Terms of Use

Nexiom is operated by MarshallRidge Consulting Private Limited(“Company”, “we”, “us”, “our”). These Terms of Use (“Terms”) govern your access to and use of the Nexiom application and all associated services available at nexiom.marshallridgeconsulting.com (collectively, the “Platform”).

By clicking “I Agree”, by creating an account, or by accessing or using the Platform in any way, you enter into a binding legal contract with the Company on the terms set out herein. If you do not agree, do not access or use the Platform.

These Terms incorporate by reference our Privacy Notice, Disclaimer, Data Processing Addendum, and Refund Policy. In case of conflict, precedence is: (1) these Terms; (2) Refund Policy; (3) Data Processing Addendum; (4) Privacy Notice; (5) Disclaimer.

You must be at least 18 years of ageand legally capable of entering into binding contracts under applicable law. By creating an account you represent and warrant that you are 18 or older. If you are accessing the Platform on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms, in which case “you” includes that entity.

The Platform is not directed to persons under 18. We do not knowingly collect personal data from minors. If we discover that a minor has registered, we will immediately terminate that account and permanently delete all associated data.

• You must provide accurate, complete, and current registration information and keep it updated throughout the duration of your use.
• You are solely responsible for all activity that occurs under your account and for maintaining the confidentiality of your login credentials. We will never ask for your password.
• One account per natural person. Account sharing, sublicensing, or resale is prohibited without our prior written consent.
• You must promptly notify us at contact@marshallridgeconsulting.in of any suspected unauthorised access to or use of your account.
• We may require you to re-verify your identity or re-accept updated Terms at any time as a condition of continued access.

Nexiomis a personal-productivity and founder-support platform that provides (by plan tier and as features are rolled out): daily habit and goal tracking; body and fitness logging; a business ledger; AI-powered guidance (“Wisdom Corner” — powered by Anthropic Claude); gamification (XP, streaks, badges); task management; analytics and reporting; household account-sharing; community features; founder-to-founder connections; mentor and partner directories; and such other features as we may introduce from time to time (collectively, “Services”).

Feature availability varies by subscription tier and may change. We reserve the right to modify, suspend, or discontinue any feature at any time. Where a material feature is permanently removed, we will provide reasonable advance notice.

Nexiom offers a free trial period followed by paid subscription tiers. Current plan details and pricing are at our Pricing page. All prices are inclusive of applicable GST (currently 18%).

• Auto-renewal. Paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You retain access until the end of the current paid period.
• Payment processing.Payments are processed by Razorpay Software Pvt. Ltd. We never see, store, or process your card or UPI credentials. By subscribing you also agree to Razorpay’s applicable terms of service.
• Price changes.We will give you at least 30 days’ advance notice of any price increase. Continued use after the effective date constitutes acceptance.
• Failed payments. If a payment fails, we may suspend access to premium features until payment is resolved and may retry the charge within the billing cycle.
• GST invoices. A GST-compliant tax invoice is generated after each successful charge and is available in Settings → Billing. MarshallRidge Consulting Private Limited GSTIN: 27AAUCM9705F1ZY.

See our Refund Policy for full details. New subscribers are eligible for a 7-day money-back guarantee on their first paid period. We do not pro-rate refunds for cancellation mid-period except where required by applicable law.

You agree not to, and will not assist, encourage, or enable others to:

• Use the Platform for any purpose that is unlawful, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable under applicable Indian law.
• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the Platform or any underlying AI model.
• Scrape, crawl, data-mine, or extract data from the Platform using automated means without our prior written consent.
• Attempt to gain unauthorised access to any part of the Platform, server, network, database, or another user’s account.
• Probe, scan, or test the vulnerability of the Platform or any related system without prior written authorisation.
• Abuse the Wisdom Corner or any AI feature with automated queries, prompt-injection attacks, or attempts to manipulate or extract the underlying model’s system prompt or training data.
• Upload, transmit, or distribute viruses, malware, ransomware, spyware, or any other harmful or disruptive code.
• Circumvent any subscription restrictions, content-filtering, access controls, or security features of the Platform.
• Resell, sublicense, or commercially exploit the Platform or any data derived from it without our prior written consent.
• Send unsolicited commercial communications (spam) to other users or third parties through the Platform.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Infringe the intellectual property, privacy, or other rights of any third party.
• Use the Platform to violate any applicable law, rule, or regulation, including those of SEBI, RBI, or any other Indian or international regulatory body.

Violation of this section may result in immediate suspension or termination of your account and may expose you to civil and criminal liability under the IT Act, 2000.

Where the Platform includes community features, forums, direct messaging, profiles, posts, comments, or any other content that you or other users create, upload, post, or transmit (“User Content”), the following rules apply.

Your responsibility. You are solely responsible for all User Content you submit. You represent and warrant that: (a) you have all rights necessary to submit such content; and (b) your User Content does not violate any applicable law or third-party right.

You must not submit User Content that:

• is unlawful, defamatory, obscene, sexually explicit, threatening, or harassing;
• infringes any patent, trade mark, copyright, trade secret, or other intellectual property right;
• invades another person’s privacy or publicity rights;
• is false, misleading, or deceptive;
• constitutes unsolicited commercial communications;
• solicits investment, pitches securities, or makes financial recommendations in a manner requiring regulatory registration under SEBI or applicable law;
• promotes or facilitates any illegal activity; or
• violates any applicable Indian law or regulation.

Exposure to others’ content. You may be exposed to User Content posted by others that you find offensive or objectionable. You access such content entirely at your own risk. The Company is not responsible for any User Content posted by other users and is not liable for any loss or damage arising from your exposure to or reliance on such content.

No obligation to screen. We are not obligated to pre-screen, monitor, or remove User Content. However, we reserve the right (but not the obligation) to review, edit, remove, or disable access to any User Content at our sole discretion and without notice.

The Company acts as an intermediarywithin the meaning of Section 2(w) of the Information Technology Act, 2000 (“IT Act”) in respect of User Content. We claim the safe-harbour protections under Section 79 of the IT Act and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (“IT Rules 2021”), subject to compliance with the due-diligence requirements therein.

Takedown mechanism. If you believe that any User Content on the Platform: (a) violates your rights; (b) is unlawful or violates these Terms; or (c) ought to be removed for a valid legal reason, please submit a written complaint to our Grievance Officer (§ 23 below) specifying: (i) your contact details; (ii) a description of the content and its location; (iii) the legal basis; and (iv) a statement that the information is accurate to the best of your knowledge.

We will acknowledge receipt within 24 hours and endeavour to resolve complaints within 15 days (or such other period as prescribed under IT Rules 2021).

Where the Platform facilitates connections, introductions, or networking between founders, members, mentors, coaches, investors, or other users:

• No vetting or endorsement. We do not verify, screen, vet, endorse, or guarantee the identity, credentials, qualifications, financial standing, intentions, suitability, or trustworthiness of any user, mentor, investor, or third party listed on or introduced through the Platform.
• Not a regulated intermediary. We are not a SEBI-registered investment adviser, broker, dealer, or financial intermediary. We are not a party to any deal, transaction, partnership, investment, or agreement between users.
• Own risk and due diligence. Any communication, meeting, transaction, investment, agreement, or other dealing you enter into with any user you meet through the Platform is entirely at your own risk. You are solely responsible for conducting your own due diligence.
• The Company is not liable, to the maximum extent permitted by applicable law, for any loss, damage, harm, or claim of any kind arising from or related to your interaction with any other user, or from any transaction, investment, partnership, or other dealing facilitated through the Platform.

The Platform, all content displayed on it, all AI-generated responses (including Wisdom Corner answers), all community posts, and all information shared by other users constitute general informational material only and do not constitute:

• investment advice or a recommendation to buy, sell, or hold any security;
• financial, accounting, tax, or banking advice;
• legal, regulatory, or compliance advice;
• medical, health, or mental-health advice or diagnosis; or
• any other form of professional or regulated advice.

No guarantee of outcomes. We make no representation and give no guarantee that use of the Platform will result in: funding or investment; business growth or profitability; successful networking introductions; mentorship, partnerships, or hiring; improved health or well-being; or any other personal, professional, financial, or business outcome. Results depend entirely on your own effort, judgment, and external factors beyond our control.

You are solely responsible for all decisions you make based on any content or information available on the Platform. Consult qualified professional advisers (lawyers, chartered accountants, SEBI-registered advisers, medical professionals) for all significant decisions.

The Platform may integrate with or link to third-party services and websites. We have no control over such services and make no representation regarding their content, availability, security, or accuracy. Your use of any third-party service is at your own risk and subject to that service’s own terms and policies.

The Wisdom Corner uses Anthropic’s Claude API to generate AI-powered responses. AI-generated content may be inaccurate, incomplete, outdated, biased, or misleading. We do not warrant the accuracy, reliability, or fitness for any purpose of any AI-generated content. You must independently verify any AI-generated content before relying on it for any significant decision. See also our Disclaimer.

The Nexiom name, logo, brand, design, software, source code, curated content, AI prompts, and all other materials made available through the Platform (excluding User Content) are owned by or licensed to the Company and are protected by copyright, trade mark, and other applicable intellectual property laws.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Platform for your own personal or internal business purposes during the term of your subscription. All rights not expressly granted are reserved.

You must not copy, reproduce, distribute, publicly display, adapt, modify, create derivative works from, or commercially exploit any part of the Platform without our prior written consent.

You retain all ownership rights in your User Content. By submitting User Content to the Platform, you grant the Company a worldwide, royalty-free, non-exclusive, sublicensable licence to host, store, cache, reproduce, display, distribute, and process your User Content solely to the extent necessary to operate, provide, and maintain the Platform for you and, where applicable, to display your content to other users in accordance with your privacy settings.

This licence does not permit the Company to: sell your User Content; use your private diary entries, body data, financial records, or messages for advertising or marketing; or use your User Content to train AI models without your separate, express consent.

The Company may retain encrypted backup copies of deleted User Content for up to 30 days for disaster-recovery purposes, after which they are permanently purged.

You represent and warrant that your User Content does not infringe any third-party right and that you have all licences and permissions required to submit it.

To the maximum extent permitted by applicable law, the Platform and all Services, content, information, AI-generated responses, and materials available through it are provided on an “as is” and “as available” basis, without any warranty of any kind, whether express, implied, or statutory.

The Company expressly disclaims all warranties of: (a) merchantability; (b) fitness for a particular purpose; (c) non-infringement; (d) accuracy, completeness, timeliness, or reliability of any content or AI-generated response; (e) uninterrupted, error-free, or secure access to the Platform; (f) that defects will be corrected; or (g) that the Platform or its servers are free of viruses or other harmful components.

You assume full responsibility and risk for your use of the Platform, including all decisions made in reliance on any content or Service provided through it.

Mandatory carve-outs: Nothing in this section excludes any warranty or condition that cannot lawfully be excluded under the Consumer Protection Act, 2019 (for consumer users), the DPDP Act, 2023, or any other non-derogable applicable law. Statutory rights of consumer users are preserved in full.

To the maximum extent permitted by applicable law, in no event shall the Company, its directors, officers, employees, agents, affiliates, licensors, or service providers be liable for any:

• indirect, incidental, special, consequential, or punitive damages;
• loss of profits, revenue, data, goodwill, business opportunity, or anticipated savings;
• loss of any kind arising from networking introductions, investment decisions, business dealings, transactions, or agreements between users facilitated through the Platform;
• loss arising from your reliance on any content, AI-generated response, community post, or other information on the Platform;
• loss arising from unauthorised access to or alteration of your data; or
• any other indirect, special, or consequential loss or damage of any kind,

whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if the Company has been advised of the possibility of such loss or damage, and even if a remedy fails of its essential purpose.

In all cases, the Company’s maximum aggregate liability to you for all claims arising out of or related to these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees actually paid by you to the Company in the twelve (12) calendar months immediately preceding the date on which the claim arose; or (b) ₹10,000 (Indian Rupees Ten Thousand only).

