Welcome to the official website of CICA (Commerce Coaching Institute of Kota, Rajasthan), accessible at www.cica.in (“Website”). By accessing or using our Website, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, please do not use our Website.

1. Acceptance of Terms

By using our Website, you signify your acceptance of these Terms and our Privacy Policy. If you do not agree to these Terms, please refrain from using our services.

2. Use of the Website

a. Eligibility:
You must be at least 18 years old to use our Website and services. By using the Website, you represent that you meet this age requirement.

b. Account Registration:
To access certain features of our Website, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

c. User Responsibilities:
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3. Services Offered

CICA provides commerce coaching services, including online courses, study materials, and other educational resources. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

4. Payment and Fees

a. Payment Methods:
We accept payments through various methods, including the PhonePe payment gateway. By using PhonePe, you agree to comply with their terms and conditions, available at PhonePe’s Terms and Conditions.

b. Payment Information:
When you make a payment through PhonePe, you will be redirected to their platform to complete the transaction. We do not store your payment card information or banking details. All transactions are processed through secure, encrypted channels provided by PhonePe.

c. Fees:
All fees for our courses and services are listed on our Website and are subject to change at our discretion. You agree to pay all fees and charges associated with your account on time.

5. Refund Policy

a. Eligibility:
Refunds for our services are subject to our refund policy. To be eligible for a refund, you must request it within 15 days of purchase and provide a valid reason. The refunded amount will reflect in your bank account within 15 days.

b. Process:
To request a refund, please contact our customer support at [insert email]. We will review your request and notify you of our decision within [insert number] days.

c. Exceptions:
Certain services or products may be non-refundable. Please refer to the specific terms of each service or product for more information.

6. Intellectual Property

a. Ownership:
All content, materials, and intellectual property on our Website, including text, graphics, logos, images, videos, and software, are the property of CICA or its licensors and are protected by applicable intellectual property laws.

b. License:
We grant you a limited, non-exclusive, non-transferable license to access and use the content on our Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works of any content without our express written consent.

7. Prohibited Conduct

By using our Website, you agree not to:

Engage in any unlawful or fraudulent activity
Violate any applicable laws or regulations
Infringe upon our intellectual property rights or the rights of others
Use our Website for any commercial purposes without our prior written consent
Upload or transmit any viruses, malware, or harmful code
Interfere with or disrupt the operation of our Website or servers

8. Disclaimer of Warranties

Our Website and services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the operation or availability of our Website or the information, content, materials, or products included on our Website.

9. Limitation of Liability

To the fullest extent permitted by law, CICA and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses, resulting from your use of or inability to use our Website or services.

10. Indemnification

You agree to indemnify, defend, and hold harmless CICA and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney’s fees, arising out of or in any way connected with your access to or use of our Website or services, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party.

11. Changes to Terms

We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our Website after any such changes constitutes your acceptance of the new Terms.

12. Governing Law

These Terms and your use of our Website shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Kota, Rajasthan.