Terms & Conditions

Last Updated: 18 August 2026Welcome to GrowthPustak.

These Terms & Conditions (“Terms”) govern your access to and use of the GrowthPustak website, digital products, educational resources, downloads, and related services.

By accessing our website or purchasing a GrowthPustak product, you agree to these Terms. Please read them carefully before making a purchase.

1. About GrowthPustakGrowthPustak provides digital educational products designed to help individuals better understand topics such as personal budgeting, salary management, saving, financial organization, and related educational subjects.

Our products may include:
• E-books and digital guides
• PDF resources
• Worksheets
• Checklists
• Templates
• Planners
• Digital bonuses
• Other downloadable educational resourcesUnless specifically stated otherwise, GrowthPustak products are digital products only and no physical product will be shipped.

2. Digital Product PurchaseWhen you purchase a GrowthPustak digital product, you receive a limited, personal, non-exclusive, non-transferable right to access and use the purchased material for your own personal purposes.

Your purchase does not transfer ownership of the intellectual property contained within the product.After successful payment, access to the purchased product may be provided through:• A download page• A thank-you page• Email• A private download link• Another digital delivery method specified at checkoutYou are responsible for entering a correct email address and other required information during checkout.

3. PricingProduct prices are displayed on the applicable sales or checkout page.For example, where the Final Salary Money Map is offered for ₹299, the price displayed at the time you complete your purchase will apply to that transaction.GrowthPustak may change product prices, discounts, bonuses, promotional offers, or product packages at any time.A future price reduction or promotional offer does not automatically entitle a previous customer to a partial refund or price adjustment.

4. PaymentsPayments may be processed through third-party payment gateways.Depending on the payment provider, available methods may include:• UPI• Credit cards• Debit cards• Net banking• Wallets• Other supported payment methodsGrowthPustak does not generally store complete card numbers, CVVs, UPI PINs, passwords, or banking credentials.Payment processing is also subject to the applicable payment provider’s terms and policies.

5. Digital DeliveryGrowthPustak products are delivered digitally.After successful payment, you should receive access through the method communicated on the checkout or confirmation page.Because this is a digital product:No physical book or physical package will be delivered unless explicitly stated on the product page.If your payment is successful but you do not receive access to the purchased product, please contact:Support Email:support@growthpushtak

Please provide the email address used for the purchase and your transaction/order details so we can investigate the issue.

6. License and Permitted UseGrowthPustak digital products are licensed for personal use only, unless a different license is explicitly provided.

You may:
• Read the purchased material
• Download it to your personal devices
• Print reasonable copies for your own personal use
• Use worksheets, templates, and exercises for your personal learningYou may not:
• Resell the product
• Redistribute the product
• Upload it to public websites
• Share the complete product through WhatsApp, Telegram, Google Drive, social media, forums, or file-sharing websites
• Give copies to other people as a substitute for their purchasing the product
• Repackage the material and sell it under another name
• Claim the material as your own
• Use GrowthPustak content to create a substantially copied competing product
• Remove copyright or ownership noticesA separate purchase or written permission may be required for commercial, organizational, classroom, or redistribution use.

7. Intellectual Property RightsUnless otherwise stated, the GrowthPustak brand, product content, original written materials, graphics, worksheets, templates, product designs, and other proprietary materials are owned by or licensed to GrowthPustak.They are protected by applicable intellectual-property laws.Purchasing a product grants you permission to use that product according to these Terms. It does not transfer copyright, trademark rights, or other ownership rights to you.

8. Educational Purpose OnlyGrowthPustak provides educational and informational content.Our products are designed to help customers better understand and organize areas such as:• Salary management• Budgeting• Expense planning• Saving• Financial goal planning• General personal-finance conceptsGrowthPustak does not provide individualized financial, investment, legal, tax, accounting, or other regulated professional advice through its general digital products.The information provided should not be treated as a substitute for advice from an appropriately qualified professional who understands your individual circumstances.

9. No Financial Results GuaranteeExamples, calculations, scenarios, frameworks, savings illustrations, budgeting examples, or financial projections presented by GrowthPustak are for educational purposes.We do not guarantee that purchasing or using our products will result in:• A particular amount of savings• Increased income• Investment returns• Debt elimination• Financial independence• Wealth creation• Any specific financial resultYour results depend on your income, expenses, decisions, financial circumstances, implementation, market conditions, and other factors outside GrowthPustak’s control.You remain responsible for your own financial decisions.

