Koti Kanasu Academy – Terms & Conditions

o
Welcome to **Koti Kanasu Academy*

By registering for, accessing, or participating in our webinars, courses, workshops, educational programs, digital products, community groups, or other services, you agree to the following Terms & Conditions.

## 1. Educational Purpose

Koti Kanasu Academy provides financial education and awareness to help individuals understand personal finance, saving, investing, wealth creation, debt management, and related financial concepts.

All information provided by Koti Kanasu Academy is intended for **educational and informational purposes only**.

Our content should not be considered as personalized financial, investment, tax, legal, accounting, or insurance advice.

## 2. No Guarantee of Returns

Financial markets and investments involve risks.

Koti Kanasu Academy does not guarantee:

* Any specific investment return

* Any particular profit or income

* Achievement of financial independence by a specific age

* That any investment strategy will work for every individual

* That past performance will be repeated in the future

Any examples, illustrations, calculations, projections, or case studies shared during our programs are for educational purposes only and should not be interpreted as promises or guarantees.

## 3. Investment Decisions

Participants are solely responsible for their own financial and investment decisions.

Before investing, you should consider your:

* Financial goals

* Income and expenses

* Risk tolerance

* Investment horizon

* Existing liabilities

* Tax situation

* Personal circumstances

You are encouraged to conduct your own research and, where appropriate, consult a qualified financial, tax, legal, or other professional before making financial decisions.

## 4. Risk Disclosure

Investments such as mutual funds, stocks, ETFs, bonds, REITs, gold-related investments, and other market-linked products are subject to market risks.

The value of investments can go up or down, and you may lose part or all of your invested capital.

Koti Kanasu Academy is not responsible for losses arising from investment decisions made by participants based on information obtained from our programs or content.

## 5. Accuracy of Information

We make reasonable efforts to provide accurate and relevant educational information.

However, financial rules, taxation, regulations, market conditions, products, interest rates, and other information may change over time.

Therefore, Koti Kanasu Academy does not guarantee that all information will always be complete, current, or applicable to every individual's situation.

## 6. Personal Responsibility

Participants understand that financial outcomes depend on many factors, including income, expenses, savings behavior, investment decisions, market performance, taxes, inflation, debt, and personal circumstances.

Participation in any Koti Kanasu Academy program does not guarantee any particular financial outcome.

## 7. Course and Educational Content

Course materials, presentations, videos, recordings, worksheets, templates, documents, and other educational resources provided by Koti Kanasu Academy are intended for the registered participant's personal educational use.

Participants must not:

* Copy or reproduce the content for commercial purposes

* Sell or redistribute course materials

* Share paid course access with others

* Upload our content to public platforms

* Record and distribute sessions without permission

* Use our materials to create competing products or programs without written permission

## 8. Account and Access

Where login credentials or course access are provided, the participant is responsible for maintaining the confidentiality of their account information.

Course access may be limited to the duration specified at the time of purchase.

Sharing login credentials or allowing unauthorized individuals to access paid content may result in suspension or termination of access.

## 9. Webinar and Community Participation

Webinars, WhatsApp communities, Telegram groups, social media communities, and other communication channels may be used to provide educational content and updates.

Participants are expected to communicate respectfully.

Koti Kanasu Academy reserves the right to remove participants who engage in:

* Spam

* Harassment

* Abusive behaviour

* Fraudulent activity

* Unauthorised promotion

* Sharing inappropriate or illegal content

* Any activity that negatively affects the learning community

## 10. Third-Party Platforms and Services

Koti Kanasu Academy may use third-party platforms and services such as payment gateways, webinar platforms, learning management systems, communication platforms, hosting providers, and other technology services.

We are not responsible for interruptions, technical failures, outages, or changes caused by third-party service providers.

## 11. Payments and Refunds

Fees, payment terms, access period, and refund conditions will be communicated to participants before purchase.

Any applicable refund will be processed according to the specific refund policy applicable to the purchased program.

Where a program is clearly identified as **non-refundable**, the payment will not be refundable except where required by applicable law.

## 12. Intellectual Property

All original content created by Koti Kanasu Academy, including but not limited to:

* Course content

* Videos

* Presentations

* Logos

* Brand materials

* Graphics

* Worksheets

* Templates

* E-books

* Website content

* Training materials

belongs to Koti Kanasu Academy or its respective licensors and is protected by applicable intellectual property laws.

Unauthorised copying, reproduction, distribution, or commercial use is prohibited.

## 13. Testimonials and Results

Testimonials, success stories, examples, or financial journeys shared by Koti Kanasu Academy represent individual experiences.

They should not be interpreted as typical, guaranteed, or expected results for every participant.

Your results may vary depending on your financial situation, actions, discipline, market conditions, and other factors.

## 14. Privacy

We may collect and use participant information necessary to provide our services, process registrations and payments, communicate program updates, and improve our educational services.

Personal information will be handled in accordance with our applicable Privacy Policy and applicable laws.

## 15. Changes to Programs

Koti Kanasu Academy reserves the right to modify, update, reschedule, replace, or discontinue any program, content, session, instructor, platform, or feature when reasonably necessary.

Where appropriate, participants will be informed about significant changes.

## 16. Limitation of Liability

To the extent permitted by applicable law, Koti Kanasu Academy, its team members, mentors, trainers, affiliates, and service providers shall not be responsible for financial losses, investment losses, business losses, or other damages arising from decisions made by participants based on educational information provided through our programs.

## 17. Acceptance of Terms

By registering for or participating in a Koti Kanasu Academy program, you acknowledge that:

* You have read and understood these Terms & Conditions.

* You understand that the content is educational in nature.

* You understand that investments involve risk.

* You are responsible for your own financial decisions.

* You agree to use the educational content responsibly.

## 18. Contact

For questions regarding these Terms & Conditions, please contact:

**Koti Kanasu Academy**

Email: hi@kotikanasuacademy.com
Website: smartmoneymodel.in

---

### Important Disclaimer

**Koti Kanasu Academy is a financial education platform. We provide financial education and awareness and do not provide personalised investment advice or guarantee investment returns. Please make investment decisions based on your own research and circumstances and consult a qualified professional where appropriate.**

By continuing to use our website, joining our webinars, purchasing our programs, or accessing our educational content, you agree to these Terms & Conditions.