Terms of Service

Welcome to Sibi Paul Academy, a digital education platform operated by ZOHAR WEALTH PRIVATE LIMITED (“Company”, “we”, “our”, “us”).

By accessing, browsing, or purchasing any course, content, or service from this website, you agree to be bound by the following Terms and Conditions. If you do not agree, please do not use this website or purchase any offerings.

1. Nature of Business

ZOHAR WEALTH PRIVATE LIMITED is engaged solely in the business of education and awareness related to insurance, personal finance, and risk management.
All courses offered on this platform are educational in nature only.
The courses do not constitute insurance advice, financial advice, investment advice, or legal advice.
No course sold on this website represents or replaces professional advice from a licensed advisor, broker, or insurer.

2. Separation of Education and Insurance Sales

Purchase of any course does not include insurance solicitation, policy recommendation, or policy issuance.
Any insurance purchase, if it occurs later, is:

Completely optional
Conducted outside this platform
Executed under individual licensed insurance agents (IC38 qualified) and not under this website or course

Free consultations, if offered, are non-binding, non-contractual, and provided at our discretion.

3. Eligibility

You must be 18 years or older to purchase or access any course.
By purchasing a course, you confirm that you are legally competent to enter into a binding agreement.

4. Course Access & Delivery

Courses may include a combination of:

Pre-recorded videos
Live sessions or webinars
Downloadable resources
Community or platform access

Access is provided digitally through our LMS or associated platforms.
We reserve the right to modify, update, or discontinue any course content without prior notice.

5. Payments

All payments are processed securely through authorized payment gateways.
Prices are displayed in Indian Rupees (INR) unless stated otherwise.
Successful payment grants limited, non-transferable access to the purchased course.

6. Refunds & Cancellations

Refunds are governed strictly by our Cancellation and Refund Policy, which forms an integral part of these Terms.
Accessing or consuming course content may impact refund eligibility.

7. Intellectual Property

All course materials, videos, text, graphics, logos, and content are the exclusive intellectual property of ZOHAR WEALTH PRIVATE LIMITED.
You may not copy, distribute, resell, reproduce, or misuse any content without prior written permission.

8. User Conduct

You agree not to:

Share login credentials
Record or redistribute paid content
Misrepresent our courses as advisory or policy-selling services

Violation may result in immediate termination of access without refund.

9. Limitation of Liability

We do not guarantee outcomes, claim approvals, savings, or financial results.
Decisions taken based on course knowledge are solely at the user’s discretion and risk.
The Company shall not be liable for any direct, indirect, incidental, or consequential damages.

10. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India.
All disputes shall be subject to the exclusive jurisdiction of the courts of Thiruvananthapuram, Kerala, India.

11. Contact Information

ZOHAR WEALTH PRIVATE LIMITED
G3B, Thejaswini, Technopark
Thiruvananthapuram – 695581

📧 [email protected]
📞 +91 9497227777