Subscription and Auto-Renewal Terms

Applicable Jurisdictions: India, United Arab Emirates, MENA/Gulf Region, Global

1. Overview

These Subscription and Auto-Renewal Terms ("Subscription Terms") govern the Free plan and the paid Plus plan offered on Maxemo. They supplement our Terms and Conditions and should be read together with our Refund and Cancellation Policy and our Privacy Policy.

2. Subscription Plans

2.1 Free Plan. Registration is free and does not require a payment method. On the Free plan:

• (a) Daily Session limit. You may attempt a maximum of two Sessions per day. A "Session" means any of: (i) the Daily Free Test (DFT); (ii) a session/test you create yourself; or (iii) a quiz or Question Bank you add to your Library from the Community.
• (b) Locked analytics. Some performance analytics are locked and only available to Plus subscribers.
• (c) Limited DFT history. You may view only the current day's DFT and the past two days' DFTs. Earlier DFTs are a Plus feature.
• (d) Library cap. You may keep up to three Community-sourced materials/Question Banks in your Library at any one time, and you may edit your own copy of each. To add a fourth or further item, you must either subscribe to Plus or remove an existing item from your Library.
• (e) Locked materials. Certain study materials on the platform are locked and can only be opened by Plus subscribers. A locked material is visible to you (e.g., its title) but its content cannot be opened or studied until it is unlocked.

Free features may be modified or withdrawn with reasonable notice where practicable.

2.2 Plus Plan. A Plus Subscription removes all of the Free-plan limits in Section 2.1: unlimited Sessions per day, full analytics, unlimited DFT history, no cap on Community materials/Question Banks in your Library, and full access to all locked materials for as long as your Subscription remains active.

2.3 Plans and Pricing. Pricing is shown at the point of purchase and is currently:

• 3-Month Plan — $149, billed every 3 months.
• 6-Month Plan — $269, billed every 6 months.
• 12-Month Plan — $349, billed every 12 months.

Each plan renews at the end of its term (a 3-/6-/12-month plan renews every 3/6/12 months) unless cancelled — see Section 4. For users paying in a currency other than USD, prices may be displayed in local currency at the exchange rate applied at purchase by Razorpay or, for Paddle Orders, by Paddle.

2.4 Taxes. Prices are stated exclusive of applicable taxes. Any tax that applies to your purchase is calculated and displayed at checkout, and is added to the plan price shown, before you confirm. At present, Goods and Services Tax (GST) is not charged on Plus Subscriptions purchased through Razorpay. If GST, VAT, sales tax or any other tax becomes applicable to your purchase, it will be itemised separately at checkout and added to the plan price. For Paddle Orders, Paddle, as Merchant of Record, calculates, collects and remits any tax applicable in your country, which is shown at checkout.

3. Payment

3.1 Payment Processors. Payments are processed either by Razorpay Software Private Limited (PCI DSS Level 1), for which BlackPie Technologies Private Limited is the seller (a "Razorpay Order"), or, where Paddle checkout is offered to you, through Paddle (a "Paddle Order"). By paying through Razorpay, you agree to Razorpay's Terms and Privacy Policy.

3.1A Paddle as Merchant of Record. Where Paddle checkout is offered, our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all Paddle Orders. For a Paddle Order, Paddle processes your payment, collects and remits applicable taxes, issues your receipt or invoice, and handles refunds in accordance with our Refund and Cancellation Policy and Paddle's Refund Policy. By paying through Paddle, you agree to Paddle's Buyer Terms and Privacy Notice (paddle.com/legal).

3.2 Accepted Methods. For Razorpay Orders: credit cards (Visa, Mastercard, RuPay, Amex), debit cards, UPI, net banking, mobile wallets, and other methods supported by Razorpay. For Paddle Orders: the payment methods Paddle offers in your country, shown at checkout.

3.3 Payment Data We Receive. We do not store your full card number, CVV, UPI PIN, or bank credentials. We store only: the last 4 digits (if applicable), card/method type, transaction ID, amount, date, and subscription status.

3.4 When You Are Charged. (a) New subscription — charged immediately when you subscribe; (b) Recurring renewals — charged on the billing date matching your plan term (see Section 4); (c) Billing descriptor — for Razorpay Orders, charges appear on your card or bank statement as MAXEMO, which depending on your bank and payment method may appear with a payment-gateway prefix (for example, "RAZ*MAXEMO") or alongside our legal entity name, BlackPie Technologies Private Limited; for Paddle Orders, charges appear with a Paddle descriptor (for example, "PADDLE.NET* MAXEMO"). If you do not recognise a charge, contact support@maxemo.app before disputing it with your bank.

3.5 Invoicing. For Razorpay Orders, we provide a tax invoice/receipt for each payment, sent to your registered email and available in your account. For Paddle Orders, Paddle issues the receipt or invoice for each payment and sends it to your email address.

