ZEALVERT® Consulting

Terms & Conditions

Zealvert® Consulting | Version 3.1 | Effective Date: 1 September 2026

Please read Section 5 before you subscribe. send2ca encrypts your records on your own device with a passphrase only you hold. We cannot read your records, and we cannot recover them. If you lose both your passphrase and your recovery key, your records are permanently unreadable by everyone, including us. This is deliberate, and it is the single most important thing in this document.

Language. This document is published in English. Every consent notice we give you is available in English and in any language listed in the Eighth Schedule to the Constitution of India, as Section 5(3) of the Digital Personal Data Protection Act, 2023 requires. If you would also like this document itself in an Eighth Schedule language, write to consult@zealvert.com and we will send you a translation free of charge within 15 working days.

Version 3.1 (1 September 2026) replaces Version 3.0. It introduces Exohil, our AI-assisted career preparation application, in Sections 1, 3.1A, 3.1B and 4A, and states plainly that Exohil does not guarantee employment or any other outcome, and that an Access Period carries a 7-day window to report a fault rather than a change-of-mind refund. Existing section numbers are unchanged. Version 3.0 (29 August 2026) introduced send2ca, our hosted transaction record-keeping application, and stated in Section 5 the consequences of the end-to-end encryption it uses. This document remains aligned with the Digital Personal Data Protection Act, 2023 and its 2025 Rules, the Consumer Protection (E-Commerce) Rules, 2020, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 as amended in 2026.

Please read these Terms carefully before using our website, subscribing to our software, or engaging our services. By doing any of those things, you agree to be bound by them.

These Terms are a legally binding agreement under the Indian Contract Act, 1872, the Information Technology Act, 2000, and other applicable Indian laws.

1. Definitions

Where these Terms and a signed Agreement conflict, the signed Agreement prevails for that engagement.

2. Eligibility

By using our website, subscribing to send2ca, or engaging our services, you confirm that you are at least 18 years old, legally competent to enter into a contract under the Indian Contract Act, 1872, and authorized to represent your organization if you are acting for one.

send2ca may not be used by anyone under 18. If we learn that a child holds an account, we will suspend the account immediately and delete the child's personal data.

Exohil may not be used by anyone under 18, on the same terms. Exohil is offered in India and is designed around Indian qualifications, roles and salary conventions.

Your account is personal to you. Do not share your sign-in, your passphrase or your recovery key with anyone. You are responsible for everything done through your account.

3. What we provide

3.1 Professional services. Consulting, Applied AI education, business process quality, project management and related professional services, as described in the relevant Agreement.

3.1A Exohil. An AI-assisted application that helps a person prepare for a target job role. It records a verified profile, measures recorded skills against the requirements of a role through assessments you sit, identifies the gaps, and produces a paced preparation plan, together with mock interviews, written communication practice, resume review and job-description analysis. Some parts are free and some require a paid Access Period; which is which is shown in the application.

3.1B What Exohil is not, and what it does not promise. Exohil is a preparation tool. It is not a recruitment agency, a job board, a placement service, a course marketplace, a resume-writing service, or a general-purpose chatbot. It does not apply for jobs on your behalf, does not forward your details to employers, and has no relationship with any employer. Exohil does not guarantee employment, an interview, a shortlisting, a salary, or any other outcome, and no statement made anywhere in the application or in our marketing should be read as such a guarantee. The scores, gaps, plans and estimates it produces are aids to your own preparation, and the work and the decisions remain yours.

3.2 send2ca. A hosted application for recording day-to-day business transactions and exporting them, in the edition you subscribe to. Each account's records are kept separate from every other account's, and are encrypted so that only the account holder can read them. Editions differ in the number of entries they hold and in how far back a past-dated entry may be edited; the limits applying to each edition are those shown in the application at the time you subscribe.

3.3 Desktop software. Zealvert Payslips Processor and similar applications, distributed through the Microsoft Store and governed additionally by that store's own terms.

3.4 What send2ca is not. send2ca is a record-keeping tool. It is not an accounting, audit, book-keeping or tax-filing service, and it does not give tax advice. Its exports are summaries of what you entered; they are not statutory records and not GST-compliant tax documents. You are responsible for the accuracy of everything you enter and for your own statutory filings, and you should have your accountant review them.

3.5 We do not guarantee specific outcomes. Our advisory, educational and software services support your own decisions. send2ca states facts drawn from your own data; it does not give advice, and you remain responsible for every decision you take.

4. send2ca subscriptions

4.1 The free trial, and what happens at the end of it. A new account begins on a free trial. Its entry allowance and its length are stated in the application at signup. A trial never converts into a paid subscription automatically. We ask you explicitly before any charge is made, and we do not use pre-ticked boxes.

A trial account is deleted automatically, and the deletion is permanent. If you do not subscribe before the trial ends, your account and every record in it are permanently erased by an automated process. We warn you before that happens - inside the application, and by email to the address on your account once email notices are in service - and you may export everything at any time from the Export screen. Once erased, nothing can be recovered - not by you, and not by us. Export first if you want to keep anything.

4.2 Term and renewal. A Subscription runs for the term stated at purchase - monthly or three-monthly - and renews for successive terms of the same length unless canceled. We give you a renewal reminder at least 7 days before each renewal charge, stating the amount and the date. We send that reminder to the email address on your account, or show it inside the application, or both. Keeping a working email address on your account is therefore how you stay informed about renewals; see Section 3.2 of our Privacy Policy for what else we use it for and what we never use it for.

Where you pay by e-mandate (an automatic payment you set up on a card, bank account or UPI), your card issuer or bank will send you a pre-debit notification at least 24 hours before each debit, stating our name, the amount, the date and the mandate reference, as required by the Reserve Bank of India's Digital Payments - E-mandate Framework, 2026. Recurring debits up to ₹15,000 are processed without additional authentication; above that amount you will be asked to authenticate each debit. You may modify or withdraw the e-mandate at any time through your bank or card issuer, without reference to us. Withdrawing the mandate stops future debits but does not by itself cancel your Subscription, so please also tell us.

4.3 Cancelling. You may cancel at any time, from within the application or by writing to consult@zealvert.com. Cancelling is no harder than subscribing - no phone call, no retention conversation, no reason required. Cancellation stops the next renewal. Refunds are governed by our Cancellation and Refund Policy, which gives you a 7-day refund window.

4.4 Price changes. We may change subscription prices. Any change applies from your next renewal only - never mid-term - and we will tell you at least 30 days beforehand. If you do not accept the new price, cancel before it takes effect and you pay nothing more.

4.5 Reaching your entry limit. When an account reaches the entry limit for its edition, it becomes read-only: existing records stay intact and remain exportable, but no new entry can be added until you upgrade or remove entries. We do not delete anything because a limit was reached.

4.6 Suspension. We may suspend a Subscription for non-payment, for a breach of Section 6, or where the law requires. Except in an emergency or where the law requires immediate action, we will give notice and a reasonable opportunity to fix the problem first. During suspension for non-payment you keep the ability to sign in and export your records.

4.7 Availability. We aim to keep send2ca available at all times, but we do not warrant uninterrupted or error-free operation. We give reasonable advance notice of planned maintenance where we can.

4.8 Changes to the service. We improve the application continuously. We will not remove a material feature you are paying for without at least 30 days' notice. If we do, you may cancel immediately and receive a pro-rata refund (a refund in proportion to the time left) of the unused part of your paid term.

4A. Exohil Access Periods

4A.1 What you pay, and what it buys. Exohil is sold as a single Access Period at the price shown in the application at the time you buy. The price shown includes GST, and no charge is added at checkout that was not shown in the price you saw. Payment is taken once, for one period.

4A.2 There is no auto-renewal. An Access Period does not renew by itself. Nothing is charged again unless you choose to buy another period. We do not set up an e-mandate, a standing instruction or any other automatic debit for Exohil, so there is nothing to cancel and nothing to withdraw.

4A.3 Buying again adds to what is left. If you buy a further Access Period while one is still running, the new days are added to the end of the period you already hold. You do not lose days you have already paid for.

4A.4 An Access Period is not a deadline for your career. The number of days you buy governs how long the paid parts of the application are open to you. It does not govern how long your preparation should take, and the plan Exohil produces is never shortened to fit it. The estimate you are given reflects the hours you told us you can give and the gaps that were measured, and nothing else. We will not tell you that you must be ready by any date.

4A.5 What happens when it ends. When an Access Period ends, the paid features close. Nothing is deleted. Your profile, resumes, assessment results, preparation plan, practice history, saved job descriptions and applications all remain, you may still sign in and read them, and they are waiting unchanged if you buy a further period.

4A.6 What is free, and stays free. Creating an account, recording your profile and objective, uploading a resume, sitting the skill assessments, seeing your gaps, and keeping your record of applications do not require payment. You can therefore measure yourself before deciding whether to pay for anything.

4A.7 You are responsible for what you enter. Exohil records what you provide and does not independently verify it. Your name, date of birth, first graduation and graduation year are confirmed by you at registration, by entering them twice, and lock permanently a short time afterwards; the remaining education details and your original resume lock a little later. The exact periods are stated in the application. Once a detail has locked it cannot be corrected, by you or by us. The only remedy is to delete your account permanently and register again. Please therefore keep your own record of what you entered, and check it before it locks.

4A.8 Your resumes. The first resume you upload is retained as a permanent baseline and is not replaced. After that, we keep the three most recent uploads; when you upload a fourth, the oldest of the three is deleted from storage. Analysis always reads your most recent resume.

4A.9 Deleting your account. You may delete your Exohil account at any time, from Settings within the application. Deletion is immediate and permanent: your profile, resumes, assessments, plan, practice history, saved jobs and applications are erased, the resume files are removed from storage, and nothing can be recovered afterwards, by you or by us. Records we are required by law to retain, such as payment and tax records, are kept as described in our Privacy Policy.

4A.10 How artificial intelligence is used, and how it is not. Exohil uses a third-party large language model to do the things that genuinely need language understanding: describing a job role you name, reading a job advert you paste, writing assessment questions, and marking written practice and mock interview answers. Every number you are shown, including your readiness score, your skill gaps and your fit against a job, is computed by ordinary arithmetic from what you recorded, not generated by the model. The model is never permitted to change your verified profile, your assessment results, your payment status or your access. What is sent to the provider, and what is not, is set out in Section 6 of our Privacy Policy.

4A.11 AI output can be wrong. Language models make mistakes. Role descriptions, questions, feedback and analysis produced by Exohil are checked against rules we wrote, but they are not guaranteed to be accurate, complete or suitable for your circumstances. Treat them as informed suggestions, not as professional advice, and do not rely on them as your only source when making a decision about your career, your education or your finances.

4A.12 Fair use. Some parts of Exohil are limited per day, because each one costs us money to run. The limits in force are shown in the application. We may adjust them, and we may suspend an account that attempts to defeat them by automated means.

4A.13 Suspension, availability and changes. Sections 4.6, 4.7 and 4.8 apply to Exohil as they apply to a Subscription, reading "Access Period" for "Subscription". During any suspension for a reason other than your own breach, you keep the ability to sign in and read your own records.

4A.14 Refunds. An Access Period is not sold with a change-of-mind refund. You have 7 calendar days from the charge to report a fault, and a refund is due where Exohil did not do what we said it does. This is stated before purchase, and it is offered on the footing that the whole measuring half of Exohil is free (Section 4A.6), so nobody needs to pay in order to find out whether it suits them. Your rights under the Consumer Protection Act, 2019 are unaffected: where a service is defective, deficient or not as advertised you are entitled to a refund whatever these Terms say. The full detail is in our Cancellation and Refund Policy.

5. Encryption, your passphrase, and what we cannot do

This Section describes a limitation you are accepting deliberately, in exchange for privacy that we cannot breach even if we wanted to. Please be sure you understand it.

5.1 How it works. When you set up send2ca you choose a passphrase. That passphrase never leaves your device and is never sent to us. Your records are encrypted in your own browser, using a key derived from it, before they are uploaded. What reaches our servers is ciphertext - unreadable data - together with the limited unencrypted fields listed in Section 8.4.

5.2 What this means we cannot do. We cannot read your transactions, amounts, party names, descriptions or GST details. We cannot reset your passphrase. We cannot recover, decrypt, export or reconstruct your records for you, whatever the circumstances - not on your request, not on a court order, not for a regulator, and not in an emergency. There is no administrative override, no master key, and no back door. This is a property of the design, not a policy we could choose to relax.

5.3 Your recovery key. At setup we show you a one-time recovery key and ask you to save it. It is the only way back into your data if you forget your passphrase. Store it somewhere safe and separate from your device. We do not keep a copy, and we cannot reissue it.

5.4 If you lose both. If you lose your passphrase and your recovery key, your records are permanently unreadable. The account will still exist and you will still be able to sign in, but the data inside it cannot be opened by anyone. Your only remedy is to delete the account and begin again.

5.5 Keep your own copies. Because of the above, you should export your records regularly - to PDF, CSV or JSON, from the Export screen - and keep those exports with your own business records. We recommend this in the strongest terms for anything you consider business-critical.

6. Acceptable use and prohibited content

You must not use send2ca, or our website, to host, store, upload, publish, transmit or share anything that:

You must not attempt to access another account's data, probe or test the security of the service without our written permission, resell access without our written permission, or use the service to build a competing product.

A note on how we can and cannot enforce this Section. Because your records are encrypted and we cannot read them, we cannot monitor, screen or proactively detect prohibited content inside them. We act on what is reported to us and on lawful orders. Where content is unreadable to us we can suspend or delete the account that holds it, but we cannot inspect, produce or selectively remove its contents. We state this plainly rather than imply a capability we do not have.

Reporting. Anyone may report content or conduct that breaches this Section to consult@zealvert.com. We act within the timelines in Section 12.

Cooperation with authorities. We will remove or disable access to content within 3 hours of receiving an order from a court of competent jurisdiction, or a reasoned intimation from an authorized officer of the Appropriate Government or its agency. We will furnish information to an authorized government agency within 72 hours of a lawful order, and will preserve removed material and associated records for 180 days for investigation, or longer if required. What we furnish is limited to what we hold in readable form - account, billing and technical records. Encrypted Records can be preserved and produced only as ciphertext, which we are unable to decrypt.

7. Fees, payment and taxes

8. Data protection and processing terms

This Section is the contract required by Section 8(2) of the Digital Personal Data Protection Act, 2023, and applies whenever Client Data contains personal data.

8.1 Roles. For your own account and billing details - your name, email address, subscription and payment records - Zealvert is the Data Fiduciary.

For personal data of other people that you choose to record inside send2ca - for example the name or GSTIN of a customer or a supplier - you are the Data Fiduciary and Zealvert is the Data Processor. Because that data is encrypted before it reaches us, we hold it only as ciphertext, and our processing of it is confined to storing and returning it. Our Privacy Policy explains both roles.

8.2 Our obligations as Data Processor. We will:

8.3 Your obligations as Data Fiduciary. You will:

8.4 What is not encrypted. We would rather state this precisely than let you assume everything is hidden. The following are held in readable form, because the service cannot function otherwise:

8.5 Where the data is held. send2ca runs on Cloudflare, and its database is located in Cloudflare's Asia-Pacific region. Full detail is in Section 5 of our Privacy Policy.

That transfer is made under Rule 7 of the SPDI Rules, 2011, which is the provision in force today: it is necessary for the performance of our contract with you, and is made under a written agreement requiring Cloudflare to maintain a level of data protection at least equivalent to those Rules. From 13 May 2027, when Section 16 of the DPDP Act and Rule 15 of the DPDP Rules take effect, it will additionally be subject to any requirement the Central Government specifies about making personal data available to a foreign State or its agencies, and to any notification restricting transfer to a particular country. No such notification has been issued as at the date of these Terms. If one is issued affecting the region we use, we will relocate the data and tell you before we do.

8.6 Liability. Each party remains responsible for its own obligations under the DPDP Act. Nothing in these Terms transfers your responsibility as Data Fiduciary to us, or ours as Processor to you.

9. Termination, data retrieval and erasure

9.1 Termination. Either party may terminate an engagement or Subscription by written notice; you may also cancel a Subscription from within the application, which has the same effect. We will terminate only for reasonable cause - non-payment, breach of these Terms, or a legal requirement - and will give notice and, where the breach can be fixed, a reasonable opportunity to fix it.

Upon termination, fees for work completed remain payable. Where you terminate for convenience, fees for the current Subscription term also remain payable, subject to the 7-day refund window in our Cancellation and Refund Policy. Where we terminate for any reason other than your breach, non-payment or a legal requirement, we refund the unused portion of your paid Subscription term pro-rata.

9.2 Retrieving your data - you must do this yourself. Client Data is kept for 30 days after termination, and you may sign in and export it during that window from the Export screen, in PDF, CSV or JSON.

We cannot export your records for you. Unlike our other services, there is no arrangement under which you write to us and we send you a copy of your data - because your data is encrypted with a key we do not have. Exporting is something only you can do, from inside the application, while you still hold your passphrase or recovery key. Please do not rely on us as a fallback, because we cannot be one.

9.3 Erasure. You may permanently delete your account and everything in it at any time, yourself, from the Danger Zone screen; that deletion is immediate and irreversible. Otherwise, after the 30-day window we erase your account rows from every database table that carries your identifier, together with your encrypted records and encryption metadata. Trial accounts are erased automatically as described in Section 4.1. We confirm erasure in writing on request.

9.4 Force majeure. Neither party is liable for failures to perform due to circumstances beyond reasonable control - natural disasters, pandemics, failures of a third-party hosting or telecommunications provider, or government acts.

10. Limitation of liability

To the maximum extent permitted by Indian law, our total liability shall not exceed the fees paid by you in the three (3) months preceding a claim.

We are not liable for indirect, incidental or consequential damages, or for loss of profit, revenue, goodwill or anticipated savings, and we do not guarantee specific outcomes or results from our advisory, educational or software services.

