Privacy Policy,Terms & Conditions

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Effective Date: [1st feb 2026]

Last Updated: [21st feb 2026 ]

[GRAMS education] (“we,” “our,” or “us”) is committed to protecting the privacy of our students, parents, visitors, and partners. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [https://gramseducation.info/] and use our educational services.

• We may collect the following types of information:

• Full name
• Email address
• Phone number
• Mailing address
• Date of birth
• Academic history
• Parent/guardian information (if applicable)
• Payment details

• Browser type
• IP address
• Device information
• Pages visited
• Date and time of visit

We use cookies and similar tracking technologies to improve website performance and user experience. You may disable cookies through your browser settings.

• We use collected information to:
• Process admissions and enrollments
• Provide educational services
• Communicate updates and announcements
• Process payments
• Improve website functionality
• Comply with legal obligations
• Respond to inquiries and support requests

• If you are located in the European Economic Area (EEA), we process your personal data based on:
• Your consent
• Performance of a contract
• Legal obligations
• Legitimate interests

• We do not sell your personal information. We may share information with:
• Service providers (e.g., payment processors, hosting providers)
• Regulatory or legal authorities if required by law
• Academic partners (where applicable)
• All third parties are required to maintain the confidentiality and security of your information.

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, misuse, or alteration.

6. Data Retention

• We retain personal information only as long as necessary to:
• Provide services
• Fulfill legal requirements
• Resolve disputes
• Enforce agreements

We may collect information from children under 18 only with parental or guardian consent. We comply with applicable child data protection laws.

• Depending on your jurisdiction, you may have the right to:
• Access your personal data
• Correct inaccurate data
• Request deletion
• Restrict or object to processing
• Withdraw consent
• Request data portability
• To exercise these rights, contact us at: [support@gramseducation.info]

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

If we transfer your information outside your country, we ensure appropriate safeguards are in place.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

If you have any questions about this Privacy Policy, please contact:

[GRAMS EDUCATION]

[Chandigarh,punjab]

[support@gramseducation.info]

[7019893214]

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REFUND POLICY

• All fees paid for courses, study materials, tutoring, or advisory services are strictly non-refundable under any circumstances.
• Once payment is made, no claims for refund shall be entertained for any reason, including dissatisfaction with teaching methods or personal expectations.
• Fees collected are solely for educational services, tutor fees, and study materials provided by the Institution.

Any payment made towards any course or service shall constitute full acceptance of these Terms & Conditions.

Once enrolled, the candidate agrees that no claim, dispute, or compensation request shall be applicable against the Institution.

• Daily attendance will be recorded and maintained.
• If a candidate requires leave, prior intimation must be given to the administration.
• Subject to availability, an additional class may be arranged specifically for the candidate.

4. Trading During Course Period

• Candidates are advised not to engage in trading activities during the course completion period.
• If a candidate chooses to trade during the course period, any loss incurred shall be entirely at their own risk.
• The Institution shall not be responsible for any financial loss resulting from trading activities.

• The Institution charges only educational fees for classes and study materials.
• No hidden fees or additional charges are imposed beyond agreed course fees.
• The Institution does not request, accept, or manage investments from any candidate.

• The Institution provides educational services only.
• The Institution is not responsible for:
• Any trading losses
• Any investment decisions made by candidates
• Any misuse of the Institution’s name by third parties
• Any financial loss occurring outside the Institution
• Any investment or advisory decision taken by the candidate is at their own discretion and risk.

• Our tutors are NISM-certified (National Institute of Securities Markets) professionals.
• The Institution is not registered with SEBI (Securities and Exchange Board of India) as an investment advisory organization.
• Fees collected are strictly for tutor services and educational materials only.

• Candidates opting for advisory services do so at their own risk.
• “Investments in the stock market are subject to market risks.”
• No refund claims shall be applicable for advisory services.

• Study materials, strategies, and internal content are the intellectual property of the Institution.
• Sharing internal materials, strategies, or confidential information with outsiders is strictly prohibited.
• Unauthorized reproduction, recording, distribution, or sharing is prohibited.

• Any individual found violating the Institution’s policies, including but not limited to:
• Property damage
• Sharing confidential information
• Misusing the Institution’s name
• Attempting to harm the Institution’s reputation
• Shall be subject to legal action and penalties as deemed appropriate by the Institution under applicable law.

Under no circumstances shall the Institution, its tutors, or management be liable for any direct, indirect, incidental, or consequential damages arising from course participation or trading activities.

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of [INDIA]. Any disputes shall fall under the jurisdiction of the courts of [INDIA].

Welcome to Our Educational Program

We are an educational platform dedicated to spreading financial literacy and stock market knowledge.

We are not registered with Securities and Exchange Board of India (SEBI).

We are NISM-certified analysts affiliated with National Institute of Securities Markets (NISM), and our focus is purely on education and skill development.

Voluntary Participation

Participation in our seminars, workshops, and courses is completely voluntary. We do not force or compel any individual — including students, business owners, housewives, or any person aged 18 years and above — to join our educational programs. Individuals enroll solely for the purpose of gaining knowledge.

Educational Purpose Only

• We are an educational platform and are not engaged in investment advisory, portfolio management, trading, or fund management services. We do not provide any buy/sell recommendations or personalized financial advice.

No Responsibility for Personal Trading Activities

• If any participant undertakes trading, investing, or any financial activity based on their own decisions beyond the scope of our educational content, the organization and its tutors shall not be held responsible for any profits, losses, or consequences arising from such actions.
• No Refund Policy
• All fees paid for seminars, workshops, or courses are non-refundable under any circumstances.

Acceptance of Terms

• By enrolling in our courses or attending our seminars, participants acknowledge that they have read, understood, and agreed to all the above-mentioned terms and conditions.

Limitation of Liability

• The organization and its tutors shall not be held liable for any direct or indirect financial losses, damages, or claims arising from the use or interpretation of the educational material provided.
• Our main objective is to educate individuals before they invest, whether for short-term or long-term goals.
• Learn first. Then invest wisely. Earn gradually with proper knowledge and disciplined analysis.

• We train students in:
• Fundamental Analysis
• Technical Analysis
• Chart Reading & Pattern Analysis
• Risk Management Concepts
• Market Psychology
• We also conduct specialized courses for NISM Series VIII Certification Examination aspirants.

• On public demand from various states, we conduct educational seminars and workshops.
• With growing participation and interest, we are planning to establish a dedicated educational institute to benefit:
• Students
• Working professionals
• Business owners
• Housewives
• Beginners interested in financial markets
• Our mission is to make stock market education accessible to everyone and promote responsible investing.