Legal Document

Terms and Conditions

STOXGEN Finance Digital Bookstore | Last updated: September 2026

1. Swagat (Welcome)

STOXGEN Finance ki digital bookstore par aapka swagat hai. Ye Terms and Conditions ("Terms") aapko aur STOXGEN Finance ("hum", "humara", "company") ke beech agreement hai. Hamari website aur digital ebooks (jaise "Karz Se Aazadi") use karke aap in Terms se agree karte hain.

2. Company Information

Brand Name: STOXGEN Finance

Support Email: myzionflow@gmail.com

Support Contact: +91 9712212255

Governing Law: Republic of India

3. Eligibility

Hamari ebooks kharidne ke liye aapki age kam se kam 18 saal honi chahiye. Indian law ke anusar hum sirf un logon ko bechte hain jo legally contract karne ke laiq hain.

4. Products and Services

Hum digital ebooks (PDF format) bechte hain jo financial literacy, debt management, aur personal growth ke topics par based hain. Sabhi ebooks informational aur educational purpose ke liye hain. Ye professional financial, legal, ya investment advice nahi hain. Koi bhi major financial decision lene se pehle qualified professional se consult zaroor karein.

5. Pricing aur Payment

• Sabhi prices Indian Rupees (INR) mein listed hain aur GST applicable hai jahan law kehta hai.
• Payment Razorpay, Cashfree, aur Instamojo ke through securely process hoti hai.
• Hum credit/debit card, UPI, net banking, wallets jaise methods accept karte hain.
• Payment successful hone ke baad aapko turant confirmation email milegi.

6. Digital Delivery

Ebooks PDF format mein instant downloadable hain. Purchase ke baad aapko email par download link milta hai. Hamare saath apni valid email address share karein taaki delivery ensure ho sake.

7. Intellectual Property Rights

Hamari sabhi ebooks, designs, content, logos, aur branding STOXGEN Finance ki intellectual property hai aur Indian Copyright Act, 1957 ke under protected hai. Bina written permission ke aap:

• Ebook ko resell, distribute ya publicly share nahi kar sakte.
• Content ko copy, reproduce ya modify nahi kar sakte.
• Content ko kisi bhi illegal ya unauthorized purpose ke liye use nahi kar sakte.

8. Refund Policy

Hum apni ebooks ke quality par confident hain, isliye humari Refund Policy hai. Detail ke liye hamari Refund Policy page dekhein.

9. User Conduct

Hamari website use karte hue aap agree karte hain ki aap:

• Koi bhi illegal activity nahi karenge.
• Koi bhi harmful content upload ya share nahi karenge.
• Hamari security measures ko bypass nahi karenge.
• Fake ya misleading information nahi denge.

10. Limitation of Liability

STOXGEN Finance apni ebooks ke content ki accuracy ensure karne ki koshish karta hai, lekin hum kisi bhi indirect, incidental, ya consequential damages ke liye liable nahi hain jo hamari ebooks ya website ke use se arise ho sakte hain.

11. Third-Party Services

Hum payment ke liye Razorpay, Cashfree, aur Instamojo jaise trusted third-party gateways use karte hain. In gateways ke terms unke respective websites par available hain.

12. Privacy aur Data Protection

Aapki personal information Digital Personal Data Protection Act, 2023 ke under handle ki jaati hai. Detail ke liye hamari Privacy Policy dekhein.

13. Termination

Hum kisi bhi user ki access terminate karne ka adhikar rakhte hain jo in Terms ka violation kare.

14. Governing Law aur Jurisdiction

Ye Terms Indian law ke under governed hain. Kisi bhi dispute ke liye competent courts ki jurisdiction applicable hogi.

15. Changes to Terms

Hum apni Terms ko kabhi bhi update kar sakte hain. Material changes hone par users ko email ya website par notify kiya jayega.

16. Contact Us

Koi bhi query ya concern ho to humse contact karein:

Email: myzionflow@gmail.com

Phone: +91 9712212255

Document Last Updated: September 16, 2026