These Terms and Conditions ("Terms") are an agreement between you and Studyhub Technologies ("we", "us", "our") for the use of ProBankershub: our website at https://probankershub.com, our Android and iPhone apps and the study content in them (together, the "Service"). By creating an account, buying a plan or using the Service you accept these Terms, our Privacy Policy and our Cancellation and Refund Policy. If you do not agree, please do not use the Service.
1. The Service
ProBankershub is an online study aid for officers of public-sector banks in India who are preparing for internal promotion exams, Scale I to V. It offers practice questions (MCQs) with explanations, timed mock tests, conceptual audio lessons, circulars, Acts and study PDFs, progress analytics and a readiness report, on the website and in the apps, with offline downloads in the app.
ProBankershub is an independent service. It is not affiliated with, authorised by or endorsed by any bank, the Reserve Bank of India, the Indian Banks' Association or any exam body. Bank names and logos belong to their owners and are used only to show which content applies to each bank.
We prepare the content carefully, but rules, circulars and exam patterns change. Always check the latest official circulars of your bank and the RBI. The content is study material, not legal, financial or career advice.
Your result depends on your own preparation. We do not promise any score, rank, pass or promotion. The readiness report is an indication based only on your practice in the Service.
2. Your account
You must be at least 18 years old and able to enter into a binding contract under Indian law.
Give your real name, an e-mail address and a mobile number that you own, and keep them up to date. We verify the mobile number with a one-time code.
An account is for one person only. Keep your password secret: you are responsible for everything done through your account. Tell us at once if you think someone else has used it.
You can be signed in on one mobile device and one web browser at a time (the app shows the current limit). Signing in on another device of the same type signs out the previous one. Frequent sign-ins from many devices or places may be treated as account sharing.
3. Free trial
You can use the content marked "free trial" without paying and without giving any payment details. We may change what the free trial includes. All other content needs an active paid plan.
4. Plans, prices and payment
A plan gives access to all paid content for a fixed period (for example one, six or twelve months), starting when the payment is confirmed. The plans and their prices are shown on our website and in the app before you pay.
Prices are in Indian rupees.
Payments are processed by our payment partner Razorpay, with the methods offered at checkout (such as UPI, cards, net banking and wallets). We never receive your full card number, CVV or UPI PIN.
Coupon codes are valid only on the terms stated with them, cannot be exchanged for cash and may be withdrawn.
We may change our prices and plans. A change never affects a period you have already paid for.
If money is debited but your plan is not activated, contact us with the payment reference (see our Cancellation and Refund Policy).
5. Autopay and cancellation
Some plans offer autopay. If you turn it on, you authorise us, through Razorpay and your bank or UPI app, to charge the plan price shortly before each period ends so that your access continues. Your bank or UPI app may notify you before each charge, as RBI rules require.
You can turn autopay off at any time on the Plans page of the app or the website, or by cancelling the mandate in your bank or UPI app. Turning it off stops all future charges; the current period continues until its end date and is not refunded.
A plan without autopay simply ends on its end date. There is nothing to cancel, and we remind you before it ends.
6. Cancellations and refunds
Refunds are given only in the cases described in our Cancellation and Refund Policy, which is part of these Terms.
7. Your licence to use the content
All content in the Service (questions, explanations, mock tests, audio, notes, PDFs, the selection and arrangement of circulars, the software and its design) belongs to us or our licensors and is protected by the Copyright Act, 1957 and other laws. While your account is in good standing, we give you a personal, limited, non-exclusive and non-transferable licence to use the content for your own exam preparation, only inside the Service.
You must not:
share your account or password, or let anyone else use your access;
copy, download (except through the app's offline feature), record, photograph, screenshot, print, scrape or otherwise reproduce the content;
post, sell, forward or distribute any content, including in WhatsApp or Telegram groups, on websites or social media, or in coaching material;
remove, hide or alter watermarks or any other protection, or try to get around the device limit, the offline download protection or any other security measure;
use bots, scripts, emulators, rooted or jailbroken devices or other tools to extract content, or reverse engineer the apps; or
use the Service in a way that breaks the law, harms other users or overloads our systems.
Protected pages and documents carry a watermark that identifies your account, and we record attempts to copy, print or record protected content (see our Privacy Policy). If you break this section, we may suspend or close your account without a refund and take legal action, including under the Copyright Act, 1957 and the Information Technology Act, 2000.
8. Offline downloads
With an active plan you can download lectures, documents and question sets in the app to study without a connection. Downloads are encrypted, open only inside the app on the device that downloaded them, and cannot be copied as files. They stay usable offline for a limited period shown in the app and renew whenever the app connects. They lock when your plan ends and are removed when you sign out or the device is signed out. Downloads may not be available on every device or for every item.
9. Changes to the Service and availability
We keep improving the Service, so we may add, change or remove content and features. We try to keep it available at all times, but it may be interrupted for maintenance, updates or reasons beyond our control. If a problem on our side keeps you from the paid content for a long time, our Cancellation and Refund Policy explains what we do.
10. Suspension and closing your account
You can stop using the Service and delete your account at any time from your account settings. We may suspend or close an account that breaks these Terms or is used for fraud or abuse, or when the law requires it. Where we can, we tell you the reason and give you a chance to respond.
11. Limitation of liability
The Service is provided as it is, as a study aid. To the extent the law allows, we are not liable for indirect or consequential loss (such as a lost opportunity, promotion or income) arising from the use of the Service, and our total liability to you for any claim is limited to the amount you paid us for the plan the claim relates to. Nothing in these Terms limits a right you have as a consumer that the law does not allow to be limited.
12. Changes to these Terms
We may update these Terms. The date at the top of this page shows the current version. If a change is significant, we will tell you in the app or by e-mail before it takes effect; using the Service after that means you accept the updated Terms.
13. Governing law and disputes
These Terms are governed by the laws of India. Please contact us first so that we can try to solve any problem. Subject to your rights under the Consumer Protection Act, 2019 (including your right to approach a consumer commission), the courts in Goa have exclusive jurisdiction over any dispute arising from these Terms or the Service.
14. Grievance Officer and contact
For complaints about the Service, its content or these Terms, contact our Grievance Officer:
- Grievance Officer: appointed by the business; reach the officer through the contact below
- E-mail: studyhubtechnologies@gmail.com
- Address: Fatorda, Madgaon, Goa 403602
We acknowledge every complaint within 24 hours and resolve it within 15 days of receiving it. For anything else, contact us:
- E-mail: studyhubtechnologies@gmail.com
- Hours: 10AM - 07PM
- Address: Studyhub Technologies, Fatorda, Madgaon, Goa 403602
Business details
- Legal name: Studyhub Technologies
- Registered office: Fatorda, Madgaon, Goa 403602