Financial

  1. Acceptance of Terms:

    • Users are required to agree to the Terms of Use before accessing or using the website and its services. By continuing to use the website, users consent to abide by these terms.

  2. Use of Website:

    • Users are granted a limited, non-exclusive, revocable license to access and use the website for lawful purposes. Prohibited activities, such as hacking or unauthorized access, are strictly forbidden.

  3. Intellectual Property Rights:

    • The website’s content, including text, graphics, logos, and trademarks, is protected by copyright and other intellectual property laws. Users are prohibited from copying, distributing, or modifying the website’s content without permission.

  4. User Accounts:

    • Users may be required to create an account to access certain features or services on the website. They are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

  5. User Conduct:

    • Users are expected to conduct themselves in a respectful and lawful manner while using the website. Any behavior that violates the rights of others or disrupts the website’s operation may result in account suspension or termination.

  6. Content Submission:

    • Users may have the option to submit content, such as comments, reviews, or testimonials, to the website. By submitting content, users grant the website a perpetual, irrevocable license to use, modify, or distribute the content as necessary.

  7. Third-Party Links:

    • The website may contain links to third-party websites or services for users’ convenience. However, the website is not responsible for the content or practices of these third-party sites and does not endorse or guarantee their accuracy or reliability.

  8. Disclaimer of Warranties:

    • The website provides its services on an “as-is” and “as-available” basis, without any warranties or representations of any kind. This includes warranties of merchantability, fitness for a particular purpose, or non-infringement.

  9. Limitation of Liability:

    • The website and its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from or related to the use of the website or its services, including but not limited to lost profits or data.

  10. Governing Law and Jurisdiction:

    • The Terms of Use are governed by the laws of a specific jurisdiction, and any disputes arising from or related to these terms shall be resolved through arbitration or litigation in the designated jurisdiction.

      1. Information Collection:

        • We collect personal information such as name, address, and financial details when you register for an account or apply for a loan on our website.

      2. Data Use:

        • We use your personal information to process loan applications, provide customer support, and send you relevant financial offers and updates based on your preferences.

      3. Data Sharing:

        • We may share your personal information with trusted third-party service providers, such as credit bureaus and payment processors, to facilitate loan processing and fraud prevention.

      4. Data Security:

        • We employ industry-standard security measures, including encryption and access controls, to protect your personal information from unauthorized access or disclosure.

      5. Data Retention:

        • We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. Upon request, we securely delete or anonymize your data.

      6. User Rights:

        • You have the right to access, correct, or delete your personal information. To exercise these rights or for any privacy-related inquiries, please contact our privacy officer.

      7. Cookies and Tracking Technologies:

        • We use cookies and similar technologies to improve your browsing experience, analyze website traffic, and personalize content and ads. You can manage your cookie preferences through your browser settings.

      8. Children’s Privacy:

        • Our website is not intended for children under the age of 18. We do not knowingly collect personal information from minors without parental consent.
        Updates to Privacy Policy:
        • We may update this Privacy Policy periodically to reflect changes in our data processing practices or legal requirements. Updates will be posted on our website, and we may notify you via email.
        Contact Information:
        • For questions or concerns about our Privacy Policy or data practices, please contact our privacy officer at support@gothriwiz.com
         

      1. Introduction to Cookies: Explain what cookies are and how they are used on the website. For example: “Cookies are small text files that are placed on your device when you visit our website. They are commonly used to make websites work more efficiently and to provide information to website owners.”

      2. Types of Cookies Used: Describe the different types of cookies used on the website, such as session cookies, persistent cookies, and third-party cookies. Example: “We use session cookies to enable certain features of the website and persistent cookies to remember your preferences.”

      3. Purpose of Cookies: Specify the purposes for which cookies are used, including functionalities like authentication, analytics, and personalization. Example: “Cookies are used to analyze website traffic, personalize content, and improve user experience.”

      4. Consent Mechanism: Explain how users can give consent to the use of cookies and provide options for managing cookie preferences. Example: “By continuing to use our website, you consent to the use of cookies as described in this policy. You can manage your cookie preferences through your browser settings.”

      5. Third-Party Cookies: Disclose any third-party cookies used on the website and their purposes, along with links to the third parties’ cookie policies. Example: “We use third-party cookies from Google Analytics to analyze website usage and improve our services. You can learn more about how Google uses cookies in their Privacy Policy.”

      6. Opt-Out Options: Provide information on how users can opt out of certain types of cookies or third-party tracking. Example: “You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.”

      7. Cookie Duration: Specify the duration for which cookies are stored on users’ devices, including expiration dates for persistent cookies. Example: “Session cookies are deleted when you close your browser, while persistent cookies may remain on your device for a specified period.”

      8. Data Collected: Detail the types of data collected through cookies, such as IP addresses, browsing behavior, and device information. Example: “Cookies may collect information such as your IP address, browser type, and pages visited on our website.”

      9. Data Security: Assure users that appropriate measures are taken to secure the data collected through cookies and prevent unauthorized access. Example: “We take data security seriously and implement measures to protect your information from unauthorized access or disclosure.”

      10. Updates to the Policy: State that the Cookie Policy may be updated from time to time and provide the date of the last revision. Example: “We may update this Cookie Policy to reflect changes in our practices or applicable laws. Please review this policy periodically for updates. Last updated: [Date].”

       

      1. Eligibility for Refunds: Refunds may be available for certain financial products or services purchased through our website, subject to the terms and conditions outlined in this policy.

      2. Timeframe for Refund Requests: Users must submit a refund request within [specified timeframe] of the purchase date in order to be eligible for a refund.

      3. Approval of Refund Requests: Refund requests are subject to approval by our customer support team. We reserve the right to deny refund requests that do not meet the eligibility criteria outlined in this policy.

      4. Conditions for Refunds: Refunds may be granted under the following conditions:

        • The product or service is defective or not as described.
        • The product or service does not meet the user’s expectations.
        • The user has not used or consumed the product or service.

      5. Refund Process: Upon approval of a refund request, we will process the refund within [specified timeframe]. Refunds will be issued to the original payment method used for the purchase.

      6. Refund Amount: The refund amount may be subject to deductions for any applicable fees, taxes, or charges associated with the purchase.

      7. Non-Refundable Items: Certain financial products or services may be non-refundable, as indicated at the time of purchase or in the product/service description.

      8. Cancellation Policy: Users may be eligible for a refund if they cancel a subscription or service within the specified cancellation period, as outlined in the terms and conditions of the subscription/service agreement.

      9. Contact Information: Users should contact our customer support team to initiate a refund request or inquire about the refund process. Contact information can be found on our website.

      10. Policy Updates: We reserve the right to update or modify this refund policy at any time without prior notice. Any changes to the policy will be effective immediately upon posting on our website.

      By using our website and purchasing our financial products or services, users acknowledge that they have read, understood, and agreed to abide by the terms of this refund policy. If you have any questions or require further clarification, please contact our customer support team.

       

       
       
       
       

      1. Multi-Channel Support: We offer customer support through multiple channels, including phone, email, live chat, and in-person assistance at our physical locations.

      2. 24/7 Availability: Our customer support services are available 24 hours a day, 7 days a week, ensuring that assistance is accessible whenever you need it.

      3. Prompt Response Times: We prioritize prompt response times to ensure that your inquiries and issues are addressed in a timely manner. Our goal is to provide quick resolutions and minimize any inconvenience to our customers.

      4. Dedicated Support Team: Our dedicated team of customer support professionals is trained to provide knowledgeable assistance and guidance on a wide range of financial products and services.

      5. Technical Support: In addition to general inquiries, our support team can assist you with technical issues related to our website, trading platforms, or mobile applications.

      6. Account Assistance: Whether you need help with account setup, verification, or maintenance, our support team is here to assist you every step of the way.

      7. Product and Service Information: If you have questions about our financial products, services, fees, or terms and conditions, our support team can provide you with detailed information to help you make informed decisions.

      8. Education and Guidance: We offer educational resources and guidance to help you better understand financial concepts, investment strategies, and risk management techniques.

      9. Complaint Resolution: If you encounter any problems or have concerns about our services, our support team will work diligently to address your complaints and ensure that your issues are resolved satisfactorily.

      10. Feedback and Suggestions: We welcome feedback and suggestions from our customers to continuously improve our products and services. Your input helps us enhance the customer experience and meet your evolving needs.

      By providing comprehensive customer support services, we aim to ensure that you have a positive and fulfilling experience with our financial website. If you require assistance or have any questions, please don’t hesitate to reach out to our support team.

       

       
       
       
       
       

  1. Market Volatility: Warn users about the inherent volatility of financial markets and the potential for significant fluctuations in asset prices. Example: “Investing in financial markets involves risks, including the potential for significant price fluctuations that may result in losses.”

