1. Acceptance of Terms : Users must agree to these terms and conditions to access and use the services provided by the website. By subscribing www.sikinxa.com, you indicate your acceptance of these terms.
2. Eligibility : Users must be at least 18 years of age to subscribe to our services. Minors require parental consent.
3. Subscription Fees : Users agree to pay the annual subscription fee as specified on the website. Fees are non-refundable unless otherwise stated.
4. Payment : Payment for subscriptions must be made through the website's designated payment gateway. We do not store any payment/banking information of users.
5. Auto-Renewal : Subscriptions are automatically renewed at the end of each annual cycle, after yearly renewal fee and users are responsible for canceling their subscriptions if they no longer wish to use our services.
6. Cancellation : Users can cancel their subscriptions at any time, but no refunds will be provided for the remaining subscription period.
7. Content Usage : Users may access and use the educational and financial consulting content provided solely for personal, non-commercial use and only for reference.
8. Intellectual : Property All website content, including text, graphics, and logos, is protected by intellectual property laws and may not be reproduced without our consent.
9. Privacy : User information will be handled in accordance with our Privacy Policy. We may collect and use data for service improvement and communication.
10. Disclaimers : The website provides educational and informational content, but we do not guarantee the accuracy or completeness of the information. Consult with a financial professional for specific advice.
11. Limited Liability : We are not liable for any direct or indirect damages resulting from the use of our services or the content provided on the website.
12. Termination : We reserve the right to terminate user accounts and subscriptions for violations of these terms or any other reason deemed appropriate.
13. Third-Party Links : The website may contain links to third-party websites for additional resources. We are not responsible for the content or policies of these external sites.
14. Changes to Terms : We may modify these terms and conditions at any time, and users will be notified of such changes via email or on the website.
15. Governing Law : These terms and conditions are governed by the laws of Judiciary of Nepal, Any disputes will be resolved in the courts of legal procedure of Government of Nepal
16. User Responsibilities : Users must maintain the confidentiality of their login credentials and are responsible for all activities on their account.
17. Prohibited Activities : Users are prohibited from engaging in any unlawful, fraudulent, or harmful activities on the website.
18. Support and Contact : Users can reach out to our customer support for assistance with technical issues or inquiries related to their subscription.
19. Indemnification : Users agree to indemnify and hold the website harmless from any claims, losses, or damages arising from their use of our services.
20. Service usages : Users agree to take reference from our service and perform the financial action on their own. For any sort of profit, losses, damages Sikinchha Academy will not be liable or claimable, user him/herself is responsible for his/her financial action.
21. Entire Agreement : These terms and conditions, along with the Privacy Policy, constitute the entire agreement between users and the website regarding their subscription and use of services.

NO GUARANTEES NOTE: You agree that the Company has not made any guarantees about the results of taking any action, whether recommended on this Website or not. The Company provides educational and informational resources that are intended to help users of this website succeed in life, business, and otherwise. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Company. You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of the Company or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results. Make sure to consult with a legal professional to ensure these terms align with local regulations and meet your specific needs.