Terms of Service

1. Accounts and eligibility

You must be at least 18 years old to create an account or use CharterPrep.AI. The service is intended only for adults aged 18 and over. We do not offer accounts for users under 18, including with parental permission. At sign-up, you must affirm that you are at least 18 years old. This is a self-declaration, not independent identity or age verification. Any stricter requirement imposed by applicable law or an app store still applies. See the matching age policy in our Privacy Policy.

By using CharterPrep, you agree to these terms for your use of the service. If you do not agree, do not use the service. The person authorising a payment must have legal capacity and authority to do so.

Provide accurate account information, protect your password and use your own account. Do not share login credentials or allow others to impersonate you. Contact us if you suspect unauthorised access. Never send us your password, verification code or full payment credentials.

2. What the service provides

CharterPrep is an independent study aid. It is not affiliated with or endorsed by ICAI or ICSI. Syllabus tracking, schedules, flashcards, chapter tests, mock exams, readiness views and training resources help organise preparation; they do not replace official study material, instruction or eligibility requirements.

Readiness indicators reflect the information and practice activity available to the app. They are not a prediction or guarantee of passing, marks, a qualification, an articleship or employment. Check examination dates, syllabus changes, amendments and academic requirements against current ICAI or ICSI publications.

The public preparation check and sample previews can be viewed without an account or payment. Workspace tools require an account and the trial, beta/referral or subscription access applicable to your account. Availability of a preview does not grant paid access.

3. AI answers and evaluations

CharterBot, Snap Solve, generated plans, questions, explanations and answer evaluations may contain mistakes, omissions or outdated information. An AI evaluation is practice feedback, not an official examination result. Verify important answers, calculations and legal or tax references against current official material before relying on them.

Give enough question and course context for a useful answer. Do not upload another person's confidential information or material you are not authorised to share. AI output is educational assistance, not personalised legal, tax or financial advice. AI services depend on external providers and may be unavailable, delayed or subject to usage limits. Access to a plan does not promise unlimited AI requests or uninterrupted responses.

4. Plans, trials and renewal

The current base subscription prices, excluding GST, are:

There is no Essential annual plan currently offered. Consult Plans and pricing for included features. The displayed base prices exclude GST. GST registration has been issued. Live GST billing is being configured. Once registration is effective and tax billing is enabled, GST will be added where legally applicable. The applicable GST amount and final payable total will be disclosed before payment authorisation, and the GST breakdown will be shown on the tax invoice. The total payable, payment schedule and any immediate charge must be shown before you authorise payment. These terms do not activate a payment method that is unavailable in the app.

Advance notice before GST is first added

Before GST is first added as an extra charge to an existing subscriber's renewal, we will email the account's registered email address at least 14 calendar days before the first affected renewal charge. The email will state the current price, applicable GST rate and amount, new total payable, first affected renewal date and billing interval, and how to cancel renewal in Manage membership or obtain cancellation support at help@charterprep.ai before that charge. Cancellation stops future renewals once confirmed; access continues until the recorded paid-access expiry. We will not make an additional GST debit against an existing subscriber before this notice period has elapsed. Any tax obligation arising during the notice period will be handled without an unexpected additional debit to that subscriber.

A notice email or these Terms does not increase your payment mandate or replace consent required by your bank or payment provider. If the higher total requires a new subscription, fresh mandate or additional authentication, we will ask you to complete it before charging that higher total. We will not treat silence as fresh payment authorisation or retrospectively add GST to an already paid billing period. Where the required authorisation is not completed, we will not debit the higher amount; we will explain the renewal options and preserve access already paid for.

Eligible website accounts can choose Essential or Pro with a three-day Pro trial when offered at checkout. AutoPay authorisation is required before that trial unlocks; the exact GST-inclusive total and first-charge date appear before authorisation. The chosen plan is charged at the displayed trial end unless cancelled beforehand. Razorpay may make a small verification debit that it automatically refunds; this is separate from the plan fee. Study-content downloads and printing are disabled during trials; personal-data export remains available. Existing card-free previews and beta/referral access keep their original terms. Google Play purchases follow the offers and terms displayed by Google Play. Normal AI limits apply. The fixed trial end is calculated when checkout is prepared; authorise promptly within the displayed 15-minute checkout window. Cancelling does not remove verified trial access before its recorded end. Payment authorisation does not guarantee that a later bank debit will succeed; if the trial expires without a verified paid period, paid features are locked and saved study records remain. Declined, pending or failed payments do not unlock paid access.

Where recurring payments are enabled and authorised, the subscription renews at the interval and amount presented during authorisation until cancelled. Upgrading an active Essential subscription to Pro can start immediately with a new prorated charge shown before authorisation. Review the upgrade amount and renewal schedule before confirming.

Future price or material plan changes will be communicated as required. We will not treat this page as authorisation for an undisclosed charge. Payments made through an app store are also subject to that store's applicable purchase and cancellation process.

5. Cancellation, billing problems and refunds

Cancel future renewal through the purchase channel and wait for confirmation. Verified access continues to the recorded expiry; cancellation does not automatically refund a captured payment. There are no routine change-of-mind, unused-access or partial-period refunds. Billing errors, undelivered access, applicable law and binding payment-channel rules are handled under the documented exceptions.

The Cancellation and Refund Policy gives the exact website and Google Play cancellation paths, reporting window, acknowledgement deadline and approval-based refund timetable in one place. If cancellation fails, contact help@charterprep.ai promptly.

6. Your content, privacy and account deletion

You retain your rights in the notes, answers and other original study content you submit. You give CharterPrep permission to store, process and transmit that content only as needed to provide, secure and support the service as described in our Privacy policy, including processing by AI providers when you use AI features. These terms do not grant permission to sell your private study content.

Only submit content you are entitled to use. Keep copies of work important to you and use the app's account/data export option where available. To delete your account, follow the account deletion instructions. Limited records may need to be retained for security, fraud prevention or legal and accounting obligations as explained in the privacy policy. Deleting an account is not a substitute for checking cancellation of an external payment mandate or app-store subscription.

7. Responsible use and app materials

You may use CharterPrep for your personal study, subject to your account's access conditions. App branding, interface and original service materials remain protected by their owners' rights. Official institute and third-party materials remain the property of their respective owners. ICAI, ICSI and related names and marks belong to their respective owners and are used only to identify the exams.

• Do not access another student's records or an owner's restricted tools without permission.
• Do not bypass subscription checks, usage limits or security measures, or exploit referral and trial grants.
• Do not upload unlawful or harmful content, malware or material that infringes another person's rights.
• Do not use the service to facilitate cheating, impersonation or disruption of an examination.
• Do not scrape private data, resell account access or deliberately overload the service.

8. Availability and account restrictions

We work to keep CharterPrep useful and reliable, but maintenance, network problems and external provider failures can interrupt features. Offline use and synchronisation are limited to what the app explicitly supports. Save or export important work and check sync status before relying on it on another device.

We may proportionately restrict access to address misuse, a security risk or a legal obligation. Where appropriate, we will explain the restriction and provide a way to contact support. You may challenge an apparent mistake by emailing us. Restrictions do not remove any refund or other remedy you are entitled to by law.

9. Liability and mandatory rights

To the maximum extent permitted by applicable law, Sudhanva Venkataramana Rajeev's total aggregate liability to you arising out of or relating to CharterPrep.AI is limited to the fees you actually paid to Sudhanva Venkataramana Rajeev for the service during the 12 months immediately preceding the event giving rise to the claim.

This cap does not apply to fraud, wilful misconduct, gross negligence, or any liability that cannot lawfully be excluded or limited. It does not limit statutory refunds, compensation or other remedies available under applicable consumer protection law, or any other non-excludable rights, including those of free or trial users. The 12-month period is used only to calculate the cap; it does not shorten any legal period for bringing a claim.

10. Complaints and escalation

1. Contact support first: email help@charterprep.ai with your account email, the relevant feature or transaction reference, what happened and the outcome you are requesting. Do not send passwords, verification codes, reset links or full payment details. We respond to support enquiries and grievances within 24 hours.
2. Request grievance review: if you have not received a response within 24 hours or are dissatisfied with it, reply to the same email thread with the subject Grievance escalation and ask for review by the person responsible for grievance handling at Sudhanva Venkataramana Rajeev. Both support and grievance review use the same inbox. We respond to the escalation within 24 hours and redress consumer complaints within one month from receipt of the original complaint, or sooner where the law requires. A response is not a promise that every issue can be fully resolved within 24 hours.
3. External remedies: if the issue remains unresolved, you may approach the National Consumer Helpline or the competent consumer commission, court or other authority.

This complaint process is intended to help resolve issues; it is not a mandatory condition before exercising statutory rights. You do not have to wait for our review to seek urgent relief or use any remedy available under applicable law. It does not suspend or shorten any statutory limitation period.

11. Governing law and jurisdiction

These terms are governed by the laws of India. Subject to mandatory consumer protection law and other non-excludable statutory rights, courts at Bengaluru, Karnataka have exclusive jurisdiction over disputes arising out of or relating to these terms or the service, to the extent those courts otherwise have jurisdiction.

This clause does not prevent you from bringing a complaint before a competent consumer commission or other statutory authority, including in a place permitted by consumer protection law. It does not confer jurisdiction on a court that would not otherwise have it.

12. Changes and your rights

We may update these terms as the service changes. The latest version will show its update date. We will provide notice or seek agreement where required for material changes, particularly changes affecting a paid subscription. These terms are subject to applicable Indian law and do not exclude mandatory consumer protections or lawful remedies available to you.