Terms & Conditions

1. Acceptance of Terms

By accessing or using the Isbaar platform (the “Service”), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you may not access the Service.

2. Use of the Service

You agree to use Isbaar only for lawful purposes and in accordance with these Terms. You agree not to:

• Copy, distribute, or reproduce any content from the platform without explicit written permission.
• Share your account credentials with others or allow others to use your account.
• Use automated scripts or bots to access, scrape, or test the platform.
• Attempt to gain unauthorised access to any part of the platform or its servers.
• Submit false information during registration or when using the Service.

3. Account Registration

You must register for an account to access most features. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at [email protected] of any unauthorised use of your account.

4. Subscriptions & Plans

• Paid subscriptions (Pro and Elite) are billed monthly or annually as selected during purchase.
• Subscriptions auto-renew unless cancelled before the renewal date. Cancellation can be done from your account settings at any time.
• We offer a 7-day refund policy for first-time subscribers who are not satisfied with the Service.
• Prices are in Indian Rupees (INR) and inclusive of applicable taxes.

5. Payment Gateway & Transaction Security

Isbaar uses Cashfree Payments (India's leading payment gateway, PCI-DSS Level 1 certified) as our payment gateway provider for processing all online transactions. By making a payment on our platform, you acknowledge and agree to the following terms governing the use of our payment gateway services:

5.1 Payment Methods & Processing

• Accepted Methods: We accept payments via UPI (GPay, PhonePe, Paytm, BHIM), Credit Cards, Debit Cards, Net Banking (all major Indian banks), and Digital Wallets through Cashfree's secure payment infrastructure.
• Transaction Currency: All prices, charges, and payments are denominated and settled in Indian Rupees (₹ INR). International card payments may incur additional currency conversion charges imposed by your card issuer or bank.
• Transaction Limits: Certain payment methods may have daily or per-transaction limits imposed by your bank or payment provider. Isbaar and Cashfree are not responsible for such bank-level restrictions.

5.2 Data Security & Privacy

• PCI-DSS Compliance: Cashfree is PCI-DSS Level 1 certified, the highest level of payment security. All card data is encrypted and transmitted directly to Cashfree's secure servers. Isbaar does not store, process, or have access to your complete payment card numbers, CVV, or UPI PIN.
• Data Processing: Your personal and payment data is processed in accordance with Cashfree's Privacy Policy and our own Privacy Policy. We only retain transaction metadata (order ID, amount, timestamp, payment method type) for record-keeping and dispute resolution purposes.
• 3D Secure: All card transactions are authenticated via 3D Secure (Verified by Visa, Mastercard SecureCode, RuPay OTP) for added security.

5.3 Transaction Verification & Confirmation

• Real-Time Verification: All transactions are verified through Cashfree's secure webhooks with HMAC SHA-256 digital signature verification to prevent tampering or fraud.
• Confirmation: You will receive an on-platform notification and an email confirmation at your registered email address once a transaction is successfully completed. A unique transaction ID is provided for reference.
• Payment Receipts: Transaction receipts are available in your dashboard under Wallet → Transactions. You may download or print these receipts for your records.

5.4 Failed Payments, Chargebacks & Refunds

• Failed Payments: If a payment fails, no amount will be deducted from your account. In the rare event that an amount is debited but the transaction is not confirmed, the amount will be auto-refunded by your bank or payment provider within 5-7 business days. Contact [email protected] if the refund is not received within 10 business days.
• Chargebacks: In the event of a chargeback initiated by you or your bank, Isbaar reserves the right to suspend your account and recover the disputed amount plus any associated fees (currently ₹500 per chargeback event). Chargebacks are governed by Cashfree's Chargeback Policy and the rules of the card networks / payment schemes.
• Refund Processing: Eligible refunds are processed back to the original payment method within 7-10 business days after approval. Wallet credits (for wallet recharges) are non-refundable once credited to the wallet, except as required by applicable law. Test series purchases, once accessed or attempted, are non-refundable.
• Settlement: Funds from successful transactions are settled by Cashfree to Isbaar's registered bank account as per Cashfree's standard settlement cycle (typically T+1 or T+2 days). Any delay in settlement beyond this period is governed by Cashfree's terms and Isbaar shall not be liable for such delays.

5.5 Wallet Recharge Policy

• Instant Credit (Online): Wallet recharges made via Cashfree (UPI, Card, Net Banking) are credited instantly upon successful payment confirmation.
• Manual Credit (24hrs): Manual UPI payments submitted with a screenshot and transaction reference are processed within 24 hours after admin verification. Isbaar reserves the right to reject manual requests if the screenshot or transaction details are unclear or invalid.
• Wallet Balance: Wallet balances are non-transferable and non-withdrawable. They can only be used for purchases on the Isbaar platform.
• Minimum Recharge: The minimum wallet recharge amount is ₹10. Maximum per-transaction limit is governed by your bank and Cashfree's policies.

5.6 User Responsibilities & Prohibited Activities

• You agree not to use stolen, fraudulent, or unauthorised payment instruments. Any such activity will result in immediate account suspension and may be reported to law enforcement authorities.
• You are responsible for maintaining the confidentiality of your account and payment credentials. Isbaar is not liable for any unauthorised transactions resulting from compromised account credentials.
• You agree not to attempt to reverse-engineer, tamper with, or manipulate the payment verification process, including but not limited to webhook requests, callback URLs, or transaction status APIs.
• Multiple failed payment attempts may result in temporary suspension of payment processing for your account as a fraud prevention measure.

5.7 Third-Party Terms & Policies

• By using Cashfree's payment services, you also agree to Cashfree's Terms & Conditions, Privacy Policy, and Refund Policy. These policies are incorporated by reference into these Terms & Conditions.
• Any disputes between you and Cashfree regarding payment processing are subject to Cashfree's own dispute resolution process. Isbaar will assist in facilitating communication but is not responsible for Cashfree's operational decisions.

5.8 Dispute Resolution & Support

• Payment Disputes: For any payment-related disputes, chargebacks, or issues, contact our support team at [email protected] with your transaction details (order ID, amount, date). We aim to resolve all payment issues within 48 hours of receiving complete information.
• Escalation: If a dispute is not resolved to your satisfaction, it may be escalated as per the Governing Law clause of these Terms. Any payment-related legal claims are subject to the exclusive jurisdiction of the courts of Bhopal, Madhya Pradesh.
• Liability: Isbaar's maximum liability for any payment-related claim shall not exceed the amount of the transaction in question. Under no circumstances shall Isbaar be liable for consequential, incidental, or indirect damages arising from payment processing failures or delays.

6. Intellectual Property

All content on Isbaar — including but not limited to questions, solutions, explanations, images, and software — is the exclusive intellectual property of Isbaar Technologies Pvt. Ltd. and is protected by copyright law. Unauthorised reproduction, distribution, or commercial use of any content is strictly prohibited.

7. Disclaimer of Warranties

Isbaar is provided “as is” without warranties of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or that results obtained from using the Service (such as exam scores) will be accurate or reliable.

8. Limitation of Liability

To the maximum extent permitted by law, Isbaar Technologies Pvt. Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, the Service.

9. Termination

We reserve the right to suspend or terminate your account at our discretion if we determine that you have violated these Terms & Conditions or engaged in conduct that harms other users or the platform.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Bhopal, Madhya Pradesh.

11. Contact

For questions about these Terms, please contact us at: [email protected]