Subscriber Agreement.
In plain English first.

This Subscriber Agreement (the "Agreement") is a legally binding contract between you ("you", "the User", "the Subscriber", and where the account is for a minor, the consenting parent or guardian) and NTSE Guru Ventures, a partnership firm having its place of business at 19, Mourya Garden, Indore, Madhya Pradesh 452001 (referred to as "we", "us", "our", or "the Company"), which owns and operates the brand and platform 8by8verse and its associated products (together, the "Platform" or the "Service").

This Agreement governs your purchase and use of any paid plan, subscription, report, registration, digital good or other paid service offered on or through the Platform. It is to be read together with, and incorporates by reference, our Terms & Conditions, Privacy Policy, Refund & Cancellation Policy and Shipping Policy. Where there is a conflict on a paid-service matter, this Agreement prevails.

You are asked to read this Agreement in full and to record your acceptance of it before any payment is processed. The version of this Agreement that applies to you is the version in force at the time you place your order; the current version is dated 2026-06-27 (reference 2026-06-27).

• "NCR" means the National Chess Rating produced by the Platform — a privately computed, preparatory rating intended to help players track and prepare their over-the-board performance.
• "Content" means ratings, reports, analysis, puzzles, articles, books, magazines, listings, statistics and other materials made available through the Platform.
• "Open sources" means publicly available information and data that we lawfully collect, organise and present, including publicly published tournament results and player information.
• "Third-party processors" means independent service providers we rely on to operate the Service, including messaging providers (such as WhatsApp and SMS gateways), payment intermediaries, hosting providers and analytics providers.

By ticking the acknowledgement box presented at checkout, completing payment, or otherwise using a paid feature, you confirm that you have read, understood and agreed to be bound by this Agreement and the policies it incorporates. This electronic acknowledgement has the same legal effect as a signature under applicable law, including the Information Technology Act, 2000.

If you do not agree with any part of this Agreement, you must not complete the payment and must not use the paid Service. You may continue to use any free features that do not require acceptance of this Agreement.

You must be capable of forming a binding contract under the Indian Contract Act, 1872 to purchase a paid plan in your own name. Where the Subscriber, player or beneficiary is a minor, the account must be created, owned and operated by a parent or lawful guardian, who accepts this Agreement on the minor's behalf and consents to the limited processing of the minor's personal data necessary to provide the Service, consistent with the Digital Personal Data Protection Act, 2023.

You represent that all information you provide is accurate and that you have the authority to make the purchase, including on behalf of any minor for whom you are paying.

The Platform is a digital preparation and tracking tool for chess players. The NCR and all related reports, performance estimates, projections and insights are provided for educational, recreational and preparatory purposes only. The NCR is a privately computed preparatory rating; it is not an official rating, and we do not claim it to be official, nor is it issued, endorsed, recognised or guaranteed by FIDE, any national chess federation, or any governmental or sporting authority. It is designed to complement, and never to replace, the official ratings published by such bodies.

You agree that you will not represent the NCR as an official or federation rating in any official entry, ranking submission, selection process or other formal context, and you acknowledge that any decision you take in reliance on the NCR or on any Content is taken at your own discretion and risk.

The price, included features and applicable taxes for each plan are displayed on the plans page and on the checkout screen at the time of purchase. Prices for customers in India are shown in Indian Rupees (INR / ₹) and are inclusive or exclusive of Goods and Services Tax (GST) as indicated at checkout; prices for customers outside India may be shown in another currency.

• Unless expressly stated otherwise, paid plans are for a fixed term and do not auto-renew; we do not store or automatically charge your payment instrument for renewal.
• Where payment is made by direct bank transfer or UPI during our interim checkout, your plan is activated after we are able to reconcile the payment against your account; you agree to share the requested confirmation (such as a payment reference or screenshot) to enable this.
• Bank, card-network, foreign-exchange and similar charges levied by your own bank or payment provider are outside our control and are your responsibility.

Refunds and cancellations are governed by our Refund & Cancellation Policy, which forms part of this Agreement. Because the Service is delivered electronically and access is granted immediately or shortly after payment, refunds are limited to the circumstances described in that policy. Dissatisfaction with the value of a preparatory rating, or with how your rating has moved, is not by itself a ground for a refund.

The Platform is an internet-delivered digital service that compiles, computes and presents large volumes of information, a significant part of which is drawn from open sources. While we take reasonable care, we do not warrant that the Content, the NCR, or any figure, listing, projection or report is complete, current, uninterrupted or free from error. Information taken from open sources may itself be incomplete, delayed or inaccurate at source.

Because of the technical and data-driven nature of the Service, occasional errors, delays, downtime, recalculations, syncing gaps or display glitches may occur. Such occurrences are an ordinary and expected characteristic of a digital, data-dependent product and do not, in themselves, mean that the Service is defective, "not working", or not as described. If you encounter such an issue, your remedy is to contact us so that we may investigate and, where appropriate, correct it; we will make reasonable efforts to do so. Corrections, recalculations and improvements made over time are part of normal operation and are not a deficiency in service.

To provide the Service we rely on independent third-party processors. In particular, to communicate with you we use external messaging services, including WhatsApp and SMS gateways, and to take payments we use external payment intermediaries. By using the Service you acknowledge and consent that limited personal data — such as your name, mobile number, email address and transaction details — may be shared with and processed by these third-party processors strictly for the purpose of delivering messages, processing payments and operating the Service.

