Terms & Conditions

Website: learn.educardx.com · Operated by: EDUCARDX PRIVATE LIMITED · Effective date: 27 September 2026

1. Introduction

Welcome to EDUCARDX Learn, an educational information, knowledge, career and opportunities platform operated by EDUCARDX PRIVATE LIMITED ("EDUCARDX", "Company", "we", "us", or "our").

These Terms & Conditions ("Terms", "Terms and Conditions", or "Agreement") govern your access to and use of:

• https://learn.educardx.com;
• all webpages, articles, guides and resources published through the Website;
• scholarship, internship, employment, course and other opportunity listings;
• calculators, checklists, educational tools and other resources;
• newsletters and communications associated with EDUCARDX Learn;
• user accounts or features that may be introduced on EDUCARDX Learn; and
• other services, content and functionality made available through the Website.

By accessing, browsing, using, registering with, submitting information to, or otherwise interacting with EDUCARDX Learn, you acknowledge that you have read, understood and agreed to these Terms.

If you do not agree with these Terms, please discontinue use of the Website.

These Terms should be read together with our Privacy Policy, Cookie Policy, Disclaimer, Editorial Policy, Advertising Policy, Sponsored Content Policy, and any other applicable policies published on the Website.

2. About EDUCARDX Learn

EDUCARDX Learn is designed as a student-focused educational and information platform.

The Website may provide information and resources relating to areas including:

• student finance;
• financial literacy;
• credit education;
• education loans;
• careers;
• internships;
• jobs;
• scholarships;
• study abroad;
• courses and skills;
• technology;
• student productivity;
• professional development;
• competitions and hackathons;
• fellowships;
• certifications;
• educational opportunities; and
• other student-related information.

The objective of EDUCARDX Learn is to help students discover, understand and evaluate educational and career-related information.

EDUCARDX Learn is not intended to replace professional legal, financial, tax, educational, immigration, employment, medical or other professional advice.

3. Definitions

For these Terms:

• "Website" means learn.educardx.com and its webpages, subdomains, resources and associated digital interfaces.
• "EDUCARDX", "Company", "we", "us", or "our" means EDUCARDX PRIVATE LIMITED.
• "User", "you", or "your" means any person accessing or using the Website.
• "Content" means articles, guides, text, images, graphics, videos, illustrations, tools, calculators, databases, listings, links, data, designs and other materials made available through the Website.
• "Opportunity" means an internship, job, scholarship, course, competition, fellowship, research opportunity, certification, event, study-abroad opportunity or similar listing.
• "Third-Party Provider" means any external organization, institution, employer, university, scholarship provider, course provider, lender, merchant, technology provider or other third party.
• "Sponsored Content" means content, listings or promotional material for which a third party has provided consideration or other commercial benefit to EDUCARDX.
• "Partner" means an organization or third party that has a commercial, technology, educational, financial or other relationship with EDUCARDX.

4. Acceptance of These Terms

By using the Website, you confirm that:

• you have the legal capacity to enter into these Terms under applicable law;
• the information you provide to EDUCARDX is accurate where information is requested;
• you will use the Website only for lawful purposes;
• you will comply with these Terms and applicable laws;
• you will not misuse the Website or interfere with its operation; and
• you understand that information published on the Website may change over time.

If you are accessing the Website on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

5. Eligibility

EDUCARDX Learn is primarily intended for students, graduates, job seekers, learners, educators and other persons interested in education and career-related information.

Certain opportunities or services may have additional eligibility requirements imposed by the relevant Third-Party Provider.

Where an opportunity is restricted by:

• age;
• educational qualification;
• citizenship;
• location;
• employment status;
• income;
• academic performance;
• institution;
• gender;
• experience;
• visa status; or
• any other criterion,

the relevant provider's eligibility requirements will apply.

EDUCARDX does not determine or guarantee a user's eligibility for a third-party opportunity unless expressly stated otherwise.

6. Educational and Informational Content

EDUCARDX Learn publishes informational content intended to support learning and informed decision-making.

