Terms of Service

• Cooling-off: you may cancel a paid service within 7 days of payment, provided we have not yet begun substantive work, for a full refund less any transaction charges.
• Non-refundable: fees already paid by us to third parties on your behalf, and any application or institutional fees, are non-refundable.
• No refund for outcome: since we do not guarantee admission (section 6), a refund is not available merely because an admission did not materialise, provided we have delivered the agreed services.
• Mentorship: sessions cancelled with at least 24 hours’ notice may be rescheduled at no cost. Sessions missed without notice may be treated as delivered.
• Approved refunds will be processed within 7–14 working days to the original payment method.

Nothing in this section limits your rights under the Consumer Protection Act, 2019.

11. Mentorship services

Mentors are typically current or recent students engaged by us. They provide guidance, encouragement and study support based on their own experience. Mentorship is not tutoring, coaching, psychological counselling, therapy or medical advice.

If you are experiencing significant distress, please speak to a qualified mental health professional, a trusted adult, or a helpline. Our mentors are not trained for that, and we will always encourage you to seek proper help.

We may replace a mentor where necessary. Sessions may be recorded only with prior notice and consent.

12. Your responsibilities

• Declare your age truthfully and, if you are under 18, involve your parent or guardian as required by section 3.
• Give us accurate, complete and up-to-date information. Our guidance is only as good as the information you give us, and false information may lead to a wrong recommendation or a rejected application.
• Verify all official information, including eligibility, deadlines, fees and documents, with the institution or authority concerned.
• Make your own final decisions about where to apply and what to accept. You, and your parent or guardian, are responsible for that choice.
• Pay institutional fees only to the institution, against official receipts.
• Keep your own copies of all documents, receipts and correspondence.

13. Prohibited conduct

You agree not to:

• use our services for any unlawful purpose, or to facilitate any unlawful payment or admission;
• submit forged, fabricated or misleading documents or information;
• impersonate any person, or misrepresent your affiliation with any person or entity;
• copy, scrape, republish or commercially exploit our content or data without our written permission;
• interfere with, probe or attempt to gain unauthorised access to our systems;
• harass, abuse or threaten our team, our mentors, our partners or other users;
• post or transmit anything unlawful, defamatory, obscene, or infringing another’s rights.

14. Content and intellectual property

All content on our website and in our materials, including text, guides, comparisons, graphics, illustrations, our mascot, logos, the name “Examrat”, our tagline, and the design of the site, is owned by or licensed to Examrat Learning Private Limited and is protected under the Copyright Act, 1957 and the Trade Marks Act, 1999.

You may view and download our free resources for your own personal, non-commercial use. You may not reproduce, distribute, modify, resell or create derivative works from our content without our prior written permission.

15. Content you submit

If you send us testimonials, reviews, questions, photographs or other content, you confirm that it is yours to share and does not infringe anyone’s rights, and you grant us a non-exclusive, royalty-free, worldwide licence to use it in connection with our services and marketing. We will ask you separately before using your name, photograph or admission story publicly, and you may withdraw that permission at any time.

16. Third-party sites and information

Our site links to third-party websites and cites third-party data, including from official authorities, colleges, and public discussions. We provide these for convenience and information. We do not endorse them, do not control them, and are not responsible for their content, accuracy or availability.

17. Privacy

Our handling of your personal data is governed by our Privacy Policy, which forms part of these Terms. Please read it, particularly the sections on how we ask for consent, on students under 18, and on sharing data with our consultant partners. We ask for your consent through a separate consent notice, and you can review or withdraw your consent at any time through the “Manage consent” link on our website. 

18. Disclaimer of warranties

Our services and content are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including as to accuracy, completeness, fitness for a particular purpose, and uninterrupted or error-free operation.

Information about exams, seats, cut-offs and fees changes frequently and may become outdated. We make reasonable efforts to keep it accurate but do not warrant that it is.

19. Limitation of liability

To the maximum extent permitted by applicable law:

• we are not liable for any indirect, incidental, special, punitive or consequential loss, including loss of an academic year, loss of a seat, loss of opportunity, or loss of profits or reputation;
• our total aggregate liability to you for all claims arising out of or in connection with our services shall not exceed the total fees actually paid by you to Examrat in the 14 days preceding the event giving rise to the claim;
• we are not liable for the acts or omissions of institutions, examination authorities, consultant partners, mentors or payment gateways.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Indian law, including for fraud or for death or personal injury caused by negligence.

20. Indemnity

You agree to indemnify and hold harmless Examrat, its directors, employees and mentors from any claim, loss, liability or expense (including reasonable legal fees) arising out of your breach of these Terms, your violation of any law, or any false or misleading information you provide.

21. Suspension and termination

We may suspend or terminate your access to our services, with or without notice, if you breach these Terms, provide false information, behave abusively, or ask us to do something unlawful. You may stop using our services at any time; termination does not affect fees already due for services delivered, or any rights and obligations that by their nature survive.

22. Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, epidemics, war, civil unrest, strikes, changes in law or government policy, failures of telecommunications or internet infrastructure, or changes to examination or counselling schedules by any authority.

23. Governing law and disputes

These Terms are governed by and construed in accordance with the laws of India.

Let’s talk first. If a dispute arises, please raise it with our Grievance Officer (section 24). We will genuinely try to resolve it within 30 days.

If it cannot be resolved, the dispute shall be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Bengaluru, Karnataka, and the language shall be English. Subject to the above, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction.

Nothing here prevents a consumer from approaching the appropriate consumer forum under the Consumer Protection Act, 2019.

24. Grievance officer