Effective Date: May 24, 2026 | Last Updated: June 2, 2026 | Brand: TM SKP

1. Agreement to Terms

Welcome to TM SKP. By accessing or purchasing from our website at https://payhip.com/TmSkp, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website or purchase our products.

2. About TM SKP

TM SKP is a digital product store jointly operated by two individual creators — TM (Deepak Sheoran) and SKP (Sunita Sheoran). We sell educational and informational digital products including PDF notes, study guides, GK question banks, and other digital content.

3. Eligibility

- You must be at least 18 years of age to make purchases on this website.

- If you are under 18, you may only use this website under the supervision of a parent or legal guardian.

- By using this website, you confirm that you are legally eligible to enter into a binding contract.

4. Products & Services

- All products sold on TM SKP are digital products delivered electronically.

- Products are provided in PDF or other downloadable digital formats.

- Product descriptions are provided for informational purposes. We aim to ensure accuracy but do not guarantee that descriptions are error-free.

- We reserve the right to modify, update, or discontinue any product at any time without prior notice.

- Product prices are listed in Indian Rupees (INR) and may be subject to applicable taxes.

5. License Grant

Upon successful purchase, TM SKP grants you a non-exclusive, non-transferable, personal-use license to access and use the purchased digital product subject to the following conditions:

- The product is for your personal use only.

- You may not copy, reproduce, distribute, sell, resell, share, upload, or redistribute the product in any form.

- You may not use the product for commercial purposes without written permission from TM SKP.

- You may not claim ownership or authorship of the product.

- Printing for personal study is permitted.

6. Intellectual Property

All content available on TM SKP — including but not limited to PDF documents, text, graphics, images, product names, and brand elements — is the intellectual property of TM SKP or its respective creators.

Unauthorized reproduction, distribution, or use of our content may result in legal action under applicable Indian intellectual property laws.

7. Payment Terms

- All transactions are processed in Indian Rupees (INR) through Payhip's secure payment infrastructure.

- We accept Visa, Mastercard, Maestro, and Discover.

- Payment is due in full at the time of purchase.

- We reserve the right to change pricing at any time without prior notice. The price at the time of your purchase will be honored.

8. Digital Product Delivery

After successful payment, your product will be delivered via:

- Instant download link (available on the order confirmation page)

- Email delivery to the address provided at checkout

Download links remain valid as long as your purchase email/receipt is accessible. There is no limit on the number of times you can download your purchased product using your original purchase link.

9. Prohibited Conduct

You agree NOT to:

- Upload, share, or redistribute any TM SKP product on any platform, group, or network

- Resell or sublicense any product

- Use products for unauthorized commercial purposes

- Use the website for any unlawful purpose

- Attempt to hack, disrupt, or damage the website or its systems

- Impersonate TM SKP or its representatives

10. Disclaimer of Warranties

All products are provided "as is" without warranty of any kind, either express or implied. TM SKP does not warrant that products will meet your specific requirements, be error-free, or produce specific exam results.

11. Limitation of Liability

To the fullest extent permitted by law, TM SKP shall not be liable for any indirect, incidental, special, or consequential damages arising from:

- Use or inability to use our products

- Errors or inaccuracies in product content

- Unauthorized access to your data

- Any other matter relating to our products or services

Our total liability in any event shall not exceed the amount paid by you for the specific product in question.

12. Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.

13. Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time. Updated terms will be posted on this page. Continued use of our website after any changes constitutes your acceptance of the new terms.

14. Contact Us

For any questions regarding these Terms, please contact us:

- Email: deepaksheoran3112@gmail.com

- Email: sunitasheoranofficial@gmail.com