Stemphor
Techlabs

Terms of service

Effective from 9 November 2026

These terms are an agreement between you and Stemphor Techlabs LLP (LLPIN ABZ-3579, “Stemphor”, “we”, “us”). They apply to this website and to Stem Commerce, including the Stem Merchant app. By creating an account or using Stem Commerce, you agree to these terms on behalf of yourself and the business you represent. Our privacy policy explains how we handle personal data.

1. Who can use Stem Commerce

Stem Commerce is for businesses in India. To use it, you must be at least 18 and able to enter into a contract, and you must have the authority to bind the business you register.

2. The pilot

  • Stem Commerce is in a pilot. It is free during the pilot. We will give you at least one month's notice before we start charging, and you can stop using it at any time.
  • During the pilot, customers pay cash on delivery and you deliver orders yourself.Stem Commerce does not collect or hold money for you.
  • Pilot features may change, be limited or be removed, and we do not promise any level of availability. We may end the pilot with the same notice.
  • If you send us feedback or suggestions, we may use them freely to improve our services.

3. Your account

You sign in with your mobile number. Keep access to it secure. You are responsible for everything done in your account, including by team members you invite, and for removing team members who should no longer have access. Tell us promptly at [email protected] if you think your account has been misused.

4. WhatsApp

  • You connect your own WhatsApp Business Account and phone number. Your use of WhatsApp is also governed by Meta’s terms, including the WhatsApp Business Terms of Service, the WhatsApp Business Messaging Policy and the WhatsApp Commerce Policy. You must follow them.
  • Only message customers who have agreed to hear from you, use approved message templates outside WhatsApp’s 24-hour customer-service window, and honour opt-outs.
  • Meta charges your WhatsApp Business Account for some messages under its own pricing. You pay those charges to Meta, including during the pilot. They are not part of Stem Commerce.
  • Meta may restrict or suspend your account or number. We are not responsible for Meta’s decisions, but we will help where we can.

5. Your shop and your sales

You are the seller. Every sale is a contract between you and your customer. We are not a party to it. You are responsible for:

  • your products, descriptions, images and prices, and for having the right to sell them;
  • taxes, including GST, invoices and any licences or registrations your business needs;
  • delivering orders, collecting cash on delivery, and handling returns, refunds and complaints; and
  • complying with consumer protection, e-commerce, legal metrology and other laws that apply to your business.

Tools such as GST settings, coupons and sale prices help you, but you must check that the prices, taxes and totals your customers see are correct.

6. Your customers’ data

For your customers’ personal data, you are the data fiduciary and we act as your data processor. You must have a lawful basis to collect and use it, give your customers any notice the law requires, and handle their requests. We process it only to provide Stem Commerce to you, as described in our privacy policy, and we will help you respond to requests and data breaches.

7. AI features

Stem Commerce uses AI to suggest or send replies, transcribe voice notes and translate messages. AI output can be wrong or incomplete, even when it is based on your catalogue. Check anything important, and do not rely on AI output for prices, availability or promises to customers without checking it. You can choose not to use these features.

8. Acceptable use

You must not use Stem Commerce to:

  • sell anything illegal, or anything WhatsApp’s Commerce Policy prohibits;
  • send spam, or message people who have not agreed to hear from you;
  • mislead, defraud or harass anyone, or infringe anyone’s rights;
  • upload malware, or try to break, overload, reverse-engineer or get unauthorised access to our services; or
  • access another business’s data, or resell Stem Commerce without our written permission.

9. Your content and our service

You keep ownership of your catalogue, images, messages and other content. You give us a licence to host, copy, process and display it as needed to provide and support Stem Commerce. We own Stem Commerce, the Stem Merchant app, this website and everything we build for them. These terms give you the right to use them, not ownership of them.

10. Suspension and closing your account

  • You can stop using Stem Commerce at any time. Ask us to close your account at [email protected].
  • We may suspend or close your account if you break these terms or the law, if Meta requires it, or if your use puts others at risk. Where we reasonably can, we will warn you first.
  • Before your account closes, you can ask us for a copy of your catalogue, orders and customer list. After it closes, we delete your data as our privacy policy describes.

11. Disclaimers

Stem Commerce is provided “as is” and “as available”, especially during the pilot. To the extent the law allows, we make no promises that it will be uninterrupted, error-free or fit for a particular purpose. It depends on services we do not control, such as WhatsApp, and we are not responsible for their failures.

12. Indemnity

You will compensate us for claims, losses and costs arising from your products, your sales, your content, your use of your customers’ data, or your breach of these terms or the law.

13. Changes to these terms

We may update these terms. We will change the date at the top and, for significant changes, tell you in the Stem Merchant app or by message before they take effect. If you keep using Stem Commerce after that, you accept the new terms.

14. Law and disputes

These terms are governed by the laws of India. The courts at Mumbai have exclusive jurisdiction over any dispute. Before going to court, please write to us so we can try to resolve it.

15. Contact

Stemphor Techlabs LLP, 10th Floor, Building 4, North Wing, NESCO IT Park, Western Express Highway, NESCO, Goregaon East, Mumbai, Maharashtra 400063, India. Email: [email protected].