The Terms and Conditions contained herein shall apply to any person (“User”) using the services of K P Studies for making fee payments through an online payment gateway service (“Service”) and Payment Gateway Service provider, through website i.e. www. Avjknowledgeportal.com Each User is therefore deemed to have read and accepted these Terms and Conditions.

Access to and use of K P Studies is provided subject to these conditions. Use of this Site constitutes acceptance of these conditions. If these conditions are not accepted fully, the use of this Site must be terminated immediately.

K P Studies has made reasonable efforts to secure accuracy of the information provided at this Site and accepts no responsibility/liability for any inadvertent inaccuracies or omissions in this Site. K P Studies is at liberty to make changes in the products & services. As far as practicable, reasonable notice of the same will be posted on the site.

K P Studies does not warrant or represent that the information or materials (including but not limited to the documents and related graphics) available at or from this site are accurate or suitable or reliable or that the site will be free of errors, viruses, bugs, problems or other limitations.

Users agree and undertake not to disturb the normal operation of this Site, not to infringe the integrity of this Site by hacking or altering the information contained in this Site, not to prevent or limit access to this Site to other Users, or otherwise.

The registered Users may use the services to access any permitted User Account & to conduct transactions as may be permitted with respect to any such User Account. The User agrees to follow instructions of K P Studies in effect from time to time with respect to use of the services.

When a Personal Identification Number is used to conduct any Transaction, the authorization given at the time of the Transaction will be treated as if it was given by the User in person, and the User agrees to be bound by each such transaction.

The User's details and Student ID etc. are for the User's use alone and may not be assigned or transferred. The User agrees to keep all the data confidential and not to disclose them to any other person. K P Studies recommends that the User does not record the data in any manner or on any media, whether in writing or otherwise, including without limitation in electronic form, or by voice mail or e - mail. For security reasons, K P Studies recommends that the Users may change their login credentials on a regular basis, such as every 60 or 90 days.

K P Studies records of each Transaction, and its accounting records, will be deemed to be correct, and will be conclusive and binding upon the User. If the User believes that K P Studies records contain an error or omission, the User must give written notice of the suspected error or omission to K P Studies within 15 days of the Transaction date.

Information security is critical to our business. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. We store information gathered on secure computers. When you make a payment using your card, all required transaction details are captured on the secured payment page, and encrypted using Industrial Strength Cipher, and are securely transmitted to your card issuer for obtaining an authorization decision.

At no time during the payment process or thereafter does K P Studies have access to, or store, your complete card account information.

The number of employees involved in the management of the data center that have physical access to these computers is limited or nil as we deploy these on state of the art secure cloud hosting services. We use advanced security technology to prevent our computers from being accessed by unauthorized persons. It is important for you to protect against unauthorized access to your Login ID/password and to your computer. Be sure to sign off when finished using a shared computer and otherwise protect the password used to access the K P Studies services.

The security of your personal information and email address is important to us. When you enter sensitive information (such as credit / debit card number) on our acquiring bank’s system or order forms, they encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.verisign.com

We follow generally accepted industry standards to protect the personal information and email address submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information and email address, we cannot guarantee its absolute security.

If you have any questions about security on our website, you can email us at: avj4knowledge@gmail.com.

To protect your privacy and security, we will verify your identity before granting access or making changes to your personally identifying information. If you have registered your profile on K P Studies, your K P Studies ID and Password are required in order to access your profile information.

To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are completely on a secure cloud hosting service virtually out of access or reach. We may decide to deploy privately hosted servers partly but these too are accessible only to authorized personnel and your information is shared with respective personnel on need to know basis to complete the transaction and to provide the services requested by you.

Although we will endeavour to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this website, you agree that  K P Studies will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.

All information gathered on K P Studies is securely stored within the K P Studies controlled database. The database is stored on servers securely hosted on the cloud behind state of the art firewalls; access to the servers is strictly limited and controlled by reputed third party service providers.

The User agrees to notify K P Studies immediately of the loss, theft, misuse or unauthorized use of the User id and password credentials of the User. The User is responsible for the use of the login credentials and will be liable for all authorized and unauthorized use of these, including all transfers from their bank Account. To notify K P Studies of any loss, theft, misuse or unauthorized use, the User must email K P Studies immediately from their authorized email id as held in the records of K P Studies.

K P Studies may at any time, withdraw permission to use any of the Services, or cancel or alter any of the Services without being liable for any loss resulting from such action. Notice of such withdrawal will be posted on the website. The termination of the Services, for any reason will not relieve the User of any obligation under this Agreement with respect to the Services already used.

Permission to use documents (such as press releases, datasheets and Frequently Asked Questions (FAQs) from this Site is granted, provided that (a) the copyright notice set out below appears in all copies and that both the copyright notice and this permission notice appear, (b) use of such documents from this Site is for informational and non - commercial or personal use only(c) no modifications of any documents are made. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal action.

The documents specified above do not include the design or layout of the site or any other K P Studies owned, operated, licensed or controlled Site. Elements of K P Studies website is protected by copyright and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sounds or image from any K P Studies site may be copied or retransmitted without the express written permission of K P Studies.

The links to other websites may require Users to leave K P Studies site. The linked sites are not under the control of  and it is therefore not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. AVJ ACADEMY provides these links to the Users only as a convenience, and the inclusion of any link does not imply endorsement or any representation by AVJ ACADEMY of the site. It is up to the User to take precautions to ensure that whatever sites are selected for use are free of such items as viruses, bugs, problems or other limitations.

In no event shall AVJ ACADEMY be liable to any party for any direct, Indirect, consequential or specific damages for any use of this site or for use of any other linked website, including, without limitation, any loss of profits, business interruption or loss of data, even if AVJ ACADEMY was expressly advised of the possibility of such damages.

Except for the information, User included as a part of the various forms for mailing and ordering purposes, by communicating with K P Studies , Users grant K P Studies irrevocable permission to use, reproduce, display, perform, modify, transmit and distribute for any purpose K P Studies chooses, commercial, public or otherwise, any information, suggestions, ideas, drawings or concepts communicated, without compensation of any sort.

This Site and all disputes or other matters arising out of it shall be governed by the laws o f India and dealt with by a court of competent jurisdiction in New Delhi. Users agree that while settling a dispute, if the judgment is against the Complainant User, the User will pay all of K P Studies costs including reasonable fees for in - house & outside counsel.

The materials on this Site are protected by copyright and other laws and no part of these shall be copied or infringed.

Certain trademarks, trade names, images, logos and pictures on this Site are proprietary to K P Studies or other respective entities. Except as may be expressly provided, nothing contained herein shall be construed as conferring any license or right under copyright or other intellectual property rights.

Any rights not expressly granted herein are reserved.

If K P Studies receives any refund request from the user within 4 hours of the transaction, K P Studies will initiate the refund process within the next 72 hours (3 working days), on the basis of the User information already made available to K P Studies. Such refund will be processed after deduction of handling charges / out of pocket and administrative expenses.

K P Studies will, on best effort basis, provide remittance details to enable the User to take up queries if any, with the beneficiary institution. The user is advised to retain remittance details for any future correspondence with the institution & their bankers. ( **Refund would be processed only after the consent with respective institution)

The list of institutions in the Search box on our Home Page is for indicative purpose only. These institutions may or may not have signed up with us for their fee management. Users are advised to confirm about the status of their institution by sending mail to avj4knowledge@gmail.com.

However, the internet is an ever - evolving medium. We may revise our privacy policy from time to time to incorporate necessary changes. Of course, our use of any information we gather will always be consistent with the policy under which the information was collected, regardless of what the new policy may be. We reserve the right to change or update this policy at any time by placing a prominent notice on our website. Such changes shall be effective immediately upon posting to this website.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, or by means of a notice on our homepage.

If we decide to make changes in our email practices, we will post those changes to this privacy policy, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

If you feel that K P Studies has violated this Statement on Privacy in any way, please contact us at avj4knowledge@gmail.com. that we may address.

• K P Studies and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non - performance or interruption in any such data, information or message. Under no circumstances shall the K P Studies and/or the Payment Service Providers, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Services.
• K P Studies and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:
• ( I) The delay, failure, interruption, or corruption of any data or other information transmitted in connection with the use of the Payment Gateway or Services in connection thereto; and/ or
• Any interruption or errors in the operation of the Payment Gateway.
• The User shall indemnify and hold harmless the Payment Service Provider(s) and K P Studies and their respective officers, directors, agents, and employees, from any claim or demand, or actions arising out of or in connection with the utilization of the Services.
• The User agrees that K P Studies or any of its employees will not be held liable by the User for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond K P Studies  reasonable control.

• Any waiver of any rights available to K P Studies under these Terms and Conditions shall not mean that those rights are automatically waived.
• The User agrees, understands and confirms that his/ her personal data, including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that K P Studies or the Payment Service Provider(s) have no control over such matters.
• Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, K P Studies does not represent or guarantee that the use of the Services provided by/through it will not result in theft and/or unauthorized use of data over the Internet.
• K P Studies , the Payment Service Provider(s) and its affiliates and associates shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay i n operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the Website.
• The User may be required to create his/ her own User ID and Password in order to register and/ or use the Services provided by K P Studies on the Website. By accepting these Terms and Conditions the User agrees that his/ her User ID and Password are very important pieces of information and it shall be the User's own responsibility to keep them secure and confidential. In furtherance hereof, the User agrees to;
• Choose a new password, whenever required for security reasons.
• Keep his/ her User ID & Password strictly confidential.
• Be responsible for any transactions made by User under such User ID and Password.

The User is hereby informed that K P Studies will never ask the User for the User's password in an unsolicited phone call or in an unsolicited email. The User is hereby required to sign out of his/her K P Studies account on the Website and close the web browser window when the transaction(s) have been completed. This is to ensure that others cannot access the User's personal information and correspondence when the User happens to share a computer with someone else or is using a computer in a public place like a library or Internet café.

• The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/c
• The User may pay his/ her fee by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card/ bank details:
• The User is fully and lawfully entitled to use such credit/debit card, bank account for such transactions;
• The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate;
• The User is authorizing debit of the nominated card/ bank account for the payment of fee selected by such User along with the applicable Fees.
• The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

The Service is provided in order to facilitate access to view and pay fees online. K P Studies or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/ her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.