Terms & Conditions

Terms and Conditions of Access or Use

Last updated: 23rd July 2026

1. Acceptance of Terms

By accessing and using the SpeakX application, you agree to comply with these Terms and Conditions. Please read them carefully, as they govern your use of our services.

2. Protecting Our Company

These Terms and Conditions protect SpeakX from legal claims and liabilities. By using the app, you agree to indemnify and hold SpeakX harmless from any losses, damages, or legal actions arising from your use of the app.

3. Subscription, Payments, & Cancellation

Mode of Payment & AutoPay Mandates

Payments for the products available on the Site may be made in the following ways:

• Payment Options: Credit card, Debit Card, and Net Banking payment options are instant and recommended to ensure faster payment processing.
• UPI Recurring Subscription: By subscribing to SpeakX, you agree to a monthly, quarterly, or yearly fee that will be automatically charged to your linked UPI account. When you start a trial or subscribe to SpeakX, you agree to a recurring fee for your chosen plan (monthly, quarterly, or yearly). This fee is deducted automatically (autopay) from your linked UPI account at the start of each billing cycle. You give this permission (a UPI AutoPay mandate) when you start your trial or subscription, and SpeakX cannot deduct any amount without your permission.
• Third-Party/Bank Charges: Any additional charges incurred by your bank or during transactions, such as transaction or currency conversion fees, will be borne solely by you.
• Account Balance: We recommend keeping a sufficient balance in your account to ensure uninterrupted access to the SpeakX platform.

Cancelling Your Subscription

You can cancel your subscription at any time — from the Membership page in the SpeakX app, or from your UPI app. When you cancel:

• Your autopay is stopped, so you will not be charged again.
• You keep your Premium access until the end of your current billing cycle.
• Cancelling on its own is not a refund — refunds follow the rules outlined in Section 4 below.

4. Refund Policy

You can get a refund of your current subscription payment if, in your current billing cycle, you have completed 5 or fewer exercises. Exercises done during a trial are not counted.

If you have completed more than 5 exercises in your current billing cycle, the payment is not eligible for a refund.

Only your current billing cycle's payment can be refunded. Payments from earlier billing cycles are not eligible.

You can request a refund even if you have already cancelled your subscription, as long as you meet the condition above.

Note: You can see how many exercises you have completed in your current billing cycle on the home page of the SpeakX app.

4.1 Understanding Your Billing Cycle

Your billing cycle is the period covered by your current subscription payment. It begins on the day your payment is charged and runs for the length of your plan:

• Monthly plan — about one month
• Quarterly plan — about three months
• Yearly plan — about twelve months

Your exercise count is measured from the start of your current billing cycle (the day of your payment). Exercises you completed during a trial are never counted. Only your current billing cycle's payment can be refunded — payments from earlier billing cycles cannot.

4.2 Scenario Examples

Note: The amounts below are only examples to show how the policy works.

• Example 1 — Trial exercises are not counted: During free trial: 5 exercises completed. Subscription charged: ₹299 (new billing cycle). Current billing cycle: 5 exercises completed.
  • Result: ELIGIBLE — Full ₹299 refund. Only 5 exercises in current cycle count (trial exercises excluded).
• Example 2 — Low usage: Subscription charged: ₹299. Current billing cycle: 3 exercises completed.
  • Result: ELIGIBLE — 5 or fewer exercises completed.
• Example 3 — Higher usage: Subscription charged: ₹299. Current billing cycle: 8 exercises completed.
  • Result: NOT ELIGIBLE — More than 5 exercises completed.
• Example 4 — Exactly 5 exercises: Subscription charged: ₹299. Current billing cycle: Exactly 5 exercises completed.
  • Result: ELIGIBLE — 5 or fewer qualifies (6 or more does not).
• Example 5 — High trial usage does not affect eligibility: During free trial: 10 exercises completed. Subscription charged: ₹299. Current billing cycle: 2 exercises completed.
  • Result: ELIGIBLE — Only current cycle (2 exercises) counts.
• Example 6 — Payment from an earlier billing cycle: User requests refund for a payment from a previous billing cycle (earlier month).
  • Result: NOT ELIGIBLE — Only current billing cycle's payment can be refunded.
• Example 7 — Low trial use does not help high current usage: During free trial: 0 or 1 exercise. After trial, current billing cycle: 6 exercises completed.
  • Result: NOT ELIGIBLE — Current cycle has 6 exercises (more than 5).

4.3 Non-Refundable Items & Conditions

• Trial amount: The trial amount is never refundable. Only a paid subscription payment can be refunded.
• High Usage: Payments where more than 5 exercises have been completed in the current billing cycle.
• Past Billing Cycles: Payments from earlier billing cycles. Only your current billing cycle's payment can be refunded. Payments from previous billing cycles (earlier months) are not eligible.
• Duplicate Refunds: A payment that has already been refunded. A payment can be refunded only once.

4.4 Refund Processing & Timelines

• Approved refunds are sent back to the same account or card you used to pay.
• It can take up to 7 business days for the money to reach your account after the refund is approved. Actual times may vary depending on your bank.

5. Modifications to the Service and Prices

SpeakX reserves the right to modify or discontinue any part of the service or adjust prices at any time without prior notice.

We shall not be liable for any modification, suspension, or discontinuation of services.

6. User Responsibilities

You are responsible for maintaining the confidentiality of your account and all activities under it. If you suspect unauthorized access, notify us immediately. Failure to do so may result in account termination.

7. User Conduct and Prohibited Activities

You agree not to use the app or its content for any unlawful, abusive, defamatory, or harmful activities. Prohibited actions include, but are not limited to:

• Violating laws or regulations
• Infringing on intellectual property rights
• Transmitting malware or viruses
• Impersonating others
• Sharing misleading, offensive, or harmful content
• SpeakX reserves the right to suspend accounts violating these rules.

8. Intellectual Property

All content on SpeakX — including text, graphics, videos, and software — is owned by SpeakX and protected under copyright laws. Unauthorized use or distribution is prohibited and may result in legal action.

9. User Content

Users must not upload or share any material that is unlawful, offensive, or infringes upon others' rights. SpeakX reserves the right to remove such content and take appropriate action to maintain a safe environment.

10. User Eligibility

Users must be legally competent under the Indian Contract Act, 1872. Minors may use SpeakX only under guardian supervision and consent. SpeakX is not responsible for misuse by minors and may terminate subscriptions if eligibility is not met.

11. Troubleshooting and Application Slowdown

Temporary slowdowns may occur due to updates, maintenance, or external factors. SpeakX regularly improves performance for optimal user experience.

12. Accessibility Statement

SpeakX is committed to making its services accessible to all, including users with disabilities. We adhere to recognized accessibility standards and welcome feedback to improve inclusivity.

13. Warranty Disclaimer & Limitation of Liability

SpeakX services are provided "as is" and "as available", without warranties of uninterrupted or error-free operation. SpeakX is not liable for any damages or losses resulting from service interruptions or technical issues.

14. Indemnification

You agree to defend, indemnify, and hold harmless SpeakX, its affiliates, and service providers from any claims or expenses arising from your use of the app or violation of these terms.

15. Termination

SpeakX may terminate your account if you violate these terms.

16. Privacy

We respect your privacy and take measures to safeguard your data. Your personal information is used to enhance your experience and improve services. We do not share your data with third parties except as required by law or as outlined in our Privacy Policy.

17. Dispute Resolution

Any disputes will be settled through arbitration in Gurgaon, India, in accordance with the Arbitration and Conciliation Act, 1996.

18. Third-Party Links and Content

SpeakX may contain links to third-party websites or services.

We are not responsible for the accuracy, content, or actions of third-party platforms.

Please review their policies before engaging with them.

19. Governing Law

These Terms and Conditions are governed by the laws of India, without regard to conflict of law principles.

20. Feedback and Complaints

We value user feedback and strive to improve continuously. For suggestions or complaints, please contact us.

21. Waiver

Failure to enforce any term will not constitute a waiver of that right. Any waiver must be in writing and signed by SpeakX.

22. Safety

We prioritize user safety and recommend parental supervision for minors during learning sessions.

23. Support

SpeakX may suspend chat or email support temporarily without prior notice. All communications may be recorded for quality and training purposes. Please keep your messages respectful.

24. Mode of Payment

Payments for SpeakX services can be made through digital payment method(s) available at the time of purchase. Specific payment channels may vary by platform or region.

25. Changes to Terms

SpeakX may revise these Terms at any time. Updates become effective immediately for all users, unless stated otherwise.

26. Force Majeure

SpeakX is not liable for delays or failures caused by events beyond its control, such as natural disasters or government actions.

27. Contact

For any queries or concerns, please reach us at: contact@ivypods.com