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Terms & Conditions

Effective Date: June 2026

Last Updated: June 2026

These Terms & Conditions ("Terms") govern your use of the MetraLife®️ Metabolic Companion mobile application, website (www.metralife.org⁠�), and all services provided by JADINova Health Tech Solutions Pvt. Ltd.

By accessing or using our website or mobile application, you agree to comply with these Terms.

1. About Us

MetraLife®️ Metabolic Companion is owned and operated by:

JADINova Health Tech Solutions Pvt. Ltd.

Registered in India.

Website: www.metralife.org⁠�

Email: support@metralife.org

2. Eligibility

You must:

Be at least 18 years old

OR

Use the application under the supervision of a parent or legal guardian.

By using the platform, you confirm that the information you provide is true and accurate.

3. Nature of Service

MetraLife provides:

* Metabolic health assessment

* Lifestyle recommendations

* Nutrition guidance

* Exercise guidance

* Health tracking

* Laboratory interpretation

* Doctor consultation (where available)

* Health education

* Personalized metabolic risk scoring (J-METRA™️ Index)

The platform is intended to support—not replace—medical care.

4. Not a Medical Emergency Service

MetraLife is NOT intended for:

Medical emergencies

Heart attack

Stroke

Severe chest pain

Difficulty breathing

Severe bleeding

Loss of consciousness

Suicidal thoughts

If you experience any emergency, immediately contact your local emergency medical services.

5. No Doctor-Patient Relationship

Using the Website or App does not automatically establish a doctor-patient relationship.

A doctor-patient relationship exists only when:

A consultation has been accepted by a licensed physician through the platform.

The physician agrees to provide medical advice.

6. Medical Disclaimer

Information provided within MetraLife is intended for educational and informational purposes only.

It should never be considered:

Medical diagnosis

Medical treatment

Prescription

Emergency advice

Always consult your healthcare professional before making medical decisions.

7. J-METRA™️ Index

The J-METRA™️ Index is a proprietary metabolic health scoring system developed by JADINova Health Tech Solutions Pvt. Ltd.

The score:

Estimates metabolic health

Identifies potential health risks

Tracks progress

Supports clinical decision-making

The score does NOT diagnose disease.

Only qualified healthcare professionals can diagnose medical conditions.

8. User Responsibilities

You agree to:

Provide accurate information

Update health records when necessary

Maintain confidentiality of your login credentials

Use the platform responsibly

Not misuse the service

9. Prohibited Activities

Users may not:

Attempt to hack the platform

Reverse engineer software

Copy proprietary algorithms

Use false identities

Upload malicious software

Share another person's medical information without consent

Use the platform for illegal purposes

Violation may result in permanent account suspension.

10. Privacy

Your personal information is handled according to our Privacy Policy.

By using the platform, you consent to:

Storage of health information

Secure processing of medical data

Communication related to your care

Use of anonymized data for analytics and research (unless prohibited by applicable law)

11. Data Security

We employ industry-standard security measures including:

Encryption

Secure cloud infrastructure

Role-based access

Authentication

Regular security monitoring

Although we strive to protect your information, no online platform can guarantee absolute security.

12. Appointments

Appointment availability depends upon healthcare professionals.

MetraLife does not guarantee:

Immediate appointments

Specific doctors

Consultation outcomes

Treatment results

13. Payments

Certain services require payment.

Payments are processed through secure payment gateways.

All prices are subject to change without prior notice.

14. Refund Policy

Refunds may be issued only in accordance with our Refund Policy.

Consultations already completed are generally non-refundable unless otherwise required by law.

15. Subscription Plans

Subscription benefits vary depending on the selected plan.

Failure to renew may result in suspension of premium services.

MetraLife reserves the right to modify subscription plans.

16. Third-Party Services

Our platform may integrate with:

Laboratories

Hospitals

Pharmacies

Wearable devices

Payment providers

Video consultation providers

MetraLife is not responsible for services provided by third parties.

17. Wearable Device Data

If you connect wearable devices, you authorize MetraLife to access health metrics including:

Activity

Heart rate

Sleep

Blood glucose (where supported)

Weight

Blood pressure

Data accuracy depends on the connected device.

18. Intellectual Property

All rights relating to:

MetraLife®️

J-METRA™️

Algorithms

Software

Graphics

Logos

Website design

Clinical content

Educational material

remain the exclusive property of JADINova Health Tech Solutions Pvt. Ltd.

No content may be copied without written permission.

19. Artificial Intelligence

Where AI-assisted features are available:

Outputs are intended to support healthcare decisions.

AI recommendations should always be reviewed by qualified healthcare professionals.

AI does not replace physician judgment.

20. Limitation of Liability

To the maximum extent permitted by law, MetraLife shall not be liable for:

Indirect damages

Loss of income

Data loss

Medical complications arising from failure to seek professional care

Decisions made solely based on app recommendations

21. Indemnification

Users agree to indemnify JADINova Health Tech Solutions Pvt. Ltd. against claims arising from:

Violation of these Terms

Misuse of the platform

False information submitted

Unauthorized access caused by negligent handling of credentials

22. Suspension of Accounts

We may suspend or terminate accounts if users:

Provide fraudulent information

Misuse the platform

Violate applicable laws

Attempt unauthorized access

23. Availability

While we strive for uninterrupted service, we do not guarantee continuous availability.

Maintenance, updates, or unforeseen technical issues may temporarily interrupt access.

24. Research and Analytics

With appropriate consent or where permitted by law, anonymized and aggregated data may be used for:

Clinical research

Product improvement

Scientific publications

Healthcare analytics

No personally identifiable information will be disclosed without authorization except as required by law.

25. Regulatory Compliance

Users are responsible for ensuring that use of the platform complies with the laws and regulations applicable in their jurisdiction.

Healthcare services are subject to local licensing and regulatory requirements.

26. Changes to Terms

We reserve the right to update these Terms at any time.

Updated Terms will become effective upon publication.

Continued use of the platform constitutes acceptance of the revised Terms.

27. Governing Law

These Terms shall be governed by the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of the competent courts in Kerala, India, unless otherwise required by applicable law.

28. Contact Us

JADINova Health Tech Solutions Pvt. Ltd.

MetraLife®️ Metabolic Companion

Website: www.metralife.org⁠�

Email: support@metralife.org

Acceptance

By accessing or using the MetraLife website or mobile application, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.