Effective Date: 1st Jan 2025
Welcome to Praado.com! By accessing and using this website, you agree to comply with the following terms and conditions. If you do not agree with these terms, please refrain from using our services.
1. General Terms
1.1 Praado Investment Consultancy ("we," "us," or "our") provides investment consultancy services and financial education courses.
1.2 By using this website, you agree to these terms, our Privacy Policy, and any other legal notices posted on Praado.com.
1.3 We reserve the right to update, modify, or remove any content, services, or policies at our discretion.
2. Investment Consultancy Services
2.1 No Guarantee of Returns: Our investment guidance is for educational and informational purposes only. We do not guarantee any specific financial outcomes.
2.2 Risk Disclosure: Investments are subject to market risks. Users should conduct their own research before making financial decisions.
2.3 Third-Party Services: We may recommend third-party financial services, but we are not responsible for their actions, policies, or performance.
2.4 Regulatory Compliance: We operate under AMFI and IRDA regulations. However, users must comply with all applicable financial and tax laws in their jurisdiction.
3. Learning & Courses
3.1 Course Access & Usage: Courses, eBooks, and other learning materials provided on Praado.com are for personal use only. Redistribution or resale is strictly prohibited.
3.2 No Financial Advice: While our courses provide valuable insights, they do not replace professional financial, legal, or tax advice.
3.3 Payment & Refunds: Payments for courses and digital products are non-refundable unless explicitly stated.
3.4 User Responsibilities: Users must ensure they provide accurate information during registration and payment.
4. Payments & Transactions
4.1 Secure Payments: All transactions are processed through secure payment gateways (e.g., Instamojo, PayU Money). We do not store your financial details.
4.2 Pricing: We reserve the right to update course fees, consultancy charges, or product prices at any time.
4.3 Chargebacks & Fraud: If a chargeback or fraudulent activity is detected, we may suspend access to our services.
5. Intellectual Property Rights
5.1 Ownership: All content, including courses, videos, text, logos, and graphics, is the intellectual property of Praado Investment Consultancy and may not be copied or distributed without permission.
5.2 Limited License: Users are granted a limited, non-transferable license to access and use our materials for personal learning.
6. User Conduct & Restrictions
6.1 Prohibited Activities: Users must not:
- Engage in fraudulent or illegal activities.
- Misuse or distribute our content without authorization.
- Use automated tools (bots, scrapers) to access the website.
- Post false, misleading, or defamatory content on the platform.
6.2 Account Termination: We reserve the right to suspend or terminate user accounts violating these terms.
7. Disclaimers & Limitation of Liability
7.1 No Warranties: We provide our services "as is" without warranties of any kind.
7.2 Limited Liability: We are not responsible for any financial loss, investment loss, or damages resulting from the use of our services.
7.3 Force Majeure: We shall not be liable for any disruptions caused by factors beyond our control (e.g., technical failures, cyberattacks, regulatory changes).
8. Privacy & Data Protection
8.1 User Data: We collect and use user data per our Privacy Policy to improve services and enhance user experience.
8.2 Third-Party Links: Our website may contain links to third-party websites. We are not responsible for their content or policies.
9. Governing Law & Dispute Resolution
9.1 Jurisdiction: These terms shall be governed by and construed under the laws of India.
9.2 Dispute Resolution: Any disputes shall be resolved through arbitration or mediation before legal action.
10. Contact Information
If you have any questions about these Terms and Conditions, please contact us at:
📩 Email: queries@praado.com
🌐 Website: www.praado.com