Success Masters Academy ("we", "us", "our", or "SMA") is an educational guidance service operated at successmastersacademy.in (the "Website"). We provide psychometric career assessment tools, premium educational guides, counselling resources, study materials, and related digital products for school students, parents, and career professionals in India.

These Terms of Service ("Terms") govern your use of our Website and all Services we offer, including but not limited to: the Career Discovery Assessment, all other psychometric and aptitude tools, premium PDF guides and workbooks, counsellor resources, study materials, institutional licences, and any future products or features we introduce (collectively, the "Services").

"User" or "You"

Any individual who accesses or uses the Website or Services, including students, parents, guardians, teachers, school administrators, career counsellors, and institutional buyers.

"Tools"

All interactive assessment, quiz, aptitude, and psychometric instruments available on the Website, including but not limited to the Career Discovery Assessment, any future stream-selection tools, subject aptitude tools, learning style assessments, and any other interactive digital instruments we publish.

"Premium Guides"

All downloadable or accessible digital documents, workbooks, study guides, counsellor manuals, preparation guides, career roadmaps, and similar educational materials sold or distributed by Success Masters Academy, whether delivered as PDF, Word document, web page, or any other format.

"Report"

Any personalised output generated as a result of completing a Tool, including on-screen results, downloadable PDF reports, and any associated interpretation documents.

"Content"

All text, questions, scoring logic, algorithms, descriptions, recommendations, action plans, educational materials, graphics, branding, and any other materials available on the Website or within the Services.

"Digital Product"

Any Tool, Premium Guide, Report, or other digital item sold or provided by Success Masters Academy through the Website, whether as a one-time purchase, bundle, or institutional licence.

The Services are intended for use by individuals who are at least 13 years of age. Students under 18 years of age should obtain the consent of a parent or legal guardian before using the Services, particularly before making any payment.

If you are a parent, guardian, teacher, school administrator, or career counsellor accessing the Services on behalf of a student, you represent that you have the authority to agree to these Terms on behalf of that student and yourself.

Registration is required to access any Tool, Premium Guide, Report, or other paid Service on this Website. By registering, you agree to provide accurate, complete, and current information and to keep that information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at igrow@successmastersacademy.in if you become aware of any unauthorised use of your account. We reserve the right to suspend or terminate accounts that contain false or misleading information or that are used in violation of these Terms.

Our Tools measure self-reported tendencies and preferences at a single point in time. Our Premium Guides provide educational frameworks and information. All outputs are intended to guide and inform, not to definitively determine, career suitability, academic potential, intellectual ability, exam readiness, or future success.

We strongly encourage all users to:

• Use results and guide content as one input among many in making academic and career decisions.
• Consult a qualified career counsellor, teacher, or education specialist before making major stream, subject, or course selections.
• Discuss results and recommendations with parents, guardians, and trusted adults.
• Independently verify all factual information — including exam details, college data, scholarship information, and career statistics — as this information may change after publication.
• Recognise that personality, aptitude, and career fit can change over time and with experience.

Paid Service: All Tools, Premium Guides, Reports, and other digital products offered by Success Masters Academy are paid services. There is no free tier unless explicitly stated on a specific product page. A registered account and completed payment are required before you may access any Tool, Premium Guide, or associated Report. All prices are listed in Indian Rupees (INR) and are inclusive of applicable taxes unless stated otherwise. Prices may vary by product and are displayed on the relevant product or checkout page before purchase.

Payment Processing: Payments are processed through third-party payment gateways including Razorpay and/or other authorised payment processors. By completing a payment, you also agree to the terms of the relevant payment processor. We do not store your card or bank account details.

No-Refund Policy: All payments made to Success Masters Academy are strictly non-refundable. Once payment is completed and access to any Tool, Premium Guide, Report, or other Digital Product is granted, no refund, credit, or exchange will be issued under any circumstances.

