Terms and Conditions

1. Agreement to these terms

These Terms and Conditions ("Terms") govern your access to monikasuryan.com and any digital products, ebooks, guides, or related materials offered by Monika Suryan ("we", "us", "our").

By visiting this website, making a purchase, or downloading any digital product, you agree to these Terms. If you do not agree, please do not use the website or purchase our products.

2. Who we are

This website is operated by Monika Suryan, an independent creator and developer based in India.

For questions about these Terms or your order, contact us at monika.suryan.cs@gmail.com.

3. Products and services

We offer digital products for personal, non-commercial use unless stated otherwise. Products may include ebooks, PDFs, bonus materials, and related downloadable content.

Product descriptions, pricing, and included bonuses are shown on the relevant sales page at the time of purchase. We may update offerings, content, or pricing at any time for future sales.

4. Purchases and payment

Payments are processed through third-party payment providers (such as Razorpay). We do not store your full card or banking details on our servers.

Prices are listed in Indian Rupees (INR) unless stated otherwise. You are responsible for any taxes, currency conversion fees, or charges imposed by your bank or payment provider.

A purchase is complete only after we receive successful payment confirmation from our payment provider.

5. Digital delivery

Digital products are delivered electronically, usually immediately after successful payment, via download links, redirect pages, or email (where applicable).

You are responsible for providing a valid email address and ensuring you can receive files. Delivery depends on your device, browser, and internet connection.

We are not responsible for failed downloads caused by factors outside our control, including full storage, incompatible software, or email filters. Contact us if you have trouble accessing your purchase and we will help resolve it.

6. License and permitted use

Upon purchase, you receive a personal, non-exclusive, non-transferable license to access and use the digital product for your own learning and reference.

You may not:

• Resell, redistribute, share, or upload the product (or any part of it) publicly or privately without written permission
• Use the content to create a competing product or course
• Remove copyright notices or claim the work as your own
• Use automated tools to scrape, copy, or mass-distribute the materials

Unless expressly stated, no commercial license is granted.

7. Refunds

Because our products are digital and delivered instantly, all sales are generally final once access is provided.

If a product page or checkout explicitly offers a refund policy (for example, a satisfaction guarantee within a stated period), that policy applies to that specific product.

Refund requests must be sent to monika.suryan.cs@gmail.com with your payment details and reason for the request. Approved refunds are processed through the original payment method where possible.

We reserve the right to refuse refunds in cases of abuse, repeated chargebacks, or clear evidence that the product was downloaded and used.

8. Educational disclaimer

Our content is for educational and informational purposes only. It does not constitute legal, financial, medical, or professional advice.

We do not guarantee specific results, income, career outcomes, or business performance from using our materials. Your results depend on your effort, skills, and circumstances.

AI tools, salaries, and industry information may change over time. We aim to keep content current but make no warranty that all information is complete or up to date at all times.

9. Intellectual property

All website content, branding, text, graphics, ebooks, and downloadable materials are owned by Monika Suryan or used under license. All rights are reserved.

Trademarks and names of third-party companies or products mentioned in our materials belong to their respective owners and are used for identification only.

10. Limitation of liability

To the fullest extent permitted by applicable law, Monika Suryan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or products.

Our total liability for any claim related to a purchase shall not exceed the amount you paid for that specific product.

11. Third-party links and tools

Our website or products may reference third-party websites, tools, or services. We are not responsible for their content, policies, pricing, or availability.

Your use of third-party services is governed by their own terms and privacy policies.

12. Privacy

We collect and use personal information as needed to process orders, deliver products, and communicate with you. We do not sell your personal data.

Payment processing is handled by secure third-party providers. Contact us if you have questions about how your data is handled.

13. Changes to these terms

We may update these Terms from time to time. The "Last updated" date at the top of this page shows when they were last revised.

Continued use of the website after changes are posted constitutes acceptance of the updated Terms. Material changes may also be noted on product pages where relevant.

14. Governing law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Gurugram, Haryana, India, unless otherwise required by applicable law.

15. Contact

For questions about these Terms, your order, or access to a digital product:

Email: monika.suryan.cs@gmail.com
Website: monikasuryan.com