Disclaimer

These courses are created solely based on Anushikha’s personal skill set and knowledge.
No intellectual property, confidential data, or proprietary tools from any current or past employer (including BNY) have been used.
These courses are not certified, endorsed, or affiliated with any employer (current or former).
All content was developed independently using her personal devices, tools, and data sets.

Introduction & Acceptance of Terms

Welcome to our course website. These Terms and Conditions (“Terms”) govern your access to and use of the website and any courses, content, or services provided through it.
This site is operated by Anushikha Dwivedi (“we”, “us”, or “our”), an individual offering self-created courses in business, finance, mindset, grooming, and professional growth to users worldwide.
By accessing this website or purchasing/enrolling in any course, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these Terms, you should not use the website or its services.

Please read these Terms carefully before using the site. They constitute a legal agreement between you (the user) and the site owner (Anushikha Dwivedi). We may update these Terms from time to time, and will notify users of material changes as described in the “Changes to Terms” section below. Your continued use of the site after updated terms are posted constitutes acceptance of those updates.

(Note: This is a beta launch of the website; certain formal details such as the business registration jurisdiction will be updated once finalized. Nonetheless, these Terms apply to all current users globally.)

Course Information and Disclaimers

The website provides access to online courses and related content created by Anushikha Dwivedi. All courses and materials are based on her personal expertise, research, and experience. No course content includes any proprietary information from any of Anushikha’s employers (past or present), and no employer or organization has endorsed or sponsored these courses. The courses are intended for personal development and educational purposes only; they are not accredited by any academic or regulatory body and do not confer any formal certification or degree.

While we strive to provide valuable and accurate information, we do not guarantee any specific results or outcomes from taking these courses. For example, we cannot promise that you will achieve a particular business goal or career advancement; your success depends on many factors outside our control. Any testimonials or examples given are illustrative and not a guarantee that you will have the same experience.

Furthermore, the content of the courses (especially those related to business or finance) is for general informational and educational purposes and should not be construed as professional advice tailored to your situation. Anushikha Dwivedi is sharing knowledge based on her own experience; she is not acting as your financial advisor, investment advisor, or other licensed professional. Nothing in the courses constitutes financial, legal, health, or other professional advice. Always exercise your own judgment and, if needed, consult a qualified professional before making decisions based on course information

User Accounts and Access

To purchase and access a course, you may need to create a user account on the website. When you register an account, you agree to provide accurate, current, and complete information about yourself. You are responsible for maintaining the confidentiality of your account login credentials and for all activities that occur under your account. If you suspect any unauthorized use of your account, you must notify us immediately so we can help secure it.

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to create an account and purchase courses. If you are under 18, you may use the site only with the involvement and consent of a parent or guardian. By creating an account or using the site, you affirm that you have the legal capacity to enter into these Terms.

You agree not to share your account with anyone else. Each account is meant for a single user’s personal use. We reserve the right to disable or terminate accounts that are found to be sharing access or engaging in suspicious activities to protect the integrity of our services.

Payments and Pricing

Pricing: All course fees are listed on the website. We reserve the right to change the price of any course or offer discounts/promotions at our discretion. However, the price that was effective at the time you purchased a course will remain your price – price changes will not be applied retroactively to purchases already completed.

Payment Methods: We accept payments through PhonePe, Google Pay, and PayPal for our courses. These payment gateways provide secure payment processing for your transactions. You may choose the appropriate option at checkout. Note that using these third-party payment services may also be subject to the terms and privacy policies of those providers.

When you make a payment, you agree to provide valid payment information. If you use a credit/debit card or UPI, you must be an authorized user of that payment method. All billing information you provide must be truthful and accurate; providing false or fraudulent information is prohibited.

We do not store your credit card or bank account details on our systems; all financial information is handled by our payment processors. For example, if you pay via PayPal, you will be directed to PayPal’s platform to complete the transaction, and we will receive confirmation once the payment is successful. Similarly, domestic payments via PhonePe or Google Pay are processed externally. We never see or store your full card numbers or UPI PINs – those are managed by the payment services. We may retain records of the transaction (date, amount, your name/email, etc.) for accounting and support purposes.

