Official Legal Policy

NeuraMach AI Studio Private Limited - Subscription, Cancellation & Refund Policy

Effective Date: June 11, 2026Last Updated: June 11, 2026

ScoreVedaa CAT is a product owned and operated by NEURAMACH AI STUDIO PRIVATE LIMITED, a private limited company incorporated under the laws of India, bearing Corporate Identification Number U62099PN2025PTC245340 and operating under the brand name NeuraMach.ai.

Registered Office:

Flat No. 201, Building 1, Wing 3, The Crown Greens, Plot 17, Infotech Park, Hinjawadi, Pune, Maharashtra 411057, India.

Principal Business and Correspondence Office:

3rd Floor, Cabin No. 7, Quick Office, 301, 45 Baner Road, above Atithi Restaurant, Veerbhadra Nagar, Baner, Pune, Maharashtra 411045, India.

In this Policy, references to “ScoreVedaa”, “ScoreVedaa CAT”, “NeuraMach.ai”, “Company”, “we”, “us” or “our” mean NEURAMACH AI STUDIO PRIVATE LIMITED, unless the context requires otherwise.

This Policy explains:

  • Subscription structures;
  • Prices and recurring billing;
  • Payment authorisation;
  • Automatic renewal;
  • How a Subscription may be cancelled;
  • The effect of cancellation;
  • Circumstances in which payments are ordinarily non-refundable;
  • Limited circumstances in which a refund, reversal, extension or credit may be considered;
  • Payment disputes and chargebacks;
  • Platform-outage remedies;
  • Price changes;
  • Grievance handling; and
  • Related User responsibilities.

Please read this Policy together with the:

  • ScoreVedaa CAT Terms and Conditions;
  • ScoreVedaa CAT Privacy Policy;
  • ScoreVedaa CAT Cookie Policy;
  • ScoreVedaa CAT AI Usage Policy;
  • Applicable payment-page disclosures;
  • Applicable offer or promotional terms;
  • Institute Agreement, where applicable; and
  • Any plan-specific terms displayed before purchase.

A. SCOPE, DEFINITIONS AND GENERAL PRINCIPLES

1. Scope of this Policy

This Policy applies to paid ScoreVedaa CAT subscriptions and digital services purchased directly from the Company through:

  • The ScoreVedaa CAT website;
  • An authorised ScoreVedaa CAT application;
  • An authorised payment link;
  • An authorised payment gateway;
  • An authorised subscription interface; or
  • Another Company-approved sales channel.

This Policy primarily governs individual business-to-consumer purchases. Institute-sponsored access, bulk purchases, enterprise arrangements, scholarships, vouchers, reseller purchases or other business-to-business transactions may be governed by a separate Institute Agreement, an order form, a commercial proposal, a purchase order, promotional terms, or another written arrangement.

This Policy does not govern payments made to an unauthorised person, fraudulent recruiter, unrelated third party or platform not authorised by the Company.

2. Adult-Only Purchases

ScoreVedaa CAT is intended for individuals who have completed eighteen years of age and are legally capable of entering into a binding agreement.

An individual below eighteen years of age must not:

  • Purchase a Subscription;
  • Authorise a recurring mandate;
  • Use another person’s payment method without authority; or
  • Circumvent an age-assurance measure.

Where the Company reasonably determines that a transaction may involve unauthorised use by an individual below eighteen, it may promptly take one or more proportionate measures, including requesting verification, restricting access, cancelling unauthorised access, preventing future renewal, preserving necessary records and processing any applicable reversal or refund in accordance with Applicable Law.

3. Definitions

For this Policy:

  • “Applicable Law” means any law, rule, regulation, order, direction or legally binding requirement applicable to the Company, the User, a transaction or the relevant payment arrangement.
  • “Billing Cycle” means the period for which Subscription fees are charged, such as monthly, quarterly, annually or another period displayed before purchase.
  • “Cancellation” means an instruction that prevents future renewal of a Subscription. Cancellation does not ordinarily reverse a charge already completed.
  • “Core Services” means the material paid ScoreVedaa CAT functions included in the relevant Subscription, excluding minor features, optional integrations, beta functionality and non-essential components.
  • “Force Majeure Event” means an event beyond the Company’s reasonable control, including natural disasters, war, terrorism, civil disturbance, epidemic, Government action, judicial orders, telecommunications failure, widespread internet disruption, cyberattack, distributed denial-of-service attack, payment-network failure, electricity failure or material third-party infrastructure outage.
  • “Material Use” means material use of paid functionality, which may include taking or submitting a paid Assessment, accessing a paid report, generating or receiving paid AI analysis, using paid PRGNA functionality, accessing premium preparation recommendations, downloading paid material, or otherwise consuming a substantial paid entitlement.
  • “Payment Provider” means a bank, card network, UPI application, payment gateway, payment aggregator, wallet provider or other authorised entity involved in processing a transaction.
  • “Renewal Date” means the date on which the next recurring Subscription charge is scheduled or initiated.
  • “Service Credit” means a non-cash credit, extension or benefit issued for future or continuing ScoreVedaa CAT access.
  • “Subscription” means a paid entitlement to use specified ScoreVedaa CAT services for a stated Billing Cycle.
  • “User”, “you” or “your” means an Adult individual or authorised organisation purchasing or using a Subscription.

Capitalised terms not separately defined in this Policy have the meanings assigned in the Terms and Conditions.

4. Relationship With Other Policies

This Policy governs Subscription billing, cancellation, refunds, payment disputes and related remedies. Where provisions conflict:

  • Mandatory Applicable Law prevails.
  • A signed Institute Agreement, order form or specific written commercial arrangement governs the relevant institutional or business purchase.
  • Specific offer or promotional terms govern the relevant offer.
  • This Policy governs individual Subscription cancellation and refunds.
  • The Terms and Conditions govern general use of ScoreVedaa CAT.
  • The Privacy Policy governs Personal Data Processing.
  • The Cookie Policy governs Cookies and Similar Technologies.
  • The AI Usage Policy governs AI Features and AI Outputs.

Nothing in this Policy waives a non-excludable consumer right, prevents a User from reporting an unauthorised transaction, converts Cookie Consent into payment authorisation, constitutes AI Training Consent, constitutes provider-side model-training Consent, or authorises unrelated marketing.

B. SUBSCRIPTION PLANS, PRICING AND PURCHASE

5. Subscription Plans

ScoreVedaa CAT may offer:

  • Monthly Subscriptions;
  • Longer-term Subscriptions;
  • Non-renewing plans;
  • Trial access;
  • Promotional plans;
  • Discounted plans;
  • Institute-sponsored access;
  • Limited-feature plans;
  • Add-ons; and
  • Other plans displayed through the Platform.

The applicable purchase page will identify, as relevant: the plan, included features, Billing Cycle, Subscription price, applicable taxes, whether renewal is automatic, renewal frequency, trial period, promotional period, material usage limits, renewal price, and cancellation method. A Subscription provides access only to the services included in the purchased plan.

6. Prices and Taxes

The price payable is the price clearly displayed and affirmatively accepted at checkout, subject to applicable taxes, bank or Payment Provider charges disclosed by that provider, currency-conversion charges, promotional conditions, and corrections of manifest pricing errors.

Unless expressly stated otherwise:

  • Prices displayed to Indian consumers will indicate whether applicable GST is included;
  • The amount shown on the final payment-confirmation screen controls;
  • A promotional discount applies only for the stated period;
  • A coupon has no independent cash value;
  • A refund cannot exceed the amount actually paid; and
  • Taxes will be adjusted through an appropriate invoice, credit note or other process where required.

The Company may offer different lawful prices based on plan type, billing duration, purchase channel, institutional arrangement, launch cohort, promotion, coupon, scholarship, geographic market, tax treatment, product bundle, or timing of purchase. The Company will not manipulate pricing or discriminate between consumers in a manner prohibited by Applicable Law.

7. Affirmative Purchase Authorisation

A Subscription purchase or recurring-payment mandate will be created only through a clear affirmative action by the User or authorised payer.

The Company will not treat the following as purchase authorisation: silence, inactivity, continued browsing, a pre-selected optional purchase, a hidden checkbox, a misleading interface, or failure to reject an offer.

Before confirming a recurring Subscription, the User should review the price, Billing Cycle, renewal frequency, trial or introductory period, next charge date where displayed, renewal price, and cancellation process.

By completing the transaction, the payer confirms that the payment method is lawfully available for use, the payment information supplied is accurate, the purchase has been authorised, the Subscription terms have been reviewed, and recurring charges are authorised where automatic renewal is selected.

8. Immediate Digital Provisioning

Paid digital access may be provisioned immediately after successful payment confirmation. Because ScoreVedaa CAT provides digital access, assessments, analysis and AI-enabled functionality that may become available immediately:

  • There is ordinarily no change-of-mind refund after paid access has been provisioned;
  • Non-use or partial use does not ordinarily create a refund entitlement;
  • Immediate availability does not mean every future service for the Billing Cycle has already been fully consumed; and
  • Statutory remedies for non-delivery, duplicate charges, deficient service or other non-excludable matters remain unaffected.

A payment confirmation or successful debit does not by itself establish that access was properly provisioned. The Company may review account and transaction records where provisioning is disputed.

C. AUTOMATIC RENEWAL AND PAYMENT MANDATES

9. Automatic Renewal

Where a plan is identified as automatically renewing:

  • The Subscription will renew at the end of each Billing Cycle;
  • The applicable fee will be charged to the authorised payment method;
  • Renewal continues until cancelled, payment fails or the Subscription is otherwise terminated;
  • The renewal price may include notified price changes; and
  • Access will continue for the renewed Billing Cycle after successful payment.

Automatic renewal will not apply unless the User or authorised payer affirmatively accepted it. Banks, card issuers, UPI applications or other Payment Providers may issue advance debit notifications in accordance with their applicable framework. The Company may also provide renewal reminders where reasonably available, but failure to receive a non-mandatory Company reminder does not by itself cancel an otherwise valid mandate.

10. Payment Mandates

A recurring Subscription may use UPI AutoPay, card e-mandate, standing instruction, wallet mandate, bank mandate, or another authorised recurring-payment facility.

Depending on the Payment Provider, a User may be able to view, modify, pause, revoke, or cancel the mandate through the relevant banking or payment application. Payment Provider interfaces and processing timelines are controlled by the relevant Payment Provider. Revoking a mandate may prevent future payment, but the User should also cancel the Subscription through the ScoreVedaa CAT interface where available so that the Account status is updated correctly.

11. Failed or Pending Payments

Where a payment fails, remains pending, is reversed, is declined, is not confirmed by the Payment Provider, or cannot be reconciled, the Company may:

  • Delay provisioning;
  • Temporarily restrict paid access;
  • Request another payment method;
  • Reattempt the charge where lawfully authorised;
  • Await final Payment Provider status;
  • Cancel the renewal; or
  • Restore access after successful reconciliation.

A temporary bank debit marked as pending is not necessarily a completed payment to the Company. Where the Company does not receive the relevant funds, the User may need to contact the bank or Payment Provider for reversal timelines.

D. CANCELLATION

12. Right to Cancel Future Renewal

A User may cancel future automatic renewal at any time without a cancellation fee. Cancellation may be completed through:

  • Subscription Settings in the User’s Account, where available;
  • An authorised cancellation link;
  • The applicable mobile-application subscription interface;
  • The relevant bank, UPI application or Payment Provider mandate-management interface;
  • support@neuramach.ai where a self-service method is unavailable; or
  • Another cancellation method communicated by the Company.

The Company will not:

  • Hide the cancellation method;
  • Require unnecessary steps;
  • Use confirm-shaming;
  • Require the purchase of another service;
  • Impose an undisclosed cancellation fee; or
  • Make cancellation materially more difficult than subscribing.

The Company may request proportionate Account or transaction verification before processing a support-assisted cancellation. Where cancellation is successfully completed through a Company-controlled interface or processed by Company support, the Company will display, send or otherwise make available reasonable confirmation of the cancellation and its effective date.

13. Cancellation Timing

To prevent renewal, cancellation must be completed before the relevant renewal charge has been initiated or processed. Because Payment Providers may submit or process debit instructions before the displayed renewal time, Users are advised to cancel at least twenty-four hours before the Renewal Date.

The twenty-four-hour recommendation is intended to reduce payment-processing risk, does not impose a cancellation charge, does not remove the User’s right to prove an earlier timely cancellation, and does not permit the Company to retain a charge completed after a verified effective cancellation. The Company’s records, Payment Provider records, mandate status and cancellation timestamp may be considered when determining whether a cancellation was timely.

14. Effect of Cancellation

Unless otherwise stated:

  • Cancellation stops future renewal;
  • Cancellation does not ordinarily refund the current Billing Cycle;
  • Paid access continues until the end of the current Billing Cycle;
  • The Account may revert to a free or restricted state after expiry;
  • Previously generated information may remain available only as stated in the relevant plan and policies; and
  • Cancellation of the Subscription does not automatically delete the Account.

Account deletion and Personal Data rights are governed by the Privacy Policy.

15. Cancellation After Renewal

Where the User cancels after a renewal charge has already been validly completed:

  • The cancellation will ordinarily apply to the next renewal;
  • The renewed Billing Cycle will ordinarily remain active;
  • The renewal charge is ordinarily non-refundable; and
  • Access will ordinarily continue until the renewed period expires.

This does not apply where the charge resulted from a verified earlier cancellation, a duplicate charge, a Company or Payment Provider processing error, an unauthorised transaction, non-provisioning of the renewed service, a refund expressly approved under this Policy, or a remedy required by Applicable Law.

16. Free Trials and Introductory Offers

Where a free trial or introductory offer is provided:

  • Its duration and renewal price will be disclosed before activation;
  • Automatic conversion to a paid Subscription will occur only where affirmatively authorised;
  • The User must cancel before the disclosed conversion or Renewal Date to avoid the charge;
  • Trial eligibility may be limited to one trial per User, Account, device, payment method or household where disclosed;
  • Abuse of trial eligibility may result in cancellation; and
  • Promotional pricing may revert to the ordinary price after the promotional period.

Trial access may be withdrawn where misuse, fraud or eligibility manipulation is reasonably suspected.

E. GENERAL REFUND POSITION

17. General Non-Refundability

Except as expressly provided in this Policy or required by Applicable Law, Subscription fees are ordinarily non-refundable once payment is successfully completed and paid digital access has been provisioned.

A refund will not ordinarily be issued solely because of:

  • Change of mind;
  • A change in personal circumstances;
  • A change in study schedule;
  • Financial difficulty arising after purchase;
  • Failure to use the Subscription;
  • Partial use;
  • Lack of preparation;
  • Dissatisfaction with Assessment performance;
  • Dissatisfaction with an AI Output that does not amount to a material service deficiency;
  • Failure to achieve a target CAT score or percentile;
  • Failure to receive an interview call or admission;
  • Device incompatibility not caused by an undisclosed Platform requirement;
  • Local internet failure;
  • Failure to cancel before renewal;
  • Loss of Account credentials caused by the User;
  • Violation of the Terms;
  • Account sharing;
  • Prohibited use; or
  • Suspension or termination for material User breach.

This general rule does not exclude mandatory consumer remedies.

18. No Outcome-Based Refunds

ScoreVedaa CAT does not guarantee a CAT score, a percentile, a sectional cut-off, improvement within a specific period, an interview call, admission, scholarship, placement, selection, or any other examination or career outcome.

A User is not entitled to a refund merely because the expected outcome was not achieved. Nothing in this Section permits misleading advertising or excludes a remedy for a materially false representation prohibited by Applicable Law.

F. REFUND-ELIGIBLE OR REVIEWABLE CIRCUMSTANCES

19. Duplicate Charges

A verified duplicate charge for the same Subscription and Billing Cycle will be refunded, reversed or otherwise appropriately corrected. The User should report a suspected duplicate charge with the registered email address, transaction identifier, amount, date, payment method, bank or gateway reference, and a screenshot where available. A temporary pending debit that is automatically reversed by the Payment Provider may not require a separate Company refund.

20. Charge After Timely Cancellation

Where the Company reasonably verifies that an effective cancellation applied before the relevant renewal debit was initiated and the charge nevertheless occurred because of a Company or Payment Provider processing error, the Company will arrange an appropriate refund, reversal or payment correction within the period required by Applicable Law and the applicable payment framework.

21. Payment Completed but Access Not Provisioned

Where it is verified that:

  • The Company received the payment;
  • The paid Subscription was not provisioned;
  • The User did not receive the paid entitlement within a reasonable period;
  • The failure was attributable to the Company or its authorised provider; and
  • The issue could not be resolved through reasonable technical support,

the Company will provide an appropriate remedy, which may include access restoration, correction of the Subscription period, an extension, a Service Credit or a refund. Where the purchased service cannot be supplied or restored within a reasonable period, the Company will provide a refund to the extent required by Applicable Law.

22. Incorrect Amount or Pricing Error

Where a User is charged more than the amount affirmatively accepted at checkout because of a verified Company or Payment Provider error, the Company will refund or reverse the excess amount, or refund the full transaction where the purchase cannot reasonably be corrected.

Where an obviously incorrect price was displayed due to a manifest technical error, the Company may cancel the affected transaction, refund the amount paid, decline to provision the incorrectly priced Subscription, or offer the User an opportunity to purchase at the correct price.

23. Unauthorised Transactions

A User who believes that a transaction was unauthorised should promptly notify the relevant bank, card issuer, UPI application or Payment Provider; secure the affected payment account; notify the Company at support@neuramach.ai or security@neuramach.ai; and provide available transaction details.

The Company may restrict related access, preserve relevant records, investigate Account activity, cooperate with the Payment Provider, reverse or refund funds where appropriate, request identity or authority verification, and take steps to prevent further misuse. An unauthorised-transaction claim will be assessed according to Applicable Law, Payment Provider rules, payment authentication records, Account access records, device and network information, usage, User reports, and other available evidence. Nothing in this Policy limits the User’s rights under applicable banking or payment rules.

24. Company Cancellation or Discontinuation

Where the Company permanently cancels a paid Subscription for reasons not attributable to User breach, it will provide one or more of the following:

  • Continued access until the paid period ends;
  • A substantially equivalent replacement service;
  • A proportionate Subscription extension;
  • A Service Credit;
  • A pro-rata refund for the materially unavailable unused period; or
  • Another appropriate remedy.

Where the Company suspends or terminates access because of fraud, payment reversal, Account sharing, security abuse, intellectual-property infringement, cheating, material breach of the Terms, or other serious misconduct, fees are ordinarily non-refundable, subject to Applicable Law.

25. Material Service Deficiency

Where the Company reasonably verifies that:

  • A material part of the paid Core Services was not supplied as represented;
  • The problem was attributable to the Company;
  • The problem materially affected the paid Subscription;
  • The User reported the issue within a reasonable period;
  • The Company was unable to correct the problem within a reasonable period; and
  • Another available remedy would not reasonably address the deficiency,

the Company will provide an appropriate remedy, which may include restoration, an extension, a Service Credit, a proportionate refund or another reasonable remedy. Minor defects, isolated AI inaccuracies, planned maintenance, temporary degradation or failure of a non-essential feature will not ordinarily justify a full refund. Nothing in this Section limits remedies that cannot lawfully be excluded.

26. Accidental Renewal Review

The Company may, at its discretion, review a prompt accidental-renewal request where the request is submitted shortly after renewal, there has been no or negligible Material Use during the renewed Billing Cycle, no similar discretionary refund has recently been granted, the request appears genuine, and the refund is operationally and legally practicable. This is a goodwill review and does not create an automatic right or continuing entitlement.

G. PLATFORM AVAILABILITY AND OUTAGES

27. Platform Availability

The Company will use commercially reasonable efforts to make ScoreVedaa CAT available, but does not guarantee uninterrupted, error-free or continuous access. Availability may be affected by planned maintenance, emergency maintenance, internet failure, device or browser limitations, Payment Provider failure, cloud-provider failure, cyber incidents, Force Majeure Events, legal restrictions, or User-side technical conditions.

28. Prolonged Core-Service Outage

Where the Core Services experience a continuous, verified and substantially complete outage attributable primarily to the Company for more than forty-eight consecutive hours, the Company will ordinarily provide one or more appropriate remedies, which may include a Subscription extension reasonably corresponding to the verified outage, a proportionate Service Credit, restoration of lost access or another reasonable remedy.

Where an extension or Service Credit would not adequately address a material service deficiency, the Company may consider a proportionate refund or provide a refund where required by Applicable Law. Scheduled maintenance disclosed in advance, minor feature failures and User-side connectivity issues will not ordinarily count as a substantially complete outage.

29. Force Majeure

The Company will not be responsible for delay or failure caused by a Force Majeure Event to the extent permitted by Applicable Law. During a Force Majeure Event, the Company may suspend affected functionality, use an alternative provider, modify delivery, extend access, issue a Service Credit, restore service when reasonably possible, or provide another appropriate remedy. A Force Majeure Event does not eliminate any mandatory consumer remedy that applies despite the event.

H. REFUND PROCESSING

30. How to Request a Refund Review

A refund request should be submitted to:

support@neuramach.ai

The request should include User’s name, registered email address, Account identifier, transaction identifier, invoice or receipt, payment date, amount, payment method, reason for the request, relevant screenshots, cancellation record where applicable, and any supporting evidence.

The Company may request proportionate information necessary to verify identity, locate the transaction, review usage, confirm cancellation, confirm provisioning, investigate fraud, or prevent duplicate payment. Users should avoid sending UPI PINs, OTPs, CVVs, full card details, bank passwords, or other payment credentials.

31. Refund Review

Refund requests may be assessed using transaction records, Payment Provider status, Account access logs, feature usage, cancellation timestamps, mandate records, technical incident records, support history, applicable offer terms, fraud indicators, and Applicable Law.

The Company may approve the request, partially approve the request, reject the request, restore access, correct the Billing Cycle, issue an extension, issue a Service Credit, request more information, or refer the matter to the Payment Provider. A refund decision does not determine the User’s statutory rights.

32. Refund Amount

Where a refund is approved:

  • It will ordinarily be limited to the amount actually paid;
  • Coupon or promotional value will not be paid as cash;
  • A partial refund may reflect the used portion of the Subscription where appropriate;
  • Taxes will be adjusted as required;
  • Non-refundable bank or currency-conversion charges imposed independently by a Payment Provider may not be recoverable from the Company; and
  • Any amount already reversed or credited will be deducted.

The Company will not issue duplicate compensation for the same transaction or service period.

33. Refund Method and Timing

An approved refund will ordinarily be returned to the original payment method. Where return to the original method is not reasonably possible, the Company may use another lawful and verified method. The Company will initiate an accepted refund within a reasonable period after approval.

The time required for the amount to appear in the User’s account may depend on bank processing, card network timelines, UPI provider processing, payment gateway processing, weekends, public holidays, cross-border payment processing, and regulatory checks. The Company is not responsible for a delay occurring solely after the refund has been correctly initiated and accepted by the relevant Payment Provider, but will provide reasonable transaction information to assist the User.

34. Service Credits

A Service Credit is not cash, cannot ordinarily be withdrawn, may be limited to ScoreVedaa CAT, may have an expiry date disclosed when issued, cannot ordinarily be transferred, may be revoked if obtained through fraud, and does not replace a mandatory cash refund where Applicable Law requires one. A User may decline a discretionary Service Credit and continue to pursue an otherwise available statutory remedy.

