Company Policies


  1. Non-disclosure of Data with 3rd Parties
  2. No-objection Certificate (NOC)
  3. Revision Policies
  4. Revocation of Approval
  5. Publication Process at Blue Hill Publications, Explained
  6. Royalty Calculations
  7. Management Powers and Responsibilities
  8. Inventory Policy
  9. Payment Policy
  10. Author Copies
  11. Author’s Sales Dashboard – PANORAMA
  12. Printing Policy
  13. Legal Policy

All these policies are binding on the author and the company. By signing the MOU, the author agrees to all these policies and to abide by them.

Non-disclosure of Data with 3rd Parties

We, Blue Hill Publications Pvt. Ltd., collect various kinds of data from our authors during the publication process. This includes, but is not limited to, the following: Name, Address, Email ID, Mobile Number, Bank Account Details (for Royalty Payments), Photograph, Manuscript, etc. The protection of this data is of utmost importance to us. For the printing process, we need to send the final typeset file of the manuscript along with the book cover as a pdf copy to the print.

Apart from this, we never share any data of our authors with any 3rd party. If a request is made for any of these data, we seek the consent of the author first and only when the consent is received, we can give it. This does not include legal requirements as we are bound by law to furnish data as requested by authorities through lawful means. We usually follow the “deny all” approach to those who seek the personal data of our authors. In short, no consent from the author, then non-disclosure of their data.

No-objection Certificate (NOC)

We provide quality services to our authors. The satisfaction of each and every one of our authors is of utmost importance to us. Sometimes, for some unavoidable or personal reasons, the author can’t continue with us, or they believe that they have found a better opportunity somewhere. We support our authors to excel at every opportunity that comes their way. This is the reason why we provide a no-objection certificate to any author who requests it, and that too free of charge, subject to our legal policy.

To request a No-objection certificate (NOC), the author has to file a request through email at

Revision Policies

We know that book is very special to the author. Though our work is of a high standard and very high quality, no one can meet the expectation of others at the first time. This is the reason why we offer a lenient revision policy. If offered unlimited revisions, the author’s work would never be complete. The project would just keep pending. To avoid this problem, we, like most other publication houses, limit revisions as per the package selected by our author. Our revision policy states that for the first a few revisions, the revision charge is waived, i.e. we provided a certain number of revisions to be absolutely free. However, this is limited to revisions only and not designing of the entire book afresh as this would surely incur additional charges. Also, refer to “Revocation of Approval” below in the next section for more details.

How many revisions are free as per packages?

  1. Starter: 3 free revisions
  2. Silver: 3 free revisions
  3. Gold: 3 free revisions
  4. Diamond: 5 free revisions
  5. Platinum: 8 free revisions
  6. Sapphire: 10 free revisions
  7. Emerald: 12 revisions

One revision means a list of changes and suggestions that are requested at once. This list might contain as many changes as the author desires. But even a single additional change submitted after the list has already been submitted will be considered a separate list for revision and charged accordingly.

After the free revisions, the additional revision charges are as follows:

Typesetting (charges after free revisions): Rs. 500/- + GST (every time for a list of changes or suggestions)

Book Cover (charges after free revisions): Rs, 500/- + GST (every time for a list of changes or suggestions)

eBook (charges after free revisions): Rs, 500/- + GST (every time for a list of changes or suggestions)

Re-drawing of whole Typeset file: Rs. 1100/- + GST

Re-drawing of whole Book Cover file: Rs. 1100/- + GST

Re-drawing of whole eBook file: Rs. 1100/- + GST

Revocation of Approval

After completing each component of the project, such as typesetting or book cover designing, we send the file for suggestions, changes and approval. The author, at this time, may provide suggestions or ask for changes or may approve the work.

Please note that once that particular work is approved, it is locked, and no further changes are allowed in this in the future. The author can’t withdraw his approval once it is given in writing through email or any written method. So, it is very important that the author should approve the work only after being fully satisfied with the work. However, if the situation so arises that the changes to the file are required by the author, the author may request so by paying a fee of Rs. 1000/- + GST. This is done to protect the sanctity of the publication process.

Publication Process at Blue Hill Publications, Explained

Here is how the publication work is done at Blue Hill Publications.

First, we send an MOU to the author, which the author has to sign and submit back to us. By doing so, he agrees to abide by all the conditions mentioned in the MOU. Here is how the publication work is done at Blue Hill Publications.

Second, after we receive the signed MOU, a project for the author is created in our database, and he is sent two emails. One is welcoming him to the Blue Hill Publications, and the other, seeking information and documents from the author relating to the publication process. This includes asking for the manuscript and submission of the manuscript.

The author may also initiate the process by making the payment first, and then we can draft the MOU and then the author may sign it.

At this stage, the author has to make part payment of 50% of the agreed amount in the MOU.

Thereafter, we start working on the project according to the package the author has selected.

Now, the ISBN is applied to the Government and in some time, it is allotted. The time taken for this is beyond our control.

If the author’s package includes “Editing and Proofreading”, it is sent to the editor. The time taken for this depends on many factors such as the length of the manuscript, the errors or mistakes in the manuscript, the previous workload, etc. If ‘editing and proofreading’ is not in the package, the file is sent to typesetting. Here a quick correction of the manuscript is done, and obvious and visible spelling mistakes are quickly corrected, and the book interior is designed. This interior designing of the book is called typesetting, and the file is known as a typeset file. Now, we send a pdf copy (digital copy) to the author for suggestions, changes or approval. If everything is alright and up to the expectations of the author, he may approve the typeset file. Once approved, the file would be locked, and no further changes would be allowed in the future, subject to “Revocation of Approval Policy“. However, he may get the typeset file revised as per our revision policy. The author must approve the file before we send it to print.

After the typeset file is approved, an e-book is created. This is done to maintain uniformity with the typeset file. Please note that the e-book is created separately from the typeset file. We may also send the e-book as a pdf copy to the author for review. He may give input on it. However, it’s completely at our discretion to incorporate changes in structure or not, as e-book criteria are quite different.

The book cover is designed by our professional designers. A general idea is taken from the author on what kind of book cover he wants. Thereafter, our designers work hard to bring that imagination to reality. Once designed, we send the book cover too for suggestions and approval. The author may approve the book cover. If approval is given, the book cover is locked, and no further changes are possible in the future subject to “Revocation of Approval Policy“. However, before approving the book cover, the author may get the book cover revised as per our revision policy.

When the typeset file and book cover are approved, the author has to pay the rest 50% amount. On making this payment, we send the book to print.

The book usually takes around 8-10 days to get printed and further 7-8 days for transportation to our warehouse.

Once we receive the printed copy of the book, we do a quality check and see if the books are up to our standard, and then we inform the author that we have received the book. Also, with this, we send the product video of the books so the author can see for themselves the quality of their books.

Meanwhile, the author also receives the author’s copy dispatched directly from our printing house after quality checks. However, in certain cases, we may dispatch the books instead of the printing house.

By mutual discussion, a date to launch the book is finalized. And thereafter, the book is launched.

This completes the publication process.

The royalty as generated is then paid to the author on a monthly basis.

Royalty Calculations

We pay 100% of the net royalty to the author. We don’t partake any share in the net royalty.


Amazon deducts around 15.25% (may vary sometimes) of the selling price, then gives 35% of whatever is left after the tax deduction as royalty, and this net royalty is paid to the author.


Amazon deducts around 15.25% (may vary sometimes) of the selling price, then gives 52% of whatever is left after the tax deduction as royalty, and this net royalty is paid to the author.


It is generally based on the following formula:

Net Royalty = Selling Price – {Production Cost + Distribution Cost + Packaging Cost}*

*GST as applicable

  • The Selling Price includes the shipping charges.
  • Production Cost includes the cost of printing one book and GST and freight charges on this one book.
  • Distribution Cost includes all the Amazon fees and similar fees if selling on different platforms.
  • The Packaging Cost is around Rs. 9/- for every book.

There are three methods through which a book can be distributed on Amazon- FBA, EasyShip and SelfShip. We offer any of the three as is decided by mutual discussion between the author and us.

In FBA, books are stored in an Amazon warehouse and shipped by them whenever an order is received. Charges are quite high in this method.

In EasyShip, we store the books at our warehouse and give the packed order to the Amazon agent for delivery.

In SelfShip, we store books at our warehouse, and we ourselves ship the order through any courier. Amazon takes no part in the delivery of orders under this mode.

Our preferred mode is EASYSHIP as explained hereunder:

Amazon charges referral fees, closing fees, etc. and additional GST on all the charges.

So, the referral fee for books as a percentage of the selling price is as under as of 28th Nov, 2023 :

  1. Referral fee for books (upto Rs. 300): 3%
  2. Referral fee for books (Rs. 301 to 500): 4.5%
  3. Referral fee for books (Rs. 501 to 1000): 9%
  4. Referral fee for books (more than Rs. 1000): 12.5%

The Closing fee varies similarly.

Amazon charges three types of shipping charges under Easyship as the order is local, regional or national. This shipping charge is based on many factors such as the selling price of the book, the weight of the book, the order type, i.e. local, regional or national, etc.

So, the Net Royalty would be equal to Net Earning (Selling Price – All Amazon Fees including taxes) from Amazon – [Unit production cost of the book (Printing Cost including GST and freight charges per book) + Packaging Cost]

Net Royalty = Net Earning from Amazon – [Unit production cost of book + Packaging Cost]

This net royalty is then paid 100% to the author. Blue Hill Publications Pvt. Ltd. does not take any part in this earning.

The royalty is paid monthly.


KDP offers a fixed royalty rate (60%) on paperbacks that are sold on Amazon marketplaces, where KDP supports the distribution of paperbacks. So, the royalty would be 60% of the list price (selling price) minus printing cost (varies as per the number of pages, the type of ink used, the marketplace on which it was sold, etc.).


Net Royalty on Amazon KDP = (60% of Selling Price (list price))- Printing cost

Net Royalty on Amazon KDP = (60/100 x Selling Price (list price))- Printing cost

Net Royalty on Amazon KDP = (0.6 x Selling Price (list price))- Printing cost

If Expanded Distribution is enabled, then Royalty would be like this:

Net Royalty on Amazon KDP = (40% of Selling Price (list price))- Printing cost

Net Royalty on Amazon KDP = (40/100 x Selling Price (list price))- Printing cost

Net Royalty on Amazon KDP = (0.4 x Selling Price (list price))- Printing cost


Here we are providing a sample royalty calculation of a book with a selling price of Rs. 299 (including shipping charges)(based on old referral fee; referral fees are regularly updated by Amazon):

So, on Amazon, we would be shipping books using the “Easy Ship” method.

Here is how the fees of Amazon will be calculated:

Referral fee of Amazon: 4% of the Selling price= Rs. 11.96/-

Closing fee of Amazon: Rs. 10.5/-(May vary if the customer is a prime member)

Amazon shipping fee varies if the order is local, regional or national. Here is the detailed analysis of your earnings divided into three sections order-wise, i.e. local, regional and national order.

Amazon shipping fee(Local): Rs. 52/-

Total Amazon Service Fees(incl of GST)(if Local): Rs. 78.5/-

Amazon shipping fee(Regional): Rs. 63/-

Total Amazon Service Fees(incl of GST)(if Regional): Rs. 89.5/-

Amazon shipping fee(National): Rs. 88/-

Total Amazon Service Fees(incl of GST)(if National): Rs. 114.5/-

Total Earning:

Total Earning from Amazon(if Local): Rs. 299-78.5= Rs. 220.5/-

Total Earning from Amazon(if Regional): Rs. 299-89.5= Rs. 209.5/-

Total Earning from Amazon(if National): Rs. 299-114.5= Rs. 184.5/-

Now, as we now know the total earnings from Amazon, we have to deduct the unit printing cost and packaging cost from each of them. Let us assume the unit printing cost of your book is Rs. 63/- per copy (incl of GST and Freight charges), and the packaging cost is Rs. 9/-. So, we have to deduct Rs. 72/- (Rs. 63/- + Rs. 9/-).


Net Royalty (if Local)= Rs. 220.5-72= Rs. 148.5/-
Net Royalty (if Regional)= Rs. 209.5-72= Rs. 137.5/-
Net Royalty (if National)= Rs. 184.5-72= Rs. 112.5/-

Management Powers and Responsibilities

The management sees the overall performance of the company and every employee.

Management has a wide variety of powers which includes, but is not limited to, the following:

  • Creating projects.
  • Terminating projects.
  • Refund decision after the refund period is over.
  • Decision to issue No-objection Certificate (NOC).
  • Waiving of any or all charges, fees, etc., as decided on a case-by-case basis. This can’t be claimed as a matter of right.
  • Waiving the requirement of advance 50% payment.
  • Allowing authors to pay in instalments.
  • To intervene when there is unnecessary delay.
  • To oversee the overall quality of works and books.
  • To approve the discount request on a case-to-case basis.
  • To update our packages and subsequent pricing.
  • Decision to amend any or all policies of Blue Hill Publications Pvt. Ltd.
  • To decide on all legal matters concerning the company.
  • To handle complaints regarding all works, books, and employees.
  • All other important and policy matters.

Inventory Policy

When a book is sent to print, the first batch that we print is a “trial batch”. As it is not possible to estimate with certainty the number of books that will be sold, we print a limited number of books and stock them in our inventory which is located in Patna, Bihar. Our books are printed in Karnataka and then transported to our warehouse in Patna, by surface or by air, as the case may be. The time taken for a book to get printed is 8-10 days, and then around 7-8 days for transportation to our warehouse (if transported by surface) or 3-4 days (if transported by air).

Transportation by air is costlier than transportation by surface. By default, we get our books transported through the surface. However, the author may request that his book be transported by air if he is willing to bear the extra transportation cost, which gets distributed to each book’s printing cost. This timeline is subject to change as there are many factors that affect transportation, such as rainfall, floods, strikes, etc.

After evaluating the sales performance of a book, we make the decision to get more books printed and then we immediately place an order for additional books by judging the demand. The book is then re-printed and transported to our warehouse, which takes a total of around 15-18 days (including printing time and transportation time).

If the book is performing really well, then it would go out of stock. As soon as we receive the books at our warehouse and we confirm the quality of the books, we immediately update our inventory online, and the book is again available for purchase within 5-10 minutes. The time taken for re-stocking is beyond our control, and we try our best to not let any book go “Out of Stock”. But, sometimes, even after the best of our efforts, we can’t prevent this. But to remedy the situation, we try our best. The book is usually re-stocked before it goes out of stock. And, if it has gone “Out of Stock”, it is re-stocked as soon as possible.

As we don’t put a limit on the maximum number of books per order, sometimes, some people may order many books at once (bulk order), and in this case, the book goes “Out of Stock” very fast. As we try our best to keep books always in stock, we cannot be held liable if the book ever goes “Out of Stock”. The author should know this situation and should not put the blame on the company. Repeated requests to stock it sooner cannot be entertained as we are already doing what is necessary to re-stock the book.

We promise to do our best to re-stock the books at the earliest possible. However, if the author, in his own wisdom, estimates that his book will perform much better, he may request that we keep a certain number of his book in our inventory as a “trial batch”. But in this case, the author needs to bear the cost of additional printed books in our inventory.

Purging/Removal/Destruction of books in our inventory:

We reserve the right to purge/remove/destroy any number of books in our inventory, belonging to any author, whether paid by us or by the author, or whether the author has taken NOC or not, or under any condition that we deem fit, which includes, but are not limited to, the following:
1. Author has taken NOC from us.
2. Author has decided to not take the printed books from us by paying the printing and transportation cost or transportation cost only if the whole printing cost was earlier borne by the author. If the author fails to reply to our email informing him/her of such purging/destruction/removal within 72 hours, or if he/she replies that he/she does not want the books, or he/she is undecided in his/her decision, then it will amount to his refusal or undesirability to take the books and we would be free to purge/remove/destroy the inventory.
3. The MOU/Agreement has been terminated by us or by the author.

We will not be liable to pay any amount whatsoever, or provide any number of books, under any condition, in event of purging/removal/destruction of book.

Payment Policy

When an author signs the MOU, he agrees to pay the amount mentioned in the MOU itself. The author needs to pay 50% of the agreed amount as advance payment within 72 hours of receiving the first invoice, and the remaining 50% can be paid any time before we send the book to print.

The author needs to clear all his dues, i.e. make 100% of the payment, before his book can be sent to print. Under no circumstances, his book can be sent to print if 100% payment has not been made by the author. If no payment is received within seven days of receiving the first invoice, his project is subject to be put on hold until the payment is made.

When an invoice is generated and sent to the author, asking for payment, it is expected that he makes the payment within the stipulated timeline. In the event he fails to make the payment within the stipulated timeline, he is either supposed to inform the company with a valid reason for this failure or seek an extension for the payment, failing which may put his project on hold at the company’s discretion.

