Terms & Conditions -
1. Introduction
· By using our website (learnwithkaruna.com), you agree to our terms and conditions. If you do not accept them, please do not use
the site.
· This policy applies to the website and all products and services offered by CA Karuna Jaiswal.
2. License & Use
· Your purchase of a product grants you a non-exclusive, non-transferable license to access it for personal use only.
· You may not copy, resell, sublicense, rent, share, or distribute our products, whether modified or not, to any third party.
3. Intellectual Property
· All content is owned by [CA Karuna Jaiswal] or her licensors and is protected by applicable copyright and intellectual property laws.
· You may not republish, reproduce, or redistribute any content without written permission.
4. Non-Personal Information
· We may collect non-personal information such as browser type, OS, and device info to improve our service.
5. Cookies
· We use cookies to enhance your experience. Cookies help track preferences and usage data.
· You can control cookie settings through your browser, but disabling them may affect site functionality.
6. User Content
· Comments or content posted by users reflect their views and not necessarily ours.
· We reserve the right to moderate, edit, or remove content deemed inappropriate.
7. Account Deletion
· Users may request account deletion by submitting a request via our contact form.
· Verification steps will be taken before deletion. Upon confirmation, all personal data will be permanently deleted in compliance with
privacy laws.
8. I-Frames
· Framing of our website is not allowed without written permission.
9. Legal Disclaimer & Limitation of Liability
· We offer our content “as-is” and do not guarantee accuracy or availability or fitness for a particular purpose.
· We are not liable for any direct or indirect or incidental damages arising from the use of our site or content or products.
10. Governing Law
· These terms are governed by Indian law.
· Disputes shall be subject to the exclusive jurisdiction of the courts in India.
11. Updates to Terms
· We may update these terms at any time. Continued use of the site implies acceptance of any changes.
· We encourage users to periodically review this page for updates.
12. Contact Us
· For questions regarding these terms, contact us at:
· 📧 [[email protected]]
Privacy Policy –
Effective Date: 1st April 2025
1. Information We Collect
· Name, email, phone number, address.
· Profile details (if applicable): profile photo, gender.
· Technical data: IP address, browser type, location, pages visited.
· Login and data via third-party platforms (Google, Facebook, etc.).
· Purchase and transaction data (via our payment gateways).
· Communication and feedback submitted through our website.
2. How We Use Your Data
· Provide and personalize our services.
· Send digital products, notifications, and newsletters (if subscribed).
· Process payments and handle support queries.
· Prevent fraud and ensure site security.
· Improve our platform and understand user behavior.
3. Cookies
· We use cookies to:
- Track site usage and improve your experience.
- Enable essential features such as login and cart functionality.
· You can manage or disable cookies in your browser settings. Note that disabling cookies may affect site performance.
4. Sharing Your Data
· We do not sell your data. We may share your data with:
- Trusted service providers (e.g., email platforms, analytics, payment gateways).
- Legal authorities when required by law.
- Payment processors (e.g., Razorpay) for handling transactions.
5. Data Retention
· We retain your personal information:
- As long as needed to provide services and meet legal obligations.
- For legal defense, fraud prevention, or compliance purposes.
6. Your Rights
· Request access, correction, or deletion of your data.
· Contact us to manage your personal data.
7. Security Measures
· We take reasonable technical and organizational precautions to protect your data.
· However, no system is 100% secure. You are responsible for keeping your login credentials safe.
8. No Refund Policy
· All digital product purchases (e.g., video tutorials, downloads) are non-refundable.
· As per Indian law on digital goods:
- No refunds will be issued once the content is accessed or downloaded.
- Exceptions: Duplicate payment or technical issues caused by us (reported within 7 days).
9. Changes to This Policy
· We may update this policy. Changes will be posted here with a revised “Effective Date.”
10. Contact Us
· For questions or concerns, contact us at: