Terms, Privacy
& Refunds.

Terms & Conditions

By purchasing any digital product sold on this site (each, a "Product"), you agree to these terms.

• Each Product is a downloadable digital publication (PDF and related files) licensed to you, the purchaser, for your personal, non-commercial use.
• You may not resell, redistribute, republish, or share a Product or its files with others. All content is the intellectual property of the Seller.
• Products are provided "as is", for educational and informational purposes only. They are not investment, financial, legal or tax advice, and are not recommendations to buy or sell any security.
• All data is believed accurate as of its stated date but is not guaranteed; you must verify independently before acting.
• The Seller's total liability for any claim relating to a Product is limited to the amount you paid for it.
• These terms are governed by the laws of India.

Privacy Policy

We respect your privacy and collect only what is needed to complete your purchase and deliver your Product.

• What we collect: your name, email and payment confirmation, collected during checkout.
• Payments: processed securely by Razorpay. We do not see or store your full card/UPI details — Razorpay handles them under its own privacy policy and PCI-DSS security.
• Use: your email is used only to send your purchase receipt and, if needed, to provide support or your download. We do not sell your data.
• Requests: to access or delete your data, email us at the address above.
• Analytics: we use Cloudflare Web Analytics, which is cookieless and runs for every visitor. We also use Google Analytics, which sets cookies to understand traffic and how the site is used — this only runs if you accept it in the cookie banner. You can change your choice anytime via "Cookie preferences" in the footer.

Refund & Cancellation Policy

Because these are digital products delivered instantly, please read before buying.

• As each Product is delivered immediately and irreversibly on payment, all sales are final — there are no refunds or cancellations on digital products.
• If your download fails or a file is faulty, email us and we will make sure you receive a working copy — you will never pay for something you didn't receive.
• If a duplicate payment ever occurs, the duplicate will be refunded in full to your original payment method via Razorpay, typically within 5–7 working days.

Contact

Questions, support or refund requests: sganesh1721@gmail.com — we aim to reply within 1–2 business days.