Terms & Conditions
Effective: January 1, 2020.
Thank you for using Study River!
Using Study River
Who May Use our Services
You may use our Services only if you can form a binding contract with Study River Educational Services (Pvt) Ltd., and only in compliance with these Terms and all applicable laws. When you create your Study River account, and subsequently when you use certain features, you must provide us with accurate and complete information, and you agree to update your information to keep it accurate and complete. Any use or access by anyone under the age of 13 Is prohibited, and certain regions and Content Offerings may have additional requirements and/or restrictions.
Our License to You
Subject to these Terms and our policies (including the Acceptable Use Policy, Honor Code, and course-specific eligibility requirements, and other terms), we grant you a limited, personal, non-exclusive, non-transferable, and revocable license to use our Services. You may watch our content from our Services only for your personal, non-commercial use unless you obtain Study River’s written permission to otherwise use the content. You also agree that you will create, access, and/or use only one user account, unless expressly permitted by Study River, and you will not share with any third party access to or access information for your account. Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access.
Changes to Content Offerings
Study River offers courses and content (“Content Offerings”) from other providers (“Content Providers”) along with its own courses and content. While we seek to provide world-class Content Offerings, unexpected events do occur. Study River reserves the right to cancel, interrupt, reschedule, or modify any Content Offerings, or change the point value or weight of any assignment, quiz, or other assessment. Content Offerings are subject to the Disclaimers and Limitation of Liability sections below.
No Academic Credit
Unless otherwise explicitly indicated by a credit-granting institution, participation in or completion of Content Offering does not confer any academic credit. Even if credit is awarded by one institution, there is no presumption that other institutions will accept that credit. You agree not to accept credit for completing a Content Offerings unless you have earned a Course Certificate or other equivalent documentation of your completion of the Content Offerings. Study River, instructors, and the associated Content Providers have no obligation to have Content Offerings recognized by any educational institution or accreditation organization.
The Services enable you to share your content, such as homework, quizzes, exams, other assignments you submit, posts you make in the
forums, and the like (“User Content), with Study River, instructors, and/or other users. You retain all intellectual property rights in and are responsible for, the User Content you share. User Content does not include course content or other materials made available on or placed on to the Study River platform by or on behalf of Study River’s Content Providers or their instructors using the Services, the Content Offerings; as between Study River and its Content Providers, such Content Offerings are governed by the relevant agreements in place between Study River and its Content Providers.
How Study River and Others May Use User Content
To the extent that you provide User Content, you grant Study River a fully-transferable, royalty-free, perpetual, sublicensable, non-exclusive, worldwide license to copy, distribute, modify, create derivative works based on, publicly perform, publicly display, and otherwise use the User Content. This license includes granting Study River the right to authorize Partners to use User Content with their registered students, on-campus learners, or other learners independent of the Services. Nothing in these Terms shall restrict other legal rights Study River may have to User Content, for example under other licenses. We reserve the right to remove or modify User Content for any reason, including User Content that we believe violates these Terms.
We welcome your suggestions, ideas, comments, and other feedback regarding the Services (“Feedback,. By submitting any Feedback, you grant us the right to use the Feedback without any restriction or any compensation to you. By accepting your Feedback, Study River does not waive any rights to use similar or related Feedback previously known to Study River, developed by its employees or contractors, or obtained from other sources.
We care about the security of our users. While we work to protect the security of your account and related information, Study River cannot guarantee that unauthorized third parties will not be able to defeat our security measures Please notify us immediately of any compromise or unauthorized use of your account by emailing at email@example.com.
Through the Services, you will have the ability to access and/or use content provided by instructors, other users, and/or other third parties and links to websites and services maintained by third parties. Study River cannot guarantee that such third party content, in the Services or elsewhere, will be free of material you may find objectionable or otherwise inappropriate or of malware or other contaminants that may harm your computer, mobile device, or any files therein. Study River disclaims any responsibility or liability related to your access or use of, or inability to access and use, such as third party content.
Copyright and Trademark Policy
Study River respects the intellectual property rights of our users, Content Providers, and other third parties and expects our users to do the same when using the Services. We have adopted and implemented the Study River Copyright and Trademark Policy in accordance with applicable law, including the Intellectual Property laws of Pakistan including the copyright laws, patent laws and trademark laws.
