These terms and conditions (“Terms & Conditions” or “Terms” or “T&Cs”) govern the use of the website / platform https://finxinstitute.com (“Platform”), including any use or viewing of any content, services and products available at or through the Platform (collectively, “Services”), by Platform visitors and participants (collectively, “Users”), both unregistered and registered (“Users”).
The Platform is owned and operated by AV Financial Experts Network Private Limited, a company having CIN: U67100MH2018PTC318889 and its registered office at Plot no. 112, Mezanine Floor, Above Tata Croma, Near Sion Circle, Sion Koliwada Road, Sion East, Mumbai, Maharashtra 400022(“FinX” / “Company”).
The Company is engaged in the business of undertaking skill development activities in the financial services sector and also endeavors to organize the placement of the persons who undertake skill development through the Company (“Services”).
The Services are offered to each User subject to such User’s acceptance of all of these Terms & Conditions and all other applicable conditions, operating rules, policies, procedures, etc. in force from time to time, including any amendments thereto.
By accessing the Platform or making payment through any Payment Partner, you also agree to the Privacy Policy, Payment Partner terms, and use of cookies for improved services.
A User should read the T&Cs carefully before browsing or accessing the Platform or any content or using any Services. By browsing, accessing or using any part of the Platform, including the registration by a User to open an account (“User Account”), a User agrees to be bound by these Terms & Conditions. If a User disagrees with or cannot or does not wants to follow these Terms & Conditions (in part or in whole), then such User should not browse or access the Platform or use any Services or register to create User Account.
“FinX Group” refers collectively to the group of affiliated entities operating under the ‘FinX’ umbrella, including but not limited to: AV Financial Experts Network Pvt. Ltd., Center for Investment Education and learning Pvt Ltd, CLF (Centre for Learning Foundation), ID FinXpert skilling Foundation FinX Institute Private limited. Together, these entities collaborate to deliver comprehensive services in financial education, literacy, training, and recruitment. References to "FinX Group" in this Agreement shall include all the above entities, their respective units, initiatives, and future subsidiaries unless explicitly stated otherwise.
“Affiliated Student” means any student who is already registered with FinX, is actively participating in any FinX program, or has registered on the E3 platform for joint degree programs.
In consideration of your use of the Platform and / or subscription to the Services, we hereby grant you a licence to use the subscribed course (“Product”). This licence is limited, revocable, non-exclusive, non-sub licensable and non-transferable, and is subject to the rights and obligations granted under these Terms. This licence is personal to you and cannot be shared or exchanged with others. We develop, distribute and maintain the Product and will also provide you with log in details. We will also manage your access to the Product and provide support to you, where necessary.
The starting date of your access to the Product(s) is deemed to be the date of purchase. We will take all commercially reasonable steps to provide you with uninterrupted access to the Products. However, your access may be restricted from time to time for reasons beyond our control. Such reasons include force majeure events, power outages and actions from computer hackers and others acting outside the law. Your access may also be interrupted due to software issues, server downtime, increased Internet traffic, programming errors, regular maintenance and other reasons. In case of disruption, we will take commercially reasonable steps to restore your full access within a reasonable period of time. ‘Commercially reasonable’ in these terms shall mean reasonable efforts taken in good faith, without an unduly burdensome use or expenditure of time, resources, personnel or money.
We provide the materials ‘as is’ and without any warranties, whether express or implied, except those that cannot be excluded under statute. We also do not warrant that the materials will be error free, including technical inaccuracies.
Our aim is to provide course contents and materials of the highest quality. As such, improvements or changes to the Products or any other materials may occur at any time without prior notification in order to ensure that they are up to date and accurate.
The examinations for the relevant Products and certification shall be conducted at the place, at the time and through such modes and means as shall be communicated by the Company to the User, in advance, before the relevant examinations.
