1. Introduction

These Terms and Conditions (“Terms”) govern your access to and use of the website www.sandykhippal.com (the “Website”), including the purchase and use of eBooks, digital products, and other content offered through the Website.

The Website is owned and operated by Sandy Khippal (“we”, “us”, “our”, or the “Business”).

These Terms, together with our Privacy Policy and any additional terms applicable to specific products or services, constitute the agreement between you (“you”, “your”, or the “Customer”) and Sandy Khippal.

By accessing or using the Website, creating a customer account, or purchasing any product through the Website, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use the Website or purchase products through it.

2. Amendments to These Terms

We reserve the right to amend, update, or modify these Terms from time to time to reflect changes in our business, products, services, Website functionality, or applicable laws.

Any revised Terms will be published on this page with an updated “Last Updated” date.

Where required by applicable law, we will provide notice of material changes or obtain your consent.

Your continued use of the Website after revised Terms become effective will be subject to the updated Terms, to the extent permitted by law. If you do not agree with the revised Terms, you should discontinue using the Website.

Changes to these Terms will not retrospectively remove rights that you have already acquired or override any mandatory legal protections.

3. Eligibility and Acceptance

By accessing or using the Website, you confirm that:

• You have the legal capacity to enter into a binding agreement under applicable law.

• The information you provide to us is accurate, complete, and current.

• You will use the Website only for lawful purposes.

• You will comply with these Terms and all applicable laws and regulations.

• You will not use the Website in a manner that infringes the rights of Sandy Khippal or any other person.

If you are using the Website on behalf of a business or another legal entity, you confirm that you have the authority to accept these Terms on its behalf.

If you are not legally eligible to enter into a binding agreement, you must not create an account or make a purchase without any authorisation required by applicable law.

4. Website Services and Products

Sandy Khippal may provide educational materials, informational content, original eBooks, downloadable resources, and other digital products through the Website.

We may introduce, modify, suspend, or discontinue products, features, or services from time to time.

We aim to ensure that product descriptions, features, formats, and prices are accurate. However, minor errors or omissions may occasionally occur.

The information displayed on a product page at the time of purchase will ordinarily determine the product being offered, subject to applicable law.

We reserve the right to correct genuine errors in product listings, descriptions, and pricing. If an error materially affects an order you have placed, we will take appropriate steps to resolve the matter, which may include contacting you, offering the correct product at the correct price, or cancelling the affected order and issuing a refund where appropriate.

5. Customer Accounts and Registration

A customer account is required to access the relevant purchasing and customer features of our Website.

When creating an account, you agree to:

• Provide accurate, complete, and current information.

• Use your own identity and valid contact details.

• Keep your login credentials confidential.

• Maintain the security of your account.

• Update your information when it changes.

• Notify us promptly if you suspect unauthorised access to your account.

You are responsible for activities carried out through your account, except to the extent that applicable law provides otherwise or the activity results from circumstances for which you are not legally responsible.

You must not create an account using another person's identity or use another person's account without authorisation.

We may restrict, suspend, or terminate an account where we reasonably believe that it has been used fraudulently, unlawfully, in breach of these Terms, or in a way that threatens the security or proper functioning of the Website.

Where appropriate and legally required, we will provide notice and an opportunity to address the issue.

6. Purchases, Orders, and Payments

6.1 Placing an Order

When purchasing an eBook or other digital product, you must follow the ordering process provided on the Website.

Before completing your purchase, you should review the product description, price, applicable taxes or charges, delivery method, and any product-specific terms.

Submitting an order constitutes an offer to purchase the selected product in accordance with these Terms.

An order will be treated as accepted when we confirm acceptance through the Website, by email, or through another appropriate communication, subject to the applicable payment and order-processing arrangements.

We reserve the right to decline or cancel an order where there is a legitimate reason, including suspected fraud, payment failure, a material pricing error, or unavailability of the product. Any payment collected for an order that is cancelled will be refunded where required by law and in accordance with our applicable refund policy.