Exception — Technical Failure on Our End: If a verified technical failure on our infrastructure prevents you from accessing the Digital Product you paid for — for example, payment was successfully debited but access was not granted due to a server error — you must report this within 48 hours at igrow@successmastersacademy.in with your payment reference number. We will investigate and, if the failure is confirmed to be on our end, restore access or issue a service credit. This exception does not apply to user-side device or connectivity issues.

You agree to use the Services only for their intended educational purpose and in compliance with these Terms and all applicable laws. You agree not to:

• Use the Services for any commercial purpose without our express written consent, including reselling, sublicensing, or distributing any Tool, Premium Guide, Report, or other Digital Product to third parties for payment.
• Attempt to reverse-engineer, copy, modify, or reproduce any Tool, its scoring algorithm, questions, Guide content, or any proprietary Content.
• Share, distribute, or make available any purchased Premium Guide or Report to individuals who have not paid for it.
• Misrepresent your identity, your relationship to any student, or any information you provide to us.
• Use automated tools, bots, or scripts to access or interact with any Tool or Service.
• Interfere with or disrupt the operation of the Website or Services.
• Use the Services in a way that could harm minors or violate any child safety laws.
• Post, share, or transmit any unlawful, defamatory, or harmful content through any feedback or contact channels we provide.

Schools, coaching institutes, and organisations wishing to use our Tools or Guides at scale must obtain a separate written institutional licence agreement. Please contact us to discuss institutional pricing and terms.

All Content on the Website and within the Services — including but not limited to assessment questions, scoring methodologies, guide content, workbook materials, result copy, personality descriptions, career recommendations, action plans, counsellor resources, study materials, and brand materials — is the intellectual property of Success Masters Academy and is protected under applicable Indian and international copyright and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the specific Digital Product(s) you have purchased, for your personal, non-commercial educational purposes only. This licence does not include the right to reproduce, distribute, modify, create derivative works from, or commercially exploit any Content.

You may print or save a personal copy of any Report or Premium Guide you have purchased for your own personal reference. You may not distribute, sell, share, post online, or otherwise make available any Digital Product to individuals who have not purchased it.

Without limiting the above, we are not liable for:

• Any academic, career, or life decisions made in reliance on any Tool result, Report, or Guide recommendation.
• Inaccuracy of Tool results due to dishonest, hasty, or distracted responses.
• Outdated information in any Premium Guide regarding exams, colleges, scholarships, or career paths.
• Technical failures, data loss, or service interruptions.
• The conduct or advice of any third-party counsellor you may engage.
• The content, accuracy, or availability of any external website we may link to.

Our total aggregate liability to you for any claims arising from the use of the Services shall not exceed the amount you actually paid to us for the specific Digital Product giving rise to the claim, or INR 500, whichever is greater.

The Services are provided on an "as is" and "as available" basis without any warranty of any kind, whether express or implied. We do not warrant that:

• Any Tool is free from errors or that results will be accurate for every individual.
• Any Premium Guide is free from errors or that the information it contains is current at the time you access it.
• The Services will be uninterrupted, timely, secure, or error-free.
• Any Tool result will predict academic performance, career success, or personal fulfilment.
• The Website will be free from viruses or other harmful components.

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any dispute arising out of or in connection with these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in Tamil Nadu, India.

Before initiating any legal proceedings, we encourage you to contact us directly at the address below so we can attempt to resolve the matter amicably.

We may revise these Terms from time to time. When we make material changes, we will update the "Last Updated" date at the top of this document. Continued use of the Services after the revised Terms are posted constitutes your acceptance of those changes. We encourage you to review this page periodically.

If you have any questions about these Terms, please contact us:

This Privacy Policy applies to Success Masters Academy ("we", "us", "our") and covers all data collected through our Website at successmastersacademy.in, all Tools, Premium Guides, Reports, and any other Services we offer.

This policy is drafted in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and, to the extent applicable, general principles of data privacy.