Once your payment is successfully processed, you will receive access to the course content (e.g., via an online dashboard or by receiving downloadable materials, depending on the course format). Please ensure you follow any on-screen instructions or emails for accessing your course after purchase.

Digital Course Access and License

Access to Content: Upon purchasing a course, you are granted a personal, non-transferable license to access and view the course materials for your own use. This license allows you to use the materials on the site or platform as intended (e.g., streaming videos, reading documents) and, where explicitly permitted, to download resources for personal offline use. All course content remains the intellectual property of Anushikha Dwivedi (or any content suppliers she may utilize), and your purchase does not give you ownership of the content. It gives you a limited right to use the content for learning.

License and Restrictions: All intellectual property rights in the courses and website content (including text, videos, graphics, logos, designs, downloads, and other materials) are owned by Anushikha Dwivedi. You are not buying any ownership rights by purchasing a course – you are getting a license to use the content. Specifically, we grant you a limited, non-exclusive, non-transferable license to access and use the course content for your personal or internal business use only.

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

Do not copy, reproduce, record, or distribute any course videos, slides, e-books, or other materials without our prior written permission. This includes not sharing the content with friends, family, or colleagues who have not purchased access.
Do not modify, translate, or create derivative works based on the course content. For example, you cannot take our course materials and repurpose them to create your own course, blog post, or product without permission.
Do not publish or share excerpts of the course content publicly (such as on websites, forums, or social media) beyond what is allowed under fair use, without consent.
Do not use the content for any commercial purpose or for the benefit of any third party. The license is for personal educational use only – you cannot resell the course or charge others for viewing it.

Intellectual Property Rights

All content and materials available on this website – including but not limited to the courses, videos, text, graphics, logos, button icons, images, audio clips, downloads, and software – are the property of Anushikha Dwivedi (or content suppliers, where indicated) and are protected by copyright, trademark, and other intellectual property laws. Our content is protected internationally by intellectual property laws. The compilation of all content on the site is the exclusive property of the site owner.

You may not use our trademarks, logos, or any proprietary graphics without our prior written consent. The “look and feel” of the site (including color combinations, arrangement, layout, and all design elements) are also protected and may not be copied or imitated.

We respect the intellectual property rights of others as well. If you believe that any content on our site infringes your copyright or other IP rights, please notify us with the relevant details, and we will investigate and address the issue (for instance, by removing or disabling access to the infringing material, if appropriate).

By posting any content in any interactive areas of the site (if such features exist, like comments or forums), you affirm that you have the rights to share that content and you grant us a license to use it in connection with operating the site. (At this beta stage, interactive user content is limited or not present – but this clause applies should user-generated content features be added.)

Acceptable Use Policy

When using our website and services, you agree to do so in a lawful and respectful manner. You must not misuse the website or its content. The following rules govern your conduct:

No Illegal Activities: You agree not to use the site for any purpose that is unlawful or prohibited by these Terms. Do not violate any local, state, national, or international laws or regulations while using our services.

No Harmful Actions: You must not introduce viruses, malware, or any other harmful code to the site. You must not attempt to gain unauthorized access to the website’s servers, databases, or other systems. Likewise, do not attempt any denial-of-service attack or any action that could harm the site’s functionality or other users’ access to the site.

Respect Intellectual Property:As noted, you may not share or reproduce course materials without permission. Also, do not upload or share any content on the site (if applicable) that infringes someone else’s intellectual property or other rights.

No Harassment or Abuse:If the site offers any community features (e.g., commenting, messaging), you must not post or transmit any content that is abusive, harassing, threatening, defamatory, obscene, or otherwise objectionable. Treat instructors and other users with respect.

