Terms & Conditions

Last updated: 15 June 2026

These Terms of Use (“Terms”) govern your access to and use of the RegAhead platform, applications, application programming interfaces, and the website at www.regahead.com (together, the “Service”). The Service is operated by WhyMinds Global Solutions Pvt. Ltd., the company behind WhyMinds AI and RegAhead (“WhyMinds”, “we”, “us”, or “our”). By accessing or using the Service, you (“you”, the “Customer”, or the “User”) agree to be bound by these Terms.

Where your institution has executed a separate master subscription agreement, order form, or services agreement with WhyMinds (a “Master Agreement”), that Master Agreement governs your use of the Service and prevails over these Terms to the extent of any conflict. These Terms otherwise apply to all access to and use of the Service, including evaluation, trial, and website use.

1. Definitions

“Authorised User” means an employee, contractor, or agent of the Customer whom the Customer permits to use the Service. “Customer Data” means all data, documents, records, and content that the Customer or its Authorised Users submit to, or generate through, the Service. “Documentation” means the user guides and technical materials we make available for the Service. “Order Form” means an ordering document or online registration specifying the subscription, modules, and fees agreed between the parties.

2. The Service

RegAhead is a software-as-a-service platform for third-party risk management, regulatory change management, group compliance oversight, conversational compliance intelligence, and ESG reporting for the BFSI sector. Subject to these Terms and any applicable Master Agreement or Order Form, we grant the Customer a non-exclusive, non-transferable, non-sublicensable right to access and use the Service for its internal business purposes during the subscription term. We may update, enhance, or modify the Service from time to time, provided that such changes do not materially reduce the core functionality of a paid subscription during its then-current term.

3. Accounts and Access

Access to the Service requires an account. The Customer is responsible for maintaining the confidentiality of account credentials, for all activity that occurs under its accounts, and for ensuring that its Authorised Users comply with these Terms. The Customer must notify us promptly at [email protected] of any unauthorised access or suspected security incident affecting its account. We may suspend access where we reasonably believe it is necessary to protect the security or integrity of the Service.

4. Acceptable Use

The Customer and its Authorised Users must not: (a) use the Service in violation of any applicable law or regulation; (b) copy, modify, reverse-engineer, decompile, or create derivative works of the Service except to the extent permitted by law; (c) resell, sublicense, or make the Service available to any third party other than Authorised Users; (d) probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measure, except under an authorised testing programme agreed with us in writing; (e) introduce malware or any harmful code; (f) use the Service to build a competing product or to benchmark it without our prior written consent; or (g) use the Service in any manner that could damage, disable, overburden, or impair it.

5. Customer Data and Ownership

As between the parties, the Customer retains all right, title, and interest in and to Customer Data. The Customer grants us a limited licence to host, process, and transmit Customer Data solely as necessary to provide, secure, and support the Service, and as otherwise instructed by the Customer. The Customer is responsible for the accuracy, quality, and legality of Customer Data and for the means by which it acquired such data. Consistent with our Sovereign AI architecture, Customer Data is processed within the Customer’s designated deployment and data-residency boundary, and we do not use Customer Data to train shared or third-party foundation models.

6. Privacy and Data Protection

Our handling of personal data is described in our Privacy Policy, which forms part of these Terms. Each party will comply with applicable data-protection laws, including the Digital Personal Data Protection Act, 2023 and, where applicable, the EU General Data Protection Regulation. Where we process personal data on the Customer’s behalf, we do so as a processor in accordance with the Customer’s documented instructions and any data-processing addendum agreed between the parties.

7. Confidentiality

Each party may receive non-public information of the other that is designated as confidential or that should reasonably be understood to be confidential (“Confidential Information”). The receiving party will use Confidential Information only to perform under these Terms, will protect it with at least reasonable care, and will not disclose it except to personnel and advisers who need to know it and are bound by confidentiality obligations. These obligations do not apply to information that is or becomes public through no fault of the receiving party, was lawfully known before disclosure, or is independently developed.

8. Intellectual Property

The Service, the Documentation, and all related software, knowledge graphs, control libraries, templates, and content (excluding Customer Data) are and remain the exclusive property of WhyMinds and its licensors. “RegAhead”, “WhyMinds”, and associated logos are trademarks of WhyMinds Global Solutions Pvt. Ltd. No rights are granted other than those expressly set out in these Terms. If the Customer provides feedback or suggestions, we may use them without restriction or obligation.

