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Terms of Use, Refund & Privacy Policies


TERMS OF USE - SAKSHI BHARDWAJ WEBSITE


GENERAL

“WE,” “OUR”, ”US”, “COMPANY” MEANS SAKSHI BHARDWAJ AND ITS/ HER AFFILIATES. “YOU,” “YOUR,” VISITOR,” OR “USER” MEANS THE INDIVIDUAL ACCESSING THIS SITE. “SITE” MEANS THE LANDING PAGE, WEBSITE AND/ OR ANY OTHER WEBPAGE WHERE THESE TERMS OF SERVICE MAY BE APPLICABLE AND/ OR DISPLAYED AS REQUIRED BY LAW. 

BY USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE AND TO USE THE SITE IN ACCORDANCE WITH THESE TERMS OF SERVICE, OUR PRIVACY POLICY, AND ANY ADDITIONAL TERMS AND CONDITIONS THAT MAY APPLY TO SPECIFIC SECTIONS OF THE SITE OR TO PRODUCTS AND SERVICES AVAILABLE THROUGH THE SITE OR FROM SAKSHI BHARDWAJ AND/ OR HER COMPANY. ACCESSING THE SITE, IN ANY MANNER, WHETHER AUTOMATED OR OTHERWISE, CONSTITUTES USE OF THE SITE AND YOUR AGREEMENT TO BE BOUND BY THESE TERMS OF SERVICE.

WE RESERVE THE RIGHT TO CHANGE THESE TERMS OF SERVICE OR TO IMPOSE NEW CONDITIONS ON USE OF THE SITE, FROM TIME TO TIME, IN WHICH CASE WE WILL POST THE REVISED TERMS OF SERVICE ON THIS SITE. BY CONTINUING TO USE THE SITE AFTER WE POST ANY SUCH CHANGES, YOU ACCEPT THE TERMS OF

SERVICE, AS MODIFIED.


INTELLECTUAL PROPERTY RIGHTS.
OUR LIMITED LICENSE TO YOU 

THIS SITE AND ALL THE MATERIALS AVAILABLE ON THE SITE ARE THE PROPERTY OF US AND/OR OUR AFFILIATES OR LICENSORS, AND ARE PROTECTED BY COPYRIGHT, TRADEMARK, AND OTHER INTELLECTUAL PROPERTY LAWS. THE

SITE IS PROVIDED SOLELY FOR YOUR PERSONAL NON COMMERCIAL USE. YOU MAY NOT USE THE SITE OR THE MATERIALS AVAILABLE ON THE SITE IN A MANNER THAT CONSTITUTES AN INFRINGEMENT OF OUR RIGHTS OR THAT HAS NOT BEEN AUTHORISED BY US. MORE SPECIFICALLY, UNLESS EXPLICITLY AUTHORISED IN THESE TERMS OF SERVICE OR BY THE OWNER OF THE MATERIALS, YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, TRANSLATE, SELL, CREATE DERIVATIVE WORKS, EXPLOIT, OR DISTRIBUTE IN ANY MANNER OR MEDIUM (INCLUDING BY EMAIL OR OTHER ELECTRONIC MEANS) ANY MATERIAL FROM THE SITE.

YOU MAY, HOWEVER, FROM TIME TO TIME, DOWNLOAD AND/OR PRINT ONE COPY OF INDIVIDUAL PAGES OF THE SITE FOR YOUR PERSONAL, NON-COMMERCIAL USE, PROVIDED THAT YOU KEEP INTACT ALL COPYRIGHT AND OTHER PROPRIETARY NOTICES.

YOUR LICENSE TO US

BY POSTING OR SUBMITTING ANY MATERIAL (INCLUDING, WITHOUT LIMITATION, COMMENTS, BLOG ENTRIES, SOCIAL MEDIA POSTINGS, PHOTOS, AND VIDEOS) TO US VIA THE SITE, INTERNET GROUPS, SOCIAL MEDIA VENUES, OR TO ANY OF OUR STAFF VIA EMAIL, TEXT, OR OTHERWISE, YOU ARE REPRESENTING: 

(I) THAT YOU ARE THE OWNER OF THE MATERIAL, OR ARE MAKING YOUR POSTING OR SUBMISSION WITH THE EXPRESS CONSENT OF THE OWNER OF THE MATERIAL; AND 

(II) THAT YOU ARE SIXTEEN YEARS OF AGE OR OLDER. IN ADDITION, WHEN YOU SUBMIT, EMAIL, TEXT OR DELIVER OR POST ANY MATERIAL, YOU ARE GRANTING US, AND ANYONE AUTHORISED BY US, A ROYALTY-FREE, PERPETUAL, IRREVOCABLE, NON-EXCLUSIVE, UNRESTRICTED, WORLDWIDE LICENSE TO USE, COPY, MODIFY, TRANSMIT, SELL, EXPLOIT, CREATE DERIVATIVE WORKS FROM, DISTRIBUTE, AND/OR PUBLICLY PERFORM OR DISPLAY SUCH MATERIAL, IN WHOLE OR IN PART, IN ANY MANNER OR MEDIUM, NOW KNOWN OR HEREAFTER DEVELOPED, FOR ANY PURPOSE. BY DOING SO, YOU RELINQUISH ANY AND ALL RIGHTS AS BEING THE AUTHOR OF THE WORK AND MAY NOT CLAIM OWNERSHIP OF COPYRIGHT AND RIGHTS OF THE OWNER UNDER CHAPTER IV OF THE COPYRIGHT ACT 1957. THE FOREGOING GRANT SHALL INCLUDE THE RIGHT TO EXPLOIT ANY PROPRIETARY RIGHTS IN SUCH POSTING OR SUBMISSION, INCLUDING, BUT NOT LIMITED TO, RIGHTS UNDER COPYRIGHT, TRADEMARK, SERVICE MARK, OR PATENT LAWS UNDER ANY RELEVANT JURISDICTION. ALSO, IN CONNECTION WITH THE EXERCISE OF SUCH RIGHTS, YOU GRANT US, AND ANYONE AUTHORISED BY US, THE RIGHT TO IDENTIFY YOU AS THE AUTHOR OF ANY OF YOUR POSTINGS OR SUBMISSIONS BY NAME, EMAIL ADDRESS OR SCREEN NAME, AS WE DEEM APPROPRIATE. 

YOU ACKNOWLEDGE AND AGREE THAT ANY CONTRIBUTIONS ORIGINALLY CREATED BY YOU FOR US UNDER ANY SHORT/LONG TERM EMPLOYMENT, WHETHER PART OR FULL, AND/ OR CONTRACT OF SERVICE OR APPRENTICESHIP, THE WORK SHALL BELONG TO COMPANY AS LAID DOWN U/S 17 OF THE COPYRIGHT ACT, 1957. AS SUCH, THE COPYRIGHTS IN THOSE WORKS SHALL BELONG TO COMPANY. THUS, COMPANY SHALL BE DEEMED THE AUTHOR AND EXCLUSIVE OWNER THEREOF AND SHALL HAVE THE RIGHT TO EXPLOIT ANY OR ALL OF THE RESULTS AND PROCEEDS IN ANY AND ALL MEDIA, NOW KNOWN OR HEREAFTER DEVISED, THROUGHOUT THE UNIVERSE, IN PERPETUITY, IN ALL LANGUAGES, AS COMPANY DETERMINES. 

IN THE EVENT THAT ANY OF THE RESULTS AND PROCEEDS OF YOUR SUBMISSIONS HEREUNDER ARE NOT DEEMED A “WORK MADE FOR HIRE” U/S 17 OF THE COPYRIGHT ACT, 1958 AS AMENDED, IN THE ABSENCE OF A CONTRACT YOU HEREBY, WITHOUT ADDITIONAL COMPENSATION, IRREVOCABLY ASSIGN, CONVEY AND TRANSFER TO COMPANY ALL PROPRIETARY RIGHTS, INCLUDING WITHOUT LIMITATION, ALL COPYRIGHTS, AND TRADEMARKS CREATED DURING THE TENURE OF YOUR SHORT TERM/ LONG TERM EMPLOYMENT, WHETHER IN PART OR FULL AND/ OR CONTACT OF SERVICE OR APPRENTICESHIP, IN PERPETUITY IN EVERY MEDIUM, WHETHER NOW KNOWN OR HEREAFTER DEVISED DURING SAID CONTRACT TENURE, TO SUCH MATERIAL AND ANY AND ALL RIGHT, TITLE AND INTEREST IN AND TO ALL SUCH PROPRIETARY RIGHTS IN EVERY MEDIUM, WHETHER NOW KNOWN OR HEREAFTER DEVISED, THROUGHOUT THE UNIVERSE, IN PERPETUITY. ANY POSTED MATERIAL WHICH ARE REPRODUCTIONS OF PRIOR WORKS BY YOU SHALL BE CO-OWNED BY US.

YOU ACKNOWLEDGE THAT COMPANY HAS THE RIGHT BUT NOT THE OBLIGATION TO USE AND DISPLAY ANY POSTINGS OR CONTRIBUTIONS OF ANY KIND AND THAT COMPANY MAY ELECT TO CEASE THE USE AND DISPLAY OF ANY SUCH MATERIALS (OR ANY PORTION THEREOF), AT ANY TIME FOR ANY REASON WHATSOEVER. LIMITATIONS ON LINKING AND FRAMING. YOU MAY ESTABLISH A HYPERTEXT LINK TO THE SITE SO LONG AS THE LINK DOES NOT STATE OR IMPLY ANY SPONSORSHIP OF YOUR SITE BY US OR BY THE SITE. HOWEVER, YOU MAY NOT, WITHOUT OUR PRIOR WRITTEN PERMISSION, FRAME OR INLINE LINK ANY OF THE CONTENT OF THE SITE, OR INCORPORATE INTO ANOTHER WEBSITE OR OTHER SERVICE ANY OF OUR MATERIAL, CONTENT, OR INTELLECTUAL PROPERTY.


DISCLAIMERS

THROUGHOUT THE SITE, WE MAY PROVIDE LINKS AND POINTERS TO INTERNET SITES MAINTAINED BY THIRD PARTIES. OUR LINKING TO SUCH THIRD-PARTY SITES DOES NOT IMPLY AN ENDORSEMENT OR SPONSORSHIP OF SUCH SITES OR THE INFORMATION, PRODUCTS, OR SERVICES OFFERED ON OR THROUGH THE SITES. IN ADDITION, NEITHER WE NOR OUR AFFILIATES OPERATE OR CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS, OR SERVICES THAT THIRD PARTIES MAY PROVIDE ON OR THROUGH THE SITE OR ON WEBSITES LINKED TO BY US ON THE SITE.

IF APPLICABLE, ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS, OR OTHER INFORMATION OR CONTENT EXPRESSED OR MADE AVAILABLE BY THIRD PARTIES, INCLUDING INFORMATION PROVIDERS, ARE THOSE OF THE RESPECTIVE AUTHORS OR DISTRIBUTORS, AND NOT COMPANY. NEITHER COMPANY NOR ANY THIRD-PARTY PROVIDER OF INFORMATION GUARANTEES THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY CONTENT.

FURTHERMORE, COMPANY NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY AND RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE ON ANY OF THE SITES BY ANYONE OTHER THAN AN AUTHORISED COMPANY REPRESENTATIVE WHILE ACTING IN HIS/HER OFFICIAL CAPACITY.

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY THE COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL

WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT

ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR

THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS,

RELIABILITY, OR OTHERWISE. YOU AGREE AT ALL TIMES TO DEFEND, INDEMNIFY AND HOLD HARMLESS COMPANY, ITS AFFILIATES, THEIR SUCCESSORS, TRANSFEREES, ASSIGNEES AND LICENSEES, AND THEIR RESPECTIVE PARENT AND SUBSIDIARY COMPANIES, AGENTS, ASSOCIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, AND EMPLOYEES OF EACH, FROM AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DAMAGES, LIABILITIES, COSTS, AND EXPENSES, INCLUDING LEGAL FEES AND EXPENSES, ARISING OUT OF OR RELATED TO YOUR BREACH OF ANY OBLIGATION, WARRANTY, REPRESENTATION OR COVENANT SET FORTH HEREIN. 

YOUR SUCCESS OR LACK OF IT: YOUR SUCCESS IN USING THE INFORMATION OR STRATEGIES PROVIDED AT SITE, LANDING PAGE(S), ONLINE AD PLATFORMS, PAID AD LINKS, SOCIAL MEDIA, TALKS AND SPEECHES DEPENDS ON A VARIETY OF FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR WORK ETHIC, YOUR DEDICATION, YOUR MOTIVATION, YOUR DESIRE, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE, WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL GET RICH, THAT YOU WILL DO AS WELL, OR THAT YOU WILL HAVE ANY EARNINGS (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT), AT ALL. INTERNET/ DIGITALLY BASED BUSINESSES AND EARNINGS DERIVED THEREFROM, INVOLVE UNKNOWN RISKS AND ARE NOT SUITABLE FOR EVERYONE. YOU MAY NOT RELY ON ANY INFORMATION PRESENTED ON THE WEBSITE OR OTHERWISE PROVIDE BY US UNLESS YOU DO SO WITH THE KNOWLEDGE AND UNDERSTANDING THAT YOU CAN EXPERIENCE SIGNIFICANT LOSSES (INCLUDING, BUT NOT LIMITED TO, THE LOSS OF ANY MONEY PAID TO PURCHASE SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES, AND/OR ANY MONEY SPENT SETTING, OPERATING, AND/OR MARKETING SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES, AND FURTHER, THAT YOU MAY HAVE NO EARNINGS AT ALL (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT).

FORWARD-LOOKING STATEMENTS. MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING AND/ OR HAVING REFERENCES TO THE SECURITIES ACT SECTION 27A(I)(1) AND EXCHANGE ACT SECTION 21B (I)(1). BOTH ACTS DEFINE "FORWARD-LOOKING STATEMENTS" TO INCLUDE: PROJECTIONS OF REVENUES, INCOME (INCLUDING LOSS), EARNINGS (INCLUDING LOSS) PER SHARE, CAPITAL EXPENDITURES, DIVIDENDS, CAPITAL STRUCTURE AND OTHER FINANCIAL ITEMS. CERTAIN FORWARD-LOOKING STATEMENTS RELATING TO SAKSHI BHARDWAJ THAT ARE BASED ON THE BELIEFS OF SAKSHI BHARDWAJ’S MANAGEMENT AS WELL AS ASSUMPTIONS MADE BY AND INFORMATION CURRENTLY AVAILABLE TO HER MANAGEMENT. THESE FORWARD-LOOKING STATEMENTS ARE, BY THEIR NATURE, SUBJECT TO SIGNIFICANT RISKS AND UNCERTAINTIES. THESE FORWARD-LOOKING STATEMENTS INCLUDE, WITHOUT LIMITATION, STATEMENTS RELATING TO FUTURE DEVELOPMENTS, TRENDS AND CONDITIONS IN THE INDUSTRY AND MARKETS IN WHICH SAKSHI BHARDWAJ OPERATES, INCLUDING BUT NOT LIMITED TO STRATEGIES, PLANS, OBJECTIVES AND GOALS, ABILITY TO CONTROL COSTS, STATEMENTS RELATING TO PRICES, VOLUMES, OPERATIONS, MARGINS, OVERALL MARKET TRENDS, RISK MANAGEMENT AND EXCHANGE RATES. WHEN USED HEREIN, THE WORDS “ANTICIPATE”, “BELIEVE”, “COULD”, “ESTIMATE”, “EXPECT”, “GOING FORWARD”, “INTEND”, “MAY”, “OUGHT TO”, “PLAN”, “PROJECT”, “SEEK”, “SHOULD”, “WILL”, “WOULD” AND SIMILAR EXPRESSIONS, AS THEY RELATE TO SAKSHI BHARDWAJ OR HER MANAGEMENT AND/ OR OFFICE, ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS. FORWARD-LOOKING STATEMENTS GIVE YOU OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE. ANY AND ALL FORWARD-LOOKING STATEMENTS HERE, IN OTHER MATERIALS CONTAINED ON THIS WEBSITE, OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE, IN FACT, NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL. THESE FORWARD-LOOKING STATEMENTS REFLECT SAKSHI BHARDWAJ’S VIEWS AT THE TIME SUCH STATEMENT WERE MADE WITH RESPECT TO FUTURE EVENTS AND ARE NOT A GUARANTEE OF FUTURE PERFORMANCE OR DEVELOPMENTS. YOU ARE STRONGLY CAUTIONED THAT RELIANCE ON ANY FORWARD-LOOKING STATEMENTS INVOLVES KNOWN AND UNKNOWN RISKS AND UNCERTAINTIES. ACTUAL RESULTS AND EVENTS MAY DIFFER MATERIALLY FROM INFORMATION CONTAINED IN THE FORWARD-LOOKING STATEMENTS AS A RESULT OF A NUMBER OF FACTORS, INCLUDING ANY CHANGES IN THE LAWS, RULES AND REGULATIONS RELATING TO ANY ASPECTS OF SAKSHI BHARDWAJ’S BUSINESS OPERATIONS, GENERAL ECONOMIC, MARKET AND BUSINESS CONDITIONS, INCLUDING CAPITAL MARKET DEVELOPMENTS, CHANGES OR VOLATILITY IN INTEREST RATES, FOREIGN EXCHANGE RATES, EQUITY PRICES OR OTHER RATES OR PRICES, THE ACTIONS AND DEVELOPMENTS OF SAKSHI BHARDWAJ’S COMPETITORS AND THE EFFECTS OF COMPETITION IN THE INSURANCE INDUSTRY ON THE DEMAND FOR, AND PRICE OF, SAKSHI BHARDWAJ’S PRODUCTS AND/ OR SERVICES, VARIOUS BUSINESS OPPORTUNITIES THAT SAKSHI BHARDWAJ MAY OR MAY NOT PURSUE, CHANGES IN POPULATION GROWTH AND OTHER DEMOGRAPHIC TRENDS, INCLUDING MORTALITY, MORBIDITY AND LONGEVITY RATES, PERSISTENCY LEVELS, SAKSHI BHARDWAJ’S ABILITY TO IDENTIFY, MEASURE, MONITOR AND CONTROL RISKS IN HER BUSINESS, INCLUDING THE ABILITY TO MANAGE AND ADAPT THE OVERALL RISK PROFILE AND RISK MANAGEMENT PRACTICES, HER ABILITY TO PROPERLY PRICE ITS PRODUCTS AND SERVICES AND ESTABLISH RESERVES FOR FUTURE POLICY BENEFITS AND CLAIMS, SEASONAL FLUCTUATIONS AND FACTORS BEYOND SAKSHI BHARDWAJ’S CONTROL. YOU SHOULD NOT PLACE RELIANCE ON ANY FORWARD-LOOKING INFORMATION OR STATEMENTS. ALL FORWARD-LOOKING STATEMENTS HEREIN ARE QUALIFIED BY REFERENCE TO THE CAUTIONARY STATEMENTS SET FORTH IN THIS SECTION.

DUE DILIGENCE. YOU ARE ADVISED TO DO YOUR OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND SHOULD USE CAUTION AND SEEK THE ADVICE OF QUALIFIED PROFESSIONALS. YOU SHOULD CHECK WITH YOUR ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR, BEFORE ACTING ON THIS OR ANY INFORMATION. YOU MAY NOT CONSIDER ANY EXAMPLES, DOCUMENTS, OR OTHER CONTENT ON THE WEBSITE, LANDING PAGE OR OTHERWISE PROVIDED BY US TO BE THE EQUIVALENT OF PROFESSIONAL ADVICE. NOTHING CONTAINED ON THE WEBSITE, LANDING PAGE(S), SOCIAL MEDIA ACCOUNTS OR IN MATERIALS AVAILABLE FOR SALE OR DOWNLOAD ON ANY OF THESE SITES PROVIDES PROFESSIONAL ADVICE IN ANY WAY. YOU SHOULD CONSULT WITH YOUR OWN ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR FOR ANY QUESTIONS YOU MAY HAVE. WE ASSUME NO RESPONSIBILITY FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF ANY LINK, INFORMATION, OR OPPORTUNITY CONTAINED WITHIN THESE WEBSITES OR WITHIN ANY INFORMATION DISCLOSED BY THE OWNER OF THIS SITE IN ANY FORM WHATSOEVER.

PURCHASE PRICE. ALTHOUGH WE BELIEVE THE PRICE IS FAIR FOR THE VALUE THAT YOU RECEIVE, YOU UNDERSTAND AND AGREE THAT THE PURCHASE PRICE FOR SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES HAS BEEN ARBITRARILY SET BY US. THIS PRICE BEARS NO RELATIONSHIP TO OBJECTIVE STANDARDS.


ONLINE COMMERCE

CERTAIN SECTIONS OF THE SITE MAY ALLOW YOU TO PURCHASE MANY DIFFERENT TYPES OF PRODUCTS AND SERVICES ONLINE THAT ARE PROVIDED BY THIRD PARTIES. WE ARE NOT RESPONSIBLE FOR THE QUALITY, ACCURACY, TIMELINESS, RELIABILITY, OR ANY OTHER ASPECT OF THESE PRODUCTS AND SERVICES. IF YOU MAKE A PURCHASE FROM A MERCHANT ON THE SITE OR ON A SITE LINKED TO BY THE SITE, THE INFORMATION OBTAINED DURING YOUR VISIT TO THAT MERCHANT’S ONLINE STORE OR SITE, AND THE INFORMATION THAT YOU GIVE AS PART OF THE TRANSACTION, SUCH AS YOUR DEBIT/CREDIT CARD NUMBER AND CONTACT INFORMATION, MAY BE COLLECTED BY BOTH THE MERCHANT AND US. A MERCHANT MAY HAVE PRIVACY AND DATA COLLECTION PRACTICES THAT ARE DIFFERENT FROM OURS. WE HAVE NO RESPONSIBILITY OR LIABILITY FOR THESE INDEPENDENT POLICIES. IN ADDITION, WHEN YOU PURCHASE PRODUCTS OR SERVICES ON OR THROUGH THE SITE, YOU MAY BE SUBJECT TO ADDITIONAL TERMS AND CONDITIONS THAT SPECIFICALLY APPLY TO YOUR PURCHASE OR USE OF SUCH PRODUCTS OR SERVICES. FOR MORE INFORMATION REGARDING A MERCHANT, ITS ONLINE STORE, ITS PRIVACY POLICIES, AND/OR ANY ADDITIONAL TERMS AND CONDITIONS THAT MAY APPLY, VISIT THAT MERCHANT’S WEBSITE AND CLICK ON ITS INFORMATION LINKS OR CONTACT THE MERCHANT DIRECTLY. YOU RELEASE US AND OUR AFFILIATES FROM ANY DAMAGES THAT YOU INCUR AND AGREE NOT TO ASSERT ANY CLAIMS AGAINST US OR THEM, ARISING FROM YOUR PURCHASE OR USE OF ANY PRODUCTS OR SERVICES MADE AVAILABLE BY MERCHANTS AND/ OR THIRD PARTIES THROUGH THE SITE.