10. Accuracy of InformationWe aim to provide useful and reasonably accurate educational information.However, financial rules, taxation, regulations, product features, market conditions, and other information can change.We do not guarantee that every piece of information will remain complete, current, or suitable for every individual situation.Where a decision has significant financial, tax, legal, or investment consequences, consider consulting an appropriately qualified professional.

11. Refunds and CancellationsBecause GrowthPustak sells digitally delivered products, refund eligibility is governed by our separate Refund & Cancellation Policy.Please review that policy before completing your purchase.Nothing in these Terms is intended to limit any rights that cannot legally be excluded under applicable law.

12. Failed or Duplicate PaymentsIf a payment fails but an amount appears to have been deducted from your account, the payment provider or bank may automatically reverse the transaction according to its processing timelines.If you believe you have been charged more than once for the same order, contact us at:[YOUR SUPPORT EMAIL]Please include relevant transaction details. Do not send sensitive information such as your CVV, UPI PIN, banking password, or OTP.

13. Promotional Offers and BonusesGrowthPustak may occasionally provide:• Discounts• Bonuses• Bundle offers• Limited-time pricing• Promotional resources• Free downloadsThe availability and terms of these promotions may change.A bonus or promotional item available during one campaign may not necessarily be included in future or previous purchases unless specifically stated.Any genuine deadline or availability condition stated on an offer will be governed by the terms presented with that offer.

14. Prohibited ActivitiesYou agree not to use our website or products to:• Violate applicable law• Commit fraud• Attempt unauthorized access to our systems• Distribute malicious software• Interfere with website functionality• Circumvent payment or access controls• Scrape or systematically copy protected content without permission• Redistribute or commercially exploit our digital products without authorizationWe may restrict access where we reasonably believe our products or services are being abused, pirated, fraudulently obtained, or unlawfully distributed.

15. Third-Party ServicesGrowthPustak may use or link to third-party services such as:• Payment gateways• Website/funnel platforms• Email providers• Analytics services• Advertising platforms• Social-media platformsYour interaction with those third-party services may also be governed by their respective terms and privacy policies.GrowthPustak does not control the independent operation or policies of third-party services.

16. Website AvailabilityWe aim to keep our website and digital-delivery systems accessible, but continuous or uninterrupted availability cannot be guaranteed.Temporary interruptions may occur because of:• Maintenance• Hosting issues• Internet outages• Payment gateway issues• Technical failures• Third-party service interruptions• Events outside our reasonable controlIf a technical issue prevents you from accessing a product you have legitimately purchased, contact our support team for assistance.

17. Limitation of LiabilityTo the extent permitted by applicable law, GrowthPustak will not be responsible for indirect, incidental, consequential, or special losses arising solely from reliance on general educational information provided through our products or website.You are responsible for evaluating information and making decisions appropriate to your circumstances.Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

18. PrivacyYour use of our website and services is also subject to our Privacy Policy, which explains how personal information may be collected, used, processed, and protected.Privacy Policy: [INSERT PRIVACY POLICY URL]By using our website, you acknowledge that you have had the opportunity to review our Privacy Policy.

19. Changes to These TermsGrowthPustak may update these Terms from time to time to reflect changes to:• Our products• Business practices• Website functionality• Payment systems• Applicable requirementsThe latest version will be published on this page with an updated “Last Updated” date.Changes will apply from the effective date stated in the updated Terms, subject to applicable law.

20. Governing LawThese Terms are governed by the applicable laws of India.Any dispute relating to these Terms, our website, or GrowthPustak products will be handled in accordance with applicable Indian law and the jurisdiction requirements that legally apply.

21. Contact UsIf you have questions regarding these Terms & Conditions, please contact:GrowthPustakWebsite: [YOUR WEBSITE URL]Email: [YOUR SUPPORT EMAIL]Business Location: IndiaFor purchase-related support, please include your registered email address and transaction/order information.

22. Acceptance of TermsBy completing a purchase from GrowthPustak, you confirm that you have had the opportunity to review these Terms & Conditions, our Privacy Policy, Refund Policy, and applicable product information before purchasing.
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