Terms of Service

1. Overview of the Service

Rattanote provides digital educational content through the following offering:

• Library Materials: Downloadable digital study materials created and published by Rattanote, including reference guides, summaries, and educational resources.

The Service is offered in compliance with the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, the Goods and Services Tax Act, 2017, the Payment and Settlement Systems Act, 2007, and all other applicable laws of India. Our products are classified as Online Information and Database Access or Retrieval (OIDAR) services under the GST Act.

1.1 Country / Place of Supply

In accordance with Rule 5 of the Consumer Protection (E-Commerce) Rules, 2020, we disclose the following:

• Nature of the service: Digital, downloadable study materials (no physical shipment).
• Country of origin of the content: Authored and published by Rattanote for the Indian education market.
• Place of supply: India, based on the address you provide at checkout (the “Address on File” rule under Section 13(12) of the IGST Act, 2017).
• Seller for tax purposes: Dodo Payments, Inc. as Merchant of Record and authorised reseller.

2. Account Registration

1. You must create an account to access paid features. You agree to provide accurate, current, and complete information and to keep it up to date.
2. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
3. Age and parental consent:Under Section 2(f) of the Digital Personal Data Protection Act, 2023, a “child” is an individual who has not completed 18 years of age. You must be at least 18 years of age to create an account on your own. Users below 18 must, before registration, obtain verifiable parental or lawful guardian consent, in line with Section 9 of the DPDP Act and Rule 10 of the DPDP Rules, 2025. We do not undertake tracking, behavioural monitoring, or targeted advertising directed at children.
4. We reserve the right to refuse or terminate accounts at our discretion, including for providing false information, violating these Terms, or engaging in fraudulent or abusive activity.

3. Purchases and Payment

1. All prices are quoted in Indian Rupees (INR, ₹) and are inclusive of applicable taxes (including 18% Goods and Services Tax on OIDAR services) unless stated otherwise. Prices may change without prior notice; the price shown at order confirmation is the price you will be charged.
2. Payment is due at the time of purchase and is processed by Dodo Payments, our Merchant of Record. We accept UPI, credit and debit cards (Visa, Mastercard, RuPay), net banking, and other methods displayed at checkout. Available methods may vary by your location and device.
3. UPI payments are subject to per-transaction limits set by the National Payments Corporation of India (NPCI) (currently up to ₹1,00,000 per transaction for most categories) and any additional limits imposed by your bank. For purchases above the standard UPI limit, please use an alternative payment method.
4. By completing a purchase, you authorise Dodo Payments to charge your selected payment method for the total order amount. Dodo Payments calculates and collects applicable Goods and Services Tax on our behalf in accordance with the GST Act, 2017 and the OIDAR rules.
5. GST invoice. A GST-compliant tax invoice is generated for every successful transaction and is available from Dodo Payments after the payment is settled. If you require an invoice addressed to a GST-registered business, please provide your GSTIN at checkout. Without a valid GSTIN, the invoice will be issued as a consumer tax invoice.
6. All sales are subject to our Refund Policy.

4. Library Materials & Download Licence

1. Purchased materials are available for instant download immediately after payment confirmation. By initiating a download, you expressly request immediate delivery of digital content.
2. Each purchase entitles you to a maximum of 5 downloads of the same material per account, unless a different limit is shown on the product page. This limit is intended to prevent unauthorised redistribution; if you exhaust your downloads due to a technical issue, please write to contact@solvaaa.com and we will assist you.
3. All library materials are created and published by Rattanote.
4. We are not responsible for failed downloads caused by your browser settings, local PDF reader, device limitations, or network issues outside our control.

5. Intellectual Property

1. All content provided through the Service is owned by Rattanote and protected under the Copyright Act, 1957, the Trade Marks Act, 1999, and other applicable intellectual property laws of India.
2. Your purchase grants you a limited, non-exclusive, non-transferable, revocable, personal licence to use the content for your own private, non-commercial educational purposes only.
3. You may NOT:
   • Copy, reproduce, distribute, publish, or share purchased content (including on coaching groups, Telegram, WhatsApp, or any file-sharing platform)
   • Create derivative works based on our content
   • Use the content for any commercial purpose, including coaching or paid tutoring
   • Remove or alter any copyright notices, watermarks, or DRM
   • Resell, sublicense, or transfer access to any content or your account
4. Violation of these restrictions may result in immediate account termination and legal action under applicable Indian law, including civil and criminal remedies under the Copyright Act, 1957 and the IT Act, 2000.

6. User Conduct

You agree not to:

• Use the Service for any unlawful purpose under Indian law
• Provide false or misleading information
• Impersonate any person or entity
• Interfere with or disrupt the Service or its infrastructure
• Attempt to gain unauthorised access to any part of the Service
• Use automated tools to scrape, crawl, or extract content
• Initiate fraudulent payment transactions or chargebacks without first attempting resolution with us
• Upload or transmit viruses, malware, or any malicious code

7. Account Termination and Data Deletion

1. Self-service deletion: You may deactivate and delete your account at any time via My Page → Deactivate Account.
2. Deletion by email request: You may also request deletion by writing to contact@solvaaa.com from your registered email. Verified requests will be actioned within 30 days.
3. Third-party sign-in data: Deactivating your account removes any third-party provider identifiers (Google, Facebook) we received. You may additionally revoke access from the provider's own settings.
4. Retention after deletion: Personal data is removed from active systems within 30 days. Transaction and tax records may be retained for up to 8 years as required by the GST Act, 2017 and the Companies Act, 2013. See our Privacy Policy.
5. Termination by us: We may suspend or terminate accounts for material violations of these Terms or for fraudulent activity, with reasonable notice where practicable. No refund will be issued for termination caused by your material breach of these Terms.

8. Grievance Redressal

In accordance with the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023, we have designated a Grievance Officer to handle consumer, privacy, and content-related complaints:

• Designation: Grievance Officer, Rattanote
• Email: contact@solvaaa.com

We will acknowledge your complaint within 48 hours of receipt and aim to resolve it within one month of the date of receipt, in accordance with Rule 4 of the Consumer Protection (E-Commerce) Rules, 2020. If our resolution is not satisfactory, you may escalate the matter to:

• The National Consumer Helpline (toll-free: 1800-11-4000) or the Consumer Disputes Redressal Commission having jurisdiction.
• The Data Protection Board of India for personal-data complaints, which is operational from 13 November 2025 under the DPDP Rules, 2025.
• The RBI Complaint Management System at cms.rbi.org.in for payment-system grievances.

9. Disclaimers

1. THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
2. Educational content is offered as a study aid only and does not guarantee any particular exam result or outcome.
3. We are not responsible for service interruptions caused by third-party platforms, payment processors, natural disasters, or events beyond our reasonable control (force majeure).
4. Nothing in this section excludes or limits our liability for matters that cannot lawfully be excluded under the Consumer Protection Act, 2019 or any other applicable Indian law.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RATTANOTE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM. NOTHING IN THESE TERMS LIMITS LIABILITY FOR FRAUD, DEATH, OR PERSONAL INJURY CAUSED BY NEGLIGENCE WHERE SUCH LIMITATION IS PROHIBITED BY LAW, OR YOUR STATUTORY RIGHTS AS A CONSUMER UNDER THE CONSUMER PROTECTION ACT, 2019.

11. Indemnification

You agree to indemnify, defend, and hold harmless Rattanote and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and reasonable expenses (including reasonable legal fees) arising out of your use of the Service, your breach of these Terms, or your infringement of any third-party rights.

12. Privacy

Your use of the Service is governed by our Privacy Policy, which describes how we collect, use, and protect your personal information in accordance with the Digital Personal Data Protection Act, 2023, the DPDP Rules, 2025, the Information Technology Act, 2000, and the SPDI Rules, 2011.

13. Dispute Resolution

1. Please contact us first at contact@solvaaa.com or through our Grievance Officer (Section 8) to attempt informal resolution.
2. Any dispute that cannot be resolved informally shall be referred to and finally resolved by binding arbitration under the Arbitration and Conciliation Act, 1996 (as amended). The seat and venue of arbitration shall be Mumbai, Maharashtra, India. The arbitration shall be conducted by a sole arbitrator appointed by mutual agreement of the parties, failing which the appointment shall be made in accordance with the Act. Proceedings shall be conducted in English.
3. For consumer disputes, nothing in these Terms limits your rights under the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, the Payment and Settlement Systems Act, 2007, or any other applicable Indian law. A consumer remains entitled to pursue remedies before the relevant Consumer Disputes Redressal Commission notwithstanding the arbitration clause.
4. YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS OR REPRESENTATIVE ACTION, except where such waiver is unenforceable under Indian law.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Subject to the arbitration clause above and to your statutory consumer rights, the courts at Mumbai, Maharashtra shall have exclusive jurisdiction over any dispute arising from these Terms or the Service. Consumer-related claims may, at the consumer's option, be brought before the Consumer Disputes Redressal Commission having jurisdiction under the Consumer Protection Act, 2019.

15. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms to the extent caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemic, government action, strikes, power failures, internet outages, or failure of third-party payment or hosting infrastructure.

16. Changes to These Terms

1. We may update these Terms at any time by posting the revised version on our website and updating the "Last Updated" date.
2. For changes that materially reduce your rights, we will provide at least 30 days' notice by email or through a prominent notice on the Service.
3. Continued use of the Service after a change takes effect constitutes your acceptance of the revised Terms.

17. Severability

If any provision of these Terms is held unenforceable by a court of competent jurisdiction or an arbitral tribunal, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

18. Contact Us

For questions about these Terms, or to exercise any rights you may have under applicable law, please write to us at contact@solvaaa.com. This inbox is operated by Rattanote and is the official channel for all legal, privacy, and account-related queries.