Welcome to Bhvishya (www.bhvishya.com). These Terms & Conditions (“Terms”) govern your access to and use of our website, products, and services. By using or accessing the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Acceptance of Terms
By accessing or using the Site you agree to comply with these Terms and any updates we publish. We may change these Terms from time to time; changes are effective when posted on the Site. Your continued use after changes constitutes acceptance.
2. Who May Use the Site
You must be at least 13 years old (or older if required by local law) to use the Site. If you are under the legal age in your jurisdiction, you may use the Site only with the involvement of a parent or guardian who agrees to these Terms.
3. Accounts and Registration
Certain features may require you to create an account. You agree to provide accurate information, keep it up to date, and maintain the security of your account credentials. You are responsible for all activity under your account and must notify us promptly of any unauthorized use.
4. User Content
“User Content” means any text, images, files, feedback, comments, or other content you submit. You retain ownership of your User Content but grant Bhvishya a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, modify, publish, and display that content in connection with operating and improving the Site and our services.
5. Prohibited Conduct
When using the Site you must not:
- Violate laws or third-party rights.
- Post illegal, defamatory, obscene, pornographic, hateful, or abusive material.
- Upload malicious code, viruses, or attempt to disrupt the Site.
- Impersonate others or attempt to obtain accounts or information unlawfully.
- Scrape or harvest data unless expressly permitted in writing.
6. Intellectual Property
All content and materials provided by Bhvishya (designs, text, logos, images, code, and other materials) are owned or licensed by Bhvishya and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent, except where permitted by law.
7. Third-Party Links and Services
The Site may contain links to third-party websites, services, or resources. Those links are provided for your convenience and do not imply endorsement. We are not responsible for the content, privacy, or practices of third-party sites.
8. Payments, Subscriptions & Refunds
If Bhvishya offers paid products or subscriptions, you agree to pay all fees in the amounts and at the times described. Refunds (if any) will be handled according to the specific refund policy for the product or service. We reserve the right to change prices, offer promotions, or discontinue paid features.
9. Privacy
Our Privacy Policy explains how we collect, use, and disclose information. By using the Site, you consent to our data practices described in that policy.
10. Disclaimers
The Site and all content are provided “as is” and “as available” without warranties of any kind. Bhvishya disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
11. Limitation of Liability
To the fullest extent permitted by law, Bhvishya and its affiliates will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the Site, even if we were advised of the possibility of such damages. Our total aggregate liability for direct damages shall not exceed the amount you paid to Bhvishya in the 12 months preceding the claim, or one hundred U.S. dollars (USD 100) if you paid nothing.
12. Indemnification
You agree to indemnify, defend, and hold harmless Bhvishya, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses