Welcome to Chaajao. By accessing or using our website, mobile applications, courses, or services, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our platform.

1. About Chaajao

Chaajao is an online learning platform providing educational content, live and recorded classes, practice tests, and digital learning resources for exams including MDCAT, ECAT, BCAT, SAT, Matric, Intermediate, and skill-based programs.

2. Eligibility

• Users must be at least 13 years old to use the platform
• Users under 18 years are assumed to have parental or guardian consent
• You agree to provide accurate and complete information during registration

3. Account Registration & Security

• You are responsible for maintaining the confidentiality of your account credentials
• Any activity under your account is your responsibility
• Chaajao reserves the right to suspend or terminate accounts involved in misuse, fraud, or policy violations

4. Course Access & Usage

• Course access (free or paid) is provided only to the registered user
• Sharing login credentials or content with others is strictly prohibited
• Content access may vary based on free or premium plans

5. Payments & Pricing

• Paid courses require full payment before access is granted
• Prices are displayed in PKR unless stated otherwise
• Chaajao reserves the right to update pricing at any time

Bank Transfer Payments

• Access is granted after payment verification (within stated timeframes)

Card Payments

• Access is typically granted after successful transaction confirmation

6. Refund & Cancellation Policy

• Payments once made are non-refundable, unless explicitly stated otherwise
• Refunds, if applicable, are subject to Chaajao’s internal review and approval
• Free trial or preview access does not guarantee refunds

7. Intellectual Property Rights

• All content including videos, MCQs, lectures, graphics, and materials are the intellectual property of Chaajao
• Users may not copy, reproduce, distribute, or resell any content without written permission

8. Acceptable Use Policy

You agree not to:

• Use the platform for unlawful or harmful purposes
• Attempt to hack, scrape, or disrupt the system
• Upload malicious software or misleading content
• Share copyrighted content illegally

Violation may result in immediate account termination.

9. Platform Availability

• We strive for uninterrupted access but do not guarantee error-free or continuous service
• Chaajao is not liable for technical issues, maintenance downtime, or internet disruptions

10. Limitation of Liability

Chaajao shall not be held liable for:

• Exam results or admission outcomes
• Indirect, incidental, or consequential damages
• Loss of data due to factors beyond reasonable control

Educational success depends on individual effort and consistency.

11. Third-Party Services

Chaajao may integrate third-party services such as:

• Payment gateways
• Analytics tools
• Hosting services

We are not responsible for the policies or practices of third-party platforms.

12. Data Protection & Privacy

Your use of Chaajao is also governed by our Privacy Policy, which explains how personal data is collected, processed, and protected in compliance with Pakistan law and GDPR.

13. Termination of Services

Chaajao reserves the right to:

• Suspend or terminate access for violations of these terms
• Modify or discontinue services without prior notice

14. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by the laws of the Islamic Republic of Pakistan.
Any disputes shall be subject to the jurisdiction of Pakistani courts.

15. Changes to These Terms

Chaajao may update these Terms & Conditions from time to time. Continued use of the platform implies acceptance of the updated terms.

16. Contact Information

For questions or concerns regarding these Terms:

📧 Email: info@chaajao.com
📞 Phone / WhatsApp: +92 349 0510405