  2. Investment Risks: Highlight the various risks associated with different types of investments, such as stocks, bonds, and cryptocurrencies. Example: “Investing in stocks carries risks, including the risk of loss of principal and market volatility. Past performance is not indicative of future results.”

  3. Leverage Risks: Explain the risks associated with using leverage or margin trading, including the potential for amplified gains or losses. Example: “Margin trading involves borrowing funds to increase the size of your investment position. While leverage can amplify gains, it also magnifies losses, and you may lose more than your initial investment.”

  4. Interest Rate Risks: Discuss how changes in interest rates can impact the value of fixed-income securities and other investments. Example: “Fixed-income investments, such as bonds, are subject to interest rate risk. When interest rates rise, bond prices typically fall, and vice versa.”

  5. Credit Risks: Inform users about the risks of default associated with certain investments, particularly those involving corporate bonds or peer-to-peer lending platforms. Example: “Investing in corporate bonds carries credit risk, as there is a possibility that the issuer may default on its debt obligations.”

  6. Foreign Exchange Risks: Educate users about the risks of currency fluctuations when investing in foreign assets or trading forex. Example: “Investing in foreign assets or trading forex exposes you to exchange rate risk. Changes in currency values can impact the returns of your investments.”

  7. Political and Regulatory Risks: Highlight how changes in government policies or regulations can affect financial markets and investments. Example: “Political instability or changes in regulatory policies may lead to market uncertainty and affect the value of investments.”

  8. Liquidity Risks: Explain the risks associated with investing in illiquid assets or markets with limited trading activity. Example: “Investments in illiquid assets, such as real estate or certain alternative investments, may be difficult to sell quickly at a fair price, potentially resulting in losses or delays in accessing funds.”

  9. Counterparty Risks: Warn users about the risks of counterparties defaulting on financial agreements, particularly in derivative transactions or trading with margin accounts. Example: “Trading derivative products involves counterparty risk, as transactions are typically conducted with brokers or financial institutions. In the event of a counterparty default, you may incur losses.”

  10. Diversification: Emphasize the importance of diversification in managing investment risks and reducing portfolio volatility. Example: “Diversifying your investment portfolio across different asset classes, sectors, and geographic regions can help mitigate specific risks associated with individual investments.”

    1. Acceptance of Terms: By accessing and using this website, you agree to be bound by these Terms and Conditions, as well as any applicable laws and regulations. Failure to comply with these terms may result in the termination of your access to the website.

    2. Eligibility: You must be at least 18 years old and have the legal capacity to enter into contracts to use this website. By using the website, you represent and warrant that you meet these eligibility requirements.

    3. Account Registration: Some features of the website may require you to register for an account. You agree to provide accurate and complete information during the registration process and to keep your account credentials secure. You are responsible for all activities that occur under your account.

    4. Use of Services: The services provided on this website are for informational and educational purposes only and do not constitute financial advice. You agree to use the services at your own risk and to conduct your own research and analysis before making any financial decisions.

    5. Intellectual Property: All content, trademarks, and intellectual property rights on this website are owned by or licensed to us. You may not reproduce, distribute, or modify any content from this website without our prior written consent.

    6. Limitation of Liability: We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of this website or any information provided herein. This includes but is not limited to losses incurred from investment decisions or disruptions to website functionality.

    7. Third-Party Links: This website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content or privacy practices of these third-party sites and encourage you to review their terms and policies.

    8. Data Privacy: We collect and process personal information in accordance with our Privacy Policy. By using this website, you consent to the collection, use, and sharing of your information as described in the Privacy Policy.

    9. Termination of Services: We reserve the right to suspend or terminate your access to the website or services at any time, without prior notice or liability, for any reason, including but not limited to violation of these Terms and Conditions.

    10. Governing Law: These Terms and Conditions shall be governed by and construed in accordance with the laws of [Jurisdiction]. Any disputes arising out of or relating to these terms shall be exclusively resolved by the courts of [Jurisdiction].

  11. By using this website, you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using the website.

    1. Access Agreement: By accessing this website, you agree to comply with all applicable laws and regulations, as well as the terms and conditions outlined herein.

    2. Non-Commercial Use: Users agree to use the website solely for personal, non-commercial purposes and shall not engage in any activities that may harm the website or its users.

    3. Accuracy of Information: Users acknowledge that the information provided on this website is for informational purposes only and should not be considered as financial advice. Users are encouraged to verify any information before making financial decisions.

    4. Account Security: Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. Users agree to notify the website immediately of any unauthorized access or use of their account.

    5. Intellectual Property: Users acknowledge that all content, trademarks, and intellectual property rights on the website belong to the website owner and agree not to reproduce, distribute, or modify any content without prior consent.

    6. Disclaimer of Liability: Users understand and agree that the website owner shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of the use or inability to use the website or its services.

    7. Third-Party Services: Users acknowledge that the website may contain links to third-party websites or services and agree that the website owner is not responsible for the content or privacy practices of such third parties.

    8. Data Privacy: Users consent to the collection, use, and sharing of their personal information in accordance with the website’s Privacy Policy.

    9. Termination of Access: The website owner reserves the right to suspend or terminate access to the website or its services at any time, without prior notice or liability, for any reason deemed necessary.

    10. Governing Law: This agreement shall be governed by and construed in accordance with the laws of [Jurisdiction]. Any disputes arising out of or relating to this agreement shall be exclusively resolved by the courts of [Jurisdiction].

    By accessing and using this website, users acknowledge that they have read, understood, and agree to abide by the terms of this user agreement.

     
     
     

    1. Informational Purposes Only: The content provided on this website is for informational purposes only and should not be considered as financial advice or recommendations.

    2. No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.

    3. Individual Circumstances: The information provided may not be suitable for all individuals or situations. Users should consider their own financial circumstances, risk tolerance, and investment objectives before making any financial decisions.

    4. Risk of Loss: Investing in financial markets involves inherent risks, including the risk of loss of principal. Past performance is not indicative of future results, and investment outcomes may vary.

    5. No Endorsement: Any mention of specific securities, products, services, or investment strategies on this website should not be interpreted as an endorsement or recommendation by us.

    6. Consultation with Professionals: Users are encouraged to seek professional financial advice from qualified advisors or experts before making any investment decisions.

    7. Third-Party Content: We may provide links to third-party websites or resources for informational purposes. We do not endorse or guarantee the accuracy or reliability of any third-party content, products, or services.

    8. Market Volatility: Financial markets are subject to volatility and unpredictable fluctuations. Users should be aware of the potential for significant market movements and losses.

    9. No Liability: We disclaim any liability for any direct, indirect, incidental, consequential, or punitive damages arising out of the use of this website or any information contained herein.

    10. Changes to Information: The information provided on this website may change without notice. We reserve the right to modify, update, or remove content at any time without liability.

    By using this website, you acknowledge that you have read, understood, and agree to abide by the terms of this disclaimer. If you do not agree with any part of this disclaimer, please refrain from using our website.

     
     
     

    1. Regulatory Status: [Company Name] is regulated by [relevant regulatory authority] and holds the necessary licenses and registrations to operate as a financial services provider.

    2. License Numbers: We are registered with [relevant regulatory authority] under license number [license number]. Our registration can be verified on the [regulatory authority’s] website.

    3. Compliance with Laws: [Company Name] is committed to complying with all applicable laws, regulations, and industry standards governing the provision of financial services.

    4. Anti-Money Laundering (AML) Policy: We have implemented robust AML policies and procedures to prevent money laundering and terrorist financing activities. We conduct customer due diligence and ongoing monitoring of client accounts in accordance with AML regulations.

    5. Know Your Customer (KYC) Policy: Our KYC policy ensures that we collect sufficient information about our clients to verify their identities and assess their suitability for our services. Clients may be required to provide documentation to comply with KYC requirements.

    6. Privacy Policy: We respect the privacy of our clients and are committed to protecting their personal information. Our Privacy Policy outlines how we collect, use, and safeguard client data in accordance with applicable privacy laws.

    7. Client Funds Protection: Client funds are held in segregated accounts with reputable financial institutions to ensure their protection and security. We maintain adequate capital reserves and insurance coverage to safeguard client funds.

    8. Risk Disclosure Statement: We provide clients with a risk disclosure statement that outlines the potential risks associated with investing in financial markets. Clients are advised to carefully consider their risk tolerance and investment objectives before trading.

    9. Regulatory Reporting: We comply with regulatory reporting requirements by submitting periodic reports to the relevant regulatory authorities. These reports may include financial statements, transaction reports, and compliance attestations.

    10. Complaints Handling Procedure: We have established a complaints handling procedure to address client concerns and grievances in a fair and timely manner. Clients can submit complaints through our designated channels, and we will strive to resolve them promptly.

    By using our services, clients acknowledge and agree to comply with the terms outlined in these compliance and regulatory disclosures. If you have any questions or require further information, please contact our compliance department.