6.2 Prices and Taxes

Product prices will be displayed on the relevant product pages or at checkout.

Prices may be changed from time to time. A price change will not alter the agreed price of an order that has already been accepted, except where a correction is legally justified and handled appropriately.

Applicable taxes, including GST where required, will be charged or displayed in accordance with applicable law.

Any additional charges applicable to your order will be disclosed before you complete the purchase.

6.3 Payment Processing

Payments will be processed through the payment methods and payment service providers made available on the Website.

You agree to provide accurate payment and billing information and to use a payment method that you are authorised to use.

We do not guarantee uninterrupted availability of any third-party payment service. Payment processing may be subject to the relevant provider's terms, privacy policy, and security procedures.

We are not responsible for delays caused by a payment provider, bank, or other third party beyond our reasonable control, but we will make reasonable efforts to assist with legitimate payment-related enquiries.

7. eBook Delivery and Digital Downloads

Our eBooks and other digital products are delivered electronically.

Unless otherwise stated on the relevant product page, delivery will generally take place through a download link sent to the email address associated with your customer account or order.

You are responsible for:

• Providing a valid email address.

• Ensuring that your inbox can receive our emails.

• Checking your spam, junk, or promotions folder if a delivery email is missing.

• Having a compatible device, application, and internet connection to access the purchased product.

Delivery times may vary depending on payment confirmation, technical conditions, and email service providers.

If you do not receive your download link or experience a technical issue, please contact info@sandykhippal.com with your order details.

We will make reasonable efforts to resolve legitimate delivery issues and provide access to products you have purchased.

A completed payment does not authorise you to obtain or distribute unauthorised copies of our products.

8. Licence and Permitted Use of eBooks

Unless otherwise specified, eBooks and digital products sold through Sandy Khippal are licensed for personal, non-commercial use.

Upon successful purchase, and subject to these Terms and any product-specific licence, you receive a limited, non-exclusive, non-transferable licence to download, access, and use the purchased product for your own lawful purposes.

The purchase of an eBook does not transfer ownership of its copyright or intellectual property rights to you.

You must not, unless expressly authorised by us or permitted by applicable law:

• Copy, reproduce, or distribute an eBook for commercial purposes.

• Resell, sublicense, or commercially exploit our digital products.

• Share download links or distribute copies to unauthorised persons.

• Upload our eBooks to public websites, file-sharing platforms, or repositories.

• Publish, republish, or present our original content as your own.

• Remove copyright notices, ownership statements, or other proprietary markings.

• Modify or adapt our content for redistribution without permission.

You may retain a personal copy of a purchased eBook for your own lawful use, subject to the applicable licence and any technical restrictions disclosed at the time of purchase.

Nothing in these Terms restricts rights that cannot lawfully be restricted under applicable law.

9. Intellectual Property Rights

Unless otherwise stated, the Website and its original content, including eBooks, written materials, articles, text, graphics, logos, designs, downloadable files, and other materials created or published by Sandy Khippal, are owned by Sandy Khippal or used with appropriate authorisation.

These materials are protected by applicable copyright, trademark, and other intellectual property laws.

You may access and use the Website and purchased products only in accordance with these Terms and the relevant product licence.

No part of the Website or its content may be copied, reproduced, distributed, republished, or commercially exploited without our prior written permission, except where permitted by applicable law.

If you believe that material on the Website infringes your intellectual property rights, please contact info@sandykhippal.com with sufficient information for us to review your concern.

10. Acceptable Use of the Website

You agree to use the Website responsibly and lawfully.

You must not:

• Use the Website for fraudulent, deceptive, or unlawful activities.

• Attempt to gain unauthorised access to accounts, systems, or restricted areas.

• Interfere with the Website's security, operation, or availability.

• Introduce viruses, malicious code, or harmful software.

• Scrape, extract, or systematically collect Website content or personal information without authorisation.

