Terms & Conditions

Qynko is operated by Procellence Technology, a sole proprietorship registered in West Bengal, India, whose proprietor is Mou Das Duya (GSTIN 19HKNPD4604R1ZF). In these Terms, "Qynko", "we" and "us" mean Procellence Technology, and "you" means the creator who registers and uses Qynko to sell.

By registering, accessing or using Qynko, you confirm that you are at least 18 years old, can enter into a binding contract under Indian law, and agree to these Terms together with our Privacy Policy, Cancellations & Refunds Policy and Account Deletion policy. If you do not agree, do not use Qynko.

You use Qynko to run a business. These Terms are a business-to-business agreement between you and Qynko.

• Buyer: Anyone who buys, books or joins one of your services through Qynko.
• Services: Everything you sell through Qynko, including 1:1 sessions, video courses, webinars and live events, paid communities, digital products and bundles of these.
• Storefront: Your public pages on Qynko, including your subdomain (for example, yourname.qynko.com).

Qynko gives creators the tools to build a storefront and sell knowledge-based services:

• 1:1 Sessions: Private audio or video consultations that buyers book and pay for.
• Video Courses: Pre-recorded, self-paced courses hosted on Qynko.
• Webinars & Live Events: Scheduled live sessions for a group of buyers.
• Paid Communities: Membership communities on Qynko, and communities you connect from Telegram.
• Digital Products: Files and resources that buyers download or open after purchase.
• Bundles: Several of your own services sold together as one purchase, either once for lasting access or for a period that the buyer renews by paying again. Nothing renews automatically.
• AI Features: An AI business assistant (Qynko Manager, included on every plan), AI generation of services, pages and policies, and market insights.
• Instagram Automation: Optional comment-to-DM automation for a connected Instagram Business or Creator account.
• Messaging: Email and WhatsApp messages to your buyers and contacts.

• Qynko is a technology platform and an intermediary under Section 79 of the Information Technology Act, 2000. We host your storefront and services; we do not create, select or modify the content you publish.
• You are the seller of every service you list. The contract for a service is between you and the buyer. You are responsible for delivering it as described.
• You appoint Qynko as your limited agent to collect payments from buyers on your behalf. When a buyer pays Qynko for your service, the buyer's payment obligation to you is fully discharged, even if the amount has not yet been paid out to you.
• Qynko pays out your earnings under these Terms after deducting commission, fees, refunds and any other amounts these Terms allow us to deduct.
• Qynko applies one platform refund policy to every purchase, as described in our Cancellations & Refunds Policy, and may decide refund requests that are escalated to us.

• You must be at least 18 years old. To receive payouts, you need a UPI ID or Indian bank account in your own name, and once your total earnings pass ₹5,000, a PAN and approved identity verification (KYC).
• You must give accurate, complete and current information and keep it up to date.
• You are responsible for keeping your login credentials confidential and for everything done through your account.
• You may not run more than one creator account without our prior written approval, and you may not use another person's identity, PAN or payout account.
• Your subdomain is granted on a non-exclusive, revocable basis and may be withdrawn if it infringes someone else's rights or misleads buyers.

Qynko charges a platform commission on every sale, based on your plan. The commission is deducted from your earnings; buyers pay the price you list, less any coupon you give them, and are not charged the commission on top. All amounts are in Indian Rupees (₹).

You can create coupons for your services, up to 100% off. A coupon lowers the price the buyer pays, and you bear the whole discount. The platform commission is calculated on the amount the buyer actually paid after the discount. On a recurring bundle, a coupon applies to the first payment only; renewals are charged the full price.

Plan prices and WhatsApp credit prices are exclusive of GST. GST at 18% is added at checkout when you buy or renew a paid plan or buy WhatsApp credits.

Every new account starts with a 14-day free trial. During the trial, the Free plan's commission of 8% applies to your sales.

Video storage depends on your plan. Uploads beyond your limit are blocked until you free up space or upgrade.

• Your earnings from all services appear in your Payouts dashboard, after commission.
• You can withdraw to a UPI ID or an Indian bank account held in your own name. We do not pay to third-party accounts.
• The minimum withdrawal is ₹200. A withdrawal fee is deducted from the amount you withdraw, as shown below.
• Withdrawals are processed by Qynko after review, typically within 2 working days. Banks and payment partners may take longer, and we are not responsible for their delays.
• Once your total earnings pass ₹5,000, you cannot withdraw until your identity verification (KYC) is approved. Withdrawals may be held as described under Payout Holds and Reviews.
• We may revise withdrawal fees and the minimum amount with 30 days' notice.

Qynko collects buyer payments for you, so we must know who we pay. You can sign up, build your storefront, sell and withdraw without KYC until your total earnings pass ₹5,000. After that, you need approved KYC to withdraw, including earnings made before you passed that amount. A rejected KYC blocks withdrawals whatever you have earned.

• To complete KYC, you provide your legal name as on your PAN, your PAN, an image of your PAN card, a selfie holding your PAN card, and a payout account (UPI ID or bank account) in your own name. For a bank account, you also provide an image of a cancelled cheque or a bank statement. You may also add business details such as your business name, GSTIN and a business proof document.
• If you send us a KYC document another way, such as by email, our team may upload it to your KYC record for you.
• We review KYC submissions within 2 working days. If we reject a submission, we tell you why and you can resubmit.
• We may check the name on your payout account with our payment partner and compare it with your PAN, and we may flag a PAN or payout account that is already used by another account.
• We may ask for further documents, or for a video verification call. We record a call only with your explicit consent; without it, we keep written notes of the call.
• Changing your payout account needs a one-time code sent to your registered mobile number, so we know you made the change; you can withdraw straight after. Once KYC applies to you, or while your KYC is under review, a new account must also be in your name as on your PAN: a new bank account needs an image of a cancelled cheque or a bank statement, and we check a new account before the first payout to it. If it is not in your name, we refund that withdrawal to your wallet and tell you why.
• Once KYC applies to you, it covers your whole balance, including earlier earnings. You must keep your KYC details accurate and tell us if they change.

We may hold or delay a payout, or stop withdrawals on your account, while we review it. We do this, for example, when:

• your KYC is rejected, or KYC applies to you and is pending, or a new payout account is being checked before its first payout;
• a sale is still within its refund window, or a refund, dispute or chargeback is open against your account;
• we see signs of fraud, collusion, fake purchases, misleading listings or a breach of these Terms;
• a bank, payment partner, law enforcement agency or court asks us to, or the law requires it; or
• your balance is negative.

• Every purchase is covered by Qynko's platform refund policy, set out in our Cancellations & Refunds Policy. If your own storefront policy differs, the platform policy applies. You may always refund a buyer as goodwill.
• The buyer always receives 100% of the amount they paid. Buyers are never charged for a refund.
• When a sale is refunded, your earnings from that sale are reversed and Qynko returns its commission on it to you.
• The payment processing charge on a refunded payment is not returned by the payment gateway. It is debited from your balance, except when the refund was caused by Qynko or a technical failure, in which case Qynko bears it.
• You are paid for the 1:1 sessions you hold, after the hold described under Payout Holds and Reviews. If you cancel a session or event, or do not join it, the buyer is refunded in full automatically, unless they booked it through a bundle, and you earn nothing for that booking. Other refund requests from buyers reach you as support tickets; you decide them under the platform policy, and buyers can escalate unresolved requests to Qynko.
• If you remove a course, product or community that buyers have paid for on its own, and their paid access is still running, you may have to restore their access or refund them for the access they lose. Such refunds are deducted from your balance. Removing a service from a bundle stops buyers opening, claiming, booking or joining it through that bundle; anything they already claimed, booked or joined through it is not taken back, the rest of the bundle keeps working, and no refund is due for the removed service.
• If a refund is made after you have withdrawn the money, your balance may become negative, as described under Recovery and Set-Off.

• You owe Qynko any amount we pay or bear because of your sales, including refunds, chargebacks, payment disputes, fraud losses, processing charges, fees, taxes and penalties imposed because of your services.
• We may recover these amounts from your pending or available balance, and from your future earnings, before paying you out.
• If your balance becomes negative, the negative amount is a debt you owe to Qynko. Withdrawals stay blocked until it is cleared, and your future earnings are applied to it.
• If a negative balance is not cleared within 60 days, we may restrict your account and recover the amount by any lawful means, including legal proceedings.
• These rights continue after your account is closed.

• You are responsible for your own taxes, including registering for GST where required, charging and paying GST on your services, and filing your returns.
• Qynko may deduct tax at source (TDS) under Section 194-O of the Income-tax Act, 1961 and collect tax at source (TCS) under Section 52 of the CGST Act, 2017 from your payouts where the law requires, and may recover from you any tax it has to pay on your sales.
• Once KYC applies to you, you must give us a valid PAN. Without a valid PAN on file, tax may be deducted at a higher rate as the law requires.
• Plan fees are shown excluding GST. GST at 18% is added at checkout and shown on your plan invoice.

Every listing on your storefront must be true and not misleading:

• The title, description, duration, number of lessons or sessions, content, price and delivery method must match what the buyer actually receives.
• You can edit a published course at any time, including after it has sold. Lessons you add or change reach existing buyers automatically, lessons you remove stop being available to them, and a lesson you keep as a draft stays hidden from buyers and your storefront until you publish it. A new price applies only to new buyers. Removing content does not release you from delivering what your listing promised when the buyer paid.
• You can unpublish a course, webinar, 1:1 session, product or bundle at any time, including after it has sold, unless it is included in a published bundle or in a bundle that a buyer still has access to. An unpublished or draft listing is hidden from your storefront and its direct link, including when you view your own storefront, and it can no longer be bought. Buyers who already paid keep access to what they bought. A course with enrolments, a webinar with registrations, a product that has sold and a 1:1 session that has a paid booking can be unpublished but not deleted; a webinar can still be cancelled, which refunds its attendees.
• Do not make claims about results, income or outcomes that you cannot support.
• If you offer a certificate, state who issues it. Do not claim that a certificate is accredited, official or recognised by a body unless it is, and do not suggest any affiliation with a certification body, university, government agency or brand that you do not have.
• We may ask for proof of any claim. We may edit, hide or remove a listing that we find inaccurate, and refund its buyers.

You must not sell, promote or offer through Qynko:

• investment, securities or trading advice, tips, calls or research that require registration with SEBI (for example, as an investment adviser or research analyst) unless you hold that registration and display it;
• gambling, betting, lottery or fantasy games, or tips for them;
• multi-level marketing, pyramid or chain schemes, "task" jobs, "earn money online" schemes, or anything that promises guaranteed income;
• loans, credit, debt settlement or other regulated financial products;
• medical diagnosis, treatment or cure claims, or prescription of medicines, unless you are a qualified and registered practitioner acting within the law;
• adult, sexually explicit or obscene content;
• weapons, drugs, controlled substances or other illegal goods or services;
• content that infringes anyone's copyright, trademark or other rights, including resold or pirated courses;
• certifications or qualifications that are misleading, or that claim an affiliation with a certification body you do not have; or
• anything else that is illegal in India or that we reasonably consider harmful to buyers.

You must not:

• upload or share content that is illegal, obscene, defamatory, hateful or harassing, or that violates the IT Rules, 2021;
• impersonate another person or business, or misrepresent your identity, qualifications or affiliations;
• buy your own services, or arrange purchases by people connected to you, to test payouts, inflate sales or move money;
• manipulate reviews, ratings, sales counts or enrolment figures;
• take payment from buyers outside Qynko for services found through Qynko, or otherwise avoid commission;
• use Qynko for fraud, phishing, money laundering or any illegal scheme;
• send spam, or message people who have opted out;
• use the Instagram Automation feature in breach of Meta's Platform Terms or the Instagram Community Guidelines; or
• reverse-engineer, scrape, overload or disrupt Qynko.

• When a buyer purchases from you, their name, email address, phone number and purchase details are added to your contacts on Qynko.
• You may use buyer data only to deliver your services, to support your buyers and to send them updates and marketing about your own services.
• People who download one of your free resources (lead magnets) are added to your contacts on the same terms as buyers. Contacts collected beyond your plan's contact limit are stored but locked: you cannot see or message them until your plan covers them.
• Every marketing message must let the recipient opt out, and you must stop marketing to anyone who opts out or asks you to stop.
• You must not sell buyer data, share it with third parties for their marketing, or use it for any unlawful purpose.
• For your own use of buyer data, you are responsible for complying with the Digital Personal Data Protection Act, 2023 and other applicable law. If you export buyer data outside Qynko, you are responsible for it.

• You keep ownership of all content you upload to Qynko.
• You grant Qynko a non-exclusive, royalty-free, worldwide licence to host, store, copy, display, transcode and deliver your content, only to operate Qynko, deliver your services and promote your storefront on Qynko.
• You confirm that you own your content or have the rights needed to sell it, and that it complies with Indian law.
• Qynko, its software, design and brand belong to Procellence Technology. You may not copy or use them except as these Terms allow.

• Anyone can report content on Qynko that they believe is unlawful, infringes their rights or breaches these Terms, by writing to grievance@qynko.com with a link to the content and the reason.
• Copyright owners may send a written notice under Section 52(1)(c) of the Copyright Act, 1957. We will disable access to the content as that section requires, and restore it if the complainant does not produce a court order within the period the law allows.
• We act on complaints and on orders from courts or government agencies within the timelines set by the IT Rules, 2021. We may remove or disable content, suspend a listing and hold related payouts while we act.
• If we remove your content, we tell you why, and you can respond or ask us to reconsider through the Grievance Officer.

Qynko's AI features (including Qynko Manager and AI generation of services, pages and policies) use third-party AI providers. AI output can be wrong, incomplete or unsuitable. You are responsible for reviewing anything AI generates before you publish or rely on it.

Market insights are for information only. They are not financial, business or investment advice, and results are not guaranteed.

Qynko offers an optional Instagram Automation feature that auto-replies to comments and sends direct messages from your connected Instagram Business or Creator account when commenters use keywords you define. If you use it:

• Connect only an Instagram account that you own or are authorised to manage. You are responsible for the posts, keywords and messages you configure.
• Your use must comply with Meta's Platform Terms, the Instagram Community Guidelines and all Meta and Instagram policies. Do not send spam or unsolicited, deceptive or prohibited content.
• Automated messages include an automation disclosure and a STOP opt-out. You must honour opt-outs and must not remove or work around these safeguards.
• Qynko provides the tool only. We are not liable for any action Meta takes against your account, including rate limits, restrictions, suspension or bans.
• You can disconnect Instagram at any time from Settings → Integrations → Instagram, which clears your stored access token and stops all automations.
• Instagram and the Instagram API are products of Meta Platforms, Inc. Qynko is not endorsed by, sponsored by or affiliated with Meta.

Some features rely on third-party services, such as Razorpay for payments, Telegram for communities, WhatsApp for messages, and Google Meet, Google Calendar, MeetHour and Agora for sessions. Your use of those services is also subject to their own terms. We are not responsible for outages or changes on their side.

