy, respect, and emotional safety. You agree NEVER to engage in any of the following prohibited behaviors:

1. Harassment & Hate Speech: Sending sexually explicit, abusive, threatening, defamatory, racist, or vulgar remarks to any User, Listener, or administrator.
2. Off-Platform Solicitations: Requesting or attempting to pay Listeners directly via UPI, cash, bank transfer, or external apps to bypass the Solvemate platform.
3. Sharing Sensitive Personal Data: Pressuring participants to share physical addresses, passwords, financial details, or government IDs.
4. Commercial Advertising & Spam: Promoting third-party commercial products, multilevel marketing schemes, or sending unsolicited links.
5. Platform Exploitation: Attempting to reverse engineer, scrape, inject harmful code, or artificially manipulate wallet coins or review ratings.

7. Strict Non-Recording & Confidentiality

Any violation of this non-recording policy will result in immediate permanent account termination, forfeiture of remaining wallet balance, and potential civil or criminal legal proceedings under applicable cyber and privacy laws.

8. Intellectual Property Rights

All trademarks, graphics, logos, software algorithms, UI designs, and text appearing on Solvemate are the exclusive property of Solvemate or its licensors. You are granted a limited, revocable, non-exclusive license to use the platform for personal, non-commercial purposes in compliance with these terms.

9. Account Suspension & Termination

Solvemate reserves the right, at its sole discretion, to suspend, freeze, or terminate your account at any time without prior notice if:

• You violate any clause of these Terms or related community policies.
• A user or listener receives repeated substantiated complaints or low trust scores.
• Suspicious payment, chargeback, or fraudulent wallet activity is detected.
• Required by law enforcement or judicial order.

10. Limitation of Liability & Disclaimers

Solvemate is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. Under no circumstances shall Solvemate, its founders, directors, or employees be liable for any indirect, incidental, consequential, or punitive damages resulting from your interactions with any Listener or User on the platform.

11. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes or claims arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Bangalore, Karnataka, India.

12. Contact & Grievances

If you have questions, feedback, or need to report a terms violation or abuse, please contact our Grievance & Compliance Team: