INTUCATE

1. Introduction

These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "Student", "you") and Dharia Enterprises Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at 901, Narayan Apartments, Main Avenue Road, Santacruz (West), Mumbai, Maharashtra - 400054, India, operating the educational technology platform under the brand name Intucate ("Company", "we", "us", "our").

Intucate (accessible at www.intucate.com and through its mobile applications collectively, the "Platform") is an online learning platform specifically designed for students preparing for the Chartered Accountancy ("CA") examinations conducted by the Institute of Chartered Accountants of India ("ICAI"). The Platform provides video lectures, study materials, mock tests, exam preparation tools, and related educational services.

BBY ACCESSING, REGISTERING ON, BROWSING, OR USING THE PLATFORM IN ANY MANNER WHATSOEVER, YOU UNCONDITIONALLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS IN THEIR ENTIRETY, ALONG WITH OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE ALL ACCESS TO AND USE OF THE PLATFORM.

This Agreement is an electronic record within the meaning of the Information Technology Act, 2000 ("IT Act") and the rules thereunder, and is published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, which require publishing of the rules and regulations, privacy policy, and terms of use for access or usage of the Platform.

2. Definitions

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below, unless the context otherwise requires:

• "Platform" means and includes the Intucate website (www.intucate.com), mobile applications (available on Android and iOS), web-based learning portals, associated software, databases, interfaces, and all related services operated by Dharia Enterprises Private Limited under the Intucate brand.
• "User" means any individual or entity that accesses or uses the Platform in any capacity, including but not limited to registered Students, Instructors, visitors, and guests.
• "Student" means a registered User who has created an account on the Platform for the purpose of accessing educational content, courses, and learning tools for CA examination preparation.
• "Instructor" means an individual or entity authorised by the Company to upload, publish, and deliver educational content, video lectures, study materials, or other learning resources on the Platform.
• "Content" means all information, text, video lectures, audio recordings, PDF materials, question banks, mock tests, notes, graphics, images, interactive tools, and any other materials made available on the Platform, whether created by the Company, Instructors, or third parties.
• "Services" means the suite of educational services offered by the Company through the Platform, including course access, video lectures, live or recorded classes, mock tests, exam preparation tools, community forums, and any other feature or functionality offered from time to time.
• "Course" means a structured educational programme comprising one or more modules of Content available for purchase or access on the Platform.
• "Subscription" means a time-bound plan that grants a User access to specified Content or Services on the Platform for a defined period in exchange for a recurring or one-time fee.
• "Intellectual Property Rights" means all patents, trademarks, service marks, trade names, copyrights, database rights, design rights, know-how, trade secrets, and all other intellectual property rights whether registered or unregistered, subsisting anywhere in the world.
• "Personal Data" has the meaning assigned to it under the Digital Personal Data Protection Act, 2023 ("DPDP Act").
• "Account" means the unique user account created by a User upon registration on the Platform.

3. Eligibility

3.1 Age Requirement:
The Platform is intended for use by individuals who are at least 13 (thirteen) years of age. Users below the age of 18 (eighteen) years may access the Platform only with the consent and active supervision of a parent or legal guardian, who shall be responsible for ensuring compliance with these Terms. By accepting these Terms, the parent or legal guardian represents that they have reviewed and agreed to these Terms on behalf of the minor.

3.2 Legal Capacity:
By accessing the Platform, you represent and warrant that you have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872. Persons of unsound mind or those disqualified by law are not eligible to use the Platform.

3.3 Geographical Scope:
The Platform is primarily designed for use by users in India. The Company makes no representation that the Content, Services, or Platform are appropriate or available for use in other jurisdictions. Users accessing the Platform from outside India do so at their own risk and are responsible for compliance with applicable local laws.

3.4 Account per Person:
Only one Account may be created per individual. The creation of multiple accounts by the same individual for any purpose, including circumventing restrictions or bans, is strictly prohibited.

4. User Accounts

4.1 Registration:
To access certain features of the Platform, including paid Courses and personalised learning tools, Users are required to register and create an Account by providing accurate, current, and complete information including full name, valid email address, mobile number, and such other information as may be requested during the registration process.

4.2 Accuracy of Information:
You represent and warrant that all information provided during registration and at any time thereafter is true, accurate, current, and complete. The Company reserves the right to suspend or terminate any Account found to be registered with false or misleading information, without prior notice or liability.

4.3 Account Security:
You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password. You agree to: (a) not share your Account credentials with any other person; (b) immediately notify the Company at support@intucate.com upon becoming aware of any unauthorised access to or use of your Account; (c) ensure that you log out of your Account after each session, especially when using shared or public devices. The Company shall not be liable for any loss or damage arising from your failure to comply with these obligations.

4.4 Account Activity:
You are fully responsible for all activities that occur under your Account, whether or not authorised by you. Any action taken through your Account shall be deemed to have been taken by you.

4.5 Verification:
The Company reserves the right, at its sole discretion, to verify the identity and eligibility of any User. Failure to provide satisfactory verification may result in refusal of registration or suspension of an existing Account.

4.6 Suspension and Termination:
The Company reserves the right, at its sole discretion, to verify the identity and eligibility of any User. Failure to provide satisfactory verification may result in refusal of registration or suspension of an existing Account.

5. Platform Services

5.1 General.
Intucate provides an online learning ecosystem tailored for CA examination aspirants, offering the following Services:

• Video Lectures: Pre-recorded and, where available, live streaming lectures delivered by experienced Instructors covering all subjects of the CA Foundation, Intermediate, and Final examinations as prescribed by ICAI.
• Study Materials: Downloadable and in-app study notes, reference materials, summary charts, and supplementary reading resources aligned with ICAI syllabi.
• Mock Tests and Practice Papers: Timed mock examinations, subject-wise practice tests, chapter-level quizzes, and performance analytics tools to assist Students in exam preparation.
• Exam Preparation Tools: Digital flashcards, revision planners, progress trackers, bookmarking, and other interactive learning aids.
• Community Forum: A moderated discussion board enabling Students to interact with peers and Instructors, raise subject-related queries, and share academic insights.
• Mobile Application: Access to all Services through the Intucate mobile application available on Android and iOS devices.

5.2 Service Modifications:
The Company reserves the right to add, modify, discontinue, or remove any feature or component of the Services at any time, without prior notice. Users acknowledge that the Platform and its features may evolve, and the Company shall not be liable for any disruption or inconvenience arising from such changes.

5.3 No Affiliation with ICAI:
Intucate is an independent educational platform and is not affiliated with, endorsed by, or in any way connected to the Institute of Chartered Accountants of India (ICAI). All CA examination structures, syllabi references, and regulatory information are sourced from ICAI for educational purposes only. Students are advised to refer directly to the ICAI for official examination-related guidance.

6. Course Access and Licence

6.1 Limited Licence:
Upon successful payment for a Course or Subscription, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Content associated with that Course or Subscription solely for your own personal, non-commercial educational purposes. This licence does not constitute a sale of the Content or any rights therein.

6.2 Duration of Access:
Course access is valid for the period specified at the time of purchase (e.g., 6 months, 12 months, or as indicated on the Course page). Upon expiry of the access period, your access to the associated Content will automatically terminate unless renewed. The Company is not obligated to extend access beyond the purchased period.

6.3 Device and Access Limitations:
Course access may be subject to device limitations. The Company reserves the right to restrict access to a Course from more than a specified number of devices simultaneously. Any attempt to circumvent these limitations constitutes a breach of these Terms.

6.4 No Downloading or Offline Reproduction:
Unless expressly permitted by the Company and enabled through official Platform features (such as designated offline viewing modes), Users are prohibited from downloading, recording, copying, or reproducing any video lectures, study materials, or other Content by any means whatsoever.

6.5 Course Content Updates:
The Company endeavours to keep Course Content current and aligned with ICAI syllabus changes; however, it does not guarantee that Content will be updated simultaneously with ICAI revisions. Students are responsible for verifying that the Course Content corresponds to the applicable examination syllabus.

7. Payments and Subscriptions

7.1 Pricing:
All fees for Courses, Subscriptions, and other paid Services are displayed on the Platform in Indian Rupees (INR). Prices are subject to change at the Company's discretion. Any price change will not affect a Course or Subscription already purchased by a User.

7.2 Payment Gateway:
All payments on the Platform are processed through Razorpay, a third-party payment gateway. By making a payment, you agree to Razorpay's terms of service and privacy policy in addition to these Terms. The Company does not store your complete financial information such as card numbers or banking credentials. The Company is not responsible for any loss, damage, or security breach attributable to Razorpay or your payment provider.

7.3 Subscription Plans:
The Platform offers subscription-based access plans (including but not limited to monthly, quarterly, half-yearly, and annual plans) as may be offered from time to time. Details of available subscription plans, including pricing and access scope, are published on the Platform.

7.4 Billing and Auto-Renewal:
Where a Subscription is set to auto-renew, the applicable fee will be automatically charged to your registered payment method on the renewal date. You authorise the Company to charge such amounts. It is your responsibility to ensure that your payment method has sufficient funds. You may disable auto-renewal at any time through your Account settings, subject to the applicable notice period.

7.5 Failed Payments:
In the event of a failed payment due to insufficient funds, expired card, or any other reason, your access to the relevant Course or Subscription may be immediately suspended until successful payment is received. The Company will notify you of failed payments; however, it is your responsibility to ensure timely payment.

7.6 Taxes and Duties:
All applicable taxes, including Goods and Services Tax (GST) as levied under Indian law, shall be charged over and above the stated Course or Subscription fee, unless otherwise specified. The Company shall not be held responsible for any additional taxes, levies, or duties imposed by authorities applicable to your specific situation.

7.7 Invoices:
Invoices. GST-compliant invoices or receipts for payments made on the Platform will be made available through your Account or sent to your registered email address.

8. Refund Policy

8.1 Refund Window:
Subject to the conditions set out in this Section, the Company offers a refund of the Course or Subscription fee if a refund request is submitted within 7 (seven) calendar days of the date of purchase ("Refund Window"), provided that the User has not accessed more than twenty percent (20%) of the total Course Content.

8.2 Non-Refundable Circumstances:
No refund shall be issued in any of the following circumstances:

• The refund request is submitted after the expiry of the 7-day Refund Window.
• The User has accessed more than twenty percent (20%) of the total Course Content, as determined by the Platform's activity logs.
• The purchase relates to a live batch, webinar, or scheduled interactive session that has already commenced.
• The User has previously availed of a refund for the same or a substantially similar Course or Subscription on the Platform.
• The refund request is based on the User's failure to meet the eligibility criteria for a professional examination (e.g., ICAI CA examination results).
• The Course or Content was purchased during a promotional offer, sale, or using a coupon or discount code, unless otherwise stated in the offer terms.

8.3 Refund Process:
To initiate a refund, the User must contact the Company's support team at support@intucate.com within the Refund Window, providing the Account details, order/transaction ID, and the reason for the request. The Company will review the request and notify the User of its decision within 7 (seven) business days.

8.4 Refund Mode:
Approved refunds will be processed to the original payment method used at the time of purchase. Refunds may take 7–10 business days to reflect in your account, depending on your bank or payment provider.

8.5 Subscription Cancellation:
Cancellation of a Subscription does not automatically entitle the User to a refund for the remaining subscription period. Access will continue until the end of the current billing cycle, after which it will not be renewed.

8.6 Consumer Rights:
Nothing in this Refund Policy shall limit or restrict any rights that Users may have under the Consumer Protection Act, 2019, or other applicable Indian consumer protection laws.

9. Intellectual Property Rights

9.1 Ownership:
The Platform and all Content thereon - including but not limited to video lectures, study materials, question banks, mock tests, software code, user interface designs, logos, trademarks, and other proprietary materials - are the exclusive property of Dharia Enterprises Private Limited or its licensors (including Instructors), and are protected under the Copyright Act, 1957, the Trade Marks Act, 1999, and all other applicable Indian and international intellectual property laws.

