Terms and Conditions

Effective Date: July 16, 2026

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Welcome to SAMKOL. These Terms and Conditions ("Terms") govern your access to and use of the SAMKOL website, online learning platform, mobile applications, digital products, educational services, online courses, downloadable resources, memberships, webinars, live classes, software, trading tools, and any other products or services offered directly by SAMKOL or through AUTHORISED third-party platforms, including online course marketplaces such as Udemy.

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By creating an account, purchasing a course, enrolling in a free program, downloading educational resources, attending live sessions, or otherwise using any SAMKOL services, you acknowledge that you have carefully read, understood, and agreed to be legally bound by these Terms and all applicable laws. If you do not agree with these Terms, you should discontinue use of our services immediately.

SAMKOL is committed to providing high-quality educational resources to learners worldwide. These Terms are intended to create a transparent relationship between SAMKOL and every learner while protecting the rights of students, instructors, employees, partners, and the intellectual property developed by SAMKOL.

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Eligibility

Our services are intended for individuals who are legally capable of entering into binding agreements under the applicable laws of their country. If you are below the minimum legal age required in your jurisdiction, you may use our services only with the consent and supervision of your parent or legal guardian. Parents or guardians who permit minors to use our platform accept responsibility for monitoring the student's activities and ensuring compliance with these Terms.

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User Accounts

Certain features require you to create a SAMKOL account. When registering, you agree to provide complete, accurate, and up-to-date information. You are responsible for maintaining the confidentiality of your login credentials and are solely responsible for every activity that occurs through your account.

You agree not to share your account credentials with any other individual. Multi-user sharing, group access through a single account, or allowing unauthorized persons to use your account is strictly prohibited. SAMKOL reserves the right to suspend or permanently terminate accounts that violate this policy.

If you suspect unauthorized access to your account, you must notify SAMKOL immediately.

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Nature of Educational Services

SAMKOL provides educational content covering subjects including, but not limited to, chemistry, competitive examinations, finance, investing, trading, programming, business, technology, entrepreneurship, productivity, professional development, and any other fields offered by our instructors.

All educational materials are prepared for learning and informational purposes. The content reflects the knowledge, experience, and opinions of the instructors at the time of publication. Educational materials may be updated periodically to reflect new developments, curriculum changes, market conditions, technological advancements, or improvements in teaching methodology.

Completion of a course should not be interpreted as a guarantee of academic success, employment, business success, financial gain, professional certification, admission to educational institutions, or achievement of any particular result. Individual outcomes depend upon numerous factors beyond the control of SAMKOL, including prior knowledge, personal effort, learning ability, market conditions, examination standards, and external circumstances.

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Intellectual Property Rights

All materials available through SAMKOL, whether provided directly or through third-party learning platforms, are protected by copyright, trademark, database, trade secret, and other intellectual property laws.

This protection extends to, but is not limited to, recorded lectures, course structures, lesson plans, videos, presentations, PDF notes, worksheets, assignments, question banks, quizzes, mock tests, illustrations, diagrams, graphics, animations, software, algorithms, trading indicators, trading bots, templates, spreadsheets, code, logos, trademarks, website content, marketing materials, branding elements, voice recordings, music created for courses, and all future educational materials developed by SAMKOL.

Your enrollment grants you a limited, personal, non-exclusive, non-transferable, and revocable license to access purchased educational content solely for your own learning. No ownership rights are transferred to you.

Restrictions on Use

To protect the intellectual property of SAMKOL and ensure fairness to all learners, users agree not to copy, reproduce, record, screen capture, download using unauthorized software, edit, modify, publish, translate, sublicense, distribute, sell, rent, lease, broadcast, publicly display, or commercially exploit any part of the educational content without prior written permission from SAMKOL.

Students may not upload any portion of SAMKOL content to YouTube, Telegram, WhatsApp, Discord, Google Drive, cloud storage services, file-sharing websites, social media platforms, torrents, AI training datasets, or any public or private distribution platform.

Creating derivative works, unauthorized summaries for commercial purposes, AI-generated reproductions of our content, or using course material to develop competing educational products without written authorization is prohibited.

Violation of intellectual property rights may result in permanent account termination, removal of access without refund where permitted by law, and legal action.

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Acceptable Conduct

Users agree to use SAMKOL respectfully and lawfully. Harassment, abusive language, discrimination, hate speech, threats, impersonation, spam, fraudulent activity, hacking attempts, malware distribution, unauthorized access, automated scraping, or any activity that interferes with the operation of the platform is prohibited.

SAMKOL reserves the right to investigate suspected misuse and take appropriate action, including suspension or permanent removal of access.

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Course Availability and Updates

Educational content may be revised, expanded, reorganized, updated, or replaced to improve quality or maintain relevance. Lectures may be added, removed, or modified without prior notice.

While SAMKOL aims to provide long-term access to purchased courses, access may be affected by legal requirements, licensing restrictions, platform policies, technological changes, or discontinuation of services. We will make reasonable efforts to preserve access where practical.

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Purchases Made Directly Through SAMKOL

Courses, memberships, digital products, mentoring sessions, downloadable resources, software, and other services purchased directly through SAMKOL are governed by these Terms together with our applicable Refund Policy.

Prices, promotions, discounts, and offers may change without prior notice. Promotional pricing is temporary and does not create an obligation to provide identical pricing in the future.

Unless otherwise required by applicable consumer protection laws, digital products that have been downloaded or substantially accessed may not be eligible for refunds.