The following Terms shall be additionally applicable where the mandate includes your Enrolment for NISM Examinations by Finx:
The following terms shall be additionally applicable where the mandate includes your enrolment for NISM Examinations by Finx:
1. Non-Cancellable Products:
Once a Product is purchased, it cannot be cancelled, and the Company shall not be liable to
refund any amount for the purchased Product. Users are responsible for evaluating the
suitability of the Product(s) before making a purchase.
2. System Requirements:
Users are responsible for ensuring that their devices, hardware, software, internet connection,
and other system requirements are compatible with the Product(s) before purchase. The
Company will not provide refunds if access to the Product(s) is impaired due to insufficient
system requirements.
3. User Responsibility for Course Completion:
It is the sole responsibility of the User to study the Product(s) and complete any relevant
examinations or certifications, using the methods provided by the Company or otherwise. The
Company shall not be liable if the User fails to complete the course or clear the relevant
exams/certifications for any reason, including but not limited to:
4. Exceptional Refunds:
The Company may, at its sole discretion, offer refunds or credits in special circumstances. Any
such refunds or credits shall be provided only upon written approval by the Company and in
accordance with its policies.
Payment Processing
1. All payments for courses or services are processed through authorized third-party payment
gateways (e.g., Razorpay, Paytm).
2. You may be redirected to the Payment Partner’s platform, which may require financial details
such as card information or UPI ID.
3. FinX does not collect, store, or access your payment credentials.
4. All transactions are subject to the Payment Partner’s terms, conditions, and privacy policies.
FinX is not liable for any errors, unauthorized transactions, or disputes arising from the use of
third-party gateways.
5. Refunds or disputes must be addressed with the Payment Partner, unless covered under FinX’s
Refund & Cancellation Policy.
6. Please refer to the Privacy Policy for information on how your data is handled.
At our discretion we may restrict your access to the
Products if you breach these terms, including without limitation:
a) If we believe that you are abusing our cancellation policy; or
b) Failure in adhering to the Terms & Conditions stated herein; or
c) Failure to provide accurate information that is necessary for us to provide the Products to you.
In these circumstances, we will notify you in writing that your access to the Products will be
restricted
/ prohibited / withdrawn.
We reserve the right to discontinue and change our Product or any aspect of it at any time, including but not limited to program entrance requirements and other policies. Changes will be posted on the Platform, and you agree to be bound by these changes.
In addition to any other rights and remedies provided by law or these Terms & Conditions, we hereby expressly reserve all of our rights and remedies arising out of a breach of this Terms & Conditions and/or any infringement of any of our intellectual property rights. We reserve the right at our sole discretion to modify and/or make changes to these Terms & Conditions at any time. If we make any material change, we may notify you using prominent means such as by email notice sent to the email address specified in your account or by posting a notice through our Services or on the website. Modifications will become effective on the day they are posted unless stated otherwise.
The Product purchased by you through the Platform grants you license to access and view the Product, alongwith the courses and content provided with the Product, subject to adherence to the Terms. You shall not copy, modify, transmit, distribute or in any way exploit the Products or any other copyrighted materials provided and shall not use the same for any purposes other than for your personal learning and education. The use of the Products for any other purpose is expressly prohibited under these Terms & Conditions. You shall also not permit anyone else to copy, use, modify, transmit, distribute or in any way exploit the Products or any other materials.
There are risks inherent into using our Products and Services. The Products may be exposed to content that you would consider objectionable or offensive. We accept no liability towards your enrollment with us and access to content which you may find objectionable. We will not be liable for disputes, claims, losses, damages of any kind arising out of usage of the Product and the content.
During usage of Products and / or Services, you may find links to other websites that we don’t own or control. We are not responsible for the content or any other aspect of these third -party sites, including their collection of information about you. You should also read their terms and conditions and privacy policies to understand the terms of the usage of such websites.
The Company shall not be liable for indirect, incidental, consequential, or punitive damages, including any loss of profit, loss of data, or unauthorized access to User Account, whether arising in contract, tort, or otherwise.
