Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement under the Indian Contract Act, 1872, between Margifi ("Company", "we", "us", or "our") and the entity or individual accessing or using the Margifi platform ("Client", "you", or "your"). By registering for, accessing, or using the Margifi Service, the Client agrees to be bound by these Terms. If the Client is accepting these Terms on behalf of a company or other legal entity, the Client represents that they have the authority to bind such entity to these Terms.

If you do not agree to these Terms, do not register for or use the Service.

1.1 "Agreement" means these Terms of Service, together with any Order Form, invoice, and any policies incorporated by reference herein, including the Privacy Policy, Data Processing Agreement, and Cookie Policy.

1.2 "API Credentials" means the access tokens, API keys, OAuth credentials, account identifiers, and other authentication data that the Client provides to Margifi to enable integration with the Client's connected third-party platforms.

1.3 "Client" means the business entity — including sole proprietorships, partnerships, limited liability partnerships, private limited companies, and other legal entities registered or operating in India — that has registered for a Subscription to the Service.

1.4 "Client Data" means all data, content, and information submitted to or processed through the Service by or on behalf of the Client, including but not limited to advertising performance data, order data, customer attribution data, payment settlement data, and delivery status data originating from the Client's connected platforms.

1.5 "Confidential Information" means any non-public information disclosed by one party to the other that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and circumstances of disclosure, including but not limited to business data, technical systems, pricing, and Client Data.

1.6 "Connected Platforms" means the third-party services and platforms that the Client authorises Margifi to access via API integration for the purpose of delivering the Service, including Meta Ads, Google Ads, Shopify, Razorpay, Cashfree, Delhivery, and Shiprocket, as applicable.

1.7 "Dashboard" means the web-based user interface made available by Margifi through which the Client accesses analytics, reports, and platform features.

1.8 "Documentation" means any technical guides, help articles, FAQs, and onboarding materials made available by Margifi to Clients in connection with the Service.

1.9 "Fees" means the subscription charges payable by the Client for access to the Service, as set out in the applicable Subscription Plan.

1.10 "Intellectual Property Rights" means all patents, copyrights, trademarks, trade secrets, database rights, and other intellectual property rights, whether registered or unregistered, existing anywhere in the world.

1.11 "Margifi" means the company operating the Margifi platform. Margifi Limited is registered at Ground Floor, WeWork Forum, DLF Cyber City, DLF Phase 3, Sector 24, Gurugram, Haryana 122002, India.

1.12 "Order Form" means any written or electronic subscription confirmation, quote, or invoice issued by Margifi that specifies the Subscription Plan, billing period, and applicable Fees.

1.13 "Personal Data" has the meaning assigned to it under the Digital Personal Data Protection Act, 2023 (DPDP Act), as applicable.

1.14 "Platform" means the Margifi software application, Dashboard, APIs, algorithms, data models, and related technology infrastructure owned and operated by Margifi, hosted on DigitalOcean and delivered via Cloudflare.

1.15 "Service" means the D2C profit analytics and operating intelligence software-as-a-service provided by Margifi through the Platform, as more particularly described in Clause 3 of these Terms.

1.16 "Subscription" means the Client's paid right to access and use the Service during a Subscription Term, in accordance with the selected Subscription Plan.

1.17 "Subscription Plan" means the pricing tier and feature set selected by the Client, as offered by Margifi from time to time and specified in the applicable Order Form or Margifi's published pricing page.

1.18 "Subscription Term" means the period during which the Client's Subscription is active, commencing on the Subscription Start Date and continuing for the billing cycle — quarterly or annual — selected by the Client, subject to renewal or termination in accordance with these Terms.

1.19 "User" means any individual authorised by the Client to access and use the Service on the Client's behalf, including employees, contractors, or agents of the Client.

2.1 Legal Capacity. By registering for the Service, the Client represents and warrants that: (a) if a natural person, they are at least 18 years of age and possess full legal capacity to enter into a binding contract under the Indian Contract Act, 1872; (b) if acting on behalf of a legal entity, they are duly authorised to bind such entity; and (c) the use of the Service does not violate any applicable law or regulation.

2.2 Business Use Only. The Service is designed exclusively for business-to-business use by Indian D2C brands and commerce businesses. The Service is not intended for use by consumers acting in a personal capacity.

2.3 Accurate Information. The Client agrees to provide accurate, current, and complete information during registration and to maintain the accuracy of such information throughout the Subscription Term.

2.4 Account Security. The Client is solely responsible for maintaining the confidentiality of their account credentials. The Client agrees to notify Margifi immediately at admin@margifi.com upon becoming aware of any unauthorised access to or use of their account.

3.1 Core Service. Margifi provides a D2C profit analytics SaaS platform that enables Indian direct-to-consumer brand operators to connect their advertising accounts, e-commerce platforms, payment gateways, and shipping carriers in one place to track campaign-level profitability, attribution, and operating performance.

3.2 Specific Capabilities. The Service includes, subject to the features available under the Client's Subscription Plan:

• (a) Connection to Meta Ads Manager and Google Ads accounts to ingest advertising spend, impressions, clicks, ROAS, and campaign-level performance data;
• (b) Connection to Shopify stores via the Shopify Partner API to ingest order data, revenue figures, product performance, and fulfilment status;
• (c) Connection to payment gateways (Razorpay and/or Cashfree) to ingest payment settlement data and reconcile revenue against advertising spend;
• (d) Connection to shipping carriers (Delhivery and/or Shiprocket) to ingest delivery status, return data, and NDR outcomes for attribution and profitability calculations;
• (e) A Dashboard presenting aggregated analytics including daily profit summaries, ROAS alerts, ad account performance breakdowns, delivery outcome tracking, and operating intelligence reports;
• (f) WhatsApp-based daily reporting where configured by the Client.

3.3 What the Service Does Not Include.

• (a) Financial advice, investment recommendations, or legally binding financial statements;
• (b) Media buying, advertising campaign management, or any form of ad spend optimisation performed by Margifi on the Client's behalf;
• (c) Any guarantee of specific business outcomes, revenue, profit, or ROAS targets;
• (d) Data backup services beyond what is operationally necessary for service delivery;
• (e) Managed services, implementation consulting, or custom software development, unless separately agreed in writing;
• (f) Access to or control over the Client's Connected Platform accounts beyond read-access necessary for data ingestion.

3.4 Third-Party Platform Dependencies. The Client acknowledges that the Service is dependent on the continued availability and API access policies of Connected Platforms. Margifi shall not be liable for any disruption caused by changes to API access, rate limits, policy changes, or downtime attributable to Meta, Google, Shopify, Razorpay, Cashfree, Delhivery, Shiprocket, or any other third-party platform.

3.5 Beta Features. Margifi may offer features designated as "beta", "preview", or "experimental". Such features are provided without warranty and may be discontinued or limited at any time without notice or liability.

4.1 Registration. To access the Service, the Client must register for an account providing their name, business email address, company name, and such other information as Margifi may require.

4.2 Authentication. Account authentication and session management is handled through Clerk. The Client acknowledges that their authentication data is subject to Clerk's own terms of service.

4.3 One Account Per Business. Each Client entity may maintain one primary account. Creating multiple accounts to circumvent usage limits or access additional trials is a material breach of these Terms.

4.4 Account Responsibility. The Client is responsible for all activities that occur under their account. Margifi shall not be liable for any loss or damage arising from the Client's failure to maintain account security.

5.1 Subscription Plans. Margifi offers subscription plans providing access to the Platform at pricing tiers published on the Margifi pricing page. Margifi reserves the right to introduce additional plans, modify features, or discontinue plan tiers with reasonable notice to existing Clients.

5.2 Billing Cycles. Margifi offers quarterly and annual billing cycles. There is no monthly billing option. The Client selects their billing cycle at the time of Subscription.

5.3 Payment Method. All payments are processed via Razorpay. The Client agrees to maintain a valid and authorised payment method at all times during the Subscription Term.

5.4 Fees and Taxes. All Fees are quoted exclusive of applicable taxes. The Client is responsible for all taxes, including GST. Where Margifi is required by law to collect GST, such amounts will be added to the invoice. The Client must provide a valid GSTIN if applicable.

5.5 Payment Due Date. Fees for quarterly Subscriptions are due on the same calendar date as the initial Subscription Start Date each quarter; fees for annual Subscriptions are due annually on the anniversary of the Subscription Start Date. Invoices are issued digitally via Razorpay.

