Terms & Conditions, Privacy Policy & Disclaimer

Welcome to Wealth Builders Circle ("WBC", "we", "us", "our" or "the Company"). These Terms & Conditions, Privacy Policy, Refund Policy and Disclaimer govern your use of wealthbuilderscircle.com and your purchase or use of our educational, training, consultancy and business-opportunity services.

By accessing this website, submitting an enquiry, registering for a programme, purchasing a course, applying for an affiliate or franchise opportunity, attending training, making a payment or otherwise using our services, you acknowledge that you have read, understood and agreed to these Terms.

If you do not agree with these Terms, please do not use the website or purchase our services.

1. About Wealth Builders Circle

WBC may provide educational, training, consultancy and business-opportunity services including:

• Affiliate partner opportunities
• Franchise partner opportunities
• Business opportunity programmes
• Accounting training
• SAP FICO training
• SAP MM training
• Stock market and trading education
• Financial-market education
• Career-oriented training
• Internship opportunities where expressly offered
• Business development support
• Other related training, consulting and educational services

The precise scope of each programme shall be determined by the applicable course page, quotation, invoice, proposal, agreement or other written communication.

2. Acceptance of Terms

By using wealthbuilderscircle.com or purchasing any service, you agree to comply with these Terms.

Acceptance may occur through website forms, electronic checkboxes, emails, WhatsApp messages, online payments, registration forms, signed documents or other electronic means.

Electronic communications, invoices, receipts, payment records, agreements and other electronic records may be retained as evidence of transactions and communications, subject to applicable law.

3. Eligibility

Users and customers must be legally capable of entering into contracts under applicable Indian law.

Where a participant is a minor, appropriate consent from a parent or legal guardian may be required.

You are responsible for ensuring that information supplied to WBC is accurate, complete, current and genuine.

4. Affiliate Partner Programme

WBC may offer an affiliate-partner programme under which eligible persons may promote specified products or services and receive commissions or other benefits according to the applicable affiliate terms.

Participation as an affiliate does not constitute employment, partnership, joint venture or guaranteed income unless a separate written agreement expressly provides otherwise.

Affiliate partners are responsible for complying with applicable laws, advertising requirements and WBC's affiliate policies.

Affiliate partners must not make false, misleading, exaggerated or unauthorised claims regarding WBC, its products, services, business opportunities or income potential.

WBC may suspend or terminate an affiliate relationship where reasonably necessary due to fraud, misconduct, unlawful activity, misleading representations or material breach of applicable terms, subject to applicable law.

5. No Guaranteed Affiliate Income

6. Franchise Partner Programme

WBC may offer franchise or franchise-partner opportunities subject to separate franchise documentation and applicable terms.

A franchise opportunity does not guarantee revenue, profits, customers, business success, recovery of investment or a particular return on investment unless expressly guaranteed in a separate written agreement.

Business performance may depend on:

• Location
• Local market demand
• Competition
• Pricing
• Marketing expenditure
• Partner effort
• Management capability
• Staffing
• Economic conditions
• Customer behaviour
• Regulatory conditions
• Other factors beyond WBC's reasonable control

Unless expressly stated in a separate written agreement, WBC does not guarantee recovery of the franchise investment or a particular level of business income.

7. Independent Business Relationship

Unless expressly agreed in writing, an affiliate partner, franchise partner or business-opportunity participant is not an employee of WBC.

Participation does not automatically create a partnership, joint venture, employer-employee relationship or agency relationship.

Partners shall not represent themselves as employees or legal representatives of WBC except to the extent expressly authorised.

8. Training and Educational Services

WBC provides educational and training programmes designed to develop knowledge and practical skills.

Training may include classroom instruction, online instruction, demonstrations, assignments, projects, practical exercises, software demonstrations and other learning activities.

Individual results vary depending on prior knowledge, attendance, participation, effort, aptitude, practice, self-study, technical ability and other individual factors.

WBC does not guarantee that a participant will achieve a particular level of proficiency or professional competence.

9. Accounting, SAP FICO and SAP MM Training

Accounting, SAP FICO and SAP MM courses are educational programmes intended to develop knowledge and practical skills.