Mandatory carve-outs — the above exclusions and cap do not apply to: (i) the Company’s own fraud or fraudulent misrepresentation; (ii) the Company’s own gross negligence or wilful misconduct; (iii) death or personal injury caused directly by the Company’s negligence; (iv) liability that cannot be limited or excluded under the Digital Personal Data Protection Act, 2023, the IT Act, 2000, or any other non-derogable applicable law; or (v) the non-waivable statutory rights of consumer users under the Consumer Protection Act, 2019.

If you are an individual accessing the Platform in a consumer capacity, nothing in this section limits your rights under the Consumer Protection Act, 2019 that cannot lawfully be excluded or limited.

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its directors, officers, employees, agents, and affiliates from and against all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• your access to or use of the Platform;
• your User Content;
• your violation of any provision of these Terms;
• your violation of any applicable law or regulation; or
• any claim by a third party arising from your conduct or content on the Platform.

We reserve the right to assume exclusive control of any matter subject to indemnification by you, at your expense. You may not settle any claim that imposes liability or obligations on the Company without our prior written consent.

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict-of-laws principles. Subject to §§ 19–20 below, all disputes not resolved by arbitration shall be subject to the exclusive jurisdiction of courts of competent jurisdiction at Thane, Maharashtra, India.

Informal resolution first. Before initiating any formal dispute, both parties agree to first attempt in good faith to resolve any dispute informally by contacting us at contact@marshallridgeconsulting.in and allowing 30 days for a response. This step is a condition precedent to formal dispute resolution and does not affect the 90-day notice requirement in § 21.

Scope. This § 19 applies if you are: (a) a paid subscriber on any plan; or (b) accessing the Platform on behalf of a business entity. If you are an individual accessing the Platform solely in a personal consumer capacity on a free trial, your right to approach consumer courts under the Consumer Protection Act, 2019 is expressly preserved and is not fettered by this clause.

Any dispute, controversy, or claim arising out of or relating to these Terms, your use of the Platform, or any breach, termination, or invalidity thereof that cannot first be resolved under § 18 (informal resolution) shall be finally resolved by binding arbitration under the Arbitration and Conciliation Act, 1996:

• Seat: Mumbai, Maharashtra, India. The courts of the High Court of Bombay shall have exclusive supervisory jurisdiction over arbitration proceedings.
• Language: English.
• Tribunal: For claims up to ₹50,00,000 (Rupees Fifty Lakhs), a sole arbitrator mutually agreed within 15 days of the notice of arbitration; failing agreement, appointed by the High Court of Bombay under Section 11 of the Act. For claims exceeding ₹50,00,000, a tribunal of three arbitrators — each party appoints one, and the two party-appointed arbitrators jointly appoint the presiding arbitrator within 15 days; failing agreement, the Bombay High Court appoints.
• Costs: Each party shall bear its own legal costs. Arbitral fees shall be borne equally unless the tribunal orders otherwise.
• Confidentiality: The existence, content, and outcome of proceedings are confidential.
• Interim relief: Nothing in this § 19 prevents either party from seeking urgent interlocutory relief from a court of competent jurisdiction.

To the fullest extent permitted by applicable law, each party irrevocably waives any right to bring or participate in any class, collective, consolidated, or representative action, claim, or proceeding against the other party, whether in arbitration, before a court, or before any other tribunal.

Severability: If this class-action waiver is found unenforceable as to any particular claim, that claim shall proceed in a court of competent jurisdiction under § 18 while all other claims proceed individually in arbitration under § 19. The unenforceability as to one claim shall not affect enforceability as to any other. This waiver does not apply to the extent it would prevent a consumer user from exercising non-waivable statutory rights under the Consumer Protection Act, 2019.

As a condition precedent to initiating any arbitration or court proceedings, the claiming party must give written notice of the claim to the other party within 90 days of the date on which the cause of action arose or was reasonably discoverable. Notice to the Company must be sent by email to contact@marshallridgeconsulting.inwith subject line “Notice of Claim” and must include: (a) a description of the nature and factual basis of the claim; and (b) the specific relief sought.

No shortening of limitation period: This notice requirement is a condition precedent only. It does not reduce or shorten the limitation period prescribed by applicable law (including Section 28 of the Indian Contract Act, 1872, which prohibits contractual abbreviation of statutory limitation periods).

The Company shall not be liable for any delay or failure in performance to the extent caused by circumstances beyond its reasonable control, including: acts of God; natural disasters; epidemics or pandemics; war, terrorism, or civil unrest; government action, sanctions, or regulatory orders; court orders; strikes or industrial disputes; telecommunications or internet service provider failures; power outages; or failures of third-party infrastructure providers (including hosting, database, or payment providers). We will use commercially reasonable efforts to resume affected performance as soon as practicable.

In accordance with Rule 4(2) of the IT Rules 2021 and the DPDP Act, 2023, the Company has designated a Grievance Officer:

• Name: Narendra Pratap Singh Tomar
• Email: contact@marshallridgeconsulting.in
• Postal address: MarshallRidge Consulting Private Limited, A Unit No 52, 2nd Flr, P No C-39A, Gami Ind. Park, MIDC, Thane 400705, Maharashtra, India
• Response time: Acknowledgement within 24 hours; resolution within 15 days (or such period as prescribed by applicable law).

If a data-related grievance is not resolved to your satisfaction, you may escalate to the Data Protection Board of India. Consumer users may additionally approach the appropriate consumer court or forum under the Consumer Protection Act, 2019.

By you.You may close your account at any time from Settings → Privacy & data → Delete my account. On deletion, your personal data will be permanently purged within 24 hours, subject to mandatory legal retention obligations. Closing your account does not entitle you to a refund except as provided in the Refund Policy.

By us.We may, with or without advance notice, suspend or terminate your access if: (a) you breach any provision of these Terms; (b) your conduct poses a risk to other users or the Platform; (c) required by applicable law, court order, or government direction; or (d) we elect to discontinue the Platform (in which case we will give at least 30 days’ notice where practicable).

Survival. §§ 7, 8, 9, 10, 11, 13, 14, 15, 16, 17, 18, 19, 20, 21, 27, 28, and any other provisions that by their nature should continue, survive termination for any reason.

We may update these Terms from time to time. For material changes (such as changes to pricing, arbitration, limitation of liability, or acceptable use), we will notify you in-app and by email at least 14 daysbefore the changes take effect, and you may be required to affirmatively re-accept before continuing to use the Platform. For non-material changes, we will update the “Last updated” date above.

Your use of the Platform is also governed by our Privacy Notice, which describes how we collect, use, store, and share your personal data in accordance with the DPDP Act, 2023. Our Privacy Notice is incorporated into these Terms by reference.

If any provision of these Terms is held invalid, illegal, or unenforceable by a court or arbitral tribunal of competent jurisdiction, that provision shall be: (a) modified to the minimum extent necessary to make it valid and enforceable while preserving the parties’ original commercial intent; or, if modification is not possible, (b) severed — in either case, the remaining provisions shall continue in full force and effect.

Severability of the class-action waiver is addressed separately in § 20. Any provision held invalid in one jurisdiction shall not affect the validity of that provision in any other jurisdiction.

• Entire agreement. These Terms (together with the Privacy Notice, Disclaimer, Data Processing Addendum, and Refund Policy) constitute the entire agreement between you and the Company in relation to the Platform and supersede all prior agreements, representations, and understandings.
• No waiver. Our failure or delay in exercising any right under these Terms shall not constitute a waiver of that right.
• Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations, including in connection with a merger, acquisition, or sale of assets, on notice to you.
• No partnership or agency. Nothing in these Terms creates any partnership, joint venture, agency, franchise, or employment relationship between you and the Company.
• Language. These Terms are in English. In case of conflict between the English version and any translation, the English version prevails.
• Electronic communications. You consent to receiving communications from us electronically. Electronic notices satisfy any requirement for written notice under these Terms.

General support: contact@marshallridgeconsulting.in
Legal, privacy & grievance matters: contact@marshallridgeconsulting.in
MarshallRidge Consulting Private Limited
MarshallRidge Consulting Private Limited, A Unit No 52, 2nd Flr, P No C-39A, Gami Ind. Park, MIDC, Thane 400705, Maharashtra, India