Terms & Conditions

Last Updated: January 2025

Welcome to Finance Wisdom Store, operated by Aajmala Enterprises (Registration No: 57324067). These Terms and Conditions ("Terms") govern your access to and use of our website at aajmalaenterprises.com and the purchase of our financial education products and services.

1. Definitions

For the purposes of these Terms:

• "We," "Us," "Our" refers to Aajmala Enterprises, operating as Finance Wisdom Store
• "You," "Your," "Customer" refers to the individual or entity using our services
• "Website" refers to aajmalaenterprises.com and all its subdomains
• "Products" refers to all educational materials, courses, books, toolkits, and services offered
• "Account" refers to your registered user account on our platform
• "Content" refers to all text, images, videos, and materials on our website

2. Acceptance of Terms

By using our website and services, you represent that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You will comply with all applicable laws and regulations
• All information you provide is accurate and truthful
• You will maintain the confidentiality of your account credentials

3. Account Registration

3.1 Account Creation

To purchase products or access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3.2 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent activities
• Abuse or misuse our services
• Infringe on intellectual property rights

4. Products and Services

4.1 Product Descriptions

We strive to provide accurate descriptions of all products, including:

• Complete Investment Mastery Guide - $149.99
• Personal Finance Workbook Series - $89.99
• Wealth Building Masterclass - $299.99
• Tax Planning Toolkit - $129.99
• Retirement Planning Blueprint - $179.99

Product specifications, features, and pricing are subject to change without notice. We reserve the right to modify, discontinue, or update products at any time.

4.2 Product Availability

Digital products are generally available for immediate download after purchase. We do not guarantee continuous availability of all products and may limit quantities at our discretion.

4.3 Educational Purpose

All products are for educational purposes only. They do not constitute:

• Professional financial, investment, or tax advice
• Personalized recommendations for your specific situation
• Guarantees of financial success or specific outcomes
• Endorsement of any particular investment strategy

5. Pricing and Payment

5.1 Pricing

• All prices are listed in US Dollars (USD)
• Prices include applicable taxes unless otherwise stated
• We reserve the right to change prices at any time
• Promotional pricing is subject to terms and expiration dates
• Price changes do not affect orders already placed

5.2 Payment Methods

We accept the following payment methods:

• Major credit cards (Visa, MasterCard, American Express)
• Debit cards
• Digital payment platforms
• Bank transfers (for certain orders)

5.3 Payment Processing

• Payment is processed at the time of order placement
• We use secure third-party payment processors
• Your payment information is encrypted during transmission
• We do not store complete credit card information

5.4 Failed Payments

If payment fails or is declined:

• Your order will not be processed
• You will be notified of the failed transaction
• You may attempt payment again with different methods
• We are not liable for any consequences of failed payments

6. Order Processing and Delivery

6.1 Order Confirmation

After placing an order, you will receive:

• An order confirmation email
• Payment receipt
• Access instructions for digital products
• Download links (where applicable)

6.2 Digital Product Delivery

• Digital products are typically delivered within 24 hours
• Access credentials will be sent to your registered email
• Downloads may be subject to limits or expiration dates
• You are responsible for downloading and storing products

6.3 Physical Product Delivery

For physical products (if applicable):

• Delivery times vary by location
• Shipping costs are calculated at checkout
• You are responsible for providing accurate shipping information
• Risk of loss passes to you upon delivery

7. Refund Policy

Please refer to our separate Refund Policy for detailed information about:

• 30-day money-back guarantee terms
• Eligibility requirements for refunds
• Refund processing procedures
• Exceptions and limitations

8. Intellectual Property Rights

8.1 Ownership

All content on our website and in our products is protected by copyright, trademark, and other intellectual property laws. This includes:

• Text, graphics, images, and videos
• Course materials and educational content
• Software and website code
• Logos, trademarks, and brand elements
• Product designs and formatting

8.2 Limited License

Upon purchase, you receive a limited, non-exclusive, non-transferable license to:

• Access and use purchased products for personal use only
• Download materials for offline personal study
• Print materials for personal reference

8.3 Prohibited Uses

You may NOT:

• Reproduce, distribute, or sell our products
• Share account credentials or downloaded materials
• Create derivative works from our content
• Remove copyright notices or watermarks
• Use content for commercial purposes
• Reverse engineer or decompile any software
• Upload content to file-sharing platforms

9. User Conduct

You agree NOT to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit viruses, malware, or harmful code
• Attempt unauthorized access to our systems
• Interfere with website operations
• Harass, threaten, or impersonate others
• Post false, misleading, or defamatory content
• Engage in fraudulent activities
• Scrape or harvest data from our website

10. Disclaimers and Limitations of Liability

10.1 No Warranties

Our products and services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, including:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free operation

10.2 Financial Disclaimer

10.3 Limitation of Liability

To the maximum extent permitted by law, Finance Wisdom Store and Aajmala Enterprises shall not be liable for:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, revenue, or business opportunities
• Financial losses resulting from use of our products
• Data loss or corruption
• Personal injury or property damage
• Third-party actions or content

Our total liability shall not exceed the amount you paid for the specific product or service in question.

11. Indemnification

You agree to indemnify, defend, and hold harmless Finance Wisdom Store, Aajmala Enterprises, and our officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our products or services
• Your violation of these Terms
• Your violation of any third-party rights
• Your negligent or wrongful conduct

12. Third-Party Links and Services

Our website may contain links to third-party websites and services, including:

• Social media platforms (Facebook, Twitter, Instagram, LinkedIn)
• Payment processors
• Analytics providers (Google Analytics, Facebook Pixel)
• Educational resources and references

We are not responsible for:

• Content or practices of third-party websites
• Privacy policies of external services
• Accuracy of third-party information
• Transactions with third parties

13. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon:

• Posting updated Terms on our website
• Updating the "Last Updated" date
• Sending notification emails (for material changes)

Your continued use of our services after changes constitutes acceptance of modified Terms. We encourage you to review these Terms periodically.

15. Termination

15.1 Termination by You

You may terminate your account at any time by:

• Contacting customer support
• Following account closure procedures
• Ceasing use of our services

15.2 Termination by Us

We may terminate or suspend your access immediately, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activities
• Abuse of services or resources
• Non-payment or payment disputes
• Any reason at our sole discretion

15.3 Effect of Termination

Upon termination:

• Your right to access products ceases immediately
• Outstanding payments remain due
• Certain provisions survive termination (e.g., intellectual property, liability limitations)
• You must cease all use of our content and materials

16. Dispute Resolution

16.1 Informal Resolution

Before initiating formal proceedings, you agree to contact us to attempt informal resolution of disputes:

• Email: [email protected]
• Phone: +93230644310
• Address: 44, MoninGunj, Srinagar - 104982, India

16.2 Governing Law

These Terms are governed by the laws of India, without regard to conflict of law principles.

16.3 Jurisdiction

Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of courts in Srinagar, India.

16.4 Arbitration

If informal resolution fails, disputes may be resolved through binding arbitration in accordance with Indian arbitration laws, unless otherwise required by applicable consumer protection laws.

17. Miscellaneous Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Finance Wisdom Store.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect.

17.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or our right to enforce it later.

17.4 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, wars, pandemics, or technical failures.

17.6 Language

These Terms are written in English. Any translations are provided for convenience only. The English version prevails in case of conflicts.

18. Contact Information

19. Acknowledgment

By using Finance Wisdom Store's services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. You also acknowledge that these Terms constitute a legally binding agreement between you and Aajmala Enterprises.