2.1 Information you provide directly

• Tool responses: Your answers or inputs to any Tool (including assessments, quizzes, and aptitude instruments) on the Website. These are used solely to calculate and display your result for that Tool.
• Registration and account information: Your name, class, school name, email address, and phone number are collected at the time of mandatory account registration. This information is required to create and maintain your account and to associate your Assessment result with your profile.
• Payment information: We do not collect or store your payment card or bank details directly. Payment processing is handled by Razorpay or other authorised processors who maintain their own privacy policies.

2.2 Information collected automatically

• Session data: The Assessment uses your browser's sessionStorage to save progress locally on your device. This data is never transmitted to our servers and is automatically cleared when you close your browser.
• Analytics data (local only): The Assessment collects anonymous usage data — including which section you reached, how long you spent, and your result type — in your browser's localStorage. This data remains on your device and is used only to improve the assessment experience. It is not transmitted to us unless you explicitly use the export function.
• Server logs: Our hosting provider may automatically collect standard server log data including your IP address, browser type, pages visited, and timestamps. This is standard practice and is used for security and performance monitoring.
• Cookies: We use only essential, functional cookies necessary to operate the Website. We do not use tracking cookies or behavioural advertising cookies. We do not use Google Analytics, Facebook Pixel, or similar third-party tracking tools on the assessment page.

We use the information we collect for the following purposes:

• To deliver the Services: Processing your Tool responses to generate results and recommendations; providing access to purchased Premium Guides and Reports.
• To provide paid content: Processing payment and delivering Digital Products you have purchased.
• To communicate with you: Responding to enquiries, support requests, purchase confirmations, or feedback you send us.
• To improve our products: Using anonymised, aggregated data from Tools to refine question quality, scoring thresholds, and content recommendations over time. Guide content may be revised based on aggregated user feedback.
• For legal compliance: Maintaining records required by law and responding to lawful requests from authorities.
• For institutional reporting: If your school or coaching institute has purchased a group licence, providing the institution with aggregated, anonymised analytics (not individual results) as agreed in the contract.

We do not use your assessment responses or personal data for:

• Targeted advertising or remarketing.
• Selling your data to third parties.
• Training external AI models.
• Any purpose not described in this policy.

We do not knowingly collect personally identifiable information from children under the age of 13 without verifiable parental consent. If we become aware that we have inadvertently collected personal information from a child under 13 without parental consent, we will take prompt steps to delete that information.

Students between 13 and 18 should use any Tool and access any Premium Guide with the knowledge and, ideally, the involvement of a parent or guardian. Parents and guardians may contact us at any time to review, correct, or request deletion of their child's information.

For institutional users (schools and coaching institutes), we require that the institution obtain appropriate student and parental consent before deploying any Tool or distributing any Guide at scale.

We do not sell, rent, or trade your personal information. We share information only in the following limited circumstances:

• Payment processors: Razorpay or other payment gateways receive transaction data necessary to process your payment. They are bound by their own privacy policies and applicable laws.
• Hosting and infrastructure: Our hosting provider processes data on our behalf under a data processing agreement. They do not use your data for their own purposes.
• Legal obligations: We may disclose information if required by law, court order, or government authority, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfer: If Success Masters Academy is acquired, merged with, or its assets transferred to another entity, user data may be transferred as part of that transaction. We will notify users of any such change and your rights under this policy will continue to apply.

Tool response data generated during use of any Tool is stored in your browser's sessionStorage (cleared when you close the tab) and localStorage (anonymous analytics, stored on your device). This data is not stored on our servers beyond what is minimally necessary to deliver the Service you paid for.

Contact and payment records we hold on our servers are retained for as long as necessary to fulfil the purpose for which they were collected, or as required by applicable tax, legal, and accounting obligations (typically 7 years for financial records under Indian law).