Content may include:

• educational explainers;
• how-to guides;
• checklists;
• comparisons;
• career roadmaps;
• financial-literacy articles;
• scholarship guides;
• study-abroad guides;
• internship guidance;
• technology guides;
• student resources;
• interviews and expert contributions;
• opportunity alerts; and
• other editorial materials.

We attempt to publish useful, accurate and reasonably current information.

However, information can change because of:

• changes in laws or regulations;
• changes in institutional policies;
• changes in eligibility criteria;
• changes in fees;
• changes in deadlines;
• changes in employment requirements;
• changes in scholarship conditions;
• changes in university policies;
• changes in technology; or
• information supplied by third parties.

Accordingly, you should verify important information with the relevant official source before acting on it.

7. No Professional Advice

Nothing on EDUCARDX Learn constitutes:

• financial advice;
• investment advice;
• legal advice;
• tax advice;
• immigration advice;
• employment advice;
• educational counselling;
• credit advice;
• lending advice;
• insurance advice; or
• any other professional advice.

Articles discussing financial products, credit, loans, interest rates, EMIs, CIBIL scores or financial planning are provided for general educational purposes.

You should obtain appropriate professional advice before making decisions that could materially affect your finances, education, employment, immigration status or legal rights.

8. EDUCARDX's Role in Financial Services

EDUCARDX PRIVATE LIMITED may operate technology and service infrastructure that facilitates interactions between users and regulated financial institutions.

Where applicable, EDUCARDX may act as a Technology Service Provider ("TSP") and/or Lending Service Provider ("LSP") in connection with regulated lending partners.

However, EDUCARDX Learn itself is an educational and informational platform.

EDUCARDX does not represent that it is itself a bank, NBFC, lender, deposit-taking institution or other regulated financial institution merely because financial information or financial-service links appear on the Website.

EDUCARDX does not:

• independently lend money through EDUCARDX Learn;
• accept deposits;
• independently approve or reject loans;
• independently determine a user's creditworthiness;
• independently determine interest rates;
• guarantee loan approval;
• guarantee loan disbursement;
• guarantee a particular credit limit;
• guarantee any particular financial outcome; or
• represent that access to EDUCARDX Learn will result in approval for any financial product.

Where a financial product is offered through a regulated partner, the relevant regulated entity's terms, policies, disclosures and regulatory obligations will apply.

RBI's digital-lending framework specifically addresses arrangements between regulated entities and LSPs, including transparency around available loan options and prevention of dark-pattern practices.

9. Loan and Credit Information

Articles relating to:

• education loans;
• personal loans;
• credit scores;
• CIBIL;
• EMIs;
• interest rates;
• repayment;
• credit cards;
• financial planning; or
• other financial products
• are educational in nature.

Examples, calculations and illustrations are not promises of actual loan terms.

Actual financial-product terms may vary based on the relevant lender, product, applicant, applicable law and other factors.

Where a user applies for a financial product through an EDUCARDX service, the applicable financial product agreement and the terms of the relevant regulated entity will govern that financial relationship.

10. Opportunity Listings

EDUCARDX Learn may publish or display Opportunities including:

• internships;
• jobs;
• scholarships;
• fellowships;
• courses;
• competitions;
• hackathons;
• research programmes;
• certifications;
• study-abroad opportunities;
• university programmes;
• events; and
• other educational or career opportunities.

Opportunity information may include:

• provider name;
• eligibility;
• location;
• deadline;
• duration;
• compensation information;
• application requirements;
• official website;
• application link;
• verification date; and
• sponsorship status.

EDUCARDX may obtain opportunity information from:

• official websites;
• public sources;
• organizations;
• employers;
• universities;
• educational institutions;
• scholarship providers;
• partners;
• submitted information; or
• other publicly or lawfully available sources.

11. Third-party Opportunities

EDUCARDX is generally not the provider of an Opportunity unless expressly stated.

When you apply for an Opportunity, you may be redirected to the website or application system of a Third-Party Provider.

EDUCARDX does not guarantee:

• selection;
• admission;
• employment;
• internship placement;
• scholarship award;
• course admission;
• certification;
• visa approval;
• funding;
• compensation;
• interview selection;
• application acceptance; or
• any other result.

The relevant Third-Party Provider is responsible for its own:

• eligibility criteria;
• application process;
• deadlines;
• selection decisions;
• contractual terms;
• privacy practices;
• fees;
• refunds;
• employment terms;
• scholarship conditions; and
• other obligations.

Users should review the official provider information before submitting an application or payment.

12. Opportunity Verification

EDUCARDX may use labels such as:

• "Verified";
• "Official Source";
• "Last Verified";
• "Sponsored";
• "Partner Opportunity"; or
• similar labels.

A "Verified" or "Last Verified" label means only that EDUCARDX performed a verification or review process at the indicated time according to its internal procedures.

It does not constitute a guarantee that:

• the Opportunity remains available;
• the provider will act as described;
• the provider is suitable for a particular user;
• the opportunity will remain open;
• the provider will select an applicant; or
• the information will remain unchanged after verification.

Users should always confirm important details directly with the official provider.

13. Scholarships

Scholarship information is provided for informational and discovery purposes.

Eligibility, award amounts, deadlines, selection criteria and application requirements are determined by the relevant scholarship provider.

EDUCARDX does not guarantee that a user will receive a scholarship or other financial assistance.

Where a scholarship provider changes or withdraws a programme, EDUCARDX may update or remove the listing when reasonably practicable.

14. Internships and Jobs

EDUCARDX Learn may display employment and internship opportunities supplied by employers, recruiters, organizations or third-party platforms.

EDUCARDX is not the employer unless expressly stated.

EDUCARDX does not guarantee:

• employment;
• internship placement;
• salary;
• stipend;
• work conditions;
• duration;
• conversion to full-time employment;
• interview;
• selection; or
• employer conduct.

Users should independently evaluate employers and opportunities before sharing information or accepting an offer.

15. Course and Educational Provider Information

EDUCARDX may publish information about:

• online courses;
• universities;
• colleges;
• training providers;
• certifications;
• bootcamps;
• educational platforms; and
• learning resources.

EDUCARDX does not guarantee:

• course quality;
• accreditation;
• employment outcomes;
• salary outcomes;
• certification acceptance;
• admission;
• course completion;
• refund availability; or
• suitability for a particular learner,

unless expressly stated in writing.

Users should independently verify accreditation, pricing, curriculum, refund terms and provider credentials.

16. Study-abroad Information

Study-abroad content is general educational information.

EDUCARDX does not guarantee:

• university admission;
• scholarship approval;
• visa approval;
• immigration approval;
• work authorization;
• accommodation;
• employment;
• permanent residency;
• travel authorization; or
• any other immigration or education outcome.

Immigration and visa requirements can change. Users should verify requirements with the relevant government authority, university or authorized professional before acting.

17. Third-party Links

The Website may contain links to third-party websites.

These may include:

• universities;
• government websites;
• employers;
• scholarship providers;
• course providers;
• lenders;
• banks;
• NBFCs;
• payment providers;
• recruitment platforms;
• technology companies;
• advertisers; and
• other external websites.

A link does not necessarily mean that EDUCARDX endorses, certifies or guarantees the third party.

EDUCARDX is not responsible for the:

• content;
• accuracy;
• availability;
• security;
• privacy practices;
• terms;
• products;
• services;
• transactions; or
• actions

of third-party websites.

You access third-party websites at your own discretion and subject to their terms and policies.

18. Advertising

EDUCARDX Learn may display advertisements through:

• Google AdSense;
• direct advertising arrangements;
• banner placements;
• sponsored listings;
• promotional campaigns;
• partner promotions; or
• other lawful advertising formats.

Advertising revenue may help support the operation and development of EDUCARDX Learn.

Advertisements should not be interpreted as an endorsement or guarantee by EDUCARDX.

EDUCARDX does not guarantee the accuracy, quality, safety or suitability of products or services advertised by third parties.

19. Sponsored Content

EDUCARDX may publish sponsored:

• articles;
• opportunities;
• listings;
• announcements;
• guides;
• promotional content; or
• campaigns.

Sponsored content will be identified through appropriate labels such as:

• "Sponsored", "Sponsored Opportunity", "Advertisement", or another clear disclosure.

