Privacy Policy

This Privacy Policy ("Privacy Policy/Policy") discloses the privacy practices for Ebix Classes Private Limited ("Ebix Classes", "We/we" or " Us/us") with regard to Your ("You/you" or "Your/your") use of the online platform ebix.ai ("Website") and its associated mobile application. This Privacy Policy, along with the Terms of Use, describes our practices regarding how we collect, store, use, share, and secure your personal information across our Website and mobile application. It also describes your rights regarding use, access, and correction of your personal information and how to contact us or supervisory authorities in the event of a complaint.

By visiting or using this Website or App, you agree to be bound by the terms and conditions of this Privacy Policy. Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not use/access this Website or App.

We review this Privacy Policy from time to time to ensure it remains up to date. If you are a registered user, we will notify you before we make significant changes to this Policy and give you the opportunity to review the revised Policy before you continue using our services.

By Personal Data, we mean any information that can either identify you as an individual ("Personally Identifying Information") or be connected to you indirectly by linking it to such information.

COLLECTION OF INFORMATION

As a visitor, you can browse our Website to learn more about our platform. You are not required to provide us with any Personal Data as a visitor. However, when you visit our Site or App, we collect and store certain information in order to improve security, analyze trends, and administer the Website/App to improve your experience.

We collect your Personal Data when you register with us, express interest in obtaining information about our products or services, participate in activities on our platform, or otherwise contact us.

We collect Personal Data only when we have a lawful basis to do so — to comply with legal obligations, perform a contract, pursue our legitimate interests, or where you have provided consent.

Our primary goal in collecting your Personal Data is to provide you a safe, efficient, smooth, and customized experience. This helps us provide courses, study materials, and tutorials tailored to your needs.

When you visit our Website or App, as part of using our services or registering, we may collect:

• Contact Information (name, email, photo, address, phone number, IP address)
• Identity Verification Data (DOB, mark sheets, ID details like Passport/Aadhaar/Voter ID)
• Billing and Payment Data (card or UPI info via secure gateways)
• Login Credentials (username, password)
• Preferences, course data, reviews, and account settings

Payment transactions are processed through secure third-party gateways such as Razorpay, PayU, or CCAvenue. We do not store any complete payment card details on our servers.

GOOGLE PLAY DATA DISCLOSURE COMPLIANCE

In accordance with Google Play's User Data Policy, Ebix Classes discloses that our app may collect user data such as identifiers, device information, location (if enabled), and usage analytics to enhance app functionality, performance, and security.

• Data is used only for legitimate app functionality and service improvement.
• We do not sell or share personal or sensitive user data with third parties for advertising or marketing.
• We comply with Google Play's Families Policy where applicable, ensuring that any data collection for users under 13 is handled with verifiable parental consent.
• Users can review, update, or delete their data as described in this Policy.

USAGE AND RETENTION OF INFORMATION

We use your information to:

• Deliver and improve our educational services
• Provide customer support and account-related communication
• Personalize learning recommendations and study materials
• Detect and prevent fraud or illegal activities
• Conduct analytics and research for better service quality

We retain your personal data only as long as necessary to fulfill the purposes outlined in this Policy, or as required by applicable laws.

APP PERMISSIONS AND DEVICE DATA

When you install or use our mobile app, we may request certain permissions such as:

• Camera (for profile photos or ID verification)
• Microphone (for voice interactions or classroom participation)
• Storage (to download and save study materials)
• Notifications (for reminders or updates)

These permissions are optional and can be managed through your device settings. We do not collect or store any device data beyond what is necessary for the app's functioning.

COMMUNITY

Ebix Classes offers features like forums or discussion groups for members to communicate in public or semi-public spaces. For users under 13, parental supervision is required when participating in these spaces. Any personal information shared should be done with discretion. Ebix Classes reserves the right to moderate and remove content that violates our community guidelines or risks user privacy.

PARENTAL RIGHTS

In compliance with the Children's Online Privacy Protection Act (COPPA) and Google Play Families Policy, we do not knowingly collect personal information from children under 13 without parental consent.

Parents or guardians have the right to:

• Review or delete their child's information
• Request data disclosure details (what was collected, why, and with whom it was shared)

To exercise these rights, contact us at info@ebixsmartclass.com with the subject line "COPPA Request."

We do not use children's personal information for advertising or profiling purposes.

SHARING AND DISCLOSING PERSONAL INFORMATION

We may engage third-party service providers ("Service Providers") to assist with analytics, IT support, payment processing, marketing, or customer service. These Service Providers access data strictly on our behalf and under confidentiality agreements. We do not authorize them to use or disclose your data for any unrelated purpose.

