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Terms and Conditions

Effective Date: 10th July, 2026

Last Updated: 24th September, 2026

Welcome to Samjho Civils. These Terms & Conditions ("Terms", "Terms & Conditions" or "Agreement") govern your access to and use of the Samjho Civils website, mobile applications, learning platforms, courses, test series, mentorship programmes, study materials, digital products, counselling services and other products or services offered by Samjho Civils ("Samjho Civils", "we", "us", "our" or "the Company"). For the purposes of these Terms, "Platform" includes the Samjho Civils website, mobile application, learning management system, student portal, communication channels and any other digital platform through which our services are made available. By accessing the Platform, creating an account, enrolling in any programme, making a payment or otherwise using our services, you acknowledge that you have read, understood and agreed to these Terms. If you do not agree with these Terms, please do not use the Platform or purchase any product or service from us.

1. About Samjho Civils

Samjho Civils is an education and learning platform providing academic courses, examination preparation, mentorship, test series, study materials, counselling and related educational services. Our programmes may relate to, among other things:

UPSC Civil Services Examination;
State Public Service Commission examinations;
CSAT;
General Studies;
Optional subjects;
Test series and answer-writing programmes;
Mentorship and personalised guidance;
Current affairs and study resources;
Career guidance;
Programmes for students after Class 12;
Competitive examinations and professional entrance examinations; and
Other educational or career-oriented programmes introduced from time to time.

The availability, duration, faculty, features and inclusions of each programme may differ and shall be governed by the description displayed at the time of enrolment.

2. Eligibility

You must provide accurate information while creating an account or purchasing a programme. If you are below the age of 18 years, you confirm that you are using the Platform with the consent and involvement of your parent or legal guardian. Where required by applicable law, transactions involving minors must be completed by or with the consent of their parent or legal guardian.

3. Account Registration

Certain features of the Platform may require registration. You agree to: 1. provide accurate and complete information; 2. keep your login credentials confidential; 3. immediately notify us of any unauthorised use of your account; 4. not permit another person to use your account; 5. not sell, transfer, rent or otherwise share your account; and 6. be responsible for activity carried out through your account.

One Account — One Learner A course enrolment is personal to the registered learner. Sharing login credentials, allowing another person to access a purchased course, selling access, using screen-sharing arrangements, or otherwise enabling unauthorised persons to access paid content is strictly prohibited. We may use reasonable technical and administrative measures to detect account sharing, multiple-location access, unusual login behaviour or other forms of misuse. Where account misuse is established or reasonably suspected, we may suspend or terminate access in accordance with these Terms.

Unless otherwise required by law or expressly approved by Samjho Civils, such termination will not create an entitlement to a refund.

4. Course Enrolment

When you purchase a course or programme, you receive a limited, personal, non-exclusive, non-transferable and revocable licence to access and use the course solely for your personal educational purposes. You do not acquire ownership of:

lectures;
videos;
PDFs;
notes;
question banks;
test papers;
answer keys;
recordings;
presentations;
graphics;
photographs;
logos;
trademarks;
software;
databases;
course structures; or
any other intellectual property belonging to Samjho Civils.

The course validity, commencement date, access period, mode of delivery and features will be communicated on the relevant course page or enrolment communication.

5. Course Access

Course access shall be subject to the validity period specified for the particular programme. Unless expressly stated otherwise:

access does not continue indefinitely;
expiry of course validity shall result in termination of access;
extension of access is not automatic;
access may be dependent upon maintaining an active account; and
access may be suspended for violation of these Terms.

Where a course contains live classes, recorded classes, tests, mentorship or other components, the availability and schedule of each component shall be determined by the course structure. Samjho Civils reserves the right to reasonably modify:

class schedules;
faculty allocation;
teaching methodology;
sequence of modules;
course content;
test schedules;
platform features; and
delivery mechanisms,

provided that such changes do not materially deprive the learner of the core service purchased.

6. Live Classes and Recordings

Where a programme includes live classes, the schedule displayed at enrolment or subsequently communicated by Samjho Civils shall apply. Live classes may be recorded for educational and quality-control purposes. Where recordings are included in a programme, they may be made available within a reasonable period after the relevant session. Technical delays, temporary outages, faculty unavailability or other circumstances beyond our reasonable control may occasionally affect the schedule. We will make reasonable efforts to provide alternative arrangements wherever practicable.

7. Study Material and Digital Content

All study material provided through the Platform is intended solely for the personal educational use of the enrolled learner. You must not:

reproduce our content commercially;
upload our material to Telegram, WhatsApp, Google Drive or similar platforms;
sell or distribute our PDFs or recordings;
share course credentials;
record live classes without permission;
commercially exploit our content;
reproduce substantial portions of our course material;
create competing educational products using our proprietary material; or
remove copyright, watermark or ownership notices.

Unauthorised distribution may result in suspension or termination of access and may also lead to civil or criminal action where applicable.

8. Intellectual Property

Unless otherwise stated, all content appearing on the Platform is owned by, licensed to, or otherwise lawfully used by Samjho Civils. This includes:

trademarks;
logos;
course names;
videos;
lectures;
written material;
graphics;
photographs;
designs;
software;
databases;
question banks;
test papers;
answer keys;
course structures;
website design;
original educational frameworks; and
other proprietary material.

No provision of these Terms transfers ownership of any intellectual property to you.

9. User-generated Content

Certain programmes may permit students to submit:

answers;
essays;
questions;
feedback;
comments;
testimonials;
photographs;
videos; or
other material.

You remain responsible for the content you submit. You must not submit material that:

infringes another person's rights;
contains unlawful or defamatory material;
violates privacy;
contains malicious software;
impersonates another person;
contains obscene or abusive content; or
violates applicable law.

By submitting feedback or voluntarily providing testimonials, you grant Samjho Civils a non-exclusive right to use such feedback for service improvement and, where separately permitted, promotional purposes.

10. Educational Disclaimer

Samjho Civils provides educational guidance, preparation material and mentorship. We do not guarantee:

selection in UPSC or any other examination;
a particular rank;
marks or scores;
interview selection;
admission to any institution;
employment;
promotion;
scholarship;
visa approval;
financial outcome; or
any particular career outcome.

Examination results depend upon numerous factors, including the learner's preparation, performance, examination difficulty, competition, evaluation and decisions of the relevant examination authority. Testimonials, ranks and success stories represent individual experiences and should not be interpreted as guarantees of future results.

11. Information and Content Accuracy

We endeavour to provide accurate and current educational information. However, examination rules, syllabi, dates, government policies, notifications and other external information may change. Samjho Civils shall not be responsible for decisions taken solely on the basis of outdated or subsequently changed information. Learners should independently verify official notifications issued by the relevant examination authority.

12. Fees and Payment

All fees shall be displayed in Indian Rupees unless otherwise specified. Applicable taxes, where required by law, may be included in or added to the displayed price. Payments may be processed through third-party payment gateways. By making a payment, you agree to comply with the applicable terms of the relevant payment provider. A transaction shall be considered successful only after payment confirmation is received by Samjho Civils or the relevant payment gateway. In case of payment failure, duplicate debit, failed transaction or payment-related discrepancy, the learner should contact our support team with the relevant transaction details.

13. Offers, Discounts and Promotions

Promotional offers may have specific eligibility criteria, validity periods and terms. Unless specifically stated:

offers cannot be combined;
promotional prices are not retrospectively applicable;
discounts cannot be exchanged for cash;
promotional benefits are non-transferable; and
Samjho Civils may withdraw or modify an offer after its stated validity period.

Any special conditions displayed alongside an offer shall prevail over general promotional terms.

14. Refunds and Cancellations

Refunds and cancellations shall be governed by the Samjho Civils Refund & Cancellation Policy, which forms an integral part of these Terms. Learners are advised to read the Refund Policy carefully before purchasing any course. Where a particular course page specifies special refund or cancellation conditions, those conditions shall apply to that programme to the extent permitted by law. Nothing in this section is intended to restrict any non-waivable rights available to consumers under applicable law.

15. Platform Availability

We endeavour to keep the Platform available and functional. However, uninterrupted availability cannot be guaranteed. Temporary disruption may occur because of:

maintenance;
software updates;
server failures;
internet outages;
cyber incidents;
third-party service failures;
telecommunications problems;
governmental restrictions;
force majeure; or
circumstances beyond our reasonable control.

We will make reasonable efforts to restore affected services.

16. Third-party Services

The Platform may use third-party providers for:

payment processing;
cloud hosting;
video delivery;
communication;
analytics;
authentication;
customer support;
email;
messaging; and
other technical services.

Third-party services may have their own terms and privacy policies. Samjho Civils is not responsible for independent acts or omissions of third-party service providers outside our reasonable control.

17. Prohibited Activities

You must not:

misuse the Platform;
attempt to gain unauthorised access;
interfere with Platform security;
reverse engineer the Platform;
scrape or systematically copy content;
distribute malware;
impersonate another person;
use automated systems to access restricted portions of the Platform;
bypass access controls;
share paid content publicly;
resell access;
engage in fraudulent transactions; or
use the Platform for any unlawful purpose.

18. Suspension and Termination

Samjho Civils may suspend or terminate access where we reasonably believe that a user:

has violated these Terms;
has engaged in fraudulent activity;
has shared account credentials;
has distributed copyrighted material;
has attempted to compromise Platform security;
has made unauthorised commercial use of our content; or
has otherwise misused the Platform.

Termination shall be without prejudice to rights and remedies available to Samjho Civils under applicable law.

19. Limitation of Liability

To the maximum extent permitted by applicable law, Samjho Civils shall not be liable for indirect, incidental, consequential, special or punitive damages arising from use of the Platform. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

20. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Samjho Civils, its directors, employees, faculty, mentors, contractors and representatives from claims, losses, liabilities and expenses arising from:

your violation of these Terms;
misuse of the Platform;
infringement of third-party rights;
unauthorised distribution of our content; or
unlawful activities undertaken through your account.

21. Privacy

Our collection and use of personal information is governed by the Samjho Civils Privacy Policy. By using our services, you acknowledge that your personal information may be processed in accordance with that Privacy Policy and applicable law.

22. Changes to These Terms

Samjho Civils may modify these Terms from time to time. Updated Terms will be published on the Platform with a revised "Last Updated" date. Where required by law, material changes will be communicated through appropriate means. Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the revised Terms, subject to applicable law.

23. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India. Subject to applicable consumer protection laws and mandatory jurisdictional provisions, courts having competent jurisdiction at Lucknow, Uttar Pradesh shall have jurisdiction over disputes arising from these Terms.

24. Grievance Redressal

For questions, complaints or concerns regarding the Platform, courses, payments, privacy or these Terms, you may contact: Samjho Civils Email: [official support email] Phone/WhatsApp: [official number] Registered Office: [registered office address] Where required by applicable law, details of the designated Grievance Officer shall be displayed on the Platform.

25. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to remain in effect to the extent permitted by law.

26. Entire Agreement

These Terms, together with the Privacy Policy, Refund & Cancellation Policy and any programme-specific terms displayed at the time of purchase, constitute the agreement governing your use of Samjho Civils services.

By using Samjho Civils or purchasing a programme, you acknowledge that you have read and accepted these Terms & Conditions.