stipnd
Terms of Service
These terms govern your use of the stipnd mobile app and stipnd.app, operated by Campus Uni ("stipnd", "we", "us"). By creating an account you agree to them. If you do not agree, please do not use stipnd.
1. What stipnd does
stipnd is a community for online degree students. It lets you join the Community for your university and course, post and comment, follow and chat with other students, discover university programs, complete and submit an application, pay course fees, and earn a reward for referring other applicants who enrol.
2. Eligibility and your account
- You must be at least 16 years old to use stipnd.
- You must give accurate information. Applications are submitted to real institutions, and false details can cause an application to be rejected or an admission to be withdrawn.
- Your account is personal to you. Keep access to your phone number secure — anyone who can receive your OTP can sign in.
- You are responsible for everything done through your account.
3. Documents and identity information
You confirm that every document and identifier you upload or share — including marksheets, certificates, Aadhaar, ABC/APAAR and DEB IDs — belongs to you and is genuine. Uploading someone else's documents, or forged documents, is a serious breach of these terms and we will close your account.
Where you choose to fetch documents from DigiLocker, you authorise us to retrieve only the documents you consent to in DigiLocker, and to attach them to your application.
4. Fees and payments
- Course fees are set by the university, shown to you before you pay, and collected through Razorpay. Paying through stipnd is a convenience — the fee is owed to the institution.
- Where a programme allows payment in instalments, the remaining balance stays due on the university's schedule.
- Refunds are governed by the university's own refund policy, not by us. If you need a refund, raise it with the institution; we will help with the payment records.
- We do not lend money and we do not arrange loans.
5. Referrals and rewards
- You earn a reward when someone you referred enrols and pays. Rewards accrue in proportion to what the person you referred actually pays.
- Reward amounts are shown in the app and may change for future referrals. A change never reduces an amount already credited to your wallet.
- You may not refer yourself, create additional accounts, use another person's details without their permission, or send unsolicited bulk messages, spam or misleading claims to obtain referrals.
- Do not describe stipnd as guaranteeing admission, a scholarship or a discount. Say only what is true.
- We may withhold, reverse or cancel rewards obtained through fraud, duplicate accounts, or breach of these terms, and close the account.
6. Withdrawals
You can withdraw a confirmed wallet balance to a bank account or UPI ID in your own name. Our staff verify each payout account before paying to it, and send each payout by hand, which may take a few working days. You are responsible for any tax due on what you earn.
Deleting your account forfeits any unwithdrawn balance. Withdraw first.
7. Acceptable use
You agree not to:
- Impersonate anyone, or use another person's documents or identity
- Upload unlawful, abusive or infringing content, or set an offensive display name
- Interfere with, probe or attempt to gain unauthorised access to our systems
- Scrape, resell or redistribute programme data from the app
- Use stipnd for anything unlawful
8. Communities and chat
In posts, comments, your profile and chat messages, you must not share:
- Harassment, bullying, threats or intimidation of anyone
- Hate speech, or content that attacks people for their religion, caste, race, ethnicity, gender, sexual orientation, disability or nationality
- Sexual content or nudity
- Violent or graphic content, or content that encourages self-harm
- Spam, scams, or misleading claims about programs, admissions or rewards
- Deliberately false or misleading information
- Another person's personal information, photos or documents without their permission
Reporting and blocking. Every post, comment and profile has a Report option, and you can block any user. Once you block someone, neither of you can see the other's posts and comments, message the other, or follow the other.
Moderation. Our staff review reports and act on them within 24 hours. We remove content that breaks these terms, and we suspend or close the accounts of users who post it. We may also remove content or restrict an account without a report, and without notice, where we believe it breaks these terms.
You are responsible for what you post and send. Other users' content is theirs, not ours, and we do not endorse it.
9. Your content
You keep ownership of everything you upload. You grant us permission to store and process it, to show your posts, comments and profile to other stipnd users, and to send your application to the institutions you apply to, for the purpose of running the service. See our Privacy Policy for the detail.
10. Availability
We work to keep stipnd available, but we do not promise uninterrupted service. Features may change, and we may suspend or discontinue parts of the service. We will give notice where we reasonably can.
11. Ending your account
You can delete your account at any time — see stipnd.app/account-deletion. We may suspend or close an account that breaches these terms, or where we are required to by law.
12. Liability
Nothing in these terms limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by negligence. Subject to that, we are not liable for admission decisions, university refund policies, or indirect or consequential loss, and our total liability to you is limited to the amount of stipnd service fees you have paid us in the twelve months before the claim.
13. Changes
We may update these terms. We will change the date at the top of this page and, for material changes, notify you in the app. Continuing to use stipnd after a change means you accept the updated terms.
14. Governing law
These terms are governed by the laws of India, and the courts of India have jurisdiction over any dispute.