For users in Europe, data may be transferred from the EEA/Switzerland to India, with adequate protection in accordance with GDPR standards.

GOOGLE PLAY SERVICES AND THIRD-PARTY SDKs

Our app may integrate third-party SDKs such as Google Play Services, Firebase Analytics, and Crashlytics for:

• Analytics and diagnostics
• Performance monitoring
• User experience improvements

Each third-party SDK complies with Google Play's User Data Policy. You may refer to their respective privacy policies for more information.

SECURITY

We implement appropriate technical and administrative measures to safeguard your information against unauthorized access, alteration, or loss. These include:

• SSL encryption
• Firewalls and access control
• 64-bit password encryption
• Secure data centers in India

While we strive for full security, no online system is entirely risk-free. By using our Website/App, you acknowledge and accept this limitation. If you believe your account has been compromised, please contact us at info@ebixsmartclass.com .

Notwithstanding anything contained anywhere in this Agreement, we cannot assure absolute security to your personal data and by entering into or by logging into our website/app, you explicitly agree not to sue us for any data breach.

COOKIES

We use cookies to:

• Recognize returning users
• Store preferences
• Improve loading speed and analytics

You can disable cookies from your browser settings, though some site/app features may not function correctly.

For users under 13, cookies do not collect Personally Identifiable Information without verified parental consent.

THIRD PARTIES AND LINKS

Our platform may include links to third-party websites or services. We are not responsible for the privacy practices of such third parties. Please review their privacy policies before sharing any information.

We may pass your details to other companies in our group or to our agents and subcontractors to help us with any of our uses of your data set out in our Privacy Policy. We may exchange information with third parties for the purposes of fraud protection and credit risk reduction. We may transfer our databases containing your personal information if we sell our business or part of it.

CONSULTING

We may employ third parties to provide backend or marketing services. These entities are contractually bound to handle your data as per this Privacy Policy and cannot use it for their own benefit.

CHOICE

You may choose to opt out of marketing communications by:

• Using the unsubscribe link in emails
• Adjusting your communication preferences
• Contacting us directly via chat, WhatsApp, or email

We do not sell or rent personal information for third-party marketing without explicit consent.

OWNERSHIP OF RIGHTS

All rights, including copyright, in this Website/App are owned by or licensed to Ebix Classes. You may not reproduce, distribute, or use any content commercially without written permission.

The Site contains copyrighted material, trademarks, and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music, sound, and the entire contents of Ebix Classes are protected by copyright as a collective work under the applicable copyright laws. You may download/print/save copyrighted material for your personal use only.

If you come across any abuse or violation of these Terms, please report it to info@ebixsmartclass.com.

CONSENT

By submitting data to us or using our services, you consent to our use of your information as described in this Policy.

CONDITIONS OF USE

We make no warranty that our Website/App or servers are free from viruses or harmful components. We are not liable for damages arising from your use of our services, including, but not limited to compensatory, direct, indirect, incidental, punitive, special or consequential damages, loss of data, goodwill, business opportunity, income or profit, loss of or damage to property and claims of third parties.

GRIEVANCE OFFICER

In accordance with the Information Technology Act, 2000 and applicable rules, the Grievance Officer is:

Email: info@ebixsmartclass.com

GENERAL

Modification:

We may modify this Privacy Policy at any time without prior notice. Updated versions will be posted on our Website and App. Continued use of our services after modifications constitutes your acceptance of the revised Policy. Should you wish to terminate your account due to a modification, you may do so by emailing us at info@ebixsmartclass.com.

Ebix Classes MAY DISCLOSE INFORMATION:

• as required by law, such as to comply with a subpoena or similar legal process;
• to enforce applicable ToU (Terms of Use), including investigation of potential violations thereof;
• when we believe in good faith that the disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, address security or technical issues, or respond to a government request;
• with our trusted service providers who work on our behalf and do not have an independent use of the information we disclose to them and have agreed to and adhered to the rules outlined in this Policy;
• to protect against imminent harm to the rights, property, or safety of the Application/Website or our users or the public as required or permitted by law;
• with third-party service providers to personalize the Application/Website/Services/products for a better user experience and to perform behavioral analysis;

Governing Law and Jurisdiction:

This Policy and any disputes arising from it shall be governed by the laws of India. All disputes shall be referred to a sole arbitrator in accordance with the Arbitration and Conciliation Act, 1996, with proceedings held in Bangalore, India, in English. Courts in Bangalore shall have exclusive jurisdiction.

Last Updated: October 2025