Terms and Conditions

Welcome to NiitiFinance. These Terms and Conditions ("Terms") govern your access to and use of the NiitiFinance website at niitifinance.com (the "Site") and all content, services, and products available through the Site (collectively, the "Services"), operated by NiitiFinance ("we," "us," or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.

1. Acceptance of Terms

By creating an account, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting on the Site. Your continued use of the Services after the posting of revised Terms constitutes your acceptance of such changes. We will make reasonable efforts to notify you of significant changes through our Site or by email.

3. Account Registration and Security

To access certain features of our Services, you may be required to register for an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to:

• Create a strong password and keep it confidential
• Notify us immediately of any unauthorized use of your account or other security breaches
• Ensure that you log out of your account at the end of each session when accessing the Services on a shared computer

We reserve the right to disable your account if we have reason to believe that you have violated these Terms or if we detect suspicious activity.

4. Service Eligibility

You must be at least 16 years of age to use our Services. If you are under 18, you must have permission from a parent or guardian to use our Services and they must agree to these Terms on your behalf.

5. User Content

Our Services may allow you to post, upload, share, or store content, including but not limited to text, comments, questions, images, and videos ("User Content"). You retain ownership of any intellectual property rights in your User Content.

By posting or submitting User Content, you grant NiitiFinance a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in connection with the operation and provision of our Services.

You represent and warrant that:

• You own or have the necessary rights to the User Content you post
• The User Content does not infringe the intellectual property rights, privacy rights, or other rights of any third party
• The User Content does not contain content that is defamatory, obscene, offensive, threatening, or otherwise objectionable

We reserve the right to remove any User Content that violates these Terms or that we find objectionable for any reason, without prior notice.

6. Prohibited Activities

You agree not to engage in any of the following activities:

• Violating any applicable law, regulation, or these Terms
• Impersonating another person or entity
• Falsely stating or misrepresenting your affiliation with any person or entity
• Interfering with or disrupting the Services or servers or networks connected to the Services
• Attempting to gain unauthorized access to our Services, other accounts, computer systems, or networks
• Collecting or harvesting any personally identifiable information from other users
• Using the Services for any commercial solicitation purposes without our prior written consent
• Using automated methods to access or use the Services without our permission
• Circumventing, disabling, or interfering with security features of the Services
• Posting content that contains viruses, malware, or other harmful code

7. Intellectual Property Rights

7.1 Our Content

The content on our Services, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software ("Our Content"), is owned by NiitiFinance or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use Our Content solely for personal, non-commercial purposes related to your learning and educational needs.

7.2 Restrictions

You may not:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any of Our Content
• Access the Services through automated means (such as scraping, harvesting bots, robots, spiders, or scrapers) without our prior written permission
• Remove any copyright, trademark, or other proprietary notices from any of Our Content
• Use Our Content for any commercial purpose without our express written consent

8. E-Learning Courses and Services

8.1 Course Enrollment

When you purchase or enroll in a course or program, you receive a non-exclusive, non-transferable license to access and view the course materials for your personal, non-commercial educational purposes. You may not share your account or course access with others.

8.2 Course Availability

We strive to provide uninterrupted access to our courses, but we do not guarantee that the Services will be available at all times. We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice.

8.3 Course Updates

We may update course content periodically to ensure accuracy and relevance. While we try to notify you of significant updates, we are not obligated to inform you of all changes.

9. Payments and Refunds

9.1 Fees

Some of our Services require payment. All prices are listed in Indian Rupees (INR) unless otherwise specified. Prices are subject to change, and we will notify you of any price changes before they take effect.

9.2 Payment Methods

We accept various payment methods as indicated during the checkout process. By providing payment information, you represent and warrant that you are authorized to use the designated payment method.

9.3 Refunds

Our refund policy is outlined in our separate Refund Policy, which is incorporated into these Terms by reference. Please review our Refund Policy for details on eligibility requirements and refund procedures.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

• THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE
• DEFECTS WILL BE CORRECTED
• THE SERVICES OR SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
• THE INFORMATION PROVIDED THROUGH OUR SERVICES IS ACCURATE, RELIABLE, OR COMPLETE

10.1 Financial Disclaimer

The content on our Site and in our courses is for informational and educational purposes only. It is not intended as financial advice, investment advice, trading advice, or any other advice. You should consult with a financial advisor or other professional to determine what may be best for your individual needs.

We do not guarantee specific outcomes or results from using our educational materials. Financial markets are volatile, and past performance is not indicative of future results.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NIITIFINANCE, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

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

IN ANY EVENT, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES GIVING RISE TO THE CLAIM.

12. Indemnification

You agree to defend, indemnify, and hold harmless NiitiFinance, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your User Content caused damage to a third party

13. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or contact us to request account deletion.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the courts located in Vishakhapattanam, India, for the resolution of any disputes.

15. Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the Services shall first be addressed through informal negotiations. If the dispute cannot be resolved through negotiation, both parties agree to attempt to resolve the dispute through mediation before pursuing any other remedies.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and NiitiFinance regarding the Services and supersede all prior agreements and understandings.

18. Contact Information