Tutor Agreement

This is an agreement between Discera ("Discera", "we") and you, an independent tutor offering sessions through discera.in. It takes effect when you accept it during tutor onboarding, and continues until either of us ends it under section 11.

You teach. We run the marketplace around it — the profile students find you through, scheduling, collecting payment, the video room the class happens in, reminders, and paying you afterwards.

We don't tell you what to teach or how to teach it. We don't set your rate, your hours, or how many sessions you take.

• You must be at least 18 years old.
• Everything on your profile — your experience, qualifications, and the subjects you list — must be accurate. Students choose you on the strength of it.
• We review every profile before it appears on Discera, and we may decline one without giving a reason.
• We verify your payout details before any money is sent to you.

You keep your full rate. You set an hourly rate. Discera's fee is added on top of it and paid by the student — it does not come out of what you charge.

Our fee is currently 18% of your rate, and the student's price is rounded to the nearest ₹10. So:

You can change your rate from your dashboard at any time. A change applies to new bookings only — a session already booked is held at the price the student agreed.

If we change our fee, we'll tell you at least 30 days beforehand, and you're free to leave before it takes effect.

• Students pay up front. We hold the money until the session has happened.
• A session counts as delivered when you and the student are both in the room together for at least 3 minutes.
• Payouts go out twice a week, every Monday and Thursday, to the UPI ID or bank account on your profile.
• Each run covers every session you delivered up to the end of the previous day. So a session taught on Friday is paid on Monday, and one taught on Monday is paid on Thursday.
• If a payout day falls on a bank holiday, that run moves to the next working day.
• In every case you're paid within 7 working days of delivering the session. The two days above are how it works in practice; this is the outer limit we hold ourselves to.
• If a payout fails — wrong details, a bank rejection — we'll tell you and retry once you've corrected it.
• Where a session is disputed or reported, we hold the payout until it's resolved, and we'll tell you that we've done so.

Fixed days rather than payment-on-the-spot because our payouts are still sent by hand, and we would rather you could plan around a date we will keep than be told "soon". You'll get a WhatsApp each time money is sent. We're working towards automatic payouts; when they arrive, they will only ever make this faster.

• Sessions are one hour. You publish your availability and we only offer students the slots you've opened.
• You can block out dates you're away from your dashboard, and those slots stop being bookable immediately.
• The video room opens 10 minutes before the start time and closes 30 minutes after the end.
• You can cancel a session at any time, for any reason, and we will never refuse it — the student is refunded in full.
• We ask for 24 hours' notice. We record the notice you gave, because a pattern of cancelling on the day is something we need to see before students do.
• Repeatedly cancelling late, or not turning up, can lead to your profile being paused.

If a student doesn't turn up to a session they paid for, tell us and we'll look at it. We may still pay you for the time you held.

A good number of students on Discera are school and competitive-exam students under 18. Their parent or guardian has verified their identity and consented to them being here. The rules below are not negotiable, and breaking any of them ends your account immediately.

• Keep every conversation with a student under 18 on Discera. Don't move to WhatsApp, Instagram, email, or anywhere else.
• Don't ask a student under 18 for their personal phone number, social media, or home address, and don't give them yours.
• Don't arrange to meet a student under 18 in person.
• Don't ask a student under 18 to pay you directly, or to book outside Discera.
• Keep sessions to the subject. Nothing sexual, nothing violent, nothing that isn't appropriate for a young person.
• If you're ever worried about a student's safety or wellbeing, tell us the same day at safety@discera.in.

We may ask you for a background check before you teach under-18s, and we may introduce session recording for safety. If we do, we'll tell you first and update this agreement.

Discera lists finance and accounting subjects — CFA, FRM, CA, modelling, corporate finance — as coursework. You can teach the syllabus, the concepts and the exam. You can work through historical cases, build a valuation, or explain how an instrument works.

What you must not do in a Discera session:

• Recommend that a student buy, sell or hold any specific security, fund or asset.
• Give entry prices, exit prices, stop losses or target levels.
• Offer a view on where a named security or the market is going.
• Make claims about returns you or anyone else has achieved, or that a student could achieve.
• Manage money for a student, or take money from them to invest.

This is not a house rule we invented. In India, advice about securities given for a fee is investment advice, and providing it requires registration with SEBI — whatever the session is called. Every session on Discera is paid, so that applies here.

If you are a SEBI-registered Investment Adviser or Research Analyst, that registration covers your own practice, not sessions booked through Discera. The rules above still apply here. Breaking them ends your account, and you are responsible for the consequences under section 13.

If a student finds you through Discera, their sessions belong on Discera. Don't ask them to pay you directly, move to another platform, or carry on privately.

This isn't about owning your relationships — you're free to teach anyone anywhere, and students you already taught before Discera are yours. It's that the escrow, the refunds, the no-show handling and the safety reporting only work while a booking is on the platform. Taking a student off it removes every protection either of you has.

You're an independent contractor. This agreement doesn't make you an employee, agent, partner or franchisee of Discera, and it doesn't create exclusivity in either direction.

• You set your own rate. Any guidance we show you is advisory and you're free to ignore it.
• You set your own hours and decide which sessions to take.
• You can teach on other platforms, privately, or for an employer, at the same time.
• There's no minimum number of sessions, and no penalty for taking none.
• You teach in your own way, using your own methods and materials.
• You provide your own computer, internet connection and equipment.

Because of that, you're not entitled to employee benefits — provident fund, gratuity, paid leave, insurance — and we don't provide them.

You're responsible for your own income tax and, if it applies to you, GST registration and returns. Where Indian law requires Discera to deduct tax at source on what we pay you, we'll deduct it and give you the certificate.

Anything you make to teach with — notes, worksheets, slides, problem sets — stays yours. We don't claim it. You give us permission to show your profile, photo and bio to students while your account is active.

You can stop teaching on Discera whenever you like. Close your account from your settings, or write to us. Sessions already booked should still be taught, or cancelled under section 6 so the student gets their money back.

We can pause or end your account if you break this agreement, if there's a safety concern, or if your profile turns out to be inaccurate. We'll tell you why, except where telling you would compromise someone's safety or an investigation.

Whatever you've earned for delivered sessions is still paid to you.

You'll see a student's name, the subject, and whatever they tell you in a session. Use it to teach them and nothing else. Don't share it, don't keep it after you stop teaching them, and don't use it to contact them outside Discera.

If you think a student's information has been exposed — a shared screen, a lost laptop, a forwarded message — tell us at privacy@discera.in the same day. We have 72 hours to report a breach and the clock starts when anyone finds out, not when you get round to it.

You're responsible for what happens in your sessions. If Discera is held liable because of something you did — a false claim on your profile, a breach of section 7, teaching that infringes someone's copyright — you'll cover us for it.

Our liability to you is limited to the fees we've earned from your sessions in the three months before the claim. Nothing here limits liability that Indian law doesn't allow to be limited.

We may update this agreement. For anything material we'll give you 30 days' notice, and carrying on teaching after that means you accept it. The date at the top tells you which version you're reading.

This agreement is governed by the laws of India, and disputes go to the courts of India.

Questions about this agreement, your payouts, or anything else: tutors@discera.in. Safety concerns: safety@discera.in.