These Terms and Conditions (“Terms”) form a legally binding agreement between you (“you”, “user”) and TheWealthBuddy (“TheWealthBuddy”, “we”, “us” or “our”), operating from the registered office of Megha Bhansali Classes, Jaipur, Rajasthan, India.
1. Acceptance of Terms
By accessing thewealthbuddy.org, registering for any webinar, creating a BillBuddy account, downloading content, completing any payment, or using any other service we offer, you confirm that you have read, understood and agree to be bound by these Terms together with our Privacy Policy and Refund Policy, all of which form an integral part of this agreement.
If you are accessing the services on behalf of a firm, company or other entity, you represent and warrant that you have full authority to bind that entity to these Terms, and the term “you” refers to both you personally and to that entity.
If you do not agree to any part of these Terms, you must immediately discontinue use of the services. Your continued use is conclusive evidence of your acceptance.
2. About TheWealthBuddy & the services
TheWealthBuddy provides:
- Educational webinars and courses on accounting, finance and the use of AI tools.
- BillBuddy, a software-as-a-service application that uses AI to extract, classify and process accounting documents and produce Tally-ready outputs.
- Related content, downloadable resources, newsletters and community access.
We may, at our sole discretion and without prior notice or liability, modify, suspend, restrict or discontinue any part or all of the services, including features, pricing tiers, content, branding and availability, at any time. Such changes will not give rise to any claim, refund obligation or other liability on our part except as expressly stated in our Refund Policy.
3. Eligibility
You may use the services only if:
- You are at least 18 years of age, or where you are between the ages of 16 and 18 attending an educational webinar, you have the verifiable consent of a parent or lawful guardian.
- You have the legal capacity to enter into a binding contract under Indian law and have not been previously suspended or removed from the services.
- You are not located in, under the control of, or a national or resident of any country to which India or any other applicable authority restricts the export of services.
- You are accessing the services from a country where doing so does not violate any applicable law.
You represent and warrant that all information you provide is true, accurate, current and complete. We may, at our sole discretion, verify your information at any time and may suspend or terminate your access if any information is found to be inaccurate, misleading or false.
4. Account registration & security
Where the services require an account, you agree:
- To provide accurate, current and complete information when registering and to keep that information updated.
- To keep your login credentials strictly confidential and to take all reasonable steps to prevent unauthorised access.
- You are solely and fully responsible for all activity that occurs under your account, whether or not authorised by you, and we shall not be liable for any loss or damage arising from unauthorised use of your account.
- To notify us at contact@thewealthbuddy.org immediately upon discovering any unauthorised access or security breach.
- That you may not have more than one account, share an account, or transfer an account without our prior written consent.
We may refuse, suspend or terminate any account at our sole discretion, including (without limitation) where the account has been inactive, where we suspect fraudulent or abusive use, or where required to do so by law.
5. Acceptable use & prohibited conduct
You agree NOT to do any of the following, and you acknowledge that any breach is a material breach of these Terms entitling us to immediately terminate your access without notice or refund:
- Use the services for any unlawful purpose or in violation of any Indian or foreign law, regulation, judgement or order.
- Upload, transmit or distribute viruses, malware, ransomware, worms, trojans or any code designed to disrupt, damage or gain unauthorised access to any system.
- Reverse-engineer, decompile, disassemble, scrape, extract, copy, modify, translate or create derivative works of any part of our services, content, code, models, prompts, data or interfaces.
- Use any automated system (bots, scripts, scrapers, crawlers, AI agents) to access, interact with or extract data from the services, except as expressly authorised in writing by us.
- Resell, sublicense, rent, lease, white-label or otherwise commercially exploit access to the services.
- Bypass, attempt to bypass, or assist others in bypassing any security, authentication, rate-limiting, usage-quota or content-filter mechanism.
- Upload content that you do not have full legal right to upload, that is defamatory, obscene, infringing, fraudulent, deceptive, or that violates any third party’s privacy, intellectual property, contractual or other rights.
- Impersonate any person or entity, misrepresent your identity, professional qualifications, or affiliation.
- Record (audio, video, screen capture or otherwise), redistribute, livestream, publicly display, publish, screenshot for distribution, or otherwise reproduce any webinar content, course material or BillBuddy interface, except as expressly permitted in writing.
- Use the services in a way that adversely affects performance, availability or security of the services or other users.
- Engage in any form of harassment, hate speech, abusive language or threatening behaviour toward our staff, faculty, instructors, support representatives or other users.
- Use the services to compete with TheWealthBuddy, train AI models, build a competing product, or for benchmarking purposes.
6. Webinars (free & paid)
6.1 Free webinars
From time to time, we offer free educational webinars (such as the AI + Accounting Masterclass on 10 May 2026). Free webinars are provided as a courtesy and on an “as-is” basis. Registration creates no enforceable contract for delivery. We may cancel, reschedule, change format, change speakers, change duration or modify the content of a free webinar at any time without notice or liability. Where we cancel a free webinar, our sole obligation, if any, is to inform registrants by email or to provide an alternative recording at our discretion.
6.2 Paid webinars and courses
Paid webinars and courses are offered at the prices listed on the relevant registration page. By making payment, you irrevocably accept these Terms and our Refund Policy, including the strict no-refund provisions stated therein.
Recording access: for each paid webinar or course, registered attendees receive access to the recording for a period of two (2) calendar months from the date the live session is conducted. Recording access is the sole and exclusive remedy available to a registered attendee in lieu of any refund. Recording access is a personal, non-transferable, non-sub-licensable, revocable licence; you may not download, screen-record, share, redistribute or republish the recording in any form, and any such action will result in immediate termination of access without refund and may give rise to a claim for damages.
The 2-month period begins on the date of the live session, not the date the recording is made available. Extensions are not granted under any circumstances. Failure to access the recording within the window does not entitle you to any refund, credit or extension.
6.3 Conduct during sessions
You agree to behave respectfully during webinars. We reserve the absolute right, exercisable in our sole discretion, to remove any participant from a session for any reason, including disruption, inappropriate behaviour, breach of these Terms, or no reason at all, with no refund or compensation owed.
6.4 Educational content; not professional advice
All webinar, course and content material is provided for general educational and informational purposes only. Nothing constitutes legal, tax, accounting, investment, financial or other professional advice. You must obtain independent advice from a duly qualified professional before relying on any information for any actual business decision, statutory filing, financial transaction, audit, return or investment. We accept no responsibility for any outcome arising from your reliance on the content.
7. BillBuddy application terms
7.1 Licence
Subject to your continuing compliance with these Terms and your payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sub-licensable, revocable licence to use the BillBuddy application during the active subscription period for your own internal business purposes only. All rights not expressly granted are reserved by us.
7.2 Subscription, free trial & auto-renewal
- BillBuddy may be offered with a free trial. Trial features and duration are at our sole discretion and may change without notice.
- Where subscriptions auto-renew, this will be clearly stated at checkout. Auto-renewal is at the then-current price; you can disable it from your account settings.
- You are solely responsible for managing your subscription, including timely cancellation. We are not liable for charges incurred because you failed to cancel before a renewal date.
7.3 Customer data & client confidentiality
- You retain ownership of all data you upload (subject to the licence in section 11).
- If you are a CA firm or accounting professional uploading data on behalf of clients, you represent and warrant that you have all necessary consents from those clients and you assume the role of Data Fiduciary for that data. You shall indemnify us against any claim arising from a lack of such consent.
- You are solely responsible for ensuring that uploads do not violate any duty of confidentiality, NDA, professional ethics rule (including ICAI guidelines) or contract.
7.4 Service levels & downtime
The services are provided without any service level commitment. We do not warrant uninterrupted access. Scheduled maintenance, third-party platform outages, network issues, force-majeure events and any other cause of downtime do not give rise to any refund, credit or claim. We expressly disclaim all liability for any loss arising from downtime or unavailability.
7.5 Pricing changes
We may revise pricing at any time. New pricing applies to all new purchases and to subscription renewals. Where pricing changes affect an active subscription, we will provide reasonable notice via email. Continued use of the service after the effective date constitutes acceptance of the new pricing.
8. Payments, pricing & taxes
- All prices are in Indian Rupees (INR) unless otherwise stated and are exclusive of applicable taxes (including GST), unless explicitly stated as “inclusive”.
- Payment is processed by third-party PCI-DSS compliant payment gateways. We do not store full card numbers.
- If a payment fails, is reversed, charged back or cannot be settled, we may immediately suspend or terminate your access to all paid services without notice.
- Payment-gateway fees, currency-conversion charges, and any taxes that become payable as a result of your transaction are your responsibility.
- Invoices are issued electronically. You waive any objection based on the absence of a physical invoice.
9. Cancellation & refunds
Refunds are governed by our Refund Policy, which forms part of these Terms. In summary, except as expressly stated in that policy:
- Free webinars: no payment, no refund.
- Paid webinars and courses: no refunds under any circumstance. Recording access for 2 months from the live session date is the sole and exclusive remedy.
- BillBuddy subscriptions: may be cancelled at any time; cancellation takes effect at the end of the current billing period; no pro-rata or partial-period refunds.
If you make payment, you waive any right to a refund except as expressly stated in the Refund Policy. Subjective dissatisfaction with content, format, faculty, depth, perceived value or any other matter does not qualify for a refund.
10. Intellectual property
All content available on or through thewealthbuddy.org and the BillBuddy application — including but not limited to text, graphics, logos, icons, images, audio, video, software, source code, course materials, downloadable PDFs, AI prompts, models, methodologies, the “TheWealthBuddy” and “BillBuddy” trademarks and trade dress — is owned by TheWealthBuddy or its licensors and is protected by Indian and international copyright, trademark, patent, design and other intellectual property laws.
Except as expressly permitted in these Terms, you may not copy, reproduce, distribute, publish, display, perform, modify, create derivative works from, transmit, sell, license or in any way exploit any of our content, in whole or in part, without our prior express written consent. We will enforce our intellectual property rights to the fullest extent permitted by law and will seek all available remedies, including injunctive relief and damages.
11. Your content & licence to us
Any documents, files, comments, feedback, ideas, suggestions, testimonials or other content you submit to or share through our services (“User Content”) remains your property as between us, subject to the licences below.
By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, transferable, sub-licensable licence to host, store, reproduce, modify, distribute and display the User Content for the purpose of providing the services to you.
In addition, you grant us a perpetual, irrevocable, royalty-free, sub-licensable, transferable licence to use any de-identified, aggregated or statistical data derived from your User Content for any purpose, including improving our services and developing new products, without any obligation to compensate you. We do not use your raw, identifiable financial documents to train foundation AI models.
For any feedback, ideas or suggestions you provide (collectively, “Feedback”): you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use the Feedback for any purpose without any obligation to you, including incorporating it into the services with no attribution or compensation.
You represent and warrant that you have all rights necessary to grant the above licences and that the User Content does not infringe any third-party right.
12. AI outputs & professional disclaimer
- AI outputs (extracted fields, classifications, reconciliation suggestions, GST mismatch flags, narrations, voucher mappings, payroll computations, TDS computations and any other AI-generated output) may contain errors, omissions, hallucinations or inaccuracies, including in accounting amounts, dates, vendor names, GSTINs and tax classifications.
- You are solely responsible for verifying every AI output against the source document and against applicable law before relying on it for any accounting, tax, audit, financial, regulatory or business decision.
- We make no warranty, express or implied, regarding the accuracy, completeness, fitness or reliability of any AI output.
- We accept no liability whatsoever for any tax penalty, interest, audit qualification, regulatory action, statutory non-compliance, business decision, financial loss, reputational harm or any ot