These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User", "Buyer", "You") and Study Hub Network ("we", "us", "our"), operated under the brand Study Hub, based in Shimla, Himachal Pradesh, India — upon accessing our website or purchasing any of our digital products.

1. Acceptance of Terms

Access to and use of Study Hub's website and products is conditioned on your acceptance of these Terms. If you disagree with any part, you must not proceed with any purchase.

2. Nature of Products

Study Hub sells digital products only — PDF eBooks and digital health guides. No physical goods are manufactured, stored, or shipped. All products are delivered electronically via an instant, automated download link immediately after payment confirmation.

3. Eligibility

• You must be at least 18 years of age to make a purchase independently.
• If purchasing on behalf of a minor, you take full parental or guardian responsibility.
• You must provide accurate name, email address, and contact details during purchase.
• You must reside in India or be purchasing from a valid Indian payment source.

4. Payments via Razorpay

All payments are processed securely via Razorpay — a PCI-DSS compliant, RBI-licensed payment gateway. Study Hub does not store, access, or process any payment card, UPI, or banking credentials directly. All transaction data is handled entirely by Razorpay. All prices are in Indian Rupees (₹ INR).

5. License & Intellectual Property

Upon successful payment, you receive a personal, non-exclusive, non-transferable license to use the purchased product for personal, non-commercial study only. You are strictly prohibited from:

• Sharing, forwarding, or distributing the content to any other person
• Uploading to any platform — Telegram, WhatsApp, Google Drive, social media, etc.
• Reselling, sublicensing, or commercially exploiting the material in any form
• Reproducing or creating derivative works without written permission from Study Hub Network

Violations may result in legal action under the Copyright Act, 1957 and Information Technology Act, 2000.

6. Disclaimer of Exam Results

Study Hub does not guarantee any specific exam result, rank, score, or government selection. Our materials are preparation aids only.

7. Limitation of Liability

Study Hub Network shall not be liable for any direct, indirect, or consequential damages arising from the use of our products. Our total liability shall not exceed the amount paid by you for the specific product.

8. Modifications to Terms

We reserve the right to update these Terms at any time. Continued use after changes constitutes acceptance. The effective date above reflects the most recent update.

9. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Shimla, Himachal Pradesh, India.

Study Hub Network (brand: Study Hub) is committed to protecting your privacy in compliance with the Information Technology Act, 2000 and applicable Indian data protection standards.

1. Information We Collect

• Name — provided during checkout
• Email address — to deliver your purchase and send confirmations
• Phone number — if provided voluntarily via contact or checkout
• Transaction ID & payment status — via Razorpay (we do NOT store card, UPI, or banking details)
• Device & browser data — via cookies for site improvement
• IP address — collected automatically by web servers for security

2. How We Use Your Information

• To deliver your purchased product via instant automated download link
• To send purchase receipts and order confirmation emails
• To provide customer support and resolve delivery or access issues
• To improve our website using anonymous aggregate analytics
• To comply with applicable legal obligations

3. Payment Processing via Razorpay

All payments on Study Hub are processed exclusively through Razorpay (Razorpay Software Private Limited), a licensed and RBI-compliant payment gateway. Study Hub Network does not store, view, or have access to your card number, CVV, UPI PIN, net banking credentials, or any sensitive payment information. All such data is handled securely by Razorpay under their PCI-DSS Level 1 compliance framework.

4. Cookies

Our website may use cookies to improve your browsing experience and gather aggregate analytics. You may disable cookies in your browser settings, though some features may not function as expected.

5. Third-Party Services

• Razorpay — secure payment processing (governed by Razorpay's Privacy Policy)
• Google Analytics — anonymous website usage analytics (if enabled)
• Vercel — website hosting and delivery infrastructure

Study Hub Network is not responsible for the data practices of these third-party providers.

6. Data Retention

Your personal data is retained only as long as necessary. Transaction records may be retained for up to 7 years as required under Indian accounting and tax regulations.

7. Your Rights

• Request access to your personal data held by us
• Request correction of any inaccurate data
• Request deletion of your data (subject to legal obligations)

To exercise your rights, email: studyhubnetwork@gmail.com

8. Security

We implement reasonable technical and organizational security measures to protect your information. No method of internet transmission is 100% secure and we cannot guarantee absolute security.

9. Children's Privacy

Our services are not directed at children under 13 years of age. We do not knowingly collect personal information from children. Contact us immediately if you believe a child has provided us personal data.

General Policy

As per standard digital goods policy and Indian consumer protection guidelines, all sales of digital products are generally final and non-refundable once the product download link has been generated and delivered, as digital products cannot be "returned" once accessed.

Exceptions — When Refunds ARE Issued

We will issue a full refund in the following specific cases:

• Payment was successfully deducted but the download link was not delivered to your email within 24 hours
• You were charged more than once for the same order (duplicate payment)
• A technical error on our end prevented you from accessing the product
• The product delivered was significantly different from what was described on the product page

Refund Request Process

Cancellation Policy

Since all products are digital and delivered instantly via automated download link upon payment confirmation, order cancellation after payment is not possible. Please review all product descriptions and pricing carefully before completing your purchase.

Our Products

Study Hub offers digital PDF products in two categories — HP Government Exam preparation eBooks and personal development health guides. All products are instantly delivered. No physical shipment is involved.

Delivery Method — Instant Automatic Download

Delivery Commitment

• 100% digital — zero shipping time, no physical delivery
• Instant download link generated automatically post-payment
• Email delivery within 5–10 minutes of payment confirmation
• Backup resend available any time on request
• Lifetime access — no expiry on the PDF file

Study Hub Network is operated as an individual digital content business based in Himachal Pradesh, India. All contact and identity details are provided below in full compliance with Razorpay merchant verification requirements and Indian consumer protection norms.

Support Hours

We respond to all queries within 24–48 hours on business days (Monday to Saturday, 9:00 AM – 6:00 PM IST). For urgent delivery issues, WhatsApp at +91 8629844548 for faster response.

Grievance / Dispute Resolution

For all complaints, refund requests, or legal queries — email studyhubnetwork@gmail.com with full order details. We are committed to resolving all genuine concerns fairly and transparently under applicable Indian consumer protection law.