Terms of Service

1. Acceptance of terms

By creating a Healio account or otherwise using the app or healio.club, you agree to these Terms of Service and our Privacy Policy. If you don't agree, please don't use Healio.

2. Eligibility

You must be at least 18 years old to use Healio. By using the app, you confirm that you meet this requirement and that any information you provide is accurate.

3. The service

Healio offers two things: Circles, free peer-support rooms organised around a shared experience, and Healer sessions, paid one-to-one conversations by message, audio, or video call with a verified peer listener. A daily check-in helps shape what you see when you open the app.

Healio is a peer support platform. It is not a medical service, a therapy service, or a crisis response service, and nothing in the app should be treated as professional medical, psychological, or psychiatric advice.

4. Healers aren't therapists

Healers are individuals who have personally lived through experiences like heartbreak, grief, burnout, or starting over. They are not licensed therapists, counsellors, or medical professionals, and are not permitted to give clinical or diagnostic advice. Every Healer is identity-verified and trained on Healio's Safety Code before their first session, but their qualification is lived experience, not a clinical credential.

Healers are independent individuals who use Healio to offer their time, not employees or agents of Chingari Media Pvt Ltd. Healio is not responsible for the specific advice or opinions a Healer shares in a session.

5. Your conduct

Healio only works if it stays safe. You agree not to:

• Harass, threaten, or demean anyone in a Circle or session.
• Impersonate another person, or misrepresent your identity to a Healer or moderator.
• Share another person's private information without their consent (doxxing).
• Post content promoting self-harm, violence, or illegal activity, or use Healio to solicit, advertise, or sell unrelated products or services.
• Attempt to bypass Healio's payment system to pay a Healer directly, or circumvent safety and moderation features.
• Use bots, scripts, or automated means to access or post on Healio.

Healio has no tolerance for objectionable content or abusive users. Reported content and accounts are reviewed against our Community Guidelines and Safety Code, and violations can lead to content removal, warnings, or account suspension.

6. Payments, billing & refunds

• Circles are free. Joining and posting in peer Circles never costs anything.
• Healer sessions are billed per minute from a prepaid in-app wallet, at a rate set by each Healer and shown before you start a session.
• Top-ups are processed through our third-party payment provider; unused wallet balance remains available for future sessions.
• Refunds are considered for sessions affected by a verified technical failure (e.g. a dropped call charged in error). Because sessions are billed for time genuinely spent connected to a Healer, we generally don't refund for a session that connected and ran as expected. See our Refund Policy for how to request a review.
• Healer payouts are made weekly on the rate the Healer has set, less any applicable platform fee disclosed to Healers at signup.

7. Becoming a Healer

If you apply to become a Healer, you'll go through identity verification and safety-code training before taking your first session. As a Healer, you set your own rate and hours, and you're responsible for the conduct and content of your own sessions in line with Healio's Safety Code. Healio may suspend or remove Healer status for violations of these Terms, the Safety Code, or applicable law.

8. Content and ownership

You retain ownership of what you post. By posting in a Circle or messaging a Healer, you grant Healio a licence to store, display, and transmit that content as needed to operate the service — for example, showing your post to other circle members, or retaining session metadata for billing and safety. We don't sell your content or use it for third-party advertising.

You're responsible for what you post, and confirm you have the right to share it.

9. Suspension and termination

You may delete your account at any time from Settings. We may suspend or terminate an account that violates these Terms, our Community Guidelines, or the Safety Code, or that we reasonably believe poses a safety risk to others — with or without prior notice, depending on severity.

10. Disclaimers

Healio is provided "as is." We work to keep it safe and reliable, but we don't guarantee the app will be uninterrupted, error-free, or that any Circle or Healer session will meet your expectations. Views shared by other users or Healers are their own and don't represent Healio or Chingari Media Pvt Ltd.

11. Limitation of liability

To the fullest extent permitted by law, Chingari Media Pvt Ltd is not liable for indirect, incidental, or consequential damages arising from your use of Healio, including anything said or done by another user or Healer. Nothing in these Terms limits liability that cannot legally be limited.

12. Governing law

These Terms are governed by the laws of India. Any dispute arising from these Terms or your use of Healio will be subject to the exclusive jurisdiction of the courts located in India.

13. Changes to these terms

We may update these Terms as Healio evolves. If a change is material, we'll notify you in the app or by email before it takes effect. Continuing to use Healio after a change takes effect means you accept the updated Terms.

14. Contact us

Questions about these Terms? Reach us at support@healio.club or write to Chingari Media Pvt Ltd.