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These Terms & Conditions govern your use of the website, courses, webinars and other services of Shubh Shree Knowledge Hub Private Limited. Please read them together with our Disclosures & Disclaimers and Privacy Policy.
By accessing or using the Website, application, platform, courses, webinars, content, tools or other services provided by the Company (“Services”), the user agrees to be bound by these Terms & Conditions.
If the user does not agree with these Terms, the user should discontinue use of the Services.
“Company” means Shubh Shree Knowledge Hub Private Limited.
“User” means any person accessing or using the Services.
“Content” includes written material, research, educational material, articles, videos, graphics, audio, software, databases, tools and other materials.
“Services” include all products and services made available by the Company from time to time.
The Services may be used only by persons legally capable of entering into a binding contract under applicable law.
Where a particular service has additional eligibility requirements, those requirements shall apply.
The Company may refuse access where required by law or regulatory requirements.
Users must provide information that is accurate, complete and not misleading.
Users must promptly update information that becomes inaccurate or outdated.
The Company may suspend or terminate accounts where information is materially inaccurate or fraudulent.
Users are responsible for protecting:
Users must not share authentication credentials with unauthorized persons.
The Company should be notified promptly of suspected unauthorized access.
The Company may provide one or more of the following:
The precise scope of each paid service shall be disclosed separately.
The Company provides educational courses only. Nothing in these Terms or in any course creates an advisory, brokerage, insurance, distribution or other regulated relationship, and the Company does not manage investments for any person.
Educational content is designed to promote financial literacy and awareness.
It is not necessarily customized to the user's circumstances.
Examples, case studies, calculators, hypothetical investments and scenarios are for educational illustration unless expressly stated otherwise.
Any information involving securities or investments is provided for educational purposes only.
The Company shall not describe any of its activities as registered or authorized unless they are.
The Company does not make personalized recommendations or provide investment advice. Any securities, scenarios or examples discussed in a course are for educational illustration only and are not a recommendation to buy, sell or hold.
Users acknowledge that investment outcomes cannot be guaranteed merely because material is presented by the Company.
No employee, agent, salesperson, educator, consultant, analyst, affiliate or technology system is authorized to promise guaranteed returns unless expressly permitted by law and contractually documented.
Applicable fees shall be specified on the relevant service page, quotation, invoice or separate agreement.
Service Fee Structure. Course fees are the prices displayed on the course enrollment page at the time of purchase.
GST Treatment. All listed fees are exclusive of Goods and Services Tax (GST). GST will be calculated at the prevailing statutory rate (for example, 18%, or the rate applicable in your jurisdiction) and added to the final invoice.
Payments may be processed through third-party payment gateways.
The Company may not have control over third-party payment-network availability.
Users agree to provide accurate payment information and use lawful payment methods.
Our refund policy is set out on the Refunds & Cancellation page.
Our cancellation policy is set out on the Refunds & Cancellation page.
Unless otherwise stated, the Website, brand, trade name, logo, designs, software, user interface, written content, videos, courses, educational material, graphics, databases, research material, compilations, trademarks, copyrightable works and other proprietary material are owned by or licensed to the Company.
Users receive only a limited, non-exclusive, non-transferable, revocable right to access material for the permitted personal use of the Service.
Users must not:
Where the platform permits comments, reviews, posts or uploads, the user remains responsible for their content.
Users must not upload unlawful, defamatory, infringing, threatening, deceptive or malicious content.
The Company may remove content that violates applicable policies or law.
The Company may integrate third-party services, including:
Third-party services may be governed by separate terms.
The Company does not sell, distribute or promote financial products. Details of the third-party services used on this Website are set out in our Third-Party Disclosure.
\1The Company shall not claim to be a product manufacturer, broker, insurer, AMC, bank or other financial institution unless it legally is one.
The Company may have actual or potential conflicts of interest arising from:
The Company shall disclose material conflicts as required by applicable law and its actual regulatory framework.
Users may receive communications by:
Service-related communications may continue even where promotional communications are opted out, where legally permitted.
Users may opt out of marketing communications through the applicable mechanism.
Electronic communications, consent records, agreements, invoices, payment confirmations, logs, notices and other records may be stored electronically in accordance with applicable law and Company policy.
The Information Technology Act, 2000 recognizes electronic records and electronic contract formation.
Personal information shall be handled in accordance with the Company's Privacy Policy and applicable data-protection law.
Users should review the Privacy Policy before using the Services.
The Company does not guarantee uninterrupted Website, application or Service availability.
Services may occasionally be suspended for maintenance, security, upgrades, technical reasons or circumstances beyond the Company's reasonable control.
The Company shall implement reasonable technical and organizational safeguards appropriate to the Services.
However, no internet-based system can be guaranteed to be completely secure.
Users must maintain reasonable device and account security.
To the fullest extent permitted by applicable law, the Company shall not be liable for indirect, incidental, special, consequential or similar losses arising solely from a user's use of general educational or informational material, including losses attributable to market movement, investment decisions, third-party information, interruptions or technological events.
Nothing in these Terms shall:
No Claims Entertained for Market Losses or Refunds. As all educational materials, share market courses are instantly delivered upon payment, the Company maintains a strict zero-refund policy. The Company provides purely educational insights; subject to the preceding paragraph, no claims, demands or lawsuits for financial losses, trading deficits or accidental purchases will be entertained.
Maximum Legal Ceiling. To the maximum extent permitted by applicable law, if a court or regulatory authority rules that a claim must be entertained despite the above, the Company's total aggregate liability for all combined claims shall be limited to the amount paid by the user for the specific course during which the dispute arose, or INR 2,000, whichever is lesser.
To the extent permitted by law, the user agrees to indemnify and hold harmless the Company, its directors, officers and authorized personnel against claims, losses, damages, liabilities or reasonable expenses arising directly from the user's:
This clause does not apply to the extent a claim results from the Company's own non-excludable unlawful conduct.
The Company may suspend or terminate access where reasonably necessary due to:
Termination shall not automatically extinguish rights or obligations accrued before termination.
The Company may modify, discontinue or replace Services from time to time.
Where legally required or contractually appropriate, material changes shall be communicated through appropriate channels.
The Company may update these Terms to reflect changes in:
The latest version shall be published or otherwise communicated through appropriate means.
The Company shall not be responsible for delays or failures caused by events beyond reasonable control, including natural disasters, war, civil disturbance, government actions, internet failures, cyber incidents, infrastructure failures, strikes or widespread technology outages, subject to applicable law.
These Terms shall be governed by the laws of India.
Subject to mandatory statutory rights and dispute-resolution mechanisms, courts having jurisdiction at:
Pune, Maharashtra
shall have jurisdiction.
Complaints can be raised using the details in our Grievance Redressal section.
If any provision is held invalid or unenforceable, the remaining provisions shall remain in effect to the extent permitted by law.
These Terms, together with applicable service-specific agreements, policies and disclosures incorporated by reference, constitute the contractual framework governing the relevant Services, subject to applicable law.
See also: Disclosures & Disclaimers and Privacy Policy.