We are not liable for records that become unreadable because you lost your passphrase and your recovery key, nor for records lost because a trial account was erased at the end of its trial after the warnings described in Section 4.1. Section 5.5 explains what you should do to protect yourself.

Nothing in these Terms limits or excludes our liability for: fraud or fraudulent misrepresentation; wilful misconduct or gross negligence; death or personal injury caused by our negligence; breach of our confidentiality obligations; infringement of a third party's intellectual property by material we supply; any regulatory penalty, compensation order or Data Protection Board direction you incur as a direct result of our failure to implement the security safeguards required by Rule 6 of the DPDP Rules, 2025, or our breach of Section 8 of these Terms; or any liability that cannot lawfully be limited or excluded, including under the Consumer Protection Act, 2019.

For claims falling within the data-protection limb above, our aggregate liability shall not exceed the greater of (a) the fees you paid in the twelve (12) months preceding the claim, or (b) ₹50,000 (fifty thousand rupees). For all other claims the three-month cap applies.

You remain responsible for keeping your own independent records of any data you consider business-critical.

11. Indemnity

You will indemnify us against claims arising from Client Data that breaches Section 6, from your failure to establish the lawful basis required for personal data of another person that you record in send2ca, and from use of the service in breach of these Terms. We will indemnify you against a claim that the service itself infringes a third party's intellectual property rights in India.

Neither indemnity applies where the claim arises from the other party's own breach. Your indemnity is subject to the same financial cap that applies to our liability under Section 10, and does not apply where you are a consumer within the meaning of Section 2(7) of the Consumer Protection Act, 2019.

12. Grievance Officer and Nodal Person

Grievance Officer
Name: Nasir Islam
Designation: Founder & Head - Grievance Officer
Email: consult@zealvert.com
Phone: +91 6393680341
Address: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India

Nodal Person of Contact (required by Rule 4(1)(b), Consumer Protection (E-Commerce) Rules, 2020 - a separate role from the Grievance Officer, responsible for compliance and for liaison with law enforcement agencies)
Name: Nasir Islam | Designation: Founder & Head - Nodal Person of Contact | Resident in India at: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Email: consult@zealvert.com | Phone: +91 6393680341

What we commit to. We will:

We show you these Terms, our Privacy Policy, and your right to have an account terminated for non-compliance, inside the application at least once every year, which is what Rule 3(1)(f) of the IT (Intermediary Guidelines) Rules, 2021 requires, and whenever these Terms change materially.

13. Governing law and dispute resolution

These Terms are governed by the laws of India. We will first try to settle any dispute by talking it through in good faith.

If a dispute is unresolved after 30 days, disputes between Zealvert and a business Client shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996 before a sole arbitrator, with the seat of arbitration at Lucknow, India, and the courts at Lucknow shall have exclusive jurisdiction over such disputes.

This paragraph does not apply where you are a consumer within the meaning of Section 2(7) of the Consumer Protection Act, 2019. If you are a consumer, arbitration applies only if you choose it after a dispute has arisen, and you keep your full statutory right to file before the District, State or National Commission having jurisdiction where you ordinarily reside or personally work for gain. Nothing in these Terms confines you to the courts or Commissions at Lucknow. Nothing here removes your right to complain to the Data Protection Board of India under the DPDP Act, 2023.

14. Amendments

We may modify these Terms. Where a change materially affects your rights or our obligations, we will give you at least 30 days' notice before it takes effect. If you do not accept the change you may terminate before it takes effect and receive a pro-rata refund of any unused paid Subscription term.

Changes do not apply retrospectively to a Subscription term you have already paid for. Non-material changes - corrections, clarifications and updates to contact details - take effect on publication.

Updated Terms are published on this page with a revised effective date.

15. General

If any provision of these Terms is held unenforceable, the rest continue in force. A failure to enforce a right is not a waiver of it. You may not assign these Terms without our written consent; we may assign them to a successor of our business, on notice.

Legal and contact details

(Displayed as required by Rule 4(2), Consumer Protection (E-Commerce) Rules, 2020)

Legal name: Zealvert Consulting
Constitution and registration number: Sole proprietorship (proprietor: Nasir Islam), MSME/Udyam registered and GST-registered in India, UDYAM-UP-50-0094047
GSTIN: 09AATPI1884P2ZO
Principal geographic address of headquarters: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Branch addresses: We operate from the above address only and have no branches.
Websites: https://zealvert.com | https://zealvert.com/send2ca
Customer care - email: consult@zealvert.com | phone: +91 6393680341 | fax: not applicable