Please read these Terms of Use (“Terms”) carefully before using the Bhagya Achievers Community Platform (the “Platform” or “Service”). By accessing or participating in the Platform, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

1. Acceptance of Terms

• By joining and using the Bhagya Achievers Community, you agree to these Terms of Use and all applicable laws and regulations.
• We may revise these Terms at any time by updating this page.
• Continued use of the Platform after updates constitutes your acceptance of the revised Terms.
• If you do not agree to these Terms, you may not use the Service.

2. Nature of the Platform

• Bhagya Achievers provides a student-driven learning platform for aspirants of CA, CS, CMA, Banking, Insurance, and other competitive exams.
• Students may access and share:
• Study Notes & Faculty Notes
• Previous Year Questions (PYQs), RTPs, MTPs
• Exam Patterns & Syllabus Updates
• Short Tricks & Preparation Strategies
• Latest Notifications & Announcements
• Students can also post doubts, which may be answered by peers, qualified students, teachers, or professionals.
• Our purpose is to simplify exam preparation and reduce the time students spend searching for resources across multiple platforms.

Disclaimer: The Platform is not officially affiliated with ICAI, ICSI, ICMAI, or any exam body.

3. User-Generated Content

• All notes, files, and materials are uploaded voluntarily by students and community members.
• Bhagya Achievers does not upload or publish any study material or resources on its own.
• By submitting content, you represent and warrant that you own or have the necessary rights to share it.
• You retain ownership of your content. However, by uploading it, you grant the Platform a non-exclusive, royalty-free, worldwide license to host, display, and distribute it solely for the functioning of the Service.

4. Content Uploads & Responsibility

• Bhagya Achievers does not verify the correctness, ownership, or authenticity of the uploaded material.
• Therefore, Bhagya Achievers has no responsibility or liability regarding the accuracy, completeness, or reliability of shared resources.
• Prohibited Content includes (examples for clarity):
• Misleading exam notifications or false information.
• Harassment, abuse, spam, or irrelevant promotional content.

5. Intellectual Property & Ownership

• Bhagya Achievers does not claim ownership of any study material or notes uploaded by users.
• All intellectual property rights remain with the original creators or rightful owners.
• Logos, trademarks, and names of exam bodies (ICAI, ICSI, ICMAI, SBI, IBPS, RBI, LIC, etc.) are their respective properties, and Bhagya Achievers has no official affiliation with them.

6. Copyright & Grievance Policy

• If you believe your content has been uploaded without permission or credit, please contact us at: info@bhagyaachievers.com
• Your complaint should include:
• Proof of ownership (copyright/author details).
• Details of the infringing content (screenshot, file name, or URL).
• Upon receiving a valid complaint, we will promptly investigate and remove the infringing content if necessary.
• Repeat violators may be removed from the Platform.
• Process:
• We will acknowledge complaints within 48 hours.
• Investigation will be completed within 7 business days.
• If valid, infringing content will be removed or disabled.
• Counter-Notice: If your content is removed and you believe it was wrongly taken down, you may submit a counter-notice within 7 days.
• Repeat violators may be suspended or removed from the Platform.

7. Disclaimers; No Guarantees

• The Platform is provided on an “as is” and “as available” basis.
• Bhagya Achievers makes no guarantees about:
• Accuracy or completeness of user-submitted content.
• Uninterrupted, secure, or error-free service.
• All materials are for educational and discussion purposes only. Users should verify information with official exam authorities.

8. Limitation of Liability

To the maximum extent permitted by law, Bhagya Achievers shall not be liable for:

• Errors, omissions, or reliance on user-uploaded content.
• Losses, damages, or consequences arising from use of the Platform.
• Third-party services, links, or external resources accessed through the Platform.

9. Termination of Access

• We reserve the right to suspend or terminate any user’s access if they:
• Violate these Terms,
• Upload infringing or harmful content, or
• Engage in misconduct that harms other users or the Platform.

10. Account Security & Credentials

• Students are strictly prohibited from sharing their login credentials (username, password, or access codes) with anyone.
• If a student is found sharing credentials or allowing unauthorized access, Bhagya Achievers reserves the right to suspend or permanently remove their access to the Platform.
• In case you suspect or discover that your credentials have been misused, you must immediately inform us at info@bhagyaachievers.com. Upon receiving such information, we may take necessary actions from the backend, including blocking or resetting the account, or removing the compromised credentials to protect the integrity of the Platform.
• Users are solely responsible for maintaining the confidentiality of their accounts and for all activities under their login until such misuse is reported.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict-of-law principles.

12. Third-Party Links

The Platform may contain links to third-party websites. Bhagya Achievers does not endorse or control these sites and is not responsible for their content or practices.

13. Contact Information

For questions, complaints, or copyright-related concerns, please write to us at:
info@bhagyaachievers.com

14. Acknowledgment

To the maximum extent permitted by law, Bhagya Achievers shall not be liable for:

• All content is user-generated.
• You are responsible for verifying the accuracy and legality of materials you use.
• Your participation is at your own risk, and Bhagya Achievers provides no official guarantees or affiliations.