• Use automated systems to access the Website in a manner that damages or disrupts its operation.

• Impersonate another person or misrepresent your identity.

• Upload or transmit content that is unlawful, defamatory, abusive, threatening, harassing, or otherwise prohibited by law.

• Infringe the intellectual property, privacy, or other legal rights of any person.

• Use our name, trademarks, or branding in misleading advertising, hidden metadata, or other unauthorised commercial activities.

We may investigate suspected violations and take reasonable action to protect the Website, our customers, our business, and third parties.

11. Refunds, Cancellations, and Order Issues

Purchases made through the Website are subject to our separate Refund and Cancellation Policy, together with any product-specific refund terms displayed before purchase.

Because our eBooks are digital products delivered electronically, the availability of a refund may depend on the circumstances of the purchase, whether the product has been delivered or accessed, the applicable product terms, and the requirements of applicable law.

We may consider refund requests involving duplicate payments, unsuccessful delivery, corrupted or inaccessible files, material discrepancies between the product description and the product supplied, or other legitimate circumstances.

Nothing in these Terms is intended to exclude or restrict any refund, cancellation, replacement, or other remedy that you are entitled to under applicable law.

Please contact info@sandykhippal.com for assistance with a refund or order-related issue.

The specific conditions, process, and any applicable time limits are set out in our Refund and Cancellation Policy.

12. Disclaimer of Warranties

We aim to provide useful, accurate, and reliable content through our Website and digital products.

However, except for representations, warranties, and consumer rights that cannot lawfully be excluded, the Website and its content are provided on an “as available” basis.

We do not guarantee that:

• The Website will always be available without interruption.

• The Website will be entirely free from errors, defects, or technical issues.

• Every digital product will be compatible with every device, operating system, or application.

• All information will remain current or suitable for every individual's circumstances.

We will take reasonable steps to maintain the Website and address material issues when they are brought to our attention.

Nothing in this section excludes any mandatory warranty, guarantee, or consumer protection available under applicable law.

13. Educational and Informational Disclaimer

Our eBooks and Website content may contain educational, informational, or general guidance.

Unless expressly stated otherwise, the content is provided for general informational purposes and should not be treated as a substitute for professional legal, medical, financial, tax, or other specialised advice.

You are responsible for evaluating the suitability of the information for your own circumstances and seeking qualified professional advice where appropriate.

We do not guarantee any particular personal, academic, professional, financial, or business outcome from the use of our content.

Any examples, illustrations, or recommendations are provided for informational purposes and should not be interpreted as a guarantee of results.

14. Third-Party Services and Links

Our Website may contain links to third-party websites, payment providers, applications, or services.

These services are operated independently and may be subject to their own terms, privacy policies, and practices.

We do not control third-party websites or guarantee their availability, accuracy, security, or content.

Your use of third-party services is at your own discretion and may be subject to separate agreements between you and the relevant provider.

This section does not exclude responsibility where applicable law requires otherwise.

15. Limitation of Liability

To the maximum extent permitted by applicable law, Sandy Khippal will not be liable for indirect, incidental, special, or consequential losses arising from your use of the Website or digital products, including loss of profits, business opportunities, data, or anticipated savings.

We will not be responsible for loss or damage caused by circumstances beyond our reasonable control, including third-party service interruptions, internet connectivity failures, or unauthorised access that could not reasonably have been prevented despite appropriate safeguards.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence where such limitation is prohibited, or any other liability that cannot lawfully be excluded or limited.

Nothing in these Terms limits your statutory rights as a consumer.

16. Indemnity

To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, and reasonable expenses arising directly from your unlawful use of the Website, your infringement of our intellectual property rights, or your material breach of these Terms.

This provision does not apply to the extent that a loss results from our own breach of law, negligence, misconduct, or other circumstances for which you cannot lawfully be held responsible.

17. Suspension and Termination

We may suspend or terminate your access to the Website or customer account if we reasonably believe that:

• You have materially breached these Terms.