Security measures we employ include:

• HTTPS encryption for all data transmitted between your device and our servers.
• No storage of raw assessment responses on our servers beyond what is minimally necessary.
• Access controls limiting who within our team can access any personal data.
• Regular review of our security practices.

No method of transmission over the internet is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security.

You have the following rights with respect to your personal information that we hold:

• Right to access: You may request a copy of the personal information we hold about you.
• Right to correction: You may request correction of inaccurate information.
• Right to deletion: You may request deletion of your personal information, subject to legal retention obligations.
• Right to object: You may object to certain uses of your information, including direct marketing.
• Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing.

To exercise any of these rights, please contact us at igrow@successmastersacademy.in. We will respond within 30 days. We may ask you to verify your identity before processing your request.

Our Website uses the following browser storage mechanisms:

• sessionStorage: Used to save your Assessment progress so you can complete it across pages without losing answers. Cleared automatically when you close your browser tab. Not transmitted to us.
• localStorage: Used to store anonymous usage analytics (section completion, result type, time taken) to help us improve the tool. Accessible only from your device. Cleared if you use the "Clear Data" function in the tool or clear your browser data.
• Essential cookies: Minimal cookies required for basic website functionality such as HTTPS session security. No tracking, advertising, or analytics cookies are set by default.

You may configure your browser to refuse cookies or clear them at any time. Doing so will not prevent you from taking the Assessment but may affect some website features.

Our Website may contain links to external websites such as exam board websites, college portals, or career resources. We are not responsible for the privacy practices or content of those websites. We encourage you to read the privacy policy of any website you visit.

We may update this Privacy Policy periodically. When we make material changes, we will update the "Last Updated" date. If changes are significant, we will make reasonable efforts to notify you (for example, by a notice on the Website). Continued use of the Services after the updated policy is posted constitutes your acceptance of the revised policy.

In accordance with the Information Technology Act, 2000 and its rules, the name and contact details of the Grievance Officer are provided below. Any grievances regarding the processing of your personal data may be directed to:

Copyright © 2026 Success Masters Academy. All rights reserved.

All content on this Website and within the Services — including but not limited to the following — is the exclusive intellectual property of Success Masters Academy and is protected under the Copyright Act, 1957 (India) and applicable international copyright laws and treaties:

• All Tool instruments published on the Website, including question banks, item sequences, scoring algorithms, weighting methodologies, and result calculation logic.
• All Premium Guides, workbooks, counsellor manuals, preparation guides, career roadmaps, and any other educational documents created and published by Success Masters Academy.
• All personality type descriptions, career recommendations, exam readiness frameworks, action plan content, and interpretive copy in any Tool or Guide.
• All Report templates and personalised Report outputs.
• All website design, layout, graphics, colour schemes, user interface elements, and visual branding.
• The "Success Masters Academy","iGrow Success Masters Academy", "Career Discovery", and all associated brand names, taglines, and marks.
• This legal documentation.

Subject to these Terms, you are permitted to:

• Use any Tool you have paid for and access its results for your personal, non-commercial use.
• Download, print, and retain a personal copy of any Premium Guide or Report you have purchased, for your own personal reference only.
• Share a link to the Website or individual product pages with students, parents, colleagues, or friends for informational purposes.
• Career counsellors and educators who have purchased institutional access may use Reports and Premium Guides within their professional counselling practice with individual clients, subject to the terms of their institutional licence.

• Reproducing, copying, or duplicating any Tool's questions, scoring logic, or the content of any Premium Guide, or any substantial portion of the Website Content without written permission.
• Creating a competing product — whether a tool, guide, workbook, or other educational material — that incorporates, adapts, or is substantially derived from our questions, methodology, content, or descriptions.
• Distributing, reselling, or commercially exploiting any Tool, Premium Guide, Report, or other Digital Product without a written licence agreement.
• Sharing purchased Premium Guides or Reports with individuals who have not paid for them, whether through direct file transfer, posting online, or any other means.
• Removing, obscuring, or altering any copyright notice, trademark, or other proprietary notice from any Content or Digital Product.
• Using our brand names, logos, or marks in a way that implies endorsement or affiliation without our written permission.
• Scraping, harvesting, or systematically extracting Content from the Website using automated means.

