Terms of Service

Last Updated: November 4, 2025

Welcome to WealthNaya. These Terms of Service govern your access to and use of our website, courses, and services. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.

Acceptance of Terms

By accessing, browsing, or enrolling in any course on the WealthNaya platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with these terms, you should not use our services.

Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

Account Registration

To access certain features of our services, you may need to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept all risks of unauthorized access to your account
• Notify us immediately of any unauthorized use of your account

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

Course Enrollment and Access

Enrollment Process

Course enrollment is completed through our designated enrollment process. Upon successful enrollment and payment, you will receive access to the course materials as described in the course information.

License to Use Course Materials

When you enroll in a course, we grant you a limited, non-exclusive, non-transferable license to access and use the course materials for your personal, non-commercial educational purposes. This license does not permit you to:

• Share, distribute, or resell course materials
• Copy, reproduce, or create derivative works from course content
• Remove or modify any copyright or proprietary notices
• Use course materials for commercial purposes
• Allow others to access your account or course materials

Course Availability

We strive to provide continuous access to course materials. However, we reserve the right to modify, update, or discontinue courses at any time. Enrolled students will typically receive advance notice of significant changes.

Payment and Refunds

Payment

Course fees are specified on our website or communicated during the enrollment process. Payment must be completed through our approved payment methods. All prices are in the currency specified at the time of purchase.

Refund Policy

We offer a 14-day satisfaction guarantee from the date of enrollment. If you are not satisfied with a course within this period, you may request a refund by contacting our support team. Refunds are subject to review and approval. After the 14-day period, all sales are final unless otherwise required by law.

Intellectual Property Rights

All content on the WealthNaya platform, including but not limited to text, graphics, logos, images, videos, audio clips, and software, is the property of WealthNaya or its content suppliers and is protected by intellectual property laws.

You may not:

• Use our trademarks, logos, or branding without written permission
• Copy, modify, or create derivative works from our content
• Reverse engineer or attempt to extract source code from our platform
• Use automated systems to scrape or download content

User Conduct

When using our services, you agree to:

• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others
• Not engage in any activity that disrupts or interferes with our services
• Not attempt to gain unauthorized access to our systems
• Not use our services for any unlawful or prohibited purpose
• Not impersonate others or misrepresent your affiliation
• Not transmit viruses, malware, or other harmful code

Disclaimer of Warranties

Our services and course materials are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that:

• Our services will be uninterrupted or error-free
• Course content will meet your specific requirements
• Results or outcomes will be achieved through our courses
• All errors or defects will be corrected

While our courses provide financial education, they do not constitute financial advice. You should consult with qualified professionals before making financial decisions.

Limitation of Liability

To the maximum extent permitted by law, WealthNaya and its instructors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, even if we have been advised of the possibility of such damages.

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific course or service giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless WealthNaya and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

Modification of Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

Termination

We may suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use our services will immediately cease, and you must stop accessing course materials.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Pakistan, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Pakistan.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and WealthNaya regarding your use of our services and supersede all prior agreements and understandings.

Contact Information

If you have any questions about these Terms of Service, please contact us:

WealthNaya
Email: info@wealthnaya.com
Phone: +923111275413
Address: No, Factory Area Road Near Tata Bazaar Chak, 212 RB, Faisalabad, 38000, Pakistan