5.6 Late Payment. If payment fails:

• (a) Margifi may attempt to recharge;
• (b) if payment remains outstanding for more than seven (7) days, Margifi may suspend access;
• (c) if payment remains outstanding for more than thirty (30) days, Margifi may terminate the Subscription.

5.7 Price Changes. Price increases take effect at the next renewal cycle with at least thirty (30) days' prior written notice to existing Clients.

5.8 Disputed Charges. The Client must notify Margifi at admin@margifi.com within fourteen (14) days of any disputed charge.

6.1 Trial Availability. Margifi may, at its sole discretion, offer eligible new Clients a free trial. The availability, duration, and conditions of any free trial will be communicated at the time of offer. The standard free trial duration is one month.

6.2 Trial Limitations. During a free trial, the Client is subject to all applicable Terms. Margifi reserves the right to limit features or integrations during a trial period.

6.3 Conversion. At the end of the free trial period, the account will either automatically convert to a paid Subscription (if valid payment details are provided and the Client has not cancelled) or be suspended.

6.4 One Trial Per Entity. Free trials are available once per business entity.

7.1 Automatic Renewal. Unless the Client cancels before the end of the current Subscription Term, the Subscription will automatically renew for a successive period equal to the then-current billing cycle at the then-current Fees.

7.2 Renewal Notice. Margifi will send a renewal reminder at least fourteen (14) days before renewal for quarterly Subscriptions and thirty (30) days before renewal for annual Subscriptions.

7.3 Cancellation to Prevent Renewal. Cancellations received after the renewal billing has been processed will take effect at the end of the newly commenced billing cycle.

8.1 Cancellation by Client. The Client may cancel at any time by:

• (a) using the cancellation option in the Dashboard, or
• (b) sending a written request to admin@margifi.com from the registered account email.

8.2 Effect of Cancellation. Upon cancellation, the Client's access continues through the end of the current paid Subscription Term.

8.3 No Pro-Rata Refunds. Subscription Fees are non-refundable by default. No pro-rata refunds will be issued for unused days within a prepaid billing period.

8.4 Exception — Refund at Margifi's Discretion. Margifi may consider refund requests in exceptional circumstances involving documented technical failure that rendered the Service materially unavailable for a sustained period.

8.5 Post-Cancellation Data Retention. Following the end of the Client's final paid Subscription Term, Margifi will retain Client data for thirty (30) days ("Data Retention Window"). After this window, data will be permanently deleted or anonymised.

8.6 Reactivation. A Client who has cancelled may reactivate at any time. Data from a prior Subscription may not be recoverable after the Data Retention Window has expired.

See also: Full Refund Policy →

9.1 Permitted Use. The Client may use the Service solely for their own internal business purposes — analysing the performance and profitability of their D2C brand operations.

9.2 Prohibited Conduct. The Client agrees not to:

• (a) Resell, sublicense, lease, or otherwise make the Service available to any third party, including by white-labelling the Dashboard or analytics outputs;
• (b) Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform or any underlying algorithms;
• (c) Use the Service to process data belonging to third-party businesses that are not the Client's own brand operations without Margifi's prior written consent;
• (d) Scrape or extract data from the Platform through automated means not expressly permitted by Margifi;
• (e) Attempt to gain unauthorised access to other Clients' accounts, data, or systems, or to any backend infrastructure of Margifi;
• (f) Upload, transmit, or store content that is unlawful, defamatory, obscene, or that infringes any third-party Intellectual Property Rights;
• (g) Use the Service in any manner that violates applicable Indian law, including the IT Act 2000, DPDP Act 2023, or the Indian Penal Code;
• (h) Use the Service to engage in financial fraud, misrepresentation, or money laundering;
• (i) Transmit malware, viruses, or any other harmful code through the Service;
• (j) Circumvent or interfere with any security, access control, or rate-limiting features of the Platform;
• (k) Use data or insights derived from the Service to build a competing product that replicates Margifi's core functionality.

9.3 Consequences of Breach. Any violation constitutes a material breach and may result in immediate suspension or termination, with or without notice, at Margifi's sole discretion.

10.1 API Credentials. The Client is solely responsible for providing accurate, valid, and authorised API Credentials for all Connected Platforms. The Client warrants they have the legal right to grant Margifi access to the data on those platforms.

10.2 Third-Party Platform Accounts. The Client is responsible for maintaining their own accounts with Connected Platforms. Margifi is not responsible for any actions taken by those platforms.

