Terms and Conditions:

Welcome to Banking Academy. These Terms and Conditions govern your access to and use of www.banking-academy.com, including the purchase and use of courses, e-books, case studies, interview-preparation materials, recorded content, downloadable resources and other banking-learning products offered through the website.

By accessing the website, placing an order, making a payment, downloading any material, enrolling in a course or using our services, you confirm that you have read, understood and agreed to these Terms and Conditions.

If you do not agree with these Terms and Conditions, you should not purchase or use our products or services.

1. About Banking Academy

Banking Academy is an independent banking-education and professional-learning platform owned and operated by T. Gururaja.

Banking Academy provides educational products and services that may include:

• Banking courses and learning programs.

• E-books and study guides.

• Interview-preparation materials.

• Banking and financial-crime case studies.

• Recorded educational content.

• Downloadable learning materials.

• Live or instructor-led sessions, where specifically stated.

• Career-development and professional-learning resources.

The precise format, content, duration, mode of delivery and access conditions applicable to each product will be stated on the relevant product page.

2. Eligibility

You must be legally capable of entering into a binding contract to purchase products or services from Banking Academy.

If you are below the legally permitted age, you may use the website or purchase a product only with the consent and supervision of a parent or lawful guardian.

By placing an order, you confirm that:

• The information provided by you is accurate and complete.

• You are authorized to use the selected payment method.

• Your purchase does not violate any applicable law.

• You are purchasing the product for lawful, personal and educational purposes.

3. Nature of Products and Services

Banking Academy primarily provides educational products and services in digital or electronic form.

Depending on the product description, a product may be:

• Downloadable.

• Accessible through a link.

• Delivered by email.

• Hosted on a third-party platform.

• Provided as recorded content.

• Conducted through a live or instructor-led session.

• Made available for a specified access period.

• Provided as a combination of digital materials and instructional support.

Customers should carefully review the product description before making payment. Unless expressly stated otherwise, the purchase of a digital product does not include printed copies, physical delivery, personal coaching, certification, examination registration or lifetime access.

4. Product Information

Banking Academy makes reasonable efforts to provide accurate descriptions of its courses, e-books and other learning materials.

However:

• Illustrations, cover images and previews may be provided for general representation.

• Course contents may be updated to improve accuracy, clarity or relevance.

• Minor differences in formatting, design, file size or presentation may occur.

• Page counts may vary depending on the device, software or display settings used.

• Availability and delivery methods may change due to technical or operational requirements.

Such reasonable variations will not be treated as defects where the essential nature and educational purpose of the product remain unchanged.

5. Orders and Acceptance

Placing an order or initiating a payment does not automatically create an obligation on Banking Academy to provide the product.

An order is considered accepted only after:

• Payment has been successfully received or confirmed.

• The order has passed any necessary verification.

• Banking Academy has issued an order confirmation, receipt, access link or delivery communication.

Banking Academy may decline or cancel an order where:

• Payment is unsuccessful, reversed or suspected to be unauthorized.

• Incorrect or incomplete customer information is provided.

• Fraudulent or suspicious activity is identified.

• A pricing, product-description or technical error has occurred.

• Delivery is restricted by law or by a service provider.

• The customer has previously violated these Terms and Conditions.

If an order is cancelled after payment for reasons attributable to Banking Academy, the amount received for that order will be refunded through the appropriate payment method, subject to payment-processing timelines.

6. Prices and Taxes

Product prices will be displayed on the relevant product or checkout page.

Unless otherwise stated:

• Prices are shown in the currency indicated on the website.

• Applicable taxes may be included in or added to the displayed price.

• Currency-conversion charges may be imposed by the customer’s bank, card issuer or payment provider.

• Banking Academy is not responsible for third-party bank charges, foreign-exchange charges or payment-processing charges imposed directly on the customer.

• Prices, discounts and promotional offers may be changed at any time before an order is completed.

A price change will not affect an order for which payment has already been successfully completed and accepted.

7. Payments

Payments may be processed through independent payment gateways, banks, UPI systems, card networks or other authorized payment-service providers.

By making a payment, you agree to comply with the terms and security requirements of the relevant payment provider.

Banking Academy does not ordinarily receive or store complete card numbers, CVV numbers, UPI PINs, internet-banking passwords or similar confidential payment credentials.

A payment will be treated as complete only after successful confirmation from the payment gateway or financial institution. A debit shown in a customer’s account without corresponding payment confirmation may require verification with the payment provider.

Customers must not initiate an unjustified chargeback or payment dispute after receiving or accessing a product. Banking Academy may submit purchase, access, download and communication records to the payment provider when responding to a dispute.

8. Delivery of Digital Products

Digital products may be delivered through:

• An automatic download.

• An email containing the product or access instructions.

• A secure download link.

• A course-access page.

• A cloud-storage or learning-platform link.

• Another delivery method stated on the product page.

Customers are responsible for:

• Providing a correct and active email address.

• Checking spam, junk and promotional email folders.

• Downloading the product within the permitted period.

• Using compatible devices, applications and internet connections.

• Keeping access links and downloaded files secure.

• Contacting Banking Academy promptly if delivery is not received.

Delivery will generally be considered completed when the product, download link or access instructions are sent to the email address provided by the customer or made available through the stated delivery system.

9. Course Access

Where a course or recorded program is provided for a limited period, the applicable access duration will be mentioned in the product description or order communication.

Course access is personal to the registered customer. Login credentials, access links, videos, downloadable materials and other resources must not be shared with another person.

Banking Academy may temporarily suspend access for maintenance, security, content updates or circumstances beyond its reasonable control. Reasonable efforts will be made to restore access promptly.

Unless specifically promised on the product page, course access does not include:

• Unlimited personal mentoring.

• Individual career counselling.

• Guaranteed responses within a fixed time.

• Lifetime updates.

• Download rights for hosted videos.

• Membership in any external professional body.

• Employment placement or recruitment services.

10. Instructor-Led Programs

For live or instructor-led programs:

• Dates, times, duration and delivery platforms may be announced separately.

• Participants must join using the instructions provided.

• Missed sessions may not be repeated individually.

• Recordings will be provided only where expressly stated.

• Schedules may be changed for operational, technical or instructor-related reasons.

• Where a session is rescheduled, the revised schedule will be communicated through the available contact details.

Participants must behave professionally and must not disrupt sessions, harass others, record sessions without permission or use the program for unlawful purposes.

11. Refunds and Cancellations

Refunds and cancellations are governed by the separate Refund and Cancellation Policy published on the Banking Academy website.

Because many products are digital and can be accessed, copied or downloaded immediately, refund eligibility may be limited once:

• A download link has been issued.

• A file has been downloaded.

• Course access has been activated.

• Recorded content has been accessed.

• Learning materials have been delivered.

• An instructor-led session has commenced.

A customer will not ordinarily be eligible for a refund merely because:

• The customer changed their mind.

• The material was not used.

• The customer purchased the wrong product without reviewing its description.

• The customer expected content or services not included in the product description.

• The customer did not obtain a job, promotion, interview call, examination result or other professional outcome.

Nothing in these Terms and Conditions excludes any refund or remedy that must be provided under applicable law.

12. Intellectual Property Rights

All content made available by Banking Academy, including the following, is owned by or lawfully licensed to Banking Academy:

• E-books.

• Course materials.

• Study guides.

• Case studies.

• Interview questions and answers.

• Videos and recordings.

• Presentations.

• Templates.

• Graphics, logos and designs.

• Website text and page content.

• Assessments and exercises.

• Downloadable files.

• Product names and original educational frameworks.

The purchase of a product grants the customer a limited, personal, non-exclusive, non-transferable and revocable right to use the material for individual learning purposes.

Ownership of the intellectual property does not transfer to the customer.

13. Prohibited Use of Content

Without prior written permission from Banking Academy, customers must not:

• Copy or reproduce the materials for commercial purposes.

• Share files, passwords, download links or course access with others.

• Upload materials to websites, social-media platforms, messaging groups, cloud drives or file-sharing services.

• Resell, rent, sublicense or redistribute any product.

• Print or reproduce multiple copies for distribution.

• Use the materials to conduct training for other people.

• Translate, modify, repackage or create derivative commercial products.

• Remove watermarks, copyright notices, branding or ownership information.

• Record live sessions without written permission.

• Use automated tools to extract, scrape, copy or download website or course content.

• Claim Banking Academy’s content as their own.

• Use purchased content to train or build a competing commercial product, database or artificial-intelligence system.

