Effective Date: July 2026

Welcome to OCI – Study Resources (“OCI”, “we”, “our”, or “us”). By accessing or using our website, mobile application, or any related services, you agree to be bound by these Terms & Conditions.

If you do not agree with these Terms, please discontinue using our services.

1. Services

OCI – Study Resources provides educational services including but not limited to:

• Study Notes
• Textbooks
• Model Question Papers
• Previous Year Question Papers
• Question & Answers
• MCQs
• Mock Tests
• Educational Projects
• PDF Viewer
• OCI AI Study Assistant
• AI Question Scanner
• Community Discussions
• Leaderboards
• Learning Games
• Premium Membership
• Future educational features and updates

All services are intended for educational purposes only.

2. User Account

Certain features require you to sign in using:

• Google Sign-In

• Email Authentication

You agree to:

• Provide accurate information.

• Keep your account secure.

• Be responsible for all activity performed through your account.

• Notify us immediately if you suspect unauthorized access.

3. Educational Resources

All study materials are provided to support learning.

Resources may include:

• Notes
• Textbooks
• Model Question Papers
• Question Banks
• Projects
• Mock Tests
• PDFs
• Practice Materials

Some resources are available free of charge.

Others require an active OCI Premium membership.

4. Premium Membership

OCI offers Premium Membership through Google Play Billing.

Premium may include:

• Completely Ad-Free Experience
• OCI AI Study Assistant
• AI Question Scanner
• Premium Notes
• Premium Question Papers
• Premium Question & Answers
• Premium MCQs
• Premium Projects
• Premium Mock Tests
• Premium Textbooks
• Future Premium Features

Premium access is granted only after successful purchase verification through Google Play.

Premium benefits remain active only while the subscription or lifetime purchase is valid.

5. Payments

All Premium purchases are processed securely through Google Play Billing.

We do not collect or store:

• Debit Card details
• Credit Card details
• UPI PINs
• Banking information

Prices are displayed in Indian Rupees (INR) unless otherwise stated.

Applicable taxes may be added by Google Play according to local regulations.

6. Refund Policy

1. All Premium purchases follow Google Play’s payment and refund policies.
2. If you believe a purchase was made in error or you are eligible for a refund, please refer to Google Play’s official refund process.
3. OCI cannot guarantee refunds outside Google’s applicable policies.

7. Advertisements

Free users may see advertisements provided through Google AdMob, including:

• Banner Ads
• Native Ads
• Interstitial Ads
• App Open Ads
• Rewarded Ads

Premium users receive an ad-free experience according to their active Premium plan.

Advertisement availability may vary by country, device, or Google policies.

8. OCI AI Study Assistant

OCI AI is provided to assist students with learning.

AI-generated responses:

• Are for educational purposes only.

• May occasionally contain inaccuracies.

• Should not replace professional academic advice.

Users are responsible for verifying important academic information.

9. AI Question Scanner

The AI Question Scanner allows users to scan printed academic questions.

Users agree:

• Not to scan copyrighted material without permission.

• Not to upload illegal or harmful content.

• To use the feature only for educational purposes.

10. Community Guidelines

Users may participate in community discussions.

You agree NOT to:

• Post abusive language.
• Harass other users.
• Share illegal material.
• Upload copyrighted content without permission.
• Share private information.
• Spam or advertise unrelated services.
• Impersonate another person.

Moderators may remove content or suspend accounts violating these rules.

11. Games & Learning Activities

• OCI includes educational games to enhance learning.
• Game scores, XP, and achievements are intended solely for educational engagement.
• No monetary rewards are associated with gameplay.

12. Streak, XP & Leaderboards

OCI includes:

• Daily Study Streak
• XP Rewards
• Leaderboards
• Achievement System

Rankings are based on activity within the app.

We reserve the right to reset, modify, or improve these systems to ensure fairness.

13. Intellectual Property

Unless otherwise stated, all content within OCI—including but not limited to:

• Application design
• Logos
• Icons
• Notes
• PDFs
• Textbooks
• Projects
• Graphics
• AI prompts
• Source code
• User interface

is owned by OCI – Study Resources or its respective contributors.

You may not:

• Copy
• Redistribute
• Sell
• Modify
• Reproduce
• Republish

without prior written permission.

14. User Responsibilities

You agree not to:

• Reverse engineer the application.
• Modify Premium protections.
• Circumvent purchase verification.
• Download protected Premium content without authorization.
• Attempt unauthorized access to servers.
• Use bots or automated tools.
• Disrupt app functionality.
• Abuse the AI features.

Violation may result in permanent account suspension.

15. Availability

While we strive for continuous availability, OCI does not guarantee:

• Uninterrupted service.

• Error-free operation.

• Continuous availability of all study resources.

Services may be updated, modified, or temporarily unavailable due to maintenance or technical issues.

16. Third-Party Services

OCI integrates trusted third-party services including:

• Google Firebase
• Google Play Billing
• Google AdMob
• Google Play Services
• Google Sign-In

Your use of these services is also subject to their respective terms and privacy policies.

17. Limitation of Liability

OCI shall not be liable for any indirect, incidental, or consequential damages arising from:

• Use of the app
• Temporary service interruptions
• Data loss
• AI-generated responses
• Advertisement availability
• Google Play service interruptions
• Premium verification delays

Use of the application is at your own risk.

18. Account Suspension

We may suspend or permanently terminate an account if we detect:

• Fraudulent Premium purchases
• Abuse of community features
• Repeated policy violations
• Illegal activities
• Attempts to bypass Premium access
• Security threats

19. Changes to These Terms

1. We may revise these Terms & Conditions periodically.
2. Updated versions will be published within the application and on our official website.
3. Continued use of OCI after updates constitutes acceptance of the revised Terms.

20. Governing Law

1. These Terms shall be governed by the laws of India.
2. Any disputes shall be subject to the exclusive jurisdiction of the competent courts in Karnataka, India.

21. Contact Us

• If you have questions, suggestions, or concerns regarding these Terms & Conditions, please contact us:

OCI – Study Resources

• Support Email: support@ourcreativeinfo.in
• Website: https://www.ourcreativeinfo.in

Last Updated: July 2026