Terms of Service, Privacy Policy & AI Policy

Effective date: July 1, 2026

Last updated: July 1, 2026

1. Agreement to Terms

This Agreement is made between you, whether personally or on behalf of an entity ("you"), and the Company, concerning your access to and use of the Platform. You agree that by accessing or using the Platform you have read, understood, and agreed to be bound by this Agreement in full. We may change or modify this Agreement at any time. For material changes that adversely affect your rights, we will give reasonable prior notice by email or by in-app or on-site notification, and such changes will not apply retroactively to the active period of a subscription you have already purchased. Non-material or clarificatory updates take effect when posted, as indicated by updating the "Last updated" date above. It is your responsibility to review this Agreement periodically, and your continued use of the Platform after changes take effect constitutes your acceptance of the revised Agreement.

2. Eligibility & Age

You must be at least 13 years of age to use the Platform. To purchase, subscribe to, or make any payment, you must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872. If you are under 18, you may use the free portions of the Platform only with the involvement and consent of a parent or legal guardian, who must make any purchase and accept this Agreement on your behalf. We do not knowingly collect personal data from children without such consent. By making any purchase, you confirm that you meet these requirements. We may refuse service, terminate accounts, or cancel orders at our sole discretion where these requirements are not met.

3. Nature of the Service & Medical Disclaimer

The Platform provides educational and exam-preparation material, including model answers to previously asked university examination questions and related study content, for informational and self-study purposes only.

No assurance of results. "PassMBBS" is a brand name only and does not represent any claim, promise, or assurance that the content will help you pass any MBBS examination or any other examination, in any form. PassMBBS is an independent venture launched in 2024 and does not imply any association, affiliation, or endorsement with any existing brand, institution, university, or examining body bearing similar or different names.

4. Accounts, Devices & Account Sharing

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate and complete information and to keep it current. Access is licensed to a single user on a limited number of registered devices as determined by us; the Platform enforces single-device / single-user access controls.

Account sharing is strictly prohibited. Sharing, transferring, reselling, or otherwise making your account or credentials available to any other person — whether free or paid — may result in the immediate termination or blocking of your account and forfeiture of any paid subscription, without notice and without any refund. The Company reserves the right to block or terminate any free or paid account for violating this Agreement or our fair-usage policy, at its sole discretion and without notice. Account sharing exposes the sharing user to liability for damages, and the Company shall, at its sole discretion, take all necessary action — including legal action — to enforce this policy.

5. Anti-Piracy & Content Protection

All content is protected by copyright and other laws and is delivered using technical protection measures. You must not, and must not attempt to or permit any third party to: copy, record, screenshot, screen-record, scrape, harvest, mirror, redistribute, resell, publish, or publicly display any content; circumvent, disable, reverse-engineer, or interfere with any security, encryption, digital-rights-management, watermarking, or access control; or use any bot, scraper, or automated means to access the Platform. Any attempt at piracy, content theft, unauthorised distribution, or circumvention of our protections is a serious violation of this Agreement and of law, and will be met with strict legal action, including claims for injunctions, damages, and costs, in addition to immediate termination without refund.

6. Subscriptions, Pricing & Payments

Paid subscriptions grant access to specified paywalled content for a specified fixed period, with full knowledge and consent of the user. Subscriptions are non-renewing: they do not auto-renew, no recurring or automatic charge is made, and access ends automatically at the end of the paid period unless you choose to purchase a new subscription. Content may be updated, added to, changed, or removed as needed at the sole discretion of the Company.

Pricing is subject to change at any time without prior notice. All prices, plans, offers, discounts, and terms are subject to change or withdrawal at the Company's sole discretion, at any time and without prior notice, based on prevailing offers and terms then in effect. Prices may in particular be revised on account of unforeseen or increased costs beyond our control — including, without limitation, price increases imposed by cloud, hosting, storage, or infrastructure providers, higher storage and compute costs driven by the growth in artificial-intelligence demand, semiconductor or hardware supply shortages, currency fluctuations, and changes in taxes or regulatory levies. Any change in price will not affect the price of a subscription already purchased for its then-current active period, but will apply to any subsequent purchase or renewal.

Unless otherwise indicated at checkout, all prices are inclusive of applicable taxes (including GST); the applicable tax breakdown is shown at checkout, and you are responsible for all applicable taxes. Payments may be processed through third-party payment providers and, on mobile platforms, through the Apple App Store or Google Play. Purchases made through an app store are additionally subject to that store's own terms, billing rules, and policies, which operate outside the Company's control.

Additional Terms for Apple App Store Users

If you use our iOS application obtained from the Apple App Store, the following additional terms apply and, in case of conflict with the rest of this Agreement in respect of the Apple-sourced application, prevail. This Agreement is concluded between you and the Company only, and not with Apple Inc. ("Apple"); the Company, not Apple, is solely responsible for the application and its content. Apple has no obligation to furnish any maintenance or support for the application. Apple is not responsible for any product warranties, and any refund for an App Store purchase is administered by Apple in accordance with the App Store terms. The Company, not Apple, is responsible for addressing any claims relating to the application, including product-liability, legal-compliance, and intellectual-property claims. You represent that you are not located in a country subject to a U.S. Government embargo or designated as terrorist-supporting, and that you are not listed on any U.S. Government restricted-parties list. You must comply with applicable third-party terms (for example, your wireless data plan) when using the application. Apple and its subsidiaries are third-party beneficiaries of this Agreement and, upon your acceptance, have the right to enforce it against you.

7. Refunds & Returns

If you purchased through the Apple App Store or Google Play, any refund is administered solely by that store under its own policies, which are outside the Company's control; to request such a refund you must approach that store directly. This no-refund policy applies to the fullest extent permitted by law; only where a specific refund right is mandated by mandatory, non-waivable law, and solely to that minimum extent, will such a right be honoured.

8. Reasonable Use of Subscriptions & Storage

All subscriptions, including long-term or extended subscriptions, and any associated cloud storage, downloads, caching, and usage, are subject to reasonable and fair use, as determined by the Company at its sole discretion. Any user whose usage exceeds what the Company considers reasonable — including excessive storage, bandwidth, access frequency, downloads, or device usage — may be required to make additional payment for continued usage, or may have their usage limited, suspended, or terminated. This safeguard exists because the underlying costs of providing long-term access and storage are variable and may rise due to factors beyond our control, such as increased cloud, storage, and compute prices driven by artificial-intelligence demand, hardware and chip supply shortages, and similar market conditions.

9. Availability, Outages, Cloud & Internet

The Platform is a cloud-enabled digital service and is provided on an "as is" and "as available" basis. We do not warrant that the Platform will be uninterrupted, timely, secure, error-free, or available at any particular time or location. Because the service depends on cloud infrastructure, third-party providers, networks, and the public internet, outages, downtime, latency, maintenance windows, data loss, and service interruptions can and do occur.

Stable internet is required at all times. Continued use of the Platform requires a stable and reliable internet connection at all times. You are solely responsible for arranging and maintaining the internet connectivity, devices, and data required to access the Platform, and the Company is not responsible for any issue arising from your connectivity, device, or network.

10. Third-Party Services, Marketing & Advertising

The Company uses a range of third-party services to operate, promote, and improve the Platform. This includes, without limitation, the use of Meta (Facebook), Instagram, Google, and other advertising, social-media, analytics, messaging, hosting, payment, and artificial-intelligence tools and platforms for marketing, advertising, promotion, analytics, communications, and service delivery. When you interact with the Platform or our advertisements, certain data may be collected, processed, or shared by these third parties in accordance with their own terms and privacy policies, over which the Company has no control. The Company is not responsible or liable for the acts, omissions, content, products, services, or policies of any third party, and your dealings with any third party are solely between you and that third party.

11. Communications & Marketing Consent

We communicate with you through WhatsApp, SMS, RCS, email, telephone calls, push notifications, and in-app messages. These communications are of two kinds:

• Transactional / service messages — such as account, purchase, payment, invoice, security, support, and service updates. These are necessary to operate your account and provide the Platform, and are sent to you as service communications.
• Promotional / marketing messages — such as offers, discounts, new content, product updates, reminders, and other marketing about our and our partners' offerings. You opt in to receive these when you create an account, and you may withdraw your consent (opt out) at any time.

By creating an account and providing your phone number, you opt in to receive promotional messages on the channels above, including WhatsApp messages sent via our messaging providers. Promotional messages will be sent in a manner consistent with applicable law, including TRAI regulations, registered-template / DLT requirements, and your registered "Do Not Disturb" / "Do Not Call" (NCPR) preferences. You may withdraw marketing consent (opt out) at any time — as easily as it was given — by replying "STOP" on the relevant channel, using any unsubscribe option, or contacting us at passmbbs.in@gmail.com or on WhatsApp at +91 89390 99753 to request removal from all marketing, including marketing telephone calls. We may continue to send you transactional and service messages even after you opt out of marketing.

12. User-Submitted Content & Copyright Takedown

The Platform may include content submitted, uploaded, or contributed by users ("User Content"), in respect of which the contributing user represents that they are the owner or are otherwise authorised. By submitting User Content, you represent and warrant that you own or control all rights in it and that it does not infringe any third party's rights, and you grant the Company a worldwide, perpetual, irrevocable, royalty-free, fully-paid-up, transferable, and sublicensable licence to host, store, use, reproduce, adapt, modify, publish, translate, create derivative works from, distribute, publicly display, and otherwise exploit that User Content in any media and for any purpose, including operating, promoting, and marketing the Platform. You waive any moral rights to the extent permitted by law, and you agree to indemnify the Company in respect of any claim relating to your User Content.

The Company is not liable, in any manner or form, for any User Content or third-party content on the Platform. Because User Content is provided by users who assert ownership, the Company does not independently verify ownership at the time of submission.

13. Intellectual Property

Except for User Content and third-party materials, the Platform and all of its content — including source code, databases, functionality, software, designs, audio, video, text, photographs, graphics (collectively, the "Content"), and all trademarks, service marks, logos, and brand features (the "Marks") — are owned by or licensed to the Company and are protected by applicable intellectual-property laws. Subject to your compliance with this Agreement, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Content solely for your own personal, non-commercial study. No other right or licence is granted. You must not reproduce, distribute, publicly display, sell, sublicense, or create derivative works from any Content or Marks without our prior written permission.

14. Prohibited Conduct

You agree not to, and not to permit any person to:

• share, resell, sublicense, or transfer your account or access to any other person;
• copy, screenshot, record, scrape, mirror, or redistribute any Content;
• circumvent, disable, or reverse-engineer any security, encryption, or access-control measure;
• use any automated means, bot, or scraper to access the Platform;
• use the Platform for any unlawful, infringing, harmful, or fraudulent purpose;
• upload malicious code or interfere with the operation, integrity, or security of the Platform;
• impersonate any person or misrepresent your affiliation; or
• use the Platform in any way that violates this Agreement or any applicable law.

15. Suspension & Termination

We may, at our sole discretion and without notice or liability, suspend, restrict, block, or terminate your access to the Platform or your account, in whole or in part, for any reason, including any actual or suspected violation of this Agreement or our fair-usage policy. Upon termination for such a violation, any paid subscription is forfeited and no refund will be issued. Provisions that by their nature should survive termination — including those on intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

16. Disclaimers of Warranty

To the fullest extent permitted by applicable law, the Platform and all Content are provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, title, or availability. We do not warrant that the Platform will meet your requirements, be uninterrupted, secure, or error-free, or that any content is accurate, complete, current, or reliable. Any reliance you place on the Platform or its Content is strictly at your own risk.

17. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will the Company, its affiliates, or their respective owners, partners, licensors, service providers, employees, agents, officers, or directors be liable for any damages of any kind — under any legal theory, whether in contract, tort (including negligence), strict liability, or otherwise — arising out of or in connection with your use of, or inability to use, the Platform, any linked websites, or any content, including any direct, indirect, special, incidental, consequential, exemplary, or punitive damages, and including, without limitation, loss of revenue, profits, business, anticipated savings, use, goodwill, or data, and including any loss arising from any outage, downtime, or unavailability (including during examinations), even if foreseeable and even if we have been advised of the possibility of such damages. This limitation applies equally to any AI-assisted or AI-generated content (see Part C) and to any reliance on Platform content for clinical, diagnostic, or treatment purposes (see Section 3).

To the fullest extent permitted by applicable law, our total aggregate liability for all claims relating to the Platform or this Agreement shall not exceed the total amount actually paid by you to the Company for the specific subscription giving rise to the claim.

18. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, suppliers, successors, and assigns, from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of this Agreement, your User Content, your misuse of the Platform, or your violation of any law or any rights of a third party.

19. Force Majeure

The Company shall not be liable or in default for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, epidemics or pandemics, war, civil unrest, government action, changes in law, strikes, failures or price changes of cloud, hosting, storage, power, or telecommunications providers, semiconductor or hardware shortages, cyber-attacks, or internet or network failures.

