Terms and Conditions for Participation
- Registration and Payment:
1.1. All participants must complete the registration process and submit the participation fee before the workshop commences.
1.2. Payment is non-refundable but transferable to another individual within the same organization or family, subject to prior approval.
1.3. Corporate packages must be fully paid at least seven days before the workshop start date. - Eligibility:
2.1. Individual participants must be 18 years or older.
2.2. Corporate participants must provide details of all attending employees at the time of registration. - Workshop Participation:
3.1. Participants must arrive on time and attend the full duration of the workshop to receive completion certificates.
3.2. The organizers reserve the right to remove disruptive participants without a refund. - Intellectual Property:
4.1. All materials provided during the workshop (including slides, handouts, and digital files) are the property of Shiv Jeevika Ray Capital Ltd. and are protected under copyright laws.
4.2. Participants may not distribute, reproduce, or use the materials for commercial purposes without prior written consent. - Cancellation and Rescheduling:
5.1. Shiv Jeevika Ray Capital Ltd. reserves the right to cancel or reschedule the workshop due to unforeseen circumstances.
5.2. In the event of cancellation, participants will be offered a full refund or an option to transfer their registration to a future session. - Liability:
6.1. Shiv Jeevika Ray Capital Ltd. is not responsible for any loss, injury, or damage to personal property during the workshop.
6.2. Financial strategies discussed during the workshop are for informational purposes and should not be construed as personalized financial advice. Participants are encouraged to consult with a financial advisor for tailored guidance. - Confidentiality:
7.1. All personal information collected during registration and the workshop will be handled in accordance with Shiv Jeevika Ray Capital Ltd.’s Privacy Policy.
7.2. Participants are prohibited from sharing the contact information of other attendees without consent. - Media Release:
8.1. By attending the workshop, participants consent to being photographed or recorded for promotional purposes unless explicitly opting out in writing prior to the event. - Post-Workshop Services:
9.1. Yearly renewal subscriptions are optional and provide additional services as outlined inthe workshop brochure.
9.2. Renewal fees are subject to annual revision with prior notice to subscribers.- Governing Law:
10.1. These terms and conditions are governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of courts in [Bokaro Steel City].
By registering for the Financial Growth Masterclass, participants acknowledge and agree to abide by these terms and conditions.
Terms and Conditions for Dhan Sutra Plan
- Membership Requirement:
1.1. The Dhan Sutra Plan is available exclusively to members/shareholders of Shiv Jeevika Ray Capital Ltd.
1.2. Membership requires the purchase of nominal shares or signing a membership agreement with the company. - Investment Parameters:
2.1. Minimum investment: ₹10,000.
2.2. Maximum investment: ₹10,00,000 per financial year per member.
2.3. Investments must be made under a formal agreement specifying tenure, principal amount, and applicable interest rate. - Tenure and Interest Rates:
3.1. The plan offers tenures of 3, 5, and 7 years, with annual compounding interest rates as follows:
- 3 years: 7.55%
- 5 years: 7.75%
- 10 years: 8.00%
3.2. Interest rates are fixed at the time of investment and remain unchanged throughout the tenure.
- Returns and Payouts:
4.1. All investments grow through annual compounding, and the maturity amount (principal + compounded returns) is paid as a lump sum at the end of the tenure.
4.2. Early withdrawal requests are subject to a 2% penalty on the principal amount. - Legal and Compliance Framework:
5.1. Funds raised under this plan are classified as debentures, preference shares, or unsecured loans, exempt from public deposit definitions under RBI norms.
5.2. The plan does not fall under SEBI’s Collective Investment Scheme regulations, as it is restricted to members/shareholders.
5.3. All transactions and agreements comply with the Companies Act, 2013, and the Companies (Acceptance of Deposits) Rules, 2014. - Documentation and Transparency:
6.1. Participants will receive detailed documentation, including:- Membership agreements
- Investment agreements outlining returns, tenure, and terms
6.2. Regular updates will be provided regarding investment performance and any relevant company developments.
- Risk Factors:
7.1. Returns are subject to the performance of Shiv Jeevika Ray Capital Ltd. and overall market stability.
7.2. While investments are diversified to mitigate risks, they are not guaranteed or insured. - Premature Withdrawal:
8.1. Premature withdrawals are not encouraged but may be permitted under exceptional circumstances, subject to a 2% penalty on the principal amount.
8.2. Early withdrawal requests must be submitted in writing and are subject to management approval. - Confidentiality and Data Protection:
9.1. All personal and financial information provided by members will be handled in compliance with Shiv Jeevika Ray Capital Ltd.’s privacy policies.
9.2. Members’ data will not be shared with third parties without explicit consent, except as required by law. - Dispute Resolution:
10.1. Any disputes arising from the Dhan Sutra Plan will be governed by the laws of India.
10.2. Disputes will be resolved through arbitration as per the Arbitration and Conciliation Act, 1996, with proceedings held in [Bokaro Steel City]. - Amendments:
11.1. Shiv Jeevika Ray Capital Ltd. reserves the right to amend the terms and conditions of the Dhan Sutra Plan, provided prior notice is given to members.
11.2. Changes will not affect existing investments retroactively.
By participating in the Dhan Sutra Plan, members agree to adhere to these terms and conditions and acknowledge the associated risks and obligations.
- Governing Law: