Sibi Paul

Last Updated: 19-Dec-2025

These Terms and Conditions (“Terms”) govern your access to and use of the website https://sibipaul.com (the “Website”), operated by ZOHAR WEALTH PRIVATE LIMITED, a private limited company incorporated under the laws of India (“Company”, “ZOHAR WEALTH”, “we”, “us”, or “our”).

The Website is operated under the brand name “Sibi Paul”, which is a brand owned and operated by ZOHAR WEALTH PRIVATE LIMITED.

By accessing, browsing, using this Website, submitting information, or making payments, you agree to be legally bound by these Terms and our Privacy Policy. Your continued use of the Website constitutes your electronic acceptance of these Terms. If you do not agree, you must not use this Website or our services.

1. Scope of Services

The Website provides, including but not limited to:

• Wealth management and financial education

• Informational and educational content (videos, articles, training materials)

• Lead generation for financial and insurance products

• Paid consulting, advisory support, and courses

• Communication and follow-up related to enquiries and services

Unless expressly stated in writing, no service provided through the Website constitutes guaranteed investment advice, insurance underwriting, or assurance of outcomes.

2. Educational Nature and No Guarantee

All content, materials, consultations, and information provided through the Website are intended solely for educational and informational purposes.

• We do not guarantee financial results, investment returns, claim settlements, approvals, or outcomes of any kind.

• Examples, illustrations, case studies, or scenarios shared are indicative only.

• Any decisions taken by you based on information from the Website are at your own discretion and risk.

3. User Eligibility

By using this Website, you confirm that:

• You are 18 years of age or older

• You are legally competent to enter into binding agreements

• Information provided by you is true, accurate, and belongs to you or is shared with proper authorisation

4. User Responsibilities

You agree that you shall:

• Provide accurate, current, and complete information

• Not impersonate any person or entity

• Not misuse, disrupt, or interfere with the Website or its systems

• Not attempt unauthorised access to any part of the Website

• Not use the Website for unlawful, fraudulent, or prohibited purposes

We reserve the right to restrict or terminate access in case of violations.

5. Payments, Fees, and Refunds

5.1 Payments

Payments for consulting, courses, or services may be made through authorised payment methods including but not limited to:

• Razorpay

• Cashfree

• PayU

• Paytm

• PayPal

• PhonePe

• UPI

• Bank transfer

• Any other approved payment method

All payments are processed by third-party payment gateways under their respective terms and privacy policies. We do not store sensitive payment information.

5.2 Refunds

Refunds, if any, are subject to the specific terms communicated at the point of purchase or under a separate written agreement. Unless expressly stated otherwise, payments made are non-refundable.

6. Communication and Consent

By submitting your personal details, you expressly consent to receive communications from us via:

• WhatsApp Business

• SMS

• Email

• Telephone calls

Communications may include transactional messages, service updates, educational content, promotional messages, and follow-ups related to your enquiry or services, in accordance with your consent preferences and applicable laws. You may opt out of promotional communications at any time as described in our Privacy Policy.

7. Intellectual Property Rights

All content on the Website, including text, videos, graphics, logos, designs, branding, and materials, is the intellectual property of ZOHAR WEALTH PRIVATE LIMITED or its licensors.

No content may be copied, reproduced, modified, distributed, transmitted, or commercially exploited without prior written permission.

8. Third-Party Links and Services

The Website may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for their content, policies, or practices. Accessing such links is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Website or reliance on its content.

• We do not warrant that the Website will be uninterrupted, error-free, or free from harmful components.

Your sole remedy is to discontinue use of the Website.

10. Indemnification

You agree to indemnify and hold harmless ZOHAR WEALTH PRIVATE LIMITED, its directors, officers, employees, affiliates, and representatives from any claims, losses, damages, liabilities, costs, or expenses arising out of your use of the Website or violation of these Terms.

11. Data Protection and Privacy

All personal data collected and processed through the Website is handled in accordance with our Privacy Policy and applicable Indian data protection laws, including the Digital Personal Data Protection Act, 2023.

12. Suspension and Termination

We reserve the right to suspend or terminate access to the Website or services, without prior notice, if we reasonably believe that you have violated these Terms or applicable laws.

13. Force Majeure

We shall not be liable for failure or delay in performance due to events beyond our reasonable control, including natural disasters, technical failures, regulatory actions, acts of God, or governmental restrictions.

14. Pre-Litigation Resolution and Good-Faith Efforts

Before initiating any legal proceedings, disputes, or claims against ZOHAR WEALTH PRIVATE LIMITED, users agree to first contact us in writing and make a genuine, good-faith effort to resolve the matter amicably.

We shall make reasonable efforts to address and resolve concerns within a reasonable timeframe. This clause is intended to promote fair resolution and reduce unnecessary litigation.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Subject to the pre-litigation resolution clause above, courts in India shall have exclusive jurisdiction over any disputes arising from these Terms or use of the Website.

16. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be published on this page with a revised “Last Updated” date. Continued use of the Website constitutes acceptance of the revised Terms.

17. Contact Information

For any questions, concerns, or notices regarding these Terms, please contact:

ZOHAR WEALTH PRIVATE LIMITED
Email: [email protected]

18. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a competent court, the remaining provisions shall continue to remain in full force and effect.

19. Waiver

Any failure or delay by ZOHAR WEALTH PRIVATE LIMITED in exercising any right, power, or provision under these Terms shall not constitute a waiver of such right or provision.