Grade F — Predatory terms (score 46/100)
The terms include a forced arbitration clause for financial services, a perpetual license to your content, and broad rights to share your data with third-party partners.
Forced arbitration, perpetual content license, and broad data sharing.
We may update these Terms or the Services at any time by posting the updated Terms and, where required by law, providing additional notice. Your continued use after updates means you accept the changes.
The company can change the terms at any time, and your continued use of the service acts as your agreement to those changes.
You grant us a worldwide, perpetual, nonexclusive, royalty free licence (with the right to sub licence) to host, store, use, reproduce, adapt, publish, translate, distribute, display, and create derivative works in any media.
You give the company a permanent, global right to use, modify, and share anything you post, which continues even if you delete your account.
disputes between you and HTDSL relating to partner/regulated journeys shall be finally settled by arbitration in New Delhi, India, under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by HTDSL.
For financial services, you are forced into private arbitration in New Delhi, and the company gets to appoint the arbitrator.
You must not use our content or metadata to train, fine tune, evaluate, benchmark, or improve AI/ML systems without a written licence.
The company explicitly prohibits using their content for AI training without their permission.
Paid plans renew automatically unless you cancel in your account settings before renewal.
You can manage and cancel your subscription directly through your account settings.
Last reviewed 2026-08-05 under rubric v3.5.