Terms of Service

NRIhub.ai is run by PairOx Pty Ltd ("NRIhub.ai", "we", "us"), a company incorporated in New South Wales, Australia. ABN 82 154 477 728, ACN 154 477 728.

Legal notices: legal@nrihub.ai. We give and receive legal notices by email.

Support: support@nrihub.ai

We do not offer phone support. Please contact us by email.

These terms cover the NRIhub.ai website at www.nrihub.ai and any NRIhub.ai app we release. We call these "NRIhub.ai" or "the service".

By creating an account or using NRIhub.ai, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use NRIhub.ai.

When you sign up, we ask you to confirm that you are 18 or older and to accept these terms and the Privacy Policy. We keep a record of which version you accepted and when.

• You must be at least 18 years old.
• You must be able to enter into a binding contract where you live.
• You must give us a real email address that you control.
• You may have one personal account. Do not create an account for someone else without their permission.

Some pages, such as city pages, can be viewed without an account. These terms apply to you when you view them.

NRIhub.ai offers:

• Nivi, an AI assistant for questions about life as a Non-Resident Indian, such as tax residency, money transfers to and from India and practical paperwork.
• Free tax calculators, for example for Indian tax residency days, the old and new tax regimes, tax deducted at source (TDS) and double tax treaties (DTAA).
• A personal documents area, where you can upload and keep your own documents.
• City pages and local directories for the cities we cover: Indian events, restaurants and other Indian food businesses, places of worship, community associations, and a settling-in checklist for people who have just moved to a new country. Most of this information comes from other sources (see section 9).
• Community associations that you can join for free through NRIhub.ai (see section 10).
• Planners: a travel planner for your trips, and a planner for weddings and other events, with a budget, a timeline, a guest list and links to your documents (see section 11).
• Your account and profile, including settings, notifications, a copy of your data and account deletion.
• Nivi Premium, a paid subscription (see section 7). Premium is the only thing you can buy on NRIhub.ai.

What NRIhub.ai does not do yet. You cannot buy tickets (including free tickets), order food, make a donation, book a ceremony or a service, pay membership fees, or hire or pay a vendor through NRIhub.ai. Where a listing mentions a price, a ticket, a fee or a donation, you deal with the organiser, business, association or charity directly, on their own website or in person, and their terms apply. We are not a party to that arrangement and we do not handle that money.

We may add, change or remove features. If we remove a feature that you pay for, we will tell you in advance and, where the change is significant, you may cancel and ask for a refund for the unused part of your paid period.

NRIhub.ai gives general information to help you understand your options. It is not legal, tax, financial, investment or immigration advice, and we are not a law firm, accountancy firm, bank or financial adviser.

• Nivi uses artificial intelligence. Its answers are generated automatically and can be incomplete, out of date or wrong. Check anything important with an official source or a qualified professional before you act on it.
• Tax calculators give estimates. Results depend on what you enter and on rules that change. They are not a tax return and not a ruling from any tax authority.
• The newcomer checklist and the travel planner give general information. Visa, OCI, immigration, banking and health rules change and depend on your situation. Check with the official source, such as the government website for your country, before you act. The travel planner shows the dates you enter; it does not check your documents with any government.
• Nivi is not an emergency service. If you or someone else is in danger, contact your local emergency number straight away. If you tell Nivi something that suggests you may be at risk, Nivi may show you helpline details.

• You sign in with a one-time code that we email to you. Keep access to your email account secure, because anyone who can read your email can sign in to NRIhub.ai as you.
• You are responsible for what happens in your account. Tell us at once at support@nrihub.ai if you think someone else has used it.
• Keep your details accurate. You can change them in your account settings.
• For some sensitive actions, such as buying Premium, downloading your data or deleting your account, we ask you to confirm with a fresh code.

What you get

Premium includes unlimited Nivi messages for personal use and the Premium tools listed on our pricing page when you subscribe. "Unlimited" is subject to fair use: we may limit use that is automated, abusive or far beyond normal personal use.

Price

• Monthly: USD 9.99 per month.
• Yearly: USD 89 per year.
• We may also offer the same plans in Canadian dollars. The price in each currency is shown on the pricing page.

The exact price, currency and any tax we must charge are shown on the payment page before you pay.

Paying

Payments are handled by our payment provider, Stripe, on a secure Stripe-hosted page. We never see or store your full card number. By paying, you also agree to the payment terms Stripe shows you.

Automatic renewal

Your subscription renews automatically at the end of each month or year, and Stripe charges your saved payment method the then-current price, until you cancel. Your subscription starts when your first payment succeeds.

If you are on the yearly plan, we will email you at least 30 days before it renews, with the price and how to cancel.

If we change the price, we will email you at least 30 days before the new price applies to you. If you do not want to pay the new price, you can cancel before your next renewal.

