Terms and Conditions

Welcome to Creative Taleem ("we," "us," "our," or "Platform"). These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Student," or "you") and Creative Taleem governing your access to and use of our educational platform, website, mobile application, and all related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Services after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

To use our Services, you must meet the following eligibility criteria:

• You must be at least 13 years of age
• If you are between 13-18 years old, you must have parental or guardian consent
• You must be a resident of Pakistan or have a valid Pakistani academic enrollment
• You must provide accurate and truthful information during registration
• You must have legal capacity to enter into binding agreements
• You must not have been previously banned or terminated from our platform

Parents or guardians who register on behalf of minors accept these Terms on their behalf and are responsible for their child's compliance with these Terms.

3.1 Account Creation

To access most features of our Services, you must create an account by providing:

• Full legal name
• Valid email address
• Phone number
• Province and city of residence
• Gender (for personalization purposes)
• Educational category and academic details
• A secure password

3.2 Account Responsibilities

You are solely responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use of your account
• Ensuring your account information remains accurate and up-to-date
• Using a strong, unique password not used on other platforms

3.3 One Account Policy

Each user is permitted only one account. Creating multiple accounts, sharing account credentials, or allowing others to access your account is strictly prohibited and may result in immediate termination of all associated accounts without refund.

Creative Taleem provides online educational services including but not limited to:

• Pre-recorded video lectures and courses
• Live classes and interactive sessions
• Study materials, notes, and resources (PDF, documents)
• Practice tests, quizzes, and assessments
• Past papers and solutions
• Discussion forums and community features
• Progress tracking and performance analytics
• Certificate programs upon course completion

We reserve the right to modify, update, discontinue, or remove any features or services at any time without prior notice. This includes changing course content, instructors, schedules, or pricing structures.

5.1 Subscription Options

We offer various subscription plans including free tier, monthly, and yearly plans. Each plan has specific features, limitations, and pricing as displayed on our pricing page.

5.2 Payment Terms

• All prices are displayed in Pakistani Rupees (PKR)
• Payments are processed through secure third-party payment gateways
• Subscription fees are charged in advance for the selected billing period
• You authorize us to charge your selected payment method for all applicable fees
• Failed payments may result in suspension of access until payment is resolved

5.3 Price Changes

We may change our pricing at any time. Price changes for existing subscriptions will take effect at the start of your next billing cycle. We will notify you at least 7 days before any price increase.

5.4 Automatic Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel auto-renewal at any time through your account settings. Cancellation takes effect at the end of the current billing period.

Our complete refund policy, including eligibility criteria, refund windows, and non-refundable situations, is detailed in our separate Refund Policy. Key points include:

• 7-Day Refund Window: Full refund available within 7 days of purchase if less than 10% content accessed
• 48-Hour Rule: Requests after 48 hours of accessing significant content will not be processed
• Non-Refundable Cases: Violation of terms, significant content access, promotional discounts, and more

By purchasing a subscription, you acknowledge that you have read and understood our Refund Policy.

7.1 Permitted Use

You may use our Services solely for personal, non-commercial educational purposes. You agree to:

• Use the Services in compliance with all applicable laws
• Respect the intellectual property rights of Creative Taleem and others
• Maintain academic integrity in all assessments and assignments
• Treat other users, instructors, and staff with respect

7.2 Prohibited Activities

You agree NOT to:

• Share, distribute, or sell your account access to others
• Download, copy, or redistribute course content without permission
• Screen record, capture, or extract video lectures
• Use automated tools (bots, scrapers) to access content
• Attempt to hack, breach, or compromise our security systems
• Circumvent access restrictions or subscription limitations
• Post inappropriate, offensive, or harmful content
• Harass, threaten, or abuse other users or staff
• Cheat on tests or submit work that is not your own
• Provide false information during registration or payment
• Use the Services for any illegal or unauthorized purpose
• Interfere with or disrupt the Services or servers
• Create accounts using fake identities or impersonate others

8.1 Termination by User

You may terminate your account at any time by:

• Cancelling your subscription through account settings
• Submitting an account deletion request through our Account Deletion Page
• Contacting our support team at support@creativetaleem.app

Upon voluntary termination, you will retain access until the end of your current billing period. No refund will be provided for the remaining subscription period.

8.2 Termination by Creative Taleem

We reserve the right to suspend or terminate your account immediately, without prior notice or liability, for any reason including but not limited to:

8.3 Warning System

For minor violations, we may issue warnings before termination:

• First Warning: Written notification via email
• Second Warning: Temporary suspension (7 days)
• Third Warning: Permanent account termination

Severe violations bypass the warning system and result in immediate permanent termination.

8.4 Effects of Termination

Upon account termination:

• All access to Services will be immediately revoked
• Downloaded content must be deleted from your devices
• No refund will be provided for terminated accounts due to violations
• Your progress, certificates, and achievements will be forfeited
• You may not create a new account without explicit permission
• We may retain your data as required by law or for legitimate purposes

9.1 Our Content

All content on the Platform, including but not limited to videos, text, graphics, logos, images, audio, course materials, software, and the compilation thereof, is the exclusive property of Creative Taleem or its licensors and is protected by Pakistani and international copyright, trademark, and other intellectual property laws.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and view the content solely for your personal, non-commercial educational use. This license does not include:

• Any right to resell or commercially use any content
• Any right to download (except explicitly permitted resources)
• Any right to modify, reproduce, or distribute content
• Any right to use content for teaching or tutoring others commercially

9.3 User Content

By posting content (comments, questions, forum posts) on our Platform, you grant us a non-exclusive, royalty-free, worldwide license to use, modify, display, and distribute such content. You retain ownership of your content but agree not to post content that infringes on others' rights.

10.1 Service Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT GUARANTEE:

• Uninterrupted or error-free access to Services
• That defects will be corrected
• That the Services are free of viruses or harmful components
• Specific educational outcomes or exam results
• Accuracy or completeness of any content

10.2 Educational Disclaimer

Our educational content is for supplementary learning purposes only. We do not guarantee any specific grades, exam success, or educational outcomes. Success depends on individual effort, study habits, and various other factors beyond our control.

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREATIVE TALEEM SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from unauthorized access to your account
• Content or conduct of third parties on the Platform
• Any errors or omissions in content

Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim.

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal information. By using our Services, you consent to our data practices as described in the Privacy Policy. This includes data collection necessary for service provision, analytics, and platform improvement.

You agree to indemnify, defend, and hold harmless Creative Taleem, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any content you post or submit
• Your violation of any applicable law or regulation

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, without regard to its conflict of law provisions.

13.2 Dispute Resolution Process

In case of any dispute arising from these Terms or your use of the Services:

1. Informal Resolution: First, contact us at support@creativetaleem.app to attempt informal resolution
2. Mediation: If informal resolution fails, parties agree to participate in good-faith mediation
3. Arbitration: Disputes not resolved through mediation shall be submitted to binding arbitration
4. Jurisdiction: Any legal proceedings shall be conducted in the courts of Pakistan

We reserve the right to:

• Modify, suspend, or discontinue any part of the Services at any time
• Update these Terms with or without notice
• Change course content, instructors, or schedules
• Adjust pricing for future billing periods
• Implement new features or remove existing ones

Material changes to these Terms will be notified via email or prominent notice on the Platform. Your continued use after such changes constitutes acceptance.

15.1 Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and Creative Taleem regarding the use of Services.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15.4 Assignment

You may not assign or transfer these Terms or your rights without our consent. We may assign our rights and obligations without restriction.

If you have any questions about these Terms and Conditions, please contact us: