Welcome to ApplyAZ. These Terms of Use (the Terms) govern your access to and use of the ApplyAZ platform, including www.applyaz.com, go.applyaz.com, and any other ApplyAZ-owned or operated websites, subdomains, dashboards, portals, APIs, and mobile interfaces (collectively, the Platform).

By accessing the Platform, clicking Accept, creating an account, completing any form, uploading documents, communicating with us, making a payment, or otherwise using the Platform, you enter into a binding agreement with ApplyAZ Inc. (ApplyAZ, we, us, our).

If you do not accept these Terms, do not use the Platform.

1) Other Documents and Order of Priority

These Terms incorporate:

• our Privacy Policy (posted on our website and updated from time to time), and
• any role-specific addendum, extension, schedule, or panel terms you accept in the Platform (each, an Addendum).

If there is a conflict:

1. an Addendum controls for its subject matter,
2. then these Terms,
3. then the Privacy Policy (for privacy matters).

2) Definitions

ApplyAZ Fees means amounts charged by ApplyAZ for services.

Third-Party Fees means amounts charged by third parties (for example, university application fees, exam fees, courier fees, translators, insurance, appointment systems, and government fees), whether paid directly by you or collected and remitted by us.

Student means a user applying, exploring programs, or requesting application-related services.

Partner means a counselor, recruitment partner, ambassador, influencer, or institution accessing a role-specific panel.

Milestone means a defined step of services. A fee may be tied to a Milestone.

First Process Fee means the first ApplyAZ service fee you pay in a specific service flow shown in the Platform (for example, an initial enrollment or first-stage service fee).

Aligned Program means a program that, in ApplyAZ’s reasonable assessment based on official published entry requirements and the information you provided, is within your degree level and academic discipline eligibility, including stated prerequisites.

Work Product means any operational output created or used by ApplyAZ in providing services, including internal checklists, submissions logic, templates, drafting structures, scoring frameworks, QC notes, reviewer notes, program shortlists, portal configurations, workflows, training materials, and process documentation. Work Product may include non-personal information and ApplyAZ know-how.

Scholarship Benefit means any financial benefit or monetary assistance secured through a scholarship, grant, fee waiver, stipend, tuition reduction, or similar program, including a partial award.

3) What ApplyAZ Is and Is Not

ApplyAZ provides a technology-enabled workflow platform and administrative coordination services.

ApplyAZ is not a university, scholarship body, embassy, consulate, exam provider, scholarship committee, or government authority. ApplyAZ is not a law firm or licensed immigration practice, and does not provide legal advice.

Admissions, scholarships, tuition waivers, housing, interviews, exams, visas, permits, and outcomes are determined by third parties. ApplyAZ does not control third-party criteria, portal availability, quotas, rule changes, timelines, decisions, or outcomes.

ApplyAZ does not take exams on your behalf, cannot influence exam scoring, cannot influence interview outcomes, and cannot create outcomes that are not supported by your academic profile and third-party rules.

4) Eligibility to Use the Platform

You confirm that:

• you are the age of majority where you live,
• you have legal capacity to enter into a binding contract,
• information you provide is true, accurate, current, and complete, and
• if you act for an entity or another person, you are authorized to bind them.

5) Account Registration and Security

To use most Platform features, you must create an account and maintain accurate profile information.

You are responsible for safeguarding your login credentials and all activity under your account, whether or not authorized by you. Notify us promptly if you suspect unauthorized access.

We may require additional verification, updates, or re-checks at any time. If you do not cooperate, or if information appears inconsistent, inaccurate, incomplete, misleading, or non-authentic, we may pause or terminate processing, suspend access, close your account, and/or refuse further service.

6) Platform License

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your permitted use of Platform features and services.

You may not copy, reverse engineer, resell, sublicense, distribute, or exploit the Platform or Content except as expressly permitted by us in writing.

7) Your Responsibilities

You agree to:

• provide authentic, complete, and accurate documents and information,
• keep your information updated,
• follow third-party requirements, deadlines, portal rules, and payment instructions,
• review forms and submissions when review is provided,
• maintain your own backups of all documents and files, and
• comply with all applicable laws, including privacy, consumer protection, anti-spam, sanctions, export controls, and intellectual property.

