Terms of service

Regulatory Academy is an online exam preparation platform for RBI Grade B, NABARD Grade A and other Indian regulatory examinations that share their syllabus. You can reach us at hello@regulatoryacademy.in.

• —You need an account to use the paid parts of the platform, and the details you give us should be accurate.
• —Your account is yours alone. Sharing a login is the one thing that will get an account suspended, because it is unfair to everyone who paid.
• —Keep your password to yourself. If you think someone else has it, change it and tell us.
• —You must be old enough to enter a contract in India, or have a parent or guardian agree on your behalf.

A plan gives you access to the material described on the pricing page for the period stated there. Prices are shown in Indian rupees and include any taxes that apply.

Plans are one-time payments for the period you choose. They do not renew automatically, and nothing is charged again unless you buy again. We email you before a plan ends.

Where a plan offers instalments and you choose them, each instalment is charged automatically on the schedule shown at checkout until the plan is paid in full. Nothing is charged after the last instalment.

We add and improve content over time. We may also retire material that is out of date — if something you paid for is removed, tell us and we will make it right. Current affairs in particular is retired after a few months, because it stops being exam-relevant.

From time to time we run offers, such as a lower launch price for a limited number of places. An offer applies to purchases made while it is running. When it ends, or the places run out, new purchases are at the current price — and a price change never alters a plan you have already bought.

A friend who signs up with your invite link or code gets a discount on their first plan, and you receive wallet credit once their payment succeeds. The current amounts are shown on your profile page. A friend can be referred only once, within a week of creating their account and before their first purchase, and you cannot refer yourself. Wallet credit can only be used against plans on Regulatory Academy. It has no cash value and cannot be withdrawn, transferred or exchanged. If the payment that earned it is refunded, we may remove the credit.

XP, streaks and badges are there to keep you going; they have no cash value. The weekly leaderboard shows other signed-in students your first name and last initial. If XP is gained by exploiting a bug or automating answers, we may correct it.

The questions, courses, notes, explanations and mock tests on this platform are our copyright. You may use them for your own preparation, on your own account.

What you may not do is redistribute them — no reselling, no uploading to file-sharing sites, no bulk downloading or scraping, no running the material as part of another coaching service. This is the difference between a student and a competitor, and we take it seriously.

Answers you write in descriptive tests, notes you make and questions you post remain yours. We store and process them to run the platform — to have an evaluator mark your answer, for instance — and we never sell them. Your answers stay private. The one exception is what you post in a test’s discussion: other signed-in students see it, with the name on your account, because that is what a discussion is.

We work hard to keep the platform available and the content accurate, and we fix problems quickly when you tell us about them.

What we cannot promise is an exam result. Nothing here is a guarantee that you will clear any examination — that depends on your work, and on a selection process that is not ours to control. We also do not control the examining bodies, so syllabus and exam dates on this site are our best reading of their notifications, not an official source. Always check the official notification.

Payments are handled by Razorpay. We never see or store your card details. Our cancellation and refund policy sets out when you can get your money back, and it is more generous than it is obliged to be.

We may suspend an account that shares a login, redistributes our material, or tries to break or overload the platform. If we do, we will tell you why. If you think we got it wrong, write to us — we would rather be corrected than lose someone unfairly.

If we change anything that materially affects you, we will email everyone with an account rather than quietly editing this page. The date at the top always tells you when it last changed.

These terms are governed by the laws of India, and the courts of [your city] have jurisdiction over any dispute.