Terms and Conditions

Last Updated: April 24, 2024

Welcome to FinShaakti. These Terms and Conditions ("Terms") govern your access to and use of the FinShaakti website, including any content, functionality, and services offered on or through finshaakti.com (the "Website").

Please read these Terms carefully before using our Website. By using the Website, you accept and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Website.

1. Acceptance of Terms

By accessing or using our Website, you agree to these Terms and our Privacy Policy. If you are using our Website on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. The most current version will be posted on our Website with the "Last Updated" date. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.

3. User Accounts

3.1 Account Creation

To access certain features of the Website, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Responsibilities

You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

3.3 Account Termination

We reserve the right to suspend or terminate your account and refuse any and all current or future use of the Website at our discretion. This may occur, without limitation, if we believe that you have violated these Terms.

4. Educational Content and Services

4.1 Course Content

All educational content provided on our Website is for informational and educational purposes only. The content is not intended to be a substitute for professional financial, investment, or tax advice. Always seek the advice of qualified professionals regarding your specific financial situation.

4.2 Course Enrollment

By enrolling in a course, you gain a limited, non-exclusive, non-transferable license to access and use the course materials for your personal, non-commercial, educational purposes only.

4.3 Accuracy of Information

While we strive to provide accurate and up-to-date educational content, we make no representations or warranties about the accuracy, reliability, completeness, or timeliness of any content. Any reliance on such information is at your own risk.

5. User Conduct

When using our Website, you agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Impersonate any person or entity or misrepresent your affiliation with a person or entity
• Engage in any conduct that restricts or inhibits anyone's use of the Website
• Use the Website to distribute unauthorized advertising, promotional materials, junk mail, spam, or any other form of solicitation
• Upload, transmit, or distribute any computer viruses, worms, or malicious code
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website or servers
• Use any robot, spider, or other automatic device to access the Website for any purpose
• Harvest or collect email addresses or other contact information of users from the Website
• Defame, harass, abuse, threaten, or violate the legal rights of others
• Post any content that is unlawful, defamatory, obscene, indecent, abusive, offensive, or otherwise objectionable

6. Intellectual Property Rights

6.1 Website Content

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by FinShaakti, its licensors, or other providers of such material and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and our educational content for your personal, non-commercial use only, subject to these Terms.

6.3 Restrictions

You must not:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as permitted by these Terms
• Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website
• Access or use for any commercial purposes any part of the Website or any services or materials available through the Website

7. User-Generated Content

7.1 User Submissions

Our Website may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material. By providing User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media.

7.2 Content Standards

You are solely responsible for any User Content you post on the Website. You represent and warrant that:

• You own or have the necessary rights to use and authorize us to use your User Content
• The User Content does not infringe upon or violate the rights of any third party
• The User Content complies with these Terms and all applicable laws and regulations

7.3 Monitoring and Enforcement

We have the right (but not the obligation) to monitor, edit, or remove any User Content for any reason, including violation of these Terms or any applicable laws.

8. Payment Terms

8.1 Course Fees

Access to certain courses and materials on our Website may require payment of fees. All fees are listed in Indian Rupees (INR) unless otherwise specified and are inclusive of applicable taxes.

8.2 Payment Processing

Payments are processed through third-party payment processors. By making a purchase, you agree to provide current, complete, and accurate purchase and account information and authorize us to charge your chosen payment method for the courses or services you have selected.

8.3 Price Changes

We reserve the right to adjust pricing for our courses or any components thereof in any manner and at any time as we may determine in our sole discretion. Any price changes will not affect courses already purchased.

9. Refund Policy

For information about refunds, please refer to our separate Refund Policy, which is incorporated into these Terms by reference.

10. Third-Party Websites and Content

The Website may contain links to third-party websites and resources. These links are provided for your convenience only. We have no control over the contents of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them.

11. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. FINSHAAKTI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the servers that make it available are free of viruses or other harmful components.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINSHAAKTI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE
• ANY CONTENT OBTAINED FROM THE WEBSITE
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

IN NO EVENT SHALL FINSHAAKTI'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU TO FINSHAAKTI DURING THE PAST TWELVE (12) MONTHS.

13. Indemnification

You agree to indemnify, defend, and hold harmless FinShaakti and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Pondicherry, India for the resolution of any disputes arising out of or relating to these Terms or your use of the Website.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be struck from these Terms, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and FinShaakti regarding your use of the Website and supersede all prior and contemporaneous written or oral agreements between you and FinShaakti.

17. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of FinShaakti.