Template. Final text to be reviewed by a lawyer before launch.

Commission Plan

This plan explains exactly how coins are earned and used on MyChoice.

1. Joining is free

There is no joining, registration or activation fee. Any member can get a referral code without buying anything.

2. Coins come only from purchases

Coins are earned only when a person buys the course. Nothing is earned for sign-ups, invites or logins.

3. Holding period and refunds

Coins stay pending for 7 days. If the buyer gets a refund, those coins are cancelled.

4. Using coins

1 coin = ₹1 of gift card value. Coins can’t be withdrawn as cash, transferred, or topped up. Minimum redemption is 500 coins. PAN may be needed for larger redemptions, as required by tax law.

5. No income promises

MyChoice does not promise any level of earnings. Rewards depend only on actual course purchases.

Terms of Use

These terms are between you and [Company legal name], [address]. [Sections to cover: eligibility and accounts, course licence and acceptable use, payments and GST, referral and coin rules (see Commission Plan), fraud and account suspension, intellectual property, limitation of liability, governing law (India), grievance officer contact.]

Privacy Policy

Prepared under the Digital Personal Data Protection Act, 2023. [Sections to cover: data collected (phone, name, email, PAN when needed, device ID for fraud checks), why it is used, consent, service providers (payments, SMS, video, gift cards, hosting), retention, your rights including deletion, grievance officer contact.]

You can delete your account and personal data any time from Profile › Delete my account.

Refund Policy

You can request a full refund within 7 days of purchase from Profile › Orders & refunds. Approved refunds go back to the original payment method within 5–7 working days. Course access ends once the refund is approved, and any coins earned by referrers from that purchase are cancelled.