Legal Disclaimer & Terms of Use

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

1. General Information & Scope

The website IQRADEEN.CO.IN is independently owned and operated by Pankaj Kumar. The materials, guides, blueprints, and frameworks provided on this platform are for educational and informational purposes only. They do not constitute professional, financial, or legal advice. Any reliance you place on such information is strictly at your own risk.

2. Intellectual Property & Copyright Act, 1957

All content, including but not limited to digital books, guides, text, methodologies, and site architecture, is the exclusive intellectual property of Pankaj Kumar. This content is protected under the Indian Copyright Act, 1957 and international copyright laws.

• You are granted a limited, non-exclusive, non-transferable license to download and view the purchased digital goods for personal use only.
• Unauthorized reproduction, redistribution, reselling, or white-labeling of this material in any form is strictly prohibited and will result in immediate legal action.

3. Consumer Protection & Refund Policy

Due to the irrevocable nature of digital goods and downloadable media, all sales made on IQRADEEN.CO.IN are final. In accordance with the provisions regarding digital products under the Consumer Protection (E-Commerce) Rules, 2020, we do not offer refunds, exchanges, or cancellations once a digital file has been dispatched or downloaded.

4. Pricing, Taxation, and GST Compliance

All prices listed on the platform are inclusive of 18% Goods and Services Tax (GST) as mandated by the Central Goods and Services Tax Act, 2017 (CGST Act) for digital services and information products. Invoices generated will reflect this compliance accordingly.

5. Payment Gateways & Third-Party Liabilities

We utilize secure, RBI-compliant third-party payment aggregators (such as Cashfree/Razorpay) for transaction processing. We do not store your credit/debit card details or net banking credentials. We shall not be held liable for any transaction failures, gateway downtimes, or unauthorized deductions occurring on the payment processor's end under the Payment and Settlement Systems Act, 2007.

6. Limitation of Liability

To the maximum extent permitted by applicable Indian law, Pankaj Kumar shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, resulting from:

• Your use or inability to use the purchased digital materials.
• The application of the methodologies outlined within the guides to your personal or business endeavors.

7. Governing Law & Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of India. Any disputes arising in relation to this website, its content, or the purchase of digital goods shall be subject to the exclusive jurisdiction of the competent courts located in Lucknow, Uttar Pradesh.

Last Updated: June 2026