Terms & Conditions

Terms and Conditions


These Terms and Conditions govern the terms under which you may access and use this website and the services associated with it (together, the "Service"). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. With this you also agrees that you explicitly giving us the permission to send out communications via email or SMS. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service.

In these Terms and Conditions, the terms "HLA", "Holmes Language Assessment", "we", "us", "our" refer to Webstylio, together with its employees, directors, affiliates, successors, and assigns webstylio, with its registered office at Constantia, Ground Floor, 11 U N Brahmachari Road, Kolkata 700017, India.

We agree to provide the Service to you using reasonable care. When you submit a Transaction, you are requesting that we process the Transaction on your behalf. We may, in our sole discretion, choose whether or not to accept the offer to process that Transaction.

We will attempt to process Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or otherwise to comply with applicable law; or due to variations in business hours and currency availability.

You agree that for each Transaction that you submit, you will pay us the Service charge in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction. If you submit a Transaction that results in HLA becoming liable for charges including but not limited to chargeback or other fees, you agree to reimburse us for all such fees. You will provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes.

We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a transaction under the Service by reason of any of these matters.

HLA may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Transaction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a Transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.


Refund and liability

You can cancel the transaction with us after you have submitted a Transaction. This right of cancellation continues until we have completed the contract by paying the Payout Amount to the Recipient. If you exercise your right to cancel under this clause, we may make a cancellation charge. Note that if the payment gets credited to the beneficiary account in that case cancellation will not be possible.
If you wish to exercise your right to cancel under this clause, you must submit a written request to one of the contact points listed at the bottom of this Terms and Conditions, giving the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.
Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency. Adjustment will be made for any currency fluctuations which may have occurred in the meanwhile and you will be responsible for the change.
You have to accept all the decision from the HLA team in case of refund & cancellation.
In case of refund, the amount will be refunded via same source within 05 to 07 working days.
We will refund to you any benefit which we receive as a result of any breach of our agreement with you e.g.

  • Your account gets debited twice for the same transaction.
  • Transaction gets failed but the money gets debited from your account.

We do not, in any event, accept responsibility for any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control or any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control or errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.
The Registered User will not be entitled to any interest for the period during which the funds to be remitted are with the Bank, or pending remittance or are in the course of remittance, or for any other period.
You agree to indemnify and hold harmless HLA, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of your use or misuse of this website or Service, all activities that occur under your password or account e- mail login, your violation of this Terms and Conditions or any other violation of the rights of another person or party.
Fees once paid which are nonrefundable for any reason or any clause of HLA.

Transaction Fee Clause

  • Transaction fees charged would be borne by cardholder for any payment.
  • Transaction fee charges would not be refunded/ reversed under any circumstances for any refund/ reversal /chargeback and any other reasons.


If you wish to make a complaint about any aspect of the HLA service, please send your complaint in writing to the address shown on the Contact Us page or by email to info@holmeslanguageassissment.com

Information about you and your visits to our site

We process information about you in accordance with our privacy policy, which is also be found on this website. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Uploading material to our site

Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with any applicable laws and content standards. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.
We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply applicable laws or content standards.

Viruses, hacking and other offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Jurisdiction and applicable law

Kolkata will have exclusive jurisdiction over any claim (including non-contractual disputes or claims) arising from, or related to, a visit to our site.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of state.


If any dispute arises between you and the company, in connection with the validity, interpretation, implementation or alleged breach of any provision of the User Agreement and Terms and Conditions, the dispute shall be first referred to a sole Arbitrator who shall be an independent and neutral third party identified by company. The place of arbitration shall be Kolkata. The Arbitration & Conciliation Act, 1996, shall govern the arbitration proceedings. The arbitration proceedings shall be in the English language.


We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
You acknowledges and agrees that he/she has read and understood all Terms and conditions applicable to the Service and undertakes to abide by the same.

Thank you for visiting our site.