Terms of Service

1. Who we are

SkillNarrative is an independent platform founded and run by Yogya Budhraja, based in India. You can reach us at support@skillnarrative.in or on WhatsApp at +91 87963 63263. These are monitored for all account, payment and content questions.

2. Your account

You must be at least 13 years old to use SkillNarrative. If you are under 18, you confirm a parent or guardian is aware you use the platform and consents to these terms.

You are responsible for keeping your sign-in details secure and for activity under your account. Tell us immediately if you believe someone else has access to it. One account is for one person — accounts may not be shared, sold or transferred.

3. Your free skill

Every account gets one skill completely free, permanently, including its full roadmap, notes, cheat sheets, assignments and community group. This is not a trial and it does not expire.

The free slot locks to the first skill you enroll in. We confirm this on screen before you enroll, because the choice is permanent and the slot cannot be moved to a different skill afterwards. That rule is what keeps the free tier sustainable for everyone.

4. Paid skills

Any skill beyond your free one can be unlocked in one of two ways:

One-time unlock. A single payment gives you that skill permanently, with no recurring charge and no expiry.

Monthly plan. A smaller amount charged monthly for a fixed number of months, shown before you pay. The plan stops automatically once that number of payments is complete — it does not roll on indefinitely. You may cancel earlier at any time (see section 8).

Prices are shown in Indian Rupees (₹) on each skill before payment and include any applicable taxes. We may change prices for future purchases, but never for something you have already bought.

5. Payments

Payments are processed by Razorpay, a licensed Indian payment gateway. We never see or store your full card number, UPI PIN or bank credentials — those go directly to Razorpay. We store only a payment reference, the amount, and which skill it unlocked, so that both you and we can trace a transaction.

Every payment is listed in your history with its reference number. Quote that reference in any question about a charge.

6. SkillNarrative Wallet & Referral Rewards

The SkillNarrative Wallet is a balance tied to your account that can be used for one thing only: paying for skills on skillnarrative.in. It is not a bank account, not a prepaid card, does not earn interest, and is not insured or guaranteed by any bank or deposit-insurance scheme.

How a balance gets there:

— Referral rewards. Every account has a personal referral link (see Refer & Earn). When someone creates an account through your link and enrolls in their own free skill, ₹10 is credited to your Wallet automatically. This is not a signup bonus for the person who joins — it rewards you, the referrer, once your friend has actually started learning. The ₹10 amount, and the referral program itself, may be changed, paused or ended by us at any time; we will not reduce or remove a reward already credited to your Wallet for that.
— Deposits. You may add real money to your Wallet via Razorpay (UPI, cards and the other methods it supports), subject to the minimum and maximum amounts shown at the time.

The Wallet cannot be withdrawn, cashed out, or transferred to any other person or account — this applies to the whole balance, including money you deposited yourself. Adding money to your Wallet is a one-way action: from that point it can only be spent on a SkillNarrative skill unlock, in part or in full, at checkout. If you never spend it, it simply stays in your Wallet, available whenever you choose to use it.

We may withhold or reverse a Wallet credit — including a referral reward — obtained through fake accounts, self-referral, or any other attempt to abuse the program, and may apply reasonable limits (for example, a daily cap on how many referral rewards one account can earn) to prevent this. Your Wallet balance is shown to you only when signed in on the Refer & Earn page.

If we ever discontinue the Wallet feature entirely, we will give reasonable advance notice and a fair opportunity to spend any remaining balance before it happens. Closing your account under section 11 (Suspension) forfeits any unused Wallet balance, the same way it forfeits access to skills you have not paid for separately.

7. What your payment is for — and what it is not

You are not paying for the video lessons. The lessons on SkillNarrative are free, publicly available videos created and hosted by third parties (for example on YouTube). We do not own, host, sell or charge for those videos, and you can watch every one of them for free on the platform where its owner published it, without SkillNarrative. We simply select relevant videos and link to them.

What you pay for — whether one-time or monthly — is the material we create and the work we do around those videos:

— the structured roadmap that arranges topics into a sensible order to learn them in;
— our own written notes;
— our own cheat sheets;
— our assignments and projects;
— progress tracking across the skill;
— and access to our community groups.

In other words, your payment is for our curation and for the resources we produce ourselves — not for the third-party videos, which are and remain free. If a video we link to is later removed or made private by its owner, we replace it with an equivalent where we can; the paid resources above are unaffected either way.

To state it plainly: we do not claim that the video lectures are ours. We make no claim of ownership or authorship over any lecture or video on the platform — those belong to their respective creators. For each topic we are simply referring you to a lecture we consider the best available explanation of that topic; linking to a video is a recommendation, not a claim that we made it. We do claim ownership of the resources we create ourselves — the notes, cheat sheets, assignments, structured roadmap and the community we run — and any amount you pay is charged solely for those resources and that access, never for the lectures.

We do not promise a job, an internship, a specific salary, certification by any external body, or any particular outcome. What you achieve depends on your own work. Progress figures in your dashboard describe your activity on this platform only.

8. Cancelling a monthly plan

You can cancel at any time by emailing support@skillnarrative.in or messaging our WhatsApp number with your payment reference. Cancellation stops future charges. Access already paid for is not withdrawn — you keep the skill for the months you have paid.

9. Refunds

Refunds are covered in full in our Refund & Cancellation Policy, which forms part of these terms.

10. Acceptable use

You agree not to:

— Copy, record, re-publish, resell or redistribute the material we create — our notes, cheat sheets, assignments and roadmaps — in whole or in part, including sharing it in groups or uploading it elsewhere.
— Share your account so others can access paid resources.
— Attempt to bypass payment, access resources you have not unlocked, or probe, scan or interfere with the platform’s security.
— Use the community groups to harass others, spam or advertise.

The notes, cheat sheets, assignments, roadmaps and other material we create remain the intellectual property of Digi Improvement. Enrolling gives you a personal, non-transferable licence to use them — not ownership of them. The third-party videos we link to belong to their respective owners; nothing here gives you, or claims for us, any rights over those videos beyond watching them where their owners have published them.

11. Suspension

We may suspend or close an account that breaks section 10, attempts payment fraud, or abuses other learners. Where a closure is our decision and you have paid for access you can no longer use, we will refund the unused portion. We will always tell you why.

12. Availability

We aim to keep SkillNarrative available at all times, but cannot guarantee uninterrupted service. Maintenance, hosting problems or issues outside our control may cause temporary downtime. Extended downtime affecting a paid skill will be handled fairly — contact us and we will put it right.

13. Changes to these terms

We may update these terms as the platform develops. The “last updated” date above always reflects the current version. If a change materially affects what you have paid for, we will tell you directly rather than relying on this page alone.

14. Governing law

These terms are governed by the laws of India, and Indian courts have jurisdiction over any dispute. Before any formal step, please contact us — nearly everything is resolved with a message.

15. Contact

Questions about these terms: support@skillnarrative.in  ·  WhatsApp +91 87963 63263