Terms & Conditions

1. Eligibility

You represent and warrant that you have the right, power, and authority to agree to these Terms and to perform your obligations hereunder. If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have authority to bind such entity.

2. Definitions

Payment Instrument includes credit card, debit card, bank account, prepaid payment instrument, Unified Payments Interface (UPI), Immediate Payment Service (IMPS), or any other payment methods offered by banks and financial institutions from time to time.

Platform refers to this website or any online storefront or payment page through which the Merchant offers products or services and where a transaction may be initiated (including third‑party processors such as Instamojo).

Transaction means an order placed by a user to purchase products and/or services listed on the Platform by paying the Transaction Amount to the Merchant.

Transaction Amount means the amount paid by the user in connection with a Transaction.

User (or Users) means any person accessing the Platform and/or availing products or services offered on the Platform.

3. Merchant’s Rights

• We may collect, store, process, and share information you provide (in accordance with our Privacy Policy) to deliver products/services, prevent fraud, and contact you regarding your purchase.
• We may modify, suspend, or discontinue any part of the Platform or products with notice where practicable.
• We may refuse or cancel orders, including for pricing errors, suspected fraud, or abuse.

4. Your Responsibilities

You agree to provide true, complete, and up‑to‑date information required to complete a Transaction, including name, email address, phone number, billing details, and accurate payment information. You are responsible for maintaining the confidentiality of any credentials (such as order IDs or download passwords) associated with your purchase.

5. Prohibited Actions

You agree not to, directly or indirectly:

• Scrape, harvest, or systematically retrieve data from the Platform to create any collection or database without our prior written consent.
• Make any unauthorized use of the Platform, including collecting user data to send unsolicited communications, creating accounts by automated means, or misrepresenting your identity.
• Circumvent, disable, or interfere with security‑related features or impose an unreasonable load on our infrastructure.
• Upload or transmit viruses, malware, or other harmful code; spam; or material that interferes with other users’ enjoyment of the Platform.
• Reverse engineer, decompile, or disassemble any software used to provide the Platform.
• Bypass measures designed to prevent or restrict access to any portion of the Platform.
• Harass, abuse, defame, or harm any person or disparage us or the Platform.
• Use the Platform in violation of applicable laws or to infringe third‑party rights.
• Use the Platform to compete with us or for any revenue‑generating endeavor not expressly permitted by us.

6. Pricing, Payments & Taxes

• Prices are as listed on the product page and may change without prior notice until a Transaction is completed.
• Payments are processed via accepted Payment Instruments. Third‑party processors (e.g., Instamojo) may have their own terms which apply in addition to these Terms.
• You are responsible for any taxes, duties, or government charges applicable to your purchase, if any.

7. Delivery of Digital Products

• Upon successful payment, you will receive an automated email and/or on‑screen link to download the purchased digital files (e.g., Excel, ZIP, PDF). Delivery is deemed completed when such link or access is made available.
• Download links are for your personal or organizational use only and must not be shared publicly or resold without our written consent.
• If you face access issues, please contact us using the details in the Grievance Redressal section.

8. Refunds & Cancellations

• Due to the nature of digital goods, all sales are generally final. However, if files are corrupted, inaccessible, or materially not as described, you may raise a refund request within 7 days of purchase.
• Refund eligibility is determined at our sole discretion after reasonable attempts to resolve the issue (e.g., re‑sending files or providing alternate access).
• If a refund is approved, it will be processed to the original Payment Instrument within a reasonable timeframe as per the payment processor’s policies.

9. Intellectual Property

All content, files, templates, text, graphics, and other materials provided through the Platform are owned by or licensed to us and are protected by applicable intellectual property laws. Subject to your payment and compliance with these Terms, we grant you a non‑exclusive, non‑transferable, non‑sublicensable license to use the purchased digital products for your internal business purposes. Unless expressly permitted, you may not copy, modify, distribute, resell, or publicly display the materials.

10. Limitation of Liability & Indemnity

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from or related to your use of the Platform or purchased products, even if we have been advised of the possibility of such damages. Our aggregate liability for any claim shall not exceed the Transaction Amount paid by you for the product giving rise to the claim.

You agree to indemnify and hold harmless the Merchant and its affiliates, officers, employees, and agents from any claims, damages, liabilities, costs, and expenses arising out of your breach of these Terms or violation of applicable law.

11. Guidelines for Reviews

• Post reviews only if you have firsthand experience with the product.
• Do not include profanity; abusive, hateful, or discriminatory language; or references to illegal activity.
• If you are affiliated with a competitor, do not post negative reviews.
• Do not make legal conclusions or post false or misleading statements.
• Do not organize campaigns to post reviews (positive or negative).

We may accept, reject, edit, or remove reviews at our discretion. Reviews do not represent our opinions. By posting a review, you grant us a worldwide, non‑exclusive, royalty‑free, perpetual, sublicensable license to use, reproduce, modify, translate, transmit, display, and distribute the review content.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of India. The courts of Bengaluru, India, shall have exclusive jurisdiction, subject to the arbitration clause below.

Arbitration: Any dispute arising out of or in connection with these Terms shall be referred to and finally resolved by arbitration in Bengaluru in accordance with the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted in English before a sole arbitrator appointed in accordance with the Act. The seat and venue of arbitration shall be Bengaluru, India. The proceedings shall be confidential. Either party may seek interim injunctive relief from the courts of Pune. Costs of arbitration shall be borne as determined in the arbitral award.

13. Grievance Redressal

If you have any questions, complaints, or requests relating to your Transaction (including double debit, unauthorized transactions, or refund requests), please contact our Grievance Officer:

• Name: Grievance Officer Name
• Email: sales@Sevarkmultiservices.com
• Phone: +02269621917
• Address: Munjaba Vasti Dhanori Pune, Maharashtra, 411015, India
• Working Hours: Monday–Friday, 10:00–18:00 IST

14. Miscellaneous

• Privacy: Your use of the Platform is also governed by our Privacy Policy.
• Force Majeure: We are not liable for delays or failures due to causes beyond our reasonable control.
• Severability: If any provision is held invalid, the remaining provisions shall remain in full force and effect.
• No Waiver: Failure to enforce any provision is not a waiver of our right to do so later.
• Assignment: You may not assign your rights or obligations without our prior written consent.
• Contact: For general queries, write to sales@sevarkmultiservices.com.

Note: If your payments are processed by a third‑party provider such as Instamojo, their terms and policies may also apply to your Transaction.

15. Digital Payments

• Privacy: All payments must be completed before access to digital files is granted.
• Force Majeure: To ensure uninterrupted service and protect our customers, payments are currently being collected through a personal account number. This is a temporary precautionary measure due to increasing online fraud and frequent account freezes affecting businesses. By proceeding with the payment, you acknowledge and agree to this arrangement.
• Severability: If any provision is held invalid, the remaining provisions shall remain in full force and effect.

Note: If your payments are processed by a third‑party provider such as Instamojo, their terms and policies may also apply to your Transaction.