4. Auto-Renewal

4.1 Auto-Renewal Disclosure. YOUR PLUS SUBSCRIPTION WILL AUTOMATICALLY RENEW at the end of each billing term at the then-current price for your plan, unless you cancel at least 24 hours before the end of the current term. By subscribing, you expressly consent to automatic renewal and the associated charges. You may cancel anytime; cancellation takes effect at the end of the current paid term, and no refund is provided for the remaining period, except where required by law or as set out in our Refund and Cancellation Policy (including the 14-day refund for Paddle Orders).

4.2 Pre-Debit Notification (India — RBI e-mandate). For recurring charges on Indian payment methods: (a) you will receive a pre-debit notification at least 24 hours before each recurring charge; (b) it will state the amount, debit date, and how to cancel/modify before the debit; (c) your first payment authorization requires Additional Factor of Authentication (AFA/OTP); (d) debits above the RBI per-transaction limit require a fresh AFA; and (e) you may modify or cancel the mandate via your bank/UPI app or by contacting us. International recurring charges are handled under the applicable card-network mandate rules via Razorpay or, for Paddle Orders, via Paddle.

4.3 Payment Confirmation. After each successful payment or renewal, you receive a confirmation email with the plan, amount, next billing date, and cancellation instructions.

5. Payment Failure

5.1 Grace Period. If a recurring payment fails, we will notify you and retry up to 3 additional times over 7 days; Plus access continues during this grace period. If payment still fails, the subscription is suspended and the account reverts to Free-plan access and limits.

5.2 Updating Payment Method. You can update your payment method in Account Settings → Subscription (or, for Paddle Orders, through the Paddle customer portal); we will then attempt the outstanding charge.

5.3 No Retroactive Charges. We will not charge you for periods during which your subscription was suspended for payment failure (unless you reactivate within the same billing cycle).

6. Price Changes

6.1 Right to Change. We may change subscription prices. (a) We will notify you at least 30 days before a change, by email to your registered email address and by a pop-up notification inside the app; (b) your current term is unaffected — the new price applies from your next renewal; (c) you may cancel before the next renewal if you disagree; (d) continued subscription after the change constitutes acceptance.

6.2 Additional Consent Where Required by Local Law. In some jurisdictions, local law may require your explicit opt-in before a material price increase applies to you. Where such consent is required and you decline, your subscription will continue at the existing price until the end of the current term and then will not renew.

7. Term Changes

If you switch between 3-, 6-, and 12-month Plus plans, the new term and price take effect at your next renewal date; you keep your current term's access until then, and no refund or credit is given for the difference during the current term.

8. Cancellation

8.1 How to Cancel. Anytime, via Account Settings → Subscription → Cancel Subscription, by emailing support@maxemo.app from your registered address, or, for Paddle Orders, through the Paddle customer portal (the "Manage subscription" link in your Paddle receipt email, or paddle.net). If you subscribed online, you can cancel online — no phone call or in-person step is required.

8.2 Effect of Cancellation. (a) Takes effect at the end of your current billing term; (b) you retain Plus access until the end of the current paid term, if any; (c) no further charges after cancellation takes effect; (d) the account then reverts to the Free plan and its limits; (e) account data and study progress are retained per the Privacy Policy; (f) you receive a cancellation confirmation. No refund is provided for the remaining unused period, except where required by law or as set out in our Refund and Cancellation Policy.

8.3 Cancellation of RBI E-Mandate. For Indian users, cancelling your subscription also cancels the associated recurring-payment mandate; you may also cancel it via your bank or UPI app.

9. International Payment Considerations

9.1 Currency. Pricing is set in USD. For users paying in another currency, prices may be displayed in local currency; exchange rates are set at transaction time by Razorpay or, for Paddle Orders, by Paddle, and may differ from market rates; your bank may add international transaction fees; refunds, where due, are processed in the original transaction currency.

9.2 FEMA and LRS (Indian Users). Indian users making payments for internationally priced services (if applicable) may be subject to the RBI's Liberalised Remittance Scheme (LRS) limits under FEMA.

10. Grievance Redressal

We aim to resolve your billing or subscription concerns quickly and fairly, in two steps:

1. Contact our Grievance Officer. Email Naseeb D at naseeb@maxemo.ai with details of your complaint. We will acknowledge your grievance within 24 hours and endeavor to resolve it within 15 days (or the period prescribed by applicable rules).

11. Contact Us

For subscription or billing questions: support@maxemo.app

Grievance Officer: Naseeb D — naseeb@maxemo.ai

BlackPie Technologies Private Limited, C/O Muhamed Iliyas P, Rise, Areekode, Sullamusalam, Areacode, Ernad, Malappuram – 673639, Kerala, India.