Cancelling

• You can cancel at any time in Account > Billing and plan (www.nrihub.ai/account/billing): select "Cancel renewal" and confirm it with the one-time code we send you. You can also email support@nrihub.ai and we will cancel for you.
• When you cancel, your subscription will not renew. You keep Premium until the end of the period you have already paid for. After that, your account returns to the free plan. Your account and data are not deleted.
• Deleting your account also turns off the renewal (see section 17).

Refunds

You can ask for a full refund within 14 days of your first payment, and within 14 days of a yearly renewal. Otherwise, payments for periods that have started are not refunded. Full details are in our Refund and Cancellation Policy. Nothing in these terms takes away your rights under consumer law (see section 15).

Failed payments

If a renewal payment fails, Stripe may try again over the following days. If payment still does not succeed, your Premium access ends and your account returns to the free plan. Your account and data are not deleted.

• "Your content" means what you type, upload or save in NRIhub.ai: for example your messages to Nivi, your documents, the figures you enter in calculators, your trips and event plans, and anything you post.
• You keep ownership of your content. You give us permission to store, process and display it only so that we can run NRIhub.ai for you, as explained in our Privacy Policy. If you post on a public page (section 10), you also allow us to show that post to the people who visit the page, for as long as it is up.
• To answer you, Nivi sends your messages and a short summary of your profile to our AI provider (see the Privacy Policy).
• You are responsible for your content. Only upload documents that you have the right to store. Do not upload documents about other people unless you are allowed to.
• We do not check or verify your documents. Keep your own copies of anything important.

Most of what you see on city pages and in the directories, such as events, restaurants and other food businesses, places of worship and associations, comes from other people: from public sources, including OpenStreetMap, from the websites of organisers and organisations, and from organisers who send it to us. We add it so that you can find things near you, but:

• We do not check or verify listings, unless a listing says that we have. A listing on NRIhub.ai is not a recommendation or endorsement.
• Listings can be wrong or out of date. Dates, times, prices, opening hours, addresses, contact details and food or dietary information change, and events can be cancelled. Check with the organiser or the place, for example through the link on the listing, before you travel, pay or rely on it.
• Your dealings with an organiser, business, place of worship, association or charity are between you and them. We are not responsible for their events, food, goods or services, for what they do with any money you give them, or for their websites.
• Links to other websites, such as an organiser's website, a map or a flight search, take you off NRIhub.ai. That website's own terms and privacy policy apply.

Some listings use data from OpenStreetMap, © OpenStreetMap contributors, available under the Open Database Licence at www.openstreetmap.org/copyright. If you would like a copy of the OpenStreetMap-based listing data we use, email support@nrihub.ai and we will provide it under the same licence.

Corrections and removal. If a listing is wrong, or you run an organisation that is listed and want its listing corrected or removed, email support@nrihub.ai with the link to the page and what should change. We aim to correct or remove it within 15 days. If a listing includes your own personal details, see "If you are named in a listing" in our Privacy Policy.

• Who can post. For now, only NRIhub.ai staff, and people we have confirmed run a listed association or place of worship, can publish posts (such as announcements) on its NRIhub.ai page. Other users cannot publish posts that other people see.
• Joining an association. Joining through NRIhub.ai is free. The association may have its own rules and fees, which it handles outside NRIhub.ai. You can leave an association at any time on the NRIhub.ai website, on your My memberships page, or email support@nrihub.ai and we will remove your membership.
• Rules for posts. Everyone who posts must follow section 12. Posts must be accurate, must come from the association or place they are posted for, and must not share other people's personal details without their permission.
• Reporting. If you see a post or listing that breaks these terms or the law, use Report where you see it (on the website on events, posts and listings; in the app on events and association announcements), or email our Grievance Officer at grievance@nrihub.ai with the link to the page.
• How we act on reports. We acknowledge a complaint within 24 hours and aim to resolve it within 15 days. Where Indian law requires it, we act on a request to remove content that breaks these rules within 72 hours, and we remove content that shows a person in a sexual or intimate way without their consent, or that impersonates them, within 24 hours of the complaint. We also act on lawful orders from courts and government agencies within the time the law sets.
• What we can do. We may remove a post or listing, or stop an account from posting, if it breaks these terms or the law. Where we can, we tell the person who posted it why, and they can ask us to look at the decision again by emailing grievance@nrihub.ai.

• The planners are for your own planning. What you put in the travel planner and the event planner is private to you. They do not book anything: you make your own bookings with airlines, venues and vendors.
• Other people's details. If you add other people's details, for example names, email addresses and phone numbers on a guest list, you must have the right to share them with us, and you are responsible for telling those people where the law requires it. Add only what you need for your planning. Do not add sensitive details about someone, such as their health, unless they have agreed. If you add a child, add only their name.
• We do not contact your guests. NRIhub.ai does not send invitations or messages to the people on your guest list.
• If someone on your guest list asks you to remove their details, remove them from the guest list yourself, or email support@nrihub.ai and we will do it for you. They can also ask us directly (see the Privacy Policy).