You are responsible for consequences of late documents, missing items, inconsistent information, failure to follow third-party rules, or failure to meet any third-party threshold (including exam scores and interview outcomes).

8) Instructions, Authorization, Deemed Approval, and Portal Rules

8.1 Instructions through Platform actions

You instruct us through your use of the Platform. Actions such as uploading documents, completing forms, selecting or confirming programs, requesting submission support, requesting visa coordination support, approving steps, continuing a workflow after being shown the program list or the next step, and making payments are treated as operational instructions to perform the workflow you initiate.

8.2 Program list presumption and exclusions

Unless an Addendum expressly states otherwise, if a program list (or shortlist) is displayed in your dashboard, emailed to you, or shared with you through an official ApplyAZ channel, then your continued use of the Platform, continued progression through steps, or any payment made after that display constitutes your approval for ApplyAZ to proceed with submissions and related steps for the programs shown, except for any exclusions you deliver to us in writing before submission.

8.3 Deemed approval and scope

Unless an Addendum expressly states otherwise, you agree that your continued use of the Platform after initiating a workflow, and any action within your dashboard (including document upload, step confirmations, and payments) constitutes your express authorization for ApplyAZ to:

• prepare and format your documents for submission,
• populate third-party portals and forms,
• submit information and documents to relevant third parties required for the workflow you initiated (including universities and scholarship bodies), and
• where you request visa coordination support, coordinate submissions and steps using visa-related third parties and appointment systems.

If you want to exclude any program, institution, intake, or destination from submissions, you must notify us in writing before submission.

8.4 Limited administrative mandate

To the maximum extent permitted by applicable law, you appoint ApplyAZ as your limited administrative agent solely to perform the operational steps you initiate through the Platform (including form population, portal submissions, scheduling support, and fee remittance using funds you provide). This limited mandate does not create a fiduciary relationship and does not authorize ApplyAZ to provide legal advice.

8.5 Third-party portal rules and user-only steps

Some third-party portals and systems may require user-only access, user-only identity checks, direct user submissions, or direct user confirmations. You agree to complete any required user-only steps promptly when requested. ApplyAZ may refuse to take any action that would reasonably risk violating a third-party portal’s terms, access rules, or applicable law.

8.6 Independent third parties

Once information is submitted to a university, scholarship body, visa authority, consulate, embassy, or third-party portal, that recipient typically processes it under their own rules and notices. They act as independent third parties and we are not responsible for their practices, decisions, refunds, timelines, portal outages, rule changes, or outcomes.

9) Pricing, Payments, Invoicing, Third-Party Fees, and Receipts

9.1 Dynamic pricing

Pricing and payment schedules may be displayed dynamically in the Platform based on the flow you choose. The pricing and payment terms shown to you at the time you place an order or make a payment control for that transaction.

9.2 Payment authorization

By providing a payment method, you authorize ApplyAZ and its payment providers to charge amounts due.

9.3 Third-party fees are non-refundable

Third-Party Fees are typically non-refundable once paid or committed. This includes university application fees and fees paid for submissions, exams, portals, couriers, translations, insurance, appointments, and government processes.

If ApplyAZ collects Third-Party Fees for remittance, you authorize ApplyAZ to pay those amounts on your behalf. We are not responsible for Third-Party Fees, and we cannot guarantee reversals, refunds, or cancellations by third parties.

9.4 Checkout confirmation and correction opportunity

Where the Platform provides a checkout summary (including fee amount, milestone description, and whether a Refund Offer exists), you are responsible for reviewing it before paying.

If you believe there is a clear checkout error (for example, wrong plan selected), you must notify us promptly. If you notify us within 24 hours of payment and before any material work has begun and before any Third-Party Fees have been paid or committed on your behalf, ApplyAZ may, at its discretion, cancel that transaction and reverse only the applicable ApplyAZ Fee actually received for that cancelled portion. Otherwise, standard milestone earning rules apply.

9.5 ApplyAZ receipts and request window

ApplyAZ may provide receipts or tax invoices for ApplyAZ Fees.

If you did not receive an ApplyAZ receipt after payment, you must email team@applyaz.com within 10 days of the payment date with the subject line Receipt Request and the email used for your account. After this window, you waive any claim based on non-receipt of an ApplyAZ receipt, to the maximum extent permitted by applicable law.

10) Milestones, Earned Fees, Exams, Interviews, Scholarship, Visa, Refunds, Disputes, and Remedies

Many ApplyAZ services are delivered in milestones.

10.1 When milestone fees are earned

Each milestone fee is tied to the work completed for that milestone. Once a milestone is completed, the fee for that milestone becomes earned.

Depending on the Platform flow and pricing shown to you, we may collect payment at the beginning of a milestone process, at the end of a milestone, or in installments. Payment timing does not change when a milestone fee becomes earned.

10.2 Admissions-related milestones and completion events

For admissions-related services, a milestone is considered completed, and the related ApplyAZ Fee is earned, upon the first occurrence of any of the following events for any program or institution we processed or assisted through the Platform:

• an admission offer (conditional or unconditional),
• an invitation to interview,
• an invitation to take an entry test or exam, or
• where ApplyAZ registers you for a required entry test or exam (for example, TOLC, CENT-S, IMAT, or similar) through an official portal or process.

You acknowledge these events represent successful delivery of the admissions service work product. Outcomes after these events are controlled by third parties.

Where the Platform displays a specific ApplyAZ Fee tied to exam registration, interview coordination, or similar operational actions, that fee becomes due and earned upon completion of the registration or coordination task, regardless of the final result.

10.3 Exams and interviews are your responsibility

Some programs require entry tests or exams (commonly bachelor-level and competitive programs, including medicine-related programs), and some require interviews.

You are solely responsible for:

•  registering where required,
• attending on time,
• meeting identity and eligibility rules,
• achieving the minimum score or threshold required by the institution, and
• passing any interviews required by the institution.

ApplyAZ cannot take exams for you, cannot influence scoring, and cannot influence interview outcomes. If you do not meet the required minimum score or do not pass an interview, ApplyAZ has still delivered the services up to that point, and fees already paid remain earned. You will not be required to purchase or pay for future optional milestones you do not proceed with.

10.4 Visa coordination and third-party providers

If you request visa coordination support, you authorize ApplyAZ to coordinate tasks and submissions as reasonably necessary, including engaging third-party providers such as licensed lawyers and local agencies where operationally required or commercially reasonable.

Any third-party provider engaged for visa facilitation acts as an independent third party. To the maximum extent permitted by applicable law, ApplyAZ is not responsible for their acts or omissions, their advice, their service quality, their timelines, or the outcome of any visa or permit process.

10.5 Scholarship-related milestones

Where the Platform offers scholarship support or scholarship-related milestones, you acknowledge that scholarship decisions are made by third parties.

A scholarship-related milestone is considered completed, and the related ApplyAZ Fee is earned, when any Scholarship Benefit is secured, even if the award is partial or minimal.

10.6 Deliverables, receipts, service confirmation, and protection of know-how

To the maximum extent permitted by applicable law:

• Receipts and submission confirmations; no duty; no reliance.
  To the maximum extent permitted by applicable law, ApplyAZ disclaims and excludes any duty, obligation, undertaking, or liability (whether express, implied, statutory, arising in equity, by usage of trade, course of dealing, course of performance, or otherwise) to furnish, disclose, provide, or make available to any User any third-party portal receipt, payment receipt, submission confirmation, acknowledgement number, gateway reference, screenshot, proof-of-payment, proof-of-submission, or analogous evidentiary record (including, without limitation, confirmations relating to Third-Party Fees and/or any application fee), except solely to the extent such furnishing is mandatorily required by non-waivable applicable law.
  ‍
  Any provision by ApplyAZ of any such receipt, confirmation, or record, if provided at all, shall be deemed gratuitous, provided strictly at ApplyAZ’s sole and absolute discretion, may be withheld, redacted, delayed, substituted, or discontinued at any time, and shall not constitute: (a) a contractual deliverable, (b) a condition precedent to the earning of any ApplyAZ Fee, (c) a representation or warranty of acceptance, processing, or outcome by any third party, or (d) a waiver, modification, or limitation of any right or remedy available to ApplyAZ under this Agreement.
  
  The User acknowledges and agrees that ApplyAZ’s services are measured by completion of the applicable service milestone(s) and/or delivery of outcome documents issued by third parties (where available), and the User waives, to the fullest extent permitted by applicable law, any claim that non-provision of the foregoing records constitutes non-performance, deficiency of service, or grounds for refund, set-off, reversal, or non-payment.
• ApplyAZ Service Confirmation. In ApplyAZ’s sole discretion, ApplyAZ may provide a non-sensitive ApplyAZ Service Confirmation summarizing the milestone completed and the completion timestamp. Any such confirmation is for operational reference only and does not constitute third-party acceptance, processing, or outcome.
• Work Product is protected know-how. ApplyAZ is not obligated to provide editable or transferable copies of Work Product, including CVs, SOPs, drafts, internal notes, reviewer notes, platform configurations, portal profiles, or submission logic, whether during processing, at the time of admission, or afterward. Any sharing of Work Product is at ApplyAZ’s sole discretion.
• Outcome documents. If received by us, we will typically provide you with copies of official outcome documents issued by third parties, such as an admission letter and scholarship award or acceptance notice. These documents are issued by third parties, may be subject to their availability and rules, and are not guaranteed.

Nothing in this section limits any non-waivable right or obligation that applies under applicable law.

10.7 Refunds

Any refund applies only if the Platform expressly displays a refund offer for the specific First Process Fee you purchased at the time of purchase (a Refund Offer). If no Refund Offer is displayed for the First Process Fee at the time of purchase, the First Process Fee is non-refundable except where required by law.

No refund is available for user-initiated cancellations or delays, or for outcomes driven by third parties or other factors beyond ApplyAZ’s reasonable control.

If a Refund Offer exists, it applies only to the First Process Fee and only if all the conditions below are met.

Conditions for a First Process Fee refund

A refund of the First Process Fee is available only if:

1. Full cooperation and deadlines. You provide every document, clarification, confirmation, signature, and action we request within the deadlines we set and communicate to you (including by dashboard notice, email, WhatsApp, Telegram groups, or other Platform message).
2. Minimum scores for required tests and exams. For every approved program that requires an entry test or exam, you attend and achieve at least the minimum score or threshold required by the relevant institution for admission consideration or enrollment.
3. Pass required interviews. For every approved program that requires an interview, you attend and pass the interview as required by the relevant institution.‍
4. No aligned admission secured. Despite meeting items (1) to (3), ApplyAZ does not secure any admission offer for an Aligned Program.

If any of the above conditions are not met, no refund is due.

Clarifications

•  Invitations to interview and invitations to exams are service milestones. If you receive an invitation, fees already paid remain earned.
• Any ApplyAZ Fees paid for completed milestones remain non-refundable.
• Any Third-Party Fees are non-refundable once paid or committed.

Nothing in this section limits non-waivable consumer rights that apply under applicable law.

10.8 Strict notice window for admin errors; waiver

To the maximum extent permitted by applicable law, any claim that ApplyAZ made an administrative or operational error (including alleged deadline misses, incorrect intake selection, incorrect portal fields, incorrect campus/program code, or incomplete submission) must be delivered to ApplyAZ in writing within 7 calendar days of the earlier of:

•  the date the relevant submission, registration, or operational step was performed or attempted, or
• the date you were notified (or the information was displayed in your dashboard) that such step was performed or attempted.

If you do not provide notice within this period, you waive that claim and any related remedy, to the maximum extent permitted by applicable law.

10.9 Cure process and exclusive remedy

To the maximum extent permitted by applicable law, where a cure is reasonably possible, ApplyAZ will have a reasonable opportunity to cure by re-performing the affected operational step.

To the maximum extent permitted by applicable law, your exclusive remedy for any claim relating to service performance is (at ApplyAZ’s option): (a) re-performance of the relevant operational step, or (b) a platform credit for the affected ApplyAZ Fee actually paid for the specific disputed milestone. No other remedy is available.

10.10 No set-off; no withholding

To the maximum extent permitted by applicable law, you may not withhold payment, apply any set-off, or reverse any payment based on a dispute, except through the dispute process described in these Terms.

