Welcome to CREOWIZ!

We value your trust

In order to honor that trust, M/s CreoWiz Learning Pvt Ltd adheres to ethical standards in gathering, using, and safeguarding any information you provide. CreoWiz Learning (operating under the brand name BIITS), is a leading IT company, incorporated in India, for imparting learning. This privacy policy governs your use of the application ‘CREOWIZ – The Learning App’ (‘Application’), www.creowiz.com (‘Website’) and the other associated applications, products, websites, and services managed by the Company.

Please read this privacy policy (‘Policy’) carefully before using the Application, Website, our services and products, along with the Terms of Use (‘ToU’) provided on the Application and the Website. Your use of the Website, Application, or services in connection with the Application, Website or products (‘Services’), or registrations with us through any modes or usage of any products including through SD cards, tablets or other storage/transmitting devices shall signify your acceptance of this Policy and your agreement to be legally bound by the same. If you do not agree with the terms of this Policy, do not use the Website, Application, our products or avail any of our Services.

User-Provided Information

The Application / Website / Services / products obtain the information you provide when you download and register for the Application or Services or products. When you register with us, you generally provide:

your name, age, email address, location, phone number, password, and your ward’s educational interests;
transaction-related information, such as when you make purchases, respond to any offers, or download or use applications from us;
information you provide us when you contact us for help;
information you enter into our system when using the Application / Services / products, such as while asking doubts, participating in discussions, and taking tests.

The said information collected from the users could be categorized as “Personal Information,” “Sensitive Personal Information,” and “Associated Information.” Personal Information, Sensitive Personal Information, and Associated Information (each as individually defined under this Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 (the “Data Protection Rules”)) shall collectively be referred to as ‘Information’ in this Policy.

We may use the Information to contact you from time to time, to provide you with the Services, important information, required notices, and marketing promotions. We will ask you when we need more information that personally identifies you (personal information) or allows us to contact you. We will not differentiate between who is using the device to access the Application, Website, or Services or products, so long as the login/access credentials match with yours.

In order to make the best use of the Application /Website /Services / products and enable your Information to be captured accurately on the Application / Website / Services / products, it is essential that you have logged in using your own credentials. We will, at all times, provide the option to you to not provide the Personal Information or Sensitive Personal Information, which we seek from you. Further, you shall, at any time while using the Application/ Services / products, also have the option to withdraw your consent given earlier to us to use such Personal Information or Sensitive Personal Information. Such withdrawal of the consent is required to be sent in writing to us at the contact details provided in this Policy below. In such an event, however, the Company fully reserves the right not to allow further usage of the Application or provide any Services / products thereunder to you.

At CreoWiz, we understand that your privacy is an important part of the trust you place in us.

This Notice explains how we collect, use, disclose and otherwise process personal information in connection with our services. We encourage you to read this privacy notice in its entirety. If you have any questions, you may reach out to the CreoWiz Privacy team at info@creowiz.com.

Who We Are

CreoWiz: CreoWiz Learning is a leading integrated technology solutions provider primarily serving business and governmental entities. CreoWiz is headquartered in Bengaluru, India, with operations all over India and other locations around the world. When we use the terms “CREOWIZ,” “we,” “us,” or “our” in this Notice, we are referring to CreoWiz Learning and its subsidiaries and affiliated companies worldwide.

What Is Covered by This Notice

Our Services: When we use the term “services,” we refer to all the services we offer on our own behalf, including our product offerings and the websites and mobile applications that post or link to this Notice. We are not referring to services that we provide solely on behalf of a third party, such as outsourced IT services we may provide to another company. Please refer to the privacy notice of the third party with which you have a relationship for information on how they engage service providers, like us, to process personal information on their behalf.

Individuals: This notice applies to individuals whose data we process while providing our services. When we use the term “you,” we are referring to customers, customer contacts, partner contacts, website visitors, and others whose information we regularly process in the course of providing our services. It also applies to shareholders and investors of our company. This notice does not apply to our processing of information related to job applicants, co-workers, or former co-workers.

We may update this Notice from time to time, for example if we start to use new systems or processes that use your personal data. This Notice is not a contract and does not create any legal rights or obligations, and is not intended to replace other notices or disclosures we may provide to you in connection with your relationship with our organization. If this Notice conflicts with any of those other notices or disclosures, they will take precedence.

What is Personal Information?

When we use the term “personal information” in this Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you. It does not include aggregated or de-identified information that is maintained in a form that is not capable of being associated with or reasonably linked to you. To the extent we deidentify any data originally based on personal information, we will maintain and use such data only in deidentified form and will not attempt to reidentify the data.

Our Collection of Personal Information

We collect various kinds of personal information in order to provide our website and services and run our business. We collect this information directly from you, automatically when you interact with our services, and from third parties. We may collect, store, and use the following categories of personal information about you:

Personal Information You Provide

Contact Information: Such as your name, email address, social media handle, mailing address, and phone number.
Employment Information: Such as your job title, department, employer or business, and if you perform work on our behalf, information obtained from your resume and your drug or background check (if any).
Account Information: Such as your account ID, customer ID, username, and password.
Investment Information: Such as your CreoWiz Learning share purchasing history, number of shares held, the value of the shares, eligible dividends, and the holder of record’s name and address.
Transaction and Payment or Credit Information: Such as payment information, credit information, order details, and order/product preferences.
Event or Visitor Information: Such as your attendance at a CreoWiz event or information needed when you visit our locations.
Survey Information: Such as your responses to survey questions about your business and your satisfaction with CreoWiz.
Contest Entry Information: Such as your statements and submissions for entry in a contest.
User Generated Content: To the extent, it is personal information, such as product reviews connected to you.
Inquiry Information: Such as the content of your email, text, or chat with us and, where applicable, your voice from calls with us.

