Terms and Conditions
Effective Date: 26/10/2025
Welcome to RAVISHANKARJHA.COM (“Website”, “we”, “our”, or “us”).
By accessing or using our website, courses, or consultancy services, you (“you”, “user”, or “client”) agree to comply with and be bound by these Terms and Conditions (“Terms”).
If you do not agree with these Terms, please do not use our Services.
1. Acceptance of Terms
By using our website, registering for any online course, or booking a consultancy session, you acknowledge that you are at least 18 years of age and legally capable of entering into a binding agreement.
Your continued use of the website constitutes acceptance of these Terms.
2. Services Provided
RAVISHANKARJHA.COM provides:
- Online courses and training programs related to Real Estate Investment, Home Loan Planning, Financial Education, Home Purchasing Guides, and other property and finance topics.
- Personalized consultancy sessions offering advice on property buying, home loan structuring, and financial planning.
We reserve the right to modify or discontinue any service, content, or pricing at any time without prior notice.
3. User Responsibilities
You agree to:
- Provide accurate and complete information during registration and transactions.
- Use our Services only for lawful purposes.
- Not copy, share, resell, or redistribute any of our educational or consultancy content.
- Refrain from any activity that may harm the website or interfere with other users’ experience.
4. Intellectual Property Rights
All materials on RAVISHANKARJHA.COM — including but not limited to text, graphics, videos, audio, designs, documents, and logos — are owned by Ravishankar Jha and protected under Indian copyright and intellectual property laws.
You may not copy, reproduce, modify, sell, or distribute our content without express written consent.
5. Payment Terms
All payments are processed securely through Cashfree and may include UPI, credit/debit cards, and net banking.
All prices are shown in Indian Rupees (₹).
You agree to pay all applicable charges at the time of purchase.
Access to services will be granted only after successful payment confirmation.
6. Refund and Cancellation Policy
- Courses: All courses are digital products. Once purchased, no refund will be issued after the transaction is completed.
- Consultancy: You may request a refund only before the scheduled meeting. After a consultancy session has occurred, no refund will be provided.
- Rescheduling: Consultancy sessions can be rescheduled once, provided you inform us at least 24 hours before the booked time.
- Refunds, if applicable, will be processed within 7–10 business days to the original payment method.
7. Account and Access
- You are responsible for maintaining the confidentiality of your account credentials.
- Any activity conducted through your account will be considered authorized by you.
- We may suspend or terminate your account if we suspect misuse, breach of terms, or illegal activity.
8. Disclaimer of Liability
Our courses and consultancy services are for educational and informational purposes only.
They do not constitute professional financial, legal, or investment advice.
Decisions made based on our content or advice are solely at your own risk.
We are not liable for any direct, indirect, or consequential losses arising from your use of the Services.
9. Third-Party Links
Our website may contain links to external or third-party websites.
We are not responsible for the content, accuracy, or practices of any third-party websites and disclaim all liability for their use.
10. Limitation of Liability
To the maximum extent permitted by law, RAVISHANKARJHA.COM and Ravishankar Jha shall not be liable for:
- Any loss of data, profit, or business,
- Service interruption or technical issues, or
- Any indirect or consequential damages arising out of your use or inability to use our website or services.
11. Privacy
Your personal information is handled according to our Privacy Policy, which outlines how we collect, store, and use your data.
By using our Services, you consent to this policy.
https://ravishankarjha.com/privacy-policy/
12. Modification of Terms
We reserve the right to update or revise these Terms at any time without notice.
The latest version will always be available on this page.
Your continued use of the Services after updates means you accept the revised Terms.
13. Governing Law and Jurisdiction
These Terms are governed by the laws of India.
Any disputes or claims arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Delhi, India.
14. Contact Information
For any questions, complaints, or legal concerns, please contact:
Owner: Ravishankar Jha
Email: info@ravishankarjha.com
Phone: +91 8882927554
Address: Delhi, India (Online Business)