1. Services Provided

Biswaz Growth Academy offers digital learning materials, study resources, quizzes, and skill development programs for students. Services may be delivered through our website, mobile platforms, or other digital channels.

2. Subscription Plans

• Monthly Plan: ₹49 per month
• Yearly Plan: ₹499 per year

By subscribing, you gain access to all premium study materials, quizzes, and resources during the subscription period.

3. Payment & Renewal

• Payments must be made in advance using available payment options (UPI, cards, net banking, wallets, etc.).
• Subscriptions are auto-renewable unless cancelled before the renewal date.
• We do not store sensitive payment details; payments are processed securely through trusted third-party providers.

4. Refund Policy

• Fees once paid are non-refundable except in cases of duplicate payment or technical error.
• Refunds (if applicable) will be Credited to the original payment method within 7–10 working days.

5. User Responsibilities

By using our services, you agree to:

• Provide accurate registration details.
• Keep your login credentials secure and not share your account.
• Use our content only for personal learning and not for redistribution or resale.
• Avoid any misuse, hacking, or unauthorized access to our systems.

6. Intellectual Property

All study materials, content, designs, and resources provided by Biswaz Growth Academy are our intellectual property. Users may access and use them for personal learning purposes only. Unauthorized reproduction, sharing, or commercial use is prohibited.

7. Limitation of Liability

While we strive to provide accurate and helpful educational content, Biswaz Growth Academy is not responsible for:

• Exam results, job outcomes, or academic performance.
• Technical disruptions, delays, or errors caused by third-party services.
• Any damages resulting from misuse of our platform.

8. Account Suspension & Termination

We reserve the right to suspend or terminate accounts if users:

• Violate these Terms,
• Engage in fraudulent activity, or
• Misuse our services.

No refunds will be issued for accounts terminated due to violation of our policies.

9. Changes to Terms

We may update these Terms from time to time. Continued use of our services after updates means you accept the revised Terms.

10. Governing Law

These Terms shall be governed by the laws of India. Any disputes will be subject to the jurisdiction of courts in West Bengal.