Terms of Service

Last updated: 2 October 2026 · Version 1.0

These terms are the agreement between you and KUBIT SYSTEMS LIMITED for your use of Kundaly: our apps, website and the readings, tools and conversations they provide (together, "Kundaly"). Please read them. They explain what Kundaly is and is not, how payments work, and what each of us is responsible for.

By creating an account, continuing past the sign-in screen, or using Kundaly, you agree to these terms. If you don't agree, please don't use Kundaly. Our Privacy Policy explains how we handle your personal data, and our Refund and Cancellation Policy forms part of these terms. If you use Kundaly for your clients, or offer consultations through it, our Terms for Astrologers and Practitioners also apply.

The short version

• Kundaly is for reflection, self-exploration, cultural interest and entertainment. It is not a science and it does not predict facts.
• It is never medical, psychological, legal or financial advice. Kundaly never predicts the time of anyone's death and never tells you to buy or sell anything.
• You must be 18 or over.
• Payments: our online reseller Paddle.com is the merchant of record for card purchases. You can cancel a subscription at any time, and credits are not money.
• If something goes wrong, we are responsible for the losses the law makes us responsible for, and these terms do not take away any of your rights as a consumer.

1. About us

Kundaly is operated by KUBIT SYSTEMS LIMITED, a private limited company registered in England and Wales under company number 17477285. Our registered office is at 128 City Road, London EC1V 2NX, United Kingdom. You can contact us at [support email]. When we contact you, we will use the phone number or email address linked to your account, or a notice in the app.

2. What Kundaly is — and what it is not

Kundaly calculates astrological charts and related traditional systems (such as Vedic and Western astrology, numerology, palmistry and Vastu) from the details you give it. It then explains them in readings, tools and an AI-written conversation.

• Reflection and entertainment, not fact. Astrology and the other traditions in Kundaly are not sciences. Their methods have not been shown to predict events. Readings, timings, compatibility scores and remedies describe what a tradition says. They are not statements of fact about you or anyone else, and are not predictions you should rely on.
• Not professional advice. Nothing in Kundaly is medical, psychological, legal, financial, investment, tax, career or relationship advice, or a substitute for it. Talk to a qualified professional about decisions in those areas.
• Health. Any wellness, Ayurvedic, gemstone, mantra or other remedy content is traditional lore. It is not a diagnosis or treatment and is not claimed to cure or prevent any illness. Never delay or stop medical care because of anything in Kundaly.
• Longevity. Kundaly never gives a date, an age or a span of time for anyone's death, and longevity is only ever described in general terms.
• Money. Kundaly is not a financial adviser and never recommends buying, selling or holding any asset. Any content about markets or money is general cultural reference only.
• Your decisions are yours. Do not use Kundaly as the only basis for any important decision about your health, relationships, money, career or legal position.
• If you are struggling. If you are in crisis or thinking about harming yourself, please contact your local emergency services straight away (999 or 112 in the UK, 112 in India and the EU), or a helpline such as Samaritans (116 123, UK and Ireland) or Tele-MANAS (14416, India). Kundaly cannot help in an emergency.

3. Who can use Kundaly

You must be at least 18 years old and able to enter into a binding contract. Kundaly is not meant for children. We may close an account we reasonably believe belongs to someone under 18.

4. Your account

• Signing in. You sign in with your phone number and a one-time code. Keep your phone and codes safe. You are responsible for what happens in your account unless it happens because of our failure to keep Kundaly secure. Tell us straight away if you think someone else has access to your account.
• Guest accounts. You can try Kundaly as a guest without a phone number. A guest account lives on the device or browser you used. If you clear its data or lose the device before linking a phone number, you may lose the account and anything in it, including credits or a plan you bought. Link a phone number to keep your account safe.
• Accurate details. Readings depend on the birth details you enter. We are not responsible for readings based on details that are wrong or incomplete.
• Charts for other people. You may create charts for people you know, but only if you have their permission or another good reason to use their details, and you must respect their privacy. Do not upload anyone else's photograph without their consent.

