Effective Date 01 January 2024

1 Introduction

Welcome to Lawfully Finance We are an educational and informational platform focused on financial literacy debt management education credit awareness and responsible borrowing By accessing or using our website courses consultation services or digital programs you agree to be bound by these Terms and Conditions our Disclaimer Privacy Policy and Refund and Cancellation Policy If you do not agree with these terms please do not access or use any of our services

2 Nature of Services

Lawfully Finance is not a financial advisor law firm NBFC or investment intermediary and we do not provide financial legal or tax advice All our programs products and consultations are solely for educational and informational purposes only

3 Our Programs and Services

These Terms apply to all Lawfully Finance programs and offerings including but not limited to

1 Debt Essential Starter Program for debts under 2 lakhs

2 Advanced Debt Management Program for debts over 2 lakhs

3 Fake Harassment and Non RBI Loan App Solutions

4 Credit Score Repair Program

5 Lawfully Finance Partner Program

6 Become a Credit Consultant Program

7 Investment Banking and Financial Modelling Cohort

8 Stock Market Mastery Program

9 Commercial Banking and SME Credit Analyst CBCA Program

10 Wealth Management Ebook

11 Onboarding Consultation Call of Rs 299

All materials content and resources are delivered digitally and are accessible only to enrolled users

4 Eligibility and User Responsibility

Users must be 18 years or older to purchase or participate All information provided during signup must be true and complete Users are solely responsible for their personal financial or legal decisions made based on our educational content Enrollment in any program does not create any fiduciary client or advisory relationship between the user and Lawfully Finance

5 Payment Terms

All payments must be made online through secure third party payment gateways such as Razorpay Graphy or UPI Fees are non transferable and non adjustable between programs Once digital access is granted no refund or cancellation shall be permitted except as per our official Refund and Cancellation Policy By making payment users acknowledge that they have read understood and accepted all related policies

6 Intellectual Property Rights

All materials videos PDFs templates presentations scripts texts and recorded consultations provided by Lawfully Finance are the intellectual property of Lawfully Finance Users are strictly prohibited from copying sharing redistributing or reselling any content Violation of this clause may result in immediate termination of access and legal action

7 Partner and Affiliate Program Clause

For participants in the Lawfully Finance Partner Program all commissions earnings and rewards depend on actual performance and verified sales Earnings are not guaranteed and Lawfully Finance shall not be held responsible for any income loss marketing costs or user errors Affiliates must comply with all marketing guidelines and Indian consumer laws

8 No Guarantee of Results

Financial and credit outcomes vary by individual circumstances Lawfully Finance does not guarantee specific results or success from any course or consultation

9 Limitation of Liability

Lawfully Finance and its representatives shall not be liable for any indirect incidental consequential punitive or special damages including but not limited to financial losses credit rating impact business interruption or emotional distress arising from course usage or consultation outcomes Users acknowledge that all actions taken after consuming our content are entirely at their own discretion and risk

10 Privacy and Data Protection

All user data collected during registration or communication is handled in accordance with our Privacy Policy compliant with the Information Technology Act 2000 and the Digital Personal Data Protection Act 2023 Lawfully Finance will never sell or misuse user data for unauthorized purposes

11 Support and Communication

For any concerns questions or grievances users may contact us at

Email support@lawfullyfinance.com

We respond to all legitimate queries within three to five working days

12 Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of India All disputes shall be subject to the exclusive jurisdiction of the competent courts in Kolkata West Bengal

13 Consent and Acceptance

By accessing our website purchasing a program or attending a consultation you acknowledge that you have read understood and agreed to these Terms and Conditions along with our Disclaimer Privacy Policy and Refund and Cancellation Policy

14 Updates and Modifications

Lawfully Finance reserves the right to update modify or revise these Terms and Conditions at any time without prior notice The latest version will always be available on our official website and continued use constitutes acceptance of the updated terms

Copyright 2025 Lawfully Finance All Rights Reserved

Empowering India through Financial Literacy and Responsible Borrowing