Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of SKEP, a platform operated by Rezolut Education Technologies Pvt. Ltd. (“SKEP”, “we”, “us”, or “our”).

These Terms apply to our websites, web applications, mobile applications, APIs, cloud-based services, SKEP-powered customer applications, communities, integrations, products and related services (collectively, the “Services”).

By creating an account, purchasing or subscribing to a Service, accessing a SKEP-powered application, or otherwise using the Services, you agree to these Terms. If you do not agree to these Terms, you should not access or use the Services.

1. About SKEP

SKEP is a technology platform designed to help coaches, consultants, trainers, mentors, educators, subject-matter experts, creators, institutions, enterprises and other organisations create, manage, deliver and grow knowledge-led businesses, learning experiences and communities.

Depending on the plan, product or configuration selected, SKEP may provide features including:

• websites and landing pages
• mobile and web applications
• customer-branded applications
• courses and learning content
• live sessions, meetups, webinars and events
• memberships and subscriptions
• communities and spaces
• feeds, discussions and posts
• chat and messaging
• articles and knowledge bases
• product and programme pages
• audience and member management
• team roles and permissions
• payments, orders, earnings and payouts
• analytics and reporting
• notifications and communications
• integrations and automation
• APIs and connected services
• other related functionality

The exact features available to you may depend on your subscription, role, region, customer configuration or application.

2. Definitions

“Creator” means a coach, trainer, consultant, mentor, educator, institution, business, organisation or other customer using SKEP to create or provide content, programmes, memberships, communities, events, products or services.

“End User” means a learner, member, participant, customer, employee, student or other individual accessing content or services offered by a Creator through SKEP.

“Customer” means any person or organisation purchasing, subscribing to, configuring or operating SKEP Services.

“Customer Application” means an application, website or digital experience powered by SKEP but branded for or operated on behalf of a Customer.

“Content” means text, documents, videos, audio, images, course material, posts, comments, messages, files, assessments, articles, programmes and other material made available through the Services.

“User”, “you” or “your” means any person or entity accessing or using the Services.

3. Eligibility

You must have the legal capacity to enter into a binding agreement to use the Services independently.

Where a user is below the age at which independent consent or contracting is permitted under applicable law, use of the Services must occur with appropriate permission or consent from a parent, lawful guardian, institution or other authorised party, as applicable.

Customers offering programmes or services to children are responsible for ensuring that they have obtained any consent, authorisation or verification required by applicable law.

SKEP may request information reasonably necessary to verify eligibility, identity or authority.

4. Account Registration

You agree to:

• provide accurate, current and complete information
• keep your account information updated
• maintain the confidentiality of your login credentials
• not share your account with unauthorised persons
• promptly notify us of suspected unauthorised access
• accept responsibility for activity occurring through your account where permitted by law

You may not:

• impersonate another person
• create an account using false information
• create accounts for fraudulent or unlawful purposes
• access another person’s account without authorisation
• circumvent authentication or security controls

We may suspend or restrict an account where we reasonably believe its security has been compromised.

5. SKEP-Powered and Customer-Branded Applications

SKEP may provide, host, operate or support Customer Applications for Creators and other Customers.

A Customer Application may display the Customer’s:

• name
• logo
• colours
• domain
• programmes
• courses
• memberships
• communities
• other branding

Depending on the arrangement:

• SKEP may provide the underlying software, hosting, account systems, security, communications, analytics and other technology
• the Customer may control the programmes, content, pricing, memberships, communities and customer relationship
• SKEP and the Customer may have separate responsibilities relating to users and personal data

Use of a Customer Application may also be subject to additional terms issued by the relevant Customer. Where Customer-specific terms conflict with these Terms regarding SKEP’s technology, intellectual property, platform restrictions or legal rights, these Terms will govern to the extent of the conflict unless SKEP expressly agrees otherwise in writing.

6. Relationship Between SKEP, Creators and End Users

SKEP primarily provides technology that enables Creators and Customers to offer their own programmes, content and services.

Unless SKEP expressly states otherwise:

• the Creator is responsible for the Content and programme it provides
• the Creator determines its own pricing, programme terms and delivery obligations
• the Creator is responsible for claims it makes to End Users
• contracts for a Creator’s coaching, course, membership or other service may be between the Creator and the End User
• SKEP does not guarantee the quality, accuracy or effectiveness of a Creator’s services
• SKEP is not responsible for professional, educational, business, financial, health or other outcomes promised by a Creator

SKEP may facilitate the transaction, access, hosting or delivery infrastructure without becoming the provider of the Creator’s underlying professional service.

7. Creator and Customer Responsibilities

A Creator or Customer must:

• provide lawful and accurate Content
• honour commitments made to End Users
• comply with applicable consumer, advertising, education, privacy and other laws
• ensure it has rights to upload and distribute its Content
• provide required disclosures to End Users
• obtain required consents
• maintain accurate pricing and programme information
• provide appropriate customer support
• comply with refund and cancellation obligations applicable to its offering
• protect End User information to which it has access
• maintain appropriate access and permissions for team members
• use SKEP only for legitimate purposes

Creators must not make false or misleading claims regarding:

• guaranteed income
• guaranteed employment
• investment returns
• health outcomes
• certifications
• regulatory recognition
• examination results
• other results that cannot reasonably be guaranteed

8. End User Responsibilities

End Users agree to:

• use Content only for authorised purposes
• respect the intellectual property of SKEP and Creators
• not share paid access with unauthorised persons
• not redistribute restricted Content
• behave appropriately in communities and communications
• provide accurate information where required
• comply with applicable programme rules and these Terms

An End User’s dispute concerning the substance, quality or delivery of a Creator’s programme should ordinarily be raised with the relevant Creator first.

9. Acceptable Use

You must not use the Services to:

• violate any applicable law
• commit fraud
• impersonate another person or entity
• harass, threaten or abuse another user
• distribute malware or harmful code
• interfere with platform security
• gain unauthorised access to systems or accounts
• scrape, crawl or extract platform data using unauthorised automated methods
• reverse engineer or attempt to derive SKEP source code except where expressly permitted by law
• spam users
• distribute unlawful, infringing or deceptive material
• exploit minors
• publish intimate or private material without appropriate consent
• facilitate prohibited transactions
• circumvent usage limits, security mechanisms or payment controls
• use the Services in a manner that materially harms SKEP, its infrastructure or other users

10. Prohibited Content

You must not upload, publish, distribute or promote Content that:

• is unlawful
• infringes intellectual property rights
• is defamatory where prohibited by law
• promotes fraud or deceptive practices
• contains malware
• exploits children
• unlawfully discloses personal information
• facilitates criminal activity
• violates applicable platform, payment or app-store requirements
• otherwise violates these Terms

SKEP may remove or restrict access to Content where reasonably necessary to comply with law, platform rules, legal process or these Terms.

11. User-Generated Content

Users may be able to post Content within communities, feeds, chats, spaces or other interactive areas. You retain ownership of Content you create, subject to rights you grant to SKEP under these Terms.

By uploading Content, you grant SKEP a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, display, transmit and technically modify such Content solely as reasonably necessary to:

• operate the Services
• deliver it to authorised users
• create technical copies
• optimise media
• provide backups
• secure the platform
• comply with legal obligations

You represent that you have all rights and permissions necessary to upload the Content. This licence ends when the Content is deleted from active systems, subject to reasonable backup, archival and legal retention requirements.

12. SKEP Intellectual Property

SKEP and its licensors retain all rights in the SKEP platform, including:

• software
• source code
• object code
• APIs
• user interfaces
• platform design
• trademarks
• logos
• documentation
• databases
• workflows
• platform architecture
• proprietary technology

Except for the limited right to use the Services under these Terms, no intellectual property rights are transferred to you. You may not use SKEP branding in a manner that suggests sponsorship, ownership or endorsement without prior written permission.

13. Customer Content and Branding

Customers retain rights in their own Content, trademarks and branding.

By providing such material to SKEP, the Customer grants SKEP the rights reasonably necessary to:

• host and display the material
• configure Customer Applications
• operate websites and landing pages
• provide the Services
• distribute approved applications
• perform related technical functions

The Customer represents that it has all rights necessary to grant these permissions.

14. Third-Party Intellectual Property Complaints

If you believe Content available through SKEP infringes your intellectual property rights, contact legal@skep.in.

Your notice should contain sufficient information to:

• identify the protected work
• identify the allegedly infringing material
• identify its location
• explain your rights
• provide your contact information
• enable SKEP to reasonably assess the complaint

SKEP may remove or restrict access to disputed Content where appropriate.

15. Subscription Plans

Certain SKEP features may require a paid subscription.

Subscription terms may include:

• plan duration
• fees
• user limits
• usage limits
• feature availability
• storage
• support levels
• other plan-specific conditions

The applicable commercial terms will be those displayed or agreed when the Customer subscribes, unless replaced by a separate written agreement.

SKEP may offer:

• free plans
• trials
• monthly plans
• annual plans
• custom enterprise plans
• other subscription arrangements

16. Changes to Plans and Features

SKEP may modify features, plan structures or usage limits as the Services evolve. Where a change materially affects a paid subscription, we may provide reasonable notice where appropriate.

We may:

• add features
• retire features
• replace integrations
• change limits
• modify technical requirements
• introduce new plans

Material commercial changes will generally apply prospectively unless required sooner for security, law, platform-policy compliance or technical reasons.

17. Fees, Taxes and Billing

You agree to pay fees applicable to the plan, product or transaction you purchase.

Unless otherwise stated:

• prices may exclude applicable taxes
• taxes may be added where required
• fees must be paid in the specified currency
• overdue amounts may result in suspension
• payment processing may be performed by third parties
• payment-provider terms may apply

Customers are responsible for providing accurate billing information.

18. Razorpay and Payment Processing

SKEP currently uses Razorpay to facilitate certain transactions. Razorpay or participating banks/payment providers may process payment credentials and authentication information directly.

SKEP may receive information such as:

• transaction ID
• payment status
• amount
• payment method category
• refund status
• settlement information

Use of Razorpay may also be subject to Razorpay’s own terms and policies. SKEP may add, replace or remove payment providers from time to time.

19. Apple App Store and Google Play Payments

Where SKEP or a Customer Application is distributed through an app store, purchases made inside the application may be subject to the payment rules of the relevant app store.

Accordingly:

• available payment methods may differ by platform
• app-store billing rules may affect how subscriptions are purchased or managed
• the app store may process payments directly
• app-store terms may apply in addition to these Terms
• refunds for app-store purchases may, where applicable, be processed under the relevant app-store rules

20. Auto-Renewing Subscriptions

Where a subscription automatically renews, material information regarding the subscription should be presented at purchase, including where applicable:

• price
• billing frequency
• renewal terms
• how cancellation can be requested

Where a subscription is purchased through Apple or Google, cancellation may need to be managed through the user’s Apple ID or Google Play account.

21. Creator Sales and End-User Transactions

Where a Creator sells courses, memberships, events or other services using SKEP:

• the Creator is responsible for the description and delivery of the offering
• the Creator is responsible for lawful pricing and claims
• applicable taxes may be the Creator’s responsibility
• the Creator is responsible for its own refund obligations unless SKEP expressly handles them
• SKEP may facilitate collection, settlement or reporting
• SKEP may deduct applicable platform, payment or transaction charges where agreed

SKEP may place holds, delay settlements or request verification where reasonably necessary for:

• suspected fraud
• chargebacks
• disputes
• compliance
• regulatory requirements
• payment-provider requirements

22. Refunds and Cancellations

Refund eligibility may depend on:

• the SKEP subscription purchased
• Creator-specific terms
• the type of product
• the payment method
• applicable consumer law
• app-store rules
• any refund policy separately published by SKEP or the Creator

Where a separate Refund Policy applies, it is incorporated into these Terms by reference. Nothing in these Terms limits mandatory consumer rights that cannot lawfully be excluded.

23. Earnings and Payouts

Where SKEP supports Creator earnings or payouts:

• payout amounts may reflect refunds, taxes, payment charges, platform fees, chargebacks and adjustments
• identity, bank or tax verification may be required
• payout schedules may vary
• payouts may be delayed where required for compliance or fraud review
• Customers are responsible for accurate payout information

SKEP is not responsible for delays caused solely by banks, payment processors or inaccurate information supplied by the Customer.

24. Chargebacks and Payment Disputes

If a transaction is disputed or charged back:

• SKEP may provide transaction evidence to the payment provider
• amounts may be deducted from Creator earnings or future settlements where contractually permitted
• access to disputed products may be suspended
• SKEP may request information from the relevant Customer or User
• repeated or fraudulent chargebacks may result in account restriction

25. Taxes

Users and Customers are responsible for taxes applicable to their own business activities unless applicable law requires SKEP to collect, deduct or remit them.

SKEP may:

• collect applicable GST or other taxes
• issue invoices
• request tax details
• deduct or withhold amounts where legally required
• maintain transaction records for legal and accounting purposes

26. Privacy and Data Protection

Use of the Services is subject to the SKEP Privacy Policy. The Privacy Policy explains how SKEP collects, uses, shares, stores and protects personal data. Customers processing personal data through SKEP are responsible for complying with applicable data-protection laws in relation to processing they control. Where appropriate, separate data-processing terms or a Data Processing Addendum may apply.

27. Children’s Data

Where a Customer provides programmes or Services to children, the Customer must comply with applicable child privacy, safety, consent and consumer requirements. Where legally required, the Customer must obtain verifiable consent from a parent or lawful guardian.

Customers must not use SKEP to unlawfully:

• profile children
• target children with prohibited advertising
• exploit children’s data
• expose children to inappropriate Content

28. Communications

By using SKEP, you may receive operational communications relating to:

• account activity
• payments
• security
• programmes
• memberships
• events
• support
• system changes
• other Service functionality

Where legally permitted, we may also send promotional communications. You may opt out of marketing communications, but not essential operational or transactional communications.

29. Third-Party Services

SKEP may integrate with third-party services such as:

• Razorpay
• video-conferencing services
• analytics tools
• authentication services
• messaging tools
• app stores
• social networks
• other external platforms

Third-party services are governed by their own terms and policies. SKEP is not responsible for the independent acts or failures of third-party services outside SKEP’s reasonable control.

30. APIs and Integrations

Where SKEP provides APIs or integrations, Customers must:

• use them only as authorised
• protect API credentials
• not exceed applicable rate limits
• not interfere with infrastructure
• not use APIs to unlawfully extract data
• comply with documentation and security requirements

SKEP may revoke API access where necessary for security, misuse or compliance.

31. Service Availability

SKEP aims to provide reliable Services but does not guarantee uninterrupted availability.

The Services may be affected by:

• maintenance
• updates
• internet outages
• cloud-provider incidents
• third-party integrations
• security events
• app-store issues
• force majeure
• other technical circumstances

We may perform scheduled or emergency maintenance as reasonably necessary.

32. Beta and Experimental Features

SKEP may provide beta, preview or experimental functionality.

Such features may:

• change without notice
• contain errors
• be discontinued
• have limited support
• operate differently from production features

Unless expressly agreed otherwise, beta features are provided on an “as available” basis.

33. Account Suspension

SKEP may suspend or restrict access where reasonably necessary because of:

• unpaid fees
• security concerns
• suspected fraud
• unlawful use
• serious breach of these Terms
• abuse of the platform
• legal requirements
• payment-provider requirements
• app-store requirements
• material risk to users or infrastructure

Where appropriate, we may provide notice and an opportunity to remedy the issue. Immediate action may be taken where necessary for security, legal compliance or prevention of harm.

34. Termination by the User

Users may stop using the Services at any time.

Customers may cancel subscriptions subject to:

• their billing cycle
• applicable plan terms
• outstanding fees
• notice requirements
• app-store subscription rules
• any separate commercial agreement

Cancellation does not automatically entitle a Customer to a refund unless required under applicable law or applicable refund terms.

35. Termination by SKEP

SKEP may terminate an account where:

• a material breach is not remedied
• fraudulent or illegal conduct occurs
• repeated violations occur
• payment obligations remain unpaid
• continued service creates material security or legal risk
• we are legally required to terminate access

Termination does not affect rights or payment obligations accrued before termination.

36. Data Following Termination

Customers are responsible for exporting Content or data they wish to retain before termination where export functionality is available.

After termination, SKEP may retain or delete information in accordance with:

• the Privacy Policy
• applicable law
• backup cycles
• accounting requirements
• security requirements
• dispute-resolution needs
• contractual obligations

SKEP does not guarantee indefinite storage following account termination.

37. Account Deletion

Users may request account deletion through available account controls or designated deletion mechanisms.

Account deletion may result in loss of access to:

• Content
• communities
• courses
• memberships
• learning progress
• communications
• transaction-linked functionality

Certain legally required records may be retained as described in the Privacy Policy.

38. Disclaimer of Creator Results

SKEP does not guarantee:

• income
• revenue
• employment
• business growth
• examination outcomes
• certification acceptance
• investment performance
• customer acquisition
• professional success
• any other specific outcome from using Creator Content or SKEP

Any such claim made by a Creator is the responsibility of that Creator unless expressly endorsed in writing by SKEP.

39. Disclaimer of Warranties

To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis.

SKEP does not warrant that:

• the Services will always be uninterrupted
• all errors will be corrected immediately
• every integration will remain available
• the Services will meet every individual business requirement
• third-party Content or services will be accurate or reliable

Nothing in this clause excludes warranties or statutory protections that cannot lawfully be excluded.

40. Limitation of Liability

To the maximum extent permitted by applicable law, SKEP shall not be liable for indirect, incidental, special, consequential or punitive damages arising from use of the Services, including loss of profits, revenue, goodwill, business opportunity, data or anticipated savings, except where such exclusion is prohibited by law.

Where legally permitted, SKEP’s aggregate liability arising from the Services will not exceed the fees paid by the affected Customer to SKEP for the relevant Service during the six months immediately preceding the event giving rise to the claim. This limitation does not apply where liability cannot lawfully be limited or excluded.

41. Indemnity

To the extent permitted by law, a Customer or Creator agrees to indemnify and hold harmless SKEP and Rezolut Education Technologies Pvt. Ltd. from third-party claims, losses or expenses arising from:

• Content uploaded by that Customer
• infringement of third-party rights
• unlawful use of the Services
• violation of applicable law
• misleading claims made to End Users
• failure to obtain required permissions or consents
• breach of these Terms

This clause will apply only to the extent legally enforceable.

42. Force Majeure

SKEP will not be liable for delay or failure caused by events beyond its reasonable control, including:

• natural disasters
• war
• civil unrest
• government actions
• internet or telecommunications failures
• major cloud-provider outages
• cyberattacks
• labour disruptions
• epidemics
• regulatory changes
• similar events

43. Changes to the Services

SKEP may update, modify, suspend or discontinue Services or features. Where reasonably practicable, we will provide notice before materially discontinuing a paid feature.

Changes required for:

• security
• law
• app-store compliance
• payment compliance
• urgent technical reasons

may take effect without advance notice.

44. Changes to These Terms

We may update these Terms from time to time.

Material changes may be communicated through:

• the SKEP platform
• Customer Applications
• email
• our website
• another appropriate method

The “Last Updated” date identifies the most recent version. Continued use after changes take effect constitutes acceptance where permitted by law. Where applicable law requires express consent to a material change, we will request it.

45. Electronic Communications

You agree that agreements, notices, invoices, disclosures and other communications may be provided electronically where permitted by law.

Electronic communications may include:

• email
• in-app notices
• dashboard notifications
• other electronic means

46. Assignment

You may not assign your rights or obligations under these Terms without SKEP’s prior written consent, except where applicable law provides otherwise.

SKEP may assign these Terms in connection with:

• a merger
• corporate restructuring
• acquisition
• sale of business or assets
• transfer to an affiliate

subject to applicable law.

47. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect. The invalid provision will be interpreted or modified to the minimum extent necessary to make it enforceable where legally permitted.

48. No Waiver

Failure by SKEP to enforce any provision does not constitute a waiver of that provision or any other right.

49. Entire Agreement

These Terms, together with applicable:

• Privacy Policy
• Refund Policy
• subscription or order terms
• Customer agreement
• Data Processing Addendum
• app-specific terms
• policies incorporated by reference

constitute the agreement between you and SKEP concerning the applicable Services. Where a separately signed agreement conflicts with these Terms, the separately signed agreement will prevail to the extent of that conflict.

50. Grievance and Legal Contact

For complaints, legal notices or questions relating to these Terms, contact:

Legal / Grievance Contact: Legal Team
Email: legal@skep.in

Rezolut Education Technologies Pvt. Ltd.
Unit 103, 1st Floor, Pankaj Building, Wing B,
Plot No. 1, Behind Ice Factory,
Off Chandivali Farm Road, Chandivali,
Mumbai – 400072, Maharashtra, India.

51. Governing Law

These Terms shall be governed by the laws of India. Nothing in these Terms limits mandatory statutory rights available under applicable consumer, privacy or other laws.

52. Dispute Resolution

52.1 Amicable resolution

The parties will first make reasonable efforts to resolve disputes amicably. A written dispute notice may be sent to legal@skep.in. The notice should describe the dispute, relevant facts and the relief requested.

52.2 Arbitration

If a dispute capable of arbitration cannot be resolved amicably, it shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties. Where the parties cannot agree on an arbitrator, appointment shall be made in accordance with applicable law.

52.3 Seat and venue

The seat and legal place of arbitration shall be Mumbai, Maharashtra, India. Hearings may take place physically, virtually or through a combination of both.

52.4 Language

The language of arbitration shall be English.

52.5 Courts

Subject to arbitration and mandatory statutory jurisdiction, courts of competent jurisdiction in Mumbai, Maharashtra, India shall have jurisdiction over disputes arising from these Terms.

52.6 Statutory rights

Nothing in this dispute-resolution clause prevents a user from exercising any statutory right that cannot lawfully be waived, including rights under applicable consumer or data-protection law.

53. Contact Us

Rezolut Education Technologies Pvt. Ltd.
SKEP

Legal / Grievance: legal@skep.in
Support: support@skep.in

Corporate Office:
Unit 103, 1st Floor, Pankaj Building, Wing B,
Plot No. 1, Behind Ice Factory,
Off Chandivali Farm Road, Chandivali,
Mumbai – 400072, Maharashtra, India.

© 2026 Rezolut Education Technologies Pvt. Ltd. All rights reserved.