Paid Services from Study River
Study River offers paid Services for a fee and some of the material for free. Unless otherwise stated, all fees are quoted in PKR. You are responsible for paying all fees charged by or for Study River and applicable taxes in a timely manner with a payment mechanism associated with the applicable paid Services. If your payment method fails or your account is past due, we may collect fees using other collection mechanisms. Fees may vary based on content and other factors, and Study River reserves the right to change any fees at any time at its sole discretion. Any change, update, or modification will be effective immediately upon posting through the relevant Services. The Services may allow you to enroll in courses offered on the Study River platform. Study River serves as the education provider of these courses and determines completion policies and requirements. Nothing in these Terms shall restrict the applicability to you of any policies established in connection with these courses and content (e.g., student codes of conduct); such policies shall supplement these Terms and to the extent there is a conflict between such policies and these Terms, as, between you and Study River, Study River’s policies shall govern.
Modifying and Terminating our Services
We are constantly changing and improving our Services. We may add or remove courses, content, functions, features, or requirements, and we may suspend or stop part of our Services altogether. Accordingly, Study River may terminate your use of any Service for any reason. If your use of a paid Service is terminated, a refund may be available under our Refund Policy. We may not be able to deliver the Services to certain regions or countries for various reasons, including due to applicable requirements or internet access limitations and restrictions from governments. None of Study River, its Content Providers and instructors, its contributors, sponsors, and other business partners, and their employees, contractors, and other agents (the “Study River Parties”) shall have any liability to you for any such action. You can stop using our Services at any time, although we’ll be sorry to see you go.
THE SERVICES AND ALL INCLUDED CONTENT ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. THE STUDY RIVER SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. THE STUDY RIVER FURTHER DISCLAIMS ANY AND ALL LIABILITY RELATED TO YOUR ACCESS OR USE OF THE SERVICES OR ANY RELATED CONTENT. YOU ACKNOWLEDGE AND AGREE THAT ANY ACCESS TO OR USE OF THE SERVICES OR SUCH CONTENT IS AT YOUR OWN RISK.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE STUDY RIVER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL SPECIAL CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY PARTY OTHER THAN STUDY RIVER, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR CONTENT OR INFORMATION. IN NO EVENT SHALL STUDY RIVER’S AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED THE TOTAL AMOUNT OF FEES RECEIVED BY STUDY RIVER FROM YOU FOR THE SERVICES/GOODS.
YOU AGREE THAT ANY CAUSE OF ACTION RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
You agree to indemnify, defend, and hold harmless the Study River from any and all claims, liabilities, expenses, and damages, including reasonable attorneys’ fees and costs, made by any third party related to: (a) your use or attempted use of the Services in violation of these Terms; (b) your violation of any law or rights of any third party; or (c) User Content, including without limitation any claim of infringement or misappropriation of intellectual property or other proprietary rights.
Governing Law and Jurisdiction
The Services are managed by Study River, which is located 264-A Faisal Town, Lahore, Punjab, 54000. You agree that any dispute related to these Terms will be governed by the laws of Pakistan. You further consent to the personal jurisdiction of and exclusive venue in courts located and serving in Lahore, Punjab as the legal forum for any such dispute.
Excluding claims for injunctive or other equitable relief, for claims related to the Services where the total amount sought is less than one hundred thousand PKR (100,000PKR) either you or Study River may elect at any point during the dispute to resolve the claim through binding non-appearance-based arbitration. The dispute will then be resolved using an established alternative dispute resolution (“ADR”) provider, mutually agreed upon by you and Study River. The parties and the selected ADR provider shall not involve any personal appearance by the parties or witnesses, unless otherwise mutually agreed by the parties; rather, the arbitration shall be conducted, at the option of the party seeking relief, online, by telephone, or via written submissions alone. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.