I. PAYMENT DISPUTES AND CHARGEBACKS

35. Lawful Payment Disputes

Nothing in this Policy prevents a User from reporting an unauthorised transaction, disputing an incorrect amount, exercising rights under payment-network rules, approaching a bank or Payment Provider, filing a consumer grievance, or exercising another lawful remedy. Users are encouraged to contact the Company promptly so that the issue can be investigated and potentially resolved without unnecessary delay. Contacting the Company first is encouraged but does not waive a mandatory right.

36. Company Response to Payment Disputes

Where a chargeback, reversal or payment dispute is raised, the Company may lawfully provide relevant information to the Payment Provider, merchant bank, card network, UPI participant, acquiring bank, issuing bank, regulator, court, or other authorised recipient.

Information may include transaction records, purchase authorisation, checkout disclosures, mandate information, access and usage records, cancellation records, communications, invoice information, fraud indicators, and relevant policy terms. Such records constitute evidence to be assessed by the relevant decision-maker; they are not automatically conclusive. Personal Data used in a dispute will be processed in accordance with the Privacy Policy and Applicable Law.

37. Fraudulent or Abusive Disputes

Where a User knowingly makes a materially false chargeback claim or abuses a payment-dispute process, the Company may, subject to Applicable Law: suspend the related Account, restrict further purchases, preserve evidence, contest the chargeback, recover unpaid amounts, recover proportionate costs where legally permitted, report suspected fraud, or take other lawful action.

A chargeback will not be treated as fraudulent merely because the Company disagrees with it. Good-faith disputes, unauthorised-transaction reports and statutory complaints will not be penalised merely for being raised.

J. PRICE AND PLAN CHANGES

38. Future Price Changes

The Company may change Subscription prices for future Billing Cycles. A price change will not ordinarily alter a Billing Cycle that has already been paid. For an automatically renewing Subscription, the Company will provide reasonable advance notice before the first renewal at the changed price. Where reasonably practicable, notice will be provided at least thirty days before the changed renewal price applies.

Where the Billing Cycle or timing does not permit thirty days’ notice, the Company will provide the notice required by Applicable Law and the applicable Payment Provider framework before charging the changed amount. The User may cancel future renewal before the changed price takes effect. Continued renewal after clear notice and a valid recurring-payment authorisation may constitute acceptance of the changed price, subject to Applicable Law.

39. Plan and Feature Changes

The Company may modify plan names, limits, features or availability in accordance with the Terms. Where a Company-controlled material reduction substantially affects the Core Services included in an already-paid Subscription, the Company will provide an appropriate remedy, which may include continued access to the existing entitlement, a substantially equivalent replacement, an extension, a Service Credit, a proportionate refund or another reasonable remedy. Minor interface changes, beta changes, feature improvements and changes not materially reducing the paid Core Services do not ordinarily create a refund entitlement.

K. INSTITUTE AND THIRD-PARTY PURCHASES

40. Institute-Sponsored Subscriptions

Where an Institute purchases access for Students:

  • The Institute Agreement governs payment and cancellation between the Company and the Institute;
  • The Student may not personally be entitled to receive a refund paid by the Institute;
  • Institute access may end according to the institutional arrangement;
  • Student cancellation of an Account may not cancel the Institute’s commercial agreement; and
  • Refunds, credits and seat adjustments may be handled directly with the Institute.

Nothing in this Section limits rights that an individual Student independently holds under Applicable Law.

41. Purchases Through Third-Party Platforms

Where a Subscription is purchased through an application store, reseller, marketplace, Institute, payment partner, or another third-party sales channel, the third party’s billing and refund process may apply. The Company may not be technically able to issue a direct refund for funds collected and controlled by the third party. The User may be required to submit the request through the relevant third-party platform. This does not exclude a remedy for a service deficiency attributable to the Company.

L. PAYMENT DATA AND PRIVACY

42. Payment Information

Payment processing may involve authorised Payment Providers. The Company may process Payer name, registered contact information, transaction identifier, payment status, amount, currency, billing date, mandate reference, payment method category, invoice information, refund status, limited bank or card metadata, fraud indicators, and related communications.

The Company does not require Users to provide UPI PINs, CVVs, OTPs, bank passwords, or full payment-card credentials to the Company’s support or grievance personnel. Payment and refund Personal Data will be processed under the Privacy Policy. Payment information will not be used for identifiable AI-model training merely because a Subscription was purchased or disputed.

43. Billing Records

The Company may retain billing, invoice, cancellation, mandate, refund and dispute records for accounting, tax, audit, fraud prevention, payment reconciliation, consumer grievances, legal compliance, dispute resolution, and establishing or defending legal claims. Retention and User privacy rights are governed by the Privacy Policy and Applicable Law.

M. GRIEVANCE REDRESSAL

44. Subscription and Refund Support

For ordinary billing, cancellation or refund assistance, Users may contact:

Email: support@neuramach.ai

The User should provide sufficient information to identify the Account and transaction. Where supported, the Company may issue a complaint or reference number.

45. Grievance Officer

Payment, Subscription, cancellation and refund grievances may be submitted to:

Grievance Officer: Mr. Saurabh Sachdeo

Designation: Grievance Officer - Legal and Compliance

Company: NEURAMACH AI STUDIO PRIVATE LIMITED

Email: grievance@neuramach.ai

Phone: +91-8223815327

Address: 3rd Floor, Cabin No. 7, Quick Office, 301, 45 Baner Road, above Atithi Restaurant, Veerbhadra Nagar, Baner, Pune, Maharashtra 411045, India.

A grievance should include, where available: User name, registered contact information, Account identifier, transaction identifier, invoice, relevant date, description of the issue, cancellation proof, supporting evidence, and requested resolution.

For consumer grievances not governed by a shorter statutory period, the Company will acknowledge the grievance within forty-eight hours and resolve it within one month of receipt, subject to Applicable Law. Where Applicable Law requires a shorter period, the shorter period applies.

Where additional information is reasonably required, the Company may request it. Where exceptional complexity or dependence on a bank, Payment Provider or other third party prevents resolution within the stated period, the Company may provide the current status, the reason for delay, additional information required, and an expected completion date, without limiting a mandatory legal deadline. A User’s right to approach a consumer commission, Payment Provider, regulator or another lawful forum is not excluded.

N. CHANGES TO THIS POLICY

46. Policy Changes

The Company may update this Policy to reflect legal changes, payment-framework changes, new Subscription plans, new Payment Providers, new cancellation functionality, pricing changes, refund-process changes, product changes, security improvements, or clarifications.

The updated Policy will display a revised version number, an effective date, and a last-updated date. A material change affecting an existing automatically renewing Subscription will be notified before it applies where required by Applicable Law.

A Policy update will not retrospectively authorise a disputed charge, remove an accrued statutory right, convert a non-renewing plan into an auto-renewing plan without affirmative authorisation, authorise identifiable AI-model training, or validate a charge made after an effective cancellation. Non-material clarifications may take effect upon publication. Earlier versions may be retained for legal, audit, evidentiary and dispute-resolution purposes.

O. CONTACT INFORMATION

47. Contact Details

Legal Entity: NEURAMACH AI STUDIO PRIVATE LIMITED

Brand: NeuraMach.ai

Product: ScoreVedaa CAT

CIN: U62099PN2025PTC245340

Website: scorevedaa.in

Registered Office: Flat No. 201, Building 1, Wing 3, The Crown Greens, Plot 17, Infotech Park, Hinjawadi, Pune, Maharashtra 411057, India.

Principal Business and Correspondence Office: 3rd Floor, Cabin No. 7, Quick Office, 301, 45 Baner Road, above Atithi Restaurant, Veerbhadra Nagar, Baner, Pune, Maharashtra 411045, India.

Subscription and Billing Support: support@neuramach.ai

Privacy: privacy@neuramach.ai

Security: security@neuramach.ai

Grievance: grievance@neuramach.ai

Legal: legal@neuramach.ai

Telephone: +91-8223815327

Grievance Officer

Name: Mr. Saurabh Sachdeo

Designation: Grievance Officer - Legal and Compliance

Email: grievance@neuramach.ai

Phone: +91-8223815327