Terms & Conditions

Last updated: 25 October 2026

1. Operator & Acceptance
2. About the Scheme
3. Eligibility & Enrollment
4. Plans & Pricing
5. Payments
6. No Refund Policy
7. Service Delivery Policy
8. Benefits
9. Validity & Renewal
10. Agents & Partners
11. Your Obligations
12. Suspension & Termination
13. Privacy & Data Protection
14. Disclaimers & Liability
15. Indemnity
16. Intellectual Property
17. Force Majeure
18. Changes, Governing Law & Disputes
19. Grievance Redressal
20. Contact Us

1. Operator & Acceptance

The website svy.org.in, the SVY Student, Agent and Admin portals and the Shishu Vikas Yojana (“SVY”) programme are owned and operated by A3N IT Services (“A3N”, “we”, “us”, “our”). “You” means the parent or legal guardian enrolling a child, the enrolled student, and any agent, partner or visitor using the website or portals.

By enrolling a child, making a payment, creating a login or using the website, you confirm that you have read, understood and agree to be bound by these Terms & Conditions, our Privacy Policy and the Guidelines, which together form a legally binding agreement under the Indian Contract Act, 1872 and the Information Technology Act, 2000. If you do not agree, please do not enroll, pay or use the services. This document is an electronic record and does not require a physical or digital signature.

2. About the Scheme

• SVY is a private, CSR-sponsored child welfare initiative operated by A3N IT Services. It is not a Government of India or State Government scheme and is not affiliated with, endorsed by or sponsored by any government department.
• SVY is a welfare support programme. It is not an investment, deposit, chit, savings or insurance product; no interest, return, maturity value or profit of any kind is offered or guaranteed.
• Where a benefit is insurance-linked, cover is provided by a third-party insurer; A3N only facilitates enrollment and claims and is not the insurer.

3. Eligibility & Enrollment

• Plans are available for children up to 18 years of age, as per the criteria published for each plan.
• A child is enrolled by a parent or legal guardian, through an authorised SVY agent or by submitting the Join Us form as Parent / Student. The parent or guardian confirms that they are legally authorised to act and give consent on the child's behalf.
• KYC and document verification are mandatory. Membership is activated only after successful verification, and all benefits become active 30 days after joining (or after renewal).
• You must provide true, complete and current information. Membership and benefits are personal to the registered student and are non-transferable.

4. Plans & Pricing

Plan	Plan fee (INR)	Validity
SVY Regular Plan	₹399	1 year from joining, renewable every year
SVY Premium Plan	₹1,399	1 year from joining, renewable every year

• All prices are in Indian Rupees (INR). The plan fee and the applicable renewal charge are displayed / communicated before payment, and the amount shown at the time of payment is the amount payable.
• No agent or representative may charge any amount above the published fee. Report any such demand to us immediately.
• We may revise fees or benefits for new enrollments and renewals; revised fees do not apply to a payment already completed.

5. Payments

• Payments are accepted only through official SVY channels: the payment gateway on svy.org.in (where enabled) and authorised SVY agents through the SVY agent wallet. A receipt / transaction reference is issued for every successful payment.
• Online payments are processed by RBI-authorised third-party payment gateway / aggregator partners using industry-standard security (PCI-DSS). We do not collect or store your card number, CVV, UPI PIN or net-banking password. Your use of the gateway is also subject to the gateway's and your bank's terms.
• A payment is complete only when it is confirmed by the gateway or bank to us. We are not responsible for delays or failures caused by banks, card networks, UPI apps or the payment gateway.
• If your account is debited but the payment is not confirmed to us, the gateway / bank reverses the amount to the original payment source; see Section 6.4.
• Raising a chargeback or dispute with your bank for a payment that was successfully applied to a membership, without first contacting us, may lead to suspension of that membership until the dispute is resolved.
• Payments made in cash, or to any personal bank account, UPI ID or wallet not listed as an official SVY channel, are at the payer's own risk and cannot be recovered from A3N.

6. Refund & Cancellation Policy — No Refund

6.1 No refund after registration. Once a student's registration is completed, the plan fee is not refundable under any circumstances. The same applies to the renewal charge once a renewal is done, and to the agency / partner activation fee once an agent or partner account is activated. These fees are used immediately for activation, verification, administration and arrangement of benefits.

6.2 No cancellation. A registration or renewal cannot be cancelled after it is completed. Change of mind, non-use or partial use of benefits, non-renewal, ineligibility for a particular benefit, discontinuation, or suspension / termination of the membership under Section 12 does not make any fee refundable, adjustable or transferable.

6.3 Please check before paying. Read the plan details, these terms and the Guidelines carefully, and confirm the plan, student details and amount before making the payment.

6.4 Failed or duplicate transactions (not a refund). If your bank account is debited but the payment does not reach us and no registration is created, or the same payment is debited twice for one registration, the extra or unapplied amount is reversed by the bank / payment gateway to the original payment source as per RBI timelines. This is a reversal of a failed transaction, not a refund of a fee. Report such cases within 30 days to info@svy.org.in with the transaction reference / UTR.

7. Service Delivery Policy

• SVY is a digital service; no physical goods are shipped. On successful payment and verification, the membership is activated and the student's SVY ID / virtual card and portal login are issued online and communicated by SMS to the registered mobile number.
• If the membership is not activated within 15 working days of a successful payment, contact us at info@svy.org.in or 1800 103 2701.
• Benefits are delivered as per the plan rules (for example, scholarships and claims are paid by bank transfer to the account given in the application) after the applicable activation and waiting periods.

8. Benefits

• All covers, grants and scholarship amounts published are maximum limits and are subject to plan rules, eligibility, verification, available seats / windows and the applicable claim or application process. The benefits of each plan are described on the Benefits page.
• Health cover: up to ₹25,000 a year in the Regular Plan; in the Premium Plan up to ₹50,000 in the first year and up to ₹25,000 a year from the second year. A maximum of 6 claims can be made in a year, and non-hospitalization claims are limited to ₹2,000 each.
• Insurance-linked benefits are governed entirely by the terms, exclusions, waiting periods and claim procedures of the respective insurer. A3N is not liable for a claim rejected by an insurer under its policy terms.
• Disbursal timelines depend on verification and third-party processing. Benefit amounts are paid only to verified bank accounts of the student or parent.

9. Membership Validity & Renewal

• An SVY card (Regular or Premium) is valid for one year from the date of joining. The plan fee is not a one-time payment for the full benefit period.
• To keep benefits active, the card must be renewed every year on or before its renewal date by paying the applicable renewal charge through an official SVY channel.
• If the renewal date passes, the card becomes inactive and no benefit can be applied for or claimed until it is renewed. A card not renewed within 180 days of its renewal date is closed.

10. Agents, Supervisors & Partners

• Agents, supervisors and partners are independent associates authorised only to enroll students and assist with the SVY process. They are not employees of A3N and cannot change these terms or promise anything beyond the published benefits.
• No agent may collect any amount above the published fee. Every agent must inform the parent / student that fees are non-refundable before collecting any payment.
• Agency / partner activation fees and wallet balances are governed by these terms and the agent agreement. Misconduct, fraud, mis-selling or breach of guidelines may result in termination and legal action, without refund of any fee.

11. Your Obligations

• Provide only true and genuine information and documents, and keep your mobile number and bank details current.
• Keep your login credentials confidential; you are responsible for all activity under your login.
• Do not misuse the website or portals — including unauthorised access, scraping, uploading malicious code, impersonation, or creating fake SVY websites, apps or social-media pages.
• Submission of false or forged documents, or obtaining a benefit by misrepresentation, may lead to cancellation, recovery of the benefit paid and action under applicable law, including the Bharatiya Nyaya Sanhita, 2023 and the Information Technology Act, 2000.

12. Suspension & Termination

We may suspend or cancel a membership, login or agent account where eligibility conditions are not met, documents cannot be verified, fees are disputed or reversed, or where there is fraud, misuse, false information or breach of these terms. No refund is payable on such cancellation.

13. Privacy & Data Protection

Personal data, including children's data, is processed as described in our Privacy Policy, in accordance with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000 and the rules made under them. Children's data is processed only with the verifiable consent of the parent or guardian.

14. Disclaimers & Limitation of Liability

• The website and portals are provided on an “as is” and “as available” basis. We do not warrant uninterrupted or error-free operation.
• To the maximum extent permitted by law, A3N's total liability arising out of or relating to a membership shall not exceed the fee actually paid for that membership in the preceding 12 months.
• A3N is not liable for any indirect, incidental, special or consequential loss, or for any act or omission of a third-party insurer, bank, payment gateway, SMS provider or agent acting outside their authority.

15. Indemnity

You agree to indemnify and hold harmless A3N IT Services, its owners, employees and associates against any claim, loss or expense (including reasonable legal fees) arising from false information or documents provided by you, your breach of these terms, or your misuse of the website or portals.

16. Intellectual Property

The SVY name and logo, the website, portals, content, designs and software are the property of A3N IT Services. No part may be copied, reproduced or used without prior written permission. Unauthorised use or imitation — including fake websites, applications or social-media pages — is prohibited and will be acted upon.

17. Force Majeure

We are not liable for any delay or failure in performance caused by events beyond our reasonable control, including natural disasters, epidemics, government action, war, strikes, power or network failure, or failure of banks, payment gateways or insurers.

18. Changes, Governing Law & Disputes

• We may modify plans, benefits, fees or these terms at any time. Changes are published on this page with a revised “Last updated” date and apply from the date of publication; continued use of the services means you accept them. Changes do not affect a payment already completed.
• These terms are governed by the laws of India. Subject to your rights under the Consumer Protection Act, 2019, any dispute shall be subject to the exclusive jurisdiction of the competent courts at New Delhi.
• If any provision is held invalid, the remaining provisions continue in full force. In case of any discrepancy between translated versions, the English version prevails.

19. Grievance Redressal

In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Consumer Protection (E-Commerce) Rules, 2020:

Complaints are acknowledged within 48 hours and resolved within 30 days of receipt. If you are not satisfied, you may approach the appropriate consumer forum or authority under applicable law.

20. Contact Us

These terms should be read together with our Privacy Policy and Guidelines. In case of any inconsistency, these Terms & Conditions and the applicable plan documents prevail.