1. Introduction & Acceptance

By accessing, browsing, or using this website and purchasing any of the courses offered by COWARTU, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions, along with our Privacy Policy and any other guidelines or policies referenced herein. These Terms apply to all users of the website, including but not limited to students, visitors, and contributors of content.

If you do not agree to these Terms, you must immediately discontinue use of this website and refrain from purchasing any courses. Your continued use of the website constitutes acceptance of any changes or updates to these Terms and Conditions.

The Company reserves the right to update, modify, or replace any part of these Terms without prior notice. It is the responsibility of the user to review this page periodically for changes. Failure to review or ignorance of the Terms does not exempt you from your obligations.

By accepting these Terms, you confirm that you are legally competent to enter into this agreement, and that the information you provide during registration or purchase is true, complete, and accurate. Misrepresentation of identity or information may lead to suspension or termination of your access.

2. Definitions

For the purposes of these Terms and Conditions, unless the context requires otherwise, the following definitions shall apply:

“Company”, “We”, “Our”, or “Us” refers to COWARTU, its owners, directors, employees, affiliates, and authorized representatives who operate and manage this website and its services.

“Website” refers to the online platform operated under the domain [ COWARTU ], including all its subdomains, mobile applications, and digital services.

“User”, “You”, or “Student” refers to any individual who accesses, registers, or purchases courses from this website, whether as a visitor, registered member, or enrolled learner.

“Courses” or “Content” means all forms of educational material offered on the website, including but not limited to video lessons, audio files, written documents, eBooks, assignments, quizzes, downloadable resources, and live sessions.

“Instructor” means any individual or organization that creates, develops, or delivers course material hosted or sold through this website, either directly employed by the Company or as an independent partner.

“Services” refers collectively to all educational offerings, tools, features, memberships, subscriptions, and support provided through the website.

“Account” means the user profile created during registration on the website, which contains personal details, course access records, and purchase history.

“Third-Party Services” means any external platforms, such as payment gateways, hosting services, or software tools, that integrate with or support the functionality of this website.

“Agreement” refers to these Terms and Conditions, along with the Privacy Policy and any other guidelines published by the Company, as may be amended from time to time.

3. Eligibility

The services offered on this website are available only to individuals who are legally capable of entering into a binding contract under the Indian Contract Act, 1872. By accessing or purchasing any course from COWARTU, you confirm that you are at least 18 years of age.

If you are below 18 years of age, you may use our services only under the supervision and consent of a parent or legal guardian. In such cases, the parent or guardian shall be deemed the actual contracting party and will be responsible for all activities carried out under the minor’s account.

By using this website, you further confirm that you are not barred from receiving services under any applicable Indian laws. You agree to provide accurate and truthful information during registration and course purchase. Any misrepresentation of identity, age, or eligibility may lead to immediate suspension or termination of your account without any liability on the part of the Company.

The Company reserves the right to refuse access to its services at its sole discretion if it believes that you do not meet the eligibility criteria.

4. Account Registration & Responsibilities

To access certain features and purchase courses on this website, you may be required to create a user account. By registering, you agree to provide complete, accurate, and updated information, including your name, email address, and any other details as requested. Providing false or misleading information will be considered a breach of these Terms.

You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. Any activity performed through your account shall be deemed to have been performed by you, whether or not authorized. The Company will not be liable for any loss or damage arising from your failure to protect your account credentials.

You agree not to share your login details with others or allow multiple users to access courses through a single account. Password sharing, unauthorized access, or misuse of an account is strictly prohibited and may result in immediate suspension or termination of your account without refund.

In case you suspect any unauthorized use of your account, you must notify the Company immediately at [Support Email/Contact]. The Company reserves the right to verify your identity before restoring account access.

The Company also reserves the right to suspend, disable, or terminate accounts at its sole discretion if it believes that these Terms have been violated, or if the account is involved in fraudulent, illegal, or abusive activities.

5. Access to Courses

Upon successful payment, you will be granted access to the purchased course as per the duration and terms specified in the course description. Access may be provided on a lifetime basis or for a limited period, depending on the specific course. The Company reserves the right to define and modify the nature of access at its sole discretion, provided that such terms are clearly communicated at the time of purchase.

