TERMS OF USE – PLAN YOUR WORLD
These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and Plan Your World Training Academy Pvt. Ltd. ("Plan Your World", "we", "us", "our"), a private limited company incorporated in India and engaged in the field of financial education, training, and literacy. These Terms govern your access to and use of our website [www.planyourworld.com], YouTube channels, social media accounts, mobile applications, and any other digital platforms, products, or services operated by us (collectively referred to as the "Platform").
By visiting, accessing, or using our Platform in any manner, whether as a casual visitor, a registered user, a subscriber, a student, or a client, you acknowledge that you have carefully read, understood, and agree to be legally bound by these Terms in their entirety. If you do not agree with these Terms, you are requested to immediately discontinue use of the Platform.
1. Acceptance of Terms
By using our Platform, you expressly consent to abide by these Terms, our Privacy Policy, our Disclaimer, and any additional guidelines, notices, or policies that may be issued by Plan Your World from time to time. These Terms shall take effect immediately on your first use of the Platform. Continued use after changes are posted constitutes acceptance of the revised Terms.
2. Nature of Services
Plan Your World operates as an educational institute with the primary objective of simplifying complex financial concepts, promoting literacy in personal finance, and empowering individuals through knowledge. Our general content, including articles, blogs, explainer videos, podcasts, reviews, critiques, and comparative analyses, is prepared strictly for educational, informational, and awareness purposes.
We do not provide unsolicited investment, insurance, legal, tax, or financial advice through our general content. Users are expected to treat such content as general educational material only. However, personalised advice may be provided strictly on demand and under a formal engagement process, wherein a client's specific needs, circumstances, and objectives are properly understood and documented. Such services are separate, fee-based, and clearly distinguished from our educational content.
3. Educational Content and Limitations
The content published on our Platform is derived from publicly available sources believed to be reliable at the time of creation. While reasonable care and diligence are exercised, no assurance is given regarding accuracy, completeness, timeliness, or suitability. Users are strongly advised to independently verify information and, where required, seek professional advice before acting on any content.
Our general content does not establish any advisor–client, fiduciary, or professional relationship. It is intended to build awareness and critical understanding, not to promote, distribute, or sell specific financial products.
4. Independence and Transparency
Plan Your World is committed to maintaining independence and neutrality. Any reference to banks, NBFCs, insurance companies, pension funds, government schemes, or other institutions is made purely for educational and comparative purposes.
We do not receive commissions, remuneration, or consideration for merely reviewing or mentioning any product or service unless such arrangement is explicitly disclosed as sponsored or promotional content. Trademarks, brand names, and logos remain the property of their respective owners and are used only under fair commentary principles.
5. User Responsibilities and Conduct
As a User of our Platform, you agree to use it only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit their use and enjoyment. You specifically agree that you will not:
- Post, transmit, or share any content that is defamatory, obscene, offensive, unlawful, or otherwise inappropriate.
- Misrepresent, distort, or misuse Plan Your World's content, brand, or reputation.
- Copy, reproduce, republish, adapt, or commercially exploit our content without prior written consent.
- Attempt to bypass or interfere with security features, restrict others' access, or engage in any fraudulent, malicious, or abusive behaviour.
We reserve the right to monitor, suspend, or permanently restrict access to any User who is found violating these Terms.
6. Reviews, Opinions, and Defamation Safeguard
Our reviews, critiques, and comparative analyses are honest expressions of opinion prepared in good faith and in the larger public interest. They do not claim insider knowledge or allege misconduct. Differences of opinion or disagreement with our analyses cannot and should not be treated as defamatory.
Plan Your World recognises that our work may not always align with the marketing narrative of companies or competitors. Nevertheless, all reviews are based on publicly available information, applied knowledge, and educational interpretation. Any attempt by an individual, competitor, or organisation to deliberately misrepresent our work, distort our opinions, or malign our reputation shall be treated as inappropriate and unfair. We reserve the right to vigorously defend our integrity and take appropriate civil, criminal, or regulatory action where necessary.
7. Risks and Limitations of Financial Products
Users are reminded that all financial, insurance, and investment products carry inherent risks, including but not limited to market fluctuations, liquidity constraints, regulatory changes, taxation amendments, operational risks, and policy conditions. Past performance or illustrations cannot be relied upon as indicators of future outcomes.
You accept full responsibility for any decisions you make and acknowledge that Plan Your World cannot be held liable for outcomes based on reliance on general content.
8. Intellectual Property Rights
All original material published on our Platform, including text, graphics, designs, videos, training resources, and course content, is the exclusive intellectual property of Plan Your World Training Academy Pvt. Ltd. unless otherwise credited.
Users are prohibited from reproducing, distributing, transmitting, modifying, or commercially exploiting our content without prior written permission. Limited personal and non-commercial use is permitted, provided the material is not altered and due credit is given.
9. Third-Party Content and External Links
Our Platform may display advertising material submitted by third parties or include links to external websites for reference. The responsibility for ensuring compliance with relevant laws for such third-party material rests solely with the advertisers or external parties. Plan Your World does not endorse, control, or assume responsibility for the accuracy, reliability, or legality of external content.
User comments and submissions are the responsibility of the individuals posting them. While we reserve the right to moderate or remove unlawful, defamatory, or offensive material, we disclaim liability for third-party remarks, user-generated submissions, or external links.
10. Limitation of Liability
To the fullest extent permitted by law, Plan Your World disclaims liability for any loss, injury, damage, or claim, whether direct, indirect, incidental, consequential, exemplary, or punitive, arising from the use of, or reliance on, our content. The Platform and its material are provided on an "as-is" and "as-available" basis without warranties of any kind, express or implied.
11. Sponsored or Paid Content
Where content is promotional or supported by third parties, it will be clearly identified as "Sponsored" or "Advertisement". Such material remains subject to the same independence and transparency standards and does not compromise our educational focus.
12. Notice, Corrections, and Right of Reply
If any individual, institution, or entity believes that content published on our Platform is inaccurate, misleading, or infringing, they may notify us in writing, providing detailed reasons and supporting evidence. We will review the complaint in good faith and, if warranted, issue a correction, clarification, or take remedial action.
13. Governing Law and Jurisdiction
These Terms are governed by the laws of India. By using our Platform, you agree that any dispute, claim, or controversy shall fall within the exclusive jurisdiction of the courts at Delhi, India, without prejudice to remedies available under other applicable forums.
14. Updates to Terms
Plan Your World may amend or update these Terms periodically to reflect legal, regulatory, or operational changes. Updates will be posted on this website, and continued use of our Platform after publication of updates constitutes acceptance of the revised Terms.
15. Contact Information
For questions, feedback, grievances, or legal notices, please contact:
Plan Your World Training Academy Pvt. Ltd.