Sibi Paul

Last updated: 08-Dec-2025

Welcome to sibipaul.com operated by ZOHAR WEALTH PRIVATE LIMITED (“we”, “us”, or “our”). By accessing or using this website, you agree to be bound by these Terms & Conditions.

If you do not agree with any of the terms, please do not use this website.

1. Use of this website

You agree to use this website only for lawful purposes and in a way that does not:

• Violate any local, national, or international law

• Interfere with or disrupt the website

• Harm the website, company, or other users

We reserve the right to restrict access to any user who violates these terms.

2. Educational purpose only

All services, training programs, information, and materials provided on sibipaul.com are for educational and awareness purposes only.

We do not provide:

• Investment advice

• Financial planning advice

• Insurance advisory

• Legal advice

• Professional certification

No guarantees of results are made.

3. User responsibilities

By using this website, you agree:

• To provide accurate information

• To not share access credentials with others

• To comply with event and session rules

• To use purchased content only for personal learning

Unauthorized distribution of content is prohibited.

4. Intellectual property

All content on this website, including:

• Text

• Videos

• Audio

• Digital materials

• E-books

• Templates

• Course content

• Branding and trademarks

is owned or licensed by ZOHAR WEALTH PRIVATE LIMITED.

You may not copy, reproduce, distribute, sell, or modify any content without written permission.

5. Payments and billing

All payments are processed through secure third-party payment gateways such as Razorpay.

By making a payment, you agree that:

• Billing information is accurate

• You are the owner of the payment method used

• Payment is final except as stated in our Refund Policy

We do not store any credit card or banking information.

6. Cancellations and refunds

Refund eligibility is governed strictly by our Cancellation & Refund Policy, available on sibipaul.com.

By purchasing any service, you accept the refund terms and conditions stated there.

7. Third-party services

We may use third-party tools, systems, or platforms for:

• Payments

• Email communications

• Event hosting

• Webinar delivery

• Learning management systems

We are not responsible for the policies or performance of third-party providers.

8. Limitation of liability

To the maximum extent permitted by law, ZOHAR WEALTH PRIVATE LIMITED will not be liable for:

• Loss of income

• Loss of data

• Loss of business opportunities

• Indirect or incidental damages

Use of information and content is at your own risk.

9. No warranties

This website is provided “as is” without any warranties, either express or implied, including but not limited to:

• Accuracy of information

• Availability of services

• Suitability for a particular purpose

We may update, modify, or discontinue content at any time.

10. Account and access

We may:

• Suspend

• Limit

• Terminate

access to purchased content or accounts if any suspicious, unlawful, or abusive behavior is detected.

11. Changes to terms

We may update these Terms & Conditions at any time without notice.

The updated version will be posted with the “Last updated” date at the top of this page.

Continued use of the website means acceptance of updated terms.

12. Governing law

These Terms & Conditions are governed by, and interpreted in accordance with, the laws of India.

Any disputes will be handled by courts having jurisdiction in India.

13. Contact details

If you have questions about these Terms & Conditions, please contact:

Business name: ZOHAR WEALTH PRIVATE LIMITED
Email: [email protected]
Phone: +91 94972 27777
Website: sibipaul.com
Registered address:

1ST Floor, Zohar Tower

NH66, Eanthikkala, Arayur

Neyyattinkara

Thiruvananthapuram

Kerala - 695122

Email: [email protected]

Phone: +91 9497227777

14. Payment gateway clause

All payments, refunds, billing, and transactions are subject to Razorpay’s terms, policies, and guidelines.

By making a payment, you agree to Razorpay’s conditions as applicable.