Personal Information Automatically Collected

Log File Data: Including your IP address, device operating system, application software, browser type, peripheral devices, language, user log and clickstream data, access times, Active Directory information, and the websites you visited before/after ours.

Cookies and Related Technology Data

Including your usage and activity on our online services, information relating to your orders, purchases, and cart activity, using essential and non-essential cookies, web beacons, and related data collection technologies.

Location Data

Including your general geographic location based on your IP address or more precise location when accessing our online services through a mobile device.

The Cookies, Related Technologies & Online Ads section below provides additional information relating to our use of cookies and related technology, as well as your choices about these technologies and the online ads for which they are used.

Personal Information from Other Sources and Third Parties

We also obtain personal information from other sources, which we may combine with personal information we collect either automatically or directly from you.

We receive the same categories of personal information as described above from the following sources and third parties:

We Collect Personal Information from Our Business Partners

Our business partners, such as product and software providers, collect personal information and may share some or all of this information with us. For example, we receive contact information from our product providers when we engage in co-marketing campaigns for purposes of contacting prospective customers or investors who may be interested in their products.

We Collect Personal Information from Our Service Providers

Our service providers, such as payment processors and analytics providers, collect personal information and may share some or all of this information with us. For example, we receive Personal Information from vendors to coordinate events, facilitate survey activities, identify prospective customers or investors and conduct marketing and analytics.

We Collect Personal Information from Information Providers

We may purchase, lease, or otherwise obtain lists or information from third-party lists or information providers to correct or supplement the personal information we collect. For example, we may obtain updated contact information from third-party information providers to reconnect with you.

We Collect Personal Information from Publicly Available Sources

We may collect personal information that we do not otherwise have (including contact information, employment information, and product preferences) from websites and other publicly available sources for our business operations, including identifying prospective customers or correcting outdated contact information.

We Collect Personal Information from Social Media Partners

Some of our online services allow you to sign in and associate your social media accounts with us, including, but not limited to, Twitter, LinkedIn, and Facebook accounts. By using this functionality, you give us permission to access all the elements of your social media profile, including personal information, that you have made available to be shared and to use those in accordance with the social media partner’s terms of use and this Notice. Please refer to the privacy notices and privacy settings for your social media account for information about what personal information is shared with us and other connected applications and to manage the information that is shared through your social media account, including information about your activities in connection with our services.

Our Use of Personal Information

We use your personal information to administer your account with us, provide and improve our and our business partners’ services and products, provide you with information and advertisements based on your interests and interactions with us, contact you about our and our business partners’ services and products, coordinate with our business partners to allow them to participate in limited co-marketing opportunities with us, respond to your inquiries and requests, prevent and investigate fraud, protect legal and contractual rights, comply with legal obligations, and for other legitimate and reasonable activities associated with running our business.

We use the personal information we collect to:

Create and administer your account with us;
Process your order and credit requests;
Deliver products and services;
Send you transaction information, such as confirmations, invoices, technical notices, product and services information, updates, security alerts, support and administrative messages, and information about your credit with us;
Communicate with you about and facilitate contests, promotions and rewards, and upcoming events;
Process and deliver contest entries and rewards;
Provide you with news about products and services offered by us and our business partners;
Provide you with relevant advertisements;
Coordinate with our business partners to allow them to participate in limited co-marketing opportunities with us;
Provide you with an interactive social media experience that allows you to connect your social networking account with our online services;
Respond to your comments and questions and provide customer service;
Link or combine with other information we get from third parties, to help understand your needs, customize our offerings to those needs, and provide you with better service;
Conduct research and surveys used to measure our performance and improve our and our business partners’ products, services, and customer experience;
Operate and improve our and our business partners’ services and products;
Facilitate the provision of software updates, product support, and other services related to our and our business partners’ mobile applications and other products;
Manage investor relations and investments in our company, including by providing you with information about our company and related investments, processing investment transactions and paying dividends, preparing tax returns and other investor-related documents, and managing our cap table;
Prevent, investigate, or provide notice of fraud or unlawful or criminal activity;
Enforce and carry out contracts and agreements;
Maintain the health and safety of our customers, co-workers, visitors, partners, and others who may visit our locations;
And comply with legal obligations and protect and defend our legal rights.

Cookies, Related Technologies & Online Ads

As described in the Our Collection of Personal Information section of this Notice, we and our third-party partners and providers automatically collect certain types of information about your online activities over time and across websites, including our online services and other websites you may visit. We collect this information through our or our third-party partners' and providers' use of a variety of technologies, including cookies, web beacons, pixels, embedded scripts, location-identifying technologies, and logging technologies.

Many of these technologies are used to run our online services, assess the performance of our online services, allow you to use certain non-essential features of our online services, or conduct analytics on the traffic and usage trends of our online services, including statistics about our customer base. Some of these technologies are used to make advertisements and marketing materials more relevant to you and your interests, including through the use of advertising tracking technologies. You have certain choices that may limit or affect our and our third-party partners' and providers' ability to use cookies and related technologies for these purposes.

Our Disclosure of Personal Information

We disclose personal information in the following ways:

We Disclose Personal Information Within CreoWiz

We are able to offer you the products and services we make available because of the hard work of our team members across all CreoWiz entities. CreoWiz entities disclose personal information to other CreoWiz entities for purposes and use consistent with this Notice. For example, we may disclose your contact information and transaction information to process and fulfill your order or to facilitate communication between you and a local CreoWiz representative.

We Disclose Personal Information to Our Business Partners

We coordinate with third parties with whom we do business to make our and their products and services available to you. We disclose personal information to these business partners for reasons like facilitating your purchase of a product manufactured by our business partners, or for our business partners' participation in limited co-marketing opportunities with us.

We Disclose Personal Information to Our Service Providers

We engage service providers to perform functions and services on our behalf and under our instruction to make our products and services available to you and may disclose personal information to them. For example, we may disclose transaction information to our payment processors and/or invoicing partners to facilitate your transaction, and we may disclose additional personal information to service providers for auditing, compliance, investment management, and corporate governance functions.

We Disclose Personal Information to Our Suppliers and Distributors

We coordinate with and disclose personal information to our suppliers and distributors related to transactions facilitated by us, as well as to improve our performance, products, and services. Our suppliers and distributors also use personal information for their own internal purposes (including administrative purposes).

We Disclose Personal Information to Our Advertising Partners

We coordinate with and disclose personal information to advertising partners, such as search engines and social media advertising providers, for purposes of serving personalized and targeted advertisements to you on third-party platforms and to measure advertising engagement. For more information, including how to opt out of interest-based advertising, please refer to our Cookies, Related Technologies & Online Ads section.

We Disclose Personal Information with Your Consent

We may disclose personal information about you to certain other third parties not described in this Notice with your consent.

We Disclose Personal Information for Corporate Business Transactions

We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose personal information to a third party during negotiation of, in connection with, or as an asset in such a corporate business transaction. Personal information may also be disclosed in the event of insolvency, bankruptcy, or receivership.

We Disclose Personal Information in accordance with Our Legal Obligations and Rights

We may disclose personal information to third parties, such as legal advisors and law enforcement:

in connection with the establishment, exercise, or defense of legal claims;
to comply with laws or to respond to lawful requests and legal processes;
to protect the rights and property of us, our agents, customers, and others, including to enforce our agreements, policies, and terms of use;
to detect, suppress, or prevent fraud;
to reduce credit risk and collect debts owed to us;
to protect the health and safety of us, our customers, or any person; or
as otherwise required by applicable law.

Children's Privacy

Our online services are general audience sites intended for corporate and governmental purchasers. Our services are not directed to, and we do not intend to, or knowingly, collect or solicit personal information from children under the age of 13. If you are under the age of 13, do not use our services or provide us with any personal information either directly or by other means. If a child under 13 has provided personal information to us, we encourage the child's parent or guardian to contact us to request that we remove the personal information from our systems. If we learn that any personal information, we collect has been provided by a child under the age of 13, we will promptly delete that personal information.

Third-Party Websites

Except where we post, link to or expressly adopt or refer to this Notice, this Notice does not apply to, and we are not responsible for, any personal information practices of third-party websites and online services or the practices of other third parties. To learn about the personal information practices of third parties, please visit their respective privacy notices.

Changes to This Notice

We may update this Notice from time to time. When we make changes to this Notice, we will change the date at the beginning of this Notice to include the "Last Updated" date. If we make material changes to this Notice, we will notify you by email to your registered email address, by prominent posting on our services, or through other appropriate communication channels. All changes shall be effective from the date of publication unless otherwise provided in the notification.

Your Privacy Rights

As an Indian resident, you may be able to exercise the following rights in relation to the personal information about you that we have collected (subject to certain limitations at law):

Access

The right to access and obtain a copy of the specific pieces of personal information we have collected about you.

Opt-Out

The right to direct us not to sell or share personal information (as those terms are defined by Indian law) we have collected about you to third parties.

Deletion

The right to request the deletion of personal information we have collected from you, subject to certain exceptions.

Correction

The right to request that we correct personal information about you that we have in our systems if it is incorrect.

Knowledge

The right to request the following information relating to the personal information we have collected about you or disclosed in the last 12 months, upon verification of your identity:

The categories of personal information we have collected about you;
The categories of sources of the personal information we have collected about you;
The categories of personal information we have disclosed about you to third parties for a business purpose, and the categories of recipients to whom this information was disclosed;
The categories of personal information we have sold about you (if any), and the categories of third parties to whom this information was sold; and
The business or commercial purposes for collecting or, if applicable, selling personal information about you.

If you have an established customer relationship with us for personal, family, or household purposes, you may also have the right under California's "Shine the Light" law to request:

A list of the categories of certain personal information that we have disclosed to third parties during the immediately preceding calendar year for the third parties' direct marketing purposes; and
The names and addresses of all such third parties.

Contact Us

If you have any questions or requests in connection with this Notice or other privacy-related matters, please send an email to info@creowiz.com.

Alternatively, inquiries may be addressed to:

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Swamy Arcade, No. 268/B, 3rd Floor, 5th Main Road, 6th Cross, Vijaya Bank Layout, Bengaluru, Karnataka 560 076

Email: info@creowiz.com

Phone: +91 804127 7778, +91 86187 35439

Automatically Collected Information

In addition, the Application /products / Services may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device’s unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, and information about the way you use the Application / Services/ products. As is true of most Mobile applications, we also collect other relevant information as per the permissions that you provide. We use an outside credit card processing company to bill you for goods and services. These companies do not retain, share, store or use personally identifiable information for any other purpose.

At the time you (on behalf of yourself and/or your ward) register with us for our Services or during the term of Services relating to our products / services / subscriptions, we may require camera and microphone access while you avail such products / services / subscriptions to improve the in-classroom experience. All video, audio and telecalls between you/your ward and our tutors / representatives / agents are recorded for quality and training purposes. These recordings shall not be shared with you / your ward for any reason whatsoever. By agreeing to this Privacy Policy, you (on behalf of yourself and/or your ward) consent to our collection/ recording and use of your and/or your ward’s audio/video/telecall recordings and personal information for the above-mentioned purposes.

Use of your Personal Information

We use the collected Information to analyze trends, conduct research, administer the Application/Services and products, learn about each user’s learning patterns and movements around the Application/Services and products, and gather demographic information and usage behavior about our user base as a whole. Aggregated and individual, anonymized and non-anonymized data may periodically be transmitted to external service providers to help us improve the Application, products, and Services. We will share your information with third parties only in the ways that are described below in this Policy. We may use the individual data and behavior patterns combined with personal information to provide you with personalized content and better your learning objectives. Third parties provide certain services which we may use to analyze the data and information to personalize, drive insights, and help us better your experience or reach out to you with more value-added applications, products, information, and services. However, these third-party companies do not have any independent right to share this information. We do not sell, trade, or share your information with any third party (except subsidiaries/affiliates of the Company for related offerings) unless we have been expressly authorized by you either in writing or electronically to do so. We may at times provide aggregate statistics about our customers, traffic patterns, and related site information to reputable third parties. However, this information, when disclosed, will be in an aggregate form and does not contain any of your Personally Identifiable Information.

CreoWiz will occasionally send email notices, messages, or contact you to communicate about our Services, products, and benefits, as they are considered an essential part of the Services / products you have chosen.

We may disclose Information:

as required by law, such as to comply with a subpoena or similar legal process;
to enforce applicable ToU, including investigation of potential violations thereof;
when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, address security or technical issues or respond to a government request;
with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this Policy;
to protect against imminent harm to the rights, property, or safety of the Application/Website/Think and Learn Private Limited or its users or the public as required or permitted by law;
with third-party service providers in order to personalize the Application / Website/ Services / products for a better user experience and to perform behavioral analysis;
Any portion of the Information containing personal data relating to minors provided by you shall be deemed to be given with the consent of the minor’s legal guardian. Such consent is deemed to be provided by your registration with us.

Access to your Personal Information

We will provide you with the means to ensure that your Personal Information is correct and current. If you have filled out a user profile, we will provide an obvious way for you to access and change your profile from our Applications / Services / Websites / products. We adopt reasonable security measures to protect your password from being exposed or disclosed to anyone.

Cookies

We send cookies (small files containing a string of characters) to your computer, thereby uniquely identifying your browser. Cookies are used to track your preferences, help you log in faster, and are aggregated to determine user trends. This data is used to improve our offerings, such as providing more content in areas of greater interest to a majority of users. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Some of our features and services may not function properly if your cookies are disabled.

Links

We may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve our customized content. Clicking on links may take you to sites outside our domain. We are not responsible for the privacy practices of other websites. We encourage our users to be aware when they leave our site to read the privacy statements of each and every website that collects personally identifiable information. This Privacy Policy applies solely to information collected by our website.

Alerts

We may alert you by email or phone (through sms/call/WhatsApp) to inform you about new service offerings of the Company and its subsidiaries/affiliates or other information which we feel might be useful for you, through the Company or its subsidiaries/affiliates.

Public Forums

When you use certain features on our website like the discussion forums and you post or share your personal information such as comments, messages, files, and photos, will be available to all users, and will be in the public domain. All such sharing of information is done at your own risk. Please keep in mind that if you disclose personal information in your profile or when posting on our forums, this information may become publicly available.

Security

We are concerned about safeguarding the confidentiality of your Information. We provide physical, electronic, and procedural safeguards to protect the Information we process and maintain. For example, we limit access to this Information to authorized employees only who need to know that information in order to operate, develop, or improve our Application / Services / products / Website. Please be aware that, although we endeavor to provide reasonable security for the information we process and maintain, no security system can prevent all potential security breaches.

How Long Do We Retain User Data?

Currently, we plan to retain user data while an account is active and for at least three years afterward. We may alter this practice according to legal and business requirements. For example, we may lengthen the retention period for some data if needed to comply with law or voluntary codes of conduct. Unless otherwise prohibited, we may shorten the retention period for some types of data if needed to free up storage space.

Log Information

When you access our website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, internet protocol address, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your browser.

User Communications

When you send an email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests, and improve our Services.

Changes to this Statement

As the Company evolves, our privacy policy will need to evolve as well to cover new situations. You are advised to review this Policy regularly for any changes, as continued use is deemed approval of all changes.

Your Consent

We believe that every user of our Application / Services / products / Website must be in a position to provide informed consent prior to providing any Information required for the use of the Application / Services / products / Website. By registering with us, you are expressly consenting to our collection, processing, storing, disclosing, and handling of your information as set forth in this Policy now and as amended by us. Processing your information in any way, including, but not limited to, collecting, storing, deleting, using, combining, sharing, transferring, and disclosing information, all of which activities will take place in India. If you reside outside India, your information will be transferred, processed, and stored in accordance with the applicable data protection laws of India.

Contact Information

Our Grievance Officer shall undertake all reasonable efforts to address your grievances at the earliest possible opportunity. You may contact us at Grievance officer: Mr. Girish, Address: BIITS, Swamy Arcade, No. 268/B, 3rd Floor, 5th Main Road, 6th Cross, Vijaya Bank Layout, Bengaluru, Karnataka 560 076.
Reach out to us on info@creowiz.com in case of any queries.

Terms & Conditions

These Terms & Conditions (“Terms”) of (a) use of our website www.creowiz.com (“Website”), our applications (“Application”) or any products or services in connection with the Application, Website, products (“Services”) or (b) any modes of registrations or usage of products, including through SD cards, tablets, or other storage/transmitting devices are between CreoWiz Learning Private Limited (“Company/We/Us/Our”) and its users (“User/You/Your”). These Terms constitute an electronic record in accordance with the provisions of the Information Technology Act, 2000 and the Information Technology (Intermediaries guidelines) Rules, 2011 thereunder, as amended from time to time.

Please read the Terms and the privacy policy of the Company (“Privacy Policy”) with respect to registration with us, the use of the Application, Website, Services, and products carefully before using the Application, Website, Services, or products. In the event of any discrepancy between the Terms and any other policies with respect to the Application or Website or Services or products, the provisions of the Terms shall prevail.

Your use/access/browsing of the Application or Website or the Services or products or registration (with or without payment/with or without subscription) through any means shall signify Your acceptance of the Terms and Your agreement to be legally bound by the same.

If you do not agree with the Terms or the Privacy Policy, please do not use the Application or Website or avail the Services or products. Any access to our Services / Application / products through registrations/subscription is non-transferable.

Except as mentioned below, all information, content, material, trademarks, service marks, trade names, and trade secrets including but not limited to the software, text, images, graphics, video, script, and audio, contained in the Application, Website, Services, and products are proprietary property of the Company (“Proprietary Information”). No Proprietary Information may be copied, downloaded, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any way without obtaining prior written permission from the Company, and nothing on this Application or Website or Services shall be or products deemed to confer a license or any other right, interest, or title to or in any of the intellectual property rights belonging to the Company, to the User. You may own the medium on which the information, content, or materials reside, but the Company shall at all times retain full and complete title to the information, content, or materials and all intellectual property rights inserted by the Company on such medium. Certain contents on the Website may belong to third parties. Such contents have been reproduced after taking prior consent from said party, and all rights relating to such content will remain with such third party. Further, you recognize and acknowledge that the ownership of all trademarks, copyright, logos, service marks, and other intellectual property owned by any third party shall continue to vest with such party, and You are not permitted to use the same without the consent of the respective third party.
Your use of our products, Website, Application, and Services is solely for Your personal and non-commercial use. Any use of the Application, Website, Services, or products or their contents other than for personal purposes is prohibited. Your personal and non-commercial use of this Application, Website, products and/or our Services shall be subjected to the following restrictions:

i. You may not decompile, reverse engineer, or disassemble the contents of the Application and/or our Website and/or Services / products or modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from the Application and/or our Website and / or Services / products, or remove any copyright, trademark registration, or other proprietary notices from the contents of the Application and/or our Website and/ or Services / products.
ii. You will not (a) use this Application and / or our Website and/or any of our product /s or Service/s for commercial purposes of any kind, or (b) advertise or sell the Application or any products, Services, or domain names or otherwise (whether or not for profit), or solicit others (including, without limitation, solicitations for contributions or donations) or use any public forum for commercial purposes of any kind, or (c) use the Application and/or Website / our products and Services in any way that is unlawful, or harms the Company or any other person or entity as determined by the Company.
iii. No User shall be permitted to perform any of the following prohibited activities while availing our Services:
1. Making available any content that is misleading, unlawful, harmful, threatening, abusive, tortious, defamatory, libelous, vulgar, obscene, child-pornographic, lewd, lascivious, profane, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable;
2. Stalking, intimidating, and/or harassing another and/or inciting others to commit violence;
3. Transmitting material that encourages anyone to commit a criminal offense, that results in civil liability, or otherwise breaches any relevant laws, regulations, or code of practice;
4. Interfering with any other person’s use or enjoyment of the platform;
5. Making, transmitting, or storing electronic copies of materials protected by copyright without the permission of the owner, committing any act that amounts to the infringement of intellectual property or making available any material that infringes any intellectual property rights or other proprietary rights of anyone else;
6. Make available any content or material that you do not have a right to make available under any law or contractual or fiduciary relationship, unless you own or control the rights thereto or have received all necessary consents for such use of the content;
7. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
8. Post, transmit, or make available any material that contains viruses, trojan horses, worms, spyware, time bombs, cancelbots, or other computer programming routines, code, files, or such other programs that may harm the platform, interests, or rights of other users or limit the functionality of any computer software, hardware, or telecommunications, or that may harvest or collect any data or personal information about other users without their consent;
9. Access or use the platform in any manner that could damage, disable, overburden, or impair any of the platform’s servers or the networks connected to any of the servers on which the platform is hosted;
10. Intentionally or unintentionally interfere with or disrupt the services or violate any applicable laws related to the access to or use of the platform, violate any requirements, procedures, policies, or regulations of networks connected to the platform, or engage in any activity prohibited by these terms;
11. Disrupt or interfere with the security of, or otherwise cause harm to, the platform, materials, systems resources, or gain unauthorized access to user accounts, passwords, servers, or networks connected to or accessible through the platform or any affiliated or linked sites;
12. Interfere with or inhibit any user from using and enjoying access to the platform, or other affiliated sites, or engage in disruptive attacks such as denial of service attack on the platform;
13. Use deep-links, page-scrape, robot, spider, or other automatic device, program, algorithm, or methodology, or any similar or equivalent manual process, to increase traffic to the platform, to access, acquire, copy, or monitor any portion of the platform, or in any way reproduce or circumvent the navigational structure or presentation of the platform, or any content, to obtain or attempt to obtain any content, documents, or information through any means not specifically made available through the platform;
14. Alter or modify any part of the services;
15. Use the services for purposes that are not permitted by these terms and any applicable law, regulation, or generally accepted practices or guidelines in the relevant jurisdiction;
16. Violate any of the terms specified under these terms for the use of the platform.

By submitting content on or through the Services (your “Material”), you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such Material in any and all media or distribution methods (now known or later developed) and to associate your Material with you, except as described below. You agree that others may use Your Material in the same way as any other content available through the Services. Other users of the Services may fork, tweak and repurpose your Material in accordance with these Terms. If you delete your user account, your Material and name may remain available through the Services.
4. In the preparation of the Application / Website / Services / products and contents therein, every effort has been made to offer the most current, correct, and clearly expressed information possible. Nevertheless, inadvertent errors may occur. In particular, but without limiting anything here, the Company disclaims any responsibility for any errors and accuracy of the information that may be contained in the Application. Any feedback from the User is most welcome to make the Application and contents thereof error-free and user-friendly. The company also reserves the right and discretion to make any changes/corrections or withdraw/add content at any time without notice. Neither the Company nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on Application / Website / Services / products for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
5. Our website provides Users with access to compiled educational information and related sources. Such information is provided on an As-Is basis and We assume no liability for the accuracy or completeness or use or non-obsolescence of such information. We shall not be liable to update or ensure the continuity of such information contained on the Website. We would not be responsible for any errors, which might appear in such information, which is compiled from third-party sources or for any unavailability of such information. From time to time the Website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). You may not create a link to the Website from another website or document without the Company’s prior written consent.
6. The contents of the Applications / Services / products are developed on the concepts covered in the structured curriculum syllabus prescribed for students of various courses. The usage of the Application / Services / products is not endorsed as a substitution for the curriculum-based education provided by the educational institutions but is intended to supplement the same by explaining and presenting the concepts in a manner enabling easy understanding. The basic definitions and formulae of the subject matter would remain the same. The Company acknowledges that there are various means of delivering structured curriculum pedagogy and inclusion of methods in the Application / Services / products does not imply endorsement of any particular method nor exclusion implies disapproval. Subscription to the Application or usage of our Services / Website / products does not in any manner guarantee admission to any educational institutions or passing of any exams or achievement of any specified percentage of marks in any examinations.

Certain contents in the Application / Services / Website / products (in particular relating to assistance in preparations for administrative services) may contain opinions and views. The Company shall not be responsible for such opinions or any claims resulting from them. Further, the Company makes no warranties or representations whatsoever regarding the quality, content, completeness, or adequacy of such information and data.
8. Some parts of the Services are interactive, and we encourage contributions by Users, which may or may not be subject to editorial control prior to being posted. The Company accepts no responsibility or liability for any material communicated by third parties in this way. The Company reserves the right at its sole discretion to remove, review, edit, or delete any content. Similarly, we will not be responsible or liable for any content uploaded by Users directly on the Website, irrespective of whether We have certified any answer uploaded by the User. We would not be responsible to verify whether such questions/answers or contents placed by any User contain infringing materials or not.
9. The Company (including but not limited to its subsidiaries / affiliates) may, based on any form of access to the Application (including free download/trials) or Services or Website or registrations through any source whatsoever, contact the User through SMS, email, and call, to give information about their offerings and products as well as notifications on various important updates and/or to seek permission for demonstration of its products. The User expressly grants such permission to contact him/her through telephone, SMS, e-mail and holds the Company (including but not limited to its subsidiaries / affiliates) indemnified against any liabilities including financial penalties, damages, and expenses in case the User’s mobile number is registered with Do not Call (DNC) database. By registering yourself, you agree to make your contact details available to Our employees, associates, subsidiaries, affiliates, and partners so that you may be contacted for education information, offerings, and promotions through telephone, SMS, email etc.
10. While the Company may, based on the User’s confirmation, facilitate the demonstration of its products at the location sought by the User, the User acknowledges that he/she has not been induced by any statements or representations of any person with respect to the quality or conditions of the products and that User has relied solely on the investigations, examinations, and inspections as the User has chosen to make and that the Company has afforded the User the opportunity for full and complete investigations, examinations, and inspections.
11. Upon registration through any means whatsoever, the Company may contact You through the registered mobile number or e-mail or any other mobile number or contact number or email provided by You to enable effective provision of Services. The User expressly permits the Company to contact him/her and the student utilizing the Services, through the above-mentioned means at any time post-registration. Further, the Company shall have the right to monitor the download and usage of the Application / Services / products and the contents thereof by the User / student, to analyze such usage and discuss the same with the User/student to enable effective and efficient usage of the Services. The User expressly permits the Company to clear the doubts of the student using the Application/Services/online portal by answering the questions placed before it, providing study plans, informing of the progress, providing feedback, communicating with the student and mentoring the student through telephone or e-mail on the express consent of the legal guardian/parent of the User or through any other forum.
12. While the Company has made efforts to train the personnel engaged in the sales and services relating to its products to enable quality control, it makes no warranties or representations whatsoever regarding the quality and competence of such personnel and would not be responsible for any deviant behavior of any such personnel. Any feedback from the User relating to the same is most welcome and Company reserves the right and discretion to take any action in this regard.
13. Access to certain elements of the Services including doubt clearance, mentoring services etc. may be subject to separate terms, conditions, and fair usage policy. The Company reserves the right to determine the criteria for the provision of various elements of Services to the different categories of Users based on its policies. Hence, subscription to the Application / products or registrations do not automatically entitle the User to any and all elements of Services provided by the Company and the Company shall be entitled to exercise its discretion while providing access to and determining continuity of certain elements of Services. We reserve the right to extend, cancel, discontinue, prematurely withdraw or modify any of Our Services at Our discretion.
14. The Company’s products and/or Services, including the Application and content, are compatible only with certain devices / tablets / instruments / hardware. The Company shall not be obligated to provide workable products and/or services for any instruments that are not recognized by the Company or those instruments that may be purchased from any third party which are not compatible with the Company’s products and Services the Company reserves the right to upgrade the table/type of compatible devices as required from time to time.
15. The Company shall have no responsibility for any loss or damage caused to the tablet or any other hardware and/or software and/or instrument, including loss of data or effect on the processing speed, resulting from Your use of our products and Services.
16. In order to encourage Customer Retention and Loyalty, CreoWiz encourages its Customers, Fintech Partners, and other stakeholders to refer customers to buy CreoWiz Products & Services. The Company at its option can pay a referral bonus subject to applicable laws. Since this is an optional selective policy of the Company, the decision of the Company is final and the same cannot be either disputed or challenged. It should be noted with abundant caution that no Customer, Fintech Partner, or other stakeholder shall do business with the Company in anticipation of such Bonus. Company shall not be held responsible if some Customer has done business with the objective of getting a referral bonus as the Bonus paid by the Company is purely dependent on its own discretion based on internal parameters and various demographic and economic factors.

You have to specify the address to which the shipment has to be made at the time of purchase. All product(s) shall be delivered directly to the address as specified at the point of ordering, and You cannot, under any circumstances whatsoever, change the address after the order is processed. In case of any change in the address, you need to specify the same to us in writing well in advance of the shipping date. Any inconsistencies in name or address will result in non-delivery of the product(s).
(a) For the return of product(s) damaged at the time of delivery, the shipping charges shall be borne by the Company. However, for the return of any of the product(s) for any other reasons, it shall be the responsibility of the User to arrange for the return of such canceled product(s), and the shipping charges shall be borne by such User. (b) We request You not to accept any product package that seems to be tampered with, opened, or damaged at the time of delivery. The products must be returned in the same condition as delivered by the Company. Any products returned showing signs of any use or damage in any manner shall not be accepted for return. (c) All requests for the return of products have to be placed within 15 (fifteen) days from the date of delivery. Please note that no refunds shall be claimed or will be entertained post 15 (fifteen) days from the date of delivery.
You acknowledge that the Company is not the manufacturer of the instrument/medium/hardware, and hence, any defect relating to the same shall be reported to the manufacturer whose details shall be specified on the packaging, and the Company shall not be in any manner responsible for the same. The Company does not provide any guarantee or warranty relating to the instrument/medium/hardware.
In order to access the Services and to avail the use of the Application / products, you shall be required to register yourself with the Application / Services / products and maintain an account with the Application / Services / products. You will be required to furnish certain information and details, including Your name, mobile number, e-mail address, residential address, grade/class of the student, school name, payment information (credit/debit card details) if required, and any other information deemed necessary by the Application. With respect to the provision of information, the following may be noted:

It is Your sole responsibility to ensure that the account information provided by You is accurate, complete, and latest.
You shall be responsible for maintaining the confidentiality of the account information and for all activities that occur under Your account. You agree to (a) ensure that You successfully log out from Your account at the end of each session; and (b) immediately notify the Company of any unauthorized use of Your account. If there is reason to believe that there is likely to be a breach of security or misuse of Your account, we may request You to change the password or we may suspend Your account without any liability to the Company, for such period of time as we deem appropriate in the circumstances. We shall not be liable for any loss or damage arising from Your failure to comply with this provision.
You acknowledge that Your ability to use Your account is dependent upon external factors such as internet service providers and internet network availability and the Company cannot guarantee accessibility to the Application at all times. In addition to the disclaimers set forth in the Terms, the Company shall not be liable to You for any damages arising from Your inability to log into Your account and access the services of the Application at any time.

