These Terms and Conditions ("Terms") govern your access to and use of Scholr Pay, an education fee payment platform operated by Scholr Services, a Partnership Firm registered under the Indian Partnership Act, 1932, with its principal office at 51/991, Ground Floor, Dr. Babasaheb Ambedkar Nagar, Capt. Prakash Pethe Marg, Cuffe Parade, Mumbai – 400005 ("we", "us", "our").

By accessing or using the Scholr Pay platform — whether as a Parent/Guardian ("User") or as an Educational Institution ("Institution") — you agree to be bound by these Terms. If you do not agree, do not use this platform.

• "Platform" means the Scholr Pay website, mobile application, and related services accessible via scholr.in.
• "User" means any parent, guardian, or student who uses the Platform to pay school or educational fees.
• "Institution" means any school, college, or educational organisation registered on the Platform.
• "Transaction" means any payment initiated or completed through the Platform.
• "Payment Gateway" means the third-party service provider facilitating the processing of Transactions.

You must be at least 18 years of age to create an account and use the Platform. By using Scholr Pay, you represent and warrant that you have the legal capacity to enter into a binding contract under applicable Indian law.

Institutions must be legally registered entities under applicable Indian laws and must provide valid registration documents during onboarding.

• You are responsible for maintaining the confidentiality of your login credentials.
• You must provide accurate, complete, and up-to-date information during registration.
• You must notify us immediately at info@scholr.in if you suspect any unauthorised use of your account.
• We reserve the right to suspend or terminate accounts found to be in violation of these Terms.

Scholr Pay facilitates fee payments between Users and Institutions. We are not a bank or a payment aggregator. All payment processing is conducted through licensed third-party Payment Gateways in compliance with applicable RBI guidelines.

• Transactions are subject to applicable convenience fees or service charges, which will be displayed before confirmation.
• Users must verify fee amounts and student details before confirming a Transaction.
• Once a Transaction is confirmed and payment is processed, Scholr Services does not guarantee reversals. Refer to our Refund Policy for details.
• Scholr Services is not responsible for any delays or failures caused by your bank, card network, or the Payment Gateway.

Institutions registered on the Platform agree to:

• Provide accurate fee structures, student data, and account details for collection.
• Ensure that all fees collected via the Platform are lawful and correctly attributed to the appropriate students.
• Promptly address any disputes raised by Users regarding their children's fee records.
• Not use the Platform for any purpose other than legitimate fee collection.

Users and Institutions must not:

• Use the Platform for fraudulent, unlawful, or unauthorised purposes.
• Attempt to reverse-engineer, copy, or reproduce any part of the Platform.
• Upload or transmit malware, viruses, or harmful code.
• Impersonate any person, institution, or entity.
• Use the Platform in any manner that violates applicable Indian law, including the IT Act, 2000, the Payment and Settlement Systems Act, 2007, or RBI circulars.

All content on the Platform, including the Scholr Pay brand, logo, design, software, and text, is the exclusive property of Scholr Services. No part of the Platform may be reproduced, distributed, or used without our prior written consent.

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please read the Privacy Policy carefully to understand how we collect, use, and protect your personal information.

To the maximum extent permitted by applicable law, Scholr Services shall not be liable for:

• Any indirect, incidental, or consequential loss arising out of your use of the Platform.
• Transaction failures, delays, or errors caused by Payment Gateways, banks, or third-party networks.
• Loss of data due to technical failures beyond our reasonable control.

Our aggregate liability to any User or Institution shall not exceed the total fees paid by that party to Scholr Services in the three (3) months preceding the claim.

You agree to indemnify, defend, and hold harmless Scholr Services, its partners, employees, and agents from and against any claims, damages, losses, or expenses (including legal fees) arising out of your use of the Platform, your breach of these Terms, or your violation of any applicable law.

These Terms are governed by the laws of India. Any disputes arising under these Terms shall first be attempted to be resolved through mutual negotiation. If unresolved within 30 days, disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

We reserve the right to modify these Terms at any time. Updated Terms will be posted on the Platform with a revised effective date. Continued use of the Platform after such changes constitutes your acceptance of the updated Terms.

Scholr Services ("we", "us", "our") operates the Scholr Pay platform (scholr.in). We are committed to protecting the privacy of all individuals who use our Platform — including parents, guardians, students, and educational institutions.

This Privacy Policy is compliant with the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable RBI guidelines on payment data.

• Full name, email address, and mobile number
• Student name, class, roll number, and Institution details
• Payment instrument details (processed and tokenised by our Payment Gateway — we do not store card numbers)
• Transaction history and payment receipts
• Device information and IP address for security and fraud prevention

• Institution name, registration details, and authorised contact person details
• Bank account and settlement details for fee disbursement
• Student rosters and fee structures uploaded to the Platform

• To process and confirm fee payment transactions
• To send transactional SMS/email notifications (payment confirmations, receipts, reminders)
• To enable Institutions to reconcile fee collections and generate reports
• To comply with applicable legal and regulatory obligations
• To prevent fraud, unauthorised access, and misuse of the Platform
• To improve Platform features and user experience through aggregated, anonymised analytics

We process your personal data on the following bases:

• Performance of a contract — to deliver the fee payment services you have requested
• Legal obligation — to comply with RBI, TRAI (DLT), and IT Act requirements
• Legitimate interest — to maintain Platform security and prevent fraud
• Consent — for marketing communications, where applicable and separately obtained

Scholr Pay is registered on the DLT (Distributed Ledger Technology) platform as required by TRAI regulations. SMS communications use the registered Sender ID and approved content templates. You may opt out of non-transactional communications by contacting us at info@scholr.in.