     
     

IELTS

Terms & Conditions

  1. Account Registration: Users must create an account to access premium services and agree to provide accurate information.
  2. Payment Terms: Payment must be made in full prior to accessing premium services, with fees subject to change.
  3. Refund Policy: Refunds are only issued within a specified timeframe and under certain conditions.
  4. Intellectual Property Rights: All content on the website is protected by copyright and may not be reproduced without permission.
  5. User Conduct: Users agree to abide by all applicable laws and refrain from engaging in unlawful activities on the website.
  6. Limitation of Liability: The website is not liable for any damages or losses resulting from the use of its services.
  7. Termination of Services: The website reserves the right to suspend or terminate services for users who violate terms and conditions.
  8. Modification of Terms: Terms and conditions may be modified at any time, with users notified of changes.
  9. Governing Law: Any disputes arising from the use of the website shall be governed by applicable laws.
  10. Severability: If any provision of the terms is deemed invalid, the remaining provisions shall remain in effect.

Privacy Policy

  1. Information Collection: We collect personal information for account creation and service delivery purposes.
  2. Data Usage: Personal data is used to personalize user experience and improve service quality.
  3. Information Security: We employ industry-standard security measures to protect user data from unauthorized access.
  4. Data Sharing: Personal information is not shared with third parties without user consent, except as required by law.
  5. Cookies: We use cookies to enhance user experience and gather usage statistics.
  6. Marketing Communications: Users may opt-in to receive marketing communications, with the option to unsubscribe at any time.
  7. Data Retention: Personal data is retained only for as long as necessary to fulfill the purposes for which it was collected.
  8. Children’s Privacy: Our services are not intended for users under the age of 18, and we do not knowingly collect personal information from children.
  9. Third-Party Links: Our website may contain links to third-party sites, which have their own privacy policies.
  10. Data Access and Control: Users have the right to access, update, or delete their personal information, subject to certain limitations.
 
 
 
 
 
 

Refund Policy for Gothriwiz.com IELTS Preparation Services:

  1. Eligibility: Refunds are available to customers who have purchased our premium IELTS preparation services on Gothriwiz.com.

  2. Request Deadline: Refund requests must be submitted within 30 days of the initial purchase date.

  3. Valid Reasons: Refunds will only be issued for valid reasons such as dissatisfaction with the service, technical issues preventing access, or other extenuating circumstances.

  4. Verification: Refund requests may require verification of purchase details and reasons for the refund.

  5. Partial Refunds: In some cases, partial refunds may be issued based on the duration of service used and the nature of the complaint.

  6. Processing Time: Refunds will be processed within 7-10 business days from the date of approval.

  7. Payment Method: Refunds will be issued to the original payment method used for the purchase.

  8. Non-Transferable: Refunds are non-transferable and cannot be exchanged for cash or credit.

  9. Cancellation of Services: Refunds may be subject to cancellation of access to our premium services.

  10. Contact Information: For refund requests or inquiries, please contact our customer support team at support@gothriwiz.com.

  11. Coaching Sessions: Refunds for coaching sessions are subject to the cancellation policy and may incur session fees.

  12. Exam Registration Fees: Exam registration fees are non-refundable and cannot be reimbursed under any circumstances.

Refund Policy for Credit Cards and Loans (Third-Party Products) on Gothriwiz.com:

  1. Eligibility: Refunds are available to customers who have accessed and utilized the Credit Card and Loans services provided through third-party apps on Gothriwiz.com.

  2. Terms of Service: Refunds are subject to the terms and conditions outlined by the respective third-party app providers.

  3. Request Deadline: Refund requests must be submitted in accordance with the refund policies specified by the third-party app providers.

  4. Valid Reasons: Refunds will only be considered for valid reasons as determined by the third-party app providers, such as technical issues or failure to deliver promised services.

  5. Verification: Refund requests may require verification of purchase details and reasons for the refund as per the policies of the third-party app providers.

  6. Processing Time: Refunds will be processed by the third-party app providers within their specified timeframe, which may vary.

  7. Payment Method: Refunds will be issued by the third-party app providers to the original payment method used for the purchase, if applicable.

  8. Non-Transferable: Refunds are non-transferable and cannot be exchanged for cash or credit by Gothriwiz.com.

  9. Contact Information: For refund requests or inquiries regarding Credit Cards and Loans services, please contact the respective third-party app providers directly.

  10. Disclaimer: Gothriwiz.com is not responsible for the terms, conditions, or actions of the third-party app providers and does not guarantee refunds for Credit Cards and Loans services provided through third-party apps.