Terms and Conditions

These Terms and Conditions form a contract between you ("the buyer") and BizCircle Club ("we", "us", "our"). By buying, downloading or using a product from us, or by using our website, you agree to these terms. Please read them before you buy.

1. Our Business

BizCircle Club is a business based in India that creates and sells digital products to buyers worldwide. Our contact details are in section 27.

2. Products and Descriptions

We sell digital products and related services. Each product's sales page and marketplace listing describes what is included, the file format, how it is accessed, the language and any system requirements (such as a modern web browser). No physical item is shipped. We aim to describe every product accurately, and a product is "as described" if it matches that listing.

3. Eligibility

You must be at least 18 years old, or the age of majority in your country, to buy our products. Our products are not directed at children, and we do not knowingly collect personal information from anyone under 18. If you buy for a company, you confirm that you have authority to bind that company to these terms.

4. Pricing, Payment and Taxes

• The price and currency are shown at checkout. Your bank may charge currency conversion or cross-border fees.
• Payment is processed through the marketplace checkout and its payment providers. We do not receive or store your card or payment details.
• Prices may include or exclude sales tax, VAT, GST or similar taxes depending on your location and the marketplace's rules. Where tax applies to your purchase, it is shown at checkout or on your receipt. Where the marketplace collects and pays tax as the seller of record, that is handled under the marketplace's terms. You are responsible for any other tax, duty or charge that applies in your country, including any tax you must self-assess.
• Products are sold to buyers worldwide. You are responsible for making sure your purchase and use are lawful in your country. We may refuse or cancel an order where the law or the rules of our marketplace or payment providers require it, or where we reasonably suspect fraud. If we cancel an order, we will refund you.

5. Delivery and Access

Products are delivered digitally, as a download or an access link, after your payment is confirmed. Delivery is normally immediate or within a short time after payment. You are responsible for giving a correct email address and for keeping your download links, login details and access details private and secure. Access is for you only (or your company, if you bought for a company). If you cannot access your product, contact us (see section 11) and we will help you get access.

6. License and Intellectual Property

• Each product is sold under the license named on its sales page. Unless stated otherwise, you receive a non-exclusive, non-transferable, non-sublicensable Personal Use License for the original purchaser.
• You may use the product on devices you own or control, for your own business or personal use.
• If a Reseller Rights license is sold separately, its terms apply only to buyers who purchased that license.
• We own, or are licensed to use, all intellectual property in our products and website content, including text, designs, logos and software. Buying a product does not transfer ownership.
• If you believe content on our website or in our products infringes your rights, contact us through our contact page with enough detail to identify the content and your claim, and we will review it promptly.

7. Usage Restrictions and Acceptable Use

Unless your license says otherwise, you may not resell, redistribute, sublicense, share or give away a product or its files; modify, rebrand or present a product as your own work; copy or reverse engineer a product's protections; upload a product to file-sharing or pirate websites; use a product, in whole or in part, to build or train a competing product or dataset for resale; or use a product for any unlawful purpose.

When you use our products or website, you also agree not to:

• share, sell or post your download links, login details or access details, or let others use them;
• bypass, disable or interfere with any access control, security feature or licence check;
• use bots, scrapers or automated tools to bulk download our products or content;
• use a product to send spam, spread malware, commit fraud, infringe the rights of others or break any law;
• pretend to be another person or business, or give false information to us or a platform; or
• abuse refunds or chargebacks, for example by claiming a refund or payment dispute for a product you have used and keep using.

If you break these rules, we may suspend or end your license and access as set out in section 21, subject to your statutory rights.

8. Refunds, Cancellations and Faulty Products

• We do not have one fixed refund policy. Refund terms differ for each product and service, and are stated on its sales page, checkout page or marketplace listing at the time of purchase. Some are refundable for a set period, and some are not refundable. If a listing does not state any refund terms, the refund policy of the platform where you bought it applies. Where a platform's own rules give you a longer or better refund right, those rules apply. Our full Refund Policy gives the details.
• Refunds are requested from the platform or marketplace where you bought the product (for example ClickBank, JVZoo or Gumroad), through that platform's support or refund process, within the refund period. Your receipt or order confirmation shows which platform you bought from. Include your order or receipt details.
• If a product is faulty, cannot be accessed or is not as described, tell us through our contact page and we will fix the problem. If we cannot, you can request a refund from the platform where you bought it.
• The platform's own refund policy also applies to your request. We approve valid refund requests made within our refund period, and the platform processes the refund.
• Approved refunds are returned to the original payment method through the marketplace. Processing time depends on the payment provider and is usually within 5 to 10 business days of approval, and in any case within the time required by the law that applies to you.
• After a refund, your license ends and you must delete all copies of the product.
• Requests made after the refund period stated for the product or service may not be accepted.
• This policy applies in addition to your statutory rights described in section 9. Where your statutory rights are more favourable to you, they apply instead.

9. Statutory Consumer Rights and Right of Withdrawal

We sell to buyers in many countries, and consumer laws differ from country to country. Where the law of your country gives you consumer rights that cannot be removed by contract, those rights apply and nothing in these terms limits them. This section applies only to buyers who are consumers, meaning individuals buying for personal use outside their trade or profession.

Right to withdraw (EU, EEA, UK and similar countries). If you live in a country that gives consumers a right to cancel a distance purchase, you may have the right to withdraw from your purchase within 14 days without giving a reason. For digital content supplied by download or access, this right ends once delivery begins, but only if all of the following are true: you gave your prior express consent to immediate delivery, you acknowledged that you would lose your right of withdrawal, and we or the marketplace confirmed this to you on a durable medium such as an email. We ask for this consent and acknowledgement before purchase where we control the checkout, and the marketplace's checkout terms also apply. If these conditions were not met, your right to withdraw continues for the full period.

How to withdraw. Where a right of withdrawal applies, you can use the withdrawal function shown at checkout or on your order page where one is provided. This works in two steps: first you submit your withdrawal statement, then you confirm it. If no withdrawal function is shown, send your withdrawal request to the platform where you bought the product, stating clearly that you withdraw and giving your order or receipt details. The refund is made without undue delay and no later than 14 days after the withdrawal is received, using the same payment method you used to pay.

Faulty digital products. Under laws such as the EU Digital Content Directive, the UK Consumer Rights Act 2015, the Australian Consumer Law and similar laws elsewhere, digital content must match its description, work as it should and be fit for its intended use. If it does not, you may be entitled to have it repaired or replaced, a price reduction or a refund. Australian and New Zealand consumers have consumer guarantees under their local law that cannot be excluded. Indian buyers have rights under the Consumer Protection Act, 2019.

Any refund terms stated for a product or service (section 8) apply in addition to your statutory rights, and using them does not reduce them. Products and services sold as non-refundable are still covered by your statutory rights, including for faulty or misdescribed products.

10. Digital Files, Data and Updates

Some products, such as tools and templates, may store information locally on your device or in your browser. We do not receive this information. You are responsible for keeping your own copy of downloaded files and for exporting regular backups of any data you create. We cannot recover files or data that are lost, deleted, cleared or damaged on your device. The product you buy is the version you purchased. We may release updates, fixes or new versions but are not obliged to unless the sales page says so. Where the law of your country requires us to provide updates needed to keep a digital product in conformity, we will do so.

11. Support and Grievance Redressal

Support is provided through our contact page. We aim to reply within 2 business days. Support covers access and use of the product as described. It does not cover custom work or personal business consulting.

To make a complaint, write to us through our contact page. We acknowledge complaints within 48 hours of receipt and aim to resolve them within one month of receipt.

If you are not satisfied with our response, you may also contact the consumer authority or dispute resolution body in your country. EU consumers may also use the European Commission's online dispute resolution resources where available. Indian consumers may contact the National Consumer Helpline.

12. No Income or Results Guarantee

Our products are tools and training materials. We do not promise or guarantee any income, profit, sales or results. Any example, number or scenario is for illustration only. Our products are not legal, tax, financial or other professional advice. Your results depend on your own effort, skills, market conditions and decisions. Please also read our Disclaimer.

13. Website Use

You agree to use our website lawfully. You must not attempt to gain unauthorised access to it, introduce malware, scrape or copy its content in bulk, or interfere with its operation or its security. Our website may link to third-party websites, which we do not control and are not responsible for. We try to keep website information accurate and up to date but do not guarantee that it is complete or error-free.

14. Disclaimer of Warranties

To the fullest extent allowed by law, products and website content are provided "as is" and "as available". We do not guarantee that a product will be uninterrupted, error-free or suitable for your particular purpose. Nothing in these terms removes any guarantee or right that the law of your country says cannot be excluded, including the rights in section 9.

15. Limitation of Liability

To the fullest extent allowed by law, BizCircle Club is not liable for any indirect, incidental, special or consequential loss, including lost profit, lost data or loss of business. Our total liability for any claim is limited to the amount you paid for the product. Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, wilful misconduct, or any other liability that cannot be limited or excluded by law.

16. Privacy and Data Protection

We only use the information you give at purchase to deliver the product, provide support, handle refunds and complaints, prevent fraud, and meet legal, tax and accounting obligations. We do not sell your personal information. We handle personal information in line with the data protection laws that apply to us, which may include India's Digital Personal Data Protection Act, 2023 and its Rules, 2025 as they come into force in phases, the EU and UK GDPR, the California Consumer Privacy Act as amended, and other data protection laws that apply where you live.

• Your rights. Depending on where you live, you may have the right to access, correct, update, delete or export your personal information, to object to or restrict certain use, to withdraw consent where we rely on it, to nominate another person to exercise your rights, and to complain to your local data protection authority. To make a request, use our contact page. We aim to respond within 30 days.
• International transfers. We are based in India, and our marketplace and payment providers may process data in other countries. Where the law requires, we rely on appropriate safeguards for these transfers.
• Retention. We keep personal information only as long as needed for these purposes or as the law requires, such as tax and accounting records.
• Security. We use reasonable safeguards to protect personal information, but no online system is completely secure.

For full details, read our Privacy Policy.

17. Third-Party Platforms and Marketplaces

We sell our products through trusted third-party platforms and marketplaces, such as ClickBank, JVZoo, Gumroad and others. The platform you buy from handles your checkout and payment, and depending on the platform it may act as the seller of record or retailer, issue your receipt and handle taxes, billing and refunds.

• Their terms also apply. Each platform has its own terms, privacy policy and refund policy, which you accept at checkout. These terms apply in addition to them. If there is a conflict about payment, billing, taxes or refund process, the platform's checkout terms apply to that point. For everything else, including your license and how you may use the product, these terms apply. Nothing in either set of terms reduces your statutory consumer rights.
• Billing questions. For questions about a charge on your statement, your receipt, or a payment problem, you can contact the platform's support as well as us. Your receipt or order confirmation shows which platform processed your purchase.
• Your data. The platform collects and uses your payment and order details under its own privacy policy. We receive only the information needed to deliver your product and support you, as described in section 16.
• Responsibility. We are not responsible for the platforms' own services, outages or policies, but we will help you resolve any problem with a purchase of our product.
• Affiliates. Our products may also be promoted and sold by independent affiliates through affiliate links. Affiliates are not our employees or agents and cannot change these terms, a product's description, price, license or refund terms, or make promises on our behalf. These terms, the product's sales page and our Refund Policy apply to your purchase whoever's link you used. See our Disclaimer for our affiliate disclosure.
• No affiliation. Our products and website are not affiliated with, endorsed by or sponsored by ClickBank, JVZoo, Gumroad, Google, Meta, Facebook, Instagram or any other platform mentioned. Platform names are used only to show where our products are sold. All trademarks belong to their respective owners.

18. Sanctions, Export and Lawful Use

You confirm that you are not barred from receiving our products under the laws of India or any other law that applies to the sale, such as trade sanctions or export rules, and that you will not use our products in breach of those laws. We may refuse service where the law requires it.

19. Chargebacks and Payment Disputes

If you have a problem with a purchase, please contact us first so we can fix it, or request a refund from the platform where you bought the product. If you start a chargeback or payment dispute for a purchase that was delivered as described, we may provide the marketplace and payment providers with the order and delivery records needed to respond, and we may end your access to that product while the dispute is open.

20. Notices and Electronic Communication

By buying from us, you agree that we may send you service messages by email, such as receipts, access details, refund confirmations and notices about these terms. We send marketing emails only where the law allows and you can unsubscribe at any time. You can send notices to us through our contact page.

21. Account Security, Suspension and Termination

You are responsible for keeping your access details, download links and any login secure, and for activity carried out using them. Tell us promptly through our contact page if you think they have been lost, stolen or misused.

We may suspend or end your access to a product, with notice where reasonably possible, if you materially break these terms, if we reasonably suspect fraud, piracy, link sharing or chargeback abuse, or if the law or a platform or payment provider requires it. Where we end access because of a problem on our side, or where the law requires, we will refund you. When your license ends, you must stop using the product and delete your copies. Sections that by their nature should continue after termination, such as those on intellectual property, restrictions, disclaimers, limits on liability and governing law, continue to apply.

22. Business Buyers and Indemnity

If you buy for a business, you agree to compensate us for losses, damages and reasonable costs arising from claims by third parties that result from your use of a product in breach of these terms or the law. This section does not apply to consumers, and it does not apply where the law of your country does not allow it.

23. Security Reports and Feedback

If you find a security problem on our website or in a product, please report it privately through our contact page and give us reasonable time to fix it before sharing it publicly. Do not access other people's data, disrupt our services or run attacks while looking for problems. If you send us ideas, comments or suggestions, we may use them to improve our products and website without payment or obligation to you, but this does not give us any right to your personal information.

24. Changes to These Terms

We may update these terms from time to time and will change the "Last updated" date when we do. The version shown at the time of your purchase applies to that purchase. For changes that materially affect your rights, we will give reasonable notice where the law requires it.

25. Governing Law and Disputes

These terms are governed by the laws of India. Any dispute will be handled in the courts of India, unless the mandatory consumer law of your country gives you the right to bring a claim in your local courts or apply your local law, in which case that right is not affected. Please contact us first so we can try to resolve the issue directly.

26. General

These terms, together with the license and refund details on the product page, are the whole agreement between you and us about your purchase. If any part is found unenforceable, the rest remains in effect. If we do not enforce a right, we have not given it up. We may change, update or stop offering a product or part of our website, and we will honour any refund or guarantee you are entitled to. You may not transfer your rights under these terms without our written consent, but we may transfer ours as part of a sale or reorganisation of our business. We are not liable for delay or failure caused by events beyond our reasonable control, such as internet or platform outages, power failures, natural disasters or government action. These terms are written in English, and any translation is for convenience only.

27. Contact Us

Contact page: https://www.bizcircle.club/p/talk.html
Website: https://www.bizcircle.club/