10.3 Data Accuracy. The accuracy of analytics generated by the Service is dependent on the accuracy and completeness of data from Connected Platforms. Margifi is not responsible for inaccuracies in outputs caused by inaccurate or incomplete source data.

10.4 Authorised Users. The Client is responsible for ensuring all Users comply with these Terms and is liable for all actions and omissions of its Users.

10.5 Compliance. The Client is responsible for ensuring its use of the Service complies with all applicable laws and regulations.

11.1 Client Data Ownership. The Client retains all ownership rights in and to Client Data. Margifi makes no claim of ownership over Client Data.

11.2 License to Margifi. The Client grants Margifi a non-exclusive, worldwide, royalty-free, limited license to access, store, process, transmit, and display Client Data solely for the purpose of providing the Service. This license terminates upon expiry of the Data Retention Window.

11.3 Aggregated and Anonymised Data. Margifi may generate aggregated, anonymised data derived from Client Data and platform usage for platform improvement, research, and benchmarking. Such data will not be attributed to any individual Client. Margifi retains all rights in Anonymised Data.

11.4 No Sale of Client Data. Margifi will not sell, rent, or trade Client Data to any third party for commercial purposes.

See also: Data Processing Agreement →

12.1 Margifi's IP. The Platform, including all software, algorithms, data models, UI designs, trade names, logos, and Documentation, is the exclusive property of Margifi.

12.2 License to Client. Subject to compliance with these Terms and timely payment of Fees, Margifi grants the Client a non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service during the Subscription Term for the Client's own internal business purposes.

12.3 Feedback. If the Client provides suggestions or feedback, the Client grants Margifi a perpetual, irrevocable, royalty-free license to use and incorporate such Feedback into the Platform without any obligation to the Client.

12.4 No Reverse Engineering. The Client may not copy, modify, create derivative works of, or reverse engineer any proprietary elements of the Platform.

13.1 Termination by Client. The Client may terminate by cancelling their Subscription in accordance with Clause 8. Termination takes effect at the end of the current paid Subscription Term.

13.2 Termination by Margifi for Cause. Margifi may terminate immediately upon written notice if:

• (a) The Client commits a material breach and fails to remedy it within fourteen (14) days of written notice;
• (b) The Client fails to pay Fees for more than thirty (30) days after the due date;
• (c) The Client engages in fraudulent, illegal, or harmful conduct;
• (d) The Client becomes insolvent or is subject to proceedings under the Insolvency and Bankruptcy Code, 2016.

13.3 Termination by Margifi for Convenience. Margifi may discontinue the Service on sixty (60) days' written notice. Margifi will provide a pro-rata refund of prepaid Fees for any unused portion of an annual or quarterly Subscription Term.

13.4 Effect of Termination. Upon termination:

• (a) the Client's right to access the Service ceases;
• (b) all outstanding Fees become immediately payable;
• (c) each party will promptly return or destroy the other party's Confidential Information;
• (d) Clauses 1, 11.3, 12, 14, 15, 16, 17, 18, 20, and 21 survive termination.

13.5 Data on Termination. Following termination, Margifi retains Client Data for the thirty (30) day Data Retention Window, after which it is deleted or anonymised.

14.1 Cap on Liability. Margifi's aggregate liability shall not exceed the total Fees paid by the Client to Margifi in the three (3) calendar months immediately preceding the event giving rise to the claim.

14.2 Exclusion of Consequential Loss. Neither party shall be liable for any:

• (a) loss of profits;
• (b) loss of revenue;
• (c) loss of business or contracts;
• (d) loss of anticipated savings;
• (e) loss of data;
• (f) damage to goodwill or reputation;
• (g) indirect, special, incidental, or consequential damages.

14.3 Essential Basis. The Client acknowledges the limitations of liability reflect a reasonable allocation of risk and are an essential basis of the bargain between the parties.

14.4 Exceptions. Nothing in these Terms limits either party's liability for:

• (a) death or personal injury caused by negligence;
• (b) fraud or fraudulent misrepresentation;
• (c) any liability that cannot be excluded or limited under applicable Indian law.

14.5 Third-Party Platform Actions. Margifi shall not be liable for any loss or damage arising from actions taken by Connected Platforms.

