Privacy policy

Lakshya respects and protects the privacy of the individuals that access the information and use the services provided through them. Individually identifiable information about the User is not wilfully disclosed to any third party without first receiving the User’s permission, as covered in this Privacy Policy.


This Privacy Policy describes Lakshya’s treatment of personally identifiable information that Lakshya collects when User is on Lakshya’s website. Lakshya does not collect any unique information about the User (such as User’s name, email address, age, gender etc.) except when the User specifically and knowingly provides such information on the Website. Like any business interested in offering the highest quality of service to clients, Lakshya may, from time to time, send email and other communication to the User to tell them about the various services, features, functionality and content offered by Lakshya’s website or seek voluntary information from you.


  • Please be aware, however, that Lakshya will release specific personal information about the User if required to do so in the following circumstances:


  • In order to comply with any valid legal process such as a search warrant, statute, or court order, or


  • If any of User’s actions on Lakshya’s website violate the Terms of Service or any of Lakshya’s guidelines for specific services, or


  • To protect or defend Lakshya’s legal rights or property, the Lakshya site, or Lakshya Users; or


  • To investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the security, the integrity of Lakshya’s website/offerings.



Terms and Conditions for Online-Payments


The Terms and Conditions contained herein shall apply to any person (“User”) using the services of Lakshya for making fee payments through an online payment gateway service (“Service”) offered jointly by ICICI Bank Ltd. and Payment Gateway Service provider, through Lakshya’s website i.e., Each User is therefore deemed to have read and accepted these Terms and Conditions.


Limitation of Liability


  1. Lakshya has made this Service available to the User as a matter of convenience. Lakshya expressly disclaims any claim or liability arising out of the provision of this Service. The User agrees and acknowledges that he/ she shall be solely responsible for his/ her conduct and that Lakshya reserves the right to terminate the rights to use of the Service immediately without giving any prior notice thereof.


  1. Lakshya and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the Lakshya  and/or the Payment Service Providers, its employees, directors, and its third-party agents  involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary  arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Services


  1. Lakshya and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:



(I) the delay, failure, interruption, or corruption of any data or other information transmitted in connection with the use of the Payment Gateway or Services in connection thereto; and/ or

(ii)  any interruption or errors in the operation of the Payment Gateway.


  1. The User shall indemnify and hold harmless the Payment Service Provider(s) and Lakshya and their respective officers, directors, agents, and employees, from any claim or demand, or actions arising out of or in connection with the utilization of the Services.


  1. The User agrees that Lakshya or any of its employees will not be held liable by the User for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond Lakshya’s reasonable control.


Miscellaneous Conditions:


  1. Any waiver of any rights available to Lakshya under these Terms and Conditions shall not mean that those rights are automatically waived.


  1. The User agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that Lakshya or the Payment Service Provider(s) have no control over such matters.


  1. Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, Lakshya does not represent or guarantee that the use of the Services provided by/ through it will not result in theft and/or unauthorized use of data over the Internet.


  1. Lakshya, the Payment Service Provider(s) and its affiliates and associates shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the Website.


  1. The User may be required to create his/ her own User ID and Password in order to register and/ or use the Services provided by Lakshya on the Website. By accepting these Terms and Conditions the User aggress that his/ her User ID and Password are very important pieces of information and it shall be the User’s own responsibility to keep them secure and confidential. In furtherance hereof, the User agrees to;


    1. Choose a new password, whenever required for security reasons.


    1. Keep his/ her User ID & Password strictly confidential.


    1. Be responsible for any transactions made by User under such User ID and Password.


The User is hereby informed that Lakshya will never ask the User for the User’s password in an unsolicited phone call or in an unsolicited email. The User is hereby required to sign out of his/ her Lakshya account on the Website and close the web browser window when the transaction(s) have been completed. This is to ensure that others cannot access the User’s personal information and correspondence when the User happens to share a computer with someone else or is using a computer in a public place like a library or Internet café.


Debit/Credit Card, Bank Account Details


  1. The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.


  1. The User may pay his/ her fees to Lakshya by using a debit/credit card or through online banking account. The User warrants agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card/bank details:


  • The User is fully and lawfully entitled to use such credit/debit card, bank account for such transactions;


  • The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate;



  • The User is authorizing debit of the nominated card/ bank account for the payment of fees selected by such User along with the applicable Fees.

The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.


Personal Information


  1. The User agrees that, to the extent required or permitted by law, Lakshya and/ or the Payment Service Provider(s) may also collect, use and disclose personal information in connection with security-related or law enforcement investigations or in the course of cooperating with authorities or complying with legal requirements.


  1. The User agrees that any communication sent by the User via e-mail shall imply release of information therein/ therewith to Lakshya. The User agrees to be contacted via e-mail on such mails initiated by him/ her.


  1. In addition to the information already in the possession of Lakshya and/ or the Payment Service Provider(s), Lakshya may have collected similar information from the User in the past. By entering the Website, the User consents to the terms of Lakshya information privacy policy and to Lakshya continued use of previously collected information. By submitting the User’s personal information to Lakshya, the User will be treated as having given his/her permission for the processing of the User’s personal data as set out herein.


  1. The User acknowledges and agrees that his/ her information will be managed in accordance with the laws for the time in force.


Payment Gateway Disclaimer


The Service is provided in order to facilitate access to view and pay fees online. Lakshya or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/ her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.