Course completion does not guarantee:

• Employment
• A particular salary
• A particular job title
• Promotion
• Professional certification
• Employer selection
• Career advancement

SAP is a third-party brand and technology. Unless expressly stated otherwise, WBC does not represent itself as an official SAP certification authority or representative.

10. No Job or Employment Guarantee

WBC shall not be responsible merely because a student does not obtain employment after completing a course.

Any information regarding jobs, salaries, career prospects, industry demand or employment opportunities is informational only and must not be interpreted as a guarantee of employment.

11. Internship Opportunities

WBC may expressly advertise or communicate an internship opportunity as part of a particular course or programme.

An internship is different from employment and does not guarantee a permanent job, salary, promotion or future employment.

The internship may be subject to eligibility requirements, attendance, completion of coursework, conduct, performance, availability and requirements imposed by an internship provider.

12. Internship Does Not Guarantee Employment

Participation in an internship does not create an employer-employee relationship between the participant and WBC unless a separate written employment agreement expressly establishes such relationship.

Completion of an internship does not guarantee:

• A permanent job
• A paid position
• A particular salary
• Employment with the internship provider
• Future employment

13. Stock Market and Trading Training

Unless WBC is separately registered and authorised under applicable securities laws to provide regulated investment advisory or other regulated services, educational content should not be interpreted as personalised investment advice, portfolio management, investment recommendations or a guarantee of trading profits.

Participants are solely responsible for their investment and trading decisions.

Where any service constitutes a regulated activity, it shall be provided only in accordance with applicable laws, regulations and registration requirements.

14. Trading Results Are Not Guaranteed

WBC does not guarantee:

• Trading profits
• Investment returns
• Successful trades
• Specific percentage returns
• Daily or monthly income
• Recovery of trading losses
• Future market movements
• Accuracy of every market analysis

Any historical examples, illustrations, hypothetical calculations or examples of profits or returns are for educational purposes only and do not represent guaranteed future results.

15. Business Opportunity Disclaimer

Any affiliate, franchise or other business opportunity offered by WBC involves commercial and financial risk.

No representation should be interpreted as a guarantee that a participant will recover an investment or achieve a particular income.

Business performance depends on execution, investment, location, market demand, competition, customer behaviour, marketing, management, economic conditions and other factors.

16. Income and Earnings Representations

No person associated with WBC is authorised to represent that participation in a programme will produce guaranteed income or profits unless expressly stated in an applicable written agreement and permitted by law.

Examples of earnings, sales, commissions, profits or business results represent individual experiences and should not be understood as typical or guaranteed results.

Prospective participants should conduct their own due diligence before making a financial or business commitment.

17. Course Fees and Payments

Fees shall be communicated through the applicable course page, quotation, invoice, registration form, proposal or agreement.

Applicable taxes, including GST where applicable, may be charged in addition to advertised prices.

Payment provides access only to the services and deliverables expressly included in the purchased programme.

18. Refund and Cancellation Policy

Refund eligibility shall depend upon the applicable course, service, agreement and refund policy communicated at the time of purchase.

Unless expressly stated otherwise:

• Fees for services already substantially provided may not be refundable.
• Non-attendance does not automatically create a right to a refund.
• Failure to complete coursework does not automatically create a right to a refund.
• Third-party fees, examination fees, software fees, registration fees and external charges may be non-refundable.
• Promotional, discounted or special-offer fees may be subject to separate refund conditions.
• A customer's decision to discontinue a programme does not automatically create a right to a refund.

19. Course Schedule and Trainer Changes

WBC may reasonably change trainers, schedules, classrooms, online platforms, course materials, session timings or delivery methods where necessary.

Reasonable efforts will be made to communicate material changes to participants.

Such changes shall not automatically create a right to a refund where equivalent training or reasonable alternative arrangements are provided, subject to applicable law.

20. Student Responsibilities

Students and participants are responsible for:

• Providing accurate registration information
• Attending training sessions
• Completing assignments and projects
• Practising the skills taught
• Maintaining appropriate conduct
• Using training materials only for permitted purposes
• Maintaining their own devices and internet connection
• Obtaining required software where applicable

WBC shall not be responsible for poor learning outcomes primarily resulting from lack of attendance, participation, practice or effort by the participant.

21. Intellectual Property

Unless otherwise stated, course materials and website content including text, graphics, videos, presentations, documents, logos, designs, methodologies and educational materials are owned by or licensed to WBC.

Without prior written permission, users may not:

• Resell course materials
• Redistribute proprietary content
• Upload paid course content publicly
• Share login credentials
• Commercially exploit proprietary materials
• Copy materials for resale
• Distribute recordings to unauthorised persons

22. User Conduct

Users must not:

• Use the website for unlawful purposes
• Attempt unauthorised access
• Introduce malicious software
• Submit fraudulent information
• Impersonate another person
• Harass employees, trainers or other participants
• Misuse course materials
• Make unauthorised representations on behalf of WBC
• Interfere with website operations
• Attempt to bypass security controls

23. Third-Party Services

WBC may use or recommend third-party platforms, software, payment processors, technology providers, internship providers, financial-market platforms and other services.

WBC does not control the policies, availability, pricing, security, performance or actions of third parties.

WBC shall not be responsible for losses caused solely by third-party acts, omissions, delays, outages, policy changes or failures, except where liability cannot legally be excluded.

24. Limitation of Liability

Such losses may include, where legally permissible:

• Loss of income
• Loss of employment
• Loss of business opportunity
• Loss of anticipated profits
• Loss of investment
• Loss of expected salary
• Loss of customers
• Loss of revenue
• Trading losses
• Loss resulting from market movements
• Loss resulting from third-party failures
• Consequential or indirect damages

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable Indian law.

25. Maximum Monetary Liability

To the maximum extent permitted by applicable law, where WBC is found liable for a claim relating to a particular service, the maximum aggregate liability of WBC shall, where legally permissible, be limited to the amount actually paid by the customer to WBC for the specific service giving rise to the claim.

This limitation does not apply to liabilities that cannot legally be limited or excluded.

26. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless WBC, its owners, employees, trainers, consultants, representatives and service providers against claims, losses, damages, liabilities, costs and reasonable expenses arising from:

• Your breach of these Terms
• False or misleading information provided by you
• Your unlawful use of our services
• Fraudulent activity
• Misuse of course materials
• Unauthorised representations made by you
• Violation of another person's rights
• Violation of applicable laws

This clause shall not apply to the extent a claim arises solely from WBC's proven unlawful conduct or liability that cannot legally be transferred.

27. Force Majeure

WBC shall not be responsible for delays, interruptions or inability to provide services caused by circumstances beyond its reasonable control.

Such circumstances may include:

• Natural disasters
• Floods
• Earthquakes
• Fire
• Pandemics or epidemics
• War
• Terrorism
• Civil unrest
• Government restrictions
• Power failures
• Internet outages
• Telecommunication failures
• Cyberattacks
• Strikes
• Third-party platform failures
• Other circumstances beyond reasonable control

28. Website Disclaimer

WBC makes reasonable efforts to ensure that information published on wealthbuilderscircle.com is accurate and useful.

However, information may contain errors, omissions, outdated information or inaccuracies.

Information concerning business opportunities, employment, salaries, financial markets, trading, technology, courses and other subjects may change.

Website information should therefore be treated as general information and not as a guarantee of any particular result.

29. No Professional Financial, Legal or Tax Advice

Unless expressly stated otherwise, information provided by WBC does not constitute personalised financial, investment, legal, tax or other professional advice.

Participants should obtain independent professional advice where appropriate before making significant financial, investment, business, legal or tax decisions.

30. Testimonials and Success Stories

Testimonials, reviews, income examples, business experiences, student experiences and success stories represent individual experiences.

Individual results vary significantly.

A testimonial or success story does not constitute a guarantee that another participant will achieve the same result.

31. Privacy Policy

31.1 Information We May Collect

Depending on how you interact with WBC, we may collect:

• Name
• Mobile number
• Email address
• Age or date of birth where required
• Educational information
• Professional information
• Course preferences
• Business information
• Information submitted through enquiry forms
• Payment and transaction information
• Communication records
• Website usage information
• Other information voluntarily provided by you

32. Purpose of Data Collection

Personal information may be processed for purposes including:

• Responding to enquiries
• Providing counselling
• Registering participants
• Providing training
• Managing courses
• Managing affiliate enquiries
• Managing franchise enquiries
• Processing payments
• Providing customer support
• Communicating about services
• Managing internship-related processes
• Improving services
• Website analytics
• Preventing fraud and misuse
• Maintaining business records
• Complying with applicable laws
• Marketing communications where legally permitted

33. Consent and Data Processing

Where consent is required under applicable law, WBC will seek consent in an appropriate manner.

You may contact WBC regarding your personal information using the contact details provided below.

Where applicable, you may request correction, deletion, withdrawal of consent or other rights available under applicable data-protection law.

Withdrawal of consent may affect our ability to provide certain services where the relevant information is necessary to provide those services.

34. Sharing of Personal Information

Where reasonably necessary, personal information may be shared with service providers and third parties involved in delivering requested services.

These may include:

• Payment processors
• Technology providers
• Hosting providers
• Communication platforms
• Advertising and analytics providers
• Internship providers where applicable
• Professional service providers
• Government authorities where legally required

Information will be shared subject to applicable law and, where required, appropriate consent or other lawful basis.

35. Data Security

WBC will take reasonable measures appropriate to the circumstances to protect personal information against unauthorised access, misuse, loss or disclosure.

However, no internet-based system can be guaranteed to be completely secure.

36. Data Retention

Personal information may be retained for as long as reasonably necessary for providing services, maintaining records, resolving disputes, preventing fraud and complying with legal obligations.

When information is no longer reasonably required and there is no legal requirement to retain it, WBC may delete, anonymise or otherwise dispose of it in accordance with applicable law.

37. Cookies and Analytics

wealthbuilderscircle.com may use cookies, pixels, analytics tools and similar technologies.

These may be used to:

• Analyse website traffic
• Measure advertising performance
• Improve website functionality
• Understand visitor behaviour
• Improve user experience
• Remember preferences

Users may be able to control cookies through browser settings.

38. Marketing Communications

If you provide your contact information through wealthbuilderscircle.com, advertisements, enquiry forms, WhatsApp, telephone, email or other channels, WBC may contact you regarding your enquiry, courses, programmes, business opportunities, services or related offers, subject to applicable law and consent requirements.

You may request that marketing communications stop by contacting:

davidnazareth83@gmail.com

39. Third-Party Links

wealthbuilderscircle.com may contain links to third-party websites or platforms.

WBC does not control and is not responsible for the content, security, availability, policies or practices of third-party websites.

40. Website Availability and Cybersecurity

WBC makes reasonable efforts to maintain website availability and security.

However, WBC does not guarantee that the website will always be available, uninterrupted, error-free or completely secure.

41. Complaints and Grievance Redressal

If you have a complaint regarding our services, please contact WBC first so that we have a reasonable opportunity to investigate and attempt to resolve the matter.

Please provide your name, relevant programme or service, transaction details and sufficient information regarding the complaint.

42. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Nothing in these Terms is intended to exclude or restrict any mandatory consumer, statutory or regulatory right available under applicable Indian law.

43. Jurisdiction

Subject to mandatory statutory jurisdiction and applicable consumer-protection laws, disputes relating to these Terms or services provided by WBC shall be subject to the jurisdiction of the competent courts having jurisdiction over the applicable place of business of WBC.

Nothing in this clause prevents a consumer from exercising any mandatory statutory right to approach an appropriate consumer forum, commission, authority or court where such right is available.

44. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be modified or severed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

45. No Waiver

Failure by WBC to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision in the future.

46. Changes to These Terms

WBC may update these Terms, Privacy Policy, Refund Policy or Disclaimer from time to time to reflect changes in services, technology, business practices or applicable law.

The latest version shall be published on wealthbuilderscircle.com.

Where legally permissible, continued use of the website or services following an update may constitute acceptance of the revised terms.

47. Entire Agreement

These Terms, together with any applicable quotation, invoice, course-specific terms, affiliate agreement, franchise agreement, service agreement, refund policy or other written terms expressly applicable to a particular service, constitute the agreement relating to that service.

Where a specific written agreement expressly applicable to a particular service conflicts with these general Terms, the specific agreement shall prevail to the extent of the conflict.

48. Important General Disclaimer

49. Customer / Partner Acknowledgement

50. Contact Us

For questions regarding these Terms & Conditions, Privacy Policy, Refund Policy, Disclaimer, courses, affiliate programmes, franchise opportunities or other services, please contact: