Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the Talka mobile application, website, and related voice consultation services (collectively, the “Service”) operated at talka.fozsys.com. By creating an account, signing in, or using Talka, you agree to these Terms. If you do not agree, do not use the Service.

1. Service Scope

Talka provides a platform for voice consultations between users and experts/artists, including account management, call connectivity, coin-based billing, and related support features. Talka does not guarantee specific consultation outcomes. Experts are responsible for the content of their advice; Talka provides the technology that connects parties.

2. Eligibility

• You must be at least 18 years old to create an account or use paid consultations on Talka.
• You must be legally able to enter a binding agreement in your jurisdiction.
• You must provide accurate registration information and keep it up to date.
• You may not use Talka if you have been previously suspended or banned for violations of these Terms.

3. Accounts & Authentication

• Sign-in uses phone OTP verification. You are responsible for safeguarding your device and OTP codes.
• You must not share OTPs, impersonate others, or attempt to access another person’s account.
• We may suspend or restrict accounts that appear compromised, abusive, or inactive after account deletion.
• You may delete your account through the in-app Settings → Edit Profile → Delete Account flow, or at https://talka.fozsys.com/profile/delete.

4. Acceptable Use & Conduct

You agree to use Talka only for lawful, respectful voice consultations. You must not:

• Engage in fraud, harassment, hate speech, threats, or illegal activity.
• Record, distribute, or misuse calls without required consent where applicable by law.
• Attempt to reverse engineer, disrupt, overload, or probe the Service or related infrastructure.
• Manipulate billing, coin balances, promotions, or payment systems.
• Use automated bots or scripts to create accounts, place calls, or extract data without authorization.

We may investigate suspected violations and take action including warnings, suspension, or permanent access removal.

4A. Safety, UGC & Reporting (zero tolerance)

Voice consultations and profile content on Talka are user-generated content (UGC). We have zero tolerance for child sexual abuse material (CSAM), non-consensual sexual content, threats of violence, hate speech intended to incite harm, scams, and other illegal or severely objectionable content.

• Report: In the app, open a user’s profile → flag icon → Report user. Choose a reason and submit. Reports are reviewed by Talka.
• Block: From the same menu, Block user hides that profile from your listings. Reporting also blocks the user.
• Enforcement: We may remove content, suspend or terminate accounts, and report severe cases to authorities where required by law.
• Contact: You may also email tolka@fozsys.com for safety concerns.

5. Coins, Payments & Pricing

• Calls and certain features consume coins according to in-app rates and offers shown at the time of use.
• Recharges are processed by third-party payment providers (for example, Razorpay). Card and UPI details are entered on the provider’s secure checkout, not stored by Talka.
• Prices, taxes, and currency displays may change. The amount confirmed at purchase or call start applies to that transaction.
• Refunds, if any, follow the disclosures shown at purchase time and applicable consumer law. Unused coins may remain on your account until used or until the account is deleted/anonymized.
• Chargebacks or payment disputes may result in temporary restriction of recharges or calling features while we review the case.

6. Experts / Artists

If you offer consultations on Talka, you must comply with these Terms, applicable professional or local rules, and any additional artist guidelines we publish. Earnings, withdrawals, and UPI settlement follow the processes shown in the app. Talka may withhold or reverse payouts tied to fraud, chargebacks, or policy violations.

7. Availability & Changes

We may update, suspend, or maintain the Service for reliability, security, or legal reasons. Network, carrier, device, or third-party outages outside our reasonable control may affect call quality or availability. We may modify features, rates, or these Terms; continued use after an update constitutes acceptance of the revised Terms where permitted by law. Material changes may be communicated in-app or on our website.

8. Intellectual Property

Talka branding, software, UI, and documentation are owned by Talka / Fozsys or its licensors. You receive a limited, non-exclusive, non-transferable license to use the app for its intended purpose. You may not copy, modify, or redistribute our software except as allowed by law.

9. Disclaimers

The Service is provided on a best-effort “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim warranties of uninterrupted service, merchantability, fitness for a particular purpose, and non-infringement. Consultations are not a substitute for licensed professional advice where such advice is required (including medical, legal, or financial advice), unless an expert is duly licensed and you independently verify that.

10. Limitation of Liability

To the extent permitted by law, Talka and its operators are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of the Service, telecom failures, expert advice, or payment processor issues beyond our reasonable control. Our aggregate liability for claims relating to the Service is limited to the amounts you paid to Talka for coins in the three (3) months preceding the claim, except where liability cannot be limited by law.

11. Termination

You may stop using Talka at any time and may delete your account as described above. We may suspend or terminate access for Terms violations, legal risk, non-payment related abuse, or extended inactivity. Provisions that by nature should survive (including liability limits, IP, and payment obligations already incurred) survive termination.

12. Governing Law

These Terms are governed by the laws of India, without regard to conflict-of-law rules, unless mandatory consumer protections in your place of residence require otherwise. Courts of competent jurisdiction in India shall have exclusive venue for disputes, subject to those mandatory rights.

13. Contact

For legal or policy questions: tolka@fozsys.com

Related policies: Privacy Policy