15.1 "As Is" Basis. The Service is provided on an "as is" and "as available" basis. Margifi expressly disclaims all representations, warranties, conditions, and terms — whether express, implied, statutory, or otherwise — including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

15.2 No Guarantee of Accuracy. Margifi does not warrant that analytics, reports, or data visualisations generated by the Service will be accurate, complete, uninterrupted, or error-free. All reports and insights are provided for informational purposes only.

15.3 No Guarantee of Uptime. Margifi will use commercially reasonable efforts to ensure Platform availability. Margifi targets 99.9% monthly availability (commercially reasonable efforts; not an absolute guarantee).

15.4 Planned Maintenance. Margifi may take the Platform offline for planned maintenance. Margifi will use reasonable efforts to schedule maintenance during off-peak hours and provide advance notice where feasible.

16.1 Client Indemnification. The Client agrees to indemnify, defend, and hold harmless Margifi and its directors, officers, employees, contractors, and agents from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• (a) the Client's use of the Service in breach of these Terms;
• (b) the Client's breach of any representation, warranty, or obligation;
• (c) any Client Data that infringes a third party's Intellectual Property Rights;
• (d) the Client's violation of any applicable law or regulation.

16.2 Margifi Indemnification. Margifi agrees to indemnify the Client from and against claims by third parties alleging that the Platform itself infringes such third party's Intellectual Property Rights, provided that:

• (a) the Client promptly notifies Margifi of the claim;
• (b) the Client grants Margifi sole control of the defence;
• (c) the Client provides reasonable assistance at Margifi's cost.

17.1 Each party agrees to keep confidential all Confidential Information of the other party and not to disclose such information to any third party, or use it for any purpose other than performing obligations under this Agreement.

17.2 The obligations in Clause 17.1 do not apply to information that:

• (a) is or becomes publicly available through no fault of the receiving party;
• (b) was lawfully known to the receiving party without restriction before disclosure;
• (c) is independently developed by the receiving party; or
• (d) is required to be disclosed by law or court order, provided the receiving party gives reasonable prior notice.

18.1 Margifi reserves the right to modify these Terms at any time. Material changes will be notified by email and/or Dashboard notice at least fourteen (14) days before the changes take effect.

18.2 Continued use of the Service after the effective date of modified Terms constitutes acceptance. If the Client objects, their sole remedy is to cancel before the effective date.

18.3 The most current version of these Terms will always be available at margifi.com/terms.

19.1 Neither party shall be liable for any delay or failure caused by circumstances beyond its reasonable control, including acts of God, natural disasters, government actions, war, civil unrest, power outages, internet infrastructure failures, or epidemic or pandemic events.

19.2 If a force majeure event continues for more than sixty (60) days, either party may terminate this Agreement by written notice without liability.

20.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of India, including the Indian Contract Act, 1872, the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023.

20.2 Jurisdiction. Subject to Clause 20.3, the parties irrevocably submit to the exclusive jurisdiction of the courts at Gurugram, Haryana, India.

20.3 Negotiation First. In the event of any Dispute, the parties shall first attempt to resolve it through good-faith negotiation for a period of thirty (30) days from the date of written notice.

20.4 Arbitration. If the Dispute is not resolved within the Negotiation Period, it shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996 (as amended), by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be Gurugram, Haryana. The language of arbitration shall be English. The arbitral award shall be final and binding on both parties.

20.5 Emergency Relief. Nothing in this Clause shall prevent either party from seeking emergency injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration.

21.1 Entire Agreement. This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior negotiations, representations, and agreements.

21.2 Severability. If any provision is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, or if not capable of modification, struck without affecting the remaining provisions.

21.3 Waiver. No failure or delay by either party in exercising any right shall operate as a waiver of that right.

21.4 Assignment. The Client may not assign this Agreement without Margifi's prior written consent. Margifi may assign this Agreement without the Client's consent in connection with a merger, acquisition, or sale of all or substantially all of Margifi's assets.

21.5 Notices. All formal notices shall be in writing and sent by email: (a) for Margifi: admin@margifi.com; (b) for the Client: the registered account email address.

21.6 Relationship of Parties. The parties are independent contractors. Nothing in this Agreement creates any partnership, joint venture, agency, employment, or franchise relationship.

21.7 Language. These Terms are drafted in English. In the event of any conflict between a translated version and the English version, the English version shall prevail.