• For security and fraud prevention, we may record the IP address, device and browser details, and time of sensitive actions on your account, including sign-in, changes to your payout account, withdrawals, KYC submissions and purchases.
• We use these records to investigate fraud, collusion and misuse, including accounts linked by the same device or network.
• We cooperate with law enforcement, regulators, banks and payment partners. We may share your account details, KYC records, transaction records and security logs with them on a lawful request or where needed to prevent fraud or protect buyers.

• You may close your account at any time, as described in our Account Deletion policy.
• We may suspend or restrict your account, remove listings or hold payouts, with or without notice, if you breach these Terms, if we suspect fraud or misuse, or if the law or a lawful order requires it. Where possible, we tell you the reason.
• When your account closes, any available balance, after holds, refunds and recoveries, is paid to your verified payout account within 30 days after all holds, refund windows and disputes on your sales have closed, provided your KYC is approved where it is required.
• Buyers' refund rights for purchases made before closure continue under our Cancellations & Refunds Policy.

Qynko is provided on an "as is" and "as available" basis. We do not guarantee earnings, uninterrupted availability, or that Qynko will meet your particular needs.

To the extent permitted by law, Qynko's total liability to you for any claim is limited to the plan fees and commission you paid to Qynko in the 3 months before the claim arose. Qynko is not liable for indirect, incidental or consequential losses, such as lost profits, lost data or loss of goodwill. This limit does not apply to our obligation to pay you the earnings we collect on your behalf, less the amounts these Terms allow us to deduct.

Nothing in these Terms limits liability that cannot be limited by law, or your obligation to pay amounts you owe to Qynko.

You will indemnify and hold harmless Qynko, Procellence Technology, its proprietor, staff and partners against any claim, loss, penalty, tax, refund, chargeback or cost (including reasonable legal fees) arising from your services, your content, your listings, your use of buyer data, your breach of these Terms, or your breach of any law or third-party right.

• These Terms are governed by the laws of India.
• Please contact support@qynko.com first; most issues can be resolved quickly.
• Any dispute between you and Qynko arising out of or relating to these Terms that is not resolved within 30 days will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat of arbitration is Kolkata, and the proceedings will be in English.
• The courts at Kolkata have exclusive jurisdiction over matters in aid of the arbitration, including appointing the arbitrator, interim relief and any challenge to the award. For any matter that is not referred to arbitration, the courts of Tamluk, West Bengal have exclusive jurisdiction.

If you have a complaint about content on Qynko, a decision we made, or how we handle your data, you can write to our Grievance Officer:

• Name: Akshoy Duya
• Designation: Founder
• Email: grievance@qynko.com
• Address: Procellence Technology, 116B Digha Road, Nandakumar, West Bengal 721632, India

• Severability: If any part of these Terms is found invalid or unenforceable, the rest stays in effect.
• Force majeure: We are not liable for delay or failure caused by events beyond our reasonable control, such as natural disasters, network or power failures, outages of payment partners or other providers, strikes, or government action.
• Assignment: You may not transfer your account or your rights under these Terms without our written consent. We may transfer our rights and obligations to a successor business with notice to you.
• Waiver: If we do not enforce a right, we have not waived it.
• Entire agreement: These Terms, together with the policies they refer to, are the entire agreement between you and Qynko about your use of Qynko.
• Survival: Terms that by their nature should continue after your account closes, including those on refunds, recovery and set-off, taxes, indemnity, liability and disputes, continue after closure.
• Notices: We send notices to the email address on your account or show them in your dashboard. You can send notices to support@qynko.com.

We may update these Terms from time to time. We will tell you about material changes by email at least 14 days before they take effect, and changes to fees at least 30 days before. The "Last updated" date at the top of this page shows the latest version. If you keep using Qynko after a change takes effect, you accept the updated Terms.

• Support: support@qynko.com
• Privacy: privacy@qynko.com
• Grievances: grievance@qynko.com
• Operator: Procellence Technology (sole proprietorship; proprietor Mou Das Duya), 116B Digha Road, Nandakumar, West Bengal 721632, India. GSTIN 19HKNPD4604R1ZF.