Terms & Conditions

1. Acceptance of Terms

By accessing or using the Shivam Talks platform operated by JAYKAY Overseas, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Use of the Platform

• You must be at least 18 years old to use this platform.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree not to reproduce, distribute, or share any course content without explicit written permission.

3. Course Access

Upon successful payment, you will be granted lifetime access to the purchased course content. Access is personal and non-transferable.

4. Payments & Pricing

• All prices are listed in Indian Rupees (INR) and are inclusive of applicable taxes unless stated otherwise.
• Payments are processed through secure third-party payment gateways.
• We reserve the right to change pricing at any time. Existing purchases will not be affected.

5. Refund Policy

Due to the digital nature of our products, all sales are final. We do not offer refunds once course access has been granted. If you experience any technical issues, please contact our support team and we will work to resolve them promptly.

6. Intellectual Property

All content on this platform — including videos, text, graphics, and branding — is the property of JAYKAY Overseas and is protected by intellectual property laws. Unauthorised use may result in legal action.

7. Limitation of Liability

Shivam Talks and JAYKAY Overseas shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform. Our total liability is limited to the amount you paid for the relevant course.

8. Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in fraudulent or abusive behaviour.

9. Governing Law

These terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in India.

10. Contact

For any questions regarding these Terms, contact us at: support@shivamtalks.in