Terms of Service

01Who we are and what these terms cover

NefyX ("NefyX", "we", "us") is an online platform where independent creators sell sessions, packages, digital products, webinar tickets and recordings, paid articles, tips and paid answers to questions, and where buyers discover and pay for them. Musheer is the entity that runs the platform. Contact details are on the Contact page.

In these terms, a Creator is anyone who opens a storefront to sell on NefyX; a Buyer is anyone who purchases or pays through NefyX; an Offer is anything a Creator lists for sale; and the Platform means the NefyX website, its dashboards and the checkout.

By using the Platform you accept these terms. If you do not accept them, do not use the Platform. The following policies form part of this agreement: the Privacy Policy, Refund Policy, Cookie Policy, Acceptable Use Policy, Delivery Policy, Payments and Compliance Policy and, for Creators, the Creator Terms.

02Eligibility and your account

You must be at least 18 years old and legally able to enter a contract under Indian law to open an account, to sell on NefyX or to complete a purchase. If you are under 18, a parent or guardian must make the purchase and is responsible for it.

• Give accurate information, and keep it current. A Creator's payout details must belong to the Creator.
• Keep your sign-in credentials, including the codes we e-mail you, private. You are responsible for activity on your account until you tell us it has been compromised.
• Do not create accounts to get around a suspension or a block, and do not sell or hand over your account.
• One person has one account. The same account can act as a Buyer and as a Creator.

You can buy from a Creator without an account (guest checkout). We then use the name and e-mail address you give at checkout to deliver the purchase, send your receipt and handle any refund.

03NefyX is a marketplace, not the seller

NefyX is an intermediary. Every session, product, ticket, article, tip and answer on the Platform is created, priced, described and delivered by the Creator, not by NefyX. We provide discovery, checkout and payment collection. We do not write, review in advance, endorse or guarantee what Creators offer, and we do not guarantee that any Creator will deliver, be available or be qualified for the subject they teach.

Your contract for a particular Offer is with the Creator who sells it. Disagreements about the substance of what was delivered, such as its quality, accuracy or timing, are between you and that Creator. NefyX's role in a dispute is limited to what the Refund Policy and the Payments and Compliance Policy describe, and to enforcing these terms against the account involved.

Because Creators publish their own content, NefyX acts as an intermediary under the Information Technology Act, 2000. We take down or restrict content and accounts as described in the Acceptable Use Policy and the Grievance Redressal page.

04Buying on NefyX

• Prices are in Indian rupees and are set by the Creator. The price you see at checkout is the total you pay; NefyX adds no fee on top of it. Any tax that applies to a sale is the Creator's responsibility and is handled as the Creator and the law require.
• Payment is taken by a third-party payment gateway using UPI, cards or net banking. Your order is complete only when the gateway confirms the payment to us. A redirect back to NefyX alone is not confirmation.
• Short holds. While you are paying, NefyX holds the seat, time slot or coupon use you chose for a short window (currently about half an hour). If payment does not complete in that window, the hold is released and someone else may take it.
• Coupons apply only as the Creator set them, and only once per eligible purchase. A refunded purchase returns what you actually paid; it does not return the coupon as credit.
• Receipts and access. After a successful payment we e-mail a confirmation. If you paid as a guest, that e-mail carries a link to check your order status, so keep it.
• If payment succeeds but you get no access, you are always entitled to a refund or to have access restored. See Refund Policy.

How each kind of Offer is delivered, and what to do if something does not arrive, is explained in the Delivery Policy.

05Selling on NefyX

Anyone who meets the eligibility rules above can open a storefront. You are responsible for what you list, for delivering what you sell, for the accuracy of your descriptions and for obeying the law in how you price, advertise and fulfil your Offers. The Creator Terms set out the rules specific to selling: identity and bank verification, fees, payouts, refunds you must honour, tax and what happens when an account is restricted. They apply to every Creator.

06Fees and payments

NefyX charges Creators a flat platform fee of 4.5% on each completed sale. It is taken out of the price the Creator set, so the Buyer pays exactly the listed price. There is no monthly plan, setup charge, listing fee or fee to withdraw earnings. A refund reverses the platform fee together with the sale.

Card, UPI and bank details are entered on the payment gateway's secure pages and handled by the gateway. NefyX does not store full card or bank details. The payment gateway we use is Cashfree Payments, and your payment is also subject to the gateway's own terms.

Payments are collected and processed by Cashfree Payments, not by an individual. NefyX records each Creator's share of a sale, and when a Creator asks for a payout and NefyX approves it, the transfer is made through Cashfree to the Creator's own verified bank account or UPI ID. How that works, and what can hold or reject a payout, is in the Payments and Compliance Policy. Where the law requires NefyX to deduct or collect tax at source on a Creator's sales, NefyX may do so, and earnings are shown after that deduction.

We may change the platform fee in future. A change applies only to sales made after it takes effect and is announced on Pricing before it does.

07Content and the licence you give NefyX

You keep full ownership of everything you upload or write on NefyX: your profile, images, product files, descriptions and articles. By publishing it on NefyX you give us a non-exclusive, worldwide, royalty-free licence to host, display, distribute and reproduce it to run and promote the Platform, for example showing your storefront to visitors, surfacing it in search results, or featuring it with the "Made on NefyX" attribution. The licence ends when you remove the content or close your account, except where a copy must remain, such as the record of a completed purchase.

You promise that you own what you upload or have the right to use it, and that it does not infringe anyone's rights or break the Acceptable Use Policy. A buyer's licence to a digital product is for personal use unless the Creator states otherwise. Reselling or redistributing someone else's paid content is not allowed.

Reviews you post are shown on the Creator's storefront under the display name you used, after the Creator approves them. Do not post anything false or abusive in a review.

08What you may not do

The full list is in the Acceptable Use Policy. In short, you may not sell anything illegal or prohibited, misrepresent what you sell, infringe intellectual property, use NefyX to launder money, take payments you do not intend to deliver on, harass others, attack or probe the Platform, or work around these terms, for example by steering Buyers off the Platform to avoid the platform fee on a sale that started here.

09Suspension, removal and holds

We may remove an Offer, restrict a feature, hold a payout, or suspend or close an account when we reasonably believe it is needed to keep the Platform and its users safe or lawful. That includes where an account breaks these terms, where we receive a valid legal order or a request from a bank, payment gateway or authority, where a payment is disputed or reported as fraudulent, or where verification cannot be completed. A suspended account loses sign-in and access to its dashboard until the matter is resolved.

Where we can, we tell the account holder by e-mail what we have done and what they can do about it. In some cases the law, or an investigation, means we cannot give the full reasons. The Payments and Compliance Policy explains how payment holds, rejected payouts and legal freezes work and how to resolve them.

You may close your account at any time from your settings. Closing it erases your identity details, but financial records that Indian law requires us to keep are retained as the Privacy Policy explains. Money still owed to you is paid out first; an account with open refunds, disputes or confirmed bookings cannot be closed until they are settled.

10Disclaimers

The Platform is provided "as is" and "as available". We work to keep it secure and running, but we do not promise it will be uninterrupted or error free, and we are not responsible for outages of third-party services we depend on, such as payment gateways, banks, e-mail delivery, video-call providers or Google services.

Video sessions and webinars use third-party meeting links supplied by the Creator or generated by the Platform. NefyX does not record, monitor or control those meetings.

11Limitation of liability

To the maximum extent the law allows, NefyX is not liable for indirect, incidental, special or consequential loss, or for loss of profit, income or data, arising from a Creator's content or conduct, from what a Buyer does with something they purchased, or from your use of the Platform. Our total liability to you for any claim connected with the Platform is limited to the greater of the amount you paid to NefyX in the three months before the claim arose, or one thousand rupees.

Nothing in these terms limits liability that cannot lawfully be limited, including liability for fraud and your rights under the Consumer Protection Act, 2019.

You agree to compensate NefyX for loss and legal costs that result from your breach of these terms or your infringement of someone else's rights, to the extent the law permits.

12Complaints, governing law and disputes

Start with us. Write to the Grievance Officer or to support@nefyx.com. We acknowledge a complaint within 24 hours and aim to resolve it within 15 days.

These terms are governed by the laws of India. If a complaint cannot be resolved between us, the courts at the place of our registered office have exclusive jurisdiction, without limiting any right you have as a consumer to approach a consumer forum that has jurisdiction over you.

13Changes to these terms

We update these terms as the Platform grows. For a material change we will update the date at the top of this page and, for registered users, send a notice by e-mail before the change applies. Continuing to use the Platform after a change takes effect means you accept it. Earlier versions are available on request.

14Contact

Questions about these terms: support@nefyx.com. Our full details are on the Contact page.