1. Introduction
These Service Terms (“Terms,” “Terms of Service,” or “Agreement”) govern your access to and use of all services offered by Biginius.com (“Biginius,” “we,” “our,” or “us”), an integrated educational support platform headquartered in Bhubaneswar, Odisha, India. Biginius provides multiple interconnected services aimed at assisting students in their educational and career journeys, including Scholarship Acquisition, College Admission Assistance, Educational Loan Facilitation, Mess and Hostel Arrangements, and Placement Assistance. By accessing, browsing, registering for, or otherwise using our services, whether through our website, mobile applications, offline offices, or authorized representatives, you acknowledge that you have read, understood, and agreed to be bound by these Terms. These Terms, together with our Privacy Policy and any other policies referenced herein, constitute a binding legal agreement between you (“you,” “your,” or “user”) and Biginius.com. If you do not agree to these Terms in whole or in part, you must immediately discontinue use of our services. We reserve the sole and absolute right to update, amend, or revise these Terms at any time, and such updates shall become effective upon their posting on our website unless otherwise required by applicable law. Your continued use of our services after any such changes signifies your acceptance of the revised Terms.

2. Scope of Services
Biginius.com provides an ecosystem of educational support solutions that are tailored to meet the academic, financial, and career aspirations of students. Our Scholarship Acquisition service assists in identifying suitable scholarships, preparing accurate applications, and following up with scholarship providers to increase the probability of approval. College Admission Assistance is designed to reduce the complexity of applying to educational institutions by offering counseling sessions, documentation assistance, application form filling, and submission support. Our Educational Loan Facilitation service helps students obtain education loans from banks and financial institutions by preparing application documents, advising on loan eligibility criteria, and coordinating with lenders until the loan process is completed. Mess and Hostel Arrangements focus on helping students secure safe, hygienic, and affordable accommodation along with dining facilities, including assistance with lease agreements and hostel allocation procedures. Placement Assistance includes resume building, mock interviews, career counseling, networking opportunities, and connecting students to potential employers. While we make every effort to deliver these services with accuracy, efficiency, and professionalism, the ultimate outcome depends on various external factors beyond our control, such as institutional admission criteria, scholarship funding availability, lender approval policies, or employer hiring decisions. Therefore, Biginius does not guarantee specific results unless expressly stated in a separate, written, and signed agreement.

3. User Eligibility
To use our services, you must satisfy the eligibility criteria established by Biginius.com and applicable laws. You must be at least 16 years of age to register independently; individuals under this age must have explicit consent from a parent or legal guardian. By using our services, you confirm that you possess the legal capacity to enter into this Agreement and that all details provided during registration are truthful, accurate, and complete to the best of your knowledge. Certain services have additional eligibility requirements: for instance, scholarship applications may require you to meet specific academic or financial criteria, while educational loans may require you to satisfy the lending institution’s credit assessment guidelines. Biginius reserves the right to verify all information provided and to suspend or terminate access to services if any false, misleading, or incomplete information is discovered.

4. Account Registration and Security
To access certain features of our services, you may be required to create an account with Biginius.com. During the registration process, you will provide personal and contact details, create login credentials, and agree to abide by our Terms and Privacy Policy. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities carried out through your account. If you suspect unauthorized access to your account, you must notify us immediately via our official support channels. Biginius is not responsible for any losses or damages resulting from unauthorized access caused by your failure to maintain adequate security of your account credentials. We may suspend, deactivate, or delete accounts found to be in violation of these Terms, engaged in fraudulent activities, or inactive for an extended period as determined at our discretion.

5. Scholarship Acquisition Terms
The Scholarship Acquisition service is intended to help you identify and apply for scholarships for which you may be eligible. We assist in the preparation of applications, gathering necessary documentation, and submitting forms to relevant institutions. While we strive to maximize your chances of success, final approval or rejection of any scholarship application rests solely with the granting body, and Biginius has no authority to influence such decisions. You are responsible for providing accurate, complete, and truthful information for each application. Any falsification or misrepresentation may result in disqualification from the scholarship and termination of our services. Fees for this service, if applicable, are payable in advance and are non-refundable except as outlined in our Refund Policy.

6. College Admission Assistance Terms
Our College Admission Assistance service aims to streamline your admission process by providing expert guidance, documentation support, and application submission services. We help you shortlist institutions, understand admission criteria, and prepare necessary forms. However, we do not guarantee admission to any institution, as final decisions are made exclusively by the respective colleges or universities. You are solely responsible for ensuring that the information and documents submitted through our platform are accurate and current. Any fees charged for this service are detailed at the time of registration and are subject to our Refund and Cancellation Policy.

7. Educational Loan Facilitation Terms
The Educational Loan Facilitation service connects students with banks and financial institutions to secure funding for their education. Our role is to assist you in preparing documentation, understanding loan terms, and submitting applications. Approval, sanction amount, interest rate, and repayment terms are determined solely by the lending institution and are subject to their internal policies and due diligence processes. Biginius does not provide lending services directly and is not responsible for any decisions made by lenders. You are responsible for repaying any loan obtained through our facilitation in accordance with the loan agreement executed with the lender.

8. Mess and Hostel Arrangement Terms
The Mess and Hostel Arrangement service provided by Biginius.com is designed to assist students in finding safe, comfortable, and affordable accommodation along with appropriate meal facilities during their academic tenure. We maintain a network of verified hostels, paying guest accommodations, and mess service providers, and we facilitate your booking based on your budget, location preference, and specific requirements such as dietary needs, room-sharing preferences, and proximity to your educational institution. While we take reasonable steps to verify the safety and quality of accommodations, the ultimate responsibility for the condition, maintenance, and daily management of the facility lies with the hostel or mess provider. Our role is strictly that of a facilitator, and we cannot guarantee uninterrupted services, safety, or the continued availability of any facility. It is your responsibility to inspect the accommodation before confirming the booking. All accommodation and mess services are subject to the individual provider’s rules, regulations, and terms of service. Any disputes or issues arising from your stay, including safety concerns, service quality, or payment disputes, must be addressed directly with the provider, although Biginius may offer reasonable assistance in facilitating a resolution.

9. Placement Assistance Terms
Our Placement Assistance service aims to connect eligible students with employment opportunities by providing job search resources, resume and cover letter preparation, interview coaching, skill enhancement guidance, and networking opportunities. We leverage our connections with recruiters, companies, and hiring platforms to match candidates with suitable roles. While we strive to maximize your employability, we cannot and do not guarantee that you will receive a job offer, nor do we promise a minimum salary, specific job role, or location. Employment decisions rest solely with the employer. You are responsible for ensuring the accuracy of the information you provide during the placement process, including your qualifications, work history, and skills. Any falsification of details may result in termination of our services and possible legal consequences. Placement services may be subject to eligibility criteria such as successful completion of a course, passing aptitude tests, or meeting other employer requirements.

10. User Responsibilities
When using Biginius.com’s services, you agree to provide accurate, complete, and current information and to update such information promptly if it changes. You are responsible for complying with all applicable laws, rules, and regulations in connection with your use of our services. You must not engage in any activity that disrupts, interferes with, or harms our platform, systems, or networks. This includes refraining from submitting false documents, impersonating another individual, infringing intellectual property rights, or engaging in fraudulent or unlawful conduct. Any misuse of our services may result in immediate suspension or termination of your account and may lead to legal action. You are also responsible for safeguarding your login credentials and ensuring that no unauthorized person accesses your account. Biginius will not be liable for losses or damages arising from your failure to comply with these obligations.

11. Fees and Payment
Certain services offered by Biginius.com may require payment of fees, which will be clearly communicated before you commit to the service. All fees must be paid in the currency specified and by the payment methods accepted by Biginius. Fees are generally payable in advance and are non-refundable unless otherwise stated in our Refund and Cancellation Policy. You are responsible for any additional charges incurred from your bank, payment gateway, or other third-party payment processors. In cases of late or non-payment, Biginius reserves the right to suspend or terminate access to the relevant service until full payment is received. We may offer promotional discounts or special packages from time to time, but these are subject to change or withdrawal at our discretion.

12. Refund and Cancellation
Refunds and cancellations are governed by the specific Refund and Cancellation Policy applicable to the service you purchase. In general, once a service has been initiated or delivered, fees are non-refundable unless a cancellation is made before service commencement and within the timelines specified in the policy. Any refund approved will be processed within a reasonable period and via the original payment method. In the event of cancellation initiated by Biginius due to unforeseen circumstances or inability to deliver the service, you will be entitled to a full or partial refund, depending on the extent of service already rendered.

13. Service Limitations
While Biginius.com is committed to providing accurate, timely, and efficient services across scholarship acquisition, college admission, educational loans, mess and hostel arrangements, and placement assistance, certain limitations are inherent to the nature of our operations. We act as a facilitator, advisor, and intermediary between students and third-party service providers, institutions, and agencies. The ultimate authority to approve, reject, or alter the outcome of any application, admission, loan, accommodation booking, or job placement rests solely with the respective third parties involved. We cannot influence or override their decisions. Factors beyond our control—such as changes in government policy, educational institution guidelines, financial institution credit assessment processes, or employer recruitment criteria—may impact the final result. Furthermore, certain services may be temporarily unavailable due to system maintenance, unforeseen technical issues, or force majeure events, including but not limited to natural disasters, strikes, or network failures. In such situations, we will make reasonable efforts to restore services promptly, but we disclaim any liability for delays, losses, or inconveniences resulting from such interruptions.

14. Intellectual Property Rights
All content, designs, graphics, logos, trademarks, trade names, text, images, videos, software, and other materials available on Biginius.com, including the structure, organization, and arrangement of content, are the exclusive property of Biginius or its licensors and are protected under applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, and revocable license to use the platform and its services for personal, non-commercial purposes, strictly in accordance with these Service Terms. Any unauthorized reproduction, distribution, modification, or public display of our content, whether for commercial or non-commercial purposes, is strictly prohibited and may result in legal action. You may not use any meta tags, hidden text, or other techniques to exploit our intellectual property without explicit written permission. Third-party trademarks and service marks displayed on the platform remain the property of their respective owners and are used only for identification purposes.

15. Privacy and Data Protection
We value your privacy and are committed to protecting your personal information. The collection, storage, and processing of your data are governed by our Privacy Policy, which forms an integral part of these Service Terms. By using our services, you consent to the collection and use of your information in accordance with that policy. This may include sharing your information with educational institutions, financial institutions, government agencies, or placement partners as necessary to fulfill your service request. We employ industry-standard security measures to safeguard your data; however, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity conducted under your account.

16. Third-Party Services and Links
Biginius.com may provide access to third-party websites, tools, or services that are not owned or controlled by us. These may include scholarship portals, college admission systems, banking and loan application platforms, accommodation booking sites, or job boards. Such third-party services are provided solely for your convenience, and we are not responsible for their content, policies, practices, or availability. Your use of third-party services is at your own risk and subject to the terms and conditions imposed by those providers. We disclaim all liability arising from your interaction with such services, including any damages, losses, or disputes resulting from those interactions. We encourage you to review the terms of use and privacy policies of any third-party service before engaging with it.

17. Dispute Resolution
Any dispute, controversy, or claim arising from or related to these Service Terms, your use of Biginius.com, or the services provided shall be resolved first through good-faith negotiations between you and Biginius. If the dispute cannot be resolved amicably within thirty (30) days, it shall be referred to binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, as applicable in India. The arbitration shall be conducted in Bhubaneswar, Odisha, in the English language, before a sole arbitrator mutually appointed by both parties. The decision of the arbitrator shall be final and binding on both parties. You agree that any claim must be brought individually and not as part of a class action or other collective proceeding.

18. Governing Law and Jurisdiction
These Service Terms and any related disputes shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Subject to the dispute resolution clause, you agree that the courts located in Bhubaneswar, Odisha, shall have exclusive jurisdiction over any matter arising from or relating to your use of Biginius.com or these terms.