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These Terms of Use set out the terms and conditions for use of the EFT Empowerment Hub ("Website") and any content, Public Forums, or services offered on or through the Website and/or through any mobile application(s) ("Application") (collectively referred to as the "Platform").
These Terms of Use apply to end users of the Website (referred to as "Learners", "You", "Your"). These Terms of Use, including the Privacy Policy and any other terms and conditions published on the Platform or communicated to you from time to time (collectively referred to as the "Agreement"), define the relationship and responsibilities between You and Creator (as defined herein) in using the Platform. Your access to the Platform is subject to Your acceptance of this Agreement.
When we speak of "Creator", "we", "us" and "our", we collectively mean Sushanta Kumar Padhan / EFT Empowerment Hub, being the creator of this Platform and the content/materials/services contained therein.
By accessing this Platform, You are agreeing to be bound by the terms of this Agreement, all applicable laws and regulations. If You disagree with any part of this Agreement, please do not use the Platform.
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If You are an individual, You must be at least 18 (eighteen) years of age, or, if You are between the ages of 13 and 18, You must have Your parent or legal guardian's permission to use the Platform. If You are under 13 years of age, You may neither use our Platform nor register for any content or services offered therein.
To access any Content offered on the Platform, we require You to register by providing Your name and email address. Please read our Privacy Policy to understand how we handle Your information. You may also be required to make payment of a fee to access certain Content.
For the purpose of this Agreement, "Content" shall mean any course or session (whether pre-recorded or live) published by the Creator on the Platform, including any reference materials and text files offered as part of the Content.
When You register for any Content, You may also have access to discussion forums enabling You to exchange thoughts and knowledge with us and other registrants ("Public Forum"). Participating in the Public Forum is completely Your choice.
We reserve the right to refuse access to the Platform or remove content posted by You in the Public Forums at any time without notice if, in our opinion, You have violated any provision of this Agreement.
You are granted a limited, non-exclusive license to access and view the Content on the Platform for Your own personal, non-commercial use only. You may not:
This license shall automatically terminate if You violate any of these restrictions. Upon termination, You must destroy any downloaded materials in Your possession.
The Platform includes Public Forums designed to enable You to communicate with us and other registered learners. If You choose to participate, You agree to adhere to the Code of Conduct section below. You represent and warrant that You own all rights to any content You post ("Learner Content") or are licensed to use and reproduce such content.
We are not responsible for information You choose to share on Public Forums, or for the actions of other users. By posting Learner Content, You grant us a non-exclusive, royalty-free, irrevocable, perpetual right to use, reproduce, modify, adapt, publish, and distribute such content in any media.
You agree to the following standards of conduct while using the Platform:
If any violation of the above rules comes to our notice, we reserve the right to refuse access, terminate accounts, or remove violating content at any time without notice.
We own all information and materials provided on the Platform — including Content, trademarks, logos, design, layout, audio, video, images, software, and all other data ("Creator's Intellectual Property"). You do not acquire any ownership rights to Creator's Intellectual Property by using the Platform. Unauthorized use, reproduction, or distribution of Creator's Intellectual Property is strictly prohibited under applicable intellectual property laws.
If You submit suggestions, ideas, comments, or product feedback about the Platform or any Content ("Feedback"), You grant us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute such Feedback in any form. You shall have no intellectual property rights in any Content or Platform as a result of our incorporation of Feedback.
To enrol for certain Content, You may need to pay a fee ("Content Fee"). Payment of such Content Fee is processed through third-party payment processors. Your payments may be subject to applicable taxes. Please read the terms and policies of such third-party payment processors.
Once You purchase access to Content on the Platform, the same cannot be cancelled and there shall be no refund of the Content Fee, unless otherwise stated in our Refund Policy.
We do not capture or store any sensitive personal information. All payments are processed securely through our third-party payment gateways.
THE PLATFORM IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE CREATOR EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THE CREATOR MAKES NO WARRANTY THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, OR BE ERROR-FREE.
In no event shall the Creator be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the Content or any other materials on the Platform, even if the Creator has been notified of the possibility of such damage.
You shall indemnify and hold harmless the Creator and, where applicable, its officers, directors, agents, and employees from any claim, demand, or action including reasonable attorney's fees, made by any third party or penalty imposed due to or arising out of Your breach of this Agreement or Your violation of any law, rules, regulations, or the rights of a third party.
The Creator has not reviewed all sites linked to its Platform and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the Creator of such site. Use of any linked website is at Your own risk.
Any claim relating to the Platform shall be governed by the laws of India without regard to conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts at Balangir, Odisha, India — the Creator's home jurisdiction.
If You have concerns or queries regarding this Agreement, please write to us:
Also read: Privacy Policy · Refund Policy