Introduction

• These Terms & Conditions (“Terms”) govern your use of Affordamic’s website, mobile app, and services.
• By accessing or using our platform, you accept these Terms. If you disagree, please discontinue use.

Eligibility

• Services are intended for individuals aged 13+ (or with parental/guardian consent).
• By using our services, you represent that you are legally competent under Indian law.

Services

• Access to study material, AI tools, test series, and other educational resources.
• Services may include free and paid features (credits, subscriptions, competitions).

User Responsibilities

• You agree not to misuse, copy, resell, or share materials without authorization.
• You shall not upload or transmit harmful code, offensive, or unlawful content.

Payments & Refunds

• Payments are processed securely via third-party gateways.
• Refunds (if applicable) follow our “Earn Your Money Back” program or specific refund policy.

Intellectual Property

• All content, logos, trademarks belong to Affordamic.
• Users may not reproduce, distribute, or modify content without written permission.

Limitation of Liability

• We are not liable for exam outcomes or losses arising from reliance on platform content.

Dispute Resolution & Governing Law

• Governed by the laws of India
• Jurisdiction: [Insert City, e.g., New Delhi / Bangalore].
• Disputes may first be attempted to be resolved amicably; otherwise, arbitration applies under the Arbitration and Conciliation Act, 1996.

Information Collected

• Personal Information: Name, Email, Contact details.
• Academic Data: Exam preferences, progress reports, AI-learning behavior.
• Financial Data: Payment details (processed by secure gateways).
• Device & Log Data: IP address, browser type, usage statistics.

Use of Information

• To personalize study material & provide AI recommendations.
• To communicate updates, offers, newsletters.
• For compliance with Indian law.

Sharing of Information

• Shared only with trusted partners (payment processors, analytics, hosting providers).
• No selling of personal data.
• Disclosure may occur if required by law enforcement under the IT Act.

User Rights (As per SPDI Rules)

• Right to access your data.
• Right to withdraw consent.
• Right to request corrections/deletions.

Data Security

• Encryption and secure servers used.
• Reasonable security practices as per ISO/IEC 27001 compliance or equivalent.

Purpose of Cookies

• To ensure smooth functioning, personalize experience, and collect analytics.

types Used

• Essential cookies (login, session).
• Analytics cookies (Google Analytics or similar).
• Preference cookies (language/exam preferences).
• Advertising cookies (if used for re-targeting campaigns).

Consent and Control

• Users can manage cookies via browser settings.
• Consent banners will be displayed upon first visit (to comply with Indian data privacy norms).

Refund & Cancellation Policy

• Refunds are applicable only in cases of:
• No refund for partially used subscription or credits.
• Refunds processed within 7–14 business days.

Disclaimer

• Content is for educational purposes only.
• We do not guarantee exam success.
• External links (if provided) are for reference only; we are not responsible for their content.

Grievance Redressal Mechanism (Mandatory under Indian IT Rules, 2021)

• Grievance Officer: [Appoint a person, add contact email & postal address]
• Complaints must be addressed within 15 days
• Contact details will be displayed in the footer as per Indian law.

Child Safety & Parental Consent

• Students below 18 must use the platform under parental/guardian supervision.
• We do not knowingly collect personal data from children without parental consent.

Compliance Notes for India

• IT Act 2000 & SPDI Rules 2011 – Data collection, privacy, consent.
• Consumer Protection Act 2019 – Refund, cancellations, fair disclosure.
• IT Intermediary Guidelines 2021 – Grievance officer, redressal, content moderation.
• Trademark Act 1999 – Use of your registered logo & brand.