This website is owned and operated by FINXL.
Please carefully read these Website Terms of Use before using the FINXL website. These Website Terms of Use are a binding agreement that governs the use of the FINXL website, exempts FINXL and other persons from liability, specifies the jurisdiction for the resolution of disputes, and contains other important provisions.
By using the FINXL website, you acknowledge and signify that you have read, understand, and agree to these terms of use. If you do not agree to these terms of use, then you may not use the FINXL website.

1. Your Acceptance of these Website Terms of Use

These Website Terms of Use are a binding agreement between you and FINXL. (“FINXL”) regarding your access to and use of the FINXL website (the “Website”). Each time you use the Website, you signify your unconditional acceptance and agreement, without limitation or qualification, to the most current version of these Website Terms of Use. If you do not unconditionally accept and agree to these Website Terms of Use, then you may not use the Website.
In this Agreement, a reference to the Website includes all of the Website’s content (including all text, graphics, images, video, and other elements available on or through the Website) and the design, structure, selection, arrangement, and look and feel of each element of Website content and the Website as a whole.

2. Other Agreements

These Website Terms of Use are related to the Website only. Products and services advertised on or available through the Website are governed by other applicable agreements prescribed by FINXL or its corporate affiliates, including the FINXL Institute® Terms of Service
Certain features or functionalities of the Website are restricted to individuals who hold a valid and subsisting FINXL account, which is governed by the FINXL Institute® Terms of Service.

3. Permitted Users

The Website may be used only by individuals (natural persons) who are the age of majority in the jurisdiction in which they live and are capable of forming a binding contract under applicable law. You may not use the Website if you do not accept and agree to these Website Terms of Use, if you have breached these Website Terms of Use or if your permission to use the Website has been suspended or terminated by FINXL.

4. General

Our Services enable students (“Students”) to connect with Learning Management System (the “LMS”, collectively with Students, the “Users”) which provide access to the video tutorials recorded live in the class, tutoring, and learning services (the “Courses”) via Our Services. The Services include, without limitation, facilitating and hosting Courses and supporting materials, and taking feedback from Users. From time to time, We may update these Terms to clarify our practices or to reflect new or different practices, such as when We add new features, and FINXL reserves the right in its sole discretion to modify and/or make changes to these Terms at any time. If We make any material change to these Terms, We will notify You using prominent means such as by email notice sent to the email address specified in Your Account or by posting a notice through Our Services. Modifications will become effective on the day they are posted unless stated otherwise.

Your continued use of Our Services after changes become effective shall mean that You accept those changes. You should visit the Services regularly to ensure You are aware of the latest version of the Terms, as any revised Terms shall supersede all previous Terms.

FINXL may modify the Services or discontinue their availability at any time.

You are solely responsible for all service, telephony, data charges and/or other fees and costs associated with Your access to and use of the Services, as well as for obtaining and maintaining all telephone, computer hardware, and other equipment required for such access and use.

If You elect to access or use Our Services that involve payment of a fee, then You agree to pay, and will be responsible for payment of, that fee and all taxes associated with such access or use. If You provide credit card information to pay for such fees then You hereby represent and warrant that You are authorized to supply such information and hereby authorize FINXL to charge Your credit card on a regular basis to pay the fees as they are due.

If Your payment method fails or Your Account is past due, then We may collect fees owed using other collection mechanisms. This may include charging other payment methods on file with Us and/or retaining collection agencies and legal counsel. We may also block Your access to any Services pending resolution of any amounts due by You to FINXL .

All of Your use, access and other activities relating to the Services must be in compliance with all applicable laws and regulations, including, without limitations, laws relating to copyright and other intellectual property use, and to privacy and personal identity. Further, access to Our Services from territories where their contents are illegal is prohibited. Those who choose to access or use the Services from locations outside of India do so at their own initiative and are responsible for compliance with all local rules including, without limitation, rules about the internet, data, e-mail, or privacy. You further agree to comply with all applicable laws regarding the transmission of technical data exported from the country in which You reside. If You use the Services or Third Party Platforms (as defined in the next section) from countries outside of India You must agree to abide by all local rules regarding online conduct and acceptable content.

5. Conduct

You may only access the Services for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, rules, and regulations pertaining to Your use of the Services. You agree not to use or copy the Services or the Content to train potential users without Our advance written permission, which may be withheld in Our sole discretion. You assume any and all risks from such activities.

6. Obligations of Students

As a Student, You represent, warrant and covenant that:
i. You have read, understood, and agree to be bound by the pricing information (see the Pricing section below) before using the Services or registering for a Course.
ii. You will not upload, post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes or any other form of solicitation (commercial or otherwise) through the Services.
iii. You will not post or provide any inappropriate, offensive, racist, hateful, sexist, pornographic, false, misleading, incorrect, infringing, defamatory or libelous content or information.
iv. You will not copy, modify, reverse engineer, reproduce, distribute, publicly display, publicly perform, communicate to the public, create derivative works from, deface, tarnish, mutilate, hack, interfere with, or otherwise use and exploit any Company Content, the Services or Courses or Submitted Content except as permitted by these Terms or the relevant Instructor as applicable.
v. You will not frame or embed the Services to circumvent the Services.
vi. You will not impersonate another person or gain unauthorized access to another person’s Account.
vii. You will not introduce any virus, worm, spyware or any other computer code, file or program that may or is intended to damage or hijack the operation of any hardware, software or telecommunications equipment, or any other aspect of the Services or operation thereof; scrape, spider, use a robot or other automated means of any kind to access the Services.

7. Registration

To use certain Services, You will need to register and obtain an account and password. When You register, the information You provide to Us during the registration process will help Us in offering content, customer service, network management and other services. You are solely responsible for maintaining the confidentiality of Your account, Username, and password (collectively, Your “Account”) and for all activities associated with or occurring under Your Account. You represent and warrant that Your Account information will be accurate at all times. You must notify Us (a) immediately of any unauthorized use of Your Account and any other breach of security, and (b) ensure that You exit from Your Account at the end of each use of the Services. To the extent permissible under applicable law, we cannot and will not be responsible for any loss or damage arising from Your failure to comply with the foregoing requirements or as a result of use of Your Account, either with or without Your knowledge, prior to Your notifying Us of unauthorized access to Your Account.
You may not transfer Your Account to any other person and You may not use anyone else’s Account at any time without the permission of the Account holder.

8. Payment

i. Pricing. Pricing of FINXL Courses is determined in accordance with the terms set forth in Our Pricing and promotion policy. If You are a Student, You agree to pay the fees for Courses that You purchase. If because of any technical reason or problem with Payment Gateway server or Your Banker or credit card issuing bank is declined, You agree to pay Us the fees within 24 HOURSE of notification from Us.
ii. Payment. All payments are made to FINXL By purchasing Courses, You are confirming that You want the Course immediately credited to Your Account and that by doing so You are hereby waiving any and all cancellation rights under applicable laws. You will still be eligible for 24 HOURSE refund right as set forth in this section. For the avoidance of any doubt, refunds to You shall be applicable only in accordance with our refund policy described in this section.
iii. Third-Party Payment Processors.FINXL currently uses third-party payment processors for electronic commerce. Our third-party payment processors accept payments through the methods detailed on the applicable payment screen, which may include various credit cards, Google Pay, Phonepe and Paytm. Information that you supply to our payment processors is not stored by us or within our control and is subject to each of ourthird-party payment processors’ own privacy policies and terms and conditions. Third-party payment processors may charge a fee to process payments and FINXL is not responsible for any fees charged by them. FINXL disclaims all liability with regards to any fees or problems you may have with third-party payment processors.
iv. Pre-Authorization. When you provide a credit card numberto us to activate and/or pay for any fees related to FINXL, we, through our third-party payment processors, may seek pre-authorization of your credit card account prior to a purchase to verify the credit card is valid and/or has the necessary funds or credit available to cover your purchase. These pre-authorizations will reduce your available balance by the authorization amount until it is released or reconciled with the actual charge. Please contact your card issuer if you have additional questions regarding when an authorization amount will be removed from your statement.
v. TaxesAll applicable taxes are included in the quoted price
vi. CurrencyWe accept a variety of international currencies, including but not limited to U.S. Dollars, Great Britain Pounds, and Euros, depending on where you are located. The currency required for settling transactions with us will be displayed when you check out. Your transaction may be subject to applicable currency conversion-related transaction fees and exchange rate changes.

9 Communication

If you have registered to use the FINXL Service or are registered for a Course, you agree to receive emails from us at the email address you provided to us for customer service related purposes, even if you have chosen to opt-out of marketing communications.
Electronic Notices: By using the FINXL Service or providing any personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the FINXL Service. If we learn of a security breach relating to your personal information that is required to be reported pursuant to applicable security breach notification laws, we may attempt to notify you electronically by posting a notice on the FINXL Service or by sending an email directly to you

10. Trademarks

The trademarks, service marks, and logos (the “Trademarks”) used and displayed through Our Services or in any Company Content are Our registered or unregistered Trademarks or of Our suppliers or third parties and are protected pursuant to India and foreign trademark laws. All rights are reserved and You may not alter or obscure the Trademarks, or link to them without Our prior approval.

11. Termination

FINXL reserves the right to terminate, suspend, modify, or delete, at Our sole discretion, any Company Content, Courses, or any Service; and Your access to Our Services or Your Account, as follows:
If You breach or violate any of these Terms or any of Our applicable policies, as posted on Our Services from time to time, FINXL may take action immediately without prior notice to You. If We take action pursuant to this section, we shall not have any liability to You for any Course(s) You may have purchased nor for any other use of Our Services associated with Your Account. For the avoidance of any doubt, You understand and agree that You will not be compensated nor be eligible for any refund under any circumstances for any such access lost to Our Services, including without limitation to Course(s) You may have purchased

12. Miscellaneous

Entire Agreement: These Terms and any policies applicable to You posted on Our Services constitute the entire agreement between the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.
Severability: If any provision of these Terms is found to be illegal, void, or unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions of these Terms.
Waiver: A provision of these Terms may be waived only by a written instrument executed by the party entitled to the benefit of such provision. The failure of FINXL to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
Notice: Any notice or other communication to be given hereunder will be in writing and given by facsimile, postpaid registered or certified mail return receipt requested, or electronic mail.
No Agency: Nothing in these Terms shall be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor, or employee of the other. Neither FINXL nor any other party to these Terms shall have, or hold itself out to any third party as having, any authority to make any statements, representations, or commitments of any kind, or to take any action that shall be binding on the other except as provided for herein or authorized in writing by the party to be bound.
Governing Laws: These Terms and Your use of the Services shall be governed by the substantive laws of the Government of India without reference to its choice or conflicts of law principles that would require the application of the laws of another jurisdiction, and shall be considered to have been made and accepted in India.