Terms & Conditions

1. Acceptance of Terms

Welcome to sachinmaurya.com (the "Website"), owned and operated by Sachin Maurya ("I", "me", "my", or "us"). By accessing or using the Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use the Website.

These Terms apply to all visitors, users, and others who access or use the Website. By using the Website, you represent that you have the legal capacity to enter into these Terms and that you agree to comply with them.

I reserve the right to modify or replace these Terms at any time at my sole discretion. If a revision is material, I will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at my sole discretion. Your continued use of the Website after any changes constitutes acceptance of the new Terms.

2. Use of the Website

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes:

Harassing or causing distress or inconvenience to any other user; Transmitting obscene or offensive content; Disrupting the normal flow of dialogue within the Website; Using the Website for any commercial purpose without my express written consent; Attempting to gain unauthorized access to any part of the Website, other accounts, computer systems, or networks connected to the Website through hacking, password mining, or any other means; Using the Website to send unsolicited commercial communications; Engaging in any activity that could damage, disable, overburden, or impair the proper working of the Website; Using any automated means (including bots, scrapers, or spiders) to access the Website for any purpose without my express written permission; Attempting to interfere with the proper functioning of the Website.

I reserve the right to restrict or terminate your access to the Website at any time, without notice, for any conduct that I, in my sole discretion, believe violates these Terms, is harmful to other users of the Website, or is otherwise objectionable.

3. Intellectual Property Rights

The Website and its entire contents, features, and functionality — including but not limited to all text, articles, blog posts, graphics, photographs, images, illustrations, logos, button icons, audio clips, video clips, data compilations, page layout, underlying code, and software — are the exclusive property of Sachin Maurya or its content suppliers and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its content for your personal, non-commercial use only. This license does not include:

The right to modify, reproduce, distribute, or create derivative works based upon the Website or any of its content; The right to use any data mining, robots, or similar data gathering and extraction tools on the Website; The right to download (other than page caching) any portion of the Website or any information contained therein, except as expressly permitted; The right to use the Website or its content for any commercial purpose without my express written consent.

Any use of the Website not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.

4. User-Submitted Content

The Website allows you to submit content through the contact form. When you submit content through the contact form, you grant me a non-exclusive, worldwide, royalty-free, irrevocable, perpetual license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content solely for the purpose of responding to your inquiry or communicating with you.

You represent and warrant that: You own or control all rights in and to the content you submit; The content is accurate and not misleading; The content does not violate any applicable law or regulation; The content does not infringe any third party's intellectual property or other rights; The content does not contain any defamatory, libelous, offensive, or unlawful material.

I reserve the right to remove or not respond to any content submitted through the contact form that I deem inappropriate, offensive, or in violation of these Terms.

5. Blog Content and Information

The Website contains a blog featuring articles on topics including but not limited to credit analysis, finance, investing, risk management, productivity, and personal growth. All blog content is provided for informational and educational purposes only.

The views and opinions expressed in the blog articles are those of the author (Sachin Maurya) and do not constitute professional financial, investment, legal, or tax advice. You should not act or rely on any information on the Website without seeking the advice of a qualified professional.

For important information about the limitations of the content on this Website, please read the Disclaimer page at sachinmaurya.com/disclaimer.

6. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Sachin Maurya, his affiliates, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of, or inability to access or use, the Website; Any conduct or content of any third party on the Website; Any content obtained from the Website; or Unauthorized access, use, or alteration of your transmissions or content.

Whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not I have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

In no event shall my total liability to you for all claims arising out of or relating to the use of the Website exceed the amount of one hundred Indian Rupees (INR 100) or the amount you paid to access the Website (which is zero, as the Website is free to access), whichever is greater.

7. Disclaimer of Warranties

The Website is provided on an "AS IS" and "AS AVAILABLE" basis. I make no warranties, expressed or implied, and hereby disclaim all warranties, including without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

I do not warrant that: The Website will function uninterrupted, secure, or error-free; The results that may be obtained from the use of the Website will be accurate or reliable; The quality of any content, information, or other material obtained from the Website will meet your expectations; Any errors in the Website will be corrected.

Any reliance you place on information from the Website is strictly at your own risk.

8. Indemnification

You agree to defend, indemnify, and hold harmless Sachin Maurya and his affiliates, licensors, and service providers from and against any claims, actions, demands, liabilities, and settlements, including without limitation, reasonable legal and accounting fees, resulting from or alleged to result from your violation of these Terms or your use of the Website.

This indemnification obligation will survive the termination of your use of the Website and these Terms.

9. Third-Party Content and Links

The Website may contain links to third-party websites, products, or services that are not owned or controlled by me. I have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

I do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Website or any website or feature linked in any advertisement.

You acknowledge and agree that I shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

10. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the use of the Website shall be resolved through good faith negotiation. If the dispute cannot be resolved through negotiation, it shall be submitted to the exclusive jurisdiction of the courts located in Raipur, Chhattisgarh, India.

You agree to waive any right to a jury trial in connection with any action or litigation arising under or related to these Terms.

11. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

The failure of me to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by me.

12. Entire Agreement

These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and me regarding the use of the Website and supersede any prior agreements or understandings.

For questions about these Terms, please contact me at sachinmaurya.in@gmail.com or visit the Contact page at sachinmaurya.com/contact.