Unauthorized use may result in immediate suspension of access and appropriate legal action.

14. Personal Use and Account Security

Every purchase and course registration is intended for one customer unless a group, institutional or corporate licence has been expressly purchased.

Customers are responsible for protecting:

• Login credentials.

• Access links.

• Download links.

• Purchased files.

• Registered email accounts.

• Devices used to access the products.

Any activity performed through a customer’s account or access credentials may be treated as activity authorized by that customer unless Banking Academy is promptly notified of suspected unauthorized access.

15. Educational Purpose

Banking Academy’s products and services are provided for educational and professional-development purposes.

The content:

• Does not constitute legal, tax, accounting, investment or financial advice.

• Does not replace an employer’s policies, procedures or training.

• Does not replace applicable laws, regulations or regulatory guidance.

• Should not be treated as an official interpretation issued by a regulator, bank, university or professional body.

• May require adaptation to the laws, regulations and institutional practices of a particular jurisdiction.

Customers and learners are responsible for applying independent judgment and obtaining professional advice where necessary.

16. No Employment or Career Guarantee

Banking Academy does not guarantee:

• Employment or job placement.

• An interview call.

• Selection in an interview.

• Promotion or salary increase.

• Admission to an educational program.

• Success in an examination or certification.

• Acceptance by a bank, employer, regulator or professional body.

• Any particular career, business or financial result.

Interview-preparation materials and career-development resources are intended to improve understanding and readiness. Actual outcomes depend on several factors beyond Banking Academy’s control, including the customer’s qualifications, experience, preparation, performance and the decisions of employers or institutions.

17. Accuracy and Updates

Banking, compliance, financial crime, technology and regulatory subjects may change over time.

Banking Academy makes reasonable efforts to provide useful and accurate educational content. However, it does not warrant that every item will always be:

• Complete.

• Free from errors.

• Current in every country.

• Applicable to every institution.

• Suitable for every professional or regulatory situation.

Customers should verify important information against current laws, regulatory publications, institutional policies and qualified professional advice before relying on it for operational or decision-making purposes.

Banking Academy may correct, revise or update content where considered appropriate.

18. Third-Party Services and Links

The website or learning materials may contain links to payment gateways, cloud-storage services, video platforms, external websites, regulatory publications or other third-party resources.

Banking Academy does not control third-party websites or services and is not responsible for their:

• Content.

• Availability.

• Security.

• Privacy practices.

• Accuracy.

• Products or services.

Access to third-party services is subject to the terms and policies of the relevant provider.

19. Technical Requirements

Customers are responsible for maintaining suitable:

• Internet access.

• Devices.

• Browsers.

• PDF readers.

• Video or audio applications.

• Email access.

• Software required to open the purchased materials.

Banking Academy is not responsible for a customer’s inability to access a product due to outdated software, incompatible devices, insufficient storage, internet failure, incorrect settings or restrictions imposed by the customer’s employer, network or service provider.

Reasonable support may be provided where the problem relates to the delivery method controlled by Banking Academy.

20. Acceptable Use of the Website

You must not:

• Use the website for unlawful or fraudulent purposes.

• Attempt to gain unauthorized access to the website or another customer’s account.

• Introduce viruses, malware or harmful code.

• Interfere with website security or operation.

• Use bots, scrapers or automated extraction tools without permission.

• Submit false information or impersonate another person.

• Abuse promotional offers or payment systems.

• Harass instructors, customers, employees or service providers.

• Infringe intellectual property or privacy rights.

• Use the website in a manner that may harm Banking Academy or its users.

21. Suspension or Termination

Banking Academy may suspend, restrict or terminate access where it reasonably believes that a customer has:

• Shared or redistributed protected materials.

• Allowed unauthorized persons to use an account.

• Attempted to copy or commercially exploit content.

• Submitted a fraudulent payment or unjustified chargeback.

• Misused the website or learning platform.

• Violated applicable law.

• Breached these Terms and Conditions.

Where appropriate, Banking Academy may request an explanation or corrective action before restoring access.

Termination resulting from a material violation may occur without a refund, subject to applicable law.

22. Limitation of Liability

To the extent permitted by applicable law, Banking Academy will not be liable for indirect, incidental, special or consequential losses arising from:

• Use of or inability to use the website or products.

• Reliance on educational content.

• Career, employment or examination outcomes.

• Loss of data caused by a customer’s device or software.

• Third-party websites or services.

• Internet, email, hosting or payment-system failures beyond its reasonable control.

• Unauthorized sharing of credentials or files by the customer.

• Events outside Banking Academy’s reasonable control.

Where liability cannot legally be excluded, Banking Academy’s aggregate liability relating to a particular purchase will ordinarily be limited to the amount paid by the customer for the product or service giving rise to the claim.

Nothing in these Terms and Conditions excludes liability that cannot lawfully be excluded or limited.

23. Indemnity

To the extent permitted by law, you agree to compensate Banking Academy for reasonable losses, claims, costs or expenses arising from:

• Your unlawful use of the website or products.

• Your infringement of intellectual property rights.

• Unauthorized sharing or commercial use of learning materials.

• Fraudulent payment activity.

• Your material breach of these Terms and Conditions.

24. Privacy

Personal information collected through the website is handled according to Banking Academy’s Privacy Policy.

By using the website or purchasing a product, you acknowledge that your information may be processed for order fulfilment, payment confirmation, product delivery, support, security, legal compliance and other purposes described in the Privacy Policy.

25. Customer Communications

Banking Academy may communicate with customers through the email address, mobile number or other contact information provided during an enquiry, registration or purchase.

Customers are responsible for maintaining accurate contact details and reviewing communications relating to their orders.

Electronic notices and communications will be considered valid when sent to the contact details provided by the customer.

26. Promotional Offers

Discounts, coupons, bundles and promotional offers:

• May be available for a limited period.

• May apply only to selected products or customers.

• Cannot ordinarily be exchanged for cash.

• Cannot be combined unless expressly allowed.

• May be withdrawn before purchase.

• May be subject to additional stated conditions.

A customer is not entitled to a retrospective discount merely because the price of a product is reduced after the customer’s purchase.

27. Force Majeure

Banking Academy will not be responsible for delay or failure caused by circumstances beyond its reasonable control, including:

• Natural disasters.

• Power or internet failures.

• Cyberattacks.

• Government restrictions.

• Changes in law.

• Failure of hosting or cloud-service providers.

• Payment-network disruptions.

• Labour disputes.

• Public-health emergencies.

• War, civil disturbance or similar events.

Where possible, reasonable efforts will be made to resume the affected service or provide an appropriate alternative.

28. Changes to Products and Services

Banking Academy may update, improve, replace or discontinue a product or service.

Where a customer has already purchased a product, Banking Academy will make reasonable efforts to provide the purchased content or a substantially equivalent alternative, subject to technical feasibility and the terms stated at the time of purchase.

29. Changes to These Terms

Banking Academy may revise these Terms and Conditions to reflect changes in:

• Products and delivery methods.

• Payment systems.

• Website operations.

• Legal or regulatory requirements.

• Security or business practices.

Revised Terms and Conditions will be published on this page with an updated effective date.

Changes will apply prospectively unless a different application is required by law. Customers should review this page periodically.

30. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of India.

Subject to applicable consumer-protection laws and any mandatory jurisdictional requirements, disputes relating to the website, products or services will be subject to the jurisdiction of the competent courts in Hyderabad, Telangana, India.

Before initiating formal proceedings, customers are encouraged to contact Banking Academy and allow a reasonable opportunity for the matter to be resolved.

31. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, that provision will be limited or removed only to the extent necessary.

The remaining provisions will continue to remain valid and enforceable.

32. No Waiver

If Banking Academy does not immediately enforce a provision of these Terms and Conditions, it does not mean that the right to enforce that provision has been waived.

Any waiver must be expressly provided in writing.

33. Entire Agreement

These Terms and Conditions, together with the Privacy Policy, Refund and Cancellation Policy, product description and any specific terms communicated at the time of purchase, constitute the agreement between the customer and Banking Academy concerning the relevant product or service.

If specific product terms conflict with these general Terms and Conditions, the specific product terms will apply to that product to the extent of the conflict.

34. Contact Information

For questions, complaints, product-access issues or notices relating to these Terms and Conditions, please contact:

Banking Academy
Website: www.banking-academy.com
Email: info@banking-academy.com

Please include your name, registered email address, order or transaction reference number and a brief description of the issue so that the request can be reviewed efficiently.