Master Terms and Conditions

Please read the following terms and conditions carefully as it sets out the terms of a legally binding agreement between you (the reader) and Illumine Knowledge Resources Private Limited.

1. Introduction

Master terms: Welcome, and thank you for your interest in Illumine Knowledge Resources Private Limited (“Illumine,” “Illumine Knowledge Resources,” “Company,” “IKR,” “we,” “our,” or “us”). Unless otherwise noted on a particular site or service, these master terms of use (“Master Terms”) apply to your use of all of the websites and mobile browser sites that Illumine Knowledge Resources Private Limited owns and/or operates. These include,,,,, and together with all other subdomains thereof, (collectively, the “Websites”). The Master Terms also apply to all products, information, and services provided through the Websites, including without limitation the Changemaker’s Diagnostic, the subscription service available at, and websites (together with the Websites, the “Illumine Services”).

Additional terms: In addition to the Master Terms, your use of any Services may also be subject to specific terms applicable to a particular Service (“Additional Terms”). If there is any conflict between the Additional Terms and the Master Terms, then the Additional Terms apply in relation to the relevant Service.

Collectively, the Terms: The Master Terms, together with any Additional Terms, form a binding legal agreement between you and Illumine in relation to your use of the Illumine Services. Collectively, this legal agreement is referred to below as the “Terms.”

2. Registration Access and Use

We welcome users to register for any of our Services. Our registration services may be subject to change in the future. All changes will be appended in the master terms and conditions page and communicated to existing users by email.

Registration services are offered for individual subscribers only. If multiple individuals propose to access the same account or for corporate accounts kindly contact or write in to us. Subscription rates will vary for multiple same time access.

The nature and volume of Illumine Services you consume on the Websites will vary according to the type of registration you choose, on the geography you reside or the offer you subscribe to. The details of each of these services and access offered for each account have been listed on the respective websites and/or mobile sites and/or mobile application which fall under the umbrella of Illumine services.

We may in exceptional circumstances cease to provide subscription services. We will give you at least 7 days notice of this, if possible. If we do so, then we will have no further obligation to you.

3. Privacy Policy and Registration

All information received by us from your registration on any digital products of Illumine Services will be used by us in accordance with our Privacy Policy. Kindly read the below mentioned details.

On registration, we expect you to provide us with an accurate and complete information of the compulsory fields. We also expect you to keep the information secure, specifically access passwords and payment information. Kindly update the information periodically to keep your account relevant. We will rely on any information you provide to us and are not responsible if our service is not delivered to you because of incorrect contact information.

Each registration is for a single user only. On registration, you will choose a user name and password ("ID"). You are not allowed to share your ID or give access to your account to anyone else. Illumine Services subscription for individual users does not allow multiple users on a network or within an organization to use the same ID. On knowledge, we may cancel or suspend your access to Illumine Services if it comes across that you are sharing your personal access without further obligation to you.

You are responsible for all the use of Illumine Services made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify us immediately by e-mailing us at [email protected] We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.

If you provide us with an email address that will result in any messages being sent to you via a network or device operated or owned by a third party (e.g., your employer or college) then you promise that you are entitled to receive those messages. To ensure emails land in your inbox, you will add Illumine mail receipt id to your safe list. You also agree that we may stop sending messages to you without notifying you.

Important - Kindly note
  1. When you participate and choose to subscribe to joint content subscription offers that we partner with, your email id, access password and entered personal information will be shared with the participating content partner brand via an encrypted server to server protocol. This sharing is to facilitate your seamless access across the partner brand's platform. Once you login to the partner brand's platform, specific terms and privacy policies of the partner brand (as mentioned on their website) will apply.
  2. Merely subscribing to such a joint offer does not make you eligible to gain access to the partner platform. We do not take responsibility of providing you with an access on the partner site for existing users/subscribers of these sites.
  3. As a registered user of or subscriber to one or more of Illumine Services, you may choose to use respective Illumine Services website’s "Remember me" log in feature that enables you to be logged in automatically to respective Illumine Services whenever you visit them without having to manually log in each time. We recommend that you do not enable this feature on any computer that is or may be used by anyone other than you in order to prevent unauthorized access by third parties to both, your subscription details and features of Illumine Services personal to you.
4. Personal Subscription Services

Premium personal subscription services, when introduced, will include additional access to behind the paywall content of Illumine Services. The nature of content behind the pay wall is subject to change; the final decision of which lies with Illumine.

Types of subscription:
  1. Services may differ from country to country and the device from which you subscribe.
  2. Subscriptions packages and price may also vary in time.
Contract formation:
  1. We will try to process your subscription promptly but does not guarantee that your subscription will be activated by any specified time.
  2. By submitting your payment and other subscription details, you are making an offer to us to buy a Premium Personal subscription service. Your offer will only be accepted by us and a contract formed when we have successfully verified your payment details, email address and/or WhatsApp number, at which point we will provide you with access to your subscription. We reserve the right to reject any offer in our discretion, for any or no reason.
Payment details: Pricing: Taxes: Pricing errors: Other costs:
5. Subscription Period, Renewal and Cancellation of Personal Subscriptions

Session cookies are temporary cookies that are used to remember you during the course of your visit to the website, and they expire when you close the web browser.

For each and every subscription-based Illumine Service, the following subscription principles hold:
Renewals: Cancellation & Refund Policy: How to unsubscribe? Cancellation by us: Cancellation of your registration:
6. Content ownership
7. User Generated Content

Illumine Services may from time-to-time provide interactive services such as message boards, chat rooms, forums, ‘share’, and other interactive features (collectively, “Interactive Services”) that allow users to post, submit, publish, display or transmit to other persons (hereinafter, “post”) content or materials (collectively, “User Generated Content”) on or through the Website. All User Generated Content (UGC) must comply with the Content Standards set out in this Policy.

Content Standards:

These content standards apply to all UGC and use of Interactive Services. UGC must in their entirety comply with all applicable local and international laws and regulations.

Without limiting the foregoing, UGC must not:

Monitoring and Enforcement; Termination
8. Third Party Sites and Services
9. Linking to the website and social media features
10. Our Responsibilities towards You
A summary of what this section means:

This section is important and you should read it carefully. It makes clear to what extent, if any, we accept responsibility (liability) to you for your use of Illumine Services in or in respect of any third party products or services that we refer to or any other link to/ on Illumine Services.

Limitations of content published on Illumine Services: What we promise: What we do not promise: Our financial responsibility to you:

You agree that if we are in breach of these terms and conditions, we will only be responsible to you for any damages that you incur arising out of your use of Illumine Services (to the extent that our liability is not otherwise excluded by this section 10) as follows:

The limitations of liability in this section 10 apply for the benefit of Illumine Knowledge Resources, its affiliates, and all of their respective officers, directors, employees, agents or any company who we transfer our rights and obligations to in accordance with these terms and conditions.

To the full extent permitted by law you acknowledge and agree that our third party content and data suppliers have no liability whatsoever to you in respect of any of their data supplied to you as part of Illumine Services.

Our liability will not be limited in the case of death or personal injury directly caused by our negligence in those countries where it is unlawful for us to seek to exclude such liability.

11. General
12. Choice of Law and Jurisdiction

If you are a user whose principal address or principal use of Illumine Services occurs in any jurisdiction across the world then these terms and conditions will be subject to Indian law.

In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the competent courts in Mumbai, India will have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions.

13. Changes to Terms and Conditions and Validity

These terms and conditions were published on 29th Nov 2018.

14. Who Your Personal Subscription Contract is with
If you subscribe to any of the Illumine Services, and are resident in any country, then you will be contracting with:
Illumine Knowledge Resources Private Limited
No.3, Khurshed House
604-D, Lady Jehangir Road
Dadar (East), Mumbai 400014.