Revisions to the Terms
We, Study River, reserve the right to revise the Terms at our sole discretion at any time. Any revisions to the Terms will be effective immediately upon posting by us. For any material changes to the Terms, we will take reasonable steps to notify you of such changes, via a banner on the website, email notification, another method, or combination of methods. In all cases, your continued use of the Services after publication of such changes, with or without notification, constitutes binding acceptance of the revised Terms.
If it turns out that a particular provision of these Terms is not enforceable, this will not affect any other terms. If you do not comply with these Terms, and we do not take immediate action, this does not indicate that we relinquish any rights that we may have (such as taking action in the future).
Study Rivers Content Providers and integrated services providers are third party beneficiaries of the Terms and may enforce those provisions of the Terms that relate to them.
Acceptable Use Policy
Effective: January 1, 2020
Study River’s mission is to provide universal access to the world best education. We believe strongly in preserving free speech and expression for our users as well as academic freedom for our Content Providers and instructors. We also want to make sure that all of our users and instructors feel safe and comfortable while using our Services. We have drafted this Policy to ensure that people understand and follow the rules when participating in our online community and otherwise using our Services.
We may remove or edit inappropriate content or activity identified by or reported to us or suspend, disable, or terminate a user’s access to all or part of the Services.
You are prohibited from using our Services to share content that:
- Contains illegal content or promotes illegal activities with the intent to commit such activities.
- Contains credible threats or organizes acts of real-world violence. We don’t allow content that creates a genuine risk of physical injury or property damage, credibly threatens people or public safety, or organizes or encourages harm.
- Harasses others. We encourage commentary about people and matters of public interest, but abusive or otherwise inappropriate content directed at private individuals is not allowed.
- Violates intellectual property, privacy, or other rights. Do not share content that you do not have the right to share, claim content that you did not create as your own, or otherwise infringe or misappropriate someone else’s intellectual property or other rights. Always attribute materials used or quoted by you to the original copyright owner.
- Spams others. Do not share irrelevant or inappropriate advertising, promotional, or solicitation content.
You also aren’t allowed to:
- Do anything that violates local, state, national, or international law or breaches any of your contractual obligations or fiduciary duties.
- Share your password, let anyone access your account, or do anything that might put your account at
- Attempt to access any other users account.
- Reproduce, transfer, sell, resell, or otherwise misuse any content from our Services, unless specifically authorized to do so.
- Access, tamper with or use non-public areas of our systems unless specifically authorized to do so.
- Break or circumvent our authentication or security measures or otherwise test the vulnerability of our systems or networks, unless specifically authorized to do so.
- Try to reverse engineer any portion of our Services.
- Try to interfere with any user, host, or network, for example by sending a virus, overloading, spamming, or mail-bombing.
- Use our Services to distribute malware.
- Use our Services or any functionality of the Study River platform for anything other than for completing online courses or for pedagogical purposes.
- Impersonate or misrepresent your affiliation with any person or entity.
- Encourage or help anyone do any of the things on this list.
Copyright and Trademark Policy
Effective as of January 1, 2020.
Study River respects the intellectual property rights of our Content Providers, instructors, and other third parties and expects our users to do the same when using the Services. We reserve the right to suspend, disable, or terminate the accounts of users who repeatedly infringe or are repeatedly charged with infringing the copyrights, trademarks, or other intellectual property rights of others.
The Intellectual Property Laws of Pakistan provide recourse for copyright owners who believe that material appearing on the Internet infringes their rights under copyright law.
If you believe in good faith that materials on the Services infringe your copyright, the IPO Laws provide that you (or your agent) may send us a notice requesting that the material be removed or access to it blocked.
The notice must include the following information:
- the physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
- identification of the copyrighted work claimed to have been infringed (or, if multiple copyrighted works located on the Services are covered by a single notification, a representative list of such works);
- identification of the material that is claimed to be infringing or the subject of infringing activity, and information reasonably sufficient to allow Study River to locate the material on the Services;
- the name, address telephone number, and email address (if available) of the complaining party;
- a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
- a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Notices must meet the then-current statutory requirements imposed by the IPO Laws. Notices and counter-notices with respect to the Services can either be sent:
- via mail: 264-A Faisal Town, Lahore, Punjab 54000
- via email: firstname.lastname@example.org
We suggest that you consult your legal advisor before filing a notice. Also, be aware that there can be penalties for false claims under the intellectual property laws.
