Terms & Conditions

1 Acceptance of Terms

These Terms & Conditions ("Terms") are a binding agreement between you ("User," "Student," "Teacher," "Principal," "Member") and [COMPANY LEGAL NAME] ("SkillWave," "we," "us"), operating at skillwave.es. We may update these Terms at any time; continued use after a change constitutes acceptance. Material changes affecting referral commissions or withdrawal terms will be notified at least 30 days in advance.

2 Eligibility

• You must be at least 18 years old to register or use SkillWave in any role.
• You must provide accurate, complete registration information. Providing false information may result in account suspension.
• Each individual may hold only one Student account. Duplicate accounts created to manipulate referrals or plan access are prohibited.
• Teacher and Principal accounts are subject to admin/institutional review and approval before activation.
• SkillWave reserves the right to refuse, suspend, or terminate any registration at its discretion.

3 Account Registration & Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. SkillWave staff will never ask for your password. Notify us immediately at support@skillwave.es if you suspect unauthorized access. We are not liable for losses arising from your failure to safeguard your credentials.

4 Subscription Plans & Course Access

• Access to paid courses requires an active subscription plan. Plans are tiered; higher tiers unlock more course content.
• Prices are shown in Indian Rupees (₹) and are inclusive of applicable taxes unless stated otherwise.
• Plans are valid for the period stated at purchase and expire automatically without auto-renewal — there is nothing to actively cancel.
• Plans and course access are non-transferable between accounts.
• You are granted a limited, non-exclusive, revocable license to stream course content for personal, non-commercial learning during your active subscription. Downloading, screen-recording, redistributing, or reselling course content is prohibited.
• SkillWave may add, modify, or discontinue courses or plans, and will make reasonable efforts to notify active subscribers before removing content they currently have access to.

5 Payments

• All payments are processed through Razorpay, a PCI-DSS-compliant, RBI-regulated payment gateway. We do not store your card, CVV, or net-banking credentials.
• Your plan activates once payment is confirmed by Razorpay and verified on our server.
• If your bank account is debited but SkillWave does not receive payment confirmation, the amount is auto-refunded by Razorpay, typically within 5–7 business days.

6 Refunds & Cancellations

SkillWave allows a limited-time refund request after purchase, and purchases become final once that window closes. Full details — including the exact time window, refund percentage, and process — are in our Refund & Cancellation Policy, which forms part of these Terms.

7 Referral Program

• SkillWave operates a multi-level referral program (up to 3 levels for Student-to-Student referrals) and a separate Teacher/Principal referral structure. Current commission rates are shown live on your dashboard and in the Admin-configured settings; they are not fixed for the life of your account and may change with advance notice.
• Referral commissions are calculated as a percentage of the referred person's plan payment and are held in a pending state during the purchase's refund window (see Section 6) before being released to your wallet. If that purchase is refunded or cancelled, the associated commission is cancelled.
• The referral program is a supplementary earning opportunity attached to the sale of a genuine digital learning subscription — it is not an investment product, and participation is not required to access the courses you have paid for.
• SkillWave is not a money-circulation scheme, chit fund, or pyramid scheme. Fake accounts, self-referrals, or artificially inflated referral activity are prohibited and will result in forfeiture of the related commission and possible account suspension.
• Full commission rules, examples, and fraud-prevention terms are in our Referral Program Terms (linked from your dashboard).

8 Wallet & Withdrawals

• Commissions and earnings credited to your wallet may be withdrawn to your bank account or UPI ID, subject to the minimum and maximum withdrawal limits shown in your dashboard (these are configurable by SkillWave and may change).
• A processing fee currently set at 5% applies to every withdrawal request; the fee percentage is displayed to you before you confirm a withdrawal.
• Withdrawal requests require email OTP verification and are subject to a cooldown period (currently 7 days) between successive approved withdrawals.
• You are solely responsible for the accuracy of the bank/UPI details you provide. SkillWave is not liable for funds sent to an incorrect account due to details you entered.
• Withdrawals may be rejected for incorrect payout details, active fraud review, or amounts exceeding your verified wallet balance; rejected amounts are restored to your wallet.

9 Teacher & Principal Obligations

• Teachers must provide original, accurate course content free of plagiarism or infringing material, and are independent contributors, not employees of SkillWave.
• Principals are responsible for the accuracy of institutional information provided and for any budget they choose to allocate to advertising campaigns (Section 11).
• SkillWave may remove any course or suspend any Teacher/Principal account that violates these Terms or applicable law.

10 Prohibited Activities

You agree not to: use the platform for any unlawful or fraudulent purpose; create fake or duplicate accounts; manipulate the referral or commission system; harass, abuse, or threaten other users or staff; attempt to hack, scrape, or reverse-engineer the platform; upload malicious code; misrepresent your identity or affiliation with SkillWave; or send unsolicited bulk promotion of your referral link.

11 Principal Advertising Tools

Principals may optionally fund and launch YouTube/Google Ads campaigns for their institution through our Google Ads API integration. Campaign budgets are set and paid for by the Principal. SkillWave facilitates campaign setup and reporting but does not control, and is not responsible for, Google's approval, delivery, pricing, or performance of any campaign. All campaigns remain subject to Google's own advertising policies.

12 Intellectual Property

The SkillWave name, logo, platform design, and software are the property of [COMPANY LEGAL NAME]. Course content belongs to SkillWave or the contributing Teacher and is licensed to you for personal learning only, as described in Section 4. Any content you submit (profile information, support messages) remains yours, but you grant SkillWave a license to use it to operate the platform.

13 Account Suspension & Termination

We may suspend or terminate any account that violates these Terms. Where termination is due to a violation, unused plan access is forfeited and any wallet balance directly tied to fraudulent activity may be withheld pending investigation; legitimately earned balances above the minimum withdrawal threshold will otherwise be reviewed and paid out on request. You may request voluntary account deletion at any time by contacting support@skillwave.es.

14 Disclaimers & Limitation of Liability

SkillWave is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages, and our total liability to you for any claim will not exceed the amount you paid for your current active subscription plan. See our full Disclaimer for details on income representations, third-party links, and platform availability.

15 Indemnification

You agree to indemnify and hold SkillWave, its officers, and staff harmless from any claim, loss, or expense (including reasonable legal fees) arising from your violation of these Terms, misuse of the referral program, or infringement of a third party's rights.

16 Governing Law & Dispute Resolution

These Terms are governed by the laws of India. Any dispute will first be raised with our support team at support@skillwave.es for informal resolution. If unresolved, disputes are subject to the exclusive jurisdiction of the courts of [CITY], [STATE], India.

17 Contact

General support: support@skillwave.es
Legal inquiries: [LEGAL EMAIL]
Company: [COMPANY LEGAL NAME]
Registered address: [REGISTERED ADDRESS]

See also: Privacy Policy · Refund Policy · Disclaimer · Cookie Policy · Acceptable Use Policy