These third-party processors are independent entities that operate under their own terms and privacy policies, over which we have no control. We are not responsible for the acts, omissions, availability, security practices or data handling of any third-party processor, and your use of any third-party service may also be governed by that provider's own terms. Our handling of your personal data is described in our Privacy Policy, which is aligned with the Digital Personal Data Protection Act, 2023 and, where applicable to users in those regions, the EU/UK General Data Protection Regulation (GDPR).

You agree to use the Service lawfully and not to: (a) use it for any unlawful purpose or in breach of any applicable law; (b) attempt to gain unauthorised access to the Platform, other accounts or our systems; (c) use engines, bots or external assistance during online play hosted on the Platform; (d) impersonate any person, fabricate results or scoresheets, or fraudulently claim another person's identity or rating; or (e) copy, scrape, resell or commercially redistribute the Content without our prior written permission. You are responsible for keeping your account credentials secure and for all activity under your account.

All rights in the Platform and the Content — including the 8by8verse and BSPM names and logos, the NCR methodology, software, designs, text, graphics and databases — are owned by or licensed to NTSE Guru Ventures and are protected by applicable intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use the paid Content for your own non-commercial use for the duration of your plan. You retain ownership of material you upload (such as scoresheets and your profile photo) and grant us a non-exclusive, royalty-free licence to host, process and display it as needed to provide the Service.

The Service and all Content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement, to the maximum extent permitted by law.

You acknowledge that a rating is a calculated estimate that naturally rises and falls, and that the NCR remains at all times a preparatory and unofficial figure. You further acknowledge and agree that we shall not be liable for any disappointment, stress, anxiety, emotional distress, mental anguish, loss of confidence, reputational feeling or other non-pecuniary or emotional harm that you or any other person may experience as a result of a decrease, fluctuation, recalculation or correction of an NCR rating, or as a result of any Content, ranking, report or comparison displayed on the Platform. You waive, to the fullest extent permitted by law, any claim against us founded on such emotional or mental harm, and you agree that the existence of such feelings does not constitute harassment by, or any wrongdoing on the part of, the Company.

We provide the Service in the capacity of a best-effort service provider. We do not undertake an absolute or guaranteed obligation of uninterrupted, error-free or continuous performance, and our obligations under this Agreement are obligations of reasonable effort and not of result.

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, punitive or consequential loss, or for any loss of profits, goodwill, opportunity or data, arising out of or in connection with the Service. In all cases, our total aggregate liability arising out of or relating to this Agreement, whether in contract, tort or otherwise, shall not exceed the total amount actually paid by you to us for the specific plan or service giving rise to the claim during the three (3) months immediately preceding the event giving rise to the claim. Nothing in this Agreement limits any liability that cannot lawfully be limited.

You agree to indemnify and hold harmless NTSE Guru Ventures, its partners, employees and agents from and against any claim, demand, loss or expense (including reasonable legal costs) arising out of your breach of this Agreement, your misuse of the Service, your infringement of any third-party right, or your misrepresentation of the NCR as an official rating.

We may, from time to time and without prior notice, update, modify, suspend or discontinue any part of the Service, carry out maintenance, or change features, in order to operate and improve the Platform. We may suspend or terminate your access where we reasonably believe you have breached this Agreement or applicable law, or where required to protect the Platform or other users. Temporary unavailability for these reasons is not a breach of this Agreement.

This Agreement is governed by and construed in accordance with the laws of India. Subject to the dispute-resolution process below, the courts at Indore, Madhya Pradesh shall have exclusive jurisdiction over any dispute arising out of or in connection with this Agreement.

Before commencing any formal proceedings, the parties shall first attempt in good faith to resolve any dispute amicably by writing to the Company at the contact address below. Any dispute that cannot be resolved amicably within thirty (30) days may be referred to arbitration by a sole arbitrator appointed by the Company, conducted under the Arbitration and Conciliation Act, 1996, with the seat and venue at Indore, Madhya Pradesh, and proceedings in English.

In accordance with applicable Indian law, including the Information Technology Act, 2000 and the rules made thereunder and the Consumer Protection (E-Commerce) Rules, 2020, complaints concerning the Service or your personal data may be addressed to our Grievance Officer:

• Grievance Officer, NTSE Guru Ventures
• Email: contact@8by8verse.com
• Address: 19, Mourya Garden, Indore, Madhya Pradesh 452001

We will acknowledge complaints and endeavour to resolve them within the timelines required by applicable law.

We may revise this Agreement from time to time. The version in force at the time of your purchase governs that purchase. Where a change materially affects your rights for a future purchase, the updated version will be published on this page with a new "last updated" date, and your continued use of the paid Service after such publication constitutes acceptance of the revised Agreement.

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. This Agreement, together with the policies it incorporates, constitutes the entire agreement between you and the Company in respect of paid Services and supersedes any prior understanding on that subject.

For any question about this Agreement, please write to contact@8by8verse.com or call +919109126329.

By completing payment for any plan or service on the Platform, you confirm that you have read this Agreement in full, that you understand it, and that you accept it on your own behalf and, where applicable, on behalf of the minor for whom you are paying. The Company is identified for tax and regulatory purposes as NTSE Guru Ventures, GSTIN 23AAPFN9019F1Z5, PAN AAPFN9019F.