Terms of Service

These Terms of Service ("Terms") govern your use of the PSC Mastery mobile application and website (together, the "Service"). Please read them before you use the Service. By creating an account, or by continuing to use the Service, you agree to these Terms.

These Terms are a legally binding agreement between you and the operator identified in section 1. Two other documents form part of this agreement and you should read them too: our Privacy Policy and our Community Guidelines.

If you are a consumer, nothing in these Terms takes away any right the law gives you. Where a term of this agreement conflicts with a right you have under the Consumer Protection Act, 2019, that Act wins.

1. Who We Are

• Operated by: PSC Mastery, operated by an individual carrying on business in India as a sole proprietor.
• Email: pscmasterysupport@gmail.com
• App: PSC Mastery (Android package com.pscflashcards.app), distributed through Google Play.
• Postal address: available on request from pscmasterysupport@gmail.com, and shown on our Google Play store listing.

We currently operate as a sole proprietorship. If the business is later incorporated, these Terms will transfer to the incorporated entity and we will tell you before that happens, as described in section 17.3.

2. Who Can Use PSC Mastery

2.1 You must be 18 or older. PSC Mastery is intended for adults preparing for Kerala PSC and similar competitive examinations. By creating an account you confirm that you are at least 18 years of age.

2.2 Why 18. Under section 2(f) of the Digital Personal Data Protection Act, 2023, anyone under 18 is a child, and processing a child's personal data requires verifiable parental consent and rules out behavioural monitoring and targeted advertising. The Service relies on study-history analysis, streaks, skill-based matchmaking and progress reminders, which we cannot offer to a child on that basis. We have therefore set the minimum age at 18 rather than build a separate, reduced service.

2.3 If we learn you are under 18. We will close the account and delete the personal data associated with it. If you are a parent or guardian and believe a child holds an account, write to us at pscmasterysupport@gmail.com and we will act on it.

2.4 One account per person. Your account is personal to you. Do not share your login, and do not create an account on someone else's behalf.

3. Your Account

3.1 You agree to give accurate information when you register and to keep it up to date. Keep your credentials secure and tell us promptly at pscmasterysupport@gmail.com if you believe someone else has used your account.

3.2 You are responsible for activity under your account, except where that activity results from our failure to take reasonable security safeguards.

4. How You May and May Not Use the Service

4.1 We give you a personal, non-exclusive, non-transferable, revocable licence to use the Service for your own examination preparation.

4.2 You must not:

• use the Service for any unlawful purpose, or in breach of any Indian law;
• copy, scrape, republish, resell or redistribute our questions, explanations, audio or other content;
• share your account, or resell access to it;
• use bots, scripts or automated means to access the Service, manipulate leaderboards, XP, streaks or battle results, or extract content;
• attempt to gain unauthorised access to the Service, to other accounts, or to our systems;
• disrupt or overload the Service or its infrastructure;
• upload viruses, malware or other harmful code; or
• reverse engineer, decompile or attempt to derive our source code, except to the extent that restriction is prohibited by law.

4.3 Content you post. Anything you post in the community feed, in comments or in battles is also governed by our Community Guidelines, which set out what is not allowed and how to report it. You must accept those Guidelines before you can post.

5. Content and Intellectual Property

5.1 Our content. The Service and its content — questions, explanations, audio, artwork, software and the PSC Mastery name and logo — belong to us or our licensors and are protected by the Copyright Act, 1957 and other laws. Nothing in these Terms transfers ownership to you.

Some of that content is generated with the assistance of software, as section 8.4 describes. For such a work we are the person who causes the work to be created within the meaning of section 2(d)(vi) of the Copyright Act, 1957. Where a particular computer-generated item attracts no copyright of its own, that does not affect our rights in the selection, arrangement and curation of the collection as a whole, which reflect our own skill and judgement.

5.2 Your content stays yours. You keep ownership of what you post. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, adapt for formatting, and display your content, for the sole purpose of operating, securing and improving the Service. This licence ends when you delete the content or your account, except for copies we are required by law to retain and for copies already shared by other users.

5.3 Your promises about your content. You confirm that you own the content you post or have the right to post it, and that posting it does not infringe anyone else's rights.

5.4 Copyright complaints. If you believe content on the Service infringes your copyright, write to our Grievance Officer (section 13) with details of the work, the specific location of the content, and your contact details. We act on complaints under section 79 of the Information Technology Act, 2000 read with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and sections 51 and 52 of the Copyright Act, 1957.

6. Suspension, Termination, and What Happens to Your Subscription and Data

6.1 You can leave at any time. Delete your account from Settings inside the app, or at https://pscmastery.com/delete-account.

6.2 When we may suspend or close your account. We may suspend or close your account if you materially breach these Terms or the Community Guidelines, if we are required to by law or a court order, or if we reasonably believe your account is being used for fraud or to harm other users.

6.3 Notice and a chance to fix it. Except where the breach is serious — such as unlawful content, harassment, fraud, or a security attack — or where the law requires immediate action, we will tell you what the problem is and give you a reasonable opportunity to put it right before we close your account.

6.4 If we stop offering the Service. We may discontinue the Service on thirty (30) days' notice.

6.5 Your money. If we close your account under section 6.2, or discontinue the Service under section 6.4, we will refund the unused portion of any period you have already paid for. If your breach has caused us loss, we may claim that loss from you separately, but we will not withhold your refund against it without your agreement or an order of a competent authority.

6.6 How refunds actually reach you. Where you bought through Google Play, we can request the cancellation and refund through Google Play, and we will do so. Where you bought through the Apple App Store, Apple handles the refund and we will support your request. Where you paid us directly, we refund to your original payment method.

6.7 Your data. Closing your account deletes your personal data as described in the Privacy Policy. Deletion is permanent — your study history, streak, XP and level cannot be recovered afterwards. Please note anything you want to keep first.

6.8 What survives. Sections 5.2 (only for content already shared with other users), 7 (Limitation of Liability), 8 (As Is), 9 (Your Indemnity), 11 (Governing Law and Disputes), 13 (Grievance Redressal) and 17 (General) continue to apply after your account closes.

7. Limitation of Liability

7.1 What we never limit. Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) wilful misconduct or gross negligence; (d) any liability under section 43A of the Information Technology Act, 2000 or under the Digital Personal Data Protection Act, 2023; or (e) any other liability that cannot lawfully be limited or excluded under Indian law, including under the Consumer Protection Act, 2019.

7.2 Types of loss. Subject to section 7.1, we are not liable for indirect, incidental, special or consequential loss, or for loss of profits, revenue, business, goodwill or anticipated savings.

7.3 Things outside our control. Subject to section 7.1, and except where the loss results from our negligence or our breach of these Terms, we are not liable for content posted by other users, for interruptions caused by your network or device, or for events beyond our reasonable control.

7.4 Cap on our total liability. Subject to sections 7.1 and 7.5, our total liability to you under this agreement — in contract, in tort including negligence, or otherwise — is limited to the greater of: (a) the total amount you paid for the Service, whether to us directly or through the Google Play Store or the Apple App Store, in the twelve (12) months immediately before the event giving rise to the claim; or (b) ₹5,000 (Rupees Five Thousand only). This is an aggregate limit; having more than one claim does not increase it.

7.5 What this section does NOT do. Section 7.4 limits what we owe you under this contract. It does not limit, and is not intended to limit, the power of a District, State or National Consumer Disputes Redressal Commission to grant you any relief available under the Consumer Protection Act, 2019 — including refund, compensation for loss or injury, punitive damages and costs. Your rights under that Act are in addition to, and not reduced by, these Terms.

7.6 Our commitments instead of exclusions. Rather than disclaim responsibility for the things that matter most to you, we commit that: we take regular backups of your study data and will make reasonable efforts to restore it if it is lost through our fault; and where you tell us a question, answer, explanation or exam date is wrong, we will review it and correct it if it is.

8. The Service Is Provided "As Is" — And What We Do Not Promise

8.1 We provide the Service with reasonable care and skill, but we do not promise it will be uninterrupted, error-free, or free of every inaccuracy. Subject to section 7.1 and to your rights under the Consumer Protection Act, 2019, the Service is provided "as is" and "as available".

8.2 We do not promise an examination result. We make no claim that using PSC Mastery will cause you to pass any examination, achieve any score or rank, or be selected for any post. Results depend on your own effort and on factors outside our control. If any of our marketing appears to suggest otherwise, this section states our actual position and we will correct the marketing.

8.3 Exam information is not official. Syllabus mappings, exam dates, vacancy details and notification summaries in the app are prepared for study convenience. Always check the official Kerala Public Service Commission website and notifications before relying on any date or eligibility detail. We are not affiliated with, endorsed by, or connected to the Kerala Public Service Commission or any government body.

8.4 How our study content is made. We use artificial-intelligence tools in the course of preparing study content — to draft and translate questions and explanations, to classify them against a syllabus, and to check them for staleness and internal inconsistency. Those tools are used by us while we build the content. They are not part of the app you use: we do not send anything you type, and no personal data of yours, to them. If that ever changes we will say so in the Privacy Policy and tell you in the app before it does.

Before we publish it, content passes automated checks on answer-key integrity, factual currency and duplication, followed by human review of what those checks flag and of inaccuracies reported to us. Even so, AI-assisted drafting can produce a fact, a date or an answer key that is wrong in a way that reads convincingly. Please do not treat any single question as authoritative on a matter of law, eligibility, or an examination date — section 8.3 governs those. If you find something wrong, write to pscmasterysupport@gmail.com. We will correct or withdraw it. Getting the content right is our job, not yours, and you never need a reason to tell us something looks wrong.

8.5 What section 8 does not cover. This section does not reduce our responsibility for what we actually undertook to provide, and it does not affect your rights where there is a deficiency in service within the meaning of section 2(11) of the Consumer Protection Act, 2019.

9. Your Indemnity to Us

9.1 You agree to indemnify PSC Mastery against any claim made against us by a third party, and against the losses, liabilities, damages, costs and reasonable legal fees we actually incur in defending or settling such a claim, where the claim arises out of:

• content you post, upload, share or transmit through the Service;
• infringement by your content of a third party's copyright, trademark, publicity, privacy or other right;
• a claim that your content is defamatory, obscene, harassing, threatening or otherwise unlawful; or
• your fraud or wilful misconduct.

9.2 What this does not cover. This indemnity does not apply to any claim to the extent it arises from our own act, omission, negligence or breach, from content we created, or from our operation of the Service independently of your content.

9.3 If you are a consumer. Your total liability under this section is limited to the loss we actually and reasonably incur, and does not extend to indirect or consequential loss. Nothing in this section requires you to pay any amount which, under Indian law, a consumer cannot lawfully be required to pay, and nothing in it limits your rights under the Consumer Protection Act, 2019.

9.4 How it works. We will notify you promptly in writing of any claim. We will not settle it without your prior written consent, which you will not unreasonably withhold or delay and which is treated as given if you do not refuse in writing within ten (10) business days. You may take over the defence at your own cost, provided you do so within fifteen (15) days of our notice and conduct it diligently. If you do not, or if a settlement involves no admission of your liability, we may settle the claim ourselves.

10. Privacy

How we handle your personal data is set out in our Privacy Policy, which forms part of this agreement. It tells you what we collect, who processes it, where it is processed, how long we keep it, and how to exercise your rights.

11. Governing Law, Complaints and Disputes

11.1 Governing law. These Terms, and any dispute arising out of them, are governed by the laws of India.

11.2 Please talk to us first. If something has gone wrong, raise it through the in-app support option or with our Grievance Officer (section 13). We will give you a reference number so you can track it, and we will try in good faith to resolve it within thirty (30) days.

11.3 Your rights as a consumer are untouched. If you are a consumer within the meaning of the Consumer Protection Act, 2019, nothing in these Terms limits any right you have under that Act. In particular:

• you may complain to the District, State or National Consumer Disputes Redressal Commission, including the Commission where you yourself live or work, as section 34(2)(d) of that Act allows — section 11.4 does not take that away;
• you are not required to arbitrate any dispute with us, and we do not ask you to; and
• you may complain jointly with other consumers having the same interest under section 35(1)(c), or through a registered consumer association, a State or the Central Government, or the Central Consumer Protection Authority.

11.4 Courts. Subject to section 11.3, the courts in the State of Kerala, India have non-exclusive jurisdiction over disputes arising out of these Terms.

11.5 No time limit imposed by us. Nothing in these Terms shortens the time the Limitation Act, 1963 or any other law allows you to bring a claim.

12. Subscriptions, Billing, Cancellation and Refunds

12.1 Free and paid. Parts of PSC Mastery are free. Others require a paid subscription. What each plan includes, and its price, is shown on the subscription screen before you buy.

12.2 Prices. Prices are shown in Indian Rupees, inclusive of any taxes that apply, before you confirm the purchase.

12.3 How you pay. Purchases made inside the Android app are processed through Google Play's billing system under Google's terms. Purchases made inside an iOS app, when available, are processed by Apple under Apple's terms. We remain the provider of the Service and remain responsible to you for it.

12.4 Auto-renewal. Subscriptions renew automatically at the end of each billing period at the then-current price for that plan, until you cancel. Before any free trial converts to a paid subscription, we will tell you the date it converts and the amount that will be charged.

12.5 Cancelling. You can cancel at any time. Use the Manage subscription option in the app's Settings, which opens your subscription in Google Play, or go directly to play.google.com/store/account/subscriptions. Cancelling stops the next renewal; you keep access until the end of the period you have already paid for.

12.6 Refunds. We do not generally refund for change of mind or for a period you have partly used. That does not affect your statutory rights: if the Service is deficient, you are entitled to a remedy under the Consumer Protection Act, 2019, and we will honour it. Google Play and Apple also operate their own refund policies, which apply to purchases made through them and which we cannot override.

12.7 Price changes. If we change the price of a plan, we will tell you before the change takes effect and you will be able to cancel before you are charged the new price.

12.8 Failed payments. If a renewal fails, the store may retry it under its own grace-period rules. We will not treat a streak as broken solely because a payment failed while we were waiting for the store to resolve it.

13. Grievance Redressal

We take complaints seriously, and the law requires us to publish who handles them. The Grievance Officer's contact details, the response times we work to, and how to report content are all set out in our Community Guidelines.

In short: we acknowledge every complaint within 24 hours and aim to resolve it within 7 days. Complaints about content showing nudity or a sexual act, or about impersonation including morphed images, are handled on a dedicated fast path. Every complaint gets a reference number so you can track it.

14. Community Guidelines

The rules for posting, commenting and interacting with other users are set out in our Community Guidelines, published separately as rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 requires. They form part of this agreement. Breaking them can lead to content removal, suspension or account closure under section 6.

15. Battles, Tournaments, XP and Virtual Items

15.1 No stake, no winnings. Battles and tournaments in PSC Mastery are study games. There is no entry fee, no deposit, no wager and no prize with monetary value. They are social games, not games played for stakes.

15.2 XP has no cash value. XP, levels, streaks, badges, leaderboard rank and any other virtual item are part of the Service. They are not property, cannot be bought, sold, transferred or exchanged for money, and carry no monetary value. We may adjust them to correct errors or to reverse gains obtained by cheating.

15.3 Computer-controlled opponents. So that a match is available whenever you want to play, some opponents are computer-controlled players rather than other users. Where you are matched with one, we indicate this on the match screen.

15.4 Fair play. Using scripts, multiple accounts or any other method to manipulate results is a breach of section 4.2 and may lead to suspension.

16. Changes to These Terms, and Notices

16.1 We may update these Terms, the Privacy Policy or the Community Guidelines. Every version carries a version number and an effective date.

16.2 Material changes need your agreement. A change to section 7 (Limitation of Liability), section 9 (Your Indemnity) or section 11 (Governing Law and Disputes) applies to you only if you accept it by a clear affirmative action in the app. Any other change that materially reduces what you receive does not apply to a subscription period you have already paid for; if we make such a change, you may cancel and receive a pro-rata refund of the unused period.

16.3 Everything else. For non-material changes — clarifications, corrections, new features — we will post the updated document with a new effective date and notify you in the app. If you keep using the Service afterwards, those changes apply to you.

16.4 Reminders we will send you. At least once every three months, and whenever these documents change, we will remind you in the app that: breaking these Terms or the Community Guidelines can lead to your content being removed and your access being suspended or terminated; that you may be personally liable under law for content you post; and that offences requiring mandatory reporting under the Bharatiya Nagarik Suraksha Sanhita, 2023 or the Protection of Children from Sexual Offences Act, 2012 will be reported to the appropriate authority.

16.5 Languages. These documents are published in English and Malayalam. If the two differ, the English version governs, but please tell us and we will correct the translation.

17. General

17.1 Severability. If any part of these Terms is held to be invalid, void or unenforceable, or is declared null and void by a competent authority — including under sections 49(2) or 59(2) of the Consumer Protection Act, 2019 — that part is removed and the rest continues to apply.

17.2 No waiver. If we do not enforce a term immediately, we do not lose the right to enforce it later.

17.3 Assignment. You may not transfer your rights under these Terms. We may transfer ours to a company we incorporate to run the Service, or as part of a sale of the business, and we will tell you in the app before we do. If you do not want your agreement transferred, you may close your account and receive a refund of any unused prepaid period.

17.4 Entire agreement. These Terms, the Privacy Policy and the Community Guidelines are the whole agreement between us. The description of the Service on the subscription screen, on our Google Play or App Store listing, and in the app itself forms part of what we have undertaken to provide. Nothing in this section excludes liability for any misrepresentation, whether fraudulent, negligent or innocent.

17.5 Contact. Write to us at pscmasterysupport@gmail.com. Our full details are in section 1.