Disclaimer Policy

1. Introduction

Welcome to Skill91 (“Skill91”, “we”, “our”, or “us”). This Disclaimer Policy explains the legal limitations, responsibilities, operational principles, and general conditions governing the use of the Skill91 website, assessments, educational programs, rankings, certificates, Academic Grant programs, digital wallet services, and every other feature, product, or service made available through the Skill91 platform. The purpose of this Disclaimer is to ensure that every participant clearly understands the nature of the services provided by Skill91 together with the responsibilities, limitations, and legal conditions applicable to the use of the platform.

Skill91 operates as an educational technology platform designed to facilitate online assessments, skill evaluation, educational recognition, certificates, rankings, and merit-based Academic Grant programs. Every feature provided through the platform is developed for educational, learning, assessment, training, and participant development purposes. Nothing contained on the Skill91 platform should be interpreted as creating any guarantee of employment, government recognition, university admission, scholarship, financial return, commercial opportunity, investment benefit, or any legally enforceable outcome beyond those expressly stated within the applicable Skill91 policies.

The information, educational resources, assessment materials, rankings, certificates, Academic Grant programs, announcements, and every other service published through Skill91 are provided in good faith for educational and informational purposes. While Skill91 makes reasonable efforts to maintain accuracy, transparency, fairness, and reliability, no representation or warranty is made that every service, document, announcement, or educational resource will always remain complete, uninterrupted, error-free, or suitable for every participant’s individual objectives.

Participants are encouraged to exercise independent judgment while using the Skill91 platform and should carefully review every applicable policy before relying upon any educational information, assessment result, ranking, certificate, Academic Grant announcement, or other platform service.

2. Purpose of this Disclaimer

The primary purpose of this Disclaimer Policy is to define the legal limitations applicable to the services offered by Skill91 and to establish a transparent understanding regarding the responsibilities of both Skill91 and its participants. This Disclaimer is intended to protect educational integrity, promote responsible platform usage, reduce misunderstandings, and clearly communicate the extent to which participants may reasonably rely upon information, services, educational outcomes, and platform functionality.

This Disclaimer should not be interpreted as reducing the educational quality or genuine efforts undertaken by Skill91 in administering assessments, rankings, certificates, Academic Grant programs, or other educational services. Rather, it clarifies that many aspects of online educational services depend upon participant cooperation, internet connectivity, third-party technology providers, payment infrastructure, verification procedures, legal compliance requirements, and operational circumstances that may not always remain entirely within the reasonable control of Skill91.

Accordingly, every participant acknowledges that use of the Skill91 platform involves acceptance of the operational limitations, educational scope, and legal conditions described throughout this Disclaimer Policy together with every other applicable Skill91 legal document.

3. Scope of this Disclaimer

This Disclaimer applies to every visitor, registered participant, assessment applicant, certificate holder, Academic Grant applicant, educational partner, institution, evaluator, reviewer, moderator, administrator, customer support representative, and every other person who accesses, browses, registers for, purchases, participates in, or otherwise uses any service provided through the Skill91 platform.

The provisions contained within this Disclaimer apply to the Skill91 website, participant dashboard, online assessments, rankings, certificates, Academic Grant programs, Skill91 Wallet, educational content, downloadable resources, announcements, promotional materials, communication channels, customer support services, payment facilities, mobile interfaces, APIs, integrations, future services, and every other feature introduced by Skill91 from time to time.

This Disclaimer shall continue to apply before, during, and after completion of any assessment, including registration, payment, evaluation, verification, publication of rankings, certificate issuance, Academic Grant administration, wallet services, appeals, administrative review, dispute resolution, and every subsequent interaction between the participant and Skill91 where reasonably applicable.

4. Acceptance of this Disclaimer

By accessing the Skill91 website, creating a participant account, registering for an assessment, making any payment, submitting educational work, participating in assessments, viewing rankings, receiving certificates, applying for Academic Grants, using Skill91 Wallet services, communicating with Skill91 representatives, or otherwise using any Skill91 service, every participant confirms that they have carefully read, understood, and voluntarily accepted this Disclaimer Policy together with every other applicable legal policy published within the Skill91 Legal Center.

Where a participant does not agree with any provision of this Disclaimer Policy or any related Skill91 legal document, the participant should discontinue use of the Skill91 platform and refrain from registering for assessments or using any related educational services.

Continued access to or use of the Skill91 platform following publication of any updated Disclaimer Policy shall constitute acknowledgment and acceptance of the revised Disclaimer to the fullest extent permitted under applicable law.

5. Educational Purpose of the Platform

Skill91 has been developed as an educational technology platform for learning, skill assessment, knowledge evaluation, educational recognition, and participant development. Every assessment, certificate, ranking, Academic Grant program, leaderboard, educational resource, article, announcement, and other service made available through the platform is intended exclusively for educational and informational purposes.

The educational services offered through Skill91 are designed to encourage independent learning, practical knowledge, critical thinking, creativity, analytical ability, innovation, ethical participation, and continuous self-improvement. Participation in any assessment or educational activity should be viewed as an opportunity for learning and educational development rather than as a guarantee of any specific academic, professional, financial, or commercial outcome.

Educational content published by Skill91 is intended to support participant learning and assessment preparation. Such content should not be interpreted as a substitute for formal education, professional certification, university curriculum, statutory training, government-recognized qualifications, or any educational program administered by a legally recognized academic institution unless expressly stated by Skill91.

Participants acknowledge that educational outcomes may differ from one individual to another depending upon personal preparation, subject knowledge, learning ability, practical experience, participation, assessment performance, and numerous other factors beyond the reasonable control of Skill91.

6. No Professional Advice

The information, educational materials, assessment content, articles, guidance, FAQs, support responses, webinars, tutorials, examples, educational discussions, rankings, certificates, Academic Grant information, and every other resource available through Skill91 are provided solely for general educational and informational purposes. Unless expressly stated otherwise, no information published through the Skill91 platform constitutes legal advice, financial advice, tax advice, investment advice, career counselling, employment advice, medical advice, psychological advice, regulatory advice, or any other form of licensed professional advice.

Participants should not rely exclusively upon information available through Skill91 when making important legal, financial, academic, employment, medical, taxation, regulatory, or business decisions. Where professional guidance is required, participants are encouraged to seek advice directly from appropriately qualified professionals authorized to provide advice within the relevant field.

Skill91 shall not be responsible for any decision, action, omission, investment, educational choice, employment decision, business activity, or personal action taken by any participant based solely or partially upon information obtained from the Skill91 platform.

7. Independent Decision-Making

Every participant remains solely responsible for independently evaluating the suitability, usefulness, accuracy, and relevance of the educational services provided through Skill91 for their own personal objectives. Registration for an assessment, participation in educational activities, acceptance of certificates, viewing rankings, or participation in Academic Grant programs should always be based upon the participant’s own informed judgment and independent decision-making.

Skill91 does not guarantee that participation in any educational program will satisfy the admission requirements of educational institutions, recruitment standards of employers, professional licensing requirements, scholarship eligibility, governmental recognition criteria, immigration requirements, or any other external educational or regulatory standard established by third parties.

Participants acknowledge that educational opportunities, career progression, academic performance, professional recognition, and future success depend upon numerous personal, institutional, economic, legal, and market-related factors that extend beyond the educational services provided through the Skill91 platform.

8. Participant Responsibility

Every participant is solely responsible for ensuring that the information submitted through the Skill91 platform remains accurate, complete, authentic, current, and lawful. Participants are also responsible for maintaining the confidentiality of their account credentials, protecting access to their registered devices, complying with applicable Skill91 policies, and ensuring that every assessment is completed honestly and independently.

Participants are responsible for reviewing assessment instructions, eligibility requirements, payment information, deadlines, verification procedures, certificate conditions, Academic Grant requirements, ranking methodologies, and every other applicable rule before registering for any educational activity conducted through Skill91.

Skill91 shall not be responsible for losses, delays, misunderstandings, missed opportunities, assessment ineligibility, verification failures, payment issues, certificate delays, Academic Grant processing delays, or ranking disputes arising from inaccurate participant information, failure to follow published instructions, late submissions, failure to monitor official announcements, technical issues affecting participant devices, or any other circumstance reasonably attributable to the participant.

9. Assessment Disclaimer

Skill91 develops and conducts educational assessments for the purpose of evaluating participant knowledge, practical understanding, analytical ability, creativity, technical competence, communication skills, ethical participation, and other educational outcomes relevant to the objectives of the applicable assessment. Every assessment available through the Skill91 platform is intended solely for educational evaluation and participant development and should not be interpreted as a government examination, university examination, statutory certification examination, recruitment examination, licensing examination, or any other officially recognized public examination unless expressly stated by Skill91.

Assessment structures, question formats, evaluation criteria, duration, scoring methodology, eligibility conditions, technical requirements, and educational objectives may vary between different assessments according to their respective educational purpose. Skill91 reserves the right to introduce new assessment methodologies, revise assessment structures, modify educational content, improve evaluation processes, or update assessment requirements whenever reasonably necessary to maintain educational quality, fairness, security, legal compliance, and operational efficiency.

Participation in any Skill91 assessment does not guarantee successful completion, qualification, ranking, certificate issuance, Academic Grant eligibility, educational recognition, employment opportunities, scholarships, admissions, financial benefits, or any other future outcome. Assessment performance depends upon the participant’s own preparation, knowledge, practical skills, compliance with platform policies, and successful completion of every applicable evaluation and verification procedure.

10. Assessment Results Disclaimer

Assessment results published through the Skill91 platform represent the educational outcome of the applicable evaluation process conducted according to the published assessment methodology. Every result reflects the participant’s performance only within the specific educational context of the relevant assessment and should not be interpreted as a comprehensive measurement of overall intelligence, academic capability, professional competence, personal potential, or future success.

Skill91 makes reasonable efforts to ensure the accuracy, fairness, and reliability of published assessment results through structured evaluation procedures, moderation activities, verification processes, quality assurance reviews, and administrative oversight. Nevertheless, assessment results remain subject to administrative verification, technical validation, policy compliance, fraud prevention procedures, and lawful correction where reasonably necessary.

Participants acknowledge that educational assessments involve various objective and subjective evaluation factors depending upon the nature of the assessment. Accordingly, differences in educational judgment, moderation outcomes, or quality assurance procedures do not automatically indicate error, unfairness, or inconsistency in the evaluation process.

11. Ranking Disclaimer

Rankings published through the Skill91 platform are prepared solely for educational recognition and comparative performance within the relevant assessment. Rankings are intended to recognize participant achievement based upon the applicable assessment methodology and should not be interpreted as permanent indicators of educational ability, intellectual capacity, professional competence, employability, institutional standing, social status, or future career success.

Rankings may change following moderation procedures, identity verification, administrative review, fraud investigations, policy compliance assessments, technical corrections, judicial directions, or any other lawful administrative process reasonably necessary to preserve the fairness and integrity of the Skill91 Ranking System.

Publication of a participant’s rank does not automatically create any entitlement to Academic Grants, scholarships, employment opportunities, educational admissions, financial assistance, certificates, commercial recognition, or any other benefit unless separately approved in accordance with the applicable Skill91 policies.

12. Certificate Disclaimer

Certificates issued through the Skill91 platform are intended solely as educational recognition of assessment participation, educational achievement, merit, successful completion, or other accomplishments specifically identified within the applicable assessment. Certificates should not be interpreted as government-issued qualifications, university degrees, statutory licences, regulatory approvals, employment guarantees, professional certifications, or legally recognized academic qualifications unless expressly stated by Skill91.

The educational value, recognition, or acceptance of any Skill91 certificate by employers, educational institutions, government authorities, licensing bodies, professional organizations, recruiters, commercial entities, or any other third party remains entirely within the independent discretion of those organizations. Skill91 makes no representation or warranty regarding the acceptance, recognition, or external use of any certificate issued through the platform.

Skill91 reserves the right to suspend, revise, replace, withdraw, or invalidate certificates where administrative correction, identity verification, fraud investigation, policy violations, judicial orders, technical errors, or other lawful circumstances reasonably require corrective action.

13. No Guarantee of Educational or Professional Success

Participation in Skill91 assessments, educational activities, ranking systems, certificate programs, Academic Grant initiatives, learning resources, or any other platform service should not be interpreted as creating any guarantee of educational success, examination performance, employment, business opportunities, professional advancement, scholarship awards, institutional admissions, promotions, financial gain, commercial benefit, or any other future outcome.

Educational achievement and professional success depend upon numerous independent factors including personal effort, continuous learning, practical experience, market conditions, institutional requirements, employer expectations, regulatory standards, communication abilities, technical competence, and individual circumstances that remain beyond the reasonable control of Skill91.

Participants acknowledge that Skill91 provides educational technology services intended to support learning and skill development only. Every participant remains solely responsible for their own educational progress, professional decisions, career planning, personal development, and independent use of the educational opportunities made available through the platform.

14. Academic Grant Disclaimer

Academic Grant Programs offered through Skill91 are educational assistance initiatives established solely to recognize outstanding educational performance and encourage continuous learning. Every Academic Grant is awarded on the basis of educational merit, assessment performance, successful verification, policy compliance, administrative approval, funding availability, and other eligibility requirements applicable to the relevant assessment. Academic Grants are not guaranteed benefits and should not be interpreted as scholarships, salaries, employment compensation, investment returns, prize money, lottery winnings, or any other form of automatic financial entitlement.

Participation in an assessment, payment of an assessment fee, publication of results, inclusion within a merit list, or achievement of a particular ranking does not automatically qualify any participant to receive an Academic Grant. Every Academic Grant remains subject to successful completion of all applicable verification procedures, KYC requirements, Fair Play compliance, identity confirmation, administrative review, and final approval by Skill91.

Skill91 reserves the right to modify, suspend, postpone, reduce, increase, replace, withdraw, or discontinue any Academic Grant Program where reasonably necessary due to operational requirements, legal obligations, funding availability, fraud prevention, policy violations, administrative review, or any other legitimate educational or business consideration.

15. Skill91 Wallet Disclaimer

Where Skill91 provides an internal digital wallet facility for educational purposes, the wallet is intended solely as a platform feature for managing approved educational transactions in accordance with the applicable Skill91 policies. The Skill91 Wallet does not operate as a bank account, prepaid payment instrument, savings account, investment account, deposit scheme, digital currency, financial institution, or regulated financial product unless expressly required under applicable law.

Wallet balances may represent approved educational credits, Academic Grant distributions, refunds, promotional credits, or other platform-specific values determined by Skill91. Wallet balances may remain subject to verification, administrative review, fraud prevention procedures, transaction validation, technical reconciliation, legal compliance, and other operational requirements before they become available for use.

Skill91 reserves the right to temporarily restrict, suspend, adjust, reverse, recover, or cancel wallet transactions where administrative errors, duplicate credits, fraud investigations, policy violations, payment reversals, legal obligations, or other exceptional circumstances reasonably require corrective action.

16. Payment Disclaimer

Assessment registration fees and other payments made through the Skill91 platform are processed using secure payment infrastructure provided by authorized third-party payment service providers. Although Skill91 makes reasonable efforts to facilitate secure payment processing, Skill91 does not directly operate banking infrastructure, payment networks, card processing systems, UPI infrastructure, internet banking systems, or financial settlement services.

Payment processing may occasionally be affected by banking delays, payment gateway maintenance, internet connectivity issues, regulatory requirements, technical interruptions, transaction verification procedures, card issuer decisions, banking holidays, payment network failures, or other operational circumstances beyond the reasonable control of Skill91.

Participants remain responsible for ensuring that payment information provided during transactions is accurate and that sufficient authorization exists for every transaction initiated through their chosen payment method.

17. Refund and Cancellation Disclaimer

Refunds and cancellations relating to Skill91 assessments, educational services, Academic Grant programs, wallet transactions, promotional offers, or other platform activities shall be governed exclusively by the official Skill91 Refund & Cancellation Policy. This Disclaimer should not be interpreted as creating any independent right to obtain refunds beyond those expressly provided under the applicable Refund & Cancellation Policy.

Where refunds are approved under the applicable Skill91 policies, processing timelines may depend upon verification requirements, payment gateway processing, banking procedures, technical reconciliation, financial compliance obligations, and other operational circumstances beyond the direct control of Skill91.

Skill91 shall not be responsible for delays attributable to participant banking institutions, card issuers, UPI service providers, financial intermediaries, regulatory reviews, or third-party payment infrastructure involved in processing approved refund transactions.

18. Third-Party Payment Service Disclaimer

Skill91 may integrate authorized third-party payment service providers, including payment gateways, banking institutions, UPI networks, card processors, payment aggregators, fraud prevention systems, identity verification providers, communication platforms, cloud infrastructure providers, analytics services, or other technology partners to facilitate efficient platform operations.

Such third-party services operate independently according to their own terms, privacy policies, operational procedures, and legal obligations. While Skill91 selects reputable service providers wherever reasonably practicable, Skill91 does not exercise direct operational control over their independent systems, infrastructure, processing timelines, security practices, regulatory compliance procedures, or service availability.

Participants acknowledge that use of integrated third-party services may be subject to the separate legal terms, privacy practices, operational limitations, and technical requirements established by the respective third-party provider. Skill91 shall not be responsible for losses, interruptions, delays, or service limitations arising solely from the independent operation of third-party systems beyond the reasonable control of Skill91.

19. Accuracy of Information Disclaimer

Skill91 makes reasonable efforts to ensure that the information published through the platform, including assessment details, eligibility requirements, educational resources, announcements, rankings, certificates, Academic Grant information, policies, FAQs, notices, and other published materials, is prepared carefully and reviewed before publication. However, despite reasonable administrative, technical, and editorial controls, information may occasionally contain typographical mistakes, clerical inaccuracies, formatting issues, calculation errors, outdated references, or other unintended inaccuracies.

Educational content and platform information are continuously reviewed and may be revised, updated, corrected, expanded, or removed whenever reasonably necessary. Participants are encouraged to verify important information through official Skill91 communication channels before making decisions relating to assessment registration, payments, educational planning, certificate usage, Academic Grant participation, or any other important activity.

Skill91 does not guarantee that every page of the website will always remain complete, current, uninterrupted, or entirely free from inadvertent errors. Where any genuine administrative or technical error is identified, Skill91 reserves the right to correct such information without creating any liability for losses arising from reliance upon inaccurate or outdated information to the extent permitted by applicable law.

20. Website Availability Disclaimer

Skill91 endeavors to maintain continuous availability of its website, participant dashboard, educational resources, assessment platform, certificate services, ranking system, Academic Grant portal, and every other digital service offered through the platform. However, uninterrupted access cannot always be guaranteed because online services depend upon internet infrastructure, cloud services, data centers, payment systems, communication networks, cybersecurity protections, software updates, maintenance activities, and other technological components that may occasionally experience interruptions.

The Skill91 platform may become temporarily unavailable due to scheduled maintenance, emergency maintenance, software upgrades, database optimization, security enhancements, server migration, infrastructure improvements, technical incidents, force majeure events, or other operational circumstances reasonably necessary for maintaining platform quality, reliability, and security.

Temporary interruption of website services shall not automatically create any entitlement to compensation, refund, extension, Academic Grant approval, certificate issuance, ranking modification, or any other benefit unless expressly provided under another applicable Skill91 policy.

21. Technical Errors and System Failure Disclaimer

Although Skill91 implements reasonable technical safeguards and quality assurance procedures, no online technology platform can guarantee complete immunity from technical failures, software defects, programming errors, hardware malfunctions, cybersecurity incidents, communication interruptions, database failures, browser compatibility issues, operating system limitations, or other technological events beyond reasonable operational control.

Participants acknowledge that technical issues affecting the Skill91 platform or participant devices may occasionally delay assessment access, result publication, certificate generation, wallet processing, Academic Grant administration, email notifications, verification procedures, or other educational services.

Where technical issues materially affect educational operations, Skill91 may temporarily suspend affected services, extend deadlines, repeat technical processes, implement administrative corrections, restore platform functionality, or adopt other reasonable operational measures considered necessary to protect participants and preserve educational integrity.

22. Internet and Network Connectivity Disclaimer

Successful use of the Skill91 platform requires stable internet connectivity together with compatible hardware, supported software, modern web browsers, and functional communication services. Skill91 does not control participant internet service providers, mobile networks, Wi-Fi services, local network infrastructure, browser configurations, operating systems, device performance, or any other technological environment used by participants to access the platform.

Skill91 shall not be responsible for delays, incomplete submissions, interrupted assessments, failed uploads, unsuccessful downloads, communication failures, payment interruptions, or other operational difficulties arising solely from participant internet connectivity issues, local device failures, network congestion, browser incompatibility, power outages, or similar circumstances beyond the reasonable control of Skill91.

23. Third-Party Links Disclaimer

The Skill91 platform may occasionally provide access to third-party websites, educational resources, payment providers, communication services, documentation, institutional references, or other external online services for participant convenience. Such links are provided solely for informational or operational purposes and should not be interpreted as endorsements, certifications, recommendations, partnerships, or guarantees regarding the products, services, policies, accuracy, security, or reliability of those third-party platforms.

Third-party websites operate independently of Skill91 and remain subject to their own legal terms, privacy policies, operational procedures, security practices, and regulatory obligations. Participants access such external resources entirely at their own discretion and are encouraged to review the applicable legal documents of every third-party website before using its services.

Skill91 accepts no responsibility for the availability, accuracy, legality, reliability, security, content, or business practices of independent third-party websites that are not owned or directly controlled by Skill91.

24. Service Availability and Future Modifications

Skill91 continuously develops, improves, expands, and updates its educational platform in order to enhance participant experience, educational quality, platform security, technological efficiency, operational reliability, and legal compliance. Accordingly, Skill91 reserves the right to introduce new services, discontinue existing features, redesign user interfaces, modify assessment structures, replace technologies, improve educational tools, revise operational procedures, or implement other reasonable platform improvements without prior notice where appropriate.

The introduction, modification, suspension, replacement, or discontinuation of any platform feature shall not automatically create liability or entitlement to compensation provided such changes are implemented in good faith for legitimate educational, technical, operational, security, or legal purposes.

Participants acknowledge that the Skill91 platform is a continuously evolving educational technology service, and certain features, interfaces, educational resources, or technical capabilities may change over time as part of ongoing platform development and innovation.

25. Intellectual Property Disclaimer

Unless otherwise expressly stated in writing, every element available through the Skill91 platform, including but not limited to website design, assessment structures, educational materials, learning resources, software, source code, graphics, user interface, platform architecture, databases, logos, icons, trademarks, service marks, page layouts, documents, certificates, rankings, educational methodologies, written content, downloadable resources, and all other proprietary materials, are the exclusive intellectual property of Skill91 or its respective licensors and are protected under applicable intellectual property laws.

Access to the Skill91 platform does not grant participants any ownership rights, commercial rights, intellectual property rights, license rights, or any other proprietary interest in any Skill91 content except for the limited, non-exclusive, non-transferable, and revocable permission to use the platform for its intended educational purpose in accordance with applicable Skill91 policies.