10.11 Chargebacks and dispute protocol

You agree to contact ApplyAZ first and allow ApplyAZ a reasonable opportunity to review and respond before initiating any chargeback or payment reversal.

If you initiate a chargeback or reversal:

• ApplyAZ may suspend work, suspend access, and pause all processing until the dispute is resolved,
• any Third-Party Fees already paid or committed remain non-refundable, and
• ApplyAZ may provide payment processors with records, logs, timestamps, communications, and service confirmations to respond to the dispute.

11) Communications, Call Recordings, Messaging Groups, and Evidence

11.1 Service communications

You agree we may contact you using the contact details you provide, including by email, WhatsApp, Telegram groups, SMS, phone call, and in-dashboard messages, for service delivery and operational coordination.

11.2 Messaging groups and third-party messaging platforms

WhatsApp and Telegram are third-party services. You acknowledge that communications through third-party messaging platforms may be copied, forwarded, screenshot, or redistributed by other participants.

To the maximum extent permitted by applicable law, ApplyAZ is not responsible for disclosures caused by third parties using or misusing messaging platforms.

You agree not to share or publish other users’ personal information obtained through any group or channel.

11.3 Call recordings

We may record calls or meetings for quality, training, fraud prevention, documentation, and dispute handling.

Where required by law, we will provide notice and obtain consent before recording. Where permitted by law, continued participation after notice will be treated as consent.

11.4 Evidence and audit trail

To the maximum extent permitted by applicable law, you agree that Platform records, system logs, timestamps, user IDs, dashboard actions, payment records, communications (including WhatsApp and Telegram messages), and call recordings (where permitted) may be used as evidence of:

• your consent and instructions,
• milestone completion and performance,
• fees due and fees earned,
• refunds (including the existence or non-existence of a Refund Offer), and
• delivery of notices.

12) Acceptable Use

You must not:

• access the Platform to violate laws or third-party rules,
• upload unlawful, infringing, or deceptive content,
• attempt unauthorized access, probing, scraping, or interference,
• introduce malware, or
• use the Platform to build or offer competing services.

We may remove content, restrict access, or suspend accounts to protect users, the Platform, and our operations.

13) Intellectual Property and Work Product

The Platform, software, Content, trademarks, and all associated intellectual property are owned by ApplyAZ or its licensors. Except for the limited license in Section 6, no rights are granted.

ApplyAZ owns all rights in Work Product and in ApplyAZ know-how, methods, workflows, and operational systems, to the extent permitted by applicable law. Nothing in these Terms transfers ownership of Work Product to you.

14) Disclaimers and Non-Reliance

THE PLATFORM AND CONTENT ARE PROVIDED AS IS AND AS AVAILABLE.

To the maximum extent permitted by law, ApplyAZ disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.

ApplyAZ does not guarantee any admission, scholarship, tuition waiver, housing, interview, exam, visa, permit, or outcome.

14.1 No reliance on marketing, informal statements, or estimates

To the maximum extent permitted by applicable law, you acknowledge and agree that:

•  you have not relied on any statement outside the Platform checkout display and these Terms (including any marketing material, social media posts, testimonials, projected timelines, screenshots, or verbal statements), and
• any examples, past outcomes, or estimates are illustrative only and do not create contractual obligations.

Only the pricing, refund disclosure (if any), and milestone description shown to you at the time of payment, together with these Terms and any applicable Addendum, govern your purchase.

15) Limitation of Liability

To the maximum extent permitted by law:

•  ApplyAZ is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, loss of data, loss of business, or business interruption.
• ApplyAZ is not liable for third-party decisions, third-party portals, quota closures, policy changes, delays, rejections, or the acts or omissions of third parties.

If liability is imposed on ApplyAZ despite the above, ApplyAZ’s total aggregate liability for all claims related to the Platform or services will not exceed the amount you paid to ApplyAZ for the specific disputed milestone giving rise to the claim.

Nothing limits liability that cannot lawfully be limited.

16) Indemnity

You agree to defend, indemnify, and hold harmless ApplyAZ, its affiliates, and their directors, officers, employees, and contractors from claims and expenses arising from:

•  your use of the Platform in breach of these Terms,
• your violation of law or third-party rights,
• your content, submissions, or documents, including lack of permissions or authenticity,
• unauthorized use of your account credentials, and
• any dispute brought by a third party (including a student or partner) arising from your acts, omissions, representations, or promises.

17) Suspension, Abandonment, Termination, Fraud Reporting, and Limitation Period

We may refuse, suspend, limit, or terminate access to the Platform or services where we reasonably believe there is fraud, abuse, security risk, legal or compliance risk, non-payment, policy breach, material inconsistencies in information provided, or a third-party rule or portal change that prevents us from delivering the workflow.

17.1 Abandonment and inactivity

If you fail to respond, provide requested documents, or complete required actions within the deadlines we provide, ApplyAZ may pause your case.

If inactivity continues, ApplyAZ may close your file as abandoned. Fees already earned remain earned, and Third-Party Fees remain non-refundable.

If we allow reactivation, ApplyAZ may require updated information and may charge a reactivation fee.

17.2 Fraud, misconduct, and reporting

If ApplyAZ reasonably suspects fraud, document fabrication, misrepresentation, identity misuse, exam misconduct, or other unlawful conduct, ApplyAZ may suspend the account and may disclose relevant information to affected universities, scholarship bodies, exam bodies, payment processors, and/or lawful authorities where necessary to protect integrity, comply with law, or prevent harm.

17.3 Limitation period for claims

To the maximum extent permitted by applicable law, any claim, action, or proceeding arising out of or relating to the Platform, these Terms, or any services must be commenced within 6 months after the event giving rise to the claim. After that period, the claim is permanently barred.

Termination does not remove obligations that accrued before termination, including payment obligations for earned fees and non-refundable Third-Party Fees.

18) Partner-Specific Terms (General)

This section applies in addition to any Partner Addendum.

18.1 No agency; no authority to bind ApplyAZ

Partners are independent contractors. No Partner has authority to act as agent of ApplyAZ, make representations on ApplyAZ’s behalf, bind ApplyAZ, or create obligations for ApplyAZ.

18.2 No exclusivity; direct communications

Unless an Addendum expressly provides otherwise, Partner relationships are non-exclusive. ApplyAZ may communicate directly with Students and may manage Student files and workflows directly within the Platform.

18.3 Partner responsibility for representations

Partners are solely responsible for their own statements, marketing claims, promises, fee disclosures, and conduct. Partners must not promise outcomes, refunds, timelines, scholarships, visa results, or admissions.

18.4 Partner indemnity

Partners agree to defend, indemnify, and hold harmless ApplyAZ from any claim brought by a Student or any third party arising from the Partner’s conduct, statements, omissions, or failures to disclose accurate information.

18.5 Attribution, commissions, clawback, and settlement

Where Partner compensation, attribution, or commissions apply, the applicable Partner Addendum and Platform records govern.

To the maximum extent permitted by applicable law:

•  attribution and eligibility of commissions may be determined using Platform records and logs,
• commissions are conditional upon successful settlement of funds and may be withheld for fraud, non-payment, chargebacks, reversals, or disputes,
• ApplyAZ may claw back commissions or offset future commissions where a payment is reversed, charged back, or determined to involve fraud or material misrepresentation.

19) Grievance and Complaints (India)

To the extent required by applicable law for users in India, you may submit a complaint by emailing team@applyaz.com with subject: Grievance.

We may request verification and additional details. Where required by applicable law, we will acknowledge receipt within a reasonable period and aim to address the complaint within the statutory timeframe.

This section does not create additional remedies beyond those expressly stated in these Terms.

20) False Statements Presented as Facts

Nothing in these Terms prevents you from sharing opinions or feedback. However, to the maximum extent permitted by applicable law, you agree not to publish or circulate knowingly false statements presented as facts about ApplyAZ, its staff, its services, or its users.

21) Governing Law and Venue

These Terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario.

To the extent permitted by law, you agree that disputes will be brought exclusively in the courts located in Toronto, Ontario.

22) Changes to These Terms

We may update these Terms by posting an updated version on the Platform. Continued use after updates means you accept the revised Terms.

23) Contact

ApplyAZ Inc.

Support and receipts: team@applyaz.com

General: info@applyaz.com

Legal notices: legal@applyaz.com