9.2 Restricted Use:
No Content on the Platform may be reproduced, republished, distributed, transmitted, broadcast, displayed, sold, licensed, adapted, or otherwise exploited for any commercial or non-personal purpose without the prior written consent of the Company. The Intucate name, logo, and related marks are registered or unregistered trademarks of Dharia Enterprises Private Limited and may not be used without express written authorisation.

9.3 User-Submitted Content:
Where Users submit any content to the Platform (including posts, comments, feedback, or queries on the community forum), they grant the Company a worldwide, royalty-free, non-exclusive, perpetual licence to use, host, display, and reproduce such content for the purposes of operating and improving the Platform. Users represent that they own or have the necessary rights to submit such content and that it does not infringe any third-party intellectual property rights.

9.4 Feedback:
Any feedback, suggestions, ideas, or recommendations provided by Users to the Company regarding the Platform or Services shall become the exclusive property of the Company, and Users hereby irrevocably assign all rights therein to the Company.

10. Restrictions on Use

10.1 You expressly agree that you shall NOT:

1. Copy, reproduce, download, record (screen or audio), screenshot, upload, republish, transmit, distribute, sell, rent, licence, or otherwise exploit any Content available on the Platform, whether in whole or in part, without the prior written consent of the Company.
2. Share, transfer, or allow access to your Account or login credentials with or to any other person for any reason whatsoever.
3. Use the Platform or any Content for any commercial purpose, including selling, sublicensing, or using Content for coaching, tutoring, or instruction of third parties.
4. Upload, post, transmit, or share on the Platform any material that is unlawful, obscene, defamatory, infringing, or violates any applicable law or regulation.
5. Circumvent, disable, or otherwise tamper with any digital rights management (DRM) technology, security feature, or access control mechanism employed on the Platform.
6. Use any automated tool, bot, scraper, spider, or other automated means to access, copy, or index any Content or data from the Platform.
7. Attempt to gain unauthorised access to any part of the Platform, its servers, databases, or other infrastructure, or attempt to probe, scan, or test the vulnerability of any system.
8. Introduce any virus, malware, Trojan horse, worm, or other harmful code into the Platform.
9. Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
10. Engage in any conduct that harasses, intimidates, bullies, or demeans other Users or Company personnel.
11. Use any third-party software or tool (including browser extensions, screen recorders, or download managers) to capture, save, or extract Content from the Platform.
12. Create derivative works from any Content without the express written permission of the Company.

10.2 Any breach may result in immediate termination and legal action under applicable Indian laws.Any breach of these Restrictions may result in immediate termination of your Account without refund and may expose you to civil and/or criminal liability under applicable Indian law, including but not limited to the Copyright Act, 1957, the Information Technology Act, 2000, and the Indian Penal Code.

11. Instructor Content Policy

11.1 Instructor Obligations: Instructors who are authorised to upload and publish Content on the Platform represent, warrant, and undertake that:

• All Content uploaded by them is original, or they hold valid licences or permissions to use all third-party materials incorporated therein.
• The Content does not infringe any third-party Intellectual Property Rights, including copyrights, trademarks, trade secrets, or patents.
• The Content complies with all applicable laws, including laws relating to obscenity, defamation, data protection, and professional standards applicable to Chartered Accountancy education.
• The Content is accurate, up-to-date, and does not contain any misleading information.
• They shall not upload Content that promotes or endorses any competing platform, coaching institute, or commercial service.

11.2 Licence Grant by Instructor: By uploading Content to the Platform, each Instructor grants the Company a non-exclusive, royalty-free (unless otherwise agreed in writing), worldwide licence to host, distribute, modify (for formatting and accessibility purposes), and make available such Content to Users through the Platform.

11.3 Content Removal: The Company reserves the right to remove, edit, or restrict any Instructor Content at any time, without prior notice, if it determines, in its sole discretion, that such Content violates these Terms, applicable law, or the Company's quality or compliance standards.

11.4 Liability of Instructors: Instructors shall indemnify and hold harmless the Company from and against any claims, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with any Content uploaded by them to the Platform.

12. Community Guidelines

12.1 The community discussion forum and comment sections of the Platform are provided to facilitate academic interaction and peer learning. All Users participating in these areas must adhere to the following guidelines:

• All posts and comments must be relevant to CA studies, the subjects covered on the Platform, or legitimate queries relating to the Services.
• Users must not post content that is offensive, abusive, hateful, sexually explicit, discriminatory, or defamatory towards any individual, community, or group.
• Spam, unsolicited commercial messages, promotional content, and referral links are strictly prohibited.
• Users must not share personal contact information (phone numbers, personal email addresses, social media handles) in public forum areas for commercial purposes.
• Impersonation of other Users, Instructors, ICAI officials, or Company representatives is strictly prohibited.
• Sharing of answers, solutions, or materials from paid Courses in the community forum in a manner that could substitute access to the paid Content is prohibited.

12.2 Moderation: The Company reserves the right to moderate, edit, remove, or disable any post or comment that it deems to be in violation of these Community Guidelines or applicable law, without prior notice and without liability.

12.3 Reporting: Users who encounter content they believe violates these guidelines may report it to the Company at support@intucate.com. The Company will review such reports and take appropriate action in its discretion.

13. Academic Integrity

13.1 Mock Tests and Assessments: The mock tests, practice papers, and assessment tools provided on the Platform are intended solely for individual learning and self-evaluation.
Users must not:

• Share, reproduce, or distribute test questions, answers, or solutions from any mock test or assessment available on the Platform.
• Engage any third party to complete, attempt, or assist with any Platform-based assessment on their behalf.
• Use any unauthorised aids, software, or tools (including calculators, external references, or AI tools, unless expressly permitted) during timed assessments.
• Attempt to access, reverse-engineer, or extract questions from the Platform's question database through any technical means.

13.2 Consequences of Violation: Violations of academic integrity standards may result in the immediate suspension or termination of the User's Account, disqualification from any assessment or award available on the Platform, and may be reported to ICAI or other relevant authorities at the Company's discretion.

13.3 No Guarantee of Examination Outcomes:
Results achieved in Platform-based mock tests and assessments do not guarantee corresponding performance in actual ICAI examinations. Mock test scores are indicative tools for self-assessment only.

14. Copyright Infringement and Takedown Policy

14.1 The Company respects the intellectual property rights of others and expects its Users and Instructors to do the same. The Company will respond to notices of alleged copyright infringement in accordance with the Copyright Act, 1957, and other applicable provisions of Indian law.

14.2 If you believe that any Content on the Platform infringes your copyright, please submit a written notice to the Company's designated Grievance Officer at support@intucate.com containing the following information:

• Identification of the copyrighted work that you claim has been infringed
• Identification of the Content on the Platform that you claim is infringing, including sufficient information for the Company to locate the Content (e.g., URL or description).
• Your contact information, including full name, postal address, telephone number, and email address.
• A statement that you have a good faith belief that the use of the Content in the manner complained of is not authorised by the copyright owner, its agent, or law.
• A statement that the information in the notice is accurate and, under penalty of perjury, that you are the copyright owner or authorised to act on behalf of the copyright owner.
• Your physical or electronic signature.

14.3 Upon receipt of a valid takedown notice, the Company will, at its discretion, remove or disable access to the allegedly infringing Content and notify the relevant Instructor or uploader. The Company reserves the right to reinstate Content where it determines the takedown notice to be invalid or in respect of which a valid counter-notice is received.

15. Privacy and Data Protection

15.1 The Company is committed to protecting the privacy and security of Users' Personal Data. The collection, use, storage, and processing of Personal Data on the Platform is governed by the Company's Privacy Policy, which is available at [PRIVACY POLICY URL] and is incorporated herein by reference.

15.2 The Company processes Personal Data in accordance with the Digital Personal Data Protection Act, 2023 ("DPDP Act"), the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPDI Rules"), and all other applicable Indian data protection laws and regulations.

15.3 Consent: By registering on the Platform and accepting these Terms, you expressly consent to the collection and processing of your Personal Data as described in the Privacy Policy.

15.4 Grievance Officer: The Company has appointed a Grievance Officer as required under the IT Act and DPDP Act. Details of the Grievance Officer are available on the Platform. Users may raise data-related grievances by contacting the Grievance Officer at support@intucate.com.

15.5 Data Retention: The Company retains Personal Data for the period necessary to fulfil the purposes for which it was collected, or as required by applicable law, whichever is longer.

16. Third-Party Services and Links

16.1 The Platform integrates certain third-party services to deliver, enhance, and support the Services. These include, without limitation:

• Payment Processing: Razorpay Payments Private Limited, for processing Course and Subscription payments.
• Cloud Hosting and Infrastructure: Cloud and server infrastructure providers used for hosting and delivering Platform Content.
• Analytics Tools: Analytics and usage tracking services used to understand Platform usage and improve Services.
• Video Streaming: Third-party content delivery networks (CDNs) for video lecture streaming.

16.2 The Platform may also contain links to third-party websites, resources, or services. Such links are provided for informational and convenience purposes only. The Company does not endorse, control, or assume any responsibility for the content, accuracy, terms, or privacy practices of any third-party website or service.

16.3 Your interactions with third-party services integrated into or linked from the Platform are governed by the respective terms of service and privacy policies of such third parties. The Company is not liable for any loss or damage arising from your use of third-party services.

17. Platform Availability and Maintenance

17.1 The Company endeavours to make the Platform available on an uninterrupted basis; however, it does not guarantee that the Platform will be available at all times or free from errors, defects, or interruptions. The Platform may be unavailable due to:

• Scheduled or emergency maintenance and technical upgrades.
• Server outages, hardware failures, or network disruptions.
• Disruptions to third-party services (including hosting providers, CDNs, or payment gateways).
• Force majeure events including acts of God, floods, earthquakes, pandemic, civil unrest, or actions of governmental authorities.

17.2 The Company shall use reasonable efforts to provide advance notice of scheduled maintenance, though this may not always be possible. The Company shall not be liable for any loss, damage, or inconvenience caused by the unavailability of the Platform.

17.3 The Company reserves the right to modify, suspend, or discontinue the Platform or any part thereof, temporarily or permanently, with or without notice, and shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

18. Disclaimer of Warranties

18.1 The platform and all services are provided on an "as is" and "as available" basis, without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, complteness, or uninterrupted availability.

18.2 Academic Outcomes Disclaimer. The Company makes no representation or warranty that:

• Use of the platform or any course or study material will result in the user's success in any ICAI examination or other professional assessment.
• The content is comprehensive, complete, or sufficient for examination preparation without supplementary study.
• Any particular score achieved on a platform mock test will correspond to performance in an actual ICAI examination.

18.3 The Company does not warrant that the Platform is free of viruses or other harmful components. Users are responsible for ensuring the security of their own systems.

18.4 Nothing in this Disclaimer of Warranties shall limit or exclude any liability that cannot be excluded under applicable Indian law.

19. Limitation of Liability

19.1 To the maximum extent permitted by applicable law, the Company, its directors, officers, employees, agents, licensors, and instructors shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with your use of or inability to use the platform or services, even if advised of the possibility of such damages.

19.2 In any event, the Company's total aggregate liability to any User for all claims arising out of or in connection with the Platform or these Terms shall not exceed the total amount paid by such User to the Company in the 3 (three) months immediately preceding the event giving rise to such claim.

19.3 The limitations set out in this Section shall apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and shall survive the termination or expiry of this Agreement.

19.4 This limitation of liability clause shall not apply to the extent that applicable Indian law prohibits exclusion or limitation of liability for death or personal injury caused by negligence, or fraud or fraudulent misrepresentation, or any other type of liability that cannot be excluded or limited under applicable law.

20. Indemnification

20.1 You agree to defend, indemnify, and hold harmless Dharia Enterprises Private Limited, its directors, officers, employees, agents, Instructors, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of or access to the Platform or Services in violation of these Terms.
• Your violation of any applicable law, regulation, or third-party right, including any Intellectual Property Rights or privacy rights.
• Any Content or material you upload, submit, or transmit through the Platform.
• Your breach of any representation, warranty, or obligation under these Terms.
• Any unauthorised sharing, distribution, or reproduction of Content accessed through your Account.

