Terms of Service.

Obsrv turns bank statements into underwriting reports: extracted transactions, computed metrics (income, obligations, FOIR, bounces, counterparties), integrity checks, and a narrative verdict.

Reports are indicative aids to underwriting, not credit decisions. Numbers that fail our reconciliation checks are flagged or held for review, never silently passed, but the lending decision, and responsibility for it, is always yours. Obsrv is not a credit bureau, a credit rating agency, or a financial advisor.

• Sign-in is by one-time email code. You are responsible for the mailbox you sign in with and for the people you invite to your organization.
• API keys act as your organization. Keep them secret and rotate them from Settings if exposed; anything submitted with your key is billed to your organization.
• One organization per business. Don't create accounts to farm trial credits.

• Analysis is prepaid with credits: 1 page = 1 credit = ₹5. CSV uploads count 40 transaction rows as one page. Credits are sold in packs (minimum 100 credits / ₹500); larger packs include bonus credits. Prices may change with notice; already-purchased credits keep their page value.
• Purchased credits expire 12 months from the date of purchase. All of an account's features are available regardless of pack size.
• If your balance covers only part of a document, we process that part, label the report PARTIAL, and let you resume the remainder within 7 days of topping up.
• Credits are non-transferable and non-refundable; all purchases are final. Prices are in INR; any applicable taxes are shown at checkout.

You may only submit statements you are legally entitled to process, your own, or an applicant's with the consent and lawful basis your role as a lender requires. You may not use Obsrv to harass, to discriminate unlawfully, to probe or overload the service, or to build a competing dataset from our outputs.

Raw statement files are deleted after analysis by default; organizations may enable a retention vault and control deletion themselves (retention windows and the partial-document exception are detailed in the Privacy Policy). Reports and your credit ledger remain available to your account. We process applicant data on your behalf and never sell it or use it to train models.

Obsrv is provided "as is", without warranty of uninterrupted availability or of fitness for a particular purpose. We are in early access: features, limits, and these terms will evolve, and material changes will be announced to the email on your account before they take effect.

To the maximum extent Indian law permits, Obsrv Technologies LLP's aggregate liability arising from the service is limited to the amounts you paid us in the three months preceding the claim. We are not liable for lending losses, indirect or consequential damages, or decisions made on flagged or held reports.

You can stop using Obsrv at any time; email us to close the account. We may suspend or terminate accounts that breach these terms, with notice where practicable. On closure, remaining raw files are deleted immediately and reports become inaccessible after 30 days.

These terms are governed by the laws of India; courts at Pune, Maharashtra have exclusive jurisdiction. Questions → [email protected].