Introduction

1.1 SnP Value Educator LLP (“Company”, “we”, “us” and “our”) respects the privacy of its users accessing its website at www.valueeducator.in (“Website”). For the purposes of this privacy policy (“Privacy Policy”) and wherever the context so requires “you”, “your”, “yourself”, “user” shall mean any natural or legal person who accesses or uses the Website and in the event that a natural person is representing a business entity, reference to such terms shall include a reference to the business entity.
1.2 The Company has adopted this Privacy Policy, in compliance with the provisions of applicable laws, to inform you of what information we collect from you through the Website, how we collect the information, how we may use it and the steps we take to protect it.
1.3 The Company has provided this Privacy Policy to familiarise you with:
- The type of data or information that you share with or provide to Company and that Company collects from you;
- The purpose for collection of such data or information from you;
- Company’s information security practices and policies; and
- Company’s policy on sharing or transferring your data or information with third parties.
1.4 The capitalized words and expressions used in this Privacy Policy and not defined herein but defined in the Information Technology Act 2000 (“IT Act”) and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“SPDI Rules”) will have the meanings assigned to them thereunder.
1.5 Please note that usage of the term Personal Information includes Sensitive Personal Data or Information (“SPDI”), wherever appropriate and/or mandated under the IT Act and the SPDI Rules.

Collection of Information

2.1 The “Information” provided by you to Company or collected from you by Company may consist of “Personal Information” and “Non-Personal Information”.
2.2 Personal Information for the purposes of this Privacy Policy shall include, but not be limited to:
- Your user name along with your password;
- Your name;
- Your address;
- Your telephone number;
- Your e-mail address or other contact formation;
- Your date of birth;
- Your gender;
- Information regarding your transactions on the Website, (including sales or purchase history);
- Your financial information such as bank account information or credit card or debit card or other payment instrument details including one-time password;
- Internet protocol address;
- Any other Information that you provide during your registration process, if any, on the Website; or
- [Identification code of your communication device which you use to access the Website or otherwise deal with Company],
2.3 Such Personal Information may be collected in various ways including during the course of you availing certain services offered on the Website. Such instances include but are not limited to making an online purchase, participating in any online survey or contest, communicating with Company’s customer service by phone, email or otherwise or posting user reviews on the items available on the Website.
2.4 We may receive Personal information about you from third parties, such as social media services, commercially available sources and business partners. If you access Website through a social media service or connect a service on Website to a social media service, the information we collect may include your user name associated with that social media service, any information or content the social media service has the right to share with us, such as your profile picture, email address or friends list, and any information you have made public in connection with that social media service. When you access the Website or otherwise deal with the Company through social media services or when you connect any Website to social media services, you are authorizing Company to collect, store, and use and retain such information and content in accordance with this Privacy Policy
2.5 You represent that the Personal Information you provide to us from time to time is and shall be correct, current and updated and that you have all the rights, permissions and consents to provide such information. Your providing the data/ information and the Company’s consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third -party agreement, laws, judgments, orders or decrees.

Non Personal Information:

2.6 Company may also collect information other than Personal Information from you through the Website when you visit and / or use the Website. Such information may be stored in server logs. This Non-Personal Information would not assist Company to identify you personally. This Non-Personal Information may include:
- Your geographic location;
- Details of your telecom service provider or internet service provider;
- The type of browser (internet explorer, firefox, opera, google chrome etc.);
- The operating system of your system, device and the Website you last visited before visiting the Website;
- The duration of your stay on the Website is also stored in the session along with the date and time of your access, Non-Personal Information is collected through various ways such through the use of cookies.

Purpose and Usage of Personal Information

3.1 The Company does not disclose, transfer, trade, rent or sell your Personal Information in any manner, except as specified herein or if you express your consent towards the same.
3.2 Information provided by you is used only:
- To facilitate your use of the Website;
- To respond to your concerns, inquiries or address your requests for information about the various services we offer;
- To provide you with information about Company’s services/products and send you information, materials and offers from the Company;
- To send you important information regarding the Website, changes to Company’s terms of service and various policies and/or other miscellaneous information;
- To send you surveys and marketing communications that the Company believes may be of interest to you;
- To personalize your experience on our Website;
- To complete and fulfill your purchase, if you purchase any content or avail of any service from the Website, for example, to have your payments processed, communicate with you regarding your purchase and provide you with related customer service;
- To administer product downloads;
- To conduct internal reviews and data analysis for the Website (e.g., to determine the number of visitors to specific pages within the Website);
- To improve the services, content and advertising on the Website;
- To protect the integrity of the Website; and
- To comply with legal requirements and disclosures provided under the laws of India.
3.3 Your Information will be kept confidential to the maximum possible extent and in accordance with the provisions set out herein.