The access rights granted are strictly personal, limited, non-exclusive, and non-transferable. You are not permitted to share your account, distribute login details, or allow others to access the course content purchased under your account. Any such unauthorized access or sharing may result in immediate suspension or termination of your account without refund.

Unless otherwise stated, all course content, including videos, audio, assignments, and downloadable materials, is meant for online access only. Downloading, copying, recording, reproducing, or redistributing the course content in any manner without prior written consent of the Company is strictly prohibited and may result in legal action under applicable copyright laws, including the Indian Copyright Act, 1957.

The Company shall make reasonable efforts to ensure uninterrupted access to the courses. However, we do not guarantee that the website or the courses will always be available, uninterrupted, or error-free. Temporary unavailability due to maintenance, technical issues, or events beyond our control (such as internet failures or force majeure events) shall not render the Company liable for compensation.

Your right to access a course will automatically terminate upon expiry of the access duration (if applicable) or upon termination of your account in accordance with these Terms.

6. Intellectual Property Rights

All courses, content, and materials provided on this website, including but not limited to videos, audio files, text, graphics, logos, images, animations, scripts, software, downloadable resources, and assessments, are the exclusive intellectual property of COWARTU or its licensors. These materials are protected under the Indian Copyright Act, 1957, the Trademarks Act, 1999, and other applicable intellectual property laws of India.

When you purchase a course, you are granted only a limited, non-exclusive, non-transferable, and revocable license to access and view the content solely for your personal learning purposes. This license does not grant you any ownership rights over the course materials or the intellectual property contained therein.

You are strictly prohibited from copying, downloading, reproducing, distributing, modifying, publishing, uploading, broadcasting, transmitting, renting, leasing, selling, sublicensing, or creating derivative works from the course materials without prior written authorization from the Company. Any such unauthorized use shall constitute infringement of intellectual property rights and may result in termination of your account as well as legal action, including civil and criminal proceedings, under applicable Indian laws.

The Company’s trademarks, brand names, and logos appearing on the website are protected under the Trademarks Act, 1999. You are not permitted to use, reproduce, or exploit them without prior written permission.

Any intellectual property that is lawfully owned by third-party service providers, instructors, or licensors and made available through the website remains their sole property, and your use of such materials is subject to the respective owners’ terms and conditions.

7. Prohibited Uses

By using this website and its services, you agree not to engage in any activity that is unlawful, harmful, or inconsistent with these Terms. Without limiting the generality of the foregoing, you shall not:

Use the website or course materials for any purpose that violates any applicable law or regulation in India, including the Information Technology Act, 2000, the Indian Penal Code, 1860, and the Copyright Act, 1957.

Share, sell, rent, sublicense, or otherwise transfer your account or course access to any third party.

Attempt to hack, reverse engineer, decompile, disassemble, or tamper with the website, its security features, or its source code.

Upload, transmit, or distribute any viruses, malware, spyware, or harmful code that may disrupt the functioning of the website or compromise user data.

Post, upload, or transmit any defamatory, obscene, abusive, harassing, hateful, or otherwise objectionable content that violates applicable laws, including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

Engage in plagiarism, content piracy, or unauthorized reproduction of the Company’s intellectual property or third-party intellectual property available on the platform.

Impersonate another person, misrepresent your identity, or provide false information in order to gain access to courses or services.

Circumvent, disable, or interfere with any digital rights management (DRM), access control systems, or other security measures implemented by the Company.

Use automated tools, bots, crawlers, or scrapers to access, extract, or copy content from the website without written authorization.

Use the website or its content for commercial purposes, advertising, or solicitation without prior written consent from the Company.

Violation of any of the above prohibitions may result in immediate suspension or termination of your account, forfeiture of access to courses without refund, and may also attract legal action under applicable Indian laws.

8. User-Generated Content

Some parts of the website may allow you to post, upload, submit, or share content, including but not limited to comments, reviews, assignments, feedback, or discussion forum entries (“User Content”). By submitting such content, you agree to the following:

You retain ownership of any intellectual property rights that you hold in the User Content. However, by posting or submitting content on our platform, you grant the Company a worldwide, royalty-free, non-exclusive, transferable, and sublicensable license to use, reproduce, distribute, display, perform, adapt, and create derivative works of your content solely for the purposes of operating, promoting, and improving the services.

You confirm that your User Content is accurate, original, and does not infringe upon the intellectual property, privacy, publicity, or other rights of any third party.

You agree not to upload, post, or share any content that is unlawful, harmful, defamatory, obscene, harassing, hateful, discriminatory, or otherwise objectionable under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Indian Penal Code, 1860.

You shall not post or share any viruses, malware, advertisements, solicitations, spam, or promotional material without the Company’s prior written consent.

The Company reserves the right, but not the obligation, to monitor, review, edit, or remove any User Content that it deems to be in violation of these Terms or applicable laws, at its sole discretion.

The Company is not responsible for and does not endorse any User Content posted by you or by other users. You are solely responsible for the content you upload or share and the consequences of publishing such content.

If your User Content is found to violate applicable laws or these Terms, your account may be suspended or terminated without notice, and legal action may be initiated against you under relevant provisions of the IT Act, 2000, and the Copyright Act, 1957.

9. Payment Terms & Pricing

All courses, subscriptions, and services offered on this website are subject to the fees and pricing displayed at the time of purchase. The Company reserves the right to revise or update the prices at any time without prior notice; however, such changes shall not affect purchases that have already been completed. All payments must be made in full, upfront, and only through the authorized payment gateways provided on the platform. By submitting your payment details, you authorize the Company or its third-party payment processors to charge the applicable fees to your chosen payment method.

All fees are payable in Indian Rupees (INR) unless otherwise specified, and for international users, any currency conversion charges, foreign transaction fees, or bank charges shall be borne solely by the user. The Company ensures that all online transactions are processed securely in compliance with the Reserve Bank of India (RBI) guidelines and through RBI-authorized payment gateways. While the Company strives to ensure secure payment processing, it shall not be held liable for any failures, delays, or technical issues arising from third-party payment providers.

The applicable Goods and Services Tax (GST) and any other statutory taxes will be charged in accordance with prevailing Indian tax laws, and the final price payable will be inclusive of such taxes unless otherwise mentioned. The Company does not store sensitive payment information such as complete credit or debit card numbers or CVV codes on its servers; such details are handled exclusively by third-party payment processors in accordance with RBI-mandated data security standards. Once a payment has been successfully processed and access to the purchased course has been granted, no cancellation, reversal, or chargeback of the transaction will be permitted, except as expressly provided in the Refund Policy (see Point 11). In the event of non-payment, incomplete payment, or reversal of payment due to chargeback or dispute, the Company reserves the right to suspend or terminate access to the relevant course or service until the issue is fully resolved.

10. Privacy & Data Protection

The Company values and respects your privacy and is committed to protecting your personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

By using this platform, you consent to the collection, processing, storage, and use of your personal information as described in this clause and in the Company’s Privacy Policy.

1. Collection of Information
The Company may collect personal information including but not limited to your name, email address, phone number, billing information, demographic details, IP address, device details, and learning activity. This information is collected for the purposes of account creation, course delivery, customer support, payment processing, fraud prevention, and compliance with applicable law.

2. Use of Information
Your data will only be used for legitimate business purposes, including providing access to courses, enhancing your learning experience, sending administrative communications, resolving disputes, and improving website functionality. The Company will not sell, rent, or trade your personal information to third parties without your explicit consent.

3. Data Sharing & Disclosure
Personal data may be shared with trusted third-party service providers (such as payment gateways, hosting providers, or analytics services) strictly on a need-to-know basis, subject to confidentiality and data protection obligations. The Company may also disclose your information if required by law, regulatory authorities, or in compliance with a valid legal request.

4. Data Security
The Company implements reasonable security practices including encryption, firewalls, secure servers, and access controls to protect your personal information against unauthorized access, misuse, loss, or disclosure. However, you acknowledge that no method of electronic storage or transmission is 100% secure, and the Company does not guarantee absolute data security.

5. User Rights under DPDP Act
As per the Digital Personal Data Protection Act, 2023, you have the following rights:

Right to Access – You can request details of the personal data collected about you.

Right to Correction – You can request rectification of inaccurate or incomplete information.

Right to Erasure – You can request deletion of your personal data when it is no longer necessary for the purpose it was collected.

Right to Consent Withdrawal – You may withdraw your consent for data processing at any time, subject to legal and contractual obligations.

Right to Grievance Redressal – You may file complaints with the Company’s designated Data Protection Officer (DPO).

6. Data Retention
Personal data will be retained only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law, after which it will be securely deleted or anonymized.

