Deskfactors Technologies Pvt. Ltd. (India)
Deskfactors Inc. (International)
Effective Date: [17-04-2026]
Version 1.0
For the purposes of these Terms, the following definitions apply. “Subscriber” means the enterprise organization that has executed a Platform Licensing Agreement. “Admin” means the Subscriber-designated system administrator with full workspace control. “Business Admin” means the sub-workspace manager. “Internal User” means an employee, contractor, or FTE of the Subscriber. “External User” means a consumer, customer, vendor, partner, or client of the Subscriber. “Guest User” means any user that a Subscriber wishes to add to its workspace, who may be an Internal User, an External User, or any other kind of user, at the sole discretion of the Subscriber. “Channel Partner” means a reseller authorized under the Murphi.in brand exclusively, without white-labeling or rebranding rights. “Workspace” means the top-level organizational container. “Sub-Workspace” means a department, business unit, or team-level container. “Messaging Services” means the internal and external messaging capabilities. “Interoperability Services” means communication with third-party messaging platforms. “Audit Trail” means the immutable compliance log. “User-Generated Content” means all content created by users. “Application Licensing Agreement” or “Platform Licensing Agreement” means the private commercial contract. “Confidential Information” means non-public information disclosed by either party. “BFSI Regulations” means RBI, SEBI, IRDAI, and related regulations. “Sector-Specific Regulations” means regulations applicable to non-BFSI Subscribers. “DPDP Act” means the Digital Personal Data Protection Act, 2023. “GDPR” means the EU General Data Protection Regulation. “WABA” means WhatsApp Business Account. “BSP” means WhatsApp Business Solution Provider. “WhatsApp Business Solution Terms” means Meta’s terms governing the WhatsApp Business Solution. “WhatsApp Business Messaging Policy” means Meta’s messaging policy. “Meta Commerce Policy” means Meta’s commerce policy. “Meta Business Manager” means Meta’s business management platform. “System Administrator” means the WABA administrator required by WhatsApp Business Solution Terms. “Business Solution Data” means data obtained from using the WhatsApp Business Solution. “Message Template” means a pre-approved message format for business-initiated WhatsApp messages. “Quality Rating” means the WhatsApp Business Account quality score.
By accessing or using the Murphi.in platform, Subscribers and Users agree to be bound by these Terms of Use. While these Terms of Use are primarily designed to address the requirements of Banking, Financial Services, and Insurance (BFSI) subscribers, they apply equally to subscribers from all other enterprise segments, including but not limited to manufacturing, retail and e-commerce, legal services, professional services, healthcare administrative functions, logistics, real estate, education, consulting, information technology, telecommunications, media, hospitality, energy, pharmaceuticals, government contractors, NGOs, and any other enterprise. BFSI-specific regulatory provisions (RBI, SEBI, IRDAI) apply to BFSI subscribers only. Non-BFSI subscribers are subject to regulatory frameworks applicable to their respective sectors. The same platform behavior, disclaimers, risk allocations, and contractual framework apply uniformly to all subscribers regardless of segment.
The order of precedence among governing documents is as follows: first, the Platform Licensing Agreement, including the Data Processing Addendum where applicable; second, these Terms of Use; third, the Privacy Policy; and fourth, the AI Terms of Use. All financial and commercial terms, including pricing, payment terms, liability caps, indemnification, audit cost allocation, breach notification cost allocation, data return costs, insurance, SLA credits, and all financial remedies, are governed exclusively by the Platform Licensing Agreement, SOW, or Order Form.
Subject to Subscriber’s compliance with these Terms and the Platform Licensing Agreement, Murphi.in grants Subscriber a limited, non-exclusive, non-transferable, revocable, non-sublicensable license to access and use the Platform during the subscription term for Subscriber’s internal business purposes only. The Platform is licensed, not sold. No ownership rights in the Platform, its software, algorithms, models, or intellectual property are transferred to the Subscriber. Channel Partners are granted resale rights only and have no white-labeling or rebranding rights.
Murphi.in is a technology platform and offers many transaction workflows and AI enabled modules such as enterprise secure messaging infrastructure, KYC documentation and such others.
For the Enterprise secure messaging infrastructure, Murphi.in provides tools, features, and services that enable Subscribers to facilitate communications among their users and with users on third-party messaging platforms. Murphi.in does not independently verify, validate, or adjudicate the accuracy, completeness, or compliance of any data, communication, or content processed through the Platform, regardless of Subscriber segment.
Murphi.in is not a financial institution, bank, non-banking financial company, payment system provider, insurance company, regulator, auditor, compliance officer, financial advisor, investment advisor, legal advisor, data controller for Subscriber user decisions, regulated intermediary, communication originator, system of record for financial transactions, professional services firm, or any other entity that provides regulated services. Murphi.in does not originate, control, endorse, or verify any communication transmitted through the Platform.
Subscriber is solely responsible for: accuracy of all subscriber and user information provided to Murphi.in; compliance with all applicable laws, including for BFSI Subscribers, RBI, SEBI, IRDAI and related BFSI regulations, and for non-BFSI Subscribers, sector-specific regulations applicable to the Subscriber’s industry, and for all Subscribers, the DPDP Act 2023, GDPR where applicable, the Information Technology Act 2000, the Consumer Protection Act 2019, and all country-specific laws; obtaining all necessary consents from Users, customers, and third parties under applicable law; managing user provisioning, roles, permissions, and sub-workspace configurations; enforcing appropriate retention periods to meet regulatory obligations for the Subscriber’s sector; compliance with WhatsApp Business Terms, WhatsApp Business Messaging Policy, Meta Commerce Policy, and related Meta terms when using WhatsApp interoperability features; monitoring and moderating User-Generated Content within its workspace; responding to Data Principal and Data Subject rights requests; configuring security controls including screenshot prevention, download restrictions, and external sharing controls appropriate for its risk posture; maintaining a separate backup of data the Subscriber considers critical; ensuring employees return or delete company devices at exit; any regulatory reporting obligations arising from communications on the Platform; and providing notice to employees that communications are monitored and auditable.
Subscriber represents and warrants that it is duly incorporated and authorized to enter into agreements; it holds all necessary regulatory licenses and registrations for its business, including for BFSI Subscribers, RBI, SEBI, or IRDAI licenses as applicable, and for non-BFSI Subscribers, sector-specific licenses and registrations; it has obtained all necessary consents from users and customers; it is not on any applicable sanctions list including OFAC, UN, EU, RBI restricted lists, and Indian MEA sanctions; it will comply with anti-money laundering and know-your-customer requirements where applicable; it will not use the Platform for fraudulent, deceptive, or illegal purposes; its users will not transmit prohibited content; it has provided accurate information during onboarding; if using WhatsApp interoperability, it has established and maintains a Meta Business Manager account and WhatsApp Business Account; it has completed Meta Business Verification and appointed a System Administrator; and it has accepted Meta’s Business Terms, Commercial Terms, and Platform Terms directly with Meta.
Users must maintain secure credentials and must not share credentials with any other person. Users must report suspected credential compromises to their Subscriber Admin immediately. Users must comply with their Subscriber’s policies and applicable laws. Users acknowledge that all Platform communications are logged and auditable by Subscriber Admin. Users must not attempt to circumvent permission controls, screenshot restrictions, audit logging, or any other security measures implemented on the Platform.
Use of the Platform must comply with applicable law, these Terms, and the Subscriber’s internal policies. Subscribers must not use the Platform for illegal purposes, unauthorized financial transactions, unregulated investment advice, market manipulation, insider trading communications, money laundering, terrorism financing, or any activity that violates applicable laws or BFSI regulations.
Subscribers and Users shall not use the Platform for malicious, fraudulent, or unlawful purposes; transmit harmful, defamatory, obscene, or deceptive content; attempt to reverse-engineer, decompile, disassemble, or extract source code, models, algorithms, or proprietary information from the Platform; attempt to circumvent security controls, permission systems, or audit logging; use the Platform to impersonate others; use the Platform in violation of applicable export control or sanctions laws; transmit content that infringes third-party intellectual property or privacy rights; abuse interoperability features to spam, phish, or harass users on third-party messaging platforms; use automated tools or bots beyond authorized Platform features; use the Platform in ways that violate WhatsApp Business Terms, WhatsApp Business Messaging Policy, or Meta Commerce Policy; or violate any other third-party messaging platform policies.
Subscriber acknowledges and agrees that use of WhatsApp interoperability features requires and is subject to the following: establishment and maintenance of a Meta Business Manager account; completion of Meta Business Verification through authentic business documentation, which for India Subscribers typically includes GST certificate and certificate of incorporation; direct acceptance by the Subscriber of Meta’s Business Terms, Commercial Terms, Community Standards, Platform Terms, WhatsApp Business Solution Terms, WhatsApp Business Messaging Policy, and Meta Commerce Policy; appointment and maintenance of an active System Administrator for the WhatsApp Business Account at all times; provision of a phone number not currently registered on the WhatsApp consumer mobile app; obtaining display name approval from Meta; maintaining Business Verification status; complying with messaging tier limits and Quality Rating thresholds; using Meta-approved Message Templates for business-initiated messages outside the twenty-four-hour customer service window; obtaining explicit WhatsApp opt-in consent from each recipient, which must not be pre-checked boxes, assumed consent, or prior SMS consents; complying with Meta Commerce Policy for commerce-related messaging; ensuring the nature of Subscriber’s business and products are not prohibited under WhatsApp Business Messaging Policy; and respecting all opt-outs and consent revocations immediately.
Subscriber acknowledges that Murphi.in acts as a Third-Party Service Provider under the WhatsApp Business Solution Terms. Subscriber authorizes Murphi.in to access the WhatsApp Business Solution on Subscriber’s behalf, process Business Solution Data solely per Subscriber’s instructions and authorization for providing the Services, and refrain from using Business Solution Data for Murphi.in’s own purposes beyond service provision. Subscriber represents that its Platform Licensing Agreement with Deskfactors and these Terms of Use together satisfy the written agreement requirement imposed by Meta under the WhatsApp Business Solution Terms for use of Third-Party Service Providers. Subscriber is responsible for extending equivalent written obligations to any further sub-processors or vendors it engages.
Subscriber is solely responsible for complying with the WhatsApp Business Messaging Policy. Subscriber’s products, services, and business categories must not fall within Meta’s prohibited categories. Subscriber must comply with template category rules covering Marketing, Utility, and Authentication categories, the twenty-four-hour customer service window, messaging frequency guidelines, and Quality Rating requirements. Murphi.in is not responsible for Meta’s determination that Subscriber’s business or products are prohibited, template rejection, Quality Rating degradation, messaging tier limitations, or Meta’s suspension, disconnection, or termination of the WhatsApp Business Account.
Subscriber acknowledges that effective January 15, 2026, Meta restricts the use of general-purpose conversational AI chatbots on the WhatsApp Business API. Only purpose-built business automation flows, such as support bots, booking bots, ordering bots, and appointment bots with clear and predictable business outcomes, are permitted. Subscriber is responsible for configuring AI automation within Meta’s permitted scope. Murphi.in is not responsible for Meta enforcement actions arising from Subscriber’s use of unpermitted AI chatbot functionality on WhatsApp.
The Platform provides interoperability with WhatsApp, Telegram, Discord, Instagram, Facebook, and other third-party messaging platforms. Subscribers must comply with each platform’s terms of service, acceptable use policies, and commerce policies. Murphi.in is not responsible for third-party platform policy changes, enforcement actions, account suspensions, message delivery failures, or any consequences arising from Subscriber’s use of third-party messaging interoperability.
Users may make audio and video calls to other Internal Users and, subject to interoperability availability, to users on third-party platforms. Call quality depends on network conditions, device capabilities, and third-party infrastructure. Murphi.in is not responsible for call failures, poor quality, dropped calls, or data loss during calls. Call metadata may be retained for audit purposes. Call content recording, where supported, is subject to user consent and applicable wiretapping and recording consent laws in the relevant jurisdiction. Subscriber is solely responsible for obtaining all required recording consents, including in two-party consent jurisdictions.
The Platform supports sharing of documents, images, audio, and video files. Subscribers must configure size limits, format restrictions, and sharing permissions appropriate for their use. Subscribers are responsible for ensuring shared files do not contain malware, viruses, or infringing content. Murphi.in does not scan, moderate, or validate file content.
All software, artificial intelligence models, algorithms, workflows, designs, interfaces, documentation, and all components of the Platform, together with all intellectual property rights therein, are the exclusive property of Deskfactors Inc. All copyrights, trademarks, trade secrets, patents, and other intellectual property rights are owned by Deskfactors Inc. Intellectual property disputes are subject to the jurisdiction of the Delaware Courts of the United States. No ownership rights in the Platform are transferred to Subscribers. Subscriber retains ownership of User-Generated Content. Third-party content, including logos and trademarks of other platforms, remains the property of their respective owners. Murphi.in, MurphiConnect.ai, and all brand extensions are owned exclusively by Deskfactors Inc.
Subscriber owns User-Generated Content, including messages, files, documents, and communications exchanged through the Platform. Murphi.in owns the Platform, models, algorithms, and underlying technology. Murphi.in retains a license to use aggregated, de-identified, and anonymized data, feedback, corrections, suggestions, and usage data to operate, maintain, improve, and develop the Services. Subscribers grant Murphi.in a necessary license to process User-Generated Content solely for the purpose of providing the Services.
Each party agrees to protect the other party’s Confidential Information with the same degree of care it uses to protect its own confidential information, and in no event less than reasonable care. Confidential Information excludes information that is publicly available through no fault of the receiving party, independently developed, or required to be disclosed by applicable law or valid legal process. Subscriber acknowledges that Murphi.in may disclose aggregated, non-identifiable usage statistics. Confidentiality obligations survive termination of the Platform Licensing Agreement.
Channel Partners are resellers only and are not granted white-labeling or rebranding rights. All Platform references and interfaces must use Murphi.in branding exclusively. Channel Partners are solely responsible for their customer relationships, sales representations, and onboarding support. Murphi.in is not liable for Channel Partner representations or actions. Channel Partners shall not make warranties or representations on behalf of Murphi.in.
The Platform implements a multi-tenant architecture. Each Workspace represents a Subscriber’s top-level container. Sub-Workspaces provide a secondary layer of data isolation within a Workspace. Data isolation is enforced at the database level with row-level security. Subscribers configure their sub-workspace structure, user assignments, and permission hierarchy based on their regulatory and business requirements. Murphi.in provides the architecture; Subscribers are responsible for appropriate segmentation.
The Platform provides audit trail features supporting regulatory requirements across all Subscriber segments. Audit logs are immutable. Export features enable regulatory retrieval. Minimum seven-year retention or perpetual retention is available as configured. The audit trail records all communications as a comprehensive, immutable record; however, the audit trail may not specifically follow the prescribed formats of any particular regulator at all times. Subscribers are responsible for interpreting and applying regulatory format requirements, and for incorporating changes brought about by SEBI or any other regulatory authority from time to time. The audit trail is a feature, not a guarantee of regulatory compliance. Subscriber is solely responsible for using audit features appropriately for its regulatory obligations.
The Platform supports immediate access revocation, force logout from all devices, and wipe of locally cached data on employee departure. Subscriber is responsible for triggering exit controls through Admin actions. Murphi.in is not responsible for data retained on employee personal devices accessed through means other than the Murphi.in app, for data exported before exit, or for communications conducted by the employee through personal messaging accounts outside the Platform.
Murphi.in uses commercially reasonable efforts to provide reliable services. No strict uptime or performance guarantees are made in these Terms; specific service level agreements are governed exclusively by the Platform Licensing Agreement. The Platform may experience scheduled maintenance, unscheduled outages, third-party infrastructure failures, and degraded performance. Murphi.in is not responsible for any losses resulting from Platform unavailability, regardless of cause. Notice of scheduled maintenance and unscheduled incidents is provided through a service status page, email notification, or other reasonable means. Murphi.in reserves the right to change notification mechanisms at its discretion.
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The Platform relies on third-party cloud, messaging, WhatsApp BSP, AI, communication, and payment infrastructure. Murphi.in is not responsible for any failure, outage, data loss, security vulnerability, or policy change of any third-party provider. Third-party providers may be changed at Murphi.in’s discretion without notice. Murphi.in reserves the right to migrate to alternative third-party infrastructure without Subscriber consent; such migrations may involve temporary service disruption.
THE PLATFORM AND ALL SERVICES, FEATURES, AUDIO AND VIDEO CALLS, MESSAGING, FILES, AUDIT FEATURES, INTEROPERABILITY, DATA LOSS PREVENTION FEATURES, EDISCOVERY SUPPORT, AND AI-GENERATED OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MURPHI.IN DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, UNINTERRUPTED SERVICE, AND ERROR-FREE OPERATION. MURPHI.IN MAKES NO WARRANTY THAT THE PLATFORM WILL MEET SUBSCRIBER’S REQUIREMENTS, THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.
Subscriber is solely responsible for compliance with all applicable laws and regulations. For BFSI Subscribers, this includes RBI, SEBI, IRDAI, and related BFSI regulations. For non-BFSI Subscribers, this includes sector-specific regulations. The Platform provides features; Subscriber interprets and applies regulations. Murphi.in is not a compliance advisor, regulator, or guarantor. Subscriber is responsible for any regulatory penalties, fines, or sanctions resulting from its use or misuse of the Platform.
Data residency is configured per Subscriber country at the infrastructure level. Exceptions exist for Subscriber Metadata and Usage Data as disclosed in the Privacy Policy. Subscribers are responsible for ensuring data residency meets their regulatory requirements and for disclosing data residency to their end users. For GDPR transfers, safeguards including Standard Contractual Clauses and adequacy decisions are configured per the Platform Licensing Agreement.
Murphi.in does not create, control, endorse, or verify User-Generated Content. Subscribers and Users are solely responsible for the content they transmit. Murphi.in does not monitor, moderate, or review User-Generated Content except where required by applicable law or valid legal process. Murphi.in is not responsible for any consequences arising from User-Generated Content, including regulatory violations, reputational harm, misinformation, insider trading communications, unauthorized investment advice, market manipulation, or any other consequence.
The Platform does not make autonomous financial, investment, compliance, regulatory, legal, medical, engineering, or customer-facing decisions. All such decisions are made by Subscribers and their Users. Use of the Platform does not create any fiduciary, agency, advisory, professional, or intermediary relationship between Murphi.in and any Subscriber, User, customer, or third party. The Platform is not designed for and is not suitable for whistleblower reporting, anonymous tip submission, or protected employee complaints. Subscribers must provide separate, protected channels for whistleblower reports as required by applicable law, including the vigil mechanism under the Companies Act 2013, SEBI whistleblower regulations, the EU Whistleblower Directive, and US Sarbanes-Oxley and Dodd-Frank requirements.
Any AI-generated outputs provided by the Platform, including summaries, translations, content suggestions, and analytics, are suggestions only and may contain inaccuracies, omissions, or errors. Subscribers and Users must independently verify all AI outputs before reliance. Detailed provisions governing AI features are set forth in the AI Terms of Use.
Murphi.in is not responsible for any losses, damages, costs, expenses, penalties, fines, sanctions, regulatory actions, reputational harm, business interruption, or adverse outcomes of any kind incurred by any Subscriber, User, customer, or third party arising from or related to use of the Platform. This includes without limitation losses arising from inaccuracies in AI outputs; Platform downtime or unavailability; modification, suspension, or discontinuation of features; reliance on Platform outputs without independent verification; third-party infrastructure failures; WhatsApp and Meta policy changes, account suspensions, template rejections, Quality Rating changes, and messaging tier changes; interoperability failures with any third-party messaging platform; data loss; regulatory violations; unauthorized access; and any other consequence of Platform use. Subscribers and Users engage with the Platform voluntarily and at their own risk.
All commercial terms, including pricing, payment terms, subscription fees, taxes, liability caps, indemnification obligations, breach notification cost allocation, audit cost allocation, data return and deletion costs, insurance requirements, SLA credits, and all financial remedies, are governed exclusively by the applicable Platform Licensing Agreement executed between Subscriber and Deskfactors Technologies Pvt. Ltd. for India Subscribers or Deskfactors Inc. for international Subscribers, together with the applicable SOW and Order Form. These Terms of Use do not create any financial obligation running from Murphi.in to any Subscriber, User, or third party. In the absence of a signed Platform Licensing Agreement, Murphi.in shall have no financial liability of any kind.
Murphi.in will cooperate with valid legal process, including subpoenas, court orders, and regulatory requests, under Indian law, US law, and other applicable jurisdictions. Subscribers are responsible for litigation holds on their own data. Murphi.in may disclose data as required by law, regulation, or valid legal process without prior notice to Subscribers where legally required or where a gag order or non-disclosure directive prohibits notification. Where legally permissible, Murphi.in may notify Subscriber of such requests. Murphi.in does not take positions in Subscriber-customer disputes or Subscriber-employee disputes.
Murphi.in may add, modify, suspend, or discontinue any feature, module, workflow, interface, or service at its sole discretion. Subscribers acknowledge they have no expectation of continued availability of any specific feature. Material changes may be communicated through reasonable means.
Neither party shall be liable for delays or failures in performance caused by events beyond reasonable control, including pandemics, epidemics, natural disasters, acts of God, government actions or orders, cyberattacks, distributed denial of service attacks, third-party infrastructure failures, utility outages, telecommunications failures, war, terrorism, civil unrest, sanctions, embargoes, and regulatory changes affecting operations.
For India Subscribers contracting with Deskfactors Technologies Pvt. Ltd., these Terms are governed by the laws of India, and the courts of Bengaluru, Karnataka, India shall have exclusive jurisdiction. Dispute resolution shall be by arbitration under the Arbitration and Conciliation Act, 1996, with the seat of arbitration in Bengaluru. For international Subscribers contracting with Deskfactors Inc., governing law and dispute resolution are as specified in the Platform Licensing Agreement, typically the laws of the State of Delaware, United States, with arbitration under AAA rules. Intellectual property and copyright disputes, regardless of Subscriber location, are subject to the jurisdiction of the Delaware Courts. Each party waives the right to participate in class actions, class arbitrations, or representative proceedings.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force. These Terms, together with the Platform Licensing Agreement, the Privacy Policy, the AI Terms of Use, and the Data Processing Addendum where applicable, constitute the entire agreement between the parties. No waiver of any provision shall constitute a continuing waiver. Notices shall be provided by email to registered addresses. Subscriber may not assign these Terms without Murphi.in’s prior written consent; Murphi.in may assign in connection with mergers, acquisitions, or corporate restructuring. No third-party beneficiaries are intended. The parties are independent contractors. The English language version of these Terms shall govern.
Murphi.in complies with the Directions issued by the Indian Computer Emergency Response Team (CERT-In) dated April 28, 2022, under Section 70B of the Information Technology Act, 2000. Murphi.in reports cyber incidents to CERT-In within the mandated six-hour timeframe. ICT system logs are maintained in India for one hundred and eighty days. System clocks are synchronized to NIC and NPL NTP servers. Subscribers are separately and independently responsible for their own CERT-In obligations. Subscribers must cooperate with CERT-In investigations as required by applicable law.
Platform audit trail exports are available in a form suitable for Section 65B certification under the Indian Evidence Act, 1872. Murphi.in will cooperate in providing Section 65B certificates for lawfully requested records. Specific procedures for Section 65B certification are governed by the Platform Licensing Agreement.
The Platform supports Subscriber eDiscovery through audit trail export and search features. Subscriber is responsible for issuing legal hold instructions and managing its own litigation hold process. The Platform will suspend automated deletion per Subscriber instruction or valid legal process. Murphi.in does not proactively place legal holds without instruction.
The Platform provides features may support Subscriber Data Loss Prevention configuration, including keyword flagging, pattern detection, and content classification. Subscriber owns and configures DLP policies for its workspace. Murphi.in does not independently monitor content or prevent data leakage. DLP features are compliance support features, not compliance guarantees.
The Platform is an enterprise workspace. All communications are subject to audit by Subscriber Admin. The Platform may not be suitably designed for whistleblower reporting, anonymous tip submission, or protected employee complaints. Subscribers must provide separate, protected channels for whistleblower reports as required by applicable law, including the vigil mechanism under the Companies Act 2013, SEBI whistleblower regulations, the EU Whistleblower Directive, and US Sarbanes-Oxley and Dodd-Frank requirements. Murphi.in is not responsible for any Subscriber failure to establish protected whistleblower channels.
The Platform may support SAML 2.0 single sign-on and SCIM provisioning as features configured in the Platform Licensing Agreement. Subscriber is responsible for its identity provider configuration, user lifecycle management, and access governance. Murphi.in is not responsible for breaches arising from Subscriber identity provider failures or misconfiguration.
Encryption keys are managed by Murphi.in’s infrastructure by default. Customer-managed encryption keys, if offered, are configured per the Platform Licensing Agreement.
The Murphi.in mobile application supports common Mobile Device Management integration patterns. Subscriber is responsible for MDM policy, device enrollment, application-level controls, and device hygiene. Murphi.in is not responsible for breaches arising from lost, stolen, jailbroken, rooted, or otherwise compromised devices, or from Subscriber device policy failures.
Murphi.in may designate certain features as Beta, Preview, or Early Access. Such features are provided “as-is,” may have different functionality, reliability, or availability than generally available features, and may be modified or discontinued without notice. Subscribers acknowledge they use such features at their own risk.
Subscribers are responsible for providing notice to their employees and users that workplace communications on the Platform are monitored, recorded, and auditable. Failure to provide such notice is the Subscriber’s sole responsibility. Applicable laws requiring such disclosure include Indian Shops and Establishment Acts, the Industrial Employment (Standing Orders) Act, GDPR Article 88, the US Electronic Communications Privacy Act, and applicable state-level and country-level employment and wiretap laws.
Subscribers are solely responsible for obtaining all party consents under applicable wiretap and recording consent laws. This includes two-party consent states in the United States, such as California, Florida, Illinois, Massachusetts, Pennsylvania, and Washington, and similar jurisdictions globally. Murphi.in is not responsible for unlawful recording claims arising from Subscriber failure to obtain required consents.
Copyright infringement complaints should be directed to info@Deskfactors.com. Murphi.in will respond to properly formulated notices in accordance with applicable copyright law, including the Digital Millennium Copyright Act (17 USC Section 512) for the United States and the Copyright Act, 1957, and the Information Technology Act, 2000, for India. Subscribers are responsible for ensuring their users do not transmit content that infringes third-party intellectual property rights.
Murphi.in may, at its discretion, offer integrations with India Stack components including Aadhaar authentication, UPI payment gateways, DigiLocker, and third-party payment gateways. Murphi.in is not a Requesting Entity, KUA, ASA, or AUA under the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act 2016; Murphi.in is not a payment system provider under the Payment and Settlement Systems Act, 2007; and Murphi.in is not a banking or financial intermediary. Subscribers using such integrations, when available, are bound by applicable Aadhaar regulations, UIDAI guidelines, UPI operational guidelines, and payment gateway terms.
In the event of Subscriber insolvency, liquidation, or appointment of a court administrator, Murphi.in will respond to lawful instructions from the duly appointed legal representative. Murphi.in is not responsible for determining lawful authority in contested insolvency scenarios. Change of control in a Subscriber requires written notice to Murphi.in. The subscription continues under the successor entity subject to the successor’s acceptance of these Terms. Murphi.in reserves the right to terminate or renegotiate the Platform Licensing Agreement if the successor is a competitor, a sanctioned entity, or located in a restricted jurisdiction. All user accounts and data remain the property and control of the Subscriber; individual user accounts are not treated as personal accounts, and no inheritance or estate access is provided. Requests from estate administrators must be directed to the Subscriber, not to Murphi.in. Data Subject Access Requests received directly by Murphi.in from External Users are forwarded to the applicable Subscriber. Murphi.in is not responsible for Subscriber’s failure to respond timely.
The Platform features support compliance with RBI Master Directions on Outsourcing of IT Services 2023, SEBI communication and record-keeping circulars, IRDAI Outsourcing Regulations 2017, IRDAI Information and Cyber Security Guidelines 2023, FINRA 17a-4 and SEC Rule 17a-4 for US broker-dealer Subscribers, and PMLA record-keeping requirements. These are features supporting Subscriber compliance. Subscriber remains solely responsible for regulatory interpretation and compliance. Murphi.in is not a reporting entity under the Prevention of Money Laundering Act, 2002.
All parties acknowledge and agree to comply with all applicable laws, statutes, and regulations, including but not limited to the Indian Contract Act 1872, the Foreign Exchange Management Act (FEMA) 1999, the Copyright Act 1957, the Trademarks Act 1999, the Companies Act 2013, the Prevention of Money Laundering Act 2002, the Consumer Protection Act 2019, the Income Tax Act 1961, the Goods and Services Tax Act 2017, the UK Online Safety Act 2023, the Gramm-Leach-Bliley Act, NYDFS Part 500, PIPEDA, LGPD, POPIA, and all other applicable laws of the relevant jurisdiction.
Subscriber may request data export in commercially reasonable formats, including JSON, CSV, or similar, during the subscription term. Export scope, frequency, turnaround times, and operational processes are governed by the Platform Licensing Agreement.
Murphi.in reserves the right to offer third-party integrations at its sole discretion. Third-party applications operate under their own terms and conditions. Subscribers have no right to vet, approve, reject, or control Murphi.in’s third-party integrations. Murphi.in is not responsible for third-party application behavior, data handling, or service failures.
Notice of scheduled maintenance and unscheduled incidents is provided through a service status page, email notification, or other reasonable means. Murphi.in reserves the right to change notification mechanisms at its discretion.
Murphi.in, MurphiConnect.ai, and all brand extensions are owned by Deskfactors Inc. Brand names may be modified, merged, or retired at Murphi.in’s sole discretion. Subscribers have no expectation of continued availability of any specific brand name.
Murphi reserves the right, at its sole discretion, to modify, update, or replace these AI Terms, Terms of Use, and Privacy Policy from time to time. Any material changes will be effective upon posting or as otherwise specified. Murphi may, but is not obligated to, provide notice of such changes. Customer’s continued access to or use of the platform following the effective date of any updates constitutes acceptance of the revised terms. If Customer does not agree to the revised terms, Customer must cease use of the platform.
Notwithstanding any updates, modifications, or replacements to these Terms from time to time, any provisions, rights, obligations, or conditions set forth in prior versions of the Terms that are not expressly modified, superseded, or addressed in the most current version shall continue in full force and effect and are hereby incorporated by reference into the then-current Terms.
In the event of any inconsistency, conflict, or ambiguity between the then-current version of the Terms and any prior version, such inconsistency shall be interpreted in a manner that most effectively preserves the intent, enforceability, and protection of Murphi.ai’s rights, interests, and remedies, and such interpretation shall prevail.
For questions regarding this document, contact:
Deskfactors Inc.
Email: info@deskfactors.com
Website: https://murphi.in
Murphi is focused on enterprise secure messaging for the BFSI segment and offers data security, compliance, risk management, audit trails, India data residency as its core offerings.
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