Terms and Conditions

These terms apply when you use caankushjain.com (the "website") or buy anything from it. The website is run by Ankush Jain (CA Ankush Jain), India ("I", "me" or "we"). By using the website or making a purchase, you agree to these terms.

1. Educational content only

The articles, videos, courses, calculators and downloads on this website are for learning. They are not financial, investment, legal or tax advice, and they are not a recommendation to lend, borrow or invest. Calculators and Excel files are aids: check every result yourself before you rely on it. Nothing on this website guarantees a job, a promotion, a loan sanction or any other outcome.

2. Your use of the website

You may read, watch and use the website for your own learning and work. Please don't copy, republish, sell or reproduce its articles, calculators, downloads or designs without written permission, and don't try to disrupt the website or reach parts of it that aren't meant for you.

Free downloads are for your own professional or personal use. They may not be resold or shared as your own product.

3. The Gate Keeper eBook

Price and payment. The price is shown in Indian rupees on the book page and on the payment page, and includes any applicable taxes. Payments are processed by Razorpay. We never see or store your card, UPI or bank details.

Delivery. Your copy is emailed to the address you enter at payment, usually within 10 minutes. See the delivery policy.

Your licence. When you buy the eBook, you receive a personal, non-transferable licence to read it. You may read it on your own devices and print it for your own use. You may not share, forward, upload, resell, lend or distribute it in any form, including on websites, file-sharing services, Telegram, WhatsApp or other groups.

Personal copy. Every copy carries the buyer's name, email and order number on its pages. This is how unauthorised copies are traced to the original purchase.

Copyright. The book is protected under the Copyright Act, 1957. Sharing or uploading it without permission is an infringement and may lead to civil and criminal action against the person responsible.

Refunds. See the refund and cancellation policy.

4. Courses, certificates and appointments

The members' certificate course has its own conditions on the course page; its certificate is for internal recognition only and is not a degree or professional qualification. One-to-one calls are paid only after the appointment is confirmed by email, as explained on the appointment page.

5. Accuracy and liability

I take care to keep the content accurate and up to date, but laws, rules and banking practices change, and mistakes can happen. The website and its content are provided "as is". To the extent the law allows, I am not liable for any loss arising from the use of the website or its content. If I am found liable for a purchase, my liability is limited to the amount you paid for it.

6. Other websites

The website links to YouTube, WhatsApp, LinkedIn, Instagram, Google Forms, Razorpay and other sites. Those sites have their own terms and privacy policies, and I am not responsible for their content.

7. Privacy

How your information is used is explained in the privacy policy.

8. Changes to these terms

I may update these terms from time to time. The date at the top shows when they last changed. A purchase is governed by the terms in force on the day you made it.

9. Law and disputes

These terms are governed by the laws of India, and any dispute is subject to the courts of competent jurisdiction in India.

10. Contact

Questions about these terms: write to [email protected] or use the contact page.