• Your account is being used for fraud or unlawful activity.

• Your actions threaten the security or operation of the Website.

• Your use of the Website infringes our rights or the rights of others.

• We are required to do so by law or a competent authority.

Where appropriate and legally required, we will provide notice and an opportunity to resolve the issue before taking action.

You may request account deletion by contacting info@sandykhippal.com.

Termination or deletion of an account does not remove payment obligations already incurred or prevent us from retaining information where required by law.

Any continuing rights concerning previously purchased products will be handled in accordance with the applicable product licence, purchase terms, and mandatory consumer rights.

18. Privacy and Personal Information

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, store, and disclose personal information.

By using the Website, you acknowledge that you have had the opportunity to review our Privacy Policy.

Where consent is required for particular data processing activities, we will obtain it through an appropriate mechanism. Acceptance of these Terms does not replace any separate consent required by applicable privacy law.

Our Privacy Policy is available at www.sandykhippal.com.

19. Electronic Communications

When you visit the Website, create an account, place an order, or communicate with us electronically, you agree to receive electronic communications relating to your account, orders, purchases, and use of the Website.

We may communicate with you by email, Website notifications, or other electronic means.

Electronic order confirmations, receipts, notices, and other records may be used to document transactions, subject to applicable law.

Promotional communications are governed by our marketing practices and Privacy Policy. You may unsubscribe from promotional emails using the unsubscribe method provided or by contacting us.

20. Changes to the Website and Services

We may modify, suspend, or discontinue all or part of the Website or its features from time to time for maintenance, security, operational, or business reasons.

Where reasonably practicable, we will take steps to minimise disruption to customers.

If a change materially affects a product you have already purchased, we will address the matter in accordance with the applicable purchase terms and legal requirements.

We do not guarantee that every feature or service will remain available indefinitely, but nothing in this section removes any obligation to provide a product or remedy that is legally due to you.

21. Force Majeure

We will not be responsible for a delay or failure to perform an obligation to the extent that it is caused by circumstances beyond our reasonable control, such as natural disasters, government actions, widespread internet or telecommunications failures, or major third-party service disruptions.

We will take reasonable steps to minimise the effects of such circumstances and resume normal operations when practicable.

This provision does not remove any refund or other consumer rights that apply under mandatory law.

22. Governing Law and Jurisdiction

These Terms are governed by the laws of India, subject to any mandatory consumer protection laws that apply to you.

Any dispute arising from these Terms or your use of the Website will be handled by the courts or other competent authorities having jurisdiction under applicable Indian law.

Nothing in this section limits your right to bring a consumer complaint before a forum or authority that is legally available to you.

23. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary to make it enforceable, where legally permitted.

If it cannot be made enforceable, it will be severed from these Terms without affecting the validity of the remaining provisions.

24. Entire Agreement

These Terms, together with our Privacy Policy, Refund and Cancellation Policy, and any applicable product-specific terms, constitute the agreement governing your use of the Website and your purchases from Sandy Khippal.

If a product-specific term conflicts with these Terms, the product-specific term will apply to that product only to the extent that the conflict is expressly stated and legally permitted.

Nothing in this section overrides mandatory consumer rights or other legal protections.

25. Contact Information and Complaints

If you have any questions about these Terms, your customer account, an order, an eBook, or any other matter relating to the Website, please contact us.

Business Name: Sandy Khippal

Website: https://www.sandykhippal.com

Email: info@sandykhippal.com

Please include relevant order details where necessary, but do not send passwords or complete payment card details.

Where applicable law requires a designated grievance officer or other formal complaint-handling contact, the relevant name, designation, and contact details will be published on the Website.

26. Acknowledgement and Acceptance

By accessing or using www.sandykhippal.com, registering for a customer account, or purchasing an eBook or other digital product, you confirm that you have read and understood these Terms and agree to be bound by them.

If you do not agree to these Terms, you must discontinue using the Website.

Thank you for visiting Sandy Khippal.