Terms of Service

Last updated: August 26, 2026 Effective date: August 26, 2026

These Terms of Service (“Terms”) govern your access to and use of Duiqo, including the website located at https://duiqo.com, any web-based interfaces, mobile applications, bots, messaging integrations, email services, capture tools, and any related software, features, functionality, and services that we operate or make available from time to time (collectively, the “Service”).

Please read these Terms carefully.

1. Who We Are

Duiqo is operated by TFORA TECHNOLOGIES LLP, a Limited Liability Partnership incorporated under the laws of India, with its registered office at: Building No./Flat No.: 10/440
Name Of Premises/Building: QATAR TOWER NIRANNAPARAMB
Road/Street: THRIKKALANGODE
Locality/Sub Locality: ELANKUR
City/Town/Village: Manjeri
District: Malappuram
State: Kerala
PIN Code: 676122
(“Tfora”, “Duiqo”, “we”, “us”, or “our”).

• Registration number: AAY-0504
• Support email: hello@duiqo.com
• Privacy contact: legal@duiqo.com
• Grievance Officer: Ayhab Kv (legal@duiqo.com)

2. Acceptance of These Terms

By creating an account, communicating with Duiqo, clicking to accept these Terms, or otherwise accessing or using the Service, you agree to these Terms and our Privacy Policy.

If you do not agree, you must not use the Service.

If you use the Service on behalf of a company, organisation, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms. In that case, “you” and “your” refer to that entity.

3. Eligibility

You must be at least 18 years old to use the Service.

By using the Service, you represent and warrant that:

• You are at least 18 years old;
• You have legal capacity to enter into these Terms;
• Your use of the Service complies with applicable law; and
• You are not prohibited from using the Service under applicable law.

Do not use the Service if you are under 18 years old. We do not knowingly provide the Service to children.

4. The Service

Duiqo is an AI-assisted personal life-admin layer designed to help users capture, preserve context around, organise, retrieve, and act on everyday information.

The Service may allow you to submit and interact with tasks, reminders, expenses, purchases, messages, ideas, notes, voice notes, images, documents, obligations, and other personal information (“Life Admin Information”).

Duiqo may use automated technologies to help organise Life Admin Information, identify possible follow-up actions, generate reminders or summaries, surface relevant information, and make information easier to retrieve.

The Service is intended to reduce the friction of managing daily life information. It is not a replacement for your own judgement, recordkeeping, calendar, banking, accounting, healthcare, legal, financial, emergency, or professional systems.

Features may be provided through third-party messaging platforms, including WhatsApp and Telegram, and may change over time.

The Service is currently offered as an MVP, beta, or evolving service. Features may be experimental, may not operate as intended, and may be changed, suspended, or removed as permitted by these Terms.

5. AI Features and Important Disclaimers

Duiqo uses artificial intelligence technologies, including large language models and automated systems, to assist with the capture, organisation, retrieval, summarisation, classification, and surfacing of Life Admin Information.

The Service may suggest potential tasks, reminders, categories, priorities, expenses, follow-up actions, or other information. These suggestions are generated automatically and may be inaccurate, incomplete, outdated, misleading, duplicated, incorrectly categorised, or unsuitable for your circumstances.

You are solely responsible for reviewing and verifying all outputs, reminders, suggested actions, deadlines, financial information, and other information provided by the Service before relying on, sharing, acting on, or using them.

Duiqo does not guarantee that it will capture every item, preserve every detail of context, identify every action required, send every reminder, prevent missed deadlines, accurately classify information, or ensure that any task, payment, obligation, appointment, or other action is completed.

Underlying third-party AI providers may apply automated safety, security, and content filters. These filters may block, refuse to process, delay, restrict, or flag certain prompts, User Content, or outputs, including where the content is legitimate or the filter is triggered in error. To the maximum extent permitted by applicable law, Tfora is not liable for service interruptions, processing restrictions, or output failures resulting from such third-party filtering or moderation systems.

Duiqo does not provide legal, medical, mental-health, financial, tax, investment, insurance, employment, emergency, safety, or other professional advice. Do not use the Service as a substitute for professional advice or as the sole basis for a decision that could affect health, safety, legal rights, finances, employment, education, housing, credit, insurance, or another material interest.

You must not use the Service in any safety-critical context or to make automated or solely AI-based decisions about another person that produce legal or similarly significant effects.

6. Accounts and Account Security

You may need an account with a supported third-party platform, such as WhatsApp or Telegram, to use certain features.

You are responsible for:

• Providing accurate and current information;
• Maintaining the security of your account and devices;
• Protecting account credentials and verification codes;
• All activity occurring through your account; and
• Promptly notifying us at hello@duiqo.com if you suspect unauthorised access.

We may refuse account creation, reclaim usernames or identifiers, or suspend access where reasonably necessary to protect users, the Service, or third parties.

7. Your Content

“User Content” means tasks, reminders, expenses, purchase information, messages, ideas, notes, voice notes, images, documents, metadata, prompts, and other information that you submit, transmit, upload, or otherwise make available through the Service. User Content includes Life Admin Information.

Your ownership

As between you and Tfora, you retain any ownership rights you have in your User Content.

Permission to operate the Service

You grant Tfora a worldwide, non-exclusive, royalty-free, transferable solely to our service providers, and limited licence to host, store, reproduce, format, convert, transcribe, index, create embeddings from, analyse, process, transmit, display to you, back up, and otherwise use User Content only as reasonably necessary to:

• Provide, maintain, secure, support, and improve the Service for you;
• Generate requested outputs and enable search, organisation, and retrieval;
• Detect, prevent, investigate, or address fraud, security incidents, abuse, or technical issues;
• Comply with applicable law, lawful governmental requests, or legal obligations; and
• Enforce these Terms.

This licence ends when your User Content is deleted from active systems, except to the extent retention is required by law, needed for a legal claim, or remains in secure backups for the limited period described in our Privacy Policy.

Your responsibility for User Content

You represent and warrant that:

• You own or have all rights, permissions, and lawful bases necessary to submit
• User Content and grant the licence above;
• Your User Content does not violate law, confidentiality obligations, privacy
• rights, intellectual-property rights, or other rights of another person;
• You have obtained all required notices and consents before submitting another
• person's voice, image, personal data, confidential information, or other
• information; and
• Your User Content does not include material you are prohibited from providing
• under applicable law. You should not submit highly sensitive information unless you understand and accept the processing described in our Privacy Policy and have assessed whether the Service is appropriate for that information.

8. No Training on Your User Content

We do not use your User Content or personal data to train Duiqo’s general-purpose or underlying AI models.

We may process User Content using carefully selected third-party service providers solely to provide the Service, as described in our Privacy Policy. Our Privacy Policy explains the categories of providers, purposes of processing, retention, and your choices.

We may use aggregated and de-identified service-usage information to understand, secure, maintain, and improve the Service, provided that such information does not identify you or disclose your User Content.

9. Acceptable Use

You must not, and must not help or enable anyone else to:

• Use the Service unlawfully or in violation of these Terms;
• Upload, store, generate, distribute, solicit, facilitate, or promote illegal
• content, including child sexual abuse material, exploitation material, terrorism-
• related content, or material that unlawfully incites violence;
• Infringe intellectual-property, privacy, publicity, confidentiality, or other
• legal rights;
• Submit another person's personal data, private communications, voice recordings,
• images, or confidential information without the necessary rights, notices, and
• consents;
• Engage in fraud, impersonation, deception, phishing, spam, social engineering,
• harassment, stalking, threats, or unlawful discrimination;
• Create, distribute, or assist with malware, ransomware, spyware, credential
• theft, unauthorised access, or other harmful code or conduct;
• Interfere with, disrupt, overload, probe, scan, or test the vulnerability of the
• Service or bypass security measures, access controls, rate limits, or technical
• restrictions;
• Scrape, crawl, harvest, extract, or use automated means to access the Service
• except where we expressly permit it in writing;
• Reverse engineer, decompile, disassemble, copy, modify, lease, sell, sublicense,
• or create derivative works from the Service except to the extent such restriction
• is prohibited by applicable law;
• Use the Service to develop, train, benchmark, or improve a competing product or
• service without our written permission;
• Attempt to obtain system prompts, model weights, source code, confidential
• service information, or another user’s content or account information without
• authorisation;
• Use the Service to make decisions about another individual that have legal or
• similarly significant effects without meaningful human review and all required
• legal safeguards; or
• Use the Service in a manner that may harm Duiqo, Tfora, users, third parties,
• or the integrity of the Service.

10. Enforcement and Reporting

We may investigate suspected violations of these Terms. Where reasonably necessary, we may remove or restrict access to User Content, suspend or terminate accounts, preserve relevant information, report suspected unlawful activity, and cooperate with law-enforcement authorities or other lawful requests. We may take these actions with or without prior notice where we reasonably consider that notice would be impracticable, unlawful, unsafe, or likely to compromise an investigation or the Service.

To report unlawful, infringing, or abusive content or conduct, contact legal@duiqo.com with sufficient detail for us to assess the report.

11. Third-Party Platforms and Services

The Service may depend on or integrate with third-party platforms and providers, including messaging platforms, cloud providers, AI service providers, payment processors, analytics providers, and other service providers.

Your use of WhatsApp, Telegram, and other third-party services is subject to their own terms, policies, and privacy practices. You must maintain any required third- party accounts in good standing.

Where we use a third-party messaging platform to send you business-initiated messages, we will obtain any consent or opt-in required by applicable law and the relevant platform’s policies before sending those messages. You may opt out of non-essential messages by following the opt-out instructions we provide or by contacting us at hello@duiqo.com.

Tfora is not responsible for third-party services, including their availability, security, content, practices, modifications, suspensions, outages, or data handling. Meta, WhatsApp, and Telegram are not parties to these Terms and do not sponsor, endorse, or control Duiqo.

12. Duiqo Intellectual Property

The Service, including its software, design, interface, branding, logos, documentation, workflows, databases, and non-user content, is owned by or licensed to Tfora and is protected by applicable intellectual-property laws.

Subject to your compliance with these Terms, Tfora grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for its intended purpose.

Except for this limited licence, no rights are granted to you.

13. Feedback

If you provide suggestions, ideas, comments, or feedback about the Service (“Feedback”), you grant us a worldwide, perpetual, irrevocable, royalty-free right to use, reproduce, modify, distribute, and otherwise exploit that Feedback without restriction or compensation, provided we do not identify you as its source without your consent.

14. Privacy, Retention, Export, and Deletion

Our Privacy Policy forms part of these Terms and explains how we collect, use, store, share, retain, and protect personal data and Life Admin Information.

You may request deletion of your account and User Content by emailing hello@duiqo.com from the email address associated with your account. We may request information reasonably necessary to verify your identity and protect your account before processing a deletion request.

Following a verified deletion request, we will delete or anonymise your User Content and personal data from our active systems within 30 days, subject to the exceptions described below.

Residual copies of deleted data may remain in secure backup systems for up to 90 days after deletion from active systems, after which they will be overwritten or deleted in accordance with our backup-retention processes. Backup copies will not be restored for ordinary operational use after an account-deletion request, except where reasonably necessary for security, disaster recovery, or legal compliance.

We may retain limited information for longer where retention is required or permitted by applicable law, a court order, a lawful government request, security or fraud prevention, the establishment, exercise, or defence of legal claims, dispute resolution, or another lawful purpose.

The Service does not currently provide a full export function. You are responsible for retaining independent copies of information that is important to you.

You are responsible for keeping your own copies of important information. Do not rely on Duiqo as your sole archive, backup service, recordkeeping system, calendar, or system for tracking time-sensitive obligations, deadlines, payments, appointments, or commitments.

15. Availability and Changes

We aim to provide a reliable Service, but we do not guarantee that the Service will always be available, uninterrupted, secure, error-free, timely, or compatible with every device or third-party platform.

We do not guarantee that messages, voice notes, images, documents, reminders, suggested actions, notifications, classifications, searches, or other Life Admin Information will be captured, processed, stored, retrieved, displayed, or delivered without delay, error, omission, duplication, or loss.

You remain responsible for independently tracking and completing important actions, including payments, deadlines, appointments, renewals, legal obligations, health- related matters, and other time-sensitive commitments.

We may modify, suspend, discontinue, or restrict all or part of the Service at any time. Where a change materially and adversely affects a paid subscription, we will provide notice where reasonably practicable and as required by applicable law.

We are not responsible for loss arising from outages, errors, third-party platform changes, internet failures, messaging-delivery failures, maintenance, security incidents, or events beyond our reasonable control.