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Courses Purchased Through Udemy or Other Third-Party Platforms

SAMKOL may publish courses on Udemy and other authorized online learning marketplaces.

When you purchase or enroll in a SAMKOL course through Udemy, your purchase, payment processing, refund eligibility, account management, platform access, licensing, promotional pricing, and marketplace policies are governed primarily by Udemy's Terms of Use, Privacy Policy, refund policies, and other applicable platform rules.

SAMKOL is responsible for the educational content we create, but the operation of the marketplace, payment collection, technical infrastructure, platform features, customer account management, and transaction processing are controlled by the marketplace provider.

Where there is any conflict between these Terms and the mandatory policies of the marketplace regarding purchases made through that marketplace, the marketplace's applicable terms will govern that specific transaction to the extent required.

Students who purchase courses through Udemy should consult Udemy's official policies regarding refunds, payments, subscriptions, account management, certificates, coupons, promotions, and platform usage.

Nothing in these Terms is intended to replace or limit any rights granted to learners under the applicable terms of the third-party marketplace.

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Free Courses

SAMKOL may provide certain courses, lectures, webinars, notes, downloadable resources, newsletters, or educational materials free of charge.

Free access does not transfer ownership of the content. The same intellectual property protections and usage restrictions apply to free content as to paid content.

SAMKOL reserves the right to convert free courses into paid offerings, discontinue free access, modify free content, or remove promotional materials at any time.

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Trading and Financial Education Disclaimer

Some courses offered by SAMKOL discuss topics relating to financial markets, including stocks, options, binary options, forex, cryptocurrencies, commodities, derivatives, technical analysis, price action, risk management, portfolio management, algorithmic trading, and investment concepts.

These courses are designed exclusively for educational purposes.

SAMKOL does not provide personalized investment advice, financial advice, tax advice, legal advice, or portfolio management services through its educational content.

Examples, demonstrations, historical charts, strategies, and case studies should never be interpreted as recommendations to buy, sell, or hold any financial instrument.

Financial markets involve substantial risk, including the complete loss of invested capital. Past performance does not guarantee future results. Students remain solely responsible for every investment and trading decision they make.

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Examination Preparation Disclaimer

SAMKOL offers educational content for various competitive examinations and academic curricula.

While every effort is made to maintain accuracy and quality, examination authorities may modify syllabi, marking schemes, eligibility requirements, examination patterns, or official notifications without notice.

Students should always verify official information directly from the relevant examination authority.

SAMKOL cannot guarantee examination scores, ranks, admissions, scholarships, or selection.

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Certificates

Certificates issued by SAMKOL represent completion of educational activities only. Unless explicitly stated, they do not constitute university degrees, government-recognized qualifications, professional licenses, statutory certifications, or accreditation by regulatory authorities.

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Third-Party Services

Our website or courses may contain links to third-party software, websites, cloud services, payment processors, educational platforms, calculators, books, research papers, or external resources.

These references are provided for convenience. SAMKOL does not control or endorse third-party services and is not responsible for their availability, accuracy, privacy practices, security, or content.

Users interact with third-party services at their own discretion.

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Limitation of Liability

To the maximum extent permitted by applicable law, SAMKOL, its founders, instructors, employees, affiliates, consultants, contractors, licensors, and partners shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to the use or inability to use our services.

This limitation includes, without limitation, loss of profits, business interruption, loss of data, examination outcomes, employment opportunities, investment losses, trading losses, or any other financial or non-financial damages arising from reliance on educational materials.

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

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Indemnification

You agree to indemnify, defend, and hold harmless SAMKOL and its affiliates, officers, directors, employees, instructors, licensors, and representatives against any claims, liabilities, damages, losses, costs, or expenses arising from your misuse of the platform, violation of these Terms, infringement of intellectual property rights, unlawful conduct, or breach of applicable laws.

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Suspension and Termination

SAMKOL reserves the right to suspend, restrict, or terminate access to any service without prior notice where a user engages in fraudulent activity, copyright infringement, account sharing, unauthorized redistribution of content, abusive conduct, platform misuse, or any other material breach of these Terms.

Termination does not affect any accrued rights or obligations.

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Privacy

Your use of SAMKOL services is also governed by our Privacy Policy, which explains how personal information is collected, processed, stored, protected, and disclosed.

By using our services, you consent to such processing in accordance with the Privacy Policy.

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Changes to These Terms

SAMKOL reserves the right to amend, update, revise, or replace these Terms at any time to reflect legal requirements, technological developments, improvements to our services, or business needs.

The latest version will always be published on our official website. Continued use of our services after revisions become effective constitutes acceptance of the updated Terms.

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Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of India, without regard to conflict of law principles.

Any disputes arising from these Terms or the use of SAMKOL services shall be subject to the exclusive jurisdiction of the competent courts located in Pune, Maharashtra, India, unless applicable law requires otherwise.

Severability

If any provision of these Terms is determined by a competent court to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in full force and effect.

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Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, Cookie Policy (if applicable), and any additional policies referenced herein, constitute the complete agreement between you and SAMKOL regarding your use of our services and supersede all prior discussions, understandings, or agreements relating to the same subject matter.

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Contact Information

If you have any questions regarding these Terms and Conditions or require clarification regarding your rights and responsibilities, you may contact SAMKOL using the contact information published on our official website.

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By continuing to use SAMKOL's website, courses, digital products, memberships, educational resources, and services, whether accessed directly or through authorized third-party platforms such as Udemy, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions.