Terms of Service

1. Acceptance of Terms

By accessing or using the website at sharaninitiatives.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to all visitors and users of the Site. If you do not agree with any part of these Terms, you must not use the Site.

These Terms constitute a legally binding agreement between you and Sharan Initiatives, based in Bangalore, India. We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Continued use of the Site after changes are posted means you accept the updated Terms.

2. About the Site

Sharan Initiatives operates this website to share information about our products, initiatives, and blog content. The Site currently features information about our BudgetCycle Android application and a blog covering topics related to personal finance, productivity, and related subjects.

The Site does not currently offer user accounts, e-commerce transactions, or any subscription services directly through the website. Our products (such as BudgetCycle) are separate services with their own terms and policies, which you can find under the Policies section.

3. Informational Purpose Only — Not Professional Advice

Content on this Site does not constitute and should not be relied upon as:

• Professional financial advice, investment advice, or tax advice
• Medical, health, or psychological advice
• Legal advice of any kind
• Any other form of professional consultation

If you need professional advice — whether financial, legal, medical, or otherwise — please consult a qualified professional licensed in your jurisdiction. The information on this Site may not be accurate, complete, or current, and individual circumstances vary widely. Sharan Initiatives is not responsible for decisions you make based on content found here.

4. Intellectual Property

All content on this Site — including but not limited to text, articles, blog posts, images, graphics, logos, icons, software code, and the overall design and layout — is owned by or licensed to Sharan Initiatives and is protected by applicable intellectual property laws, including copyright law under the Indian Copyright Act, 1957, and international conventions.

You are permitted to:

• View and read content on the Site for your personal, non-commercial use
• Share links to our pages on social media or other platforms
• Quote brief excerpts from our blog posts, provided you clearly attribute the content to Sharan Initiatives and link back to the original page

You are NOT permitted to:

• Copy, reproduce, or republish our content in full on another website or platform without our written permission
• Use our logo, brand name, or trademarks in any way that might suggest endorsement or affiliation without our consent
• Sell, license, or commercially exploit any content from this Site
• Modify, create derivative works from, or reverse-engineer any part of the Site
• Systematically scrape or download content from the Site using automated tools

If you are interested in reproducing or licensing our content, please contact us at support@sharaninitiatives.com and we will be happy to discuss it.

5. Prohibited Uses

When using this Site, you agree that you will not:

• Violate any law: Use the Site for any purpose that is unlawful under Indian law or the laws of your jurisdiction, or to facilitate any illegal activity.
• Cause harm: Attempt to harm, disrupt, or gain unauthorised access to our servers, networks, or systems, including through hacking, phishing, denial-of-service attacks, or introducing malicious code such as viruses or malware.
• Impersonate: Impersonate Sharan Initiatives, our team, or any other person or entity, or falsely claim an affiliation with us.
• Spam or scrape: Send unsolicited communications, automated requests, or use bots or scrapers to collect data from the Site at a rate that burdens our infrastructure.
• Interfere: Take any action that could disable, overburden, or impair the proper functioning of the Site or interfere with other users' access to it.
• Bypass security: Attempt to circumvent any security feature, access restriction, or content protection mechanism on the Site.
• Infringe rights: Post, transmit, or distribute content that infringes the copyright, trademark, or other intellectual property rights of any third party.

We reserve the right to block access to the Site from any user or IP address that we believe is engaging in prohibited activity.

6. Third-Party Links and Content

Our Site — particularly our blog — contains links to third-party websites, resources, and services. These links are provided for convenience and informational value. Sharan Initiatives does not endorse and has no control over the content, privacy practices, or terms of any third-party site. Clicking on third-party links is at your own risk. We recommend reading the privacy policy and terms of any external site before providing personal information or making any transaction.

Advertisements displayed on our Site are served by Google AdSense. The appearance of an advertisement does not constitute our endorsement of the advertised product or service.

7. Disclaimer of Warranties

The Site and all content within it are provided on an "as is" and "as available" basis, without any representations or warranties of any kind, whether express or implied.

To the fullest extent permitted by applicable law, Sharan Initiatives expressly disclaims all warranties, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties as to the accuracy, completeness, reliability, or timeliness of any content on the Site
• Warranties that any defects in the Site will be corrected

You use the Site entirely at your own risk. We make no guarantee that the Site will meet your expectations or requirements.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Sharan Initiatives, its owner, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site or its content.

This includes, without limitation, damages for:

• Loss of profits, revenue, data, or business opportunities
• Financial decisions made in reliance on content published on the Site
• Errors or omissions in the content
• Interruptions or unavailability of the Site
• Any harm resulting from third-party content linked to from the Site

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability is limited to the greatest extent permitted by law. In no event shall our total aggregate liability to you exceed the amount of INR 1,000 (one thousand Indian rupees).

9. Indemnification

You agree to indemnify, defend, and hold harmless Sharan Initiatives and its owner, contributors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of any third party.

10. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-law provisions. The Information Technology Act, 2000 (as amended) and other applicable Indian statutes apply to the use of this website.

Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in Bangalore, Karnataka, India. You consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in Bangalore.

We encourage you to contact us first at support@sharaninitiatives.com if you have any issue — most concerns can be resolved quickly and informally.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data practices described in that policy.

12. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and any other policies linked from this Site, constitute the entire agreement between you and Sharan Initiatives with respect to your use of the Site and supersede all prior agreements, understandings, and representations relating to the same subject matter.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes become effective immediately upon being posted to the Site. It is your responsibility to review these Terms periodically. If you continue to use the Site after changes are posted, you are deemed to have accepted the updated Terms.