20. Governing Law, Arbitration & Jurisdiction

This Agreement and your use of the Platform are governed by and construed in accordance with the laws of India, without regard to conflict-of-law principles.

Binding arbitration. Any dispute, controversy, or claim arising out of or relating to this Agreement or the Platform, including its existence, validity, breach, or termination, shall be referred to and finally resolved by binding arbitration under the Arbitration and Conciliation Act, 1996 (as amended). The parties shall first attempt to resolve the dispute amicably; failing resolution within thirty (30) days, the dispute shall be referred to a sole arbitrator appointed by the mutual written agreement of the parties and, failing such agreement within a further thirty (30) days, appointed by the competent court or arbitral institution under the said Act. Neither party may unilaterally appoint the arbitrator. The seat and venue of arbitration shall be Chennai, India, the language shall be English, and the arbitral award shall be final and binding on the parties. The arbitrator may award the Company its costs, expenses, and reasonable legal fees where a claim is found to be frivolous, vexatious, or wholly without merit; otherwise each party shall bear its own costs. To the extent permitted by law, arbitrable disputes shall be resolved on an individual basis. Nothing in this Agreement waives or limits any non-waivable statutory right, including the right of a person qualifying as a "consumer" to pursue remedies before the appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or to bring or join a representative complaint under Section 35 of that Act.

Jurisdiction. Subject to the arbitration provision above, the courts at Chennai, India shall have exclusive jurisdiction over any matter arising out of or relating to this Agreement or the Platform, and you waive any objection to the exercise of jurisdiction and venue by such courts.

21. Grievance Officer

In accordance with applicable law, including the Information Technology Act, 2000 and the rules thereunder and applicable data-protection law, grievances relating to the Platform or your data may be addressed to our Grievance Officer:

• Grievance Officer, OPSONIZE AI EDU TECH SOLUTIONS LLP
• Email: passmbbs.in@gmail.com (please use the subject line "Grievance Officer")
• WhatsApp: +91 89390 99753
• Address: passMBBS.in, Box 516, K Block, TW Apartments, Thirumudivakkam, Chennai - 600069

We will acknowledge grievances within 24 hours and endeavour to resolve them within 15 days, in accordance with applicable law. For data-protection matters you may contact us at the same address; where required, you may approach the Data Protection Board of India after using this grievance mechanism.

22. General / Miscellaneous

• Entire agreement. This Agreement (Parts A, B, and C) constitutes the entire agreement between you and the Company regarding the Platform and supersedes any prior agreements.
• Severability. If any provision is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force.
• No waiver. Our failure to enforce any right or provision will not be deemed a waiver of that right or provision.
• Assignment. You may not assign or transfer this Agreement without our prior written consent. We may assign this Agreement freely.
• Headings. Headings are for convenience only and do not affect interpretation.

Privacy Policy

This Privacy Policy explains how the Company collects, uses, discloses, and safeguards your personal information when you use the Platform. By using the Platform, you consent to the practices described here. If you disagree, please discontinue use.

Information We Collect

• Personal Data: information you voluntarily provide, such as your name, email address, telephone number, and demographic data such as age, gender, and area of study, when you register or use the Platform.
• Derivative / Usage Data: information automatically collected by our servers and tools, such as your IP address, device identifiers, device and browser type, operating system, access times, and pages or features viewed.
• Financial Data: limited payment-related data (such as card brand, last digits, and expiry) processed by our payment partners to complete purchases. We do not store full card numbers.
• Sign-In Data: when you use Google Sign-In or Apple Sign-In, we receive the email address and profile information you choose to share for authentication.

How We Use Your Information

• create and manage your account and verify eligibility;
• process transactions and send confirmations, invoices, and service updates;
• provide, maintain, personalise, and improve the Platform and its content;
• send transactional and, where permitted, promotional and marketing communications;
• monitor usage and trends, prevent fraud and abuse, and ensure security; and
• comply with legal, tax (including GST), and regulatory obligations.

Marketing & Communications Consent

You opt in to receive promotional and marketing communications through WhatsApp, SMS, RCS, email, telephone, push notifications, and in-app messages when you create an account, as described in Section 11 (Communications & Marketing Consent). You may withdraw this consent (opt out) at any time as described there; we may still send you transactional and service messages.

Third-Party Services & Disclosure of Information

We may share or disclose information as follows:

• Service providers: third parties that perform services for us — including hosting, cloud storage, analytics, payment processing, customer support, communications/messaging, and marketing — receive only the data needed to perform their functions.
• Advertising & social platforms: we use platforms such as Meta (Facebook), Instagram, Google, and other advertising, analytics, and artificial-intelligence tools for marketing, advertising, and measurement; these platforms may collect or process data in accordance with their own policies.
• Authentication: when you use Google or Apple Sign-In, data may be shared with those providers to authenticate you.
• Legal & protection: we may disclose information to comply with law or legal process, enforce this Agreement, or protect the rights, property, or safety of any person.

Cookies & Analytics

The Platform may use cookies, SDKs, pixels, and similar technologies (including analytics tools such as Google Analytics and advertising pixels) to operate the Platform, remember preferences, measure performance, and support marketing. You can manage cookies through your browser or device settings.

Data Security

We use administrative, technical, and physical safeguards (including secure hosting, encryption, and access controls) to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. In the event of a personal-data breach, we will notify affected users and the Data Protection Board of India to the extent required by applicable law. Some of our processors (such as hosting, analytics, advertising, and AI providers) may operate outside India, and any transfer of personal data is made consistent with applicable law.

Data Retention

We retain personal information for as long as needed to provide the Platform, comply with our legal, tax, and accounting obligations, resolve disputes, and enforce our agreements, after which it is deleted or anonymised.

Your Rights & Account Deletion

Subject to applicable law, including the Digital Personal Data Protection Act, 2023, you have the right to access and obtain a summary of your personal data, to correct or update it, to erase it, to nominate another individual to exercise your rights, to grievance redressal, and to withdraw consent to non-essential processing at any time (as easily as it was given). You may exercise these rights, and complain to the Data Protection Board of India after using our grievance mechanism, by contacting us at passmbbs.in@gmail.com or our Grievance Officer.

You can request permanent deletion of your account from within the app or on our account deletion page. For your protection, deletion requires you to confirm the request twice, and you are responsible for requests made from your account. An account with an active paid subscription cannot be deleted; you must first cancel or allow the subscription to end, after which the account can be deleted. We verify ownership, then permanently delete your personal data, except limited transaction and tax records we are legally required to retain. Deletion is final and is not a ground for any refund.

Children

The Platform is not directed to children under 13, and we do not knowingly collect their personal information. If you are under 18, a parent or legal guardian must consent to your use of the Platform and make any purchase on your behalf. If we learn we have collected a child's data without the required consent, we will delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time for operational, legal, or regulatory reasons. We will post the updated policy on this page and update the "Last updated" date. Your continued use after changes are posted constitutes acceptance.

AI Policy

The Company uses artificial-intelligence ("AI") technologies, directly and through third-party providers, to operate, analyse, create, and improve the Platform. This AI Policy explains how we use AI and the important limits on relying on AI-assisted or AI-generated content.

How We Use AI

• Content generation, curation & enhancement: to help create, draft, summarise, format, translate, update, and improve study content so that it is accurate, relevant, and engaging.
• Analytics & personalisation: to analyse anonymised or aggregated usage (for example, via analytics tools) and to improve, prioritise, and personalise content and features.
• Marketing & engagement: to support marketing, advertising, and engagement, including through third-party AI, advertising, and social-media tools.
• Support & operations: to assist with support, moderation, and operational workflows.

Best-Efforts Basis; No Duty to Verify

AI technologies are used on a best-efforts basis. AI systems inherently and unavoidably produce errors and "hallucinations"; this is an accepted premise of using AI. All or substantially all content on the Platform may be created, augmented, or enhanced using AI. The Company does not warrant the accuracy of AI-assisted or AI-generated content and is under no obligation to human-review, verify, or correct any AI output, and the absence of any such review or verification shall not, by itself, constitute negligence or gross negligence on the part of the Company. You assume all risk of relying on any content. To the fullest extent permitted by law, the Company shall not be liable for any AI-generated or AI-augmented content, for any error, inaccuracy, or hallucination, or for any reliance on it.

Data processed by our AI systems and third-party AI providers is handled in accordance with our Privacy Policy and protected by reasonable security measures, including encryption and access controls. We continuously monitor, evaluate, and update our AI use.

Consent

By using the Platform, you consent to our use of AI technologies as described in this AI Policy. If we make a material change to how we use AI, we will update this page.