Payment Terms & Conditions

These Payment Terms and Conditions ("Payment Terms") govern all financial transactions between You and TAC School of Modern Learning Private Limited (operating as The Art Code / TAC) in connection with any subscription, single-event purchase, offline course enrolment, or institutional programme fee payment.

These Payment Terms must be read together with TAC's Terms and Conditions, Privacy Policy, and Refund and Cancellation Policy. In the event of any conflict between these Payment Terms and the Terms and Conditions, the Terms and Conditions shall prevail.

By completing any payment transaction with TAC, You confirm that You have read, understood, and agree to be bound by these Payment Terms.

All digital payments to TAC — including subscription fees, webinar fees, bootcamp fees, and any other platform-related charges — are processed exclusively through JODO (Jodo Financial Solutions Private Limited), operating the Jodo Flex recurring payments platform at www.jodo.in. JODO is TAC's designated and exclusive payment gateway for digital transactions.

JODO processes payments using NPCI's UPI AutoPay infrastructure and eNACH (Electronic National Automated Clearing House) mandates, both of which are Reserve Bank of India (RBI) regulated recurring payment mechanisms.

TAC does not store, process, or have access to any of the following sensitive payment credentials:

• 2.3.1Full debit card or credit card numbers;
• 2.3.2Card Verification Value (CVV) codes;
• 2.3.3Net banking usernames and passwords;
• 2.3.4UPI PINs or transaction PINs; or
• 2.3.5OTPs issued by banks or payment providers.

All such data is processed and stored exclusively by JODO in compliance with PCI-DSS Level 1 standards and applicable RBI guidelines. TAC holds no responsibility for any security incident or data breach occurring within JODO's payment infrastructure.

For any JODO-specific platform, mandate management, or payment processing queries that cannot be resolved through TAC's support channels, You may contact JODO directly at support@jodopay.com.

• 3.1.1UPI AutoPay via all UPI-enabled applications registered with NPCI, including Google Pay, PhonePe, Paytm, BHIM, and bank-native UPI apps;
• 3.1.2eNACH mandate via net banking (supported banks include SBI, HDFC, ICICI, Axis, Kotak, Yes Bank, PNB, Bank of Baroda, and all other major scheduled commercial banks);
• 3.1.3Debit cards issued by Indian banks (Visa, Mastercard, RuPay networks);
• 3.1.4Credit cards issued by Indian financial institutions and banks (Visa, Mastercard, RuPay, American Express networks); and
• 3.1.5Such other methods as JODO may make available on the TAC Platform from time to time.

Not all payment methods are available for all transaction types. JODO will display the available payment methods at the time of checkout. TAC makes no guarantee that any specific payment method will be available at all times.

All prices displayed on the TAC Platform and in TAC's marketing communications are denominated in Indian Rupees (₹).

All subscription prices and other fees are inclusive of applicable Goods and Services Tax (GST) at the prevailing rate (currently eighteen per cent (18%)) unless explicitly stated to be exclusive of GST.

TAC will automatically generate and issue a GST-compliant tax invoice to your registered email address after each successful payment transaction.

If You are a GST-registered entity seeking to claim Input Tax Credit (ITC) on TAC's subscription fees, You must update your GSTIN in your User Account under Account Settings > Tax Information before making payment. TAC will issue a B2B tax invoice reflecting your GSTIN for all eligible transactions. ITC eligibility is subject to applicable GST law and You are solely responsible for verifying your entitlement to ITC.

Any applicable TDS (Tax Deducted at Source) on subscription payments is the responsibility of the User/organisation where applicable under Indian income tax law. TAC may require You to furnish TDS certificates if deduction has been made.

Bundle Plans (3-month, 6-month, annual, and combo offers) are paid through a single upfront charge processed through JODO at the time of purchase. No recurring mandate is created for Bundle Plans.

Bundle Plan payments are non-refundable in full once the Platform access is activated upon successful payment. No pro-rated refund is available for unused months.

Where a Bundle Plan is offered at a discounted price for a limited period, TAC will specify the validity period of the offer at the time of purchase. Failure to complete the purchase before the offer expires will result in the standard price applying.

Bundle Plan prices are fixed for the purchased duration and will not be revised during the active bundle period, even if TAC's standard monthly subscription prices change.

