Effective Date: 22 May 2026
Last Updated: 22 May 2026
These Terms and Conditions (“Terms”) form a legally binding electronic contract between you (“you”, “your”, or “User”) and Niyama Digital Healthcare Limited (“Niyama”, “we”, “our”, or “us”), the company that owns and operates the mobile application Krama (“Krama”, “App”, or “Service”).
Krama is a digital self-care and well-being application (“the Platform”) owned and operated by Niyama Health Technologies Private Limited (“Niyama,” “we,” “us,” or “our”). The Platform delivers structured, self-guided mental wellness content through AI-generated avatar-led sessions and a Large Language Model (LLM)-based conversational interface, incorporating evidence-based frameworks including Acceptance and Commitment Therapy (ACT), Cognitive Behavioural Therapy (CBT), Dialectical Behaviour Therapy (DBT), and Interpersonal Therapy (IPT).
All AI-generated content and conversational interactions on the Platform are governed by clinical safety guardrails designed to ensure responses remain within the boundaries of psychoeducation and structured self-care. These guardrails are not a substitute for clinical judgment.
Krama is a self-help tool. It is not a medical device, a licensed mental health treatment, or a crisis intervention service. Use of the Platform does not constitute or replace a therapeutic relationship, clinical diagnosis, psychiatric evaluation, or professional mental health treatment of any kind.
Krama is NOT a substitute for professional medical advice, diagnosis, treatment, psychotherapy, or emergency services.
If you are experiencing a medical or mental health emergency, please dial 112 (Emergency Response Support System) or contact a recognised mental health helpline immediately.
By downloading, installing, accessing, registering on, or using Krama in any manner, you confirm that you have read, understood, and unconditionally agreed to be bound by these Terms, our Privacy Policy, and any other policies referenced herein. If you do not agree, please do not access or use Krama.
These Terms are an electronic record under the Information Technology Act, 2000 (“IT Act”) and the rules made thereunder, and are generated by a computer system. They do not require any physical or digital signature.
2.1 These Terms govern your access to and use of Krama. By creating an account, ticking an acceptance box, clicking “I Agree”, “Continue”, or any similar button, or by using the Service in any other manner, you signify your acceptance of these Terms and your intention to be legally bound by them.
2.2 If you are accepting these Terms on behalf of an organisation or another individual, you represent and warrant that you have the authority to bind such entity or individual to these Terms.
2.3 These Terms must be read together with our Privacy Policy, available at https://krama.care/privacy-policy/, and any other policies, notices, or guidelines that we may publish from time to time on the App or our website (collectively, “Additional Terms”). The Additional Terms are incorporated by reference into these Terms.
In these Terms, unless the context requires otherwise:
4.1 To use Krama, you must:
4.2 By using Krama, you represent and warrant that you meet all the eligibility requirements set out above. We reserve the right to refuse access to any individual who does not meet these requirements or who has been suspended or terminated from the Service.
4.3 Krama is currently offered for use by individuals located in India. If you access Krama from outside India, you do so at your own risk and you are responsible for compliance with the laws of your jurisdiction.
5.1 What Krama Is
Krama is a self-help digital well-being application designed to support psychological flexibility and everyday emotional well-being. Through Krama, you may, among other things:
5.2 What Krama Is Not
Krama is expressly NOT:
Krama does not establish a doctor-patient or therapist-client relationship between you and or any of Niyama’s personnel.
5.3 No Medical Advice
Information, content, and conversational responses provided through Krama are general well-being information and are not medical advice. You must not rely on Krama as a substitute for the advice of a qualified medical practitioner, registered psychologist, psychiatrist, counsellor, or other licensed health professional. Always consult a qualified professional regarding any health condition or concern.
6.1 KRAMA IS NOT DESIGNED OR INTENDED FOR USE IN ANY MEDICAL OR MENTAL HEALTH EMERGENCY, INCLUDING SITUATIONS INVOLVING SUICIDAL IDEATION, SELF-HARM, HARM TO OTHERS, ABUSE, OR ANY OTHER CRISIS.
6.2 If you, or anyone you know, may be in immediate danger, please:
6.3 You acknowledge that Krama may detect language suggesting risk and respond with safety messaging and helpline information; however, this is informational only and does not amount to clinical care or emergency response.
7.1 To access certain features of Krama, you may be required to create an Account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date.
7.2 You are solely responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You must notify us immediately at support@krama.care of any unauthorised use of your Account or any other breach of security.
7.3 We reserve the right to refuse, suspend, or terminate any Account at our sole discretion if we believe these Terms have been violated or if such action is required by Applicable Law.
7.4 You must not (a) share your Account with any other person; (b) impersonate any other person; (c) create an Account using false information; or (d) use another person’s Account without authorisation.
8.1 Subject to your continued compliance with these Terms, Niyama grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use Krama on a compatible mobile device for your personal, non-commercial use.
8.2 This license does not include any right to (a) sell, rent, lease, or sublicense Krama; (b) use Krama for any commercial purpose; (c) modify, reverse engineer, decompile, or disassemble any part of Krama, except to the extent permitted by Applicable Law; (d) remove or alter any proprietary notices; or (e) use any automated means (such as bots, scrapers, or crawlers) to access Krama.
9.1 You agree to use Krama only for lawful purposes and in accordance with these Terms. In particular, you must not host, display, upload, modify, publish, transmit, store, update, or share any information that:
9.2 The above categories are aligned with Rule 3(1)(b) of the Intermediary Rules and you acknowledge that Niyama, as an intermediary, is required to inform users of these prohibitions.
9.3 You further agree not to:
10.1 You retain ownership of all User Content that you submit to Krama. By submitting User Content, you grant Niyama a worldwide, royalty-free, non-exclusive, sublicensable licence to use, store, reproduce, modify, adapt, translate, and process such User Content solely for the purposes of (a) providing and operating the Service; (b) improving the Service, including training, tuning, validating, and evaluating our AI models, using only aggregated, de-identified, pseudonymised, or synthetic data; (c) enforcing these Terms; and (d) complying with Applicable Law.
10.2 We will not use identifiable User Content to train our AI models or any third-party AI or Large Language Model. Where User Content is processed for AI improvement, it will first be de-identified or pseudonymised in accordance with our Privacy Policy, and the de-identification process is irreversible.
10.3 You represent and warrant that you have all necessary rights to the User Content you submit, and that such User Content does not violate any Applicable Law or any third-party rights.
10.4 We do not actively monitor User Content but may review it to enforce these Terms or comply with legal obligations. We reserve the right (but are under no obligation) to remove or disable access to any User Content that we believe, in our sole discretion, violates these Terms or Applicable Law.
11.1 You acknowledge and agree that:
11.2 You are responsible for evaluating any AI generated output before acting on it. Niyama is not liable for any loss, harm, or damage arising from your reliance on AI generated output.
12.1 Krama may be offered on a free, freemium, or paid subscription basis. Specific subscription plans, features, and pricing will be displayed within the App or on our website at the time of purchase.
12.2 All fees are in Indian Rupees (INR), unless stated otherwise, and are inclusive or exclusive of applicable taxes (including Goods and Services Tax) as indicated at the time of purchase.
12.3 Payments are processed through third-party payment gateways, and are subject to such payment gateway’s terms and conditions. We do not store your full payment card details.
12.4 Subscriptions may auto-renew unless you cancel before the end of the current billing period. You may cancel auto-renewal through the App settings or through the relevant app store (Google Play or Apple App Store).
12.5 Refunds, where applicable, will be governed by our Refund Policy available at https://krama.care/refunds and the policies of the app store through which you made the purchase. Subscription fees are otherwise non-refundable, except where required under the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, or other Applicable Law.
12.6 We reserve the right to revise our fees at any time, with prior notice for active subscribers.
13.1 Krama, including its name, logo, design, source code, content, avatars, exercises, conversational scripts, ACT modules, and all related intellectual property rights, is owned by Niyama Digital Healthcare Limited and/or its licensors, and is protected under the Copyright Act, 1957, the Trade Marks Act, 1999, the Designs Act, 2000, the Patents Act, 1970, and other Applicable Law.
13.2 Nothing in these Terms grants you any right, title, or interest in or to Krama, except for the limited license set out in Section 7.
13.3 You must not use any of our trademarks, service marks, trade names, or logos without our prior written consent.
13.4 If you believe that any content on Krama infringes your copyright, please send a written notice to our Grievance Officer (see Section 19), in compliance with Section 79 of the IT Act and the Intermediary Rules.
14.1 Our collection, use, storage, sharing, and processing of your personal data are governed by our Privacy Policy, available at https://krama.care/privacy-policy/, which forms an integral part of these Terms.
14.2 By using Krama, you provide your free, specific, informed, unconditional, and unambiguous consent, given by way of clear affirmative action, to the processing of your personal data in accordance with our Privacy Policy and the DPDP Act.
14.3 You may exercise your rights as a Data Principal (including the rights to access, correction, erasure, and grievance redressal, the right to nominate, and the right to withdraw consent) as described in our Privacy Policy.
15.1 Krama may use or interact with third-party services, including cloud hosting providers, analytics providers, payment gateways, and LLM providers. Use of such third-party services may be subject to those providers’ own terms and policies.
15.2 Krama may contain links or references to third-party websites, helplines, or resources. We provide these links for convenience only and do not endorse or assume responsibility for the content, privacy practices, or operations of any third party.
16.1 KRAMA AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NIYAMA DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
16.2 Without limiting the generality of the foregoing, Niyama does not warrant that:
15.3 You assume all risks associated with your use of Krama. Your use of Krama is at your sole discretion and risk.
17.1 To the maximum extent permitted by Applicable Law, Niyama, its directors, officers, employees, affiliates, agents, contractors, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, data, goodwill, opportunity, or any other intangible loss, arising out of or in connection with your access to or use of Krama (or inability to access or use Krama), whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if Niyama has been advised of the possibility of such damages.
17.2 Without prejudice to Section 16.1, Niyama’s total aggregate liability arising out of or relating to these Terms or your use of Krama shall not exceed the higher of (a) the amount paid by you to Niyama for the use of Krama in the 12 (twelve) months immediately preceding the event giving rise to the claim; or (b) INR 1,000 (Indian Rupees One Thousand only).
17.3 Nothing in these Terms shall exclude or limit any liability that cannot be lawfully excluded or limited under Applicable Law, including liability arising out of fraud, gross negligence, or wilful misconduct.
18.1 You agree to indemnify, defend, and hold harmless Niyama, its directors, officers, employees, affiliates, agents, contractors, and licensors from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
19.1 We may suspend or terminate your access to Krama, with or without notice, if we believe (a) you have violated these Terms or Applicable Law; (b) such action is necessary to protect Niyama, other users, or third parties; or (c) such action is required by Applicable Law or order of a competent authority.
19.2 You may discontinue use of Krama at any time by deleting your Account through the App settings.
19.3 Upon termination of your Account, your license to use Krama shall immediately cease. Sections of these Terms that by their nature should survive termination (including Sections on Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law) shall survive.
19.4 We may discontinue Krama, or any feature thereof, at any time, with reasonable prior notice where feasible.
20.1 In compliance with the Information Technology Act, 2000, the Intermediary Rules, the Consumer Protection Act, 2019, and the DPDP Act, we have appointed a Grievance Officer to address your concerns relating to the Service, content, data protection, and User Content.
20.2 The Grievance Officer shall acknowledge your complaint within 24 (twenty-four) hours of receipt and shall endeavour to resolve it within 15 (fifteen) days of receipt, in compliance with the Intermediary Rules and any other Applicable Law. For grievances relating to personal data protection, we will respond within the timelines prescribed under the DPDP Act and the rules made thereunder.
20.3 If you are not satisfied with the response of the Grievance Officer, you may escalate your complaint to the Grievance Appellate Committee constituted under the Intermediary Rules, the Data Protection Board of India under the DPDP Act, or any other competent authority, as applicable.
21.1 These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of laws principles.
21.2 Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be first attempted to be resolved amicably between the parties through good-faith negotiations.
21.3 If the dispute cannot be resolved through negotiation within 30 (thirty) days, it shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitration shall be conducted as follows:
21.4 Subject to Section 20.3, the courts at Chennai, India shall have exclusive jurisdiction over all matters arising out of or relating to these Terms, including any application for interim relief.
21.5 Nothing in this Section 20 shall prevent you from approaching the appropriate consumer forum under the Consumer Protection Act, 2019, or any other authority constituted under Applicable Law.
Niyama shall not be liable for any failure or delay in performance of its obligations under these Terms to the extent such failure or delay is caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, epidemics, war, terrorism, civil unrest, government action, strikes, failure of internet or telecommunications networks, cyberattacks, or any other event of force majeure.
23.1 We reserve the right to modify these Terms at any time. Material changes will be notified to you through the App, by email, or by other reasonable means at least 7 (seven) days prior to the effective date, where feasible.
23.2 Your continued use of Krama after the effective date of any modification shall constitute your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using Krama and delete your Account.
23.3 We reserve the right to modify, suspend, or discontinue Krama, or any feature or content thereof, at any time, with or without notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.
24.1 Entire Agreement
These Terms, together with the Privacy Policy and any Additional Terms, constitute the entire agreement between you and Niyama regarding your use of Krama, and supersede all prior agreements and understandings, whether written or oral.
24.2 Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, or, if not capable of such modification, deemed severed. The remaining provisions of these Terms shall continue in full force and effect.
24.3 Waiver
No failure or delay by Niyama in exercising any right under these Terms shall operate as a waiver of that right. No waiver shall be effective unless made in writing.
24.4 Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, restructuring, or sale of assets.
24.5 Notices
Notices to you may be given through the App, by email to the address associated with your Account, or by posting on our website. Notices to Niyama must be sent to legal@krama.care with a copy to our registered office address.
24.6 Relationship
Nothing in these Terms shall be construed to create any partnership, joint venture, agency, employment, or fiduciary relationship between you and Niyama.
24.7 Headings
Section headings in these Terms are for reference only and do not affect the interpretation of the Terms.
24.8 Language
These Terms are made available in English and may be translated into other languages listed in the Eighth Schedule to the Constitution of India for your convenience. In the event of any conflict between the English version and any translation, the English version shall prevail.
For any questions, comments, or concerns regarding these Terms, please contact:
Niyama Digital Healthcare Limited
29/11, Jayakrishna Apts, Yogambal Street, Bazullah Road Corner, Thyagarayanagar H.O. Chennai 600 017
CIN: U85300TN2022PTC15389
Email (General): support@krama.care
Email (Legal): Legal@krama.care
Email (Grievance Officer): grievance@krama.care
Phone: +91 83003 83004
Website:www.krama.care