5. Using Kundaly fairly

You agree not to, and not to try to:

• break the law, infringe anyone's rights, or harass, threaten or deceive anyone, including the astrologers who offer consultations through Kundaly;
• use Kundaly, or its readings, to make decisions about another person's employment, housing, credit, insurance, education or immigration, or to discriminate against anyone;
• upload unlawful or harmful material, or another person's personal data or photographs without their consent;
• impersonate anyone, or misrepresent who you are;
• copy, scrape, harvest, reverse-engineer or decompile any part of Kundaly, or use it to build a competing product or to train an AI model;
• access Kundaly through bots, scripts or other automated means, overload or disrupt it, or get around its security, limits, credits or payment;
• sell, rent or share your account, or resell Kundaly or its readings, unless our Terms for Astrologers and Practitioners allow it.

Fair use of unlimited plans. "Unlimited" means unlimited for one person's own, reasonable, personal use. If an account shows signs of automated use, sharing or abuse, we may limit it. We will tell you if we do.

6. AI-written answers

Parts of Kundaly are written by artificial intelligence, using the calculations our software makes from the details you entered. AI can be wrong, incomplete or inconsistent, and the same question can get a different answer. No person reviews each answer before you see it. We apply safeguards. For example, answers never include death timing or buy/sell advice. But please treat every answer with the same care as the rest of Kundaly (section 2). If an answer worries or upsets you, or looks wrong, tell us.

7. Prices, credits and plans

• Prices are shown in the app before you buy. They include any sales tax that applies where you are, unless the app says otherwise. Paddle may show the price in your local currency.
• Credits pay for individual actions. Each action's price in credits is shown before you use it. Credits are not money. They have no cash value, cannot be exchanged for cash or transferred, and are not a wallet, deposit or stored-value product. Purchased credits don't expire while your account and Kundaly remain open. Any free monthly allowance is used first and does not carry over. If a paid action fails, its credits are returned to your account automatically.
• Plans unlock features for a monthly or yearly period. A plan bought through Paddle renews automatically at the end of each period until you cancel. A plan paid for with a one-off rupee payment lasts for the period paid and does not renew.
• Price changes never apply to a period you have already paid for. We will tell you at least 30 days before a new price applies to your subscription, and you can cancel before it does.
• Cancelling and refunds are covered by our Refund and Cancellation Policy, which includes your 14-day right to change your mind where the law gives you one.

8. Who takes your payment

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders paid by card or digital wallet. Paddle provides all customer service inquiries and handles returns. For those orders, Paddle's Buyer Terms also apply. Where you pay in Indian rupees through Razorpay, you buy directly from us, and Razorpay processes the payment for us. We never see or store your full card details.

9. Consultations with astrologers

Where Kundaly offers bookings with astrologers:

• They are independent. Astrologers are independent professionals, not our employees, agents or partners. Your consultation is an agreement between you and the astrologer.
• Our role. We provide the platform and act as the astrologer's agent for collecting your payment. A payment you make through Kundaly counts as payment to the astrologer, and we pass it on to them after our fee.
• What we check. We review every astrologer before listing them, and we require them to follow our professional standards. These include never giving medical, legal or financial advice or death predictions, and never using fear to sell remedies. We do not control or endorse what any astrologer says. Report anything that concerns you, whether an astrologer, a message or a review, and we will look into it. If we remove something you posted or restrict your account, you can ask us to review that decision.
• Bookings. Each booking shows its price and cancellation terms before you pay. If the astrologer cancels or doesn't attend, you get a full refund.
• Reviews must be honest and about your own experience. We remove reviews that are fake, abusive or unlawful.

10. Sharing

If you create a share link for a chart or reading, anyone who has the link can see what it shares until you turn it off. Share only with people you trust.

11. Your content

The details, questions, notes, events and photos you add to Kundaly remain yours. You give us permission to store and use them to run Kundaly for you, to keep it secure, and to improve it, as our Privacy Policy explains. This permission ends when you delete the content or your account, except for anything you have already shared with others or that we must keep by law. If you send us feedback or suggestions, we may use them without owing you anything.

12. Our content

Kundaly — its software, calculations, designs, text, and the way readings are written and put together — belongs to us or our licensors. We give you a personal, non-exclusive, non-transferable right to use Kundaly and its readings for your own private, non-commercial purposes under these terms. Readings about public figures are illustrative. They rely on published birth details that may be inaccurate, and they are not statements of fact about those people.