To request permission for any use not listed above, please write to igrow@successmastersacademy.in with a description of the intended use.

The Career Discovery Assessment is an original work developed by Success Masters Academy. It is not an official Myers-Briggs Type Indicator® (MBTI®) assessment and is not affiliated with, endorsed by, or connected with The Myers-Briggs Company, CPP Inc., or any official MBTI® publisher.

The personality typology framework used is independently developed, drawing on the publicly available foundational concepts of Jungian personality theory and the four-dichotomy model, which are not themselves proprietary. The specific questions, weighting methodology, Indian exam mapping, booster scoring system, A/T identity axis, acquiescence detection logic, and all textual content are original works of Success Masters Academy.

"MBTI®", "Myers-Briggs Type Indicator®", and related trademarks are the property of The Myers-Briggs Company. "NERIS®" is a registered trademark of NERIS Analytics Limited. We make no claim to these trademarks.

Specific disclaimers regarding the nature and limitations of our Tools and Guides:

• Self-report limitation: All Tools rely on self-reported responses. Results can be affected by the respondent's mood, level of self-awareness, social desirability bias, or misinterpretation of questions.
• Point-in-time measurement: Tool results reflect self-perception at the moment of completion and may change over time, especially during adolescence. Premium Guide content reflects information available at the time of publication and may become outdated as exam patterns, college information, and career landscapes evolve.
• Not a measure of ability: Psychometric Tools do not measure intelligence, academic aptitude, cognitive ability, or any fixed capacity. They measure self-reported preferences and inclinations only.
• Exam and career band limitations: Any exam readiness or career alignment indicators in our Tools reflect profile alignment, not predicted exam scores, subject knowledge, or preparation readiness.
• No guarantee of outcomes: Success Masters Academy makes no representation that using any Tool or following any recommendation in any Guide or Report will lead to any specific academic result, exam score, career outcome, admission, or personal achievement.
• Professional consultation required: Major academic decisions — including stream selection, entrance exam choices, and career planning — should be made in consultation with qualified teachers, school counsellors, and parents. Our Tools and Guides are supplementary resources, not replacements for professional guidance.
• Guide currency: Information in Premium Guides relating to specific exams, colleges, scholarships, government schemes, or career statistics is accurate at the time of publication. Users must independently verify all such information before acting on it.

While we make every effort to ensure the accuracy, currency, and quality of the Content on this Website, we make no representations or warranties of any kind, express or implied, as to:

• The accuracy, completeness, or fitness for purpose of any Tool, Premium Guide, Report, or other Digital Product for any particular individual or situation.
• The currency of information in any Premium Guide — including exam syllabi, college rankings, scholarship details, career statistics, or government policy details — which may change after publication.
• The accuracy of any third-party information referenced or linked to within any Tool, Guide, or Report.
• The continued availability of the Website or any Service.

Users are responsible for independently verifying all factual information relevant to their academic and career decisions, particularly time-sensitive information such as exam dates, eligibility criteria, and application deadlines.

If you believe that any content on our Website infringes your copyright or the copyright of a third party, please notify us promptly at igrow@successmastersacademy.in with the following information:

• A description of the copyrighted work you claim has been infringed.
• A description of where the allegedly infringing material is located on our Website.
• Your contact information (name, address, telephone, and email).
• A statement that you have a good-faith belief that the disputed use is not authorised by the copyright owner.
• A declaration under penalty of perjury that the above information is accurate and that you are the copyright owner or authorised to act on the copyright owner's behalf.

We will investigate all legitimate notices and take appropriate action in accordance with applicable law.