Terms & Conditions

THE FOLLOWING SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH MONABANGA.COM SERVICES OFFERS YOU ACCESS TO OUR SERVICES.

WELCOME! WHEN USING MONABANGA.COM SERVICES, YOU ("MEMBER" OR "YOU" OR "YOUR") AGREE TO THE TERMS AND CONDITIONS DESCRIBED HEREIN ("TERMS OF SERVICE").

ACCEPTANCE OF TERMS OF SERVICE: PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THE SERVICES PROVIDED BY MONABANGA.COM VIA OUR WEBSITE (WHICH IS CURRENTLY LOCATED AT WWW.MONABANGA.COM -- THIS "WEBSITE"). BY CLICKING THE "I AGREE" BUTTON, YOU SIGNIFY THAT YOU AGREE WITH THESE TERMS OF SERVICE.

THESE TERMS OF SERVICE MAY BE AMENDED BY MONABANGA.COM AT ANY TIME IN OUR DISCRETION BY POSTING THE AMENDED TERMS ON OUR WEBSITE. IF YOU BECAME A MEMBER PRIOR TO THE POSTING OF AMENDED TERMS ON OUR WEBSITE, THE AMENDED TERMS SHALL AUTOMATICALLY BE EFFECTIVE 30 DAYS AFTER THEY ARE INITIALLY POSTED ON OUR SITE. YOU AGREE THAT YOUR CONTINUED USE OF THIS WEBSITE AFTER SUCH AMENDMENT SHALL SIGNIFY YOUR ACCEPTANCE OF SUCH CHANGE. THIS AGREEMENT MAY NOT BE OTHERWISE AMENDED EXCEPT BY A WRITING SIGNED BY BOTH YOU AND MONABANGA.COM

1. DESCRIPTION OF MONABANGA.COM provides spiritual content, reports, data, telephone, and email consultations ("Content") via the World Wide Web, electronic mail. Although portions of the Content may be viewed simply by visiting the Monabanga.com site (the "Free Services" and "Paid Service"), to access the personalized zone and/or receive additional Content and services from Monabanga.com (the "Paid Services"), You may need to register as a member of Monabanga.com to receive certain Paid Services. The Free Services and the Paid Services are referred to collectively in these Terms of Service as the "Services." In consideration for the Paid Services, Member agrees to:

Provide certain current, complete, and accurate information about Member as prompted to do so by Monabanga.com and
Maintain and update this information as required to keep it current, complete, and accurate. All information that We request, and You provide on original sign-up, and all updates thereto, are referred to in these Terms of Service as "Registration Data." Many of the Services and Content are provided by third party suppliers and not by Monabanga.com

2. MEMBER ELIGIBILITY: The Services are available only to individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, the Services are not permitted to be used by minors (which means, in most jurisdictions, those under the age of 18) or temporarily or indefinitely suspended Monabanga.com members. In addition, Monabanga.com does not permit the use of the Services by residents

(a) of any jurisdiction that may prohibit our Services or

(b) of any country that is prohibited by law, regulation, treaty, or administrative act from entering into trade relations. If you do not qualify, please do not use the Services.

3. MEMBER REGISTRATION DATA: Upon registration, including Your provision of Registration Data, you will receive an Monabanga.com identification ("YOUR EMAIL ID ") and a password. You are entirely responsible if You do not maintain the confidentiality of Your Monabanga.com EMAILID and password. You are responsible for all uses of Your account, whether actually or expressly authorized by you. You may change Your password by following instructions on the Website. You agree that Your account, EMAILID, and password may not be transferred or sold to another party. You agree to immediately notify Monabanga.com of any unauthorized use of Your account or any other breach of security known to You.

4. OUR ACCESS TO YOUR ACCOUNT: To ensure that Monabanga.com is able to provide high-quality services, respond to customer needs, and comply with laws, you hereby consent to Monabanga.com employees and agents being able to access Your account and records on a case-by-case basis to investigate complaints or other allegations or suspected abuse.

5. MODIFICATION TO SERVICES; BREACH; TERMINATION: Monabanga.com may modify or discontinue (in whole or in part) the Services or Your account with us, with or without notice, for any reason without liability to You, any other user, or any third party. Without limiting the foregoing, We reserve the right to terminate Your account immediately

(a) if We are unable to verify or authenticate Your Registration Data or other information provided by You, (b) if We believe that Your actions may cause legal liability for You, Monabanga.com, or all or some of Our other users,

(i) provided us with false or misleading Registration Data or other information,

(ii) interfered with other users or the administration of the Services, or

(iii) violated these Terms of Service or our Privacy Policy.

6. PRIVACY POLICY: Privacy is very important to us, and as such, Our Privacy Policy, as it may be updated from time to time, available on the Website, is incorporated into these Terms of Service by this reference. We may amend Our Privacy Policy from time to time pursuant to the terms for amending this Terms of Service (as described in the Preamble above).

7. REFUND & CANCELLATION POLICY:

Comprehensive Return & Cancellation Policy Service

No refund shall be entertained after the payment.
No refund shall be made if the data provided by the customer is incorrect. However, if the customer emails us within an hour of ordering the report, we will consider the changes to be made.
Once the report is delivered to the customer, no refund shall be made.
All eligible refunds shall be made within seven business days from the date of receipt of the request. However, the same is subject to transaction and processing time taken by the bank/payment gateway.
In case of double payment made by mistake against a single order, one payment will be refunded.
All refunds will be made after deducting the transaction charges levied by the bank and/or the payment gateway, or any other charges that may have been borne by Monabanga.com in processing and/or delivering the service, as applicable.

Comprehensive Return & Cancellation Policy Product

All printable products, Course/Session Fees are non-returnable.
In case of double payment made by mistake against a single order, one payment will be refunded.

8. MEMBER BEHAVIOR AND RESTRICTIONS; COMPLIANCE WITH LAWS: Your right to use the Services is personal to You. You represent that You are an individual and that You are not a corporation or other business entity. You agree not to resell or make any commercial use of the Services without the express written consent of Monabanga.com. You are solely responsible for the contents of Your transmissions through Our Website. Your use of the Services is subject to all applicable local, state, national and international laws and regulations. You agree:
(1) to comply with all Indian laws regarding the transmission of technical data exported from India through the Service;
(2) not to use the Website or the Services for illegal purposes;
(3) not to interfere with or disrupt networks connected to Monabanga.com
(4) to comply with all applicable regulations, policies, and procedures of networks connected to the Monabanga.com Website; and
(5) to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding Your use of the Services. Monabanga.com makes use of the Internet to send and receive certain messages; therefore, your conduct is subject to Internet regulations, policies, and procedures. You will not use Monabanga.com for chain letters, junk mail, spamming, or any use of distribution lists to any person who has not given specific permission to be included in such a process. You agree not to transmit through Monabanga.com any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material of any kind or nature. You further agree not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law or regulation. Attempts to gain unauthorized access to other computer systems are prohibited. You shall not interfere with any other Monabanga.com members' use or enjoyment of the Website or Services.

GENERAL PROVISIONS: These Terms of Service will be governed by and construed in accordance with the laws of India without giving effect to any choice of law principles that would require the application of the laws of a different state. If for any reason a court of competent jurisdiction finds any provision or portion of these Terms of Service or Privacy Policy to be unenforceable or invalid, such provision shall be changed and interpreted so as to best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable law, and the remainder of the Terms of Service or Privacy Policy, as applicable, will continue in full force and effect. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Any waiver of any provision of the Terms of Service will be effective only if in writing and signed by Monabanga.com. These Terms of Service constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.

USAGE OF THE INFORMATION: The information collected by the Website may be used for any purpose as may be permissible under the applicable law and shall include but not limited to the following: -

a. For providing a personalized browsing experience. While guaranteeing the anonymity of the user, the personal information collected in Clause "Personal Identifiable Information" may be used for research purposes, for improving the marketing and promotional efforts, to analyze usage, to improve the content of the Website, product offering, and for customizing the Website's layout for suiting the needs of its Users.

b. You authorize us to contact you via email or phone or SMS.

c. With IP tracking details and Cookie data, the Website will use it only for facilitating the usage of the website and provide a personalized experience and any information which is sensitive in nature will not be provided to any third party without the consent of the User.

d. All information (and copies thereof) collected by Website, including without limitation Personal Information, User Data, and other information related to your access and use of the services offered by Website, may be retained by Website for such period as necessary, including but not limited to, for purposes such as compliance with statutory or legal obligations, tax laws, and potential evidentiary purposes and for other reasonable purposes such as to implement, administer, and manage your access and use of our services, or the resolution of any disputes.

e. To ensure a seamless experience at the Website for you and to ensure your maximum benefit and comfort, the Website may use the data collected through cookies, log files, device identifiers, location data, and clear gifs information to

(a) remember information so that you will not have to re-enter it during your visit or the next time you visit the site

(b) provide custom, personalized content, and information, including advertising

(d) monitor aggregate metrics such as the total number of visitors, traffic, usage, and demographic patterns on the Website and its Services

(e) diagnose or fix technology problems; and

(f) otherwise to plan for and enhance the service.

f. Website uses certain third-party analytics tools to measure traffic and usage trends for the Services. These tools collect information, which is not personal or sensitive in nature sent by the User’s device, including the web pages visited, add-ons, and other information that assists the Website in improving the Services. Such information is collected from Users in the form of anonymized logs so that it cannot reasonably be used to identify any particular individual User.