20.2 The Company reserves the right, at your expense, to assume exclusive defence and control of any matter subject to indemnification by you. You agree to cooperate with the Company's defence of such claims.

21. Suspension and Termination

21.1 Termination by User. You may terminate your Account at any time by submitting a written request to [EMAIL]. Termination by you does not automatically entitle you to a refund unless you are within the Refund Window specified in Section 8.

21.2 Termination by Company: The Company may suspend, restrict, or terminate your Account and access to the Platform, with or without prior notice, in the following circumstances:

• Breach or suspected breach of these Terms or the Community Guidelines.
• Non-payment of applicable fees.
• Fraudulent, illegal, or abusive activity on the Platform.
• If required to do so by applicable law, court order, or directive from a regulatory authority.
• Upon the Company's decision to cease offering the Platform or certain Services.

21.3 Effect of Termination: Upon termination of your Account, your licence to access Content shall immediately cease. The Company shall have no obligation to retain or provide copies of Content or data associated with your Account after termination. Sections 9, 10, 14, 15, 18, 19, 20, 23, and 24 shall survive termination of these Terms.

22. Changes to These Terms and Conditions

22.1The Company reserves the right to amend, modify, or update these Terms and Conditions at any time at its sole discretion. Any material changes will be communicated to Users via: (a) email notification to the registered email address; (b) a prominent notice on the Platform; or (c) both, as determined by the Company.

22.2 The updated Terms will be effective as of the date specified in the notice or, if no date is specified, upon posting on the Platform. Your continued use of the Platform following the effective date of any amendment shall constitute your acceptance of the revised Terms. If you do not agree with the revised Terms, you must cease using the Platform immediately.

22.3 It is your responsibility to review these Terms periodically. The Company encourages Users to review the Terms each time they access the Platform.

23. Governing Law and Jurisdiction

23.1 These Terms and Conditions and all matters arising out of or relating to them (including any non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of India, without regard to its conflict-of-law principles.

23.2 Subject to the Dispute Resolution provisions in Section 24, the courts of Mumbai, India, shall have exclusive jurisdiction to adjudicate any disputes arising out of or in connection with these Terms, and all parties hereby submit to the personal jurisdiction of such courts.

24. Dispute Resolution

24.1 Informal Resolution: In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Platform, the parties shall first attempt to resolve the matter amicably through good-faith negotiation. The aggrieved party shall notify the other party in writing, setting out the nature of the dispute and the relief sought. The parties shall have 30 (thirty) days from the date of such notice to resolve the dispute informally.

24.2 Arbitration: If the dispute is not resolved through informal negotiation within the period specified in Clause 24.1, either party may refer the dispute to binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be conducted by a sole arbitrator mutually agreed upon by the parties, or, failing agreement, appointed in accordance with the said Act. The seat and venue of arbitration shall be Mumbai, India. The language of arbitration shall be English.

24.3 Jurisdiction: Notwithstanding the above, the Company reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction for matters involving intellectual property infringement, unauthorized access to the Platform, or any other irreparable harm.

24.4 Consumer Forum:
Nothing in this Section shall prevent a User from approaching the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, where applicable.

25. Contact Information and Grievance Officer

For any queries, concerns, feedback, or grievances relating to these Terms and Conditions or the Platform, please contact us at:

Dharia Enterprises Private Limited
Brand Name: Intucate
Registered Address: 901, Narayan Apartments, Main Avenue Road, Santacruz (West), Mumbai, Maharashtra - 400054
Email: support@intucate.com
Website: www.intucate.com

Grievance Officer:
Name: Priti Dharia
Email: support@intucate.com
Response Time: The Company will acknowledge your grievance within 24 hours and resolve it within 30 (thirty) days of receipt.

26. Effective Date

These Terms and Conditions are effective as of April 2026 and supersede all prior agreements between you and the Company.