7. Cookies & Tracking
The platform may use cookies, web beacons, and tracking technologies to enhance user experience, analyze website performance, and deliver personalized content. By using the platform, you consent to such technologies in accordance with applicable law.

8. Cross-Border Data Transfer
In case personal data is transferred outside India (for example, to third-party servers or service providers), such transfer shall be conducted in compliance with Indian laws and only to jurisdictions that provide adequate data protection measures.

By continuing to use the platform, you agree to the Company’s data handling practices and acknowledge that you have read, understood, and accepted this Privacy & Data Protection clause.

9. Disclaimers & Limitation of Liability

The Company makes every reasonable effort to ensure that the information, courses, and digital content provided on this platform are accurate, updated, and reliable. However, the Company does not provide any warranty, express or implied, regarding the accuracy, completeness, or suitability of the content for a particular purpose. All courses and materials are provided strictly on an “as is” and “as available” basis.

The Company expressly disclaims all liability for any errors, omissions, interruptions, delays, or inaccuracies in the content or for any loss or damage that may arise from reliance on the information provided. Users are strongly advised to exercise their own judgment and discretion while applying the knowledge or skills gained through the courses.

The Company does not guarantee uninterrupted, secure, or error-free access to the website. Technical issues such as downtime, server failures, data loss, or cyberattacks may occur, and the Company shall not be held responsible for any resulting damages.

To the maximum extent permitted under applicable law, the Company, its directors, employees, partners, affiliates, and service providers shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption, arising from the use of the website or its services.

Any third-party content, advertisements, or external links provided on the platform.

Any unauthorized access to or use of user data despite the Company’s reasonable security measures.

The Company’s total aggregate liability for any claim arising out of or relating to the use of the website, courses, or services shall not exceed the total amount paid by the user to the Company during the six (6) months immediately preceding the event giving rise to the claim.

Nothing in this clause excludes or limits the Company’s liability for fraud, gross negligence, willful misconduct, or any liability that cannot be excluded under applicable Indian laws, including the Consumer Protection Act, 2019 and the Information Technology Act, 2000.

10. Force Majeure

The Company shall not be held liable or responsible for any failure, interruption, or delay in the performance of its obligations under these Terms and Conditions, if such failure, interruption, or delay arises directly or indirectly from circumstances or events beyond the reasonable control of the Company.

Covered Events

Force Majeure shall include, but not be limited to:

1. Natural Events (Acts of God): Earthquakes, floods, fires, hurricanes, tsunamis, lightning, droughts, or other natural disasters.

2. Public Health Events: Epidemics, pandemics, outbreaks of infectious diseases (including but not limited to COVID-19 or similar events), and resulting government-mandated restrictions or quarantines.

3. Governmental or Legal Actions: Changes in laws, regulations, directives, policies, bans, embargoes, lockdowns, or other actions by governmental or regulatory authorities.

4. Political or Social Events: War (declared or undeclared), invasion, terrorism, sabotage, rebellion, riots, strikes, lockouts, labor disputes, or civil commotion.

5. Technological Failures: Cyberattacks, hacking, phishing, malware, ransomware, server crashes, data center failures, power outages, or large-scale internet disruptions.

6. Utility or Service Failures: Disruptions or failures of telecommunications, hosting providers, electricity supply, water supply, or other essential services required to operate the platform.

Company’s Obligations During Force Majeure

In the event of a Force Majeure situation:

The Company shall make reasonable and timely efforts to notify affected users about the nature of the disruption, expected duration (if foreseeable), and the steps being taken to mitigate the impact.

The Company may temporarily suspend or limit certain services, delay course schedules, reschedule live sessions, or replace live training with recorded material if feasible.

Users acknowledge that such suspensions, delays, or modifications shall not entitle them to refunds, compensation, or damages, as long as the Company continues to make reasonable efforts to resume services.

Where possible, the Company shall offer alternative arrangements, such as rescheduling, credit notes, or extended access to digital materials, at its sole discretion.

Prolonged Force Majeure

If the Force Majeure event continues for a prolonged period (exceeding sixty (60) consecutive days), the Company reserves the right to:

Modify, restructure, or permanently discontinue the affected services; or

Terminate user access to specific services, with a pro-rata adjustment or credits (if applicable), at the sole discretion of the Company.