Persons who are “competent/capable” of contracting within the meaning of the Indian Contract Act, 1872 shall be eligible to register for the Application and all Our products or Services. Persons who are minors, un-discharged insolvents, etc. are not eligible to register for Our products or Services. As a minor, if You wish to use Our products or Services, such use shall be made available to You by Your legal guardian or parents, who has agreed to these Terms. In the event a minor utilizes the Application/Website/Services, it is assumed that he/she has obtained the consent of the legal guardian or parents and such use is made available by the legal guardian or parents. The Company will not be responsible for any consequence that arises as a result of misuse of any kind of Our Application or any of Our products or Services that may occur by virtue of any person including a minor registering for the Services / products provided. By using the products or Services You warrant that all the data provided by You is accurate and complete and that student using the Application has obtained the consent of the parent/legal guardian (in the case of minors). The Company reserves the right to terminate Your subscription and/ or refuse to provide You with access to the products or Services if it is discovered that You are under the age of 18 (eighteen) years and the consent to use the products or Services is not made by Your parent/legal guardian or any information provided by You is inaccurate. You acknowledge that the Company does not have the responsibility to ensure that You conform to the aforesaid eligibility criteria. It shall be Your sole responsibility to ensure that You meet the required qualification. Any persons under the age of 18 (eighteen) should seek the consent of their parents/legal guardians before providing any information about themselves or their parents and other family members on the Application.
You agree to defend, indemnify and hold harmless the Company, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) Your use of and access of the Application/Website/Services; (ii) Your violation of any term of these Terms or any other policy of the Company; (iii) Your violation of any third party right, including without limitation, any copyright, property, or privacy right; or (iv) any claim that Your use of the Application/Website/Services has caused damage to a third party. This defense and indemnification obligation will survive these Terms.
In no event shall the Company, its officers, directors, employees, partners or agents be liable to You or any third party for any special, incidental, indirect, consequential or punitive damages whatsoever, including those resulting from loss of use, data or profits or any other claim arising out, of or in connection with, Your use of, or access to, the Application.
In the event of Your breach of these Terms, you agree that the Company will be irreparably harmed and may not have an adequate remedy in money or damages. The Company, therefore shall be entitled in such event to obtain an injunction against such a breach from any court of competent jurisdiction. The Company’s right to obtain such relief shall not limit its right to obtain other remedies.
Any violation by You of the terms of this Clause may result in immediate suspension or termination of Your Accounts apart from any legal remedy that the Company can avail. In such instances, the Company may also disclose Your Account Information if required by any Governmental or legal authority. You understand that the violation of these Terms could also result in civil or criminal liability under applicable laws.
The Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Further, the Terms shall be subject to the exclusive jurisdiction of the competent courts located in Bangalore and You hereby accede to and accept the jurisdiction of such courts.
The Company has the right to change, modify, suspend, or discontinue and/or eliminate any aspect(s), features or functionality of the Application or the Services as it deems fit at any time without notice. Further, the Company has the right to amend these Terms from time to time without prior notice to you. The Company makes no commitment, express or implied, to maintain or continue any aspect of the Application. You agree that the Company shall not be liable to You or any third party for any modification, suspension, or discontinuance of the Application/Services. All prices are subject to change without notice.
DISCLAIMER: THIS WEBSITE, THE APPLICATION AND THE SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND. THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE WEBSITE, APPLICATION/PRODUCTS AND THE SERVICES, INCLUDING WITHOUT LIMITATION, ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND TIMELINESS. PERFORMANCE, COMPLETENESS, SUITABILITY AND NON-INFRINGEMENT. ADDITIONALLY, THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE

General Provisions:
- Notice: All notices served by the Company shall be provided via email to Your account or as a general notification on the Application. Any notice to be provided to the Company should be sent to info@creowiz.com.
- Entire Agreement: The Terms, along with the Privacy Policy, and any other guidelines made applicable to the Application from time to time, constitute the entire agreement between the Company and You with respect to Your access to or use of the Application, Website, and the Services thereof.
- Assignment: You cannot assign or otherwise transfer Your obligations under the Terms, or any right granted hereunder to any third party. The Company’s rights under the Terms are freely transferable by the Company to any third parties without the requirement of seeking Your consent.
- Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of the parties as reflected by that provision, and the remainder of the Terms shall continue in full force and effect.
- Waiver: Any failure by the Company to enforce or exercise any provision of the Terms, or any related right, shall not constitute a waiver by the Company of that provision or right.
- Relationship: You acknowledge that Your participation on the Application does not make You an employee or agency or partnership or joint venture or franchise of the Company.
- The Company provides these Terms so that You are aware of the terms that apply to your use of the Website/Application and Services. You acknowledge that, the Company has given You a reasonable opportunity to review these Terms and that You have agreed to them.
Feedback:
- Any feedback You provide with respect to the Application shall be deemed to be non-confidential. The Application shall be free to use such information on an unrestricted basis. Further, by submitting the feedback, You represent and warrant that (i) Your feedback does not contain confidential or proprietary information of You or of third parties; (ii) the Company is not under any obligation of confidentiality, express or implied, with respect to the feedback; (iii) the Application may have something similar to the feedback already under consideration or in development; and (iv) You are not entitled to any compensation or reimbursement of any kind from the Company for the feedback under any circumstances unless specified.
- Under no circumstances shall the Company be held responsible in any manner for any content provided by other users even if such content is offensive, hurtful, or offensive. Please exercise caution while accessing the Application.
Customer Care: We make all our best endeavors to provide You with a pleasant experience. In the unlikely event that You face any issues, please contact us at info@creowiz.com.