Payment Collection Methods: The author may make the payment through various modes. We use the following methods to collect payments:

  • Direct transfer to our official bank account (IMPS/NEFT methods can be used.)
  • UPI payments to our official UPI ID (BHIM/Google Pay/Paytm/Mobikwik or any other app that supports UPI payment)
  • Payment Gateway – Payment through a secure link (can be used for domestic as well as international payments)(Additional Gateway charges are applicable.)

For domestic payment through the payment gateway link, a charge of 2%(on the total amount payable) + 18% GST(on this 2% amount) is applicable. For example, if the total payable amount is Rs. 1000/-, then for domestic payment, the gateway charge would be 2% of Rs. 1000/- i.e. Rs. 20/- and then GST on this Rs. 20/- i.e. Rs. 3.6/-, so the total gateway charge, in this case, would be Rs. 23.6/- only. So, the total amount payable would become Rs. 1023.6/-.

Likewise, for international payment through the payment gateway link, a charge of 10% on the total amount payable, is applicable. For example, if the total payable amount is Rs. 1000/-, then for international payment, the gateway charge would be 10% of Rs. 1000/- i.e. Rs. 100/- . The total gateway charge, in this case, would be Rs. 100/- only. So, the total amount payable would become Rs. 1100/-.

Author Copies

In every package, the authors are provided with a certain number of complimentary (free) author copies. The number of free author copies provided differs from package to package. If the free author copies are to be shipped within India, then the shipping charges are completely borne by the company. However, if these are to be shipped outside of India to any country, the author needs to bear only the shipping charges as are applicable. This is because, most times, the shipping charges of author copies are too high when compared to the package selected by the author. For example, if the author resides in the USA and selects the “Starter Package”, then the shipping charges would far exceed the whole package cost. In case the author refuses to pay the shipping charges for delivery outside India, the author copies would not be sent until such payment of shipping charges is made.

Additional copies: The author may order any number of copies/books from us (subject to a minimum quantity of 20 or 30 – to be decided by us at the time of order), which we shall provide at a highly subsidized cost.

Author’s Sales Dashboard – PANORAMA

We at Blue Hill Publications provide our authors with an author’s sales dashboard entitled Panorama. By using the Panorama, the author agrees to all these company policies, especially this specific policy.

After or before the launch of the book, the login credentials are provided to the author. The author may use these login credentials to log in ( and check out the data related to his/her book(s). 

The salient features of Panorama are listed here:

1. Track all your sales in one place.

2. Get sales notification via email every time a sale is recorded

3. Detailed report of every sale via email.

4. Sales are recorded within 24 hours of the sale.

5. Sales history available – date-wise, platform-wise, title-wise, etc.

6. Download sales history in pdf with just a simple click on the “Export to PDF” button.

7. See total lifetime earning, last date of sale and unpaid royalty.

8. Check all payout history and also download by clicking on the “Export to PDF” button.

9. See all your book(s) listed

10. Check accurate royalty values for your book(s)

11. Customise your profile.

We feed the sales data within 24 hours of the sale. However, in certain situations and because of some reasons, this might take longer than that. We will not be liable for any such delays.

Sometimes, a book is returned/rejected by the buyer, or the order is cancelled. In these kinds of cases, we reserve the right to update the sales data as need be. The updated data then will be available in the author’s sales dashboard.

The PDF generated of Sales and Payout history is for reference only, and it will in no way create any right or claim upon us, as sometimes, because of software or human error, a mistake might happen in feeding data. We reserve the right to update the wrong data if need be.

As all necessary data related to sales, royalty, total lifetime earning, etc., are available under a single dashboard, no request whatsoever will be ever entertained for sales data in different formats or structures. To put it simply, we will never provide any sales data in excel or other formats. The sales data is available table-wise and is also downloadable in PDF form.

If you want to know how royalty for your book is calculated, refer here: Royalty Calculations.

We reserve the right to forbid any author from logging in to the author’s dashboard at any time.

We reserve the right to reset the password for the author if requested by the author himself/herself.

We also reserve the right to show advertisements or messages in the author’s sales dashboard.

We reserve the right to suspend this service/system temporarily or permanently for any reason.

Royalty is paid on a monthly basis.