SAT DROP Webinar (₹149 per session) and Bootcamp (₹999 per event) purchases are single, non-recurring transactions processed through JODO. No mandate is created.

Payment must be completed before the webinar or bootcamp registration is confirmed. Access to the event is contingent upon receipt of payment confirmation by TAC.

In the event that a webinar or bootcamp session is oversubscribed and You are unable to secure a seat despite completing payment, TAC will refund the full amount to your original payment instrument within five (5) Working Days.

Payment terms for TAC Suite and DM Batch offline courses are communicated at the time of enrolment through the course-specific fee schedule and admission form.

As a general policy, the full course fee is due and payable in cleared funds on or before Orientation Day. TAC will not admit a student to any classroom session until the full fee is paid. Partial payment does not grant rights to partial access.

Where an instalment arrangement is agreed in writing between TAC and a student prior to enrolment, the following terms apply:

• 8.3.1Each instalment is due on the specific date agreed and communicated in the written instalment schedule;
• 8.3.2Failure to pay any instalment within five (5) calendar days of the due date will result in suspension of the student's access to ongoing class sessions until arrears are cleared;
• 8.3.3TAC reserves the right to revoke an instalment arrangement and require full payment if two or more instalments are paid late in a single batch; and
• 8.3.4Instalment arrangements are entirely at TAC's discretion and no student has an inherent right to payment in instalments.

TAC will issue a payment receipt for all offline fee payments. It is the student's responsibility to collect and retain this receipt.

A Failed Transaction occurs when your bank or payment provider debits your account but the payment fails to reach TAC's account due to a technical error in the payment network. In this scenario, TAC has not received your funds and your subscription or registration has not been activated.

The amount held in the payment network will be returned to your account in accordance with your bank's or JODO's standard reversal timelines. TAC cannot accelerate or influence this process.

To report a suspected Failed Transaction, email support@theartcode.org with full details including the transaction date, time, amount, registered mobile number, and transaction reference number.

TAC will issue a reconciliation confirmation letter within two (2) Working Days if the transaction is confirmed as not received by TAC. You may use this letter with your bank to expedite the reversal.

If, due to a JODO system error, You are charged twice for the same subscription period within the same billing cycle (i.e., two identical charges on or around the same Billing Date), the duplicate charge will be identified through TAC's standard monthly reconciliation.

Upon identification and verification, the duplicate charge will be refunded to your original payment instrument within five (5) to seven (7) Working Days.

To report a suspected duplicate charge, email support@theartcode.org with both transaction reference numbers.

If You are auto-debited after a subscription cancellation has been confirmed in writing by TAC (i.e., after a cancellation confirmation email has been sent to You), that charge is an erroneous debit and will be refunded within five (5) to seven (7) Working Days of the error being identified and verified.

This provision applies only where the cancellation was confirmed before the relevant Billing Date. Charges that occur because cancellation was requested on or after the Billing Date are not eligible for refund.

TAC reserves the right to change subscription prices, bundle prices, or the price of any other TAC Service. In respect of active monthly subscriptions, the following procedure applies to price changes:

• 12.1.1TAC will provide not less than thirty (30) days' advance written notice of any price increase to your registered email address;
• 12.1.2The revised price will apply from the first Billing Date falling after the expiry of the notice period;
• 12.1.3If You do not accept the revised price, You must cancel your subscription before the first Billing Date on which the new price applies; and
• 12.1.4Failure to cancel before that date constitutes acceptance of the revised price.

Prices for one-time purchases (webinars, bootcamps) may change at any time for future events without advance notice. Price changes do not affect purchases already made.

If You receive any such communication, do not respond and immediately report it to support@theartcode.org with details of the communication.

TAC is not liable for any financial loss arising from your disclosure of payment credentials to any third party, including persons impersonating TAC.

Filing a chargeback or payment reversal with your bank in respect of a legitimate TAC transaction (i.e., one where payment was received by TAC and access was provided) constitutes fraud and a material breach of this Agreement. TAC reserves the right to pursue recovery of chargedback amounts, account suspension, and legal action in such cases.

Where You are required under Indian law to deduct TDS (Tax Deducted at Source) on subscription payments to TAC (applicable to certain business entities), You must notify TAC in advance and furnish the relevant TDS certificate within the statutory deadline. Non-furnishing of TDS certificates does not absolve You of liability for the gross amount.