Limitation of Liability

Users expressly agree that:

The Company shall not be held liable for any financial loss, missed opportunity, academic delay, business interruption, or consequential damages resulting from a Force Majeure event.

The risk of such disruptions is inherent in online learning and digital services, and users accept this risk when agreeing to these Terms and Conditions.

11. Third-Party Services & External Links

The Platform may integrate, enable access to, or otherwise provide links to third-party services, tools, applications, or websites (“Third-Party Services”), including but not limited to payment gateways (such as Razorpay, Paytm, or UPI providers), cloud hosting services, video conferencing platforms (such as Zoom, Google Meet, or Microsoft Teams), learning management systems, email service providers, social media integrations (such as YouTube, Instagram, Facebook, or LinkedIn), and other educational or marketing tools. These Third-Party Services are operated independently and are not under the ownership, control, or management of the Company.

By accessing or using such Third-Party Services through the Platform, users expressly acknowledge and agree that:

No Responsibility for Third Parties: The Company does not guarantee, endorse, or assume responsibility for the availability, accuracy, reliability, legality, or security of any Third-Party Service.

Direct Relationship with Third Parties: Any interaction, transaction, or communication between a user and a third party—including payments, subscription services, or use of resources—is strictly a matter between the user and the respective third party. The Company shall bear no responsibility or liability arising from such dealings.

Applicability of Third-Party Terms: Users shall be bound by the terms of service, privacy policy, refund policy, and any other contractual obligations of such Third-Party Services. It is solely the user’s responsibility to review and comply with those terms before engaging with the service.

No Liability for Losses or Damages: The Company shall not be liable for any loss, damage, data breach, unauthorized charges, technical failures, service interruptions, or delays arising out of or connected with the use of Third-Party Services.

Security and Privacy Risks: The Company does not control how third parties collect, store, or process user data. Users are advised to exercise caution while sharing personal or financial information with third parties.

External Links to Third-Party Websites

The Platform may, from time to time, include links to external third-party websites or resources. These links are provided solely for informational purposes and user convenience. The Company does not control, endorse, or make representations regarding the content, products, services, or accuracy of information provided on such external websites. Accessing such links shall be entirely at the user’s own risk, and the Company shall not be liable for any consequences arising from such access.

Disclaimer of Endorsement

The inclusion of any Third-Party Service, integration, or link on the Platform does not constitute or imply an endorsement, sponsorship, partnership, or recommendation by the Company. Users should independently verify the reliability and suitability of any third-party service before use.

12. Termination & Suspension of Access

The Company reserves the absolute right, at its sole discretion and without prior notice, to suspend, restrict, deactivate, or permanently terminate a user’s access to the Platform, services, or purchased courses, in whole or in part, under the following circumstances, without limitation:

Violation of Terms: If the user is found to be in breach of any provision of these Terms & Conditions, Privacy Policy, or any other policies issued by the Company.

Fraudulent or Unlawful Activity: If the user engages in or is suspected of engaging in fraudulent, abusive, illegal, or unauthorized activities, including but not limited to piracy, plagiarism, sharing login credentials, or misuse of Platform resources.

Non-Payment or Chargeback: If a payment made by the user is declined, reversed, disputed, or subject to chargeback, or if the user fails to make timely payments for services availed.

Misconduct: If the user engages in behavior that is defamatory, harassing, abusive, threatening, discriminatory, or otherwise harmful to other users, instructors, or the Company’s staff.

Regulatory Compliance: If suspension or termination is required to comply with any applicable law, regulation, government order, or directive.

Upon termination or suspension of access:

The user shall immediately lose all rights to access the Platform, including purchased courses, resources, or services.

Any outstanding financial obligations of the user shall survive such termination, and the Company shall retain the right to recover dues, if any, under applicable laws.

No refund, credit, or compensation shall be provided for any unused portion of a course, subscription, or service, except where specifically required under Indian law or under the Company’s refund policy.

The Company reserves the right to take necessary legal action, including reporting to law enforcement authorities, in cases involving fraud, copyright violation, or other unlawful conduct.

The Company also retains the right to terminate or discontinue the Platform, services, or any portion thereof, at its discretion, with or without providing prior notice to users. In such cases, the Company shall endeavor, but shall not be obligated, to provide reasonable notice or alternative arrangements, subject to applicable laws.