Terms & Policies

Business Information

This website is owned and operated by INNOVATOR HUZSAM (SMC-PRIVATE) LIMITED, trading as Innovator HuzSam (IHS), a company incorporated in Pakistan. Curiositora is our educational product and services brand.

Registered business address: Ward No. 8, Karor Lal Eason, Layyah, Punjab, Pakistan.

Company incorporation number (CUIN): 0324418.

Customer support: info@innovatorhuzsam.com. Phone / WhatsApp: +92 321 797 5367 (message on WhatsApp).

Terms of Use

By accessing and using the Innovator HuzSam website, services, and platforms, you agree to comply with these terms and conditions.

The information, training, and resources provided by Innovator HuzSam are for educational and informational purposes only. While we strive to ensure accuracy and quality, we do not guarantee specific outcomes or results from the use of our services.

Users are responsible for using the website and services in a lawful and respectful manner. Any misuse, unauthorized access, or violation of these terms may result in restricted access to our services.

Innovator HuzSam reserves the right to modify, update, or discontinue any part of its website, services, or content at any time without prior notice.

User Responsibilities

Users are responsible for providing accurate information when using the Innovator HuzSam website and services.

Users agree to use the website, training programs, and services in a lawful, respectful, and ethical manner. Any misuse, unauthorized activity, or violation of these terms may result in restricted access to services.

Users are also responsible for maintaining the confidentiality of their own communication, login details (if applicable), and personal information shared during interactions with Innovator HuzSam.

Training & Services Policy

Innovator HuzSam provides training programs and services designed for educational, professional, and personal development purposes. All trainings are delivered primarily through online platforms unless otherwise stated.

The structure, format, duration, and content of training programs may vary based on the selected service, learner needs, and program requirements. Innovator HuzSam reserves the right to update or adjust training content to maintain quality and relevance.

Participation in training does not guarantee specific academic, professional, financial, or personal outcomes. Learning progress and results depend on individual effort, engagement, and application of the training provided.

Innovator HuzSam may offer customized, one-to-one, or group-based training upon request. Availability of such services depends on scheduling, resources, and trainer assignment.

Delivery: Our learning services are delivered digitally to learners in Pakistan and internationally; no physical goods are shipped. The access period, start date, class schedule and joining or access instructions are confirmed as part of enrollment before payment. Please contact customer support if access or joining instructions have not arrived by the agreed start date.

Enrollment & Payments

Enrollment in any training program or service is subject to availability and confirmation by Innovator HuzSam. Details regarding program structure, fees, and schedules are shared before enrollment is finalized.

Payment terms vary depending on the selected training, membership plan, or customized service. Fees must be paid according to the agreed terms prior to the commencement of training, unless otherwise stated.

Innovator HuzSam reserves the right to modify pricing, payment methods, or enrollment requirements at any time.

Payments & Refund Policy

Payments for training programs, memberships, and services must be completed before the start of the training, unless otherwise agreed in writing.

Fees vary depending on the selected program, service type, or customized training request. All payment details are communicated clearly prior to confirmation.

We follow a no-refund policy for paid training programs, memberships and services, including cancellations before a program starts, cancellations during a paid period, unused access, missed sessions and dissatisfaction with a service, except where a refund is required by applicable law. Cancellation does not result in a full or prorated refund.

As our services are digital, physical returns and exchanges do not apply. Cancellation stops future recurring charges as described in our Order & Subscription Cancellation Policy.

If you believe a payment was duplicated or charged in error, or a service was not delivered as agreed, contact us through our complaint handling process so we can investigate. Nothing in this policy limits any rights or remedies available under applicable law.

Order & Subscription Cancellation Policy

How to cancel: Email info@innovatorhuzsam.com with the subject "Cancellation request". Include your enrollment or account email, the plan or service name, and your order or payment reference if available. You may also contact us at +92 321 797 5367 or on WhatsApp for assistance.

Recurring plans: You may request cancellation at any time before your next renewal. Cancellation stops future renewals and recurring charges. If you cancel during a paid month, you retain access to the services included in your plan until the end of that paid billing period; access then ends and the plan does not renew. No full or partial refund is issued for the current paid period, except where required by applicable law.

One-time orders and enrollments: You may request cancellation before the agreed start date or delivery of access, or notify us that you wish to discontinue after services begin. Paid fees remain subject to our no-refund policy. A one-time order has no recurring renewal to cancel.

