Our Policies

Terms and Conditions:

Effective Date: June 14, 2025

Welcome to Actuaria.in. By accessing or using our website, www.actuaria.in, or our services, you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please do not use our website or services.

  1. Use of Our Services
  • Eligibility: You must be at least 18 years old to use our services. By using our website, you confirm that you meet this requirement.
  • Account Responsibility: If you create an account, you are responsible for maintaining the confidentiality of your login details and for all activities under your account.
  • Prohibited Activities: You agree not to:
    • Use our services for any illegal or unauthorized purpose.
    • Attempt to hack, disrupt, or interfere with our website or services.
    • Reproduce, distribute, or modify our content without permission.
  1. Intellectual Property

All content on Actuaria.in, including text, graphics, logos, and software, is the property of Actuaria.in or its licensors and is protected by copyright and intellectual property laws. You may not use, reproduce, or distribute our content without prior written consent.

  1. Services and Payments
  • Service Description: We provide actuarial tools, resources, or consulting services as described on our website. We reserve the right to modify or discontinue services at any time.
  • Payments: All payments are processed securely. You agree to pay all applicable fees for services or subscriptions as outlined at the time of purchase.
  • Subscriptions: Subscriptions may auto-renew unless canceled. You can manage subscriptions through your account settings.
  1. Limitation of Liability

To the fullest extent permitted by law:

  • Our services are provided “as is” without warranties of any kind.
  • We are not liable for any indirect, incidental, or consequential damages arising from your use of our website or services.
  • Our liability is limited to the amount paid by you for the service in question.
  1. Termination

We may suspend or terminate your access to our services if you violate these Terms or engage in activities that harm our website or other users. You may terminate your account at any time by contacting us.

  1. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of courts in Bangalore, India.

  1. Changes to These Terms

We may update these Terms periodically. Changes will be posted on this page with an updated “Effective Date.” Your continued use of our services constitutes acceptance of the updated Terms.

  1. Contact Us

For questions about these Terms, please contact us at hello@actuaria.in

Privacy Policy:

Last Updated: June 14, 2025

At Actuaria.in (“we,” “us,” or “our”), we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website, www.actuaria.in, or use our services.

  1. Information We Collect

We may collect the following types of information:

  • Personal Information: Name, email address, phone number, billing details, or other information you provide when registering, subscribing, or contacting us.
  • Non-Personal Information: Browser type, IP address, device information, and website usage data collected via cookies or analytics tools.
  • User-Provided Data: Information submitted through forms, surveys, or interactions with our services, such as actuarial queries or feedback.
  1. How We Use Your Information

We use your information to:

  • Provide and improve our services, such as actuarial tools, consultations, or resources.
  • Process payments and manage subscriptions.
  • Communicate with you, including responding to inquiries and sending updates or promotional materials (with your consent).
  • Analyze website usage to enhance user experience.
  • Comply with legal obligations.
  1. How We Share Your Information

We do not sell or rent your personal information. We may share your data:

  • With service providers (e.g., payment processors, hosting services) who assist in operating our website, under strict confidentiality agreements.
  • To comply with legal requirements, such as responding to court orders or government requests.
  • To protect our rights, safety, or property, or that of our users.
  1. Cookies and Tracking Technologies

We use cookies and similar technologies to track website usage and personalize your experience. You can manage cookie preferences through your browser settings.

  1. Data Security

We implement reasonable security measures to protect your data, including encryption and secure servers. However, no system is completely secure, and we cannot guarantee absolute protection.

  1. Your Rights

Under applicable laws, including the DPDP Act, 2023, you may have the right to:

  • Access, correct, or delete your personal data.
  • Withdraw consent for data processing (where applicable).
  • Lodge a complaint with a data protection authority. To exercise these rights, contact us at hello@actuaria.in.
  1. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

  1. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices, and we encourage you to review their policies.

  1. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated “Last Updated” date.

  1. Contact Us

For questions or concerns about this Privacy Policy, please contact us at hello@actuaria.in

Refund Policy:

Effective Date: June 14, 2025

At Actuaria.in, we strive to ensure customer satisfaction with our services. This Refund Policy outlines the conditions under which refunds may be requested for purchases made on www.actuaria.in.

  1. Eligibility for Refunds

Refunds may be considered for the following:

  • Subscription Services: If you are dissatisfied with a subscription (e.g., access to actuarial tools or resources), you may request a refund within [7/14/30 days, depending on your preference] of purchase, provided you have not extensively used the service.
  • Digital Products: Refunds for digital products (e.g., reports, templates) are generally non-refundable unless the product is defective or does not match the description provided.
  • Consulting Services: Refunds for consulting services may be issued if the service was not delivered as agreed or was canceled by us.
  1. Non-Refundable Items

The following are non-refundable:

  • Services or products used extensively or fully consumed.
  • Custom-made products or personalized services.
  • Fees for third-party services (e.g., payment processing fees).
  1. Refund Process

To request a refund:

  • Contact us at hello@actuaria.in within the specified refund period.
  • Provide your order details, including order number and reason for the refund.
  • We will review your request and respond within [5-10 business days].
  • If approved, refunds will be processed to the original payment method within [10-15 business days].
  1. Cancellations

You may cancel a subscription at any time through your account settings. No further charges will apply after cancellation, but no refunds will be issued for partial subscription periods unless specified above.

  1. Contact Us

For refund-related inquiries, please contact us at hello@actuaria.in

  1. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated “Effective Date.”

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