We do not sell your personal data. We may share it with:

• Payment Gateway partners — to process Transactions (they operate under their own privacy and security frameworks)
• Institutions — transaction and student fee data relevant to their registered students
• Government authorities / regulators — where required by law or court order
• Service providers — for hosting, analytics, and communication services, under strict confidentiality obligations

We retain personal data for as long as necessary to fulfil the purposes described in this Policy or as required by applicable law. Transaction records are retained for a minimum of 7 years for regulatory compliance. Upon account deletion, personal data is anonymised or deleted within 90 days, subject to any legal holds.

We implement industry-standard security measures, including:

• SSL/TLS encryption for data in transit
• Access controls and audit logs for data access
• Payment data tokenisation — we do not store raw card details
• Regular security reviews and vulnerability assessments

If you suspect a data breach, please notify us immediately at info@scholr.in.

Under applicable Indian law, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Request deletion of your data (subject to legal retention requirements)
• Withdraw consent for non-mandatory communications
• Lodge a complaint with the relevant data protection authority

To exercise these rights, contact us at info@scholr.in with subject line: "DATA REQUEST – [Your Name]".

Our website may use cookies and similar technologies to improve user experience and gather analytics. You can control cookie settings through your browser. Essential cookies required for platform functionality cannot be disabled.

The Platform collects student information (name, class, roll number) solely for the purpose of fee attribution and reporting. This data is provided by Institutions or parents/guardians. We do not knowingly collect personal data directly from children under the age of 18.

We may update this Privacy Policy periodically. The updated Policy will be posted on the Platform with a revised effective date. Material changes will be communicated via email or a Platform notice.

Scholr Services operates Scholr Pay as a technology-enabled fee payment platform that facilitates transactions between parents/guardians and educational institutions. This Refund Policy sets out the terms under which refunds may be requested and processed.

Please read this Policy carefully before initiating any transaction on the Platform.

This Policy applies to:

• Parents and guardians (Users) who pay school or institutional fees via the Platform
• Educational institutions (Institutions) that collect fees via the Platform

This Policy does not cover refunds arising from disputes between a User and an Institution regarding the underlying educational service (e.g., fee waiver, scholarship adjustments, withdrawal from school). Such matters are between the User and the Institution directly.

As a general rule, completed fee transactions are non-refundable once payment is successfully processed and settled to the Institution, because:

• Scholr Pay facilitates fee collection on behalf of the Institution; the fee itself belongs to the Institution.
• Convenience fees or platform service charges are consumed at the point of transaction and are non-refundable.

Users must verify all payment details — including student name, class, Institution, fee head, and amount — before confirming a transaction.

If your payment is debited but the transaction is not confirmed on the Platform, a refund will be initiated within:

• 5 business days for UPI transactions
• 7–10 business days for net banking and debit card transactions
• 7–10 business days for credit card transactions (actual credit depends on your card issuer)

Duplicate payments (same fee head paid twice in error) will be refunded after verification with the Institution.

If the Institution formally approves a refund — for example, in cases of student withdrawal before the academic term begins, overpayment, or fee revision — we will process the refund once we receive written confirmation from the Institution. The refund will be credited to the original payment source.

In the rare event of an error on our part (e.g., incorrect fee amount charged due to a Platform error), we will initiate a full refund within 5 business days of identifying the error.

To raise a refund request:

• Email info@scholr.in with subject line: "REFUND REQUEST – [Transaction ID]"
• Include: registered mobile number, student name, Institution name, transaction date, amount, and reason
• Or call +91 96995 13412 (Mon–Sat, 10:00 AM – 6:00 PM IST)

We will acknowledge your request within 1 business day and revert with a decision within 5 business days.

Once a refund is approved:

• UPI: 3–5 business days
• Net banking: 5–7 business days
• Debit / credit card: 7–10 business days (credit subject to your card issuer's processing time)

Refunds are credited to the original payment instrument. We do not offer refunds via alternate payment methods.

Platform convenience fees and payment gateway charges are strictly non-refundable under all circumstances, including in cases of failed transactions where the bank did not settle the amount. If a failed transaction is refunded by the Payment Gateway, the convenience fee may be deducted from the refund amount depending on the gateway's policy.

Scholr Pay is a technology intermediary and is not a party to the fee agreement between Users and Institutions. If your dispute relates to:

• Incorrect fees charged by the Institution
• Fee waivers, scholarships, or discounts not applied
• Refunds following a school transfer or withdrawal mid-year

You must resolve these directly with the Institution. Scholr Pay may facilitate communication but cannot unilaterally override the Institution's fee policy.

If you initiate a chargeback with your bank without first contacting Scholr Pay, we reserve the right to suspend your account and flag the matter for investigation. Fraudulent chargebacks may be reported to relevant authorities.

We may update this Refund Policy from time to time. The latest version will always be available on our Platform. Continued use of the Platform constitutes your acceptance of the then-current Policy.