We acknowledge cancellation requests within 2 business days and confirm the effective cancellation date and, for a recurring plan, the last day of paid access by email. The cancellation acknowledgement period does not extend your billing period or authorize another renewal. If a recurring charge is taken after a timely cancellation request, please report it through our complaint handling process.

Customer Support & Complaint Handling

For service, enrollment, access, billing or cancellation complaints, email info@innovatorhuzsam.com with the subject "Customer complaint". You can also contact us by phone at +92 321 797 5367 or on WhatsApp.

1. Tell us what happened: Provide your name, enrollment or account email, the service or plan, any order or transaction reference, a description of the issue and the outcome you are seeking. Attach relevant screenshots or receipts, but never send passwords, one-time codes or full card details.
2. Acknowledgement: We acknowledge your complaint within 2 business days of receipt.
3. Investigation and response: Our support team reviews the issue and aims to resolve it or provide a proposed solution within 7 business days of receipt. If more time is needed, we explain the reason and provide an expected resolution date within that timeframe.
4. Further review: If you are dissatisfied with our response, reply to the same email thread requesting escalation. Our management team will review the complaint and aim to respond within 7 business days of the escalation request.

Business days are Monday to Friday, excluding public holidays in Pakistan. Our complaint process does not prevent you from exercising your rights under applicable law.

Intellectual Property

All content, materials, training resources, videos, text, graphics, logos, and branding provided on the Innovator HuzSam website and platforms are the intellectual property of Innovator HuzSam, unless otherwise stated.

Users may access and use the content solely for personal and educational purposes. Reproduction, distribution, modification, resale, or public use of any materials without prior written permission is strictly prohibited.

Unauthorized use of Innovator HuzSam's intellectual property may result in legal action.

Privacy Policy

Innovator HuzSam respects your privacy and is committed to protecting your personal information.

We may collect basic information such as name, email address, phone number, and other details voluntarily provided through contact forms, registrations, or communication channels. This information is used solely for communication, service delivery, and support purposes.

Innovator HuzSam does not sell, rent, or share personal information with third parties, except where required by law or necessary to provide requested services.

We take reasonable measures to safeguard user data; however, no online platform can guarantee absolute security. By using our website and services, you acknowledge and accept this limitation.

Counselling & Wellbeing Disclaimer

Innovator HuzSam offers counselling, wellbeing, and personal development services to provide support, guidance, and educational assistance. These services are intended to promote personal growth, emotional awareness, and wellbeing.

Our counselling and wellbeing services do not replace professional medical, psychological, or psychiatric treatment. Individuals requiring medical or clinical care are advised to seek support from qualified healthcare professionals.

All counselling sessions are conducted with respect for confidentiality and privacy, within professional and ethical boundaries. Confidentiality may be limited where disclosure is required by law or to prevent harm.

Participation in counselling and wellbeing services is voluntary, and outcomes may vary depending on individual circumstances and engagement.

Limitation of Liability

Innovator HuzSam provides its website, training programs, and services on an “as is” basis for educational and informational purposes.

Innovator HuzSam shall not be held liable for any direct, indirect, incidental, or consequential loss or damage arising from the use of, or inability to use, the website, services, or training materials.

Users are solely responsible for how they apply the information, skills, or guidance provided through our programs. Innovator HuzSam does not assume responsibility for personal, professional, financial, or academic decisions made based on the use of our services.

To the maximum extent permitted by law, Innovator HuzSam's liability shall be limited accordingly.

Modifications to Policies

Innovator HuzSam reserves the right to update, modify, or revise these terms and policies at any time as necessary.

Any changes will be effective immediately upon being published on this page. Continued use of our website, services, or platforms after updates indicates acceptance of the revised terms and policies.

Users are encouraged to review this page periodically to stay informed of any changes.

Governing Law & Jurisdiction

These terms and conditions, and disputes arising from the use of our website or services, are governed by and interpreted in accordance with the laws of the Islamic Republic of Pakistan.

The competent courts of Pakistan, including any consumer court with jurisdiction under applicable law, have jurisdiction over disputes arising out of or relating to these terms or our services.

Contact Information

For questions about these terms, contact INNOVATOR HUZSAM (SMC-PRIVATE) LIMITED at info@innovatorhuzsam.com, call +92 321 797 5367, or visit our Contact page.

Registered business address: Ward No. 8, Karor Lal Eason, Layyah, Punjab, Pakistan.

For complaints and cancellation requests, please follow the procedures and response timelines set out above.

By using this website and our services, you acknowledge that you have read and understood these terms and policies.