Participants shall not reproduce, copy, modify, distribute, publish, reverse engineer, scrape, sell, sublicense, commercially exploit, create derivative works from, or otherwise misuse any proprietary Skill91 content without obtaining prior written authorization from Skill91. Unauthorized use of intellectual property may result in administrative action, account suspension, legal proceedings, or any other remedy available under applicable law.

26. User-Generated Content Disclaimer

Participants may submit assessment responses, project files, assignments, portfolios, documents, feedback, suggestions, reviews, support requests, profile information, or other educational content through the Skill91 platform. Every participant remains solely responsible for ensuring that such submissions are accurate, original, lawful, respectful, and do not infringe the intellectual property, privacy, confidentiality, contractual rights, or other legal rights of any third party.

By submitting content through the Skill91 platform, participants confirm that they possess all necessary rights and permissions required to submit such content for educational evaluation. Submission of participant content does not automatically transfer ownership of the participant’s original work to Skill91. However, participants grant Skill91 a limited, non-exclusive, worldwide, royalty-free license to store, process, review, evaluate, display internally, verify, archive, and use the submitted content solely for educational administration, assessment evaluation, fraud prevention, certificate verification, dispute resolution, quality assurance, legal compliance, and other legitimate operational purposes.

Skill91 reserves the right to remove, restrict, reject, archive, or temporarily suspend any user-generated content that reasonably appears to violate applicable laws, platform policies, intellectual property rights, community standards, educational integrity, or operational security requirements.

27. Communication Disclaimer

Skill91 communicates with participants through official communication channels including the Skill91 website, participant dashboard, registered email address, registered mobile number, SMS, in-platform notifications, or other authorized communication methods. Participants remain responsible for ensuring that their registered contact information remains accurate, active, and capable of receiving official communications.

Although Skill91 makes reasonable efforts to deliver important notifications promptly, delivery of communications may occasionally be affected by internet connectivity, mobile network availability, spam filtering, device settings, email server delays, telecommunication failures, third-party messaging providers, or other circumstances beyond the reasonable control of Skill91.

Participants should regularly review their Skill91 dashboard, registered email inbox, spam folder, and official platform announcements to remain informed regarding assessment schedules, verification requests, ranking updates, certificate availability, Academic Grant notifications, policy updates, and other important educational communications.

28. Email and Notification Disclaimer

Emails, SMS messages, push notifications, automated reminders, verification messages, transaction confirmations, and other electronic communications generated by Skill91 are provided solely for participant convenience and operational efficiency. Such communications should not be interpreted as creating independent legal rights or obligations beyond those established by the applicable Skill91 policies.

Failure to receive an email, SMS, notification, or other communication due to incorrect contact information, participant device settings, full mailboxes, spam filters, internet failures, telecommunications issues, software problems, or other external factors shall not automatically invalidate assessment deadlines, payment obligations, verification requirements, certificate conditions, Academic Grant procedures, or any other published platform requirements.

Participants are solely responsible for maintaining access to their registered communication channels throughout their use of the Skill91 platform.

29. Third-Party Technology Integrations

Skill91 may integrate trusted third-party technology services to support payment processing, cloud hosting, analytics, communication delivery, cybersecurity, identity verification, document storage, content delivery, fraud prevention, customer support, performance monitoring, or other operational functions necessary for efficient platform administration.

Although Skill91 carefully selects service providers based upon operational suitability, Skill91 does not own or directly control the independent systems, infrastructure, software, security practices, maintenance schedules, regulatory obligations, or operational decisions of every third-party provider. Consequently, certain platform features may occasionally be affected by interruptions, maintenance, policy changes, technical failures, or operational limitations originating from third-party services.

Participants acknowledge that use of integrated third-party services may also be subject to the independent legal terms, privacy policies, operational requirements, and security practices established by those providers.

30. Platform Updates and Operational Improvements

Skill91 continuously improves its educational technology platform to enhance educational quality, participant experience, operational efficiency, cybersecurity, accessibility, legal compliance, and technological performance. Accordingly, Skill91 may introduce new platform features, discontinue outdated functionality, redesign interfaces, improve assessment systems, replace technical infrastructure, modify operational workflows, strengthen security measures, or implement other reasonable improvements without prior notice where appropriate.

Such improvements are intended to strengthen the reliability and effectiveness of the Skill91 platform and should not be interpreted as reducing the educational value of previously completed assessments or participant achievements. Participants acknowledge that platform functionality, visual appearance, educational tools, communication methods, and technical capabilities may reasonably evolve over time as part of continuous platform development.

Skill91 shall not be liable for temporary inconvenience arising solely from legitimate platform upgrades, scheduled maintenance, infrastructure improvements, security enhancements, software updates, or other operational improvements implemented in good faith for the benefit of participants and the long-term stability of the platform.

31. Limitation of Liability

To the maximum extent permitted under applicable law, Skill91 shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or economic loss arising from or relating to the use of the Skill91 platform, participation in assessments, publication of rankings, certificate issuance, Academic Grant administration, wallet services, payment processing, communication delays, technical interruptions, or any other educational service provided through the platform unless such liability arises directly from wilful misconduct or gross negligence attributable to Skill91.

Without limiting the generality of the foregoing, Skill91 shall not ordinarily be responsible for loss of educational opportunities, employment opportunities, scholarship expectations, business opportunities, anticipated profits, goodwill, reputation, personal expectations, commercial advantages, or any other indirect consequence arising from assessment participation, educational outcomes, platform availability, participant decisions, or third-party actions beyond the reasonable control of Skill91.

Participants acknowledge that online educational services depend upon multiple independent technological, operational, regulatory, and human factors that cannot always be controlled with absolute certainty. Accordingly, participants voluntarily accept the inherent operational limitations associated with internet-based educational platforms.

32. Participant Indemnification

Participants agree to indemnify, defend, and hold harmless Skill91, its directors, officers, employees, academic reviewers, evaluators, technology partners, consultants, representatives, licensors, affiliates, and authorized service providers from and against any claims, liabilities, demands, proceedings, damages, penalties, losses, costs, or reasonable expenses arising directly or indirectly from the participant’s violation of applicable laws, infringement of third-party rights, misuse of the Skill91 platform, breach of any Skill91 policy, fraudulent conduct, submission of false information, intellectual property infringement, unauthorized account activity, or any other unlawful or unauthorized use of Skill91 services.

This indemnification obligation shall survive suspension, termination, cancellation of participant accounts, completion of assessments, withdrawal of certificates, cancellation of Academic Grants, publication of rankings, or discontinuation of participant access to the Skill91 platform to the extent permitted under applicable law.

33. Platform Security Disclaimer

Skill91 implements reasonable administrative, organizational, and technical security measures intended to protect participant accounts, educational records, assessment data, payment information, communication systems, and platform infrastructure. However, no online technology platform can guarantee absolute protection against cybersecurity threats, unauthorized access, malware, phishing attacks, denial-of-service attacks, data interception, internet vulnerabilities, or other malicious activities.

Participants remain responsible for maintaining the confidentiality of their account credentials, using secure passwords, protecting registered devices, avoiding unauthorized account sharing, promptly reporting suspected security incidents, and following recommended security practices while accessing the Skill91 platform.

Skill91 shall not ordinarily be responsible for losses arising from participant negligence, compromised passwords, unauthorized access resulting from participant actions, infected participant devices, phishing attacks targeting participants, or other security incidents beyond the reasonable operational control of Skill91.

34. Force Majeure Disclaimer

Skill91 shall not be responsible for delays, interruptions, suspension of services, modification of assessments, postponement of educational activities, delayed publication of rankings, certificate processing delays, Academic Grant processing delays, wallet interruptions, communication failures, or any inability to perform its obligations where such circumstances arise directly or indirectly from events beyond the reasonable control of Skill91.

Force Majeure events may include natural disasters, floods, earthquakes, fires, epidemics, pandemics, public health emergencies, governmental actions, judicial orders, regulatory restrictions, civil unrest, armed conflicts, labour disputes, nationwide internet outages, payment infrastructure failures, banking disruptions, cloud service failures, cyberattacks, utility interruptions, telecommunications failures, or any other extraordinary circumstance beyond the reasonable control of Skill91.

During the existence of any Force Majeure event, Skill91 may reasonably suspend, modify, postpone, extend, or adjust educational services and administrative procedures without creating liability for resulting operational delays where such measures are necessary to protect participants, maintain legal compliance, or preserve platform stability.

35. Regulatory Compliance Disclaimer

Skill91 operates in accordance with the applicable laws and regulatory requirements governing its educational technology services. Participants acknowledge that legal obligations, governmental directions, judicial decisions, regulatory guidelines, taxation requirements, data protection obligations, payment regulations, or other legal developments may require Skill91 to modify platform operations, educational services, verification procedures, payment methods, Academic Grant administration, certificate processes, or other operational practices.

Where compliance with applicable law requires immediate operational changes, Skill91 reserves the right to implement such changes without prior notice whenever reasonably necessary to satisfy legal obligations or regulatory requirements.

36. Participant Assumption of Risk

By accessing and using the Skill91 platform, participants acknowledge that online educational services involve certain inherent operational risks including internet interruptions, technological limitations, device compatibility issues, communication delays, third-party service dependencies, human error, cybersecurity risks, evolving legal requirements, and other circumstances that cannot always be completely eliminated despite reasonable administrative and technical safeguards.

Participants voluntarily assume responsibility for these ordinary operational risks associated with internet-based educational services and agree to use the Skill91 platform responsibly, independently, and in accordance with all applicable Skill91 policies. Skill91 encourages participants to maintain secure internet access, updated software, accurate account information, and regular monitoring of official communications to reduce avoidable operational risks.

37. Privacy Disclaimer

Skill91 respects the privacy of every participant and implements reasonable administrative, organizational, and technical safeguards to protect personal information collected through the platform. However, participants acknowledge that the collection, processing, storage, transmission, and management of personal information is an essential part of providing educational assessments, certificates, rankings, Academic Grant programs, customer support, payment processing, verification services, and other platform functions.

Although Skill91 adopts appropriate security measures designed to protect participant information, no website, cloud infrastructure, communication network, database, or electronic storage system can guarantee absolute protection against unauthorized access, cyberattacks, technical failures, data interception, malware, phishing, ransomware, or other sophisticated security threats. Participants acknowledge these inherent technological limitations while using internet-based educational services.

The collection and processing of personal information shall always be governed by the official Skill91 Privacy Policy. This Disclaimer should not be interpreted as modifying or replacing the Privacy Policy, which remains the primary legal document governing the processing of participant information.

38. Data Accuracy Disclaimer

Skill91 relies upon the information submitted by participants during registration, assessment participation, payment processing, identity verification, certificate generation, Academic Grant administration, and customer support interactions. Participants remain solely responsible for ensuring that all submitted information is accurate, complete, authentic, current, and legally valid throughout their use of the Skill91 platform.

Skill91 shall not ordinarily be responsible for assessment ineligibility, certificate errors, ranking discrepancies, Academic Grant delays, verification failures, communication problems, payment complications, or other operational consequences arising directly or indirectly from inaccurate, incomplete, outdated, misleading, or unauthorized information submitted by participants.

Where incorrect participant information materially affects educational records or platform administration, Skill91 reserves the right to request updated information, suspend affected services, delay processing, or implement appropriate administrative corrections until the accuracy of the relevant records has been reasonably verified.

39. Electronic Communications Disclaimer

By creating a Skill91 account or using any Skill91 service, participants consent to receive electronic communications relating to assessments, educational activities, payment confirmations, verification requests, rankings, certificates, Academic Grant programs, policy updates, security alerts, customer support responses, and other operational matters through official electronic communication channels.

Electronic communications transmitted through registered email addresses, participant dashboards, SMS, in-platform notifications, or other authorized communication methods shall ordinarily be considered valid official communications for administrative purposes. Participants remain responsible for regularly reviewing their registered communication channels to remain informed regarding important platform updates.

Skill91 shall not ordinarily be responsible where participants fail to receive communications due to incorrect registration details, spam filtering, full email storage, inactive contact information, internet failures, device settings, mobile network interruptions, or other circumstances beyond the reasonable control of Skill91.

40. Cookies and Analytics Disclaimer

Skill91 may use cookies, session identifiers, browser storage technologies, device recognition tools, analytics platforms, security monitoring systems, and other similar technologies to improve website functionality, enhance participant experience, maintain platform security, prevent fraud, measure service performance, understand user interaction patterns, and support continuous technological improvement.

Certain platform features may not function correctly where participants disable cookies or restrict essential browser technologies required for authentication, session management, payment processing, assessment functionality, or security verification. Participants acknowledge that reasonable use of such technologies supports the secure and efficient operation of the Skill91 platform.

Additional information regarding cookies, analytics technologies, and participant privacy is provided within the Skill91 Privacy Policy and any separate Cookie Policy published by Skill91 where applicable.

41. Communication Records Disclaimer

Skill91 may maintain records of participant communications, customer support interactions, verification requests, administrative correspondence, payment enquiries, complaint handling, appeal submissions, technical support requests, educational guidance, and other communications exchanged through official Skill91 channels. Such records are maintained solely for legitimate educational administration, quality assurance, fraud prevention, dispute resolution, legal compliance, operational improvement, audit purposes, and participant support.

Participants acknowledge that communications made through official Skill91 channels may be retained, reviewed, or referenced where reasonably necessary for resolving disputes, investigating policy violations, verifying participant requests, maintaining service quality, protecting educational integrity, or complying with applicable legal obligations.

42. Record Retention Disclaimer

Skill91 may retain educational records, participant information, certificates, rankings, Academic Grant records, verification documents, payment records, communication history, technical logs, support requests, and other operational records for such period as is reasonably necessary to administer educational services, verify certificates, investigate fraud, resolve participant enquiries, satisfy legal obligations, conduct audits, protect platform security, preserve educational integrity, and support the long-term operation of the Skill91 platform.

The duration of record retention may vary depending upon applicable legal requirements, regulatory obligations, unresolved disputes, certificate verification requests, Academic Grant administration, taxation requirements, operational needs, security considerations, or other legitimate business purposes. Where continued retention is no longer reasonably necessary, Skill91 may securely archive, anonymize, permanently delete, or otherwise dispose of such records in accordance with applicable law and internal data management practices.

43. Rights Reserved by Skill91

Skill91 reserves the exclusive right to administer, interpret, improve, modify, suspend, discontinue, replace, expand, restrict, or otherwise manage every assessment, educational program, ranking system, certificate service, Academic Grant initiative, wallet feature, payment workflow, communication system, platform functionality, educational resource, and operational process made available through the Skill91 platform. These rights may be exercised whenever reasonably necessary to maintain educational quality, participant safety, technological reliability, fraud prevention, legal compliance, cybersecurity, operational efficiency, or long-term platform sustainability.

Without limiting the generality of the foregoing, Skill91 may introduce new educational services, redesign existing platform features, update assessment methodologies, revise evaluation standards, strengthen verification procedures, modify operational workflows, improve security measures, update participant interfaces, discontinue outdated technologies, or implement any other administrative improvements considered reasonably necessary for the continued development of the Skill91 educational ecosystem.

Nothing contained within this Disclaimer Policy shall be interpreted as creating any obligation upon Skill91 to continue operating any particular assessment, educational program, platform feature, technological service, Academic Grant Program, certificate format, ranking methodology, or educational resource indefinitely.

44. Policy Revisions and Future Updates

Skill91 continuously reviews its legal documentation, educational procedures, technological infrastructure, security practices, operational standards, and regulatory obligations. Accordingly, this Disclaimer Policy may be revised, amended, expanded, replaced, suspended, or updated whenever reasonably necessary to reflect changes in applicable law, educational objectives, participant feedback, technological developments, cybersecurity practices, platform improvements, regulatory requirements, or other legitimate operational considerations.

Updated versions of this Disclaimer Policy shall become effective immediately upon publication within the Skill91 Legal Center unless another effective date is expressly specified. Participants are encouraged to review the Disclaimer Policy periodically in order to remain informed regarding the legal conditions applicable to continued use of the Skill91 platform.

Continued access to or use of the Skill91 website following publication of an updated Disclaimer Policy shall constitute acknowledgment and acceptance of the revised Disclaimer to the maximum extent permitted under applicable law.

45. Relationship with Other Legal Policies

This Disclaimer Policy forms an integral part of the Skill91 Legal Center and should always be read together with the Skill91 Terms & Conditions, Privacy Policy, Assessment & Evaluation Policy, Ranking Policy, Academic Grant Policy, Fair Play Policy, KYC & Verification Policy, Refund & Cancellation Policy, and every other applicable legal document published by Skill91.

Each Skill91 legal policy addresses a separate aspect of platform administration and should therefore be interpreted together in a manner that promotes consistency, transparency, participant protection, educational integrity, and legal compliance. Where an individual assessment publishes additional rules, eligibility conditions, operational procedures, or educational guidelines, those assessment-specific provisions shall also apply together with this Disclaimer Policy.

In the event of any inconsistency between this Disclaimer Policy and another Skill91 legal document, the document specifically governing the relevant subject matter shall ordinarily prevail to the extent reasonably necessary for administration of that particular service.

46. No Waiver of Rights

Any delay, omission, or temporary decision by Skill91 not to exercise any right, remedy, power, or provision available under this Disclaimer Policy or any other applicable Skill91 legal document shall not be interpreted as a waiver of that right or as preventing Skill91 from exercising the same or any other legal right at a later time.

No waiver of any provision contained within this Disclaimer Policy shall become effective unless expressly authorized in writing by an appropriately authorized representative of Skill91. A waiver granted in one circumstance shall not automatically apply to any other participant, assessment, educational activity, or future circumstance.

47. Compliance with Applicable Laws

Skill91 endeavors to operate its educational technology platform in accordance with the applicable laws, regulations, governmental directions, judicial decisions, regulatory guidelines, taxation requirements, payment regulations, consumer protection requirements, data protection obligations, and other legal standards applicable to its operations within the Republic of India.

Participants remain individually responsible for ensuring that their use of the Skill91 platform complies with the laws applicable to their own jurisdiction. Where any participant accesses the Skill91 platform from outside India, that participant assumes responsibility for compliance with any local laws applicable to their own use of the platform, provided such laws do not conflict with mandatory provisions governing Skill91 operations.

Where compliance with applicable law requires modification of platform operations, educational services, payment procedures, verification requirements, certificate administration, Academic Grant processing, rankings, or any other operational practice, Skill91 reserves the right to implement such changes without creating liability for resulting administrative adjustments or service modifications.

48. Governing Law and Jurisdiction

This Disclaimer Policy shall be governed by, interpreted, and enforced in accordance with the applicable laws of the Republic of India. Every educational service, assessment, ranking, certificate, Academic Grant Program, Skill91 Wallet transaction, participant communication, verification procedure, payment process, and every other platform activity governed by this Disclaimer shall remain subject to the legal framework applicable within India.

Subject to applicable law, any dispute, claim, controversy, or legal proceeding arising directly or indirectly out of this Disclaimer Policy, the use of the Skill91 platform, educational services, participant activities, or any related matter shall be subject to the exclusive jurisdiction of the competent courts having jurisdiction over the registered place of business of Skill91.

Nothing contained within this Disclaimer Policy shall restrict the right of Skill91 to seek interim relief, injunctive remedies, protective orders, recovery proceedings, or any other lawful remedy before any competent court, tribunal, governmental authority, regulatory authority, or other appropriate legal forum where such action is reasonably necessary to protect its educational services, intellectual property, confidential information, technological infrastructure, participants, legal rights, or operational interests.

49. Severability

If any provision, clause, paragraph, sentence, or part of this Disclaimer Policy is determined by a court of competent jurisdiction or any other lawful authority to be invalid, unlawful, unenforceable, or otherwise ineffective under applicable law, such determination shall apply only to the affected provision and shall not affect the legality, validity, enforceability, or continued operation of the remaining provisions of this Disclaimer Policy.

The remaining provisions shall continue in full force and effect to the maximum extent permitted under applicable law. Wherever reasonably practicable, any invalid or unenforceable provision shall be interpreted, modified, or replaced in a manner that most closely reflects its original legal, educational, and operational purpose while remaining legally enforceable.

50. Entire Agreement

This Disclaimer Policy, together with the Skill91 Terms & Conditions, Privacy Policy, Assessment & Evaluation Policy, Ranking Policy, Academic Grant Policy, Fair Play Policy, Refund & Cancellation Policy, KYC & Verification Policy, and every other legal document published within the Skill91 Legal Center, constitutes the complete understanding governing the legal limitations, responsibilities, participant obligations, operational conditions, and use of Skill91 educational services.

This Disclaimer supersedes every previous explanation, promotional statement, presentation, marketing material, oral discussion, unofficial communication, social media statement, customer support conversation, or other representation relating specifically to the legal disclaimers governing Skill91 services to the extent that such information is inconsistent with the current published version of this Disclaimer Policy.

No employee, representative, educational partner, marketing communication, third-party publication, unofficial announcement, or verbal statement shall modify or override this Disclaimer Policy unless such modification has been officially published or expressly authorized in writing by Skill91.

51. Official Contact Information

Participants seeking clarification regarding this Disclaimer Policy, educational services, assessments, rankings, certificates, Academic Grant Programs, Skill91 Wallet, payment procedures, legal policies, or any other platform-related matter may contact Skill91 through its official communication channels.

Email: support@skill91.fun

Website: https://skill91.fun

To assist Skill91 in responding efficiently, participants are encouraged to include their registered email address, registered mobile number, assessment name, participant identification details where available, transaction reference number (if applicable), and a detailed explanation of their enquiry together with any relevant supporting information.

52. Final Legal Statement

Skill91 is committed to providing a transparent, secure, fair, and professionally administered educational technology platform designed to support learning, skill development, educational assessment, participant recognition, and responsible educational innovation. This Disclaimer Policy has been prepared to clearly define the legal scope, operational limitations, participant responsibilities, and reasonable expectations associated with the use of the Skill91 platform.

By accessing the Skill91 website, creating an account, registering for assessments, making payments, participating in educational activities, viewing rankings, receiving certificates, applying for Academic Grants, using Skill91 Wallet services, communicating with Skill91 representatives, or otherwise using any Skill91 service, every participant confirms that they have carefully read, understood, and voluntarily agreed to comply with this Disclaimer Policy together with every other legal policy published within the Skill91 Legal Center.

Nothing contained within this Disclaimer Policy shall be interpreted as creating any guarantee of educational success, employment, admission, scholarship, Academic Grant approval, ranking position, certificate acceptance, financial return, investment opportunity, commercial benefit, uninterrupted platform availability, or any other future outcome beyond those expressly communicated by Skill91 in accordance with its published legal policies. Where any provision of this Disclaimer Policy is determined to be invalid or unenforceable under applicable law, every remaining provision shall continue to remain valid and enforceable to the fullest extent permitted by law.

This Disclaimer Policy forms an integral part of the Skill91 Legal Center and should always be read together with the Terms & Conditions, Privacy Policy, Assessment & Evaluation Policy, Ranking Policy, Academic Grant Policy, Fair Play Policy, KYC & Verification Policy, Refund & Cancellation Policy, and every other applicable legal document published by Skill91.