Do not use NRIhub.ai to:

• break any law, or help someone else break one;
• upload or post anything that is illegal, harmful, hateful, defamatory, obscene, sexually explicit, invasive of someone's privacy, or that infringes someone else's rights;
• post information that you know is false or misleading, or that hides where it comes from;
• post anything that threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with other countries, or public order, or that encourages violence;
• harass, threaten or impersonate anyone;
• try to get into accounts, systems or data that are not yours, or test our security without our written permission;
• upload malware, or interfere with or overload the service;
• scrape, copy or resell the service, or use automated tools to access it, except as we allow;
• use Nivi's answers to build a competing AI product.

We may suspend or close accounts that break these rules. Where it is reasonable, we will tell you why and give you a chance to respond.

NRIhub.ai, including its software, design, text and logos, belongs to us or our licensors. Listings may include information that belongs to others, such as OpenStreetMap data (section 9). You may use NRIhub.ai only to use the service for yourself under these terms. Nivi's answers to you are yours to use for your own purposes, but please remember section 5.

We work to keep NRIhub.ai available and secure, but we cannot promise it will always be available, error free or uninterrupted. We may need to pause it for maintenance, security or reasons outside our control.

Nothing in these terms limits rights that the law gives you and that cannot be excluded. For example:

• If you are in Australia, our services come with guarantees that cannot be excluded under the Australian Consumer Law.
• If you are in the United Kingdom or the European Union, you have a legal right to cancel a new digital subscription within 14 days. Our 14-day refund in section 7 is designed to cover this.
• If you are in India, you have rights under Indian consumer protection law.

If anything in these terms conflicts with those rights, those rights win.

• We are responsible for loss you suffer that is a foreseeable result of our breaking these terms or failing to use reasonable care and skill.
• We are not responsible for loss that was not foreseeable, for loss caused by events outside our reasonable control, for decisions you make based on general information from Nivi, the calculators, the newcomer checklist or the travel planner (see section 5), or for the events, places, goods and services of others that are listed on NRIhub.ai (see section 9).
• Where the law allows, our total liability to you for all claims is limited to the greater of USD 100 and the total amount you paid us in the 12 months before the claim.
• We do not limit liability where the law does not allow it, for example for death or personal injury caused by negligence, for fraud, or for the consumer guarantees in section 15.

• You can delete your account at any time in Account > Delete account. You then have 30 days to change your mind: signing in again within 30 days restores your account. After 30 days we permanently delete or anonymise your personal data, as described in the Privacy Policy.
• Premium and deletion: if you delete your account, we first turn off your Premium renewal, so you are not charged again. If you restore your account within 30 days, you keep Premium until the end of the period you have already paid for; if not, Premium ends at the end of that period or when we permanently delete your account, whichever comes first. If a renewal payment has failed and is still unpaid, we cancel Premium straight away and do not try to take that payment again. However, if you delete your account within 14 days of your first payment, we refund that payment in full and Premium ends at that time; otherwise we do not refund the rest of the period. Restoring your account within 30 days does not turn the renewal back on.
• We may suspend or close your account if you seriously or repeatedly break these terms, if the law requires it, or to protect other users. If we close your account without a good reason linked to your conduct, we will refund any unused part of a paid period.

We may update these terms, for example when we add features or when the law changes. If a change is important, we will email you at least 30 days before it applies. If you do not agree, you can stop using NRIhub.ai and cancel your subscription. If a change is to your disadvantage and you have Premium, you can cancel and we will refund the unused part of your paid period. The date at the top of this page shows when the terms last changed.

• Please contact us first at support@nrihub.ai. We aim to reply within 24 hours on business days.
• Grievance Officer (India): Rishu Kalra, Director, grievance@nrihub.ai. We handle grievances by email. We acknowledge complaints within 24 hours and aim to resolve them within 15 days. This covers complaints about our service, about content on NRIhub.ai (section 10) and about your personal data.
• These terms are governed by the laws of New South Wales, Australia. Disputes go to the courts of New South Wales. If you are a consumer, you can also bring a claim in the courts where you live, and the consumer protection laws of your country still apply to you.

• If a court finds part of these terms invalid, the rest still applies.
• If we do not enforce a right straight away, we can still enforce it later.
• You may not transfer your account or these terms to someone else. We may transfer them to a business that takes over NRIhub.ai, and we will tell you if that happens. Your rights under these terms will not be reduced.
• These terms, the Privacy Policy, the Cookie Policy and the Refund and Cancellation Policy, together with the plan details shown on the pricing and payment pages when you subscribe, are the whole agreement between you and us about NRIhub.ai.

PairOx Pty Ltd (ABN 82 154 477 728), a company incorporated in New South Wales, Australia.

Support: support@nrihub.ai

Complaints (Grievance Officer): grievance@nrihub.ai

Legal notices: legal@nrihub.ai. We give and receive legal notices by email.

We do not offer phone support. Please contact us by email.