Terms of service

Zag Calling is operated by Albin Varghees, an individual proprietorship registered in Kerala, India, trading as Zag Calling. In these terms “we”, “us” and “Zag” mean that business. Our address for correspondence is Kochi, Kerala, India.

We are not registered for GST, so no GST is charged on your top-ups and the prices shown are the prices you pay. Contact: support@zagcalling.com.

By creating an account, topping up a wallet, or placing a call you accept these terms. If you do not accept them, do not use the service.

Zag is software. You describe an AI voice agent, connect a telephone number through a carrier account you hold, and we run that agent on your calls: it speaks, listens, takes interruptions, runs the knowledge and tools you give it, and returns a transcript, an optional recording, and an itemised charge.

We are not a telephone company. Calls travel over third-party carrier networks, and speech and language come from third-party model providers. Carriers and networks can fail, drop calls, or refuse to connect a number. We do not guarantee that any particular call connects or sounds good, and a failed call is not billed as a completed one.

The service is not a replacement for emergency services. Do not use it to call police, fire, ambulance, or any number where a failed call could endanger someone.

• You must be 18 or older and legally able to enter a contract.
• Give us accurate details. We may suspend accounts whose details we cannot verify, or whose payment instrument does not belong to the account holder.
• Your login is yours alone. You are responsible for everything done with your credentials and for the people you invite into your workspace.
• One workspace per person or business unless we agree otherwise in writing.
• Tell us promptly at support@zagcalling.com if you believe your credentials have been compromised.

The service is prepaid. You add money to a wallet in Indian Rupees, and calls draw the wallet down. There is no credit facility, no post-paid billing and no interest on wallet balance.

• Rate: ₹5.00 per minute of connected call time, metered per second and rounded to the nearest paise. A 13-second call costs about ₹1.09.
• Minimum top-up ₹10; maximum ₹1,00,000 per transaction.
• Payments are processed by Razorpay. Card numbers, CVVs and UPI credentials are entered on Razorpay's pages and never reach our systems.
• Calls stop when the balance falls below one minute's price. A call in progress may be cut off when the balance runs out — that is the billing gate, not a fault.
• Telephone numbers and carrier minutes are supplied by your carrier and billed by that carrier at their own rates. We do not mark them up, and we do not collect them on the carrier's behalf.
• Every call page shows the duration, the rate and the exact amount charged, down to the paise, while the call is still fresh.

Wallet credit does not expire while your account is open, cannot be transferred to another account, and is not a deposit. Refunds are governed by the refunds and cancellation policy, which forms part of these terms.

You are calling real people, which makes you the caller and the party responsible for those calls. We provide the software; you provide the lawful basis.

• Consent: you must have a lawful basis to call each number, and you must stop calling anyone who asks you to stop.
• Recording: calls are recorded and transcribed. Keep the recording notice switched on — every agent is instructed to say it in its first sentence — and do not edit it out of a prompt.
• Indian telecom rules: comply with TRAI regulations, including DLT registration where it applies, and with Do Not Disturb rules. No promotional calls to DNC-registered numbers.
• No impersonation of a person, company or public authority; no deception about being an AI agent when asked directly.
• No harassment, threats, fraud, debt-collection abuse, or calls to minors.
• No emergency, medical, financial-advice or legal-advice use where an error could cause serious harm.
• No reselling Zag as your own telephony product, and no using it to build a competing dialler, without a written agreement.

We may suspend an account immediately where a carrier reports abuse, a regulator requires it, or we reasonably believe calls are unlawful. Where we can, we will tell you why and what would restore the account.

Call audio, transcripts and call metadata are personal data about the people you call, and you are the party deciding to collect it. We process it on your instructions as a processor, and we describe our own handling in the privacy policy: what is stored, who else sees it, how long it is kept, and how someone can ask for a copy or deletion.

Recordings are retained for 30 days and then deleted automatically. Transcripts and call records are kept while your account is open because they are also your invoice.

You keep ownership of the knowledge, instructions, tool definitions, numbers and files you add. You grant us a licence to store and process them solely to run the service for you. You confirm you have the rights to everything you upload, and that it does not infringe anyone else's rights.

The software, the interface, the compiled prompts and the documentation are ours. Do not copy, decompile, resell or redistribute them, and do not remove notices of ownership.

The service is provided as is on a best-effort basis. We do not offer a service-level agreement, credits for downtime, or a guaranteed uptime figure, and we will not pretend otherwise in a sales conversation.

We may add, change, limit or withdraw features. Where a change would materially affect calls you already rely on, we will give notice in the app or by email before it takes effect, except where a carrier or regulator forces the change sooner.

• We are not liable for indirect or consequential loss, lost profit, lost business, or loss of reputation.
• Our total liability for all claims connected with the service is limited to the amount you paid us in the three months before the event giving rise to the claim.
• We are not liable for failures of carriers, networks, handsets or third-party model providers.
• Nothing here limits liability that Indian law does not allow us to limit, including liability for fraud or wilful misconduct.

You can stop at any time and ask us to close your account and delete your data. We can suspend or close an account for breach of these terms, for unlawful use, or where a carrier or regulator withdraws the ability to serve you.

On closure we delete your agents, knowledge, tools and numbers. Call records and transcripts follow the retention periods in the privacy policy because they are also the billing record. Unused wallet balance on a closed account is handled under the refunds policy.

We may update these terms. Material changes are notified by email or in the app at least 7 days before they take effect, and the “last updated” date on this page always reflects the current version. Continuing to use the service after a change means you accept it.

These terms are governed by the laws of India. The courts at Ernakulam, Kerala have exclusive jurisdiction over any dispute.

Grievance officer: Albin Varghees, Kochi, Kerala, India — support@zagcalling.com. We acknowledge a complaint within 48 hours and aim to resolve it within 15 days. If you are unhappy with the outcome you may escalate to the appropriate consumer forum in Kerala.