Effective Date: 31.05.2025
Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the website https://nirajbt.com (the “Service”) operated by Niraj Kushwaha (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, students, and others who wish to access or use the Service. By accessing the Service, you agree to be bound by these Terms.
If you do not agree with any part of the Terms, you must not access the Service.
🔹 1. Communication & Account
By creating an account or purchasing any product from us, you agree to receive:
Transactional emails (login details, invoices, course updates)
WhatsApp/email messages for important support and updates
Promotional messages (optional and unsubscribable anytime)
All communication will be sent via support@nirajbt.com or via third-party tools integrated with our system.
🔹 2. Purchases & Payment.
If you purchase any course or product:
You agree to provide accurate and complete payment information.
All payments are processed via secure third-party gateways like Razorpay.
We reserve the right to refuse/cancel an order due to fraud, misuse, or technical error.
Note: We do not store any credit/debit card information on our servers.
🔹 3. Digital Product Access
After purchase, you will receive access to your course(s) via email/login.
Each purchase is for individual use only. Sharing login or reselling content is strictly prohibited and may lead to permanent suspension without refund.
🔹 4. Refund Policy
We offer a 7-day conditional refund on eligible products.
Refund will be granted only if:
The request is made within 7 days of purchase
No more than 3 chapters of the course are accessed
No downloads or screen recordings have been made
A valid reason is provided via email: support@nirajbt.com
Refunds are not applicable:
After 3 modules are viewed
For discounted or combo offers
In case of misuse or account sharing
🔹 5. Content Ownership & Usage
All content on NirajBT.com, including videos, PDFs, tools, and templates, are intellectual property of Niraj Kushwaha.
You may not reproduce, resell, share, or redistribute this content without written permission.
Violators will be subject to legal action under Indian copyright law.
🔹 6. Course Availability, Pricing & Accuracy
We reserve the right to update or discontinue any course/module at any time without notice.
Prices may change based on promotions, offers, or upgrades.
While we try to maintain accuracy, minor content updates or price errors may occur.
🔹 7. Account Responsibility
You must be at least 18 years old to create an account or purchase.
You are responsible for keeping your login credentials secure.
Any unauthorized use must be reported to support@nirajbt.com immediately.
🔹 8. Termination
We reserve the right to:
Suspend or terminate accounts for misuse, piracy, payment fraud, or violation of these Terms
Deny access to content or remove a user without refund in case of breach
🔹 9. Disclaimer
The content provided on NirajBT.com is for educational purposes only. We are not SEBI-registered advisors, and no content constitutes financial advice. All trading and investment involves risk — users must make their own financial decisions.
🔹 10. Limitation of Liability
We are not liable for:
Any financial loss, decision, or damage resulting from use of our content
Any third-party service failure (payment, platform, hosting, etc.)
Any downtime, content delay, or technical errors
🔹 11. Changes to Terms
We may modify these Terms anytime. Updates will be reflected on this page. Continued use of the Service after changes implies agreement.
🔹 12. Governing Law
These Terms are governed by the laws of India. Any disputes arising will be handled under the jurisdiction of Motihari Dist courts
🔹 13. Contact
For any questions about these Terms, please contact:
📧 Email: support@nirajbt.com
🌐 Website: https://nirajbt.com