Cookies & Shared Objects

3.4 Cookies are alphanumeric identifiers that our Website places onto your computer’s hard drive. Company may store temporary or permanent ‘cookies’ on your computer. We may also use cookies and/or shared objects to track and understand the traffic on our Website. Cookies identify your computer so that we can recognize you the next time you visit us. We may use cookies and/or shared objects to collect and store some information about you, such as the name of the domain and host from which you access the internet, the internet protocol address of the computer you are using, the date and time you access our Website and the internet address of the Website from which you linked directly to our Website. We use this information to better understand our users and customize our site for users’ particular preferences. You can erase or choose to block these cookies from your computer. You can configure your computer’s browser to alert you when we attempt to send you a cookie with an option to accept or refuse the cookie. If you have turned cookies off, you may be prevented from using certain features of the Website.

Advertising

4.1 The Company uses some third parties to administer a limited set of advertisements on our Website and portals. During this process, none of your Personal Information is leaked. However, aggregate profile information, such as user community, may be used in the selection of advertising to make sure that it has relevance to the user. On some banner ads, an embedded pixel may be present, and while it does not associate with a cookie or other personal profile information, it may return session connection information that allows advertisers to better determine how many individual users have clicked on the ad banner. We do not disclose your Personal Information to third parties for their marketing and advertising purposes.
- Links to other third party sites
4.2 The Website may provide third party information and links to other websites that are not affiliates of or operated or controlled by the Company including but not limited to payment gateways or social networking websites. The Company is not responsible for any form of transmission, whatsoever, received by you from any third party website and accordingly does not make any representations concerning the privacy practices or other policies of such third party websites. Under no circumstances shall the Company be deemed to control or guarantee the accuracy, integrity, or quality of the information, data, text, software, sound, photographs, graphics, videos, cookies, messages or other materials available on such websites. Any user Information provided by you to such third party websites shall be governed in accordance with the privacy policies of such websites and it is recommended that you review the privacy policy of such websites prior to using such websites.

Disclosure of Personal Information

4.3 We may disclose your Personal Information when required to do so by law or regulation, or under any legal obligation or order under law or in response to a request from a law enforcement or governmental agency or judicial, quasi-judicial or any other statutory or constitutional authority or to establish or exercise our legal rights or defend against legal claims.
4.4 We may disclose your Personal Information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.

Security Practices and Procedures

5.1 The security of your Information is very important to the Company. We use reasonable security measures, at the minimum those mandated under the applicable laws, to safeguard and protect your Information. You accept the inherent security implications of providing privacy to your Information shared with us and you will not hold us responsible for any breach of security or the disclosure of Information unless we have been grossly and willfully negligent.
5.2 We may enter into agreement with third parties (in or outside of India) to store your Information. These third parties may have their own security standards to safeguard your information or data and we will on commercial reasonable basis require such third parties to adopt reasonable security standards to safeguard your information or data.
5.3 Notwithstanding anything contained in this Privacy Policy or elsewhere, we shall not be held responsible for any loss, damage or misuse of your Information, if such loss, damage or misuse is attributable to a Force Majeure Event. A “Force Majeure Event” shall mean any event that is beyond our reasonable control and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, etc.
5.4 In the event of any breach of your Personal Information, the Company will, without unreasonable delay, notify you of it by email or fax and take appropriate measures in compliance with the provisions of applicable laws.

Miscellaneous

User Rights and Discretion

6.1 All Personal Information provided to the Company by you have been voluntarily provided by you. You have the right to withdraw your consent at any time in writing by sending an e-mail to us at admin@valueeducator.in, in accordance with the terms of this Privacy Policy. However, please note that withdrawal of consent will not be retrospective in nature and shall be applicable prospectively. In case you do not provide your Personal Information or consent for usage of your Personal Information or subsequently withdraw your consent for usage of the Personal Information so collected, the Company reserves the right to discontinue the services for which said Information was sought.
6.2 You can review, modify, add, correct or update your Personal Information on a regular basis. When you update information, the Company will keep a copy of the prior version for its records. However, we are not responsible for the authenticity of the Personal Information provided by you.
6.3 You agree and acknowledge that certain data or information cannot be corrected or deleted or is prohibited to be deleted as required under any applicable law, law enforcement requests or under any judicial proceedings. In respect to such data or information, the aforementioned rights will not be available.
6.4 The Company may, if you prefer, send direct advertisement mailers to you at the address given by you. You have the option to opt-out of this direct mailer by clicking at the unsubscribed link option attached to e-mail.

Important Disclaimer

6.5 Although the Company provides full security and secrecy to your Personal Information, we urge you to be careful with sharing of your Personal Information with any third party claiming to be related to the Company on separate emails/phone calls etc. The Company disclaims any and all liabilities towards any such claims that have arisen due to your own negligence or willful misconduct and the Company takes no responsibility of the same.

Change in Privacy Policy

6.6 Although the Company provides full security and secrecy to your Personal Information, we urge you to be careful with sharing of your Personal Information with any third party claiming to be related to the Company on separate emails/phone calls etc. The Company disclaims any and all liabilities towards any such claims that have arisen due to your own negligence or willful misconduct and the Company takes no responsibility of the same. Change in Privacy Policy

Changes in Constitution

6.7 We and our affiliates may disclose or transfer some or all of your Personal Information with another business entity should we (or our assets) plan to merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business. When such transaction occurs, then the other business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to your Personal Information.

Further Acknowledgements

6.8 You hereby acknowledge and agree that this Privacy Policy:
- Is clear and easily accessible and provide statements of Company’s policies and practices with respective to the Information;
- Provides for the various types of personal or sensitive personal data of information to be collected;
- Provides for the purposes of collection and usage of the Information;
- Provides for disclosure of Information; and
- Provides for reasonable security practices and procedures.

Grievance redressal

6.9 The Company respects your privacy and if you do not want to receive any kind of communications from valueeducator.com or have any grievances to share, please report to: Email: admin@valueeducator.in

Our Services and Pricing

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of www.valueeducator.in (“Website”).

Welcome to [VALUEEDUCATOR] (“” Company or “Site” or “Application”). This Site is owned and operated by SnP Value Educator LLP (“VALUEEDUCATOR”).

Access to and use of www.valueeducator.in and the products and service available through the website are subject to the following terms, conditions and notices (“Terms of Service”). By browsing through these Terms of Service and using the services provided by our website www.valueeducator.in , you agree to all Terms of Service along with the Privacy Policy on our website, which may be updated by us from time to time. Please check this page regularly to take notice of any changes we may have made to the Terms of Service.

Introduction

The domain name www.valueeducator.in is a site operated by SnP Value Educator LLP., a company incorporated under laws of India with our registered office at 110, Greens Center, Thergaon, Pune – 411033, Pune, India

Services

www.valueeducator.in offers investment related educational services to the registered customers. Online membership allows customers to access online courses and a variety of study material. Upon placing an order, www.valueeducator.in enables these services to customer's online account and be entitle to its payment for the service.

Third Party Websites and Content

Our website provides links for sharing our content on Facebook, twitter and other such third party website. These are only for sharing and/or listing purpose and we take no responsibility of the third party websites and/or their contents listed on our website (www.valueeducator.in) and disclaim all our liabilities arising out of any or all third party websites.

We disclaim all liabilities and take no responsibility for the content that may be posted on such third party websites by the users of such websites in their personal capacity on any of the above mentioned links for sharing and/or listing purposes as well as any content and/or comments that may be posted by such user in their personal capacity on any official webpage of www.valueeducator.in on any social networking platform.

Privacy Practices

We understand the importance of safeguarding your personal information and we have formulated a Privacy Policy, to ensure that your personal information is sufficiently protected. Apart from these Terms of Use, the Privacy Policy shall also govern your visit and use of the Site. Your continued use of the Site implies that you have read and accepted the Privacy Policy and agree to be bound by its terms and conditions. You consent to the use of personal information by www.valueeducator.in in accordance with the terms of and purposes set forth in the Privacy Policy, the same may be subject to amendment from time to time at the sole discretion of www.valueeducator.in without any notice.

Exactness of the Services

The images and video on the website are for illustrative purposes only.

Pricing

We ensure that all details of prices appearing on the website are accurate, however errors may occur. If we discover an error in the price of any goods and services which you have ordered, we will inform you of this as soon as possible. If we are unable to contact you we will treat the order as cancelled. If you cancel and you have already paid for the goods, you will receive a full refund.

Additionally, prices for services may change from time to time without notice. However, these changes will not affect orders that have already been enabled for your account. The price of an services includes GST (or similar sales tax) at the prevailing rate for which we are responsible as a provider. Please note that the prices listed on the website are only applicable for services purchased on the website and not through any other source.

Mode of Payment

Payments for the products and services available on the Site may be made in the following ways

- Payments can be made by Credit Cards, Debit Cards, Net Banking, Wallets.
- Credit card, Debit Card and Net Banking payment options, Wallets, are instant payment options and recommended to ensure faster processing of your order.

Delivery

Our services are offered online and contents are made available through our website and mobile applications. There is no physical delivery of items involved. On placing your order, you will receive an email containing a summary of the order. Sometimes, to enable services in your account may take longer due to unforeseen circumstances. In such cases, we will proactively reach out to you by e-mail and SMS. However, we will not be able to compensate for any mental agony caused due to delay in delivery.

Returns & Refund

1. Please note that no refunds will offered once the service is enabled for your online account.
2. If the different service is enabled wrongfully (different service instead of the service mentioned in the order confirmation) then we are open to extending full refund.
3. No refunds would be given if the customer has provided wrong or incomplete email address.

Intellectual Property Rights

All and any intellectual property rights in connection with the products shall be owned absolutely by the Company.

Law and Jurisdiction

These terms shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles and disputes arising in relation hereto shall be subject to the exclusive jurisdiction of the courts at Pune.

Indemnification

You agree to indemnify, defend and hold harmless the Company, its directors, officers, employees, consultants, agents, and affiliates, from any and all third party claims, liability, damages or costs arising from your use of this website, your breach of these Terms of Service, or infringement of any intellectual property right.

Violation & Termination

You agree that the Company may, in its sole discretion and without prior notice, terminate your access to the website and block your future access if we determine that you have violated these Terms of Service or any other policies. If you or the Company terminates your use of any service, you shall still be liable to pay for any service that you have already ordered till the time of such termination

Site Security

You are prohibited from violating or attempting to violate the security of the Site, including, without limitation
- accessing data not intended for you or logging onto a server or an account which you are not authorized to access;
- attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;
- attempting to interfere with service to any other user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;”
- sending unsolicited email, including promotions and/or advertising of products or services; or
- forging any header or any part of the header information in any email or newsgroup posting. Violations of system or network security may result in civil or criminal liability.

www.valueeducator.in entitled to investigate occurrences that may involve such violations and may involve, and co-operate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available from www.valueeducator.in this Site and other than generally available third-party web browsers (e.g., Netscape Navigator, Microsoft Explorer)

Disclaimer of Warranty and Limitation of Liability

THE SITE IS PRESENTED “AS IS.” NEITHER WE NOR OUR HOLDING, SUBSIDIARIES, AFFILIATES, PARTNERS, OR LICENSORS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THESE TERMS AND CONDITIONS OR THE SITE OR ANY OF THE CONTENT, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, EXCEPT TO THE EXTENT SUCH REPRESENTATIONS AND WARRANTIES ARE NOT LEGALLY EXCLUDABLE.

YOU AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER WE NOR OUR HOLDING, SUBSIDIARIES, AFFILIATES, PARTNERS, OR LICENSORS WILL BE RESPONSIBLE OR LIABLE (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE) UNDER ANY CIRCUMSTANCES FOR ANY (a) INTERRUPTION OF BUSINESS; (b) ACCESS DELAYS OR ACCESS INTERRUPTIONS TO THE SITE; (c) DATA NON-DELIVERY, LOSS, THEFT, MISDELIVERY, CORRUPTION, DESTRUCTION OR OTHER MODIFICATION; (d) LOSS OR DAMAGES OF ANY SORT INCURRED AS A RESULT OF DEALINGS WITH OR THE PRESENCE OF OFF-WEBSITE LINKS ON THE SITE; (e) VIRUSES, SYSTEM FAILURES OR MALFUNCTIONS WHICH MAY OCCUR IN CONNECTION WITH YOUR USE OF THE SITE, INCLUDING DURING HYPERLINK TO OR FROM THIRD PARTY WEBSITES; (f) ANY INACCURACIES OR OMISSIONS IN CONTENT; OR (g) EVENTS BEYOND THE REASONABLE CONTROL OF WWW.VALUEEDUCATOR.IN WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT DEFECTS OR ERRORS WILL BE CORRECTED.

FURTHER, TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR SUBSIDIARIES, AFFILIATES, PARTNERS, OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS) RELATED TO THE SITE OR YOUR USE THEREOF REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND IN NO EVENT SHALL OUR MAXIMUM AGGREGATE LIABILITY EXCEED.

YOU AGREE THAT NO CLAIMS OR ACTION ARISING OUT OF, OR RELATED TO, THE USE OF THE SITE OR THESE TERMS AND CONDITIONS MAY BE BROUGHT BY YOU MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION RELATING TO SUCH CLAIM OR ACTION AROSE. IF YOU HAVE A DISPUTE WITH US OR ARE DISSATISFIED WITH THE SITE, TERMINATION OF YOUR USE OF THE SITE IS YOUR SOLE REMEDY. WE HAVE NO OTHER OBLIGATION, LIABILITY, OR RESPONSIBILITY TO YOU.

This disclaimer constitutes an essential part of this Terms of Use.

General

We reserve the right, in our sole discretion, to change/ alter/ modify these Terms and Conditions at any time by posting the changes on the Site. Any changes are effective immediately upon posting to the Site. Your continued use of the Site thereafter constitutes your agreement to all such changed Terms and Conditions. We may, with or without prior notice, terminate any of the rights granted by these Terms and Conditions. You shall comply immediately with any termination or other notice, including, as applicable, by ceasing all use of the Site.

Nothing contained in these Terms and Conditions shall be construed as creating any agency, partnership, or other form of joint enterprise between us. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms and Conditions shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms and Conditions unenforceable or invalid as a whole but these Terms and Conditions shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision. The headings in the Terms and Conditions are for convenience only and shall not be used in its interpretation.

Contact Information

If you have any questions, comments or requests regarding our Terms of Service or the website please contact us at admin@valueeducator.in

Policy Effective Date: 01-Nov-2022

Our Services and Pricing

SnP Value Educator team's objective is to promote and educate value investing concepts within the retail community. We believe that the entire echo system can benefit by investing in differentiating businesses run by management with high integrity and ethics. We study different companies and their management capabilities and share the knowledge of such opportunities with the retail community. We operate a YouTube channel with 70,000 followers, with whom we share our research and findings. We also offer paid learning courses to our registered users. We offer paid services such as Value Investing Master Course (for example Rs. 15000 with one year access), Price Action Master Course (for example Rs. 15000 with one year access), Webinar (for example Rs. 500 with one year access), Model Portfolio (for example Rs. 15000 with one year access), and MicroCap Club (for example Rs. 20100 with one year access) membership programs. The above pricing are just as an example. It can change without any notification to you.

Cancellation ( Applicable Before "Use of Service" )

Registered users can find refund link under mySubscription section if the designated service allows cancellation. Only WhatsAlerts service has a cancellation or refund policy in place as of today. Cancellations and refunds are not allowed for Model Portfolio and Webinar services. Therefore only purchase if you are sure. Once the refund request successfully processed by the payment gateway, the amount, after deducting Bank or Payment Gateway charges (if there are any charges), will be refunded within 7 days. The refund requests are not allowed after 3 days of online purchase. No amount will be refunded for Model Portfolio and Webinar servces.

Refund ( Applicable After "Use of Service" )

We do not provide any refund after use of our service.

Use of Service

Joining telegram channel, or adding at least one company under watchlist or viewing model portfolio at least once or attending a webinar or online meeting or accessing any learning course or receiving at least one message on WhatsApp account will be considered as Use of Service.