1. Scope & Applicability

This Privacy Policy ("Policy") governs the collection, use, and disclosure of information by IncomePluZ Private Limited ("Company", "we", "our", "us").

This Policy applies to all users ("User", "you") accessing or using:

• Our websites and landing pages
• Digital products and platforms
• Courses, consulting, and related services

By using our services, you consent to the practices described in this Policy.

2. Information We Collect

2.1 Personal Information

• Full name
• Email address
• Phone number

2.2 Business Information (if applicable)

• Company name
• Business details

2.3 Usage Data

• IP address
• Browser type and version
• Device information
• Pages visited and interaction data

2.4 Payment Information

Payments are processed through secure third-party providers. We do not store sensitive financial data such as card numbers or CVV.

3. Purpose of Data Collection

• To provide and deliver our services
• To manage user accounts and onboarding
• To improve product performance and user experience
• To run marketing, advertising, and retargeting campaigns
• To communicate updates, offers, and support-related messages
• To comply with legal and regulatory obligations

4. Cookies & Advertising Technologies

We use cookies and similar tracking technologies to enhance user experience.

• Cookies help analyze traffic and personalize content
• We may use advertising platforms such as Google AdSense
• Third-party vendors may use cookies for personalized ads

Users can control cookie preferences via browser settings or their Google account.

5. Third-Party Services

• Google Analytics (analytics and traffic insights)
• Payment gateways (e.g., Razorpay, PayU)
• CRM, marketing automation, and communication tools

These providers operate under their own privacy policies. We are not responsible for their independent practices.

6. Refunds, Cancellations & Data Usage

6.1 Purpose of Processing

• Verification of purchase
• Eligibility assessment
• Processing transactions and refunds
• Customer support communication

6.2 Processing Fees

All transactions are subject to processing charges: 10%–15% depending on payment gateway and administrative costs.

6.3 Refund Policy

Advance Payments:

• Within 24 hours: 10% deduction
• After 48 hours: 50% deduction

Course Payments:

• Within 24 hours: 10% deduction
• After 24 hours: No refund

6.4 Cancellation Policy

• Requests must be submitted through official support channels
• All requests are subject to internal review and approval
• Refunds may be denied if significant course access or usage is detected

6.5 User Consent

By requesting a refund or cancellation, you consent to being contacted via Phone, Email, and Messaging platforms.

7. Data Security

We implement reasonable administrative, technical, and organizational measures to protect user data. However, no system is completely secure.

8. Data Sharing & Disclosure

We do not sell personal data. We may share data only:

• With trusted service providers
• To comply with legal obligations
• To enforce our terms and policies
• To protect rights, safety, and business interests

9. Policy Updates

We reserve the right to modify this Policy at any time. Continued use of services constitutes acceptance of the updated Policy.

1. Acceptance of Terms

By accessing or using the services of IncomePluZ Private Limited, you agree to be bound by these Terms & Conditions. If you do not agree, you must not use our services.

2. Services Overview

• Online courses and training programs
• Consulting and advisory services
• Digital products and tools
• Marketing and educational content

Services may be updated, modified, or discontinued at our discretion.

3. Eligibility

• You must be at least 18 years old to use our services
• By using our platform, you confirm that all information provided is accurate and complete

4. User Responsibilities

You agree not to:

• Share login credentials with others
• Copy, distribute, or resell course content
• Use our platform for unlawful activities
• Attempt to hack, disrupt, or misuse our systems

Violation may result in account suspension or permanent termination.

5. Payments & Pricing

• All prices are listed in INR (₹) unless stated otherwise
• Payments must be made in full before accessing paid services
• We use secure third-party payment gateways

We reserve the right to modify pricing at any time.

6. Refunds & Cancellations

6.1 Processing Fees

All transactions are subject to a 10%–15% processing fee.

6.2 Advance Payment Refunds

• Within 24 hours: 10% deduction
• After 48 hours: 50% deduction

6.3 Course Payments

• Within 24 hours: 10% deduction
• After 24 hours: No refund

6.4 Additional Conditions

• Refund requests must be submitted via official support channels
• If significant course access or usage is detected, refunds may be denied
• Approval is subject to internal review

7. Intellectual Property Rights

All content — videos, text, graphics, course materials — is the intellectual property of IncomePluZ Private Limited. You may not reproduce, distribute, or exploit content without written permission.

8. Earnings Disclaimer

We do not guarantee any income, results, or financial success. Results depend on individual effort, skills, and market conditions.

9. Limitation of Liability

• We are not liable for any direct, indirect, or incidental damages
• We do not guarantee uninterrupted or error-free services
• Use of our services is at your own risk

10. Third-Party Services

Our platform may integrate with payment gateways, Google Analytics, and advertising platforms. We are not responsible for third-party policies or performance.

11. Account Suspension & Termination

We reserve the right to suspend or terminate accounts if users violate these Terms or engage in harmful activities.

12. Privacy

Use of our services is also governed by our Privacy Policy.

13. Modifications to Terms

We may update these Terms at any time. Continued use of the platform constitutes acceptance of updated Terms.

14. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Chennai, Tamil Nadu.

As part of the '1 Crore Seed Initiative' conducted across Tamil Nadu, we participated at Marina Beach, guided students, and successfully planted more than 250 seeds.

At IncomePluZ Academy, we believe in growing more than just skills. Our commitment to the community drives us to participate in social initiatives like the 1 Crore Seed Initiative — a Tamil Nadu-wide movement to plant one crore seeds for a greener future. Our team and students came together at Marina Beach to make a difference — one seed at a time.

We make every effort to accurately represent our programs and their potential. However, we do not guarantee any income, earnings, or financial results.

No Guaranteed Results

• Earnings depend on individual effort, consistency, and skills
• Results vary from person to person

Educational Purpose Only

• Our programs are designed for learning and skill development
• This is not financial, investment, or professional advice
• Any income examples are illustrative only, not promises

Risk Acknowledgment

• Online income involves risk and uncertainty
• We are not responsible for any financial decisions, losses, or outcomes
• You are solely responsible for your actions and results

By enrolling in our programs, you acknowledge and agree to this disclaimer.