The rules of the game are set for the convenience of all – especially my site’s readers and users. Legalese confounds – but protects.
The high standards maintained by this site are also laid down here. The idea is to reassure all my users that I administer this site with the best of my industry’s ethics and principles.
This website is owned and operated by Shobha Ponnappa. (“me”, “my”, “mine”, “I”).
The following Terms and Conditions, along with the Earnings Disclaimer and Privacy Policy, (collectively, the “Terms of Use”), govern your access to and use of ShobhaPonnappa.com, including any content, functionality, and services offered on or through ShobhaPonnappa .com (the “Website”), whether as a guest or a registered user.
Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Terms of Use, Earnings Disclaimer, and Privacy Policy, incorporated herein by reference. If you do not want to agree to my Terms of Use, Earnings Disclaimer, and Privacy Policy, you must not access or use the Website.
This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with me and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
I may revise and update these Terms of Use from time to time at my sole discretion. All changes are effective immediately when I post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
Your use of the Website is also subject to my Privacy Policy. Please review my Privacy Policy, which also governs the Website and informs users of my data collection practices. Your agreement to the Privacy Policy is hereby incorporated into these Terms of Use.
Your use of the Website is also subject to my Disclaimer. Please review my Disclaimer, which also governs the Website and informs users of various limitations regarding the information provided on the Website. Your agreement to the Disclaimer is hereby incorporated into these Terms of Use.
I reserve the right to withdraw or amend this Website and any service or material I provide on the Website in my sole discretion without notice. I will not be liable, if for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, I may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website, and any resources downloaded from the Website, that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by my Privacy Policy, and you consent to all actions I take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify me immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
I have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in my sole discretion for any or no reason, including if, in my opinion, you have violated any provision of these Terms of Use.
You are granted a non-exclusive, non-transferable, revocable license to access and use the Website and the resources available for download from the Website strictly in accordance with these Terms of Use.
As a condition of your use of the Website, you warrant to me that you will not use the Website or any of the resources available for download from the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website or any of the resources available for download from the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Website, is my property and/or my suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Website or any of the resources available for download from the Website.
My content is not for resale. Your use of the Website or any of the resources available for download from the Website does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your individual use, and will make no other use of the content without my express written permission and that of the copyright owner. You agree that you do not acquire any ownership rights in any protected content. I do not grant you any licenses, express or implied, to my intellectual property or that of my licensors except as expressly authorized by these Terms.
My business name, business logo, business slogan, and all related names, logos, product and service names, designs, and slogans are my trademarks or that of my affiliates or licensors. You must not use such marks without my prior written permission. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.
As set forth more fully in the Disclaimer, the information contained on this Website and the resources available for download through this Website are for educational and informational purposes only. The information contained on this Website and the resources available for download through this Website are not intended as, and shall not be understood or construed as legal, financial, tax, medical, health, or any other professional advice.
As set forth more fully in the Disclaimer, I have done my best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information, but I cannot guarantee the accuracy of the information. Neither I nor any of my employees shall be held liable or responsible for any errors or omissions on this Website or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.
By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any actions or implementing any plans or policy suggested or recommended on this Website.
As set forth more fully in the Disclaimer, you agree that I have not made any guarantees about the results of taking any action, whether recommended on this Website or not. The Company provides educational and informational resources that are intended to help users of this Website succeed. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond my control and/or knowledge.
You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether my clients or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.
Visiting the Website or sending emails to me constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that I provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.
I would be pleased to communicate with you by e-mail, and there are various places on this Website that provide you the ability to send an electronic communication to me. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. As set forth more fully in my Privacy Policy, I will take reasonable steps to ensure that any communications remain confidential, but I cannot guarantee the security of such communications and cannot guarantee that I would not be required to disclose such communications as a result of a court order.
The Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, blog comment sections, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes, or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices, or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded, restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.
I have no obligation to monitor the Communication Services. However, I reserve the right to review materials posted to a Communication Service and to remove any materials at my sole discretion. I reserve the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
I reserve the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at my sole discretion.
Always use caution when giving out any personally identifying information about yourself in any Communication Service. I do not control or endorse the content, messages, or information found in any Communication Service and, therefore, I specifically disclaim any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not my authorized spokespersons, and their views do not necessarily reflect my views.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.
I do not claim ownership of the materials you provide to the Website (including feedback and suggestions) or post, upload, input, or submit to any Website or our associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submission you are granting me, and my affiliated companies, and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. I am under no obligation to post or use any Submission you may provide and may remove any Submission at any time at my sole discretion.
By posting, uploading, inputting, providing, or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
The Website may contain links to other Websites (“Linked Websites”). The Linked Websites are not under my control and I am not responsible for the contents of any Linked Website, including without limitation any link contained in a Linked Website, or any changes or updates to a Linked Website. I am providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by me of the Website or any association with its operators.
Certain services made available via the Website are delivered by third-party Websites and organizations. By using any product, service, or functionality originating from the Website, you hereby acknowledge and consent that I may share such information and data with any third party with whom I have a contractual relationship to provide the requested product, service, or functionality on behalf of the Website’s users and customers.
I provide various templates and/or forms for download and/or sale on this Website. I grant you a limited, personal, non-exclusive, non-transferable license to use our templates and/or forms for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the templates and/or forms in any manner, except for modifications in filling out the templates and/or forms for your authorized use.
By ordering or downloading Forms, you agree that the Forms you purchase or download may only be used by you for your personal or business use and may not be sold or redistributed without my express written consent.
I, from time to time, may provide various courses, programs, and associated material for sale on this Website. I grant you a limited, personal, non-exclusive, non-transferable license to use my courses, programs, and associated material (collectively the “Courses”) for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Courses in any manner.
By ordering or participating in Courses, you agree that the Courses you purchase or download may only be used by you for your personal or business use and may not be sold or redistributed without my express written consent.
By ordering or participating in Courses, you further agree that you shall not create any derivative work based upon the Courses and you shall not offer any competing products or services based upon any information contained in the Courses.
I provide various resources on this Website, which users may access by providing an e-mail address. I grant you a limited, personal, non-exclusive, non-transferable license to use my resources provided in exchange for an email address (the “Freemium Content”) for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Freemium Content in any manner.
By downloading the Freemium Content, you agree that the Freemium Content you download may only be used by you for your personal or business use, and such Freemium Content may not be sold or redistributed without my express written consent.
By downloading the Freemium Content, you further agree that you shall not create any derivative work based upon the Freemium Content and you shall not offer any competing products or services based upon any information contained in the Freemium Content.
I may, from time to time, provide information from a third party in the form of a podcast guest interview, interview on other platform, guest blog post, or other medium. I do not control the information provided by such third party guests. I am not responsible for investigating the truth of any information provided, and cannot guarantee the veracity of any statements made by such guests.
Individuals who agree to appear as guests on any podcast offered by me agree to transfer all intellectual property rights they may have in any such interviews to me and further provide a license to any rights they are unable to assign.
I want you to be satisfied with your purchases from me, but I also want you to give your best effort to apply all of the strategies in the product(s), service(s), or program(s) purchased from me.
Each product, service, or program purchased from me will be governed by its own Contracts and Terms. Requests for cancellation/refunds will as envisaged and made explicit in the Contracts and Terms of the purchased product, service, or program.
I make no guarantees of refund of payments made to me for purchases made from me of products, services, or programs. All cancellation/refund requests made to me will be dealt with on a case-to-case basis, and I may agree to offer cancellation/refunds at my sole discretion, after examining the fitness of the case for such refund.
Upon determining that you are entitled to a cancellation/refund pursuant to this policy, I will promptly issue an instruction to my payment processor to issue the refund. I do not control my payment processor and will not be able to expedite any refunds.
If you receive a refund of any purchase through the Terms and Conditions, that shall immediately terminate any and all licenses granted you to use the material provided to you under these Terms of Use or any other Agreement. You shall immediately cease using the material and shall destroy all copies of the information provided to you, including without limitation: ideas and suggestions made by me as part of project consultations, video recordings, audio recordings, forms, template documents, slide shows, membership areas, social media groups limited to paying members, and other resources.
I make no warranties regarding the performance or operation of this Website. I further make no representations or warranties of any kind, express or implied, as to the information, contents, materials, documents, programs, products, books, or services included on or through this Website. To the fullest extent permissible under the law, I disclaim all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.
You agree to absolve me of any and all liability or loss that you or any person or entity associated with you may suffer or incur as a result of the use of the information contained on this Website and/or the resources you may download from this Website. You agree that I shall not be liable to you for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages for use of this Website.
The information, software, products, and services included in or available through the Website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. I and/or my suppliers may make improvements and/or changes to the Website at any time.
I and/or my suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the Website for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided “as is” without warranty or condition of any kind. I and/or my suppliers hereby disclaim all warranties and conditions with regard to this information, software products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.
To the maximum extent permitted by applicable law, in no event shall I and/or my suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website, with the delay or inability to use the Website or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Website, or otherwise arising out of the use of the Website, whether based on contract, tort, negligence, strict liability or otherwise, even if I or any of my suppliers have been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of the liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the Website, or with any of these Terms of Use, your sole and exclusive remedy is to discontinue using the Website.
You hereby expressly waive any and all claims you may have, now or in the future, arising out of or relating to this Website, me, any and all contracts you enter into with me, and any and all of my products and services.
To the extent that you attempt to assert any such claim, you hereby expressly agree to present such claim only through binding arbitration to occur in Chennai, India. You further agree to and do hereby waive any right to class arbitration and agree, instead, to conduct an arbitration related solely to any individual claims you and/or any entity related to you asserts against me. To the fullest extent permissible by law, you further agree that you shall be responsible for all costs associated with initiating the arbitration and for the administration of the arbitration.
The Service is controlled, operated, and administered by me from my offices within India. If you access the Service from a location outside India, you are responsible for compliance with all local laws. You agree that you will not use my content accessed through the Website in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.
You agree to indemnify, defend, and hold me harmless (as well as my officers, directors, employees, agents, and third parties), for any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the Website or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. I reserve the right, at my own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with me in asserting any available defenses.
I reserve the right, at my sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, you hereby consent to resolve any and all disputes arising under or related to this Website or the Terms of Use pursuant to the Arbitration Clause above. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and me as a result of this Agreement or use of the Website. My performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of my right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by me with respect to such use. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.
Unless otherwise specified herein, this Agreement, namely the Terms of Use, along with the Privacy Policy and Disclaimer, constitutes the entire Agreement between the user and me with respect to the Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and me with respect to the Website. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this Agreement and all related documents be written in English.
I reserve the right, at my sole discretion, to change the Terms under which my Website is offered. The most current version of the Terms will supersede all previous versions. I encourage you to periodically review the Terms to stay informed of our updates.
I welcome your questions or comments regarding the Terms:
Shobha Ponnappa.
G1, 78, Warren Road,
Chennai 600004, India
Email Address: support@shobhaponnappa.com
Last Updated: January 1, 2024
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