Grade F — Predatory terms (score 50/100)
The terms include a mandatory arbitration clause for financial services, a perpetual license to user content, and broad indemnification requirements.
Forced arbitration, perpetual content license, and broad indemnity.
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.
You waive your right to sue in court for financial service disputes and must use a company-appointed arbitrator.
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
The company can use your content forever, anywhere, and for any purpose without paying you.
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 acts as your agreement to the new terms.
You must not use our content or metadata to train, fine tune, evaluate, benchmark, or improve AI/ML systems without a written licence.
You are strictly forbidden from using their content for AI training purposes.
Paid plans renew automatically unless you cancel in your account settings before renewal.
You can manage and cancel your subscription easily through your account settings.
Last reviewed 2026-08-23 under rubric v3.5.