16. Fees and Payments

The Service is currently offered without charge unless we clearly state otherwise. We may introduce paid plans, subscription fees, usage limits, or other charges in the future. We will present the applicable price, billing frequency, taxes, renewal terms, cancellation process, refund terms, and other material payment conditions before charging you.

If you buy a paid plan, you authorise us and our payment processor to charge your selected payment method for the amounts and intervals disclosed at purchase. Unless stated otherwise at purchase, paid fees are non-refundable to the maximum extent permitted by law.

We may change fees for future billing periods by giving advance notice as required by applicable law. You may cancel before a changed price takes effect.

17. Suspension and Termination

You may stop using the Service at any time and may request account deletion under Section 14.

We may suspend or terminate your access immediately if we reasonably believe that you have violated these Terms, created risk or legal exposure for us or others, used the Service fraudulently or unlawfully, or if we are required to do so by law. Upon termination, your right to use the Service ends immediately. Sections that by their nature should survive termination will survive, including sections relating to intellectual property, disclaimers, liability, indemnity, disputes, and accrued payment obligations.

18. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TFORA DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE,
INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, AND ERROR-FREE OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT USER CONTENT WILL NOT BE LOST, ALTERED, CORRUPTED, ACCESSED WITHOUT AUTHORISATION, OR AVAILABLE AT ALL TIMES. Nothing in these Terms limits any warranty, right, or remedy that cannot lawfully be excluded or limited.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TFORA AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, USE, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF TFORA AND ITS AFFILIATES ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS
WILL NOT EXCEED THE GREATER OF:

• THE AMOUNTS YOU PAID TO TFORA FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE
• EVENT GIVING RISE TO THE CLAIM; OR
• INR 1,000. THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OF ACTION AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED, INCLUDING LIABILITY FOR FRAUD OR FRAUDULENT MISREPRESENTATION WHERE APPLICABLE.

20. Indemnity

To the maximum extent permitted by applicable law, you will indemnify and hold harmless Tfora and its affiliates, directors, officers, employees, agents, licensors, and service providers from claims, liabilities, damages, losses, and reasonable expenses, including legal fees, arising out of or relating to:

• Your User Content;
• Your breach of these Terms;
• Your violation of applicable law; or
• Your infringement or violation of another person's rights. This section does not require you to indemnify Tfora for Tfora’s own unlawful conduct, gross negligence, or wilful misconduct where such limitation is not permitted by law.

21. Changes to These Terms

We may change these Terms from time to time. For material changes, we will provide notice through the Service, by email, through a supported messaging channel, or by another reasonable method before the revised Terms take effect, unless a shorter period is necessary for legal, security, or operational reasons. The revised Terms will state their “Last updated” date. Your continued use of the Service after the effective date means you accept the revised Terms. If you do not agree, you must stop using the Service and may request account deletion.

22. Governing Law and Disputes

Before commencing formal legal proceedings, you agree to contact us at legal@duiqo.com and provide a written description of the dispute. We will attempt in good faith to resolve the dispute within 30 days after receiving your notice.

These Terms are governed by the laws of India, without regard to conflict-of-law principles.

Subject to any non-waivable rights or remedies available to you under applicable law, the courts of Malappuram, Kerala, India will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.

Nothing in these Terms limits rights or remedies that you may have under applicable consumer-protection, data-protection, or other laws that cannot lawfully be excluded or limited.

23. General Terms

These Terms, together with the Privacy Policy and any paid-plan terms presented at purchase, form the entire agreement between you and Tfora regarding the Service. If any provision is held invalid or unenforceable, the remaining provisions will remain in effect.

Our failure to enforce a provision is not a waiver of that provision. You may not assign or transfer these Terms or your rights under them without our written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, sale of assets, or by operation of law.

There is no partnership, joint venture, employment, agency, or fiduciary relationship between you and Tfora created by these Terms.

24. Contact Us

For questions about these Terms or the Service, contact us at: TFORA TECHNOLOGIES LLP
Building No./Flat No.: 10/440
Name Of Premises/Building: QATAR TOWER NIRANNAPARAMB
Road/Street: THRIKKALANGODE
Locality/Sub Locality: ELANKUR
City/Town/Village: Manjeri
District: Malappuram
State: Kerala
PIN Code: 676122
Support: hello@duiqo.com Privacy: legal@duiqo.com Grievance Officer: Ayhab Kv (legal@duiqo.com)