13. Changes to Kundaly and to these terms

We are always improving Kundaly, so features may change. If we make a change that significantly reduces a paid feature you are using, we will tell you in advance. You can then cancel and receive a refund for the unused part of any period you paid for in advance.

We may update these terms when we change Kundaly, when the law changes, or for security reasons. If a change materially affects you, we will tell you at least 30 days before it takes effect, in the app or by message. If you don't agree, you can stop using Kundaly and cancel before the change applies. If you keep using Kundaly after the change takes effect, the updated terms apply.

14. Suspending or ending your use

• You can stop using Kundaly at any time, and you can delete your account in the app. Deleting your account deletes your data as our Privacy Policy explains, including any credits.
• We may suspend or close your account if you seriously or repeatedly break these terms, if we must do so by law, or to protect other users or Kundaly. Where it is reasonable, we will tell you first and give you a chance to put things right. If we close your account for a reason that is not your fault, we will refund your unused purchased credits and the unused part of any plan you paid for in advance.
• If we decide to close Kundaly altogether, we will give you at least 30 days' notice and refund as our Refund and Cancellation Policy describes.

15. Our responsibility to you

• What we are responsible for. If we break these terms or fail to use reasonable care and skill, we are responsible for loss or damage you suffer that is a foreseeable result of that. Loss is foreseeable if it is obvious that it will happen, or if we both knew when you started using Kundaly that it might happen. We are not responsible for loss or damage that is not foreseeable.
• What we never exclude. We do not exclude or limit our liability where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, and for breaching your legal rights as a consumer. In the UK, those rights include digital content and services being as described, fit for purpose, of satisfactory quality and supplied with reasonable care and skill.
• Damage to your device. If defective digital content that we supplied damages a device or digital content belonging to you, and this happens because we did not use reasonable care and skill, we will either repair the damage or compensate you. We are not responsible for damage you could have avoided by following our advice to install an update we offered free of charge, or by meeting the minimum system requirements we told you about.
• Private use only. Kundaly is for your own private use. If you use it for any business purpose, we are not responsible for any loss of profit, business, business opportunity or business interruption.
• Readings and decisions. Because Kundaly is for reflection and entertainment (section 2), we are not responsible for decisions you make, or things you do or don't do, because of a reading, an AI answer or a consultation.
• Overall limit. As far as the law allows, our total liability to you for all claims relating to Kundaly is limited to the greater of: the amount you paid us or Paddle for Kundaly in the 12 months before the claim arose, or £100.

16. Misuse

If you deliberately break section 5, and someone brings a claim against us because of it, you are responsible for the loss that this reasonably causes us, as far as the law allows.

17. Events outside our control

We are not responsible for delays or failures caused by events outside our reasonable control, such as a failure of the internet, power, or a supplier we depend on, or an industrial dispute. If one happens, we will tell you, and we will take steps to limit its effect. If it lasts a long time, you can cancel and receive a refund for the unused part of any period you paid for in advance.

18. Complaints

If you have a complaint, contact us at [support email]. We will acknowledge it within 48 hours, and we aim to resolve it within 14 days. If it is about a purchase made through Paddle, Paddle handles billing and refunds, and you can also contact Paddle through the link in your receipt. For complaints about your personal data, see the complaints section of our Privacy Policy.

For users in India: our Grievance Officer can be reached at [support email]. We acknowledge each grievance within 48 hours and resolve it within one month.

19. Law and courts

These terms are governed by the law of England and Wales. You can bring a claim in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring a claim in your local courts. If you live outside the UK, you keep the protection of the mandatory consumer laws of the country you live in, and you may be able to bring a claim in your local courts.

20. General

• Transfers. We may transfer our rights and obligations under these terms to another organisation, for example if our business is sold. We will tell you if this happens, and your rights will not be reduced. You may only transfer your rights to someone else with our written agreement.
• Nobody else has rights under these terms. Only you and we can enforce them. The Contracts (Rights of Third Parties) Act 1999 does not apply.
• If a court finds part of these terms unlawful, the rest stays in force.
• If we don't insist straight away that you do something you are required to do, we can still insist on it later.
• Language. These terms are in English. If we provide a translation, the English version applies where they differ.