“The total liability of the Company, whether arising in contract, tort, or otherwise, shall not exceed the total amount paid by the User to the Company for the Product or Service giving rise to such claim.”
THE COMPANY DOES NOT PROVIDE ANY GUARANTEE TO ANY USER THAT SUCH USER WILL BE ABLE TO SECURE ANY JOB PLACEMENT OR EMPLOYMENT BY UNDERTAKING / ENROLLING FOR THE PRODUCTS AND / OR SERVICES OF THE COMPANY, THROUGH THE PLATFORM OR OTHERWISE AND ANY EXPRESS OF IMPLIED INFERENCE IN RESPECT THEREOF IS HEREBY EXCLUDED. THE COMPANY ALSO DOED NOT PROVIDES ANY WARRANTY OR ACCEPTS ANY RESPONSIBILITY WITH RESPECT TO SAFETY, WORKING CONDITIONS OR OTHER ASPECTS OF EMPLOYMENT OR INTERNSHIP FACILITATED THROUGH THE COMPANY.
All rights, title and interest in intellectual property rights relating to the Products and Services including copyright, patents, trademarks, trade secrets, improvements, developments, proprietary information, know-how, processes, methods, business plans or models (including computer software and preparatory and design materials thereof) and all other intellectual property (whether registered or not) developed or created from time to time shall exclusively be owned by the Company. Nothing that you see or read in the Product can be copied, reproduced, modified, distributed, transmitted, republished, displayed or performed for any purpose or use other than your education and learning. All other trademarks, service marks and trade names in this material are the marks of the respective owners and any unauthorized use is prohibited.
Your continued use of our Products and / or Services after changes become effective shall mean that you accept those changes. Any revised Terms & Conditions shall supersede all previous Terms & Conditions.
Any information, content or Services made available on or through our Platform are provided “AS IS WHEREIS” and “AS AVAILABLE” without warranty of any kind (express, implied or otherwise), including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that our Platform will operate in an uninterrupted or error-free manner, that the Platform is free of viruses or other harmful components, or that the Products or content provided will meet your needs or expectations. We also make no warranty about the accuracy, completeness, timeliness, or quality of the website or any Products or content, or that any particular courses or content will continue to be made available.
Use of our website, and the content and services obtained from or through the website, is at your own risk. Your access to or download of information, materials, or data through the website or any reference sites is at your own discretion and risk, and you will be solely responsible for any damage to your property (including your computer system) or loss of data that results from the download or use of such material or data.
The Company shall not be held liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to natural disasters, internet or telecom disruptions, labour unrest, strikes, civil disturbances, or governmental actions
Users shall not engage in activities that damage, disable or impair the Platform, attempt unauthorized access, or use the Platform for unlawful purposes. Any such act shall lead to immediate termination of access and may attract legal action.”
UNLESS STATED OTHERWISE, PLEASE NOTE THAT THE COMPANY IS AN INDEPENDENT ENTITY AND IT IS NOT ASSOCIATED WITH ANY INSTITUTIONS AND / OR ANY GOVERNMENT ENTITY(IES) RENDERING SIMILAR PRODUCTS OR SERVICES OR WITH ANY OTHER FOREIGN BODY(IES) INCLUDING BUT NOT LIMITING TO THOSE PROVIDING PRODUCTS HAVING NAME(S) SIMILAR TO OR LIKE THAT OF THE PRODUCT(S) OF THE COMPANY.
We will retain your personal information and other additional information provided by you for the purpose of registration with us for as long as the User Account is active or for such time as prescribed under the applicable law for financial reporting, audit and compliance purposes and to comply with its legal obligation.
These terms are governed by and construed in accordance with the laws of India and shall be subject to exclusive jurisdiction of the courts in Mumbai, India.
The User confirms that it has read and understood these Terms and Conditions and agrees to abide by the same in its entirety.