YOUR PARTICIPATION, CORRESPONDENCE, OR BUSINESS DEALINGS WITH ANY THIRD PARTY FOUND ON OR THROUGH OUR SITE, REGARDING PAYMENT AND DELIVERY OF SPECIFIC GOODS AND SERVICES, AND ANY OTHER TERMS, CONDITIONS, REPRESENTATIONS, OR WARRANTIES ASSOCIATED WITH SUCH DEALINGS, ARE SOLELY BETWEEN YOU AND SUCH THIRD PARTY. YOU AGREE THAT COMPANY SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS, DAMAGE, OR OTHER MATTERS OF ANY SORT INCURRED AS THE RESULT OF SUCH DEALINGS.

YOU AGREE TO BE FINANCIALLY RESPONSIBLE FOR ALL PURCHASES MADE BY YOU OR SOMEONE ACTING ON YOUR BEHALF THROUGH THE SITE. YOU AGREE TO USE THE SITE AND TO PURCHASE SERVICES OR PRODUCTS THROUGH THE SITE FOR LEGITIMATE, NON-COMMERCIAL PURPOSES ONLY. YOU ALSO AGREE NOT TO MAKE ANY PURCHASES FOR SPECULATIVE, FALSE, OR FRAUDULENT PURPOSES OR FOR THE PURPOSE OF ANTICIPATING DEMAND FOR A PARTICULAR PRODUCT OR SERVICE OR FOR THE PURPOSES TO RESELL OR REUSE THE INFORMATION RECEIVED “AS IS” FROM THE SITE. YOU AGREE TO ONLY PURCHASE GOODS OR SERVICES FOR YOURSELF OR FOR ANOTHER PERSON FOR WHOM YOU ARE LEGALLY PERMITTED TO DO SO. WHEN MAKING A PURCHASE FOR A THIRD PARTY THAT REQUIRES YOU TO SUBMIT THE THIRD PARTY’S PERSONAL INFORMATION TO US OR A MERCHANT, YOU REPRESENT THAT YOU HAVE OBTAINED THE EXPRESS CONSENT OF A SUCH THIRD PARTY TO PROVIDE SUCH THIRD PARTY’S PERSONAL INFORMATION.

YOUR PURCHASE IS FOR PERSONAL USE ONLY. SHARING OF PURCHASES IS NOT PERMITTED AND WILL BE CONSIDERED UNAUTHORISED, AN INFRINGING USE OF OUR COPYRIGHTED MATERIAL, AND MAY SUBJECT VIOLATORS TO LIABILITY. IF PAYMENT FOR A COURSE IS DECLINED, OUR SYSTEM WILL AUTOMATICALLY DISABLE ACCESS TO OUR PREMIUM MATERIALS. (WE UNDERSTAND. THIS USUALLY HAPPENS BECAUSE A CREDIT CARD EXPIRES.) WE WANT TO HELP RESTORE YOUR ACCESS, SO WE’LL MAKE EVERY ATTEMPT TO CONTACT YOU TO HELP RESOLVE THIS ISSUE. ONCE THE BILLING ISSUE IS RESOLVED, WE’LL RESTORE ACCESS. 


INTERACTIVE FEATURES

THIS SITE MAY INCLUDE A VARIETY OF FEATURES, SUCH AS BULLETIN BOARDS, WEB LOGS, CHAT ROOMS, AND EMAIL SERVICES, WHICH ALLOW FEEDBACK TO US AND REAL-TIME INTERACTION BETWEEN USERS, AND OTHER FEATURES WHICH ALLOW USERS TO COMMUNICATE WITH OTHERS. RESPONSIBILITY FOR WHAT IS POSTED ON BULLETIN BOARDS, WEB LOGS, CHAT ROOMS, AND OTHER PUBLIC POSTING AREAS ON THE SITE, OR SENT VIA ANY EMAIL SERVICES ON THE SITE, LIES WITH EACH USER – YOU ALONE ARE RESPONSIBLE FOR THE MATERIAL YOU POST OR SEND. WE DO NOT CONTROL THE MESSAGES, INFORMATION OR FILES THAT YOU OR OTHERS MAY PROVIDE THROUGH THE SITE. IT IS A CONDITION OF YOUR USE OF THE SITE THAT YOU DO NOT:

RESTRICT OR INHIBIT ANY OTHER USER FROM USING AND ENJOYING THE SITE.

  • USE THE SITE TO IMPERSONATE ANY PERSON OR ENTITY, OR FALSELY STATE OR OTHERWISE MISREPRESENT YOUR AFFILIATION WITH A PERSON OR ENTITY.
  • INTERFERE WITH OR DISRUPT ANY SERVERS OR NETWORKS USED TO PROVIDE THE SITE OR ITS FEATURES, OR DISOBEY ANY REQUIREMENTS, PROCEDURES, POLICIES, OR REGULATIONS OF THE NETWORKS WE USE TO PROVIDE THE SITE.
  • USE THE SITE TO INSTIGATE OR ENCOURAGE OTHERS TO COMMIT ILLEGAL ACTIVITIES OR CAUSE INJURY OR PROPERTY DAMAGE TO ANY PERSON. GAIN UNAUTHORISED ACCESS TO THE SITE, OR ANY ACCOUNT, COMPUTER SYSTEM, OR NETWORK CONNECTED TO THIS SITE, BY MEANS SUCH AS HACKING, PASSWORD MINING, OR OTHER ILLICIT MEANS. OBTAIN OR ATTEMPT TO OBTAIN ANY MATERIALS OR INFORMATION THROUGH ANY MEANS NOT INTENTIONALLY MADE AVAILABLE THROUGH THIS SITE.
  • USE THE SITE TO POST OR TRANSMIT ANY UNLAWFUL, THREATENING, ABUSIVE, LIBELLOUS, DEFAMATORY, OBSCENE, VULGAR, PORNOGRAPHIC, PROFANE, OR INDECENT INFORMATION OF ANY KIND, INCLUDING WITHOUT LIMITATION ANY TRANSMISSIONS CONSTITUTING OR ENCOURAGING CONDUCT THAT WOULD CONSTITUTE A CRIMINAL OFFENCE, GIVE RISE TO CIVIL LIABILITY OR OTHERWISE VIOLATE ANY LOCAL, STATE, NATIONAL OR INTERNATIONAL LAW.
  • USE THE SITE TO POST OR TRANSMIT ANY INFORMATION, SOFTWARE, OR OTHER MATERIAL THAT VIOLATES OR INFRINGES UPON THE RIGHTS OF OTHERS, INCLUDING MATERIAL THAT IS AN INVASION OF PRIVACY OR PUBLICITY RIGHTS OR THAT IS PROTECTED BY COPYRIGHT, TRADEMARK, OR OTHER PROPRIETARY RIGHTS, OR DERIVATIVE WORKS WITH RESPECT THERETO, WITHOUT FIRST OBTAINING PERMISSION FROM THE OWNER OR RIGHTS HOLDER.
  • USE THE SITE TO POST OR TRANSMIT ANY INFORMATION, SOFTWARE, OR OTHER MATERIAL THAT CONTAINS A VIRUS OR OTHER HARMFUL COMPONENT.
  • USE THE SITE TO POST, TRANSMIT, OR IN ANY WAY EXPLOIT ANY INFORMATION, SOFTWARE, OR OTHER MATERIAL FOR COMMERCIAL PURPOSES, OR THAT CONTAINS ADVERTISING. 
  • USE THE SITE TO ADVERTISE OR SOLICIT ANYONE TO BUY OR SELL PRODUCTS OR SERVICES, OR TO MAKE DONATIONS OF ANY KIND, WITHOUT OUR EXPRESS WRITTEN APPROVAL.
  • GATHER FOR MARKETING PURPOSES ANY EMAIL ADDRESSES OR OTHER PERSONAL INFORMATION THAT HAS BEEN POSTED BY OTHER USERS OF THE SITE.

COMPANY MAY HOST MESSAGE BOARDS, CHATS, AND OTHER PUBLIC FORUMS ON ITS SITES. ANY USER FAILING TO COMPLY WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT MAY BE EXPELLED FROM AND REFUSED CONTINUED ACCESS TO, THE MESSAGE BOARDS, CHATS, OR OTHER PUBLIC FORUMS IN THE FUTURE. 

COMPANY OR ITS DESIGNATED AGENTS MAY REMOVE OR ALTER ANY USER-CREATED CONTENT AT ANY TIME FOR ANY REASON. MESSAGE BOARDS, CHATS, AND OTHER PUBLIC FORUMS ARE INTENDED TO SERVE AS DISCUSSION CENTRES FOR USERS AND SUBSCRIBERS. INFORMATION AND CONTENT POSTED WITHIN THESE PUBLIC FORUMS MAY BE PROVIDED BY COMPANY STAFF, COMPANY’S OUTSIDE CONTRIBUTORS, OR BY USERS NOT CONNECTED WITH COMPANY, SOME OF WHOM MAY EMPLOY ANONYMOUS USER NAMES. COMPANY EXPRESSLY DISCLAIMS ALL RESPONSIBILITY AND ENDORSEMENT AND MAKES NO REPRESENTATION AS TO THE VALIDITY OF ANY OPINION, ADVICE, INFORMATION, OR STATEMENT MADE OR DISPLAYED IN THESE FORUMS BY THIRD PARTIES, NOR ARE WE RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN SUCH POSTINGS, OR FOR HYPERLINKS EMBEDDED IN ANY MESSAGES. UNDER NO CIRCUMSTANCES WILL WE, OUR AFFILIATES, SUPPLIERS, OR AGENTS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THESE FORUMS. THE OPINIONS EXPRESSED IN THESE FORUMS ARE SOLELY THE OPINIONS OF THE PARTICIPANTS AND DO NOT REFLECT THE OPINIONS OF COMPANY OR ANY OF ITS SUBSIDIARIES OR AFFILIATES.

COMPANY HAS NO OBLIGATION WHATSOEVER TO MONITOR ANY OF THE CONTENT OR POSTINGS ON THE MESSAGE BOARDS, CHAT ROOMS, OR OTHER PUBLIC FORUMS ON THE SITES. HOWEVER, YOU ACKNOWLEDGE AND AGREE THAT WE HAVE THE ABSOLUTE RIGHT TO MONITOR THE SAME AT OUR SOLE DISCRETION. IN ADDITION, WE RESERVE THE RIGHT TO ALTER, EDIT, REFUSE TO POST, OR REMOVE ANY POSTINGS OR CONTENT, IN WHOLE OR IN PART, FOR ANY REASON AND TO DISCLOSE SUCH MATERIALS AND THE CIRCUMSTANCES SURROUNDING THEIR TRANSMISSION TO ANY THIRD PARTY IN ORDER TO SATISFY ANY APPLICABLE LAW, REGULATION, LEGAL PROCESS OR GOVERNMENTAL REQUEST AND TO PROTECT OURSELVES, OUR CLIENTS, SPONSORS, USERS, AND VISITORS.

WE OCCASIONALLY INCLUDE ACCESS TO AN ONLINE COMMUNITY AS PART OF OUR PROGRAMS. WE WANT EVERY SINGLE MEMBER TO ADD VALUE TO THE GROUP. OUR GOAL IS TO MAKE YOUR COMMUNITY THE MOST VALUABLE COMMUNITY YOU’RE A MEMBER OF. THEREFORE, WE RESERVE THE RIGHT TO REMOVE ANYONE AT ANY TIME. WE RARELY DO THIS, BUT WE WANT TO LET YOU KNOW HOW SERIOUSLY WE TAKE OUR COMMUNITIES.


REGISTRATION

TO ACCESS CERTAIN FEATURES OF THE SITE, WE MAY ASK YOU TO PROVIDE CERTAIN DEMOGRAPHIC INFORMATION INCLUDING YOUR GENDER, YEAR OF BIRTH, ZIP CODE, AND COUNTRY. IN ADDITION, IF YOU ELECT TO SIGN-UP FOR A PARTICULAR FEATURE OF THE SITE, SUCH AS CHAT ROOMS, WEBLOGS, NEWSLETTERS OR BULLETIN BOARDS, YOU MAY ALSO BE ASKED TO REGISTER WITH US ON THE FORM PROVIDED AND SUCH REGISTRATION MAY REQUIRE YOU TO PROVIDE PERSONALLY IDENTIFIABLE INFORMATION SUCH AS YOUR NAME AND EMAIL ADDRESS. YOU AGREE TO PROVIDE TRUE, ACCURATE, CURRENT, AND COMPLETE INFORMATION ABOUT YOURSELF AS PROMPTED BY THE SITE’S REGISTRATION FORM. IF WE HAVE REASONABLE GROUNDS TO SUSPECT THAT SUCH INFORMATION IS UNTRUE, INACCURATE, OR INCOMPLETE, WE HAVE THE RIGHT TO SUSPEND OR TERMINATE YOUR ACCOUNT AND REFUSE ANY AND ALL CURRENT OR FUTURE USE OF THE SITE (OR ANY PORTION THEREOF). OUR USE OF ANY PERSONALLY IDENTIFIABLE INFORMATION YOU PROVIDE TO US AS PART OF THE REGISTRATION PROCESS IS GOVERNED BY THE TERMS OF OUR PRIVACY POLICY.


PASSWORDS

IN THE EVENT THAT THE WEBSITE ALLOWS YOU TO ACCESS AND USE CERTAIN FEATURES (WHICH MAY BE PART OF A WEBSITE UPGRADATION), YOU WILL NEED A USERNAME AND PASSWORD, WHICH YOU WILL RECEIVE THROUGH THE SITE’S REGISTRATION PROCESS. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF THE PASSWORD AND ACCOUNT AND ARE RESPONSIBLE FOR ALL ACTIVITIES (WHETHER BY YOU OR BY OTHERS ACTING ON YOUR BEHALF) THAT OCCUR UNDER YOUR PASSWORD OR ACCOUNT. YOU AGREE TO NOTIFY US IMMEDIATELY OF ANY UNAUTHORISED USE OF YOUR PASSWORD OR ACCOUNT OR ANY OTHER BREACH OF SECURITY, AND TO ENSURE THAT YOU EXIT FROM YOUR ACCOUNT AT THE END OF EACH SESSION. WE CANNOT AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO PROTECT YOUR PASSWORD OR ACCOUNT INFORMATION.


LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING OUR MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY STATE AND CENTRAL LAW.)

YOU SPECIFICALLY  ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES, AND/OR MATERIALS. 

THE COMPANY IS NOT AN INVESTMENT ADVISORY SERVICE, INVESTMENT ADVISER, AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR.

WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US IS INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT, RECOMMENDATION, OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR INFORMATION SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR OTHER INVESTMENTS.

WE DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE AND YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS

BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND THE COMPANY MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS, OR

APPROPRIATENESS FOR ANY PURPOSE.

YOU ACKNOWLEDGE AND AGREE THAT NO REPRESENTATION HAS BEEN MADE BY COMPANY OR IT’S AFFILIATES AND RELIED UPON AS TO THE FUTURE INCOME, EXPENSES, SALES VOLUME, OR POTENTIAL PROFITABILITY THAT MAY BE DERIVED FROM THE PARTICIPATION IN THIS OR ANY PROGRAM/ PRODUCT/ SERVICE OFFERED BY COMPANY.


TERMINATION

WE MAY CANCEL OR TERMINATE YOUR RIGHT TO USE THE SITE OR ANY PART OF THE SITE AT ANY TIME WITHOUT NOTICE. IN THE EVENT OF CANCELLATION OR TERMINATION, YOU ARE NO LONGER AUTHORIZED TO ACCESS THE PART OF THE SITE AFFECTED BY SUCH CANCELLATION OR TERMINATION. THE RESTRICTIONS IMPOSED ON YOU WITH RESPECT TO MATERIAL DOWNLOADED FROM THE SITE, AND THE DISCLAIMERS AND LIMITATIONS OF LIABILITIES SET FORTH IN THESE TERMS OF SERVICE, SHALL SURVIVE.


OTHER

IF YOU BELIEVE IN GOOD FAITH THAT MATERIALS HOSTED BY COMPANY INFRINGE YOUR COPYRIGHT, YOU, OR YOUR AGENT MAY SEND TO COMPANY A FORMAL (NON LEGAL) NOTICE/ LETTER REQUESTING THAT THE MATERIAL BE REMOVED OR ACCESS TO IT BE BLOCKED. 

ANY NOTIFICATION BY A COPYRIGHT OWNER OR A PERSON AUTHORIZED TO ACT ON ITS BEHALF THAT FAILS TO COMPLY WITH REQUIREMENTS AS PER THE COPYRIGHT ACT 1957 SHALL NOT BE CONSIDERED SUFFICIENT NOTICE AND SHALL NOT BE DEEMED TO CONFER UPON COMPANY ACTUAL KNOWLEDGE OF FACTS OR CIRCUMSTANCES FROM WHICH INFRINGING MATERIAL OR ACTS ARE EVIDENT. IF YOU BELIEVE IN GOOD FAITH THAT A NOTICE OF COPYRIGHT INFRINGEMENT HAS BEEN WRONGLY FILED AGAINST YOU, THE COPYRIGHT ACT 1957 PERMITS YOU TO SEND TO COMPANY A COUNTER-NOTICE. ALL NOTICES AND COUNTER NOTICES MUST MEET THE THEN CURRENT STATUTORY REQUIREMENTS AS EXPRESSED BY THE COPYRIGHT ACT 1957; SEE HTTPS://COPYRIGHT.GOV.IN/DOCUMENTS/COPYRIGHTRULES1957.PDF 

FOR DETAILS. 

COMPANY’S COPYRIGHT AGENT FOR NOTICE OF CLAIMS OF COPYRIGHT INFRINGEMENT OR COUNTER NOTICES CAN BE REACHED AS FOLLOWS: BHARDWAJSAKSHI.OFFICIAL@GMAIL.COM

THIS AGREEMENT SHALL BE BINDING UPON AND INURE TO THE BENEFIT OF COMPANY AND OUR RESPECTIVE ASSIGNS, SUCCESSORS, HEIRS, AND LEGAL REPRESENTATIVES. NEITHER THIS AGREEMENT NOR ANY RIGHTS HEREUNDER MAY BE ASSIGNED WITHOUT THE PRIOR WRITTEN CONSENT OF COMPANY. NOTWITHSTANDING THE FOREGOING, ALL RIGHTS AND OBLIGATIONS UNDER THIS AGREEMENT MAY BE FREELY ASSIGNED BY COMPANY TO ANY AFFILIATED ENTITY OR ANY OF ITS WHOLLY OWNED SUBSIDIARIES THESE TERMS OF USE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELHI AND COUNTRY, INDIA. ANY DISPUTE SHALL BE SUBJECT TO BINDING ARBITRATION IN NEW DELHI, DELHI. IF ANY PROVISION OF THIS AGREEMENT SHALL BE UNLAWFUL, VOID OR FOR ANY REASON UNENFORCEABLE, THEN THAT PROVISION SHALL BE DEEMED SEVERABLE FROM THIS AGREEMENT AND SHALL NOT AFFECT THE VALIDITY AND ENFORCEABILITY OF ANY REMAINING PROVISIONS.


DISCLAIMER

ALTHOUGH IT IS HIGHLY UNLIKELY, THIS POLICY MAY BE CHANGED AT ANY TIME AT OUR DISCRETION. IF WE SHOULD UPDATE THIS POLICY, WE WILL POST THE UPDATES TO THIS PAGE ON THE SITE(S). 

IF YOU HAVE ANY QUESTIONS OR CONCERNS REGARDING OUR PRIVACY POLICY, REFUND POLICY AND/ OR TERMS OF SERVICE, PLEASE DIRECT THEM TO: SAKSHIBHARDWAJ.HELP@GMAIL.COM


REFUND POLICY - SAKSHI BHARDWAJ SERVICES


WELCOME TO SAKSHI BHARDWAJ’S BUSINESS AND/OR DIGITAL CONSULTATION SERVICES, INCLUSIVE OF DIGITAL CONSULTANCY, BUSINESS CONSULTANCY, DIGITAL TOOL CONSULTANCY, 1-ON-1 MENTORING/ COACHING/ CONSULTING, PURCHASE OF DIGITAL PRODUCT AND/OR SERVICE, OFFERED BY SAKSHI BHARDWAJ.

THANK YOU FOR CHOOSING US THROUGH ANY OF OUR WEBSITES AND/OR LANDING PAGES AND/OR PAID ADS AND/OR SOCIAL MEDIA LINKS.

WE APPRECIATE YOUR INTEREST IN OUR CONSULTANCY SERVICES, DIGITAL PRODUCTS, ONLINE COURSES, AND 1-ON-1 COACHING/ CONSULTING SERVICES. PLEASE READ THE REFUND POLICY BELOW CAREFULLY.

“WE,” “OUR”, ”US” MEANS SAKSHI BHARDWAJ AND ITS/ HER AFFILIATES. “YOU,” “YOUR,” VISITOR,” OR “USER” MEANS THE INDIVIDUAL ACCESSING THIS SITE.


