1. Introduction

• Welcome to Upro Academy. By accessing this website or enrolling in any course, you agree to comply with these Terms & Conditions.

2. Services Offered

• Upro Academy provides educational, training, and professional development programs.
• Courses may be delivered online, offline, or in hybrid format.
• Course structure, duration, and content may be updated from time to time.

3. Eligibility & Registration

• Users must provide accurate, complete, and current information during registration.
• Access by minors must be under parental or guardian supervision.
• False, misleading, or incomplete information may result in suspension of services.

4. Fees & Payments

• All fees must be paid through authorized and secure payment gateways.
• Upro Academy does not store debit card, credit card, UPI PIN, or banking credentials.
• Transactions may be monitored by payment gateways for fraud prevention.

5. Course Access & Usage

• Login credentials and course access are non-transferable.
• Course materials are for personal educational use only.
• Unauthorized sharing or resale of content is strictly prohibited.

6. Student Responsibility

• Students must ensure stable internet connection and device availability.
• Students are responsible for checking emails or messages for updates and notices.
• Misconduct, abusive behavior, or false identity may lead to cancellation of admission.

7. Refund & Cancellation

• Refunds are governed by our Refund & Cancellation Policy.
• Requests must be submitted within the defined eligibility period.
• Approved refunds are processed to the original payment method only.

8. Chargebacks & Disputes

• Users should contact Upro Academy before raising a chargeback or dispute.
• Unjustified or repeated chargebacks may result in service suspension.
• Payment gateway decisions regarding disputed transactions are final.

9. Prohibited Activities

• Fraudulent payments or misuse of payment systems.
• Attempting unauthorized access to systems or data.
• Engaging in activities that violate applicable laws or regulations.

10. Limitation of Liability

• Upro Academy is not responsible for third-party payment gateway failures.
• We are not liable for service interruptions beyond our control.
• Course outcomes depend on individual effort and participation.

11. Governing Law

• These Terms & Conditions shall be governed by the laws of India.
• Courts located in Karnataka shall have exclusive jurisdiction.

12. Contact Information

• Email: uproexams@gmail.com
• Phone: +91 7899920309

13. Payment Gateway Usage & Compliance

• All payments on this website are processed through RBI-authorized third-party payment gateways, including but not limited to PhonePe, UPI, debit cards, and credit cards.
• By making a payment, users agree to comply with the respective payment gateway's terms, policies, and compliance requirements.
• Upro Academy does not store any card details, UPI IDs, or banking credentials on its servers.
• The institute reserves the right to suspend or restrict services if any transaction is flagged as suspicious or non-compliant by the payment gateway.

14. Fraudulent Activity & Prohibited Transactions

• Users must not engage in fraudulent, misleading, or abusive activities related to payments.
• Prohibited activities include unauthorized payments, false transactions, refund abuse, chargeback misuse, or use of third-party payment instruments.
• Any activity violating applicable laws or payment gateway policies is strictly prohibited.
• Upro Academy reserves the right to suspend services and report such activities to payment gateways or authorities where required.

15. Chargebacks & Dispute Resolution

• Users are advised to contact Upro Academy directly for any payment-related concerns before raising a chargeback with their bank or payment gateway.
• Unjustified or repeated chargebacks may result in suspension or termination of services.
• Chargeback resolution timelines are governed by the respective payment gateway and banking institutions.
• Chargeback periods may extend up to 90 days for UPI transactions and 120 days for debit or credit card transactions.

16. Settlement Holds & Payment Delays

• Payment gateways may place settlements on hold for compliance checks, risk assessment, or chargeback review.
• Upro Academy shall not be held responsible for delays caused due to third-party payment gateway reviews.
• Held settlements will be released strictly as per the payment gateway's internal policies and timelines.

17. Right to Suspend or Terminate Services

• Upro Academy reserves the right to suspend or terminate access to services without prior notice for policy violations or suspicious payment activity.
• Services may also be suspended due to non-compliance with payment gateway rules or applicable laws.
• Such actions ensure platform security and regulatory compliance.

18. Limitation of Liability – Payment Gateways

• Upro Academy is not responsible for technical failures, transaction issues, settlement holds, or service interruptions caused by third-party payment gateways or banks.
• Users acknowledge that payment processing is subject to the terms and systems of external financial institutions.