STUDYFLO

TERMS AND CONDITIONS OF USE

AI-Powered Educational Platform

Effective Date: 26 May 2026 | Version 2.0

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING OR USING THE STUDYFLO PLATFORM. BY REGISTERING AN ACCOUNT, ACCESSING THE PLATFORM, OR USING ANY FEATURE OF THE STUDYFLO SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY DISCONTINUE ALL USE OF THE PLATFORM.

PART I — INTRODUCTION, COMPANY IDENTITY, AND CONTACT INFORMATION

1. About StudyFlo

StudyFlo is an AI-powered educational software-as-a-service (SaaS) platform designed to assist students, educators, and academic institutions with examination preparation, essay writing, note-taking, study planning, and related academic activities.

The Platform is developed, owned, operated, and maintained by StudyFlo (legal entity name to be updated upon registration; hereinafter referred to as "StudyFlo", "we", "us", or "our"). The Platform is accessible to individual users via personal subscription plans and to institutions via institutional licensing arrangements.

2. Company and Contact Information

The following contact details are provided for all user, institutional, legal, and regulatory communications:

Registered Office Address:

[To be updated upon company registration — Bengaluru, Karnataka, India]

General Support:

Email: surya@studyflo.in

Phone: +91 90192 00530

Website: studyflo.in

Legal and Contract Notices:

For legal notices, contract queries, intellectual property matters, and formal institutional communications:

Email: surya@studyflo.in (mark subject: LEGAL NOTICE)

Data Protection and Privacy Grievances:

In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023, StudyFlo has designated the following Grievance Officer for data protection and privacy-related complaints:

Grievance Officer: Surya [full name to be updated]

Email: surya@studyflo.in (mark subject: PRIVACY GRIEVANCE)

Phone: +91 90192 00530

Users may file a grievance regarding their personal data or any alleged violation of applicable data protection law. StudyFlo will acknowledge grievances within 48 hours and aim to resolve them within 30 days of receipt.

Institutional Partnership and Enterprise Enquiries:

Email: surya@studyflo.in (mark subject: INSTITUTIONAL ENQUIRY)

Phone: +91 90192 00530

3. How These Terms Are Structured

These Terms are a public document setting out the legal relationship between StudyFlo and everyone who uses the Platform. They are not confidential. StudyFlo encourages all Users and Institutions to read them in full before engaging with the Platform.

These Terms are supplemented by two additional documents that should be read alongside them:

• StudyFlo Privacy Policy — governing how we collect, process, store, and share personal data, including our obligations under the Digital Personal Data Protection Act, 2023 (DPDP Act), and our position on third-party AI provider data handling.
• StudyFlo Academic Integrity Policy — setting out the standards for appropriate and ethical use of AI-generated content in academic contexts.

In the event of any conflict between these Terms and any other document, these Terms shall prevail unless a separately signed Institutional Agreement or Statement of Work expressly provides otherwise.

PART II — FOUNDATIONAL DEFINITIONS

4. Definitions

The following terms carry the meanings assigned to them below throughout these Terms and all documents incorporated by reference:

• "Platform" means the StudyFlo website, application, APIs, backend systems, AI tools, interfaces, dashboards, and any associated services, whether accessed via web browser, mobile application, or any other channel made available by StudyFlo.
• "User" means any individual who accesses, registers for, or uses the Platform in any capacity, including students, educators, institutional administrators, and any other end user.
• "Child" or "Minor" means, for the purposes of these Terms and in accordance with the Digital Personal Data Protection Act, 2023 (India), any individual under the age of eighteen (18) years.
• "Institution" means any school, college, university, coaching centre, educational organisation, tutoring company, or professional training provider that enters into a commercial arrangement with StudyFlo to provide Platform access to its students, staff, or other designated users.
• "Account" means the registered user profile associated with a unique email address or authentication credential created by or on behalf of a User to access Platform features.
• "Subscription Plan" or "Plan" means the specific tier of access subscribed to by a User or Institution, governing the scope of features, AI model access, token allocations, and usage limits available.
• "StudyFlo Tokens" means the internal computational credit unit used to measure and meter AI processing activity. Consumption is calculated based on the volume of text processed by AI models, adjusted by each model's billing multiplier.
• "Token Wallet" means the digital balance of StudyFlo Tokens associated with a User's Account, representing remaining AI processing capacity under the active Subscription Plan.
• "User Content" means any materials, files, text, notes, essays, PDFs, documents, or other data uploaded, submitted, created, or provided by a User to the Platform.
• "Generated Content" means any outputs, results, mock examinations, graded feedback, study plans, summaries, answers, or other content produced by the Platform's AI systems in response to a User's request or submitted User Content.
• "AI Models" means the third-party large language models integrated into the Platform, including but not limited to OpenAI's GPT-series models and Google's Gemma and Gemini-series models.
• "Institutional Agreement" means a separate commercial contract between StudyFlo and an Institution governing institutional access, customisation, pricing, and other bespoke arrangements.
• "Customisation Engagement" means a separately scoped, contracted, and priced project in which StudyFlo agrees to develop, modify, or extend Platform features for an Institution per a signed Statement of Work.
• "Statement of Work" or "SOW" means the written document, signed by both parties, describing the specific scope, timeline, deliverables, milestones, acceptance criteria, and commercial terms for a Customisation Engagement.
• "Intellectual Property" means all patents, trademarks, service marks, trade names, copyrights, design rights, database rights, trade secrets, know-how, and any other proprietary or intellectual property rights, whether registered or unregistered.
• "Personal Data" means any information relating to an identified or identifiable natural person, as defined under the Digital Personal Data Protection Act, 2023 and other applicable law.
• "DPDP Act" means the Digital Personal Data Protection Act, 2023 (India).
• "Force Majeure Event" means any event beyond StudyFlo's reasonable control, including acts of God, natural disasters, war, terrorism, pandemic, government action, infrastructure failure, third-party service outages, or cyberattacks.

5. Acceptance of Terms

These Terms constitute a legally binding agreement between you (the User) and StudyFlo. Your use of the Platform in any form — including browsing, registering, logging in, uploading content, or requesting AI-generated outputs — constitutes your full and unconditional acceptance of these Terms.

If you are accepting these Terms on behalf of a legal entity such as a company, institution, or organisation, you represent and warrant that you have the authority to bind that entity to these Terms, and that you accept these Terms on its behalf. In such cases, "you" and "your" shall refer to the relevant legal entity.

StudyFlo reserves the right to amend these Terms at any time. When material changes are made, StudyFlo will provide notice via the Platform, by email, or by any other reasonably effective means. Your continued use of the Platform after any amendment constitutes acceptance of the revised Terms.

PART III — ACCOUNTS, ELIGIBILITY, AND CHILD PROTECTION

6. Eligibility — General

The Platform is intended for use by individuals engaged in academic study or educational activity. Users may access the Platform as individual subscribers or through an Institutional Plan. In either case, the eligibility requirements in this Part apply.

7. Age Eligibility and Child Protection (DPDP Act Compliance)

IMPORTANT — INDIA DPDP ACT NOTICE: Under the Digital Personal Data Protection Act, 2023 (India), a "child" is defined as any person under the age of 18 years. The DPDP Act imposes specific obligations on data fiduciaries (including StudyFlo) when processing the personal data of children, including the requirement to obtain verifiable parental or guardian consent before processing a child's personal data. StudyFlo is compliant with these obligations as set out below.

StudyFlo does not knowingly permit children (persons under 18 years) to register for individual consumer accounts without appropriate parental or guardian consent. The following rules apply:

• Individual Registration (Direct Users): If you are under 18 years of age, you may only register for and use a StudyFlo Account with the explicit, verifiable consent of a parent or legal guardian. By completing registration as a minor, your parent or guardian is deemed to have consented to the processing of your personal data on the Platform in accordance with StudyFlo's Privacy Policy.
• Institutional Access (Minor Students): Where an Institution provides Platform access to students who are under 18 years of age, the Institution is responsible for ensuring that all necessary consents under the DPDP Act have been obtained from the minor's parent or guardian, or that the Institution is acting as a recognised fiduciary or school on behalf of the minor in accordance with applicable law and exemptions.
• StudyFlo's Reliance on Institutional Representations: Where an Institution certifies in its Institutional Agreement that it has obtained all required consents for the enrolment of minor students, StudyFlo may rely on that representation. However, the Institution assumes full legal responsibility for the accuracy of that representation.
• No Harmful Tracking: StudyFlo will not subject users identified as or suspected to be minors to behavioural tracking, targeted advertising, or data processing that is not strictly necessary for the provision of educational services.

StudyFlo reserves the right to suspend or delete any Account where it discovers or has reason to believe that a minor has registered without appropriate parental or guardian consent, and will take all steps required by the DPDP Act in such circumstances.

8. Account Registration and Security

To access most features of the Platform, you must register and maintain an Account. Registration requires a valid email address and a secure password, or authentication via a supported third-party identity provider such as Google OAuth.

You agree to provide accurate, current, and complete information during the registration process and to update such information promptly whenever it changes. Providing false or misleading information is a violation of these Terms and may result in Account suspension or termination.

You are solely responsible for maintaining the confidentiality of your Account credentials and for all activity that occurs under your Account. You agree to immediately notify StudyFlo at surya@studyflo.in or +91 90192 00530 if you suspect any unauthorised access to your Account. StudyFlo shall not be liable for losses arising from your failure to safeguard your credentials.

Accounts are personal and non-transferable. Institutional Agreements may provide for multi-user or seat-based access under separately defined terms.

9. Subscription Plans and Access Tiers

StudyFlo offers the Platform through a tiered subscription model. Different plans provide different features, AI model capabilities, and Token Wallet allocations. Plan details — including current pricing, token limits, and feature scope — are published on the StudyFlo website and may be updated periodically with reasonable prior notice to active subscribers.

A Free Tier may be available providing limited access at no charge, subject to lower token allocations and feature restrictions. Free Tier access is provided at StudyFlo's sole discretion and may be modified, restricted, or discontinued at any time.

Institutional Plans are separately negotiated and governed by individual Institutional Agreements, as set out in Part VI of these Terms.

PART IV — STUDYFLO TOKENS, BILLING, AND PAYMENTS

10. How StudyFlo Tokens Work

StudyFlo uses an internal token-based metering system to measure and allocate AI processing capacity. When a User submits a request to any AI-powered feature — such as generating a mock examination, grading an essay, or engaging in AI chat — the computational cost of processing that request is deducted from the User's Token Wallet.

Token consumption is calculated as a function of the total number of input and output tokens processed by the underlying AI model, multiplied by that model's billing multiplier. Different AI models carry different multipliers reflecting their respective computational cost:

• Economy models carry a lower billing multiplier, meaning a given Token Wallet balance affords greater processing volume through these models.
• Standard models carry a multiplier of approximately 1:1 against raw token consumption.
• Premium models carry a significantly higher billing multiplier and consume Token Wallet balance more quickly per equivalent volume of text.

The Token Wallet balance and a per-model breakdown of available and consumed tokens are displayed on each User's profile page. Token balances reset periodically in accordance with the User's active Subscription Plan. Unused tokens do not automatically roll over unless explicitly stated in the plan description at the time of subscription.

11. Billing, Renewals, and Cancellations

Paid Subscription Plans are billed on a recurring basis (monthly or annually, as selected at the time of subscription). Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. Users are responsible for managing their subscription and cancelling in advance if they do not wish to be charged for the next period.

Cancellations take effect at the end of the current billing period. No partial refunds are provided for unused time within a billing period, except as required by applicable law. StudyFlo reserves the right to change plan pricing with reasonable advance notice. Continued use after a price change takes effect constitutes acceptance of the new pricing.

12. Refund Policy

Unless otherwise required by applicable law, all payments for Subscription Plans and token top-ups are non-refundable. StudyFlo may, at its sole discretion, issue credits or refunds in exceptional circumstances, such as verified material platform outages attributable to StudyFlo that significantly impaired a User's access during a paid period. Refund requests must be submitted to surya@studyflo.in within 30 days of the relevant event.

Institutional refund arrangements are governed by the applicable Institutional Agreement and may differ from the standard refund policy set out above.

PART V — PLATFORM FEATURES, AI OUTPUTS, AND ACCEPTABLE USE

13. Description of Platform Features

StudyFlo provides the following core features, which may be expanded, modified, or supplemented at StudyFlo's discretion:

13.1 Mock Examination Generator

Allows Users to upload source materials (PDFs) or specify a subject area, whereupon the Platform generates practice examination papers including multiple-choice, short-answer, and essay questions. The alignment between source materials and generated questions is an AI-generated approximation and cannot be guaranteed to be accurate or exhaustive.

13.2 AI Essay Grading and Feedback

Accepts User-submitted written work and provides automated assessments including structural feedback, argument evaluation, and indicative grade recommendations. This output is generated by AI and does not constitute formal academic assessment. It should not be submitted to any educational institution or examination body as evidence of academic performance.

13.3 AI Chat (Academic Q&A)

Enables Users to engage in conversational exchanges with AI models on academic topics. Responses are generated by large language models and may not always be accurate, current, or appropriate for high-stakes academic reliance. Legal, medical, financial, or other professional information generated through AI Chat is not a substitute for qualified professional advice.

13.4 Study Plan Generator

Creates personalised revision schedules based on User-specified parameters. Plans are algorithmically and AI-generated and do not guarantee any particular academic outcome.

13.5 Notes Application

Provides Users with an AI-assisted note-taking environment. Notes created on the Platform are stored securely and are, by default, accessible only to the User who created them.

IMPORTANT — INSTITUTIONAL ADMINISTRATOR ACCESS TO STUDENT NOTES: Under certain Institutional Agreements, StudyFlo may grant designated institutional administrators the technical ability to access notes created by enrolled students within that institution's managed deployment. This capability will ONLY be enabled where: (a) it is explicitly disclosed in the Institutional Agreement and the applicable student-facing enrollment or consent documentation provided by the Institution; (b) the Institution has obtained all necessary consents from students (and, for minor students, from their parents or guardians) as required by the DPDP Act and any other applicable law; and (c) access is limited to the specific administrative purposes defined in the Institutional Agreement. StudyFlo strongly recommends that Institutions inform their students clearly and transparently about any administrator access to notes before deploying this feature. StudyFlo is not responsible for Institutions that enable administrator access without adequate student disclosure.

13.6 Google Drive Integration

Where a User connects a Google Drive account, the Platform creates and manages a dedicated folder within that User's Drive for storing Platform-related files. This integration is optional and requires the User's active authorisation via Google's OAuth flow. StudyFlo stores a refresh token, held in encrypted storage, solely for maintaining access on the User's behalf. Users may revoke access at any time through their Google Account settings, which will prevent StudyFlo from accessing their Drive going forward.

14. AI Model Access and Selection

Users with access to the model selection feature may choose from a range of AI models, subject to their active Subscription Plan. StudyFlo reserves the right to add, remove, enable, disable, or modify model availability at any time. Where a selected model is unavailable, the Platform's automatic fallback system routes the request to an alternative available model. StudyFlo is not liable for output quality differences resulting from such fallback.

15. Accuracy and Reliability of AI Outputs

StudyFlo's AI features are powered by probabilistic language models. All Generated Content is produced by statistical inference and may contain inaccuracies, errors, omissions, hallucinations, or outputs inconsistent with authoritative sources. Specific risks include:

• Mock examination questions may not accurately reflect the content of uploaded source documents, and may not align with any official examination syllabus or marking scheme.
• Essay feedback and grading outputs are indicative and not binding. They do not constitute formal academic evaluations.
• AI Chat responses may reflect the knowledge limitations and training data cutoffs of the underlying models.
• Study plans are algorithmic suggestions and do not account for the specific requirements of any particular curriculum unless explicitly provided by the User.

StudyFlo strongly recommends that all Generated Content be reviewed by a qualified educator, examiner, or subject-matter expert before being relied upon for any significant academic purpose.

16. Acceptable Use Policy

By using the Platform, you agree to use it solely for lawful purposes and in accordance with these Terms. You agree that you will not:

16.1 General Misuse

• Use the Platform to generate content that is fraudulent, misleading, defamatory, obscene, harmful, threatening, harassing, or discriminatory.
• Submit User Content that infringes the Intellectual Property rights, privacy rights, or any other legal rights of any third party.
• Use the Platform in any manner that facilitates academic dishonesty, as further described in Part XI of these Terms.

16.2 Technical Misuse

• Attempt to reverse engineer, decompile, disassemble, or otherwise access the source code or underlying systems of the Platform.
• Attempt to extract, reproduce, clone, or replicate StudyFlo's AI prompt templates, workflow orchestration logic, grading algorithms, or any other proprietary system or methodology.
• Use automated scripts, bots, crawlers, scrapers, or any other programmatic means to access the Platform at scale, extract data, or circumvent rate limits or access controls.
• Probe, scan, test, or attempt to exploit any security vulnerability in the Platform or its infrastructure.

16.3 Commercial Misuse

• Resell, sublicense, or otherwise commercially exploit Platform access without a written commercial agreement with StudyFlo.
• Create competing products or services that replicate or are substantially derived from the Platform's features, user experience, or proprietary systems.
• Use Generated Content for large-scale commercial publication, redistribution, or commercialisation without StudyFlo's prior written consent.

PART VI — INSTITUTIONAL LICENSING AND PARTNERSHIPS

17. Overview of Institutional Access Models

StudyFlo offers two distinct models for institutions seeking to provide the Platform to their students, staff, or other designated users. Both models are governed by a separate, individually negotiated Institutional Agreement. No institutional access of any kind commences until a valid Institutional Agreement has been signed by authorised representatives of both parties.

18. Model A — Standard Institutional Licensing (Base Platform Access)

18.1 What Standard Institutional Licensing Provides

Under a Standard Institutional Licence, an Institution obtains the right to provide designated users with access to the StudyFlo Platform in its standard, commercially available form. Standard Institutional Licensing may include, depending on the terms of the applicable Institutional Agreement:

• Seat-based or institution-wide access licences covering a defined number of enrolled users.
• Institution-managed onboarding workflows, enabling administrators to provision student accounts directly.
• Organisation-level token pool allocation, in which the Institution purchases shared or per-student token capacity.
• Email-domain-restricted registration, limiting access to individuals with a designated institutional email domain.
• Organisation-level usage dashboards providing aggregate data on platform engagement and token consumption.
• Access to institutional support channels and account management services.

18.2 What Standard Institutional Licensing Does Not Provide

A Standard Institutional Licence does not include any customisation of the Platform's features, branding, user interface, AI workflows, or integration with external institutional systems. Institutions seeking these capabilities must enter into a Customisation Engagement as described in Section 19 below.

The Platform is provided as-is under a Standard Institutional Licence, subject to the same availability, functionality, and limitation disclaimers that apply to individual subscribers.

18.3 Institutional Administrator Responsibilities

The Institution is responsible for:

• Ensuring that administrator access is used solely for legitimate institutional management purposes.
• Maintaining the security and confidentiality of all administrator credentials.
• Obtaining all necessary consents from students and, where required by the DPDP Act, from the parents or guardians of minor students, before enrolling those students on the Platform and before activating any administrator access features that involve access to student data or notes.
• Informing enrolled students clearly and prior to enrolment about: what data is collected by the Platform; how the Platform's AI features work; what administrator access rights (if any) have been enabled; and how students may raise data-related concerns.
• Ensuring that all enrolled users comply with the Institution's academic integrity policies and applicable data protection obligations.
• Promptly notifying StudyFlo at surya@studyflo.in if any security incident, data breach, or suspected unauthorised access occurs within the institutional deployment.

19. Model B — Customisation Engagements (Bespoke Institutional Deployments)

19.1 Overview

StudyFlo offers a bespoke Customisation Engagement model for institutions requiring a version of the Platform that goes beyond the standard product. Under this model, StudyFlo's engineering and product teams develop, modify, or extend the Platform to meet the Institution's specific requirements, in exchange for a separately negotiated fixed fee or project-based commercial arrangement.

A Customisation Engagement is a professional services engagement. It requires a formal, written, and mutually signed Statement of Work (SOW) before any development activity commences.

19.2 Types of Customisation Available

Institutions may request customisations across the following categories, subject to technical feasibility, commercial agreement, and StudyFlo's development capacity:

A. Interface and Branding Customisation

• Institution-specific branding including logos, colour schemes, typography, and visual identity applied to a dedicated institutional deployment.
• Custom domain configuration (e.g. studyflo.yourinstitution.edu.in or a subdomain thereof).
• Custom landing pages, welcome messages, and institution-specific onboarding flows.
• Removal or restriction of Platform features not relevant to the Institution's use case.

B. AI and Workflow Customisation

• Custom AI model configurations including system prompt tuning, subject-specific persona configuration, or output format specifications.
• Institution-specific examination paper templates, grading rubrics, or academic standards encoded into the AI workflow.
• Custom AI tools designed around the Institution's specific subject offerings, curriculum framework, or examination board requirements.
• Custom token allocation policies, including differential token budgets for different student cohorts or academic programmes.

C. Data and Reporting Customisation

• Custom institutional reporting dashboards with institution-defined metrics, cohort segmentation, and performance analytics.
• Data export functionality in Institution-specified formats for integration with the Institution's own student information systems.
• Custom audit trails, activity logs, or compliance reporting tools aligned with the Institution's internal governance requirements.

D. Integration and Authentication Customisation

• Integration with the Institution's existing Learning Management System (LMS) such as Moodle, Blackboard, Canvas, or similar platforms.
• Integration with the Institution's Student Information System (SIS) or ERP for automated enrolment and user synchronisation.
• Single Sign-On (SSO) integration with the Institution's identity provider using SAML, OAuth 2.0, OpenID Connect, or other supported protocols.
• API access for programmatic integration with the Institution's own internal tools or digital infrastructure.

19.3 Customisation Request and Approval Process

No customisation work will begin, no commitments will arise, and no obligations will be created unless and until a fully executed Statement of Work exists between StudyFlo and the requesting Institution. The process is as follows:

• Step 1 — Initial Request: The Institution submits a written request to StudyFlo describing the customisation(s) sought, via surya@studyflo.in or the enterprise contact form on the Platform.
• Step 2 — Discovery and Scoping: StudyFlo conducts a discovery session with the Institution to understand requirements, assess technical feasibility, and identify constraints.
• Step 3 — Proposal: StudyFlo presents a written proposal including scope description, timeline, deliverables, and commercial terms.
• Step 4 — Commercial Agreement: The parties negotiate and execute a Statement of Work and, if not already in place, an Institutional Agreement. The SOW documents agreed scope, milestones, payment schedule, and acceptance criteria.
• Step 5 — Development Commencement: Only upon execution of all required agreements and receipt of any required upfront payment does StudyFlo commence development.

19.4 Pricing

Customisation Engagements are priced on a project basis, reflecting the complexity and estimated engineering effort required. Pricing is determined during scoping and documented in the Statement of Work. Pricing structures may include fixed project fees, time-and-materials arrangements, milestone-based payment schedules, and ongoing maintenance retainers. Indicative pricing is not published publicly, as costs vary significantly by institutional requirement. Please contact StudyFlo at surya@studyflo.in to initiate a conversation.

19.5 StudyFlo's Sole Discretion in Customisation Decisions

StudyFlo retains absolute and sole discretion to: accept or decline any customisation request; determine the technical approach and architecture for any agreed customisation; establish and manage development timelines subject to agreed milestones; and determine the estimated engineering cost and commercial terms for any proposal.

19.6 No Guaranteed Integration Compatibility

Where an Institution requests integration with its existing institutional systems, StudyFlo does not guarantee technical compatibility with any specific version of the Institution's systems, continuous integration functionality following changes to those systems without notice to StudyFlo, or successful integration within the Institution's preferred timeline where that timeline is contingent on third-party cooperation. Integration feasibility depends on the availability of third-party APIs, institutional cooperation, and factors outside StudyFlo's direct control.

PART VII — INTELLECTUAL PROPERTY

20. Ownership of the Platform and Proprietary Systems

StudyFlo and its licensors own, exclusively and in their entirety, all Intellectual Property rights in and to the Platform and all its constituent components, including:

• The StudyFlo brand, name, logo, trade dress, and all associated trademarks and service marks.
• The Platform's software architecture, source code, compiled code, and all related technical documentation.
• The Platform's backend infrastructure, database schemas, data models, API designs, and server-side logic.
• All AI orchestration systems, including the AI provider abstraction layer, model routing logic, fallback systems, and token billing and quota enforcement systems.
• All prompt engineering systems, system prompt templates, AI instruction sets, and any other intellectual work product used to configure and direct the behaviour of AI models on the Platform.
• All grading algorithms, rubric systems, feedback generation frameworks, and academic assessment methodologies embedded in the Platform.
• All visual interfaces, UI/UX designs, design systems, and front-end implementations.
• All analytics systems, reporting frameworks, usage monitoring tools, and data visualisation components.
• All features, tools, and workflows developed as part of Customisation Engagements, including institution-specific implementations, unless otherwise explicitly agreed in a signed Statement of Work.

This ownership applies to present features as well as all future updates, enhancements, bug fixes, derivative works, and internal frameworks developed by StudyFlo.

21. User Content Ownership and Licence Grant

Users retain full ownership of all User Content they upload, create, or submit to the Platform. StudyFlo does not claim any ownership interest in User Content.

By uploading or submitting User Content, you grant StudyFlo a limited, non-exclusive, worldwide, royalty-free licence to use, store, process, reproduce, transmit, and display your User Content solely for the purpose of: operating the Platform and providing the features you have requested; processing your content through AI models to generate the outputs you have requested; and maintaining, backing up, and ensuring the security of the Platform.

This licence does not authorise StudyFlo to use your User Content for any commercial purpose beyond the operational provision of the Platform, to sell or share your User Content, or to use it to train public AI models without your explicit, separately obtained consent.

22. AI Training and Data Usage Policy

StudyFlo's position on the use of User Content in relation to AI training is as follows:

• StudyFlo does not intentionally use private User Content to train publicly deployed AI models.
• User Content is processed transiently by third-party AI model APIs (currently OpenAI and Google) for the purpose of generating requested outputs. StudyFlo does not independently control the data retention or internal usage practices of these third-party providers. Users should consult OpenAI's Privacy Policy (openai.com/policies/privacy-policy) and Google's Privacy Policy (policies.google.com/privacy) to understand how those providers handle data submitted to their APIs. StudyFlo's Privacy Policy links to these documents and provides further context.
• StudyFlo may use anonymised, aggregated, de-identified usage data — such as aggregate token consumption patterns and feature engagement metrics — for the purpose of improving Platform performance. This data does not identify individual Users or contain the content of User submissions.
• If StudyFlo's data usage practices change in a way that involves User Content for AI training, StudyFlo will provide clear advance notice and obtain explicit, separately obtained consent before doing so.

23. Intellectual Property Protections and Prohibited Activities

The following activities are strictly prohibited and constitute a material breach of these Terms:

• Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code or proprietary logic of the Platform.
• Extracting, reproducing, or attempting to replicate StudyFlo's AI prompt templates, system instruction sets, grading rubrics, or any other proprietary AI configuration.
• Scraping, harvesting, or programmatically extracting data, content, or outputs from the Platform at scale.
• Copying, cloning, or reproducing the Platform's user interface, feature set, or workflow design for the purpose of creating a competing product.
• Registering trademarks, domain names, or business names confusingly similar to StudyFlo's brand, name, or marks.

24. Institutional IP Arrangements

Institutions retain ownership of all institution-provided materials uploaded to or shared with StudyFlo, including institutional branding assets, logos, examination question banks, and curriculum documents.

StudyFlo retains ownership of all software, code, technical implementations, backend systems, and engineering improvements developed during any Customisation Engagement, unless the applicable Statement of Work explicitly and unambiguously assigns specific Intellectual Property to the Institution in writing. An Institution's commissioning of and payment for a Customisation Engagement confers a licence to use the resulting customised features within the scope defined in the applicable SOW, but does not transfer underlying Intellectual Property ownership. No IP rights are transferred to an Institution by virtue of an Institutional Agreement, fee payment, or any course of dealing, unless explicitly documented in a written agreement signed by an authorised officer of StudyFlo.

PART VIII — DATA PROTECTION AND PRIVACY

25. Privacy Policy

StudyFlo's collection, use, storage, and disclosure of Personal Data is governed in detail by StudyFlo's Privacy Policy, which is published on the Platform and is incorporated into these Terms by reference. The Privacy Policy should be read alongside these Terms. In the event of any conflict between these Terms and the Privacy Policy on a data protection matter, the Privacy Policy shall prevail.

StudyFlo processes Personal Data in compliance with applicable data protection legislation, primarily the Digital Personal Data Protection Act, 2023 (India) (DPDP Act), and, where applicable, the General Data Protection Regulation (GDPR) and other relevant national or regional law.

26. Categories of Personal Data Collected

StudyFlo collects and processes the following categories of data in connection with the Platform:

• Account data: name, email address, and authentication credentials provided during registration.
• User Content: PDFs, notes, essays, and other academic materials uploaded to the Platform. Users should be aware that uploaded documents are processed by third-party AI model APIs as described in Section 22.
• Usage data: feature interactions, tool requests, token consumption records, and session activity logs.
• Device and access data: IP addresses, browser type, operating system, and access timestamps, collected automatically for security and performance monitoring.
• Payment and billing data: processed by third-party payment providers. StudyFlo does not store full payment card details on its own infrastructure.
• Connected service data: where a User connects Google Drive, StudyFlo stores an encrypted OAuth refresh token for that integration. This token is used solely to maintain the Drive connection on the User's behalf.
• Support and communications data: records of support requests, feedback submissions, and other direct communications with StudyFlo.

THIRD-PARTY AI PROVIDER NOTICE: When User Content (including uploaded documents, chat messages, and submitted text) is sent to AI models for processing, that content is transmitted to third-party API providers (currently OpenAI and Google). StudyFlo does not independently control how these providers handle data received via their APIs. Users are encouraged to review the privacy policies of these providers. StudyFlo's Privacy Policy contains direct links to these documents and explains, to the best of StudyFlo's knowledge, how these providers treat API-submitted data. Users who have concerns about specific documents being transmitted to third-party AI providers should consider whether they are comfortable uploading those documents.

27. Data Security

StudyFlo implements technical and organisational security measures designed to protect User data against unauthorised access, disclosure, alteration, or destruction. These measures include Firebase Authentication-based session management, encrypted storage of sensitive credentials including OAuth refresh tokens, server-side access controls ensuring each User can only access data associated with their own Account, and authentication middleware protecting all API routes that handle User data.

No system is completely immune to security threats. StudyFlo does not warrant that the Platform is entirely free from vulnerabilities. Users are encouraged to use strong, unique passwords and to notify StudyFlo immediately at surya@studyflo.in or +91 90192 00530 if they suspect any Account compromise.

28. Data Retention and Deletion

StudyFlo retains User data for as long as necessary to provide the Platform services and comply with applicable legal obligations. Upon Account termination or deletion request, StudyFlo will take reasonable steps to delete or anonymise associated User data within a reasonable timeframe, subject to any legal requirements to retain certain data for specific periods.

Users may request deletion of their Account and associated data by contacting surya@studyflo.in. Requests will be processed in accordance with the Privacy Policy and applicable law. Certain data may be retained in anonymised form for statistical and product improvement purposes even after Account deletion.

29. Grievance Redressal — Data Protection

In accordance with the DPDP Act and the IT (Intermediary Guidelines) Rules, 2021, Users who have a complaint or concern about the processing of their Personal Data may contact StudyFlo's Grievance Officer:

Email: surya@studyflo.in (subject: PRIVACY GRIEVANCE)

Phone: +91 90192 00530

StudyFlo will acknowledge data-related grievances within 48 hours and aim to resolve them within 30 days of receipt.

PART IX — DISCLAIMERS AND LIMITATION OF LIABILITY

30. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STUDYFLO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; WARRANTIES THAT THE PLATFORM WILL MEET YOUR SPECIFIC REQUIREMENTS; WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; AND WARRANTIES THAT ANY AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, OR SUITABLE FOR ANY PARTICULAR ACADEMIC PURPOSE.

31. No Guarantee of Academic or Professional Outcomes

StudyFlo does not guarantee, promise, or represent that using the Platform will result in any particular academic outcome, including improvement in examination scores, passing any examination or academic programme, admission to any institution, success in any professional qualification, or improved learning speed or retention.

Academic performance depends on numerous factors entirely outside StudyFlo's control. StudyFlo's tools are designed to assist and support study — they are not a substitute for sustained academic effort, quality teaching, and personal preparation. All Platform marketing communications describing the Platform's educational benefits should be read in light of this disclaimer. Phrases such as "designed to assist", "intended to support", "aims to help", or "may improve" describe the Platform's purpose and are not guarantees of specific outcomes.

32. Accuracy Disclaimer for AI-Generated Content

StudyFlo explicitly disclaims responsibility for the accuracy, completeness, relevance, currency, or appropriateness of any Generated Content. AI models can and do produce outputs that are factually incorrect, inconsistent, misaligned with specific academic standards, or based on outdated information. Users should independently verify all Generated Content, particularly in high-stakes academic contexts. StudyFlo is not liable for decisions made or actions taken in reliance on Generated Content without independent verification.

33. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STUDYFLO, ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, PARTNERS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, INCLUDING LOSS OF DATA, LOSS OF PROFITS, ACADEMIC PENALTIES, EXAMINATION FAILURES, AI HALLUCINATIONS OR INACCURACIES, SERVICE INTERRUPTIONS, OR LOSS OR CORRUPTION OF USER CONTENT.

LIABILITY CAP — LEGAL REVIEW RECOMMENDED: Where StudyFlo's liability cannot be excluded by law, StudyFlo's total aggregate liability in respect of any claim shall not exceed the total fees paid by you to StudyFlo in the twelve (12) months immediately preceding the event giving rise to the claim, or such other amount as may be agreed in an applicable Institutional Agreement. NOTE TO STUDYFLO: The enforceability of liability caps under Indian law — particularly the Consumer Protection Act, 2019, and the DPDP Act — should be confirmed by a qualified Indian lawyer before these Terms are published for paid or institutional users. The cap may need adjustment based on user type (consumer vs. institutional), applicable statutory rights, and the nature of the liability.

34. Indemnification

You agree to indemnify, defend, and hold harmless StudyFlo, its directors, officers, employees, contractors, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of the Platform in violation of these Terms; any User Content you upload or submit that infringes third-party Intellectual Property rights or breaches applicable law; your misrepresentation of AI-generated content to any educational institution or authority; your breach of any academic integrity policy or legal obligation in connection with your Platform use; or any dispute between you and any third party arising from your Platform use.

PART X — PLATFORM AVAILABILITY AND SERVICE CONTINUITY

35. Service Availability

StudyFlo aims to provide reliable and consistent access to the Platform but does not guarantee uninterrupted availability. The Platform may be subject to scheduled maintenance windows (with advance notice where feasible), unscheduled outages caused by infrastructure failures or third-party service disruptions, degraded performance under high demand or due to third-party AI model issues, or changes to AI model availability resulting from third-party provider decisions.

StudyFlo will make reasonable efforts to restore service availability promptly following any unplanned outage and will communicate with affected Users through the Platform or by email where a significant outage occurs.

36. Third-Party Dependencies

The Platform relies on third-party services including OpenAI and Google (for AI model capabilities), Firebase (for authentication, database, and storage), and Resend (for transactional email delivery). StudyFlo's ability to provide certain features is contingent on these services. StudyFlo is not responsible for degradation, unavailability, or data consequences arising from failures or discontinuations by third-party providers.

37. Force Majeure

StudyFlo shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent caused by a Force Majeure Event. StudyFlo will notify affected Users as soon as practicable and will make reasonable efforts to restore normal service.

PART XI — ACADEMIC INTEGRITY AND ETHICAL USE

38. Academic Integrity Policy

StudyFlo strongly supports academic integrity and honest, independent scholarship. The Platform's AI features are designed as learning aids — tools that help students understand material, practise for examinations, and improve their writing — not tools to circumvent academic effort or deceive educational institutions. StudyFlo's full Academic Integrity Policy is published separately on the Platform and is incorporated into these Terms by reference.

StudyFlo expressly prohibits use of the Platform that facilitates academic dishonesty, including:

• Submitting AI-generated essays, examination answers, or other academic work as your own original work to any educational institution, without appropriate disclosure, in violation of that institution's academic integrity or plagiarism policy.
• Using the Platform to generate answers to live, active, or unseen examination questions during or in connection with a formal examination process.
• Using AI-generated content to misrepresent your academic capabilities to institutions, employers, or other parties.

39. Responsibility of the User

It is each User's responsibility to: understand and comply with the academic integrity policies of their educational institution; use AI-generated content appropriately as a learning support rather than a substitute for independent academic effort; disclose the use of AI tools where required by their institution's policies or applicable examination rules; and not make misleading representations to any third party about the extent of AI assistance involved in any work product.

PART XII — TERMINATION AND SUSPENSION

40. Termination by the User

You may terminate your Account and cease using the Platform at any time by using the account deletion function within Platform settings or by contacting surya@studyflo.in. Termination does not entitle you to a refund of any prepaid subscription fees, except as required by applicable law.

41. Termination or Suspension by StudyFlo

StudyFlo reserves the right to suspend, restrict, or terminate your access to the Platform, with or without prior notice, for: violation of these Terms, including the Acceptable Use Policy, Intellectual Property protections, or Academic Integrity Policy; non-payment of applicable fees or chargebacks; fraudulent, abusive, or harmful conduct; providing false or misleading information; receiving a valid legal order requiring restriction or termination; or where StudyFlo determines in its sole discretion that continued access poses a risk to the Platform, other Users, or StudyFlo itself.

42. Effect of Termination

Upon Account termination: your right to access the Platform immediately ceases; your Token Wallet balance is forfeited and will not be refunded, except as required by applicable law; User Content stored on the Platform will be deleted within a reasonable timeframe in accordance with the Privacy Policy; and provisions of these Terms that by their nature should survive termination shall continue in full force and effect, including Intellectual Property, Limitation of Liability, Indemnification, Disputes, and Governing Law.

PART XIII — DISPUTES, GOVERNING LAW, AND MISCELLANEOUS

43. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. For Institutional Agreements, the governing law may be specified in the applicable commercial contract.

44. Dispute Resolution

In the event of any dispute arising out of or in connection with these Terms or the use of the Platform, the parties agree to first attempt to resolve the dispute through good faith negotiation. Either party may initiate by providing written notice to the other party (to surya@studyflo.in for disputes with StudyFlo) describing the nature of the dispute and the resolution sought.

If the dispute is not resolved through negotiation within thirty (30) days, it shall be referred to mediation before a mutually agreed mediator. If mediation is unsuccessful within sixty (60) days of referral, the dispute shall be finally resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (India). The seat of arbitration shall be Bengaluru, Karnataka, India. The language of arbitration shall be English. Nothing in this clause prevents either party from seeking urgent interim or interlocutory relief from a court of competent jurisdiction.

45. Jurisdiction

Subject to the arbitration clause above, you irrevocably submit to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India, for the determination of any matter not subject to arbitration or for the enforcement of any arbitral award.

46. Consumer Protection

Nothing in these Terms is intended to exclude or limit any right you have under the Consumer Protection Act, 2019 (India) or any other applicable consumer protection legislation that cannot be excluded by contract. If you are a consumer within the meaning of applicable law, you retain all your statutory rights notwithstanding any provision in these Terms.

47. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

48. Entire Agreement

These Terms, together with StudyFlo's Privacy Policy, Academic Integrity Policy, and any applicable Institutional Agreement or Statement of Work, constitute the entire agreement between you and StudyFlo with respect to the Platform and supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether oral or written.

49. Waiver

No failure or delay by StudyFlo in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy.

50. Assignment

You may not assign or transfer any of your rights or obligations under these Terms without StudyFlo's prior written consent. StudyFlo may assign its rights and obligations to a successor entity in connection with a merger, acquisition, or sale of assets without your consent.

51. Notices

Legal notices to StudyFlo must be sent by email to surya@studyflo.in (subject: LEGAL NOTICE) or by post to StudyFlo's registered address as published on the Platform. StudyFlo may provide notices to you at the email address associated with your Account or via Platform notification.

52. Language

These Terms are drafted in English. If translated into any other language, the English version shall prevail in the event of any conflict.

53. No Partnership or Agency

Nothing in these Terms creates a partnership, joint venture, employment relationship, or agency relationship between you and StudyFlo.

54. Updates to These Terms

StudyFlo may update these Terms from time to time. The most current version will always be available on the Platform. Where changes are material, StudyFlo will provide advance notice by email or Platform notification. Continued use of the Platform after updated Terms take effect constitutes acceptance of the revised Terms.

APPENDIX A — SUMMARY OF COMPANION DOCUMENTS

These Terms are part of a broader set of legal and policy documents governing the StudyFlo Platform. The following companion documents are incorporated by reference into these Terms and should be read alongside them. They are published separately on the Platform:

• Privacy Policy: Sets out in full how StudyFlo collects, processes, stores, uses, and discloses Personal Data. Covers DPDP Act compliance in detail, including parental consent mechanisms for minor users, third-party AI provider data handling disclosures, data subject rights (access, correction, deletion, portability), data retention schedules, and the process for raising data protection complaints. Includes direct links to OpenAI's and Google's relevant privacy documentation.
• Academic Integrity Policy: Describes the standards for appropriate and ethical use of AI-generated content in academic contexts, guidance on disclosure obligations to educational institutions, examples of acceptable and unacceptable use, and StudyFlo's approach to suspected misuse.
• Cookie Policy (if applicable): Describes what cookies and similar tracking technologies are used on the Platform, why they are used, and how Users can manage their cookie preferences.

APPENDIX B — QUICK REFERENCE: KEY CONTACTS

All contacts at StudyFlo are currently handled by the founding team. Dedicated team contacts will be added as the company grows.

General Support and Queries:

surya@studyflo.in | +91 90192 00530 | studyflo.in

Legal and Contract Notices:

surya@studyflo.in (subject: LEGAL NOTICE)

Data Protection / Privacy Grievances (Grievance Officer):

surya@studyflo.in (subject: PRIVACY GRIEVANCE) | +91 90192 00530

Institutional and Enterprise Partnerships:

surya@studyflo.in (subject: INSTITUTIONAL ENQUIRY) | +91 90192 00530

Billing and Payment Queries:

surya@studyflo.in (subject: BILLING)

These Terms and Conditions were last updated on 26 May 2026 (Version 2.0). The most current version is always available at studyflo.in/terms.

StudyFlo — Empowering Learners Through Intelligent Education Technology.