1. Introduction

Krawl is a global edutech company providing professional finance education through an online portal. Krawl is registered as Valzhi Alliance Partners LLP, with a registered office located at WeWork Eldeco Centre, Block A, Shivalik Colony, Malviya Nagar, Delhi-110017, India. By accessing or using our platform, you agree to the collection and use of information as described in this Privacy Policy.

2. Information We Collect

We collect the following types of personal information:

• a) Personal Identification Information:
  • Full name
  • Email address
  • Phone number
  • Address (for billing or shipping purposes)
  • Payment details (for transactions, via secure payment gateways)
• b) Account Information:
  • Username
  • Password
  • Course enrollment details and progress
  • Certification or credentialing information
• c) Technical Information:
  • IP address
  • VPN services used, if any
  • Other education services being subscribed to
  • Browser type and version
  • Device type and operating system
  • Cookies and tracking technologies (for website usage analytics and personalization)
• d) Usage Data:
  • Interaction with our courses and learning materials
  • Engagement with communications (e.g., emails, newsletters)
  • Responses to surveys, assessments, and feedback requests

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and improve our services: To facilitate course enrollment, learning experience, progress tracking, and certification.
• To process transactions: To complete your purchase or subscription, handle payments, and deliver course materials.
• To communicate with you: To send course-related updates, promotional offers, newsletters, and customer support communications.
• To enhance user experience: To personalize content, tailor course recommendations, and optimize website functionality.
• To maintain security and compliance: To ensure the integrity of our platform, safeguard against fraud, and comply with relevant legal and regulatory requirements.

4. Data Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: We may share your data with trusted third-party service providers (e.g., payment processors, email marketing platforms) to support our services. These providers are bound by contractual obligations to maintain the confidentiality of your data and are prohibited from using your information for any other purpose.
• Legal Compliance: We may disclose your information when required by law or to respond to legal requests, such as a court order or subpoena, or if we believe such action is necessary to comply with legal obligations, protect our rights, or investigate fraud.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you in advance of any such change in ownership or control.

5. International Transfers of Data

As Krawl operates globally, your personal information may be transferred to and processed in countries outside your jurisdiction, including India, where our servers and data centers are located. These countries may have different data protection laws than those in your country. By using our services, you consent to the transfer of your data to such countries, in accordance with applicable data protection regulations.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations. If you wish to request the deletion of your personal data, please contact us at the details provided below in the subsequent section.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and collect usage data. Cookies are small files stored on your device that help us remember your preferences, analyze website traffic, and provide personalized content. You can manage cookie preferences through your browser settings.

For more information on how we use cookies, please see our Cookie Policy.

8. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal data, including:

• Access: You can request a copy of the information we hold about you.
• Correction: You can request correction of any inaccurate or incomplete data.
• Deletion: You can request the deletion of your personal data, subject to applicable legal obligations.
• Opt-out: You can opt-out of receiving promotional emails and other marketing communications by following the unsubscribe instructions in those emails or contacting us directly.
• Data Portability: You may request a copy of your data in a structured, machine-readable format for transfer to another provider.

To exercise any of these rights, please contact us at the details provided below.

9. Data Security

We take reasonable measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. This includes encryption, firewalls, and secure payment gateways. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

10. Third-Party Links

Our website may contain links to third-party websites or services. These external sites are not operated by us, and we are not responsible for their privacy practices. We recommend that you review the privacy policies of any third-party websites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the Effective Date will be updated accordingly. We encourage you to review this policy periodically for any updates.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

Valzhi Alliance Partners LLP
Registered Office: WeWork Eldeco Centre, Block A, Shivalik Colony, Malviya Nagar, Delhi-110017, India
Email:info@krawl.org

1. Course Enrollment

Once you enroll in a course, you will gain access to all the materials associated with that course, and Krawl will begin providing its services as per the Course Description.

2. Cancellation Policy

We offer the following cancellation options only for courses which are taught live depending on the timing of your request:

• Before Course Start: If you wish to cancel your enrollment before the course begins, you may receive a full refund of the course fee, provided the cancellation request is made at least 7 days prior to the course start date.
• After Course Start: Once the course has started, we do not offer refunds. This is because access to the course materials is granted upon payment and enrollment, and you may have already accessed some portion of the content.

3. Refund Policy

There is no refund for courses which are pre-designed and uploaded on Krawl portal and immediately available post purchase. For other courses, refunds will only be issued under the following conditions:

• Before Course Start for courses which are taught live: If you request a cancellation at least 15 days before the course begins, you will be entitled to a full refund of the course fee.
• Course Not as Described: If the course does not meet the description provided on the website, you may request a refund within 7 days of enrollment. In this case, we will investigate your claim, and if validated, a full refund will be issued. You will be required to submit proof of what part of the Course Content does not meet or fall short of the Course Description.

Refunds will be processed through the original payment method used for the purchase. Please note that processing time may vary depending on your payment provider.

4. No Refund Policy

• After Course Access: If you have accessed any portion of the course content or have started using the platform, we do not provide refunds except in the case outlined above (Course Not as Described).
• Non-Refundable Fees: Some fees, including but not limited to transaction fees or taxes, may not be refundable. Any such fees will be clearly communicated at the time of purchase.

5. Course Transfer or Substitution

We do not allow course transfers or substitutions once a course enrollment is made. You may cancel your current enrollment as per the above cancellation terms and re-enroll in another course if needed.

6. Refund Processing Time

Refunds, if eligible, will be processed within 7-10 business days from the date the refund request is approved. Depending on your payment method, it may take additional time for the refund to appear on your account.

7. Requesting a Refund or Cancellation

To request a cancellation or refund, please contact our support team at info@krawl.org. In your request, please include the following details:

• Your name
• Email address used for the enrollment
• Course name and enrollment date
• Reason for cancellation or refund request
• Bank account details (account holder’s name, account number, bank name, and branch) from which the payment was made
• A copy of the bank statement showing the payment made for the course, with the relevant transaction details highlighted

Please note that cancellations and refund requests made through other communication channels (e.g., social media or phone calls) will not be processed.

8. Changes to this Policy

Krawl reserves the right to modify or update this Refund & Cancellation Policy at any time. Any changes will be posted on this page, and the updated policy will be effective from the date it is published. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions or concerns regarding our Refund & Cancellation Policy, please contact us at:

Valzhi Alliance Partners LLP
Registered Office: WeWork Eldeco Centre, Block A, Shivalik Colony, Malviya Nagar, Delhi-110017, India
Email: info@krawl.org

1. Digital Products and Services

Krawl Edutech offers a range of digital products and services, including online courses, educational materials, and downloadable content. These products are delivered via the Platform and are accessible as soon as your purchase is successfully completed and payment is processed.

• Online Courses: Once you have enrolled in a course, you will immediately gain access to course materials, videos, quizzes, and other resources via your account on the Krawl Edutech Platform.
• Downloadable Materials: If the course or product includes downloadable materials (e.g., PDFs, worksheets, templates), you can access these materials directly from your account after purchase.
• Certificates: Upon successful completion of a course, a digital certificate will be available for download from your Krawl Edutech account.

2. Delivery Method

• Immediate Access: Once payment for a course or digital product is successfully processed, you will receive immediate access to your course materials and any downloadable content via your Krawl Edutech account. There is no physical shipping required as all products are delivered digitally.
• Course Enrollment: Upon registration and payment, you will receive an email confirmation with a link to access your enrolled course(s) along with any other relevant instructions or details.
• Email Notifications: You will also receive email notifications about any updates or new content added to your course(s).

3. Delivery Timeframe

• Instant Access: Digital products such as courses, materials, and certificates are delivered to you immediately upon successful payment. You will have access to them as soon as your payment is processed.
• Course Updates: If a course is updated with new content, you will be notified by email and will have access to the updated materials without any additional charges.
• Support and Assistance: If you face any issues accessing your course or digital products, our support team is available 24/7 to assist you.

4. No Physical Shipping

Since Krawl Edutech specializes in online education, all of our offerings are digital, and therefore no physical shipping or delivery of products is involved. All courses, educational resources, and certificates are delivered electronically through the Platform.

5. Refunds and Cancellations

Our Refund and Cancellation Policy applies to all purchases made through the Krawl Edutech Platform. As digital products are delivered immediately after purchase, once the product is delivered and the user has accessed the content, refunds or cancellations may only be requested in specific circumstances as outlined in our Refund & Cancellation Policy.

6. Technical Requirements for Accessing Products

To ensure the best experience, make sure you meet the following minimum technical requirements for accessing digital content:

• A stable internet connection
• A web browser that supports streaming videos (e.g., Chrome, Firefox, Safari, Edge)
• An email account for receiving course updates and notifications
• Access to a PDF reader for downloading and viewing course materials, if applicable

If you encounter technical difficulties in accessing any products, please reach out to our customer support team at info@krawl.org, and we will assist you promptly.

7. Issues with Delivery

In rare cases, if there is an issue with the delivery of your digital products (such as a technical glitch or issue with accessing your course materials), please contact our customer support team at info@krawl.org. We will investigate the issue and resolve it as quickly as possible.

8. Changes to the Shipping & Delivery Policy

Krawl Edutech reserves the right to update or modify this Shipping & Delivery Policy at any time. Any changes will be reflected on this page, and the updated version will take effect immediately upon publication. We encourage you to periodically review this policy to stay informed of any changes.

9. Contact Information

If you have any questions regarding our Shipping & Delivery Policy, or if you encounter any issues with the delivery of your digital products, please contact us at:

Valzhi Alliance Partners LLP
Registered Office: WeWork Eldeco Centre, Block A, Shivalik Colony, Malviya Nagar, Delhi-110017, India
Email: info@krawl.org

1. Introduction

Krawl is an online platform offering professional finance education through various courses and services, including but not limited to online learning modules, certification preparation (e.g., CFA, CPA), and related resources.

2. Eligibility

To use Krawl’s services, you must:

• Be at least 18 years of age, or have the legal authority to enter into this Agreement.
• Provide accurate, complete, and current information when registering or purchasing our courses.

3. Account Registration

To access our courses and services, you may be required to create an account. You agree to:

• Provide truthful, accurate, and complete information during the registration process.
• Keep your login credentials, including your password, secure and confidential.
• Notify Krawl immediately if you suspect any unauthorized access to your account.

Krawl reserves the right to suspend or terminate accounts that violate these Terms and Conditions or engage in unlawful activities.

4. Course Enrollment

Once you have registered, you can purchase and enroll in available courses. Upon successful payment, you will have access to the course content as per the terms of your enrollment. Krawl grants you a limited, non-transferable, and revocable license to access and use the course content solely for personal, non-commercial purposes.

5. Payment Terms

• All payments for courses must be made through our designated payment processing platform.
• Prices for courses and subscriptions are listed in the local currency and may be subject to taxes, depending on your region (e.g., VAT, GST).
• By making a payment, you agree to the pricing and payment terms outlined on the payment page.
• All fees are non-refundable, except as outlined in the Refund & Cancellation Policy.

6. Intellectual Property Rights

All course materials, including but not limited to text, images, video, audio, graphics, and software (Content) are the property of Krawl or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, or publicly display the Content without express permission.
• Sell, license, or exploit any of the Content for commercial purposes.

7. User Content

By uploading or submitting any content (e.g., assignments, feedback, forum posts) to the platform, you grant Krawl a non-exclusive, worldwide, royalty-free license to use, store, and display your content for educational, promotional, and operational purposes.

You are solely responsible for the content you upload or post, and you must ensure that it does not violate any intellectual property rights or third-party rights.

8. Use of Services

You agree to use Krawl’s services for lawful purposes only and in a manner consistent with all applicable laws and regulations. You agree not to:

• Violate any local, national, or international law.
• Engage in any fraudulent, deceptive, or misleading activity.
• Distribute viruses or other harmful code.
• Attempt to gain unauthorized access to the platform or its systems.

Krawl reserves the right to suspend or terminate your access to the platform if you violate any of these terms.

9. Privacy

Your privacy is important to us. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data.

10. Disclaimer of Warranties

Krawl’s services are provided as is and as available. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or availability of our platform or the content provided. You agree that your use of our services is at your own risk.

Krawl does not guarantee:

• Continuous or uninterrupted access to the platform.
• That the courses or content will meet your expectations or be error-free.
• That the platform will be free from viruses, bugs, or other harmful components.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Krawl shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of data, profits, or goodwill, arising out of or in connection with your use of the platform or services.

Krawl’s total liability for any claim under this Agreement shall not exceed the amount paid by you for the course or service in question.

12. Termination

Krawl may, at its sole discretion, suspend or terminate your account and access to the services if you violate any of these Terms and Conditions. You may also terminate your account by contacting us directly.

Upon termination, all rights granted to you under this Agreement will immediately cease, and you must stop using the services and destroy all copies of course content.

13. Refund & Cancellation Policy

Refunds and cancellations are subject to the terms outlined in our Refund & Cancellation Policy. Please review this policy before making a purchase.

14. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from this Agreement shall be subject to the exclusive jurisdiction of the courts located in Gautam Buddha Nagar, Uttar Pradesh, India.

15. Dispute Resolution

Any disputes or claims arising out of or relating to this Agreement will be resolved through binding arbitration, in accordance with the rules of the Arbitration and Conciliation Act, 1996 of India. The jurisdiction for arbitration will be Gautam Buddha Nagar, Uttar Pradesh, India.

16. Modifications to Terms

Krawl reserves the right to modify or update these Terms and Conditions at any time. Any changes will be effective immediately upon posting the revised Terms on the website. You are responsible for reviewing these Terms periodically for any updates.

17. Contact Us

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Valzhi Alliance Partners LLP (Krawl)
Registered Office: WeWork Eldeco Centre, Block A, Shivalik Colony, Malviya Nagar, Delhi-110017, India
Email: info@krawl.org

1. Order Confirmation

By submitting an order on our Website, you are making an offer to purchase the Products. Once your payment is successfully processed, you will receive an order confirmation email acknowledging receipt of your order. This email does not constitute an acceptance of your order. The acceptance of your order and the completion of the contract between you and Krawl will occur once you are granted access to the purchased course(s) or service(s).

2. Payment Methods

We accept the following payment methods:

• Credit cards (Visa, MasterCard, American Express)
• Debit cards
• PayPal
• Bank transfer (if applicable)
• Other online payment methods (as may be available in specific regions)

All payments must be made in full at the time of purchase unless otherwise specified on the Website.

3. Pricing

All prices listed on the Website are in [currency] (as applicable depending on your region) and are inclusive of any applicable taxes or fees, unless otherwise stated. Krawl reserves the right to modify the prices of the Products at any time without prior notice. However, any price changes will not affect any orders that have already been confirmed.

4. Payment Processing

Your payment will be processed by our third-party payment processors. Krawl does not store your credit card information. By providing your payment details, you authorize the payment processor to process the payment on your behalf.

In case of payment failure (due to insufficient funds, expired credit/debit card, or any other reason), Krawl reserves the right to cancel the order or suspend your access to the Product until the payment is successfully processed.

5. Access to Products

After successful payment, you will be granted access to the course or Product as per your enrollment details. If the Product is an online course, access will typically be provided immediately or within a few hours after the payment is processed. You will receive a confirmation email with login credentials and instructions to access the course.

6. Refund and Cancellation

Please refer to our Refund & Cancellation Policy for information on how to request a cancellation or refund. No refunds will be granted once a course has been accessed, except under the circumstances outlined in our Refund & Cancellation Policy.

7. Taxes

The prices for Products on the Website may not include all applicable taxes. Depending on your location, local taxes may apply to your order. You are responsible for any taxes, duties, or other charges imposed by your jurisdiction in case the same are not collected by us.

8. Late Payments and Overdue Accounts

If you fail to make a payment by the due date, Krawl reserves the right to suspend or terminate your access to the Product until the outstanding balance is paid in full. You may be subject to late fees or other charges as determined by Krawl in its sole discretion.

9. Currency

All payments made on the Website will be in the currency applicable to your region or the currency chosen at checkout. Currency conversion fees may apply depending on your payment method and the country of your payment processor.

10. No Transfer of Ownership

By purchasing a course or Product, you are granted a limited, non-transferable, and non-exclusive license to access and use the Product in accordance with the terms set forth in this agreement. The ownership of the course materials or other Products remains with Krawl or its licensors.

11. Intellectual Property

All intellectual property rights (including copyrights, trademarks, and patents) in the Products, including course content, materials, and any associated resources, are owned by Krawl. You agree not to copy, distribute, reproduce, or otherwise exploit any content from the Products for commercial purposes without prior written consent from Krawl.

12. Changes to Terms of Sale

Krawl reserves the right to modify or amend these Terms of Sale at any time without prior notice. Any changes will be posted on this page, and the revised terms will be effective immediately upon publication. It is your responsibility to review these Terms of Sale regularly to stay informed of any updates.

13. Customer Support

If you have any questions regarding payments, orders, or general customer support, please contact us at:

Email: info@krawl.org

14. Limitation of Liability

Krawl’s liability in connection with any purchase made through our Website shall be limited to the total amount paid for the Product. Krawl shall not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with the use or inability to use the Products.

15. Governing Law and Jurisdiction

These Terms of Sale are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms of Sale shall be subject to the exclusive jurisdiction of the courts located in Gautam Buddha Nagar, Uttar Pradesh, India.