Personal Data and Privacy: Do not misuse other users’ information. If you happen to gain access to any other user’s personal information, you must not use it for anything beyond the purpose for which it was provided to you, and you must not collect or harvest personal data from the site without consent.

Single User Access:As mentioned, your account is personal to you. Do not share your login credentials or simultaneously log in from multiple devices in a manner that suggests account sharing beyond personal use. We monitor usage for anomalies to protect content; excessive concurrent logins or IP addresses may trigger an inquiry into account sharing.

We reserve the right to investigate any suspected breach of these rules and to suspend or terminate your account or access to the site if you violate the Acceptable Use Policy or any other provision of these Terms. Serious violations (such as illegal acts or security breaches) may also be reported to law enforcement authorities.

No Refund Policy for Digital Products

All sales of courses are final. Due to the digital nature of our products and the immediate access you gain to course content upon purchase, we generally do not offer refunds, cancellations, or exchanges once a course has been purchased and accessed. When you buy a course, you receive proprietary materials and knowledge that cannot be “returned” in the way a physical product can. Therefore, please review the course description, curriculum, and any previews carefully before purchasing to ensure it meets your needs. We make efforts to provide clear information about each course to help you make an informed decision.

By purchasing a course, you agree that your purchase is final. Once a digital product is purchased and accessed, we do not offer refunds, returns, or exchanges, except as required by applicable consumer protection laws. In certain exceptional cases (for example, if you accidentally purchased the same course twice, or if you have a technical issue that prevented access to the content), you can contact us to discuss a resolution. Any such requests will be considered on a case-by-case basis at our sole discretion, but we do not guarantee any refund or exchange.

This no-refund policy does not affect any statutory rights you may have. If the law in your region mandates a “cooling-off” period or refunds for digital content in specific circumstances, we will comply with applicable laws. (For instance, EU consumers may have a right to withdraw from an online purchase within 14 days, but note: this right can be waived for digital content that has been delivered immediately. By accessing the course content, you acknowledge that you waive any right of withdrawal that might otherwise apply, to the extent permitted by law.)

We are confident in the quality of our courses and stand by our content. If you have any concerns or issues, please reach out to us – we want you to have a positive experience and will do our best to assist you within the confines of this policy.

Course Descriptions and Warranty Disclaimer

We strive to provide accurate and up-to-date information about our courses on the website. However, we do not warrant that descriptions, curriculum details, or other content on the site are free from error. There may occasionally be typographical errors or updates that have not yet been reflected on the site. We reserve the right to correct any errors and to modify course content or descriptions at any time without prior notice.
Disclaimer of Warranties: All courses, materials, and services provided through the website are offered “as is” and “as available,” without warranties of any kind, either express or implied.
To the fullest extent permitted by law, we disclaim any and all warranties, express or implied, regarding the website and the content, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not guarantee that the content is error-free, complete, or current, or that access to the website will be uninterrupted or secure.
While we have put our best efforts into creating high-quality educational content, we make no representations or guarantees that: (a) the course content will meet your specific expectations or requirements, or (b) you will achieve any particular outcome or result from using the content. You assume all risk for how you use the information. Any reliance you place on the content is at your own discretion and risk.
We also make no warranty that our website or servers are free of viruses or other harmful components, though we take precautions with security. You should use up-to-date antivirus software on your own devices for your protection.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, our warranties are limited to the minimum extent permitted by applicable law.

Limitation of Liability

To the maximum extent permitted by law, Anushikha Dwivedi (the site owner) will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of (or inability to use) the website or any courses, even if we have been advised of the possibility of such damages.
This includes, without limitation, damages for loss of profits, loss of data, personal injury, privacy or security breaches, or any other intangible losses. Our total liability to you for any claims arising from your use of the site or purchase of any course is limited to the amount you paid us for that course (or, if the claim does not relate to a purchase, to a maximum of the amount you paid us in the past 12 months for any services). In other words, if you paid $100 for a course, our liability to you will not exceed $100, regardless of the nature of the claim.
This limitation of liability applies whether the claims are based on warranty, contract, tort (including negligence), strict liability, or any other legal theory.
Exceptions:Nothing in these Terms limits or excludes our liability for gross negligence, willful misconduct, or fraud, or for anything else that cannot be limited or excluded by law. In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, our liability will be limited to the fullest extent permitted by law.
You acknowledge and agree that the limitations of liability and warranty disclaimers in these Terms are fair and reasonable, and that they form an essential basis of the arrangement between us (we would not be able to offer our courses at the current prices without such limitations).

Indemnification

You agree to indemnify and hold harmless Anushikha Dwivedi (the owner of the site), and any affiliates, agents, or partners, from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your use of the website and courses (including any use by anyone who accesses the site using your account credentials).
This means that if a third party makes a claim against us because of your conduct – for example, if you unlawfully share course content or if you defame someone via our site – you will be responsible for any costs or damages we incur as a result (including legal fees and costs), and you will defend us against such claims at your expense.
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In that case, you agree to cooperate with our defense of that claim. You agree not to settle any such matter without our prior written consent, and we will make reasonable efforts to notify you of any claim, action, or proceeding brought against us that falls under this indemnification clause.

Third-Party Links and Services

Our website or courses may contain links to third-party websites or services that are not owned or controlled by us. For example, we might link out to an article, a tool, or a payment service. Additionally, some course components might involve third-party platforms (for instance, a webinar hosted on Zoom, or course community group on a social network).
Please note: If you click on a third-party link or use an embedded third-party service, you will be directed to that third party’s site or service, which is governed by its own terms and privacy policy.
We do not have control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. Being mentioned or linked on our site does not imply endorsement or verification by us of that third party
For example, if we provide a link to an external reading or a book on Amazon, it’s for convenience and does not mean we guarantee its accuracy or relevance. Likewise, paying through PayPal means you are subject to PayPal’s terms while completing the payment.
You agree that we will not be liable for any loss or damage that may result from your use of third-party websites or services. We encourage you to read the terms and conditions and privacy policy of any third-party site you visit or service you use.

Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of [Jurisdiction to be determined]. (The specific jurisdiction and governing law will be updated once our business registration details are finalized. In the interim, we aim to adhere to generally accepted legal standards and consumer protection laws applicable in the regions where we operate and offer services.)
By using this site, you agree that if any disputes arise in relation to these Terms or your use of the website, we will first attempt to resolve them through good-faith negotiations. If we cannot resolve a dispute amicably, and unless otherwise required by law, any lawsuit or legal proceeding shall be brought in the competent courts of [Jurisdiction to be updated]. You consent to the personal jurisdiction of such courts for litigating any such claims.
If you are a consumer in the European Union, you may have the right to bring claims in your country of residence under certain conditions. These Terms are not intended to limit any consumer protection rights that are mandatory under your local laws.

Changes to Terms & Conditions

We reserve the right to modify or update these Terms & Conditions at any time. If we make changes, we will post the updated Terms on this page and update the “Last updated” date. Material changes may be announced via email or via a prominent notice on the site. It is your responsibility to review these Terms periodically for any updates.
By continuing to use the website after any revisions become effective, you agree to be bound by the updated Terms. If you do not agree to the new terms, please stop using the site. We may also require you to explicitly accept the new terms to continue using certain services.
Your continued use of the site following the posting of changes constitutes acceptance of those changes. If any change is unacceptable to you, you should cease using our services.

Contact Information

If you have any questions, concerns, or feedback regarding these Terms & Conditions, please contact us at [contact email address]. We will do our best to respond promptly. By contacting us, you acknowledge that any communication does not modify these Terms unless we have agreed in writing to a variation.
Thank you for reading our Terms and for using the website responsibly. We appreciate your trust in our courses and are excited to help you in your learning journey while ensuring clarity and fairness in our mutual commitments. Your cooperation with these Terms helps us maintain a supportive learning environment for everyone.