9. Third-Party Services

The Service may interoperate with third-party products, data sources, or services. We are not responsible for third-party services, and their use is governed by the relevant third party’s terms. Any integration the Customer enables is at its discretion.

10. Fees and Payment

Where the Customer subscribes to a paid plan, fees, billing frequency, and payment terms are set out in the applicable Order Form or Master Agreement. Unless stated otherwise, fees are exclusive of taxes, and invoices are payable within the period specified in the Order Form. Website visitors and trial users incur no fees. Nothing on the website constitutes a binding offer of pricing.

11. Term, Suspension, and Termination

These Terms apply for as long as you use the Service. Subscriptions run for the term stated in the applicable Order Form. Either party may terminate for the other’s material breach that remains uncured 30 days after written notice. We may suspend or terminate access immediately where required by law, where continued use poses a security risk, or where fees are materially overdue. On termination, the Customer’s right to use the Service ceases; we will make Customer Data available for export for a limited period as set out in the Master Agreement, after which we may delete it in the ordinary course, subject to legal retention requirements.

12. Warranties and Disclaimers

We will provide the Service with reasonable skill and care and substantially in accordance with the Documentation. Except as expressly stated in these Terms or a Master Agreement, the Service is provided “as is” and “as available”, and we disclaim all other warranties, whether express, implied, or statutory, including any warranties of merchantability, fitness for a particular purpose, and non-infringement. RegAhead supports the Customer’s compliance and risk-management activities but does not constitute legal, regulatory, audit, or financial advice; the Customer remains responsible for its own regulatory obligations and decisions.

13. Limitation of Liability

To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, goodwill, or data, arising out of or related to the Service. Each party’s total aggregate liability arising out of or related to these Terms will not exceed the fees paid or payable by the Customer for the Service in the twelve months preceding the event giving rise to the claim. These limitations do not apply to a party’s liability for breach of confidentiality, infringement of the other party’s intellectual property, indemnification obligations, or any liability that cannot be excluded by law.

14. Indemnification

The Customer will defend and indemnify WhyMinds against third-party claims arising from Customer Data or the Customer’s use of the Service in breach of these Terms. We will defend and indemnify the Customer against third-party claims that the Service, as provided by us and used in accordance with these Terms, infringes a third party’s intellectual-property rights, subject to the limitations in Section 13.

15. Availability and Support

We aim to keep the Service available and will provide support in accordance with the service levels set out in the applicable Order Form or Master Agreement. We may carry out scheduled maintenance and will use reasonable efforts to give advance notice of planned downtime.

16. Changes to these Terms

We may update these Terms from time to time. Where changes are material, we will provide reasonable notice through the Service or by email. Continued use of the Service after the changes take effect constitutes acceptance of the revised Terms. The “Last updated” date above indicates when these Terms were last revised.

17. Governing Law and Dispute Resolution

These Terms are governed by the laws of India, without regard to conflict-of-laws principles. The parties will attempt to resolve any dispute amicably in good faith. Any dispute not resolved within 30 days will be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, seated in Mumbai, India, before a sole arbitrator, conducted in English. Subject to the agreement to arbitrate, the courts at Mumbai will have exclusive jurisdiction.

18. Force Majeure

Neither party is liable for any failure or delay in performance (other than payment obligations) caused by events beyond its reasonable control, including acts of God, war, civil unrest, governmental action, network or utility failures, or pandemics.

19. Notices

Legal notices to WhyMinds should be sent to [email protected] and to WhyMinds Global Solutions Pvt. Ltd., WeWork BKC, Bandra Kurla Complex, Mumbai 400051, India. We may give notice to the Customer through the Service or to the email address associated with its account.

20. General

These Terms, together with any Master Agreement, Order Form, and the Privacy Policy, constitute the entire agreement between the parties regarding the Service and supersede all prior understandings on that subject. The Customer may not assign these Terms without our prior written consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. If any provision is held unenforceable, the remaining provisions continue in effect. A party’s failure to enforce any right is not a waiver of that right. There are no third-party beneficiaries to these Terms.

21. Contact

For questions about these Terms, or to request a copy of our standard platform terms, contact us at [email protected].