RETURNS AND REFUNDS POLICY 
  1. AGREEMENT TO THE POLICY: BY INITIATING PAYMENT FOR ANY OF OUR DIGITAL PRODUCTS AND/OR SERVICE (CURRENT AND FUTURE), YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREED TO THE TERMS OF THIS REFUND POLICY, AND AGREE TO ABIDE BY THEM, IN PERPETUITY, IRRESPECTIVE OF TRANSACTION DATE, HOWEVER OLD. 
  2. PAYMENTS MADE IN PART OR FULL, FOR ANY COURSE, WEBINAR, SUBSCRIPTION MODEL, REGISTRATION FEE, NEWSLETTER, SERVICE MODEL OR ANY OTHER DIGITAL PRODUCT AND/OR SERVICE CREATED IN THE FUTURE ETC. THAT IS BEING TAUGHT/ OFFERED BY SAKSHI BHARDWAJ ALSO FALL UNDER THE TERMS LAID DOWN IN THIS POLICY. 
  3. NON-REFUNDABLE DIGITAL PRODUCTS: ALL DIGITAL PRODUCTS AND DOWNLOADABLE RESOURCES SOLD BY SAKSHI BHARDWAJ (THAT HAVE BEEN FULLY RENDERED) ARE NON-REFUNDABLE DUE TO INTELLECTUAL PROPERTY RIGHTS OF THE OWNERS. THESE RIGHTS BELONG TO SAKSHI BHARDWAJ, AS THE KNOWLEDGE CONTAINED IS A CULMINATION OF HER DOMAIN EXPERTISE OF 15+ YEARS. THIS INCLUDES, BUT IS NOT LIMITED TO REGISTRATION FEES FOR WEBINARS, CONSULTATION CALLS, COURSE FEES, EBOOKS, 1-ON-1 CONSULTING/ COACHING FOR BUSINESS AND/OR DIGITAL CONSULTANCY, AND FEES ASSOCIATED WITH OUR DIGITAL PRODUCTS, SOFTWARE LICENCES, DIGITAL DOWNLOADS, SUBSCRIPTIONS, ONLINE LEARNING COURSES THROUGH VARIOUS LMS (LEARNING MANAGEMENT SYSTEM) SOFTWARES, BULK SERVICES WITH EXTENDED DELIVERY PERIODS, AND ANY OTHER FORM OF DIGITAL/ BUSINESS CONTENT THAT IS POSTED OR PROVIDED BY MS. SAKSHI BHARDWAJ.
  4. INVOICE GENERATION: UPON RECEIPT OF YOUR PAYMENT, AN INVOICE WILL BE GENERATED AND SENT TO THE PROVIDED EMAIL ADDRESS. THIS INVOICE SERVES AS CONFIRMATION OF YOUR PURCHASE.
  5. NO REFUND POLICY: ONCE THE INVOICE IS GENERATED, THERE WILL BE NO REFUNDS GRANTED UNDER ANY CIRCUMSTANCES. THIS POLICY IS IN PLACE TO PROTECT THE INTELLECTUAL PROPERTY RIGHTS ASSOCIATED WITH OUR DIGITAL PRODUCTS.
  6. COMMUNICATION STANDARDS: VERBAL, THREATENING OR DISRESPECTFUL MESSAGES WILL NOT BE TOLERATED. ANY COMMUNICATION THAT INCLUDES VERBAL ABUSE OR DISRESPECT WILL NOT BE GROUNDS FOR REFUNDS AND MAY INVITE SERIOUS ACTION FROM US TO YOU.


RESULTS/ GUARANTEE

WE DO NOT GUARANTEE RESULTS WITHOUT YOU TAKING THE NECESSARY STEPS AS LAID DOWN IN OUR DIGITAL COURSES AND/OR CONSULTATION CALLS. BY PURCHASING SAKSHI BHARDWAJ’S PRODUCTS/ SERVICES, AND IMPLEMENTING THE TRAINING TECHNIQUES, YOU AGREE TO HOLD SAKSHI BHARDWAJ HARMLESS SHOULD ANY OF YOUR ACTIONS RESULT IN FINANCIAL LOSSES.


CHANGES TO THE POLICY

SAKSHI BHARDWAJ RESERVES THE RIGHT TO MODIFY OR UPDATE THIS REFUND POLICY AT ANY TIME. ANY CHANGES WILL BE EFFECTIVE IMMEDIATELY AND WILL BE POSTED AT THE END OF ALL OUR DIGITAL PRODUCTS, INVOICES, WEBSITES, LANDING PAGES, PAYMENT PAGES AND/ OR ANY OTHER TRANSACTIONAL WEBSITE, WEBSITE PAGE AND/OR LINK.


QUALITY ASSURANCE

YOUR SATISFACTION IS OUR TOP PRIORITY, AND WE ARE DEDICATED TO ENSURING YOU RECEIVE THE BEST POSSIBLE COACHING SERVICES. WE TAKE PRIDE IN THE QUALITY OF OUR DIGITAL PRODUCTS & SERVICES AND STRIVE TO PROVIDE YOU ACCURATE AND DETAILED INFORMATION. IF YOU HAVE ANY CONCERNS OR ISSUES, PLEASE DON’T HESITATE TO REACH OUT TO US AT CONTACT OUR CUSTOMER SUPPORT TEAM FOR CLARIFICATION, AT SAKSHIBHARDWAJ.HELP@GMAIL.COM OR +91 7827938269. WE APPRECIATE YOUR TRUST IN US AND ARE HERE TO ASSIST YOU EVERY STEP OF THE WAY.


CONTACT INFORMATION

WHATSAPP: +91 78279 38269 (TEAM SAKSHI)

EMAIL: SAKSHIBHARDWAJ.HELP@GMAIL.COM 


PRIVACY POLICY

SAKSHI BHARDWAJ WEBSITE AND LANDING PAGES


“WE,” “OUR”, ”US” MEANS SAKSHI BHARDWAJ AND ITS/ HER AFFILIATES. “YOU,” “YOUR,” VISITOR,” OR “USER” MEANS THE INDIVIDUAL ACCESSING THIS SITE.

SAKSHI BHARDWAJ UNDERSTANDS THAT YOUR PRIVACY IS IMPORTANT TO YOU. WE ARE COMMITTED TO PROTECTING THE PRIVACY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION AS YOU USE THIS WEBSITE. THIS PRIVACY POLICY TELLS YOU HOW WE PROTECT AND USE INFORMATION THAT WE GATHER FROM YOU. BY USING THIS WEBSITE, YOU CONSENT TO THE TERMS DESCRIBED IN THE MOST RECENT VERSION OF THIS PRIVACY POLICY. YOU SHOULD ALSO READ OUR TERMS OF USE TO UNDERSTAND THE GENERAL RULES ABOUT YOUR USE OF

THIS WEBSITE, AND ANY ADDITIONAL TERMS THAT MAY APPLY WHEN YOU ACCESS PARTICULAR SERVICES OR MATERIALS ON CERTAIN AREAS OF THIS WEBSITE. 


PERSONAL AND NON-PERSONAL INFORMATION

OUR PRIVACY POLICY IDENTIFIES HOW WE TREAT YOUR PERSONAL AND NON-PERSONAL INFORMATION. 


WHAT IS NON-PERSONAL INFORMATION AND HOW IS IT COLLECTED AND USED?

NON-PERSONAL INFORMATION IS INFORMATION THAT CANNOT IDENTIFY YOU. IF YOU VISIT THIS WEBSITE TO READ INFORMATION, SUCH AS INFORMATION ABOUT ONE OF OUR SERVICES, WE MAY COLLECT CERTAIN NON-PERSONAL INFORMATION ABOUT YOU FROM YOUR COMPUTER’S WEB BROWSER. BECAUSE NON-PERSONAL INFORMATION CANNOT IDENTIFY YOU OR BE TIED TO YOU IN ANY WAY, THERE ARE NO RESTRICTIONS ON THE WAYS THAT WE CAN USE OR SHARE NON-PERSONAL INFORMATION. 


WHAT IS PERSONAL INFORMATION AND HOW IS IT COLLECTED? 

PERSONAL INFORMATION IS INFORMATION THAT IDENTIFIES YOU AS AN INDIVIDUAL, SUCH AS YOUR NAME, MAILING ADDRESS, E-MAIL ADDRESS, TELEPHONE NUMBER, AND FAX NUMBER. WE MAY COLLECT PERSONAL INFORMATION FROM YOU IN A VARIETY OF WAYS: 

• WHEN YOU SEND US AN APPLICATION OR OTHER FORM 

• WHEN YOU CONDUCT A TRANSACTION WITH US, OUR AFFILIATES, OR OTHERS 

• WHEN WE COLLECT INFORMATION ABOUT IN YOU IN SUPPORT OF A TRANSACTION, SUCH AS CREDIT/ DEBIT CARD INFORMATION.

• IN SOME PLACES ON THIS WEBSITE YOU HAVE THE OPPORTUNITY TO SEND US PERSONAL INFORMATION ABOUT YOURSELF, TO ELECT TO RECEIVE PARTICULAR INFORMATION, TO PURCHASE ACCESS TO ONE OF OUR PRODUCTS OR SERVICES,

OR TO PARTICIPATE IN AN ACTIVITY.


ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL INFORMATION?

YES, WE MAY USE COOKIES AND RELATED TECHNOLOGIES, SUCH AS WEB BEACONS, TO COLLECT INFORMATION ON OUR WEBSITE. A COOKIE IS A TEXT FILE THAT IS PLACED ON YOUR HARD DISK BY A WEB PAGE SERVER. COOKIES CANNOT BE USED TO RUN PROGRAMS OR DELIVER VIRUSES TO YOUR COMPUTER. COOKIES ARE UNIQUELY ASSIGNED TO YOU, AND CAN ONLY BE READ BY A WEB SERVER IN THE DOMAIN THAT ISSUED THE COOKIE TO YOU. ONE OF THE PRIMARY PURPOSES OF COOKIES IS TO PROVIDE A CONVENIENCE FEATURE TO SAVE YOU TIME. THE PURPOSE OF A COOKIE IS TO TELL THE WEB SERVER THAT YOU HAVE RETURNED TO A SPECIFIC PAGE. FOR EXAMPLE, IF YOU REGISTER WITH US, A COOKIE HELPS SAKSHI BHARDWAJ TO RECALL YOUR SPECIFIC INFORMATION ON SUBSEQUENT VISITS. THIS SIMPLIFIES THE PROCESS OF RECORDING YOUR PERSONAL INFORMATION, SUCH AS BILLING ADDRESSES, SHIPPING ADDRESSES, AND SO ON. WHEN YOU RETURN TO THE SAME SAKSHI BHARDWAJ WEBSITE AND/ OR LANDING PAGE, THE INFORMATION YOU PREVIOUSLY PROVIDED CAN BE RETRIEVED, SO YOU CAN EASILY USE THE FEATURES THAT YOU CUSTOMISED. A WEB BEACON IS A SMALL GRAPHIC IMAGE THAT ALLOWS THE PARTY THAT SET THE WEB BEACON TO MONITOR AND COLLECT CERTAIN INFORMATION ABOUT THE VIEWER OF THE WEB PAGE, WEB-BASED DOCUMENT OR E-MAIL MESSAGE, SUCH AS THE TYPE OF BROWSER REQUESTING THE WEB BEACON, THE IP ADDRESS OF THE COMPUTER THAT THE WEB BEACON IS SENT TO AND THE TIME THE WEB BEACON WAS VIEWED. WEB BEACONS CAN BE VERY SMALL AND INVISIBLE TO THE USER, BUT, IN GENERAL, ANY ELECTRONIC IMAGE VIEWED AS PART OF A WEB PAGE OR E-MAIL, INCLUDING HTML-BASED CONTENT, CAN ACT AS A WEB BEACON. WE MAY USE WEB BEACONS TO COUNT VISITORS TO THE WEB PAGES ON THE WEBSITE OR TO MONITOR HOW OUR USERS NAVIGATE THE WEBSITE, AND WE MAY INCLUDE WEB BEACONS IN E-MAIL MESSAGES IN ORDER TO COUNT HOW MANY MESSAGES SENT WERE ACTUALLY OPENED, ACTED UPON, OR FORWARDED.

THIRD-PARTY VENDORS ALSO MAY USE COOKIES ON OUR WEBSITE. FOR INSTANCE, WE MAY CONTRACT WITH THIRD PARTIES WHO WILL USE COOKIES ON OUR WEBSITE TO TRACK AND ANALYZE ANONYMOUS USAGE AND VOLUME STATISTICAL INFORMATION FROM OUR VISITORS AND MEMBERS. SUCH INFORMATION IS SHARED EXTERNALLY ONLY ON AN ANONYMOUS, AGGREGATED BASIS. THESE THIRD PARTIES USE PERSISTENT COOKIES TO HELP US TO IMPROVE THE VISITOR EXPERIENCE, MANAGE OUR SITE CONTENT, AND TO TRACK VISITOR BEHAVIOUR. WE MAY ALSO CONTRACT WITH A THIRD PARTY TO SEND EMAIL TO OUR REGISTERED [USERS/MEMBERS].

TO HELP MEASURE AND IMPROVE THE EFFECTIVENESS OF OUR EMAIL COMMUNICATIONS, THE THIRD PARTY SETS COOKIES. ALL DATA COLLECTED BY THIS THIRD PARTY ON BEHALF OF SAKSHI BHARDWAJ IS USED SOLELY BY OR ON BEHALF OF SAKSHI BHARDWAJ AND IS SHARED EXTERNALLY ONLY ON AN ANONYMOUS, AGGREGATED BASIS. FROM TIME TO TIME WE MAY ALLOW THIRD PARTIES TO POST ADVERTISEMENTS ON OUR WEBSITE, AND THOSE THIRD-PARTY ADVERTISEMENTS MAY INCLUDE A COOKIE OR WEB BEACON SERVED BY THE THIRD PARTY. THIS PRIVACY POLICY DOES NOT COVER THE USE OF INFORMATION COLLECTED FROM YOU BY THIRD-PARTY AD SERVERS. WE DO NOT CONTROL COOKIES IN SUCH THIRD-PARTY ADS, AND YOU SHOULD CHECK THE PRIVACY POLICIES OF THOSE ADVERTISERS AND/OR AD SERVICES TO LEARN ABOUT THEIR USE OF COOKIES AND OTHER TECHNOLOGY BEFORE LINKING TO AN AD. WE WILL NOT SHARE YOUR PERSONAL INFORMATION WITH THESE COMPANIES, BUT THESE COMPANIES MAY USE INFORMATION ABOUT YOUR VISITS TO THIS AND OTHER

WEBSITES IN ORDER TO PROVIDE ADVERTISEMENTS ON THIS SITE AND OTHER SITES ABOUT GOODS AND SERVICES THAT MAY BE OF INTEREST TO YOU, AND THEY MAY SHARE YOUR PERSONAL INFORMATION THAT YOU PROVIDE TO THEM WITH OTHERS.

YOU HAVE THE ABILITY TO ACCEPT OR DECLINE COOKIES. MOST WEB BROWSERS AUTOMATICALLY ACCEPT COOKIES, BUT YOU CAN USUALLY MODIFY YOUR BROWSER SETTING TO DECLINE COOKIES IF YOU PREFER. IF YOU CHOOSE TO DECLINE COOKIES, YOU MAY NOT BE ABLE TO FULLY EXPERIENCE THE INTERACTIVE FEATURES OF THE SAKSHI BHARDWAJ WEBSITES YOU VISIT.


HOW DOES SAKSHI BHARDWAJ USE PERSONAL INFORMATION?

SAKSHI BHARDWAJ MAY KEEP AND USE THE PERSONAL INFORMATION SHE COLLECTS FROM OR ABOUT YOU TO PROVIDE YOU WITH ACCESS TO THIS WEBSITE OR OTHER PRODUCTS OR SERVICES, TO RESPOND TO YOUR REQUESTS, BILL YOU FOR PRODUCTS/SERVICES YOU PURCHASED, AND TO PROVIDE ONGOING SERVICE AND SUPPORT, TO CONTACT YOU WITH INFORMATION THAT MIGHT BE OF INTEREST TO YOU, INCLUDING INFORMATION

ABOUT PRODUCTS AND SERVICES OF OURS AND OF OTHERS, OR ASK FOR YOUR OPINION ABOUT OUR PRODUCTS OR THE PRODUCTS OF OTHERS, FOR RECORD KEEPING AND ANALYTICAL PURPOSES AND TO RESEARCH, DEVELOP AND

IMPROVE PROGRAMS, PRODUCTS, SERVICES, AND CONTENT. PERSONAL INFORMATION COLLECTED ONLINE MAY BE COMBINED WITH INFORMATION YOU PROVIDE TO US THROUGH OTHER SOURCES AND WE MAY ALSO REMOVE YOUR PERSONAL IDENTIFIERS (YOUR NAME, EMAIL ADDRESS, PAN/ AADHAR/ SOCIAL SECURITY NUMBER, ETC). IN THIS CASE, YOU WOULD NO LONGER BE IDENTIFIED AS A SINGLE UNIQUE INDIVIDUAL. ONCE WE HAVE DE-IDENTIFIED INFORMATION, IT IS NON-PERSONAL INFORMATION AND WE MAY TREAT IT LIKE OTHER NON-PERSONAL INFORMATION. FINALLY, WE MAY USE YOUR PERSONAL INFORMATION TO PROTECT OUR RIGHTS OR PROPERTY, OR TO PROTECT SOMEONE’S HEALTH, SAFETY OR WELFARE, AND TO COMPLY WITH A LAW OR REGULATION, COURT ORDER, OR OTHER LEGAL PROCESSES. 


DOES SAKSHI BHARDWAJ SHARE PERSONAL INFORMATION WITH OTHERS?

WE WILL NOT SHARE YOUR PERSONAL INFORMATION COLLECTED FROM THIS WEBSITE WITH AN UNRELATED THIRD PARTY WITHOUT YOUR PERMISSION, EXCEPT AS OTHERWISE PROVIDED IN THIS PRIVACY POLICY. IN THE ORDINARY COURSE OF BUSINESS, WE MAY SHARE SOME PERSONAL INFORMATION WITH COMPANIES THAT WE HIRE TO PERFORM SERVICES OR FUNCTIONS ON OUR BEHALF. IN ALL CASES IN WHICH WE SHARE YOUR PERSONAL INFORMATION WITH A THIRD PARTY FOR THE PURPOSE OF PROVIDING A SERVICE TO US, WE WILL NOT AUTHORISE THEM TO KEEP, DISCLOSE OR USE YOUR INFORMATION WITH OTHERS EXCEPT FOR THE PURPOSE OF PROVIDING THE SERVICES WE ASKED THEM TO PROVIDE. WE WILL NOT SELL, EXCHANGE OR PUBLISH YOUR PERSONAL INFORMATION, EXCEPT IN CONJUNCTION WITH A CORPORATE SALE, MERGER, DISSOLUTION, OR ACQUISITION. FOR SOME SORTS OF TRANSACTIONS, IN ADDITION TO OUR DIRECT COLLECTION OF INFORMATION, OUR THIRD-PARTY SERVICE VENDORS (SUCH AS CREDIT CARD COMPANIES, CLEARINGHOUSES, AND BANKS) WHO MAY PROVIDE SUCH SERVICES AS CREDIT, INSURANCE, AND ESCROW SERVICES MAY COLLECT PERSONAL INFORMATION DIRECTLY FROM YOU TO ASSIST YOU WITH YOUR TRANSACTION. WE DO NOT CONTROL HOW THESE THIRD PARTIES USE SUCH INFORMATION, BUT WE DO ASK THEM TO DISCLOSE HOW THEY USE YOUR PERSONAL INFORMATION BEFORE THEY COLLECT IT. IF YOU SUBMIT A REVIEW FOR A THIRD PARTY (PERSON OR BUSINESS) USING OUR FACEBOOK FAN REVIEW APPLICATION, DURING THE SUBMISSION PROCESS WE ASK YOUR PERMISSION TO GATHER YOUR BASIC INFORMATION (SUCH AS NAME AND EMAIL ADDRESS) WHICH WE THEN SHARE WITH THE THIRD PARTY FOR WHOM YOU ARE SUBMITTING THE REVIEW. WE MAY BE LEGALLY COMPELLED TO RELEASE YOUR PERSONAL INFORMATION IN RESPONSE TO A COURT ORDER, SUBPOENA, SEARCH WARRANT, LAW, OR REGULATION. 

WE MAY COOPERATE WITH LAW ENFORCEMENT AUTHORITIES IN INVESTIGATING AND PROSECUTING WEBSITE VISITORS WHO VIOLATE OUR RULES OR ENGAGE IN BEHAVIOUR, WHICH IS HARMFUL TO OTHER VISITORS (OR ILLEGAL).

WE MAY DISCLOSE YOUR PERSONAL INFORMATION TO THIRD PARTIES IF WE FEEL THAT THE DISCLOSURE IS NECESSARY TO PROTECT OUR RIGHTS OR PROPERTY, PROTECT SOMEONE’S HEALTH, SAFETY OR WELFARE, OR TO COMPLY WITH A LAW OR REGULATION, COURT ORDER, OR OTHER LEGAL PROCESSES. AS DISCUSSED IN THE SECTION ON COOKIES AND OTHER TECHNOLOGIES, FROM TIME TO TIME WE MAY ALLOW A THIRD PARTY TO SERVE ADVERTISEMENTS ON THIS WEBSITE.

IF YOU SHARE INFORMATION WITH THE ADVERTISER, INCLUDING BY CLICKING ON THEIR ADS, THIS PRIVACY POLICY DOES NOT CONTROL THE ADVERTISER’S USE OF YOUR PERSONAL INFORMATION, AND YOU SHOULD CHECK THE PRIVACY POLICIES OF THOSE ADVERTISERS AND/OR AD SERVICES TO LEARN ABOUT THEIR USE OF COOKIES AND OTHER TECHNOLOGY BEFORE LINKING TO AN AD.


HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?

WE MAY CONTACT YOU PERIODICALLY BY EMAIL, MAIL, OR TELEPHONE TO PROVIDE INFORMATION REGARDING PROGRAMS, PRODUCTS, SERVICES, AND CONTENT THAT MAY BE OF INTEREST TO YOU. IN ADDITION, SOME OF THE FEATURES ON THIS WEBSITE ALLOW YOU TO COMMUNICATE WITH US USING AN ONLINE FORM. IF YOUR COMMUNICATION REQUESTS A RESPONSE FROM US, WE MAY SEND YOU A RESPONSE VIA EMAIL. THE E-MAIL RESPONSE OR CONFIRMATION MAY INCLUDE YOUR PERSONAL INFORMATION. WE CANNOT GUARANTEE THAT OUR EMAILS TO YOU WILL BE SECURE FROM UNAUTHORISED INTERCEPTION.


HOW IS PERSONAL INFORMATION SECURED?

WE HAVE IMPLEMENTED GENERALLY ACCEPTED STANDARDS OF TECHNOLOGY AND OPERATIONAL SECURITY IN ORDER TO PROTECT PERSONALLY-IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, ALTERATION, OR DESTRUCTION. ONLY AUTHORISED PERSONNEL AND THIRD-PARTY VENDORS HAVE ACCESS TO YOUR PERSONAL INFORMATION, AND THESE EMPLOYEES AND VENDORS ARE REQUIRED TO TREAT THIS INFORMATION AS CONFIDENTIAL. DESPITE THESE PRECAUTIONS, WE CANNOT GUARANTEE THAT UNAUTHORISED PERSONS WILL NOT OBTAIN ACCESS TO YOUR PERSONAL INFORMATION.


LINKS

THIS SITE CONTAINS LINKS TO OTHER SITES THAT PROVIDE INFORMATION THAT WE CONSIDER TO BE INTERESTING. SAKSHI BHARDWAJ AND/ OR HER ASSOCIATES AND/ OR HER AFFILIATES ARE NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR THE CONTENT OF SUCH WEBSITES.


PUBLIC DISCUSSIONS

THIS SITE MAY PROVIDE PUBLIC DISCUSSIONS ON VARIOUS BUSINESS VALUATION TOPICS. PLEASE NOTE THAT ANY INFORMATION YOU POST IN THESE DISCUSSIONS WILL BECOME PUBLIC, SO PLEASE DO NOT POST SENSITIVE INFORMATION IN THE PUBLIC DISCUSSIONS. WHENEVER YOU PUBLICLY DISCLOSE INFORMATION ONLINE, THAT INFORMATION COULD BE COLLECTED AND USED BY OTHERS. WE ARE NOT RESPONSIBLE FOR ANY ACTION OR POLICIES OF ANY THIRD PARTIES WHO COLLECT INFORMATION THAT USERS DISCLOSE IN ANY SUCH

FORUMS ON THE WEBSITE. SAKSHI BHARDWAJ DOES NOT AGREE OR DISAGREE WITH ANYTHING POSTED ON THE DISCUSSION BOARD. ALSO, REMEMBER THAT YOU MUST COMPLY WITH OUR OTHER PUBLISHED POLICIES REGARDING POSTINGS ON OUR PUBLIC FORUMS. 

HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?

YOU MAY ACCESS, CORRECT, UPDATE, AND/ OR DELETE ANY PERSONALLY-IDENTIFIABLE INFORMATION THAT YOU SUBMIT TO THE WEBSITE. YOU MAY ALSO UNSUBSCRIBE FROM MAILING LISTS OR ANY REGISTRATIONS ON THE WEBSITE, OR ON THE MAILING LIST UNSUBSCRIBE BUTTONS. TO DO SO, PLEASE EITHER FOLLOW INSTRUCTIONS ON THE PAGE OF THE WEBSITE ON WHICH YOU HAVE PROVIDED SUCH INFORMATION OR SUBSCRIBED OR REGISTERED OR CONTACT US AT SAKSHIBHARDWAJ.HELP@GMAIL.COM


CHILDREN’S PRIVACY

SAKSHI BHARDWAJ WILL NOT INTENTIONALLY COLLECT ANY PERSONAL INFORMATION (SUCH AS A CHILD’S NAME OR EMAIL ADDRESS) FROM CHILDREN UNDER THE AGE OF 15. IF YOU THINK THAT WE HAVE COLLECTED PERSONAL

INFORMATION FROM A CHILD UNDER THE AGE OF 15, PLEASE CONTACT US.


CHANGES

SAKSHI BHARDWAJ RESERVES THE RIGHT TO MODIFY THIS STATEMENT AT ANY TIME. ANY CHANGES TO THIS PRIVACY POLICY WILL BE LISTED IN THIS SECTION, AND IF SUCH CHANGES ARE MATERIAL, A NOTICE WILL BE INCLUDED ON THE HOMEPAGE OF THE WEBSITE FOR A PERIOD OF TIME. IF YOU HAVE ANY QUESTIONS ABOUT PRIVACY AT ANY WEBSITES OPERATED BY SAKSHI BHARDWAJ OR ABOUT OUR WEBSITE PRACTICES, PLEASE CONTACT US AT: SAKSHIBHARDWAJ.HELP@GMAIL.COM


EARNING DISCLAIMER

DISCLAIMER: NO EARNINGS PROJECTIONS, PROMISES, OR REPRESENTATIONS.

YOU RECOGNIZE AND AGREE THAT SAKSHI BHARDWAJ HAS MADE NO IMPLICATIONS, WARRANTIES, PROMISES, SUGGESTIONS, PROJECTIONS, REPRESENTATIONS, OR GUARANTEES WHATSOEVER TO YOU ABOUT FUTURE PROSPECTS OR EARNINGS, OR THAT YOU WILL EARN ANY MONEY, WITH RESPECT TO YOUR PURCHASE OF SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES, AND THAT WE HAVE NOT AUTHORISED ANY SUCH PROJECTION, PROMISE, OR REPRESENTATION BY OTHERS.

ANY EARNINGS OR INCOME STATEMENTS, OR ANY EARNINGS OR INCOME EXAMPLES, ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU WILL DO AS WELL AS STATED IN ANY EXAMPLES. IF YOU RELY UPON ANY FIGURES PROVIDED, YOU MUST ACCEPT THE ENTIRE RISK OF NOT DOING AS WELL AS THE INFORMATION PROVIDED. THIS APPLIES WHETHER THE EARNINGS OR INCOME EXAMPLES ARE MONETARY IN NATURE OR PERTAIN TO ADVERTISING CREDITS THAT MAY BE EARNED (WHETHER SUCH CREDITS ARE CONVERTIBLE TO CASH OR NOT). THERE IS NO ASSURANCE THAT ANY PRIOR SUCCESSES OR PAST RESULTS AS TO EARNINGS OR INCOME (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT) WILL APPLY, NOR CAN ANY PRIOR SUCCESSES BE USED, AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS FROM ANY OF THE INFORMATION, CONTENT, OR STRATEGIES. ANY AND ALL CLAIMS OR REPRESENTATIONS AS TO INCOME OR EARNINGS (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT) ARE NOT TO BE CONSIDERED “AVERAGE EARNINGS”. 

  • THE ECONOMY. THE ECONOMY, BOTH WHERE YOU DO BUSINESS, AND ON A NATIONAL AND EVEN WORLDWIDE SCALE, CREATES ADDITIONAL UNCERTAINTY AND ECONOMIC RISK. AN ECONOMIC RECESSION OR DEPRESSION MIGHT NEGATIVELY AFFECT THE RESULTS PRODUCED BY SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES. REGISTRANTS FULLY UNDERSTAND THE ECONOMIC FACTORS AND RISK FACTORS WHEN THEY REGISTER FOR THE COURSE/ WORKSHOP OR MAKE PURCHASES OF SAKSHI BHARDWAJ’S PRODUCTS AND/ OR SERVICES.
  • YOUR SUCCESS OR LACK OF IT: YOUR SUCCESS IN USING THE INFORMATION OR STRATEGIES PROVIDED AT WWW.SAKSHIBHARDWAJ.BIZ, HER LANDING PAGE(S), ONLINE ADVERTISEMENT PLATFORMS, SOCIAL MEDIA, TALKS AND SPEECHES DEPENDS ON A VARIETY OF FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR WORK ETHIC, YOUR DEDICATION, YOUR MOTIVATION, YOUR DESIRE, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE, WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL GET RICH, THAT YOU WILL DO AS WELL, OR THAT YOU WILL HAVE ANY EARNINGS (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT), AT ALL. INTERNET/ DIGITALLY BASED BUSINESSES AND EARNINGS DERIVED THEREFROM, INVOLVE UNKNOWN RISKS AND ARE NOT SUITABLE FOR EVERYONE. YOU MAY NOT RELY ON ANY INFORMATION PRESENTED ON THE WEBSITE OR OTHERWISE PROVIDE BY US UNLESS YOU DO SO WITH THE KNOWLEDGE AND UNDERSTANDING THAT YOU CAN EXPERIENCE SIGNIFICANT LOSSES (INCLUDING, BUT NOT LIMITED TO, THE LOSS OF ANY MONEY PAID TO PURCHASE SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES, AND/OR ANY MONEY SPENT SETTING, OPERATING, AND/OR MARKETING SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES, AND FURTHER, THAT YOU MAY HAVE NO EARNINGS AT ALL (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT).
  • FORWARD-LOOKING STATEMENTS. MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING AND/ OR HAVING REFERENCES TO THE SECURITIES ACT SECTION 27A(I)(1) AND EXCHANGE ACT SECTION 21B (I)(1). BOTH ACTS DEFINE "FORWARD-LOOKING STATEMENTS" TO INCLUDE: PROJECTIONS OF REVENUES, INCOME (INCLUDING LOSS), EARNINGS (INCLUDING LOSS) PER SHARE, CAPITAL EXPENDITURES, DIVIDENDS, CAPITAL STRUCTURE AND OTHER FINANCIAL ITEMS. CERTAIN FORWARD-LOOKING STATEMENTS RELATING TO SAKSHI BHARDWAJ THAT ARE BASED ON THE BELIEFS OF SAKSHI BHARDWAJ’S MANAGEMENT AS WELL AS ASSUMPTIONS MADE BY AND INFORMATION CURRENTLY AVAILABLE TO HER MANAGEMENT. THESE FORWARD-LOOKING STATEMENTS ARE, BY THEIR NATURE, SUBJECT TO SIGNIFICANT RISKS AND UNCERTAINTIES. THESE FORWARD-LOOKING STATEMENTS INCLUDE, WITHOUT LIMITATION, STATEMENTS RELATING TO FUTURE DEVELOPMENTS, TRENDS AND CONDITIONS IN THE INDUSTRY AND MARKETS IN WHICH SAKSHI BHARDWAJ OPERATES, INCLUDING BUT NOT LIMITED TO STRATEGIES, PLANS, OBJECTIVES AND GOALS, ABILITY TO CONTROL COSTS, STATEMENTS RELATING TO PRICES, VOLUMES, OPERATIONS, MARGINS, OVERALL MARKET TRENDS, RISK MANAGEMENT AND EXCHANGE RATES. WHEN USED HEREIN, THE WORDS “ANTICIPATE”, “BELIEVE”, “COULD”, “ESTIMATE”, “EXPECT”, “GOING FORWARD”, “INTEND”, “MAY”, “OUGHT TO”, “PLAN”, “PROJECT”, “SEEK”, “SHOULD”, “WILL”, “WOULD” AND SIMILAR EXPRESSIONS, AS THEY RELATE TO SAKSHI BHARDWAJ OR HER MANAGEMENT AND/ OR OFFICE, ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS. FORWARD-LOOKING STATEMENTS GIVE YOU OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE. ANY AND ALL FORWARD-LOOKING STATEMENTS HERE, IN OTHER MATERIALS CONTAINED ON THIS WEBSITE, OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE, IN FACT, NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL. THESE FORWARD-LOOKING STATEMENTS REFLECT SAKSHI BHARDWAJ’S VIEWS AT THE TIME SUCH STATEMENT WERE MADE WITH RESPECT TO FUTURE EVENTS AND ARE NOT A GUARANTEE OF FUTURE PERFORMANCE OR DEVELOPMENTS. YOU ARE STRONGLY CAUTIONED THAT RELIANCE ON ANY FORWARD-LOOKING STATEMENTS INVOLVES KNOWN AND UNKNOWN RISKS AND UNCERTAINTIES. ACTUAL RESULTS AND EVENTS MAY DIFFER MATERIALLY FROM INFORMATION CONTAINED IN THE FORWARD-LOOKING STATEMENTS AS A RESULT OF A NUMBER OF FACTORS, INCLUDING ANY CHANGES IN THE LAWS, RULES AND REGULATIONS RELATING TO ANY ASPECTS OF SAKSHI BHARDWAJ’S BUSINESS OPERATIONS, GENERAL ECONOMIC, MARKET AND BUSINESS CONDITIONS, INCLUDING CAPITAL MARKET DEVELOPMENTS, CHANGES OR VOLATILITY IN INTEREST RATES, FOREIGN EXCHANGE RATES, EQUITY PRICES OR OTHER RATES OR PRICES, THE ACTIONS AND DEVELOPMENTS OF SAKSHI BHARDWAJ’S COMPETITORS AND THE EFFECTS OF COMPETITION IN THE INSURANCE INDUSTRY ON THE DEMAND FOR, AND PRICE OF, SAKSHI BHARDWAJ’S PRODUCTS AND/ OR SERVICES, VARIOUS BUSINESS OPPORTUNITIES THAT SAKSHI BHARDWAJ MAY OR MAY NOT PURSUE, CHANGES IN POPULATION GROWTH AND OTHER DEMOGRAPHIC TRENDS, INCLUDING MORTALITY, MORBIDITY AND LONGEVITY RATES, PERSISTENCY LEVELS, SAKSHI BHARDWAJ’S ABILITY TO IDENTIFY, MEASURE, MONITOR AND CONTROL RISKS IN HER BUSINESS, INCLUDING THE ABILITY TO MANAGE AND ADAPT THE OVERALL RISK PROFILE AND RISK MANAGEMENT PRACTICES, HER ABILITY TO PROPERLY PRICE ITS PRODUCTS AND SERVICES AND ESTABLISH RESERVES FOR FUTURE POLICY BENEFITS AND CLAIMS, SEASONAL FLUCTUATIONS AND FACTORS BEYOND SAKSHI BHARDWAJ’S CONTROL. YOU SHOULD NOT PLACE RELIANCE ON ANY FORWARD-LOOKING INFORMATION OR STATEMENTS. ALL FORWARD-LOOKING STATEMENTS HEREIN ARE QUALIFIED BY REFERENCE TO THE CAUTIONARY STATEMENTS SET FORTH IN THIS SECTION.
  • DUE DILIGENCE. YOU ARE ADVISED TO DO YOUR OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND SHOULD USE CAUTION AND SEEK THE ADVICE OF QUALIFIED PROFESSIONALS. YOU SHOULD CHECK WITH YOUR ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR, BEFORE ACTING ON THIS OR ANY INFORMATION. YOU MAY NOT CONSIDER ANY EXAMPLES, DOCUMENTS, OR OTHER CONTENT ON THE WEBSITE, LANDING PAGE OR OTHERWISE PROVIDED BY US TO BE THE EQUIVALENT OF PROFESSIONAL ADVICE. NOTHING CONTAINED ON THE WEBSITE, LANDING PAGE(S), SOCIAL MEDIA ACCOUNTS OR IN MATERIALS AVAILABLE FOR SALE OR DOWNLOAD ON ANY OF THESE SITES PROVIDES PROFESSIONAL ADVICE IN ANY WAY. YOU SHOULD CONSULT WITH YOUR OWN ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR FOR ANY QUESTIONS YOU MAY HAVE. WE ASSUME NO RESPONSIBILITY FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF ANY LINK, INFORMATION, OR OPPORTUNITY CONTAINED WITHIN THESE WEBSITES OR WITHIN ANY INFORMATION DISCLOSED BY THE OWNER OF THIS SITE IN ANY FORM WHATSOEVER.
  • PURCHASE PRICE. ALTHOUGH WE BELIEVE THE PRICE IS FAIR FOR THE VALUE THAT YOU RECEIVE, YOU UNDERSTAND AND AGREE THAT THE PURCHASE PRICE FOR SAKSHI BHARDWAJ PRODUCTS AND/OR SERVICES HAS BEEN ARBITRARILY SET BY US. THIS PRICE BEARS NO RELATIONSHIP TO OBJECTIVE STANDARDS.


NO REFUND POLICY

ONCE PAID, REGISTRATION FEES FOR COURSES AND OTHER WORKSHOPS ARE NON-REFUNDABLE. IF A REGISTRANT DESIRES TO RESCHEDULE HIS OR HER REGISTRATION FOR A COURSE OR WORKSHOP, REGISTRATION IS TRANSFERABLE

TO ANOTHER COURSE OR A WORKSHOP HOSTED BY SAKSHI BHARDWAJ , HER AFFILIATES, SUBSIDIARIES, SUCCESSORS, OR ASSIGNED/ PERSONNEL DESIGNATED BY SAKSHI BHARDWAJ, OF SIMILAR VALUE ONLY, SO LONG AS THE REGISTRANT PROVIDES US WITH AT LEAST THIRTY (30) DAYS OF WRITTEN OR ELECTRONIC (EMAILED) NOTICE OF THE DESIRE TO TRANSFER THE REGISTRATION OF YOUR RESCHEDULED COURSE OR WORKSHOP. THIS MUST MUST TAKE PLACE WITHIN ONE (1) MONTH FROM THE ORIGINAL COURSE OR WORKSHOP DATE. A TRANSFER CERTIFICATE WILL BE SAVED IN YOUR PERSONAL RECORD WITH SAKSHI BHARDWAJ IN VALUE TO THE INDIAN RUPEE (INR) AMOUNT PAID FOR THE ORIGINAL REGISTRATION. AN ADMINISTRATIVE FEE OF RS.0 WILL APPLY IN THE WORKSHOP IF YOU TRANSFER YOUR COURSE OR WORKSHOP DATE AS PERMITTED ABOVE. SALE OR TRANSFER OF COURSE TICKETS OR CREDIT IS NOT PERMITTED.

WE RESERVE THE RIGHT TO CANCEL OR POSTPONE A COURSE OR RELATED WORKSHOP(S) IN OUR SOLE DISCRETION. IF WE CANCEL OR POSTPONE A COURSE OR WORKSHOP, WE WILL USE REASONABLE EFFORTS TO RESCHEDULE THE CANCELLED OR POSTPONED COURSE OR WORKSHOP WITHIN A MAXIMUM RANGE OF SIX (6) MONTHS AND A MINIMUM OF THIRTY (30) DAYS FROM ITS ORIGINAL START DATE. REGISTRATION FEES PAID BY REGISTRANTS FOR A CANCELLED OR POSTPONED COURSE SHALL BE APPLICABLE TO THE RESCHEDULED COURSE ON A RUPEE-FOR-RUPEE (INR) BASIS ONLY. IF SAKSHI BHARDWAJ ELECTS NOT TO RESCHEDULE THE CANCELLED COURSE OR WORKSHOP, THE REGISTRANT WILL BE OFFERED A REFUND. IF THIS OCCURS, OUR RESPONSIBILITY IS LIMITED TO A REFUND OF ANY REGISTRATION FEES ALREADY PAID. THE RECOMMENDATION IS NOT RESPONSIBLE FOR AIRLINE TICKETS HOTELS COSTS, OTHER TICKETS OR PAYMENTS, OR ANY SIMILAR FEE PENALTIES OR RELATED OR UNRELATED LOSSES, COSTS, AND/OR EXPENSES REGISTRANT MAY INCUR OR HAVE INCURRED AS A RESIT OF ANY TRIP CANCELLATIONS OR CHANGES. PLEASE ALLOW THIRTY (30) DAYS FOR US TO PROCESS ANY REFUNDS OR CREDIT CHANGES FROM THE DAY OF DECISION ANNOUNCEMENT.

THE COURSE AND LOCATION (ONLINE & OFFLINE) ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. SAKSHI BHARDWAJ RESERVES THE RIGHT TO CHANGE ANY AND ALL INSTRUCTORS FOR EACH COURSE OR WORKSHOP WITHOUT NOTICE. COURSE REGISTRANTS WILL RECEIVE PRIOR INFORMATION ON LOCATION OF COURSE OR WORKSHOP VIA DESIGNATED CHANNELS. BY REGISTERING FOR A COURSE, YOU ACKNOWLEDGE THAT SAKSHI BHARDWAJ DOES NOT MAKE ANY REPRESENTATION, WARRANTY, OR GUARANTEE AS TO WHETHER YOU WILL ULTIMATELY ATTAIN SUFFICIENT UNDERSTANDING AND KNOWLEDGE TO GET CLIENTS AND CUSTOMERS. REGARDLESS OF WHETHER YOU GET A CLIENT, ONCE PAID, THE REGISTRATION FEE BECOMES NON-REFUNDABLE. ANY RIGHT TO A REFUND IS NOT DEPENDENT ON WHETHER YOU GET A CLIENT OR CUSTOMER FROM SAKSHI BHARDWAJ OR HER PRODUCTS OR SERVICES. 


REGISTRATION CONFIRMATIONS

YOU WILL RECEIVE A COURSE OR HOTEL/ VENUE INFORMATION LETTER VIA EMAIL BY TWO WEEKS BEFORE THE SCHEDULED DATES OF YOUR COURSE, IN CASE OF OFFLINE COURSE OR WORKSHOP, AND A 12 HOUR INTIMATION OF AN ONLINE LOCATION VIA EMAIL AND/ OR WHATSAPP. IF YOU HAVE NOT RECEIVED IT WITHIN THE STIPULATED TIME MENTIONED ABOVE BEFORE THE SCHEDULED DATES OF YOUR COURSE, PLEASE CONTACT THE OFFICE AT +91 7827938266 OR EMAIL SAKSHIBHARDWAJ.HELP@GMAIL.COM.