Payment or sponsorship does not necessarily mean that EDUCARDX independently endorses the provider.

EDUCARDX may establish editorial and commercial review standards for sponsored material.

Sponsored content will not be represented as independent editorial content where doing so would be misleading.

20. User-generated Content

If EDUCARDX enables comments, reviews, submissions, community posts, stories, testimonials or other user-generated content ("User Content"), you remain responsible for the content you submit.

You must not submit content that:

• is unlawful;
• is fraudulent;
• is defamatory;
• infringes intellectual property rights;
• contains malware;
• impersonates another person;
• contains unauthorized personal information;
• promotes scams;
• contains abusive or threatening material;
• is sexually exploitative;
• promotes illegal activities;
• intentionally misleads users; or
• violates applicable law.

By submitting User Content, you grant EDUCARDX a non-exclusive, worldwide, royalty-free licence to host, reproduce, display, distribute, modify for formatting, and otherwise use that User Content for operating, improving and promoting the relevant services, subject to applicable law and our Privacy Policy.

EDUCARDX may remove User Content that it reasonably considers unlawful, harmful, misleading, inappropriate or inconsistent with these Terms.

21. Intellectual Property

Unless otherwise stated, the Website and its original Content are owned by or licensed to EDUCARDX PRIVATE LIMITED.

This includes, where applicable:

• EDUCARDX branding;
• logos;
• trademarks;
• page designs;
• layouts;
• graphics;
• original articles;
• illustrations;
• databases;
• software;
• source materials;
• user-interface elements;
• videos;
• educational tools; and
• other proprietary materials.

You may access and use the Content for personal, non-commercial educational purposes.

You must not, without prior written permission:

• reproduce substantial portions of the Website;
• republish articles;
• commercially exploit Content;
• sell or sublicense Content;
• create a competing database using Website Content;
• systematically scrape or copy Website Content;
• remove copyright or proprietary notices;
• impersonate EDUCARDX; or
• use EDUCARDX trademarks in a misleading manner.

Nothing in these Terms transfers ownership of intellectual property to you.

22. Limited Personal Use Licence

Subject to these Terms, EDUCARDX grants you a limited, non-exclusive, non-transferable and revocable licence to access and use the Website for lawful personal and educational purposes.

This licence automatically terminates if you materially breach these Terms.

23. Prohibited Activities

You must not use the Website to:

• violate applicable law;
• commit fraud;
• impersonate another person or organization;
• interfere with Website security;
• introduce malware or malicious code;
• attempt unauthorized access;
• scrape the Website at an unreasonable or unauthorized scale;
• use automated systems to abuse Website functionality;
• collect personal information without authorization;
• distribute spam;
• manipulate opportunity listings;
• publish fraudulent opportunities;
• misrepresent an affiliation with EDUCARDX;
• circumvent access controls;
• attempt to reverse engineer proprietary systems except where legally permitted;
• overload or disrupt the Website;
• use the Website for unlawful commercial purposes;
• exploit vulnerabilities without authorization; or
• engage in activity that could reasonably harm EDUCARDX, its users or third parties.

24. Accounts and Security

Certain features may require an account.

You are responsible for:

• maintaining the confidentiality of account credentials;
• using strong authentication credentials;
• protecting access to your device;
• providing accurate information;
• promptly reporting unauthorized access; and
• all activity performed through your account, subject to applicable law.

You must not share authentication credentials with unauthorized persons.

EDUCARDX may suspend access where it reasonably suspects:

• unauthorized access;
• fraud;
• security threats;
• misuse;
• violation of these Terms; or
• unlawful activity.

25. Website Availability

EDUCARDX seeks to maintain reliable access to the Website but does not guarantee that it will always be:

• available;
• uninterrupted;
• error-free;
• secure;
• compatible with every device;
• free from technical defects; or
• available at a particular speed.

The Website may occasionally be unavailable because of:

• maintenance;
• upgrades;
• technical failures;
• cybersecurity incidents;
• infrastructure problems;
• third-party service failures;
• internet disruptions;
• force majeure events; or
• other circumstances beyond reasonable control.

26. Content Updates and Corrections

EDUCARDX may update articles and correct information from time to time.