Shiv Krupa Tours & Travels

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About Us

A— TERMS & CONDITIONS —

TERMS AND CONDITIONS FOR FINANCIAL EDUCATION

Last Updated: [Insert Date]

  1. Introduction
    Welcome to Financial Education (“Company”, “we”, “our”, “us”), a business registered under UDYAM-MH-15-0165846, having its principal place of business at 4, Sangawade Wadi, Main Road Sangwade Wadi, Kolhapur – 416202, India. These Terms & Conditions (“Terms”) govern the access to and use of our website, digital platforms, educational programs, financial literacy services, consultation offerings, WhatsApp Official API communications, and RCS-based messaging services (collectively, the “Services”).

By accessing or using our Services, you confirm that you have read, understood, and agreed to be legally bound by these Terms, applicable laws of India, and all policies referenced herein. If you do not agree, you must discontinue use immediately.

  1. Definitions
    “Applicable Law” means all laws, rules, regulations, and guidelines applicable in India.
    “Client” or “User” refers to any individual, business, or entity accessing or using the Services.
    “Content” includes text, graphics, videos, training material, messages, data, and other information provided by Financial Education.
    “Platform” means our website, mobile interfaces, WhatsApp, RCS channels, and associated systems.
    “Third-Party Services” means services provided by Meta, telecom operators, cloud providers, or other partners.
  2. Acceptance of Terms
    Your use of the Services constitutes unconditional acceptance of these Terms. Continued usage after updates shall be deemed acceptance of revised Terms.
  3. Description of Services
    Financial Education provides financial literacy programs, investment awareness sessions, educational content, training modules, consultation support, and information dissemination through digital platforms, WhatsApp Official API, and RCS messaging. We do not provide guaranteed financial returns or personalized investment advice unless explicitly stated in writing.
  4. Eligibility
    Users must be at least 18 years of age and legally competent under Indian Contract Act, 1872. Businesses must be duly registered.
  5. Account Registration
    Certain Services may require account creation. Users agree to provide accurate information and maintain confidentiality of login credentials.
  6. User Responsibilities
    Users shall comply with Applicable Law, refrain from misuse, not upload unlawful content, and ensure consent before sharing contact details of third parties.
  7. Payment & Billing Terms
    Fees, if applicable, shall be communicated in advance. Payments are non-refundable unless stated otherwise. Taxes shall be borne by the User.
  8. Subscription Renewal & Termination
    Subscriptions may auto-renew unless cancelled. We reserve the right to suspend or terminate access for violations.
  9. Use of WhatsApp Official API & RCS
    Communications via WhatsApp and RCS are subject to Meta and telecom policies. Users consent to receive transactional, service, and educational messages.
  10. Message Delivery & Compliance Policy
    Delivery depends on network conditions and third-party platforms. Financial Education is not liable for delayed or failed delivery.
  11. Intellectual Property Rights
    All Content is owned by Financial Education. Unauthorized reproduction or distribution is prohibited.
  12. Confidentiality
    We maintain confidentiality of user data except as required by law or disclosed in our Privacy Policy.
  13. Disclaimer of Warranties
    Services are provided “as is” without warranties. Financial Education does not guarantee accuracy or outcomes.
  14. Limitation of Liability
    Liability shall be limited to the amount paid for Services. We are not liable for indirect or consequential damages.
  15. Indemnification
    Users agree to indemnify Financial Education against claims arising from misuse or violation of these Terms.
  16. Governing Law (India)
    These Terms are governed by the laws of India. Courts at Kolhapur, Maharashtra shall have exclusive jurisdiction.
  17. Changes to Terms
    We may modify these Terms at any time. Updated versions will be posted on our Platform.
  18. Contact Information
    Financial Education
    Address: 4, Sangawade Wadi, Main Road Sangwade Wadi, Kolhapur – 416202
    Contact: 9579951415
    Email: nileshganmale95@gmail.com

— PRIVACY POLICY —

PRIVACY POLICY OF FINANCIAL EDUCATION

Last Updated: [Insert Date]

Contact Information
Financial Education
Address: 4, Sangawade Wadi, Main Road Sangwade Wadi, Kolhapur – 416202
Contact: 9579951415
Email: nileshganmale95@gmail.com

Introduction
Financial Education respects your privacy and is committed to protecting personal data in compliance with Indian data protection laws and Meta & RCS policies.

Information We Collect
We may collect personal details, device data, cookies, message metadata, and interaction logs.

Purpose of Data Collection
Data is collected to provide Services, improve user experience, ensure compliance, and communicate effectively.

Consent for WhatsApp & RCS Data Processing
By opting in, users expressly consent to receive communications via WhatsApp and RCS.

Legal Basis for Processing
Processing is based on consent, contractual necessity, and legal obligations.

How We Use Collected Data
Data is used for service delivery, analytics, customer support, and regulatory compliance.

Data Retention & Deletion
Data is retained only as long as necessary or required by law and securely deleted thereafter.

Data Sharing with Third Parties
Data may be shared with Meta, Google, telecom operators, and service providers strictly for service delivery.

Security Measures & Encryption
We use reasonable technical and organizational safeguards to protect data.

Cookies & Tracking Technologies
Cookies are used to enhance functionality and analytics.

Data Transfer & Storage
Data is stored on secure servers located in India.

User Rights
Users may request access, correction, or deletion of personal data.

Policy for Children
Services are not intended for children under 18.

Updates to Privacy Policy
We may update this Policy periodically.

Governing Law (India)
This Policy is governed by Indian law.

Learn More
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A tour bus promoting local attractions is driving along a street. The bus is mainly white, green, and orange with advertisements for local tours and a call to advertise on the vehicle. Inside, passengers can be seen seated, enjoying the ride. In the background, there are trees and a brick building with tall windows, giving a sense of an urban or historical area.

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Your privacy matters at Shiv Krupa Tours & Travels — we handle your data with care and transparency.

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