Study River also respects the trademark rights of others. Accounts with any other content that misleads other or violates another’s trademark may be updated, suspended, disabled, or terminated by Study River in its sole discretion. If you are concerned that someone may be using your trademark in an infringing way on our Services, please email us at email@example.com
and we will review your complaint. If we deem appropriate, we may remove the offending content, warn the individual who posted the content, and/or temporarily or permanently suspend or disable the individual–Sets account.
Effective as of Jan 1, 2020.
For CSS Bundle Subscription
CSS Bundle contains CSS papers preparation courses for CSS Exam. Study River does not offer refunds for payments made on a CSS Bundle Subscription.
Your subscription will continue on a CSS Bundle Subscription unless and until you cancel or the subscription or it is suspended or discontinued by Study River. For subscriptions to CSS Bundle, Study River will automatically discontinue your subscription at the end of the specified period during which you complete your courses.
For PMS Bundle Subscription
PMS Bundle contains PMS papers preparation courses for PMS Exam. Study River does not offer refunds for payments made on a PMS Bundle Subscription.
Your subscription will continue on a PMS Bundle Subscription unless and until you cancel or the subscription or it is suspended or discontinued by Study River. For subscriptions to CSS Bundle, Study River will automatically discontinue your subscription at the end of the specified period during which you complete your courses.
For Public Service Commission Test Based Subscription
Test Based Bundle contains Test Based papers–SC/ preparation courses for Public Service Commission Tests. Study River does not offer refunds for payments made on a Test Based Bundle Subscription.
Your subscription will continue on a Test Based Bundle Subscription unless and until you cancel or the subscription or it is suspended or discontinued by Study River. For subscriptions to CSS Bundle, Study River will automatically discontinue your subscription at the end of the specified period during which you complete your courses.
For Single Course Subscription
Study River does not offer refunds for payments made on a Single Course Subscription.
Your subscription will continue on a Single Course Subscription unless and until you cancel or the subscription or it is suspended or discontinued by Study River. For subscriptions to Single Course, Study River will automatically discontinue your subscription at the end of the specified period during which you complete your courses.
For Other Paid Services
Except as described in this Refund Policy or as explicitly stated as part of the sign-up process for a Service, Study River has no obligation to provide refunds or vouchers for any other Services like Mock Assessment, Model Papers, Quizzes, Consultations, and
For Books and Physical Material Services
There are a few important things to keep in mind when returning a product you have purchased from Study River Online Store: Please ensure that the item you are returning is repacked with the original invoice/receipt.
We will only exchange any product(s), if the product(s) received has any kind of defect or if the wrong product has been delivered to you. Contact us by emailing us images of the defected product at firstname.lastname@example.org or calling us at 0300-1212-345 (Mon to Fri 9am-Spm and Sat 9am-2pm) within 24 Hours from the date you received your order. Please note that the product must be unused with the price tag attached. Once our team has reviewed the defected product, an exchange will be offered for the same amount.
You may cancel your order any time before the order is processed by calling us at 0300-1212-345 during Mon-Fri (9am-5pm) and on Sat (9am2pm).
Once the order is shipped, you will receive the shipping confirmation via email that contains the tracking information. The Return and Exchange Policy will apply once the product is shipped.
Liberty Books Online Store may cancel orders for any reason Common reasons may include: The item is out of stock, pricing errors* or credit card payment is declined by the issuing financial institution.
We are not offering refund in any case.
*Price is subject to change with or without notice.
Effective as of January 1, 2020
All students participating in the class must agree to abide by the following code:
- I will register for only one account, unless expressly permitted to register for additional accounts by Study River.
- My answers to homework, quizzes, exams, mock assessment, and other assignments will be my own work (except for assignments that explicitly permit collaboration).
- I will not make solutions to homework, quizzes, exams, mock assessment, and other assignments available to anyone else (except to the extent an assignment explicitly permits sharing solutions). This includes both solutions written by me, as well as any solutions provided by the course staff or others.
- I will not engage in any other activities that will dishonestly improve my results or dishonestly improve or hurt the results of others.