Printing Policy:

We print a certain number of books for each author. We cover the printing cost as part of the package. However, this cover extends only to a maximum of Rs. 90/- (incl GST and transportation) per unit (book). The printing cost depends upon many factors such as the number of pages in a book, number of colour images (if any) in the book, the type of paper used in printing, the type of lamination used in printing, the rate of paper at the time of sending the book to print and several other reasons. If the printing cost of the book exceeds Rs. 90/- per unit (book), then the author will pay the additional costs. This is done as we have obvious budget constraints. This is only applicable for Starter, Silver and Gold Packages. For Diamond, Platinum, Sapphire and Emerald packages, we cover printing cost up to Rs. 140/- per unit (book).

Let us see two examples to better understand this:

Example 1: Suppose, if the printing cost of a book comes out to be Rs. 89/- per unit (incl GST and transportation). As the printing cost is less than Rs. 90/-, the author will need not pay any extra cost for this.

Example 2: Suppose, if the printing cost of a book comes out to be Rs. 97/- per unit (incl GST and transportation). Then, our coverage would extend to Rs. 90/- per unit only, and the extra Rs. 7 (Rs. 97-90 = Rs. 7) per book will be borne by the author. So, in this case, if we print 30 copies, the printing cost would be Rs. 97 x 30 = Rs. 2910. But, we would be covering Rs. 90 x 30 = Rs. 2700. Therefore, the extra cost of Rs. 210/- (Rs. 2910-2700) would be borne by the author.

When people interact with each other, differences and disputes are bound to occur. We follow a very lenient policy with our authors and try to adhere to most of their requests. We try our best to handle and resolve issues as amicably and as quickly as possible. But some disputes are beyond solution without legal help. So, we have a legal team who sees these issues.

All our policies, legal matters, etc., are dealt with by this legal team who works under direct contact with the Management. The legal team has power over all of our employees and projects. When an issue or dispute occurs, we try our best to resolve it through negotiations, requests and compromise. But, if it persists over time and we find it difficult to resolve, it is forwarded to the legal team along with all history, logs, etc. Once this is done, the legal team assumes complete control over that, and it will be the only department dealing with that. This action can’t be reversed.

Once a dispute is transferred to the legal team, all future actions and decisions concerning this will be taken by the legal team only, and no one has any say in this. The validity of MOU and NOC and the delivery of source files are explained below.

Validity of MOU: The MOU needs to be signed within seven days to be valid, post which the MOU would be invalid. This means that the author is supposed to sign the MOU within seven days of receiving the MOU through email, or other means, as the case may be. If the author signs the MOU after completion of 7 days, the MOU would be null, void and invalid. However, we may allow MOU to be valid even after 7 days period is over. It will be on our discretion only.

Source Files: The source files will be provided with NOC subject to the condition that all dues (100%) are cleared. If payment is due or the account is not settled, or if the account is settled at the condition that the author is not willing to pay the remaining amount, then no NOC will be issued, and no source file will be provided.

Publication Rights: All rights, including the copyright of the submitted work, remains with the author. He/she will be solely responsible for it for all legal purposes. But for the purpose of publication of the work, the author grants us non-exclusive publication and distribution rights. We may distribute the books in any manner we deem fit so as to increase the sales of the books and to generate the royalty for the author. Though we always sell books at a selling price decided by the author himself/herself, we may sell the book at any price as long as a positive net royalty is being generated for the author if certain situations demand it. However, the net royalty payable to the author will be 100%. The author may revoke this right by sending a written notice/email to The right would end after 15 days of acknowledging the receipt of the email. It may end earlier than 15 days if we send a confirmation email regarding this. All sales done, all publication and distribution works, etc., carried on before termination of rights will remain totally valid and legal. If some third party is distributing/selling the books published by us, and if we had asked them to distribute/sell the books, then upon request from the author, we will ask them to stop selling the book. The time taken for this would depend upon their procedure and schedule. 

Update of policies: We reserve the right to revise these policies at will, without any prior notice. If and when the policies are revised, they will be communicated to everyone through our website only. The revised policies will be binding on the author and us. If the author is not willing to accept the revised policies, he/she may inform us through email of his unwillingness to accept the updated policies within 72 hours of the update of the policy and request NOC for removal of his book from our publication house. No email of objection to updated policies from the author within this time would be regarded as his/her acceptance of the updated policies.

All disputes will be subject to Patna Court Jurisdiction only.

Policies Last Updated: 17th Feb, 2024 at 01:00 PM (IST)