Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the website and application examophobia.com and the brand "Examophobia", owned and operated by Argasia Education Private Limited ("Company", "we", "us", "our"). By creating an account, purchasing a plan or using the service, you agree to these Terms. If you do not agree, please do not use the service.

1. The Service

Examophobia is a digital exam-preparation platform that provides AI-powered answer-writing practice and evaluation, mock tests, practice/previous-year questions, scores, feedback and performance tracking for UPSC, IAS, IFoS and State PCS examinations. The service is delivered online as a digital subscription/credit-based product.

2. Eligibility & Account

• You must be at least 18 years old, or use the service under the supervision and consent of a parent/guardian.
• You must provide accurate information and keep your account credentials confidential. You are responsible for all activity under your account.
• Accounts are for individual use. Sharing, reselling or transferring access is not permitted.

3. Plans, Pricing & Payments

• Access to paid features requires purchase of a subscription or credits. Prices, inclusions and validity are shown at the time of purchase and may change for future purchases.
• Payments are processed through third-party payment gateways (such as Paytm). By paying, you also agree to the gateway's terms. Applicable taxes are charged as per law.
• Unless expressly stated as auto-renewing at checkout, plans do not auto-renew; you will need to renew manually.
• Refunds and cancellations are governed by our Refund & Cancellation Policy.

4. Acceptable Use

You agree not to: misuse, disrupt, reverse-engineer, scrape, or attempt unauthorised access to the platform; upload unlawful, infringing or offensive content; use the service to cheat in any actual examination; or use automated means to extract content. We may suspend or terminate accounts that violate these Terms.

5. Intellectual Property

All content on the platform — including questions, model points, software, design, AI-generated feedback and the Examophobia brand — is owned by or licensed to Argasia Education Private Limited and is protected by law. You receive a limited, personal, non-transferable licence to use it for your own preparation. You retain ownership of the original answers you write, and you grant us a licence to process and store them to provide and improve the service.

6. Nature of AI Feedback & No Guarantee of Results

Scores, evaluations and suggestions are generated by automated/AI systems for practice and learning purposes only. They are not official evaluations by UPSC or any State Public Service Commission, and may contain errors or limitations. We do not guarantee any particular score, rank, selection or examination outcome from using the service.

7. Third-Party Links & Services

The platform may link to or rely on third-party websites and services (including payment gateways and AI providers). We are not responsible for their content or practices, and your use of them is at your own risk and subject to their terms.

8. Disclaimers & Limitation of Liability

The service is provided on an "as is" and "as available" basis without warranties of any kind. To the maximum extent permitted by law, Argasia Education Private Limited shall not be liable for any indirect, incidental, special or consequential damages, or for loss of data, profits or opportunity. Our total liability for any claim shall not exceed the amount you paid to us for the service in the three (3) months preceding the claim.

9. Termination

You may stop using the service at any time. We may suspend or terminate access for breach of these Terms, suspected fraud or misuse, or as required by law. Provisions that by their nature should survive termination will survive.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts at Uttar Pradesh, India.

11. Changes to these Terms

We may revise these Terms from time to time. The "Last updated" date reflects the latest version. Continued use after changes means you accept the revised Terms.

12. Contact Us