Terms and condition

TERMS & CONDITIONS

Effective Date: [15/10/2026]
Last Updated: [15/10/2026]

1. Introduction

Welcome to tusharzende.com (“Website”), owned and operated by Tushar Zenede (“I,” “me,” or “my”).

This Website provides professional blogs, articles, educational resources, e-books, digital downloads, financial templates and information about consulting, mentoring and other professional services.

By accessing or using this Website, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the Website.

2. Purpose of the Website

The Website is intended to provide educational and informational content relating to:

  • Finance leadership, FP&A and financial management.

  • Cost optimization, profitability and value creation.

  • Procurement, supply chain and working capital.

  • Manufacturing, FMCG and business transformation.

  • Leadership, career development and professional growth.

The Website may also offer paid e-books, templates, premium content, newsletters, memberships, workshops, consulting and mentoring services.

3. Eligibility and Acceptable Use

By using this Website or purchasing any product or service, you confirm that you are legally capable of entering into a binding agreement under applicable law.

You agree not to:

  • Use the Website for unlawful, fraudulent or misleading activities.

  • Attempt to gain unauthorized access to the Website or its systems.

  • Copy, reproduce, distribute or commercially exploit content without permission.

  • Upload malicious software or interfere with Website security.

  • Infringe the intellectual property, privacy or other legal rights of any person.

I reserve the right to restrict access where reasonably necessary to protect the Website, its users or its lawful operations.

4. Intellectual Property Rights

Unless otherwise stated, all original content on this Website, including articles, blogs, e-books, downloadable resources, templates, graphics, text, logos and branding, is owned by me or used with appropriate permission.

Visitors may use Website content for personal learning and internal professional reference, subject to any product-specific licence.

Without prior written permission, you must not:

  • Reproduce or republish content on another website, publication or platform.

  • Resell, redistribute or share purchased e-books and digital downloads.

  • Share paid resources with third parties beyond the licence granted.

  • Remove copyright notices or claim the material as your own.

  • Repackage or sell the content as a competing commercial product.

All rights not expressly granted are reserved.

5. E-Books and Digital Products

The Website may offer e-books, guides, financial models, spreadsheets, templates, checklists and other digital products.

5.1 Product Information

Product descriptions, formats, features, prices and applicable licence conditions will be displayed on the relevant product page.

5.2 Delivery

Digital products will normally be delivered through a download link, customer account or email after successful payment. Delivery may be delayed due to technical issues, payment verification or circumstances beyond my reasonable control.

5.3 Licence for Use

Unless otherwise specified, a purchase grants you a limited, non-exclusive, non-transferable licence for personal use.

Commercial use, resale, redistribution or incorporation into client deliverables requires separate written permission where not already permitted by the product licence.

5.4 Downloads and Access

You are responsible for providing a valid email address and keeping downloaded files and account credentials secure. Download availability and access duration will be specified where applicable.

5.5 Product Compatibility

Digital products are provided in the formats and versions described at the time of purchase. I do not guarantee compatibility with every device, software version or operating system.

6. E-Book Rentals and Limited Access

Where an e-book or digital resource is offered for rental or time-limited access:

  • The rental duration will be stated on the product page before purchase.

  • Rental access does not transfer ownership or copyright to the customer.

  • Access may expire automatically at the end of the selected rental period.

  • Copying, redistributing or circumventing access restrictions is not permitted.

  • Renewal or extension, if available, may require an additional payment.

Any access limitations will be disclosed before purchase.

7. Pricing, Payments and Taxes

Prices and applicable taxes will be displayed at checkout or otherwise disclosed before the transaction is completed.

Payments may be processed through third-party payment providers, including Razorpay, Stripe or other supported payment gateways.

By completing a purchase, you authorize the applicable payment provider to process the transaction.

Payment information will be handled through the selected payment provider and the systems used by the Website. I do not intend to store complete payment card details directly on the Website unless expressly stated and handled through an appropriately compliant payment system.

Applicable taxes, including GST where required, will be charged in accordance with relevant laws.

8. Refunds, Cancellations and Returns

Refunds and cancellations are governed by the separate Refund & Cancellation Policy published on this Website.

Certain completed digital purchases may be non-refundable once access or delivery has been provided, subject to applicable law and the published Refund Policy.

If payment is deducted but the product is not delivered, or a file is materially defective or inaccessible, please contact me so that the issue can be investigated and an appropriate remedy considered.

Nothing in this section excludes any consumer right or remedy that cannot lawfully be excluded.

9. Blog Content and Professional Disclaimer

All blogs, articles, guides, examples, calculators and resources are provided for general educational and informational purposes only.

Although reasonable efforts are made to maintain accuracy, the content may not reflect the latest developments, regulations, market conditions or professional practices.

The information does not constitute individualized:

  • Accounting, audit or tax advice.

  • Legal, investment or financial advice.

  • A guarantee of business performance, profitability or savings.

  • A guarantee of career advancement, income or other professional outcomes.

You are responsible for evaluating the relevance of the information and making your own decisions. You should seek appropriate professional advice where necessary.

Examples, illustrations, case studies and financial models may rely on assumptions that do not apply to your circumstances.

10. Consulting, Mentoring and Other Services

Information about consulting, advisory, mentoring, speaking, workshops or other professional services is provided for general reference.

The scope, deliverables, timelines, fees, confidentiality arrangements and responsibilities for any engagement will be agreed separately in writing.

No professional engagement is created merely by visiting the Website, reading an article or submitting a general enquiry.

Unless separately agreed in writing, Website content does not establish an advisory, fiduciary, employment or client relationship.

11. User Comments and Submissions

Where the Website permits comments, reviews, enquiries or other submissions, you agree not to submit unlawful, defamatory, abusive or misleading content, infringing material, malicious links or unauthorized advertising.

You retain ownership of content you submit. However, you grant me permission to use, display or moderate it as reasonably necessary to operate the Website and respond to your submission, subject to the Privacy Policy and applicable law.

I may remove content that violates these Terms or applicable law.

12. Privacy and Cookies

Personal information submitted through contact forms, newsletter subscriptions, purchases or user accounts will be handled in accordance with the Website’s Privacy Policy.

The Website may use cookies, analytics tools, security technologies and similar tools to improve functionality and understand usage.

Please review the separate Privacy Policy and Cookie Policy for details about data collection, use, sharing, retention and available choices.

13. Third-Party Websites and Affiliate Links

The Website may contain links to third-party websites, products, services, payment providers or resources.

I do not control third-party websites and am not responsible for their content, availability, security or privacy practices, except to the extent required by applicable law.

Some links may be affiliate links through which I may earn a commission if you make a qualifying purchase, at no additional cost to you unless otherwise disclosed.

Applicable affiliate or sponsored-content disclosures will be provided where required.

14. Limitation of Liability

To the extent permitted by applicable law, I will not be liable for indirect, incidental, special or consequential losses arising from your use of the Website or reliance on its general informational content.

I do not warrant that the Website will always be uninterrupted, error-free, secure or free from technical issues.

Nothing in these Terms excludes or limits liability or consumer rights that cannot lawfully be excluded or limited.

15. Indemnity

To the extent permitted by law, you agree to be responsible for losses, claims or reasonable costs arising directly from your unlawful use of the Website, infringement of third-party rights or material breach of these Terms.

This clause does not apply to the extent a claim results from my own unlawful conduct or liability that cannot legally be transferred to you.

16. Suspension and Termination

I may suspend or restrict access to the Website, an account or a digital product where reasonably necessary due to security concerns, suspected fraud, unlawful activity or a material breach of these Terms.

Where appropriate, notice and an opportunity to resolve the issue will be provided. Any suspension or termination remains subject to applicable law and rights already acquired by customers.

17. Changes to These Terms

I may update these Terms to reflect changes in Website functionality, products, services, business practices or applicable law.

The updated version will be published on this page with a revised “Last Updated” date. Changes will apply from the stated effective date, subject to applicable legal requirements.

Where required, separate consent will be obtained for material changes.

18. Governing Law and Disputes

These Terms will be governed by the laws of India, subject to applicable mandatory legal provisions.

Any dispute should first be raised with me in good faith so that the parties may attempt to resolve it amicably.

Where a dispute cannot be resolved informally, it may be referred to the competent courts or forums having jurisdiction under applicable law.

Nothing in this clause restricts statutory consumer remedies or any mandatory jurisdictional rights.

19. Contact Information

For questions about these Terms, digital products, purchases, access issues or complaints, please contact:

Website Owner: [Tushar Subhash Zende ]
Website: [tusharzende.com]
Email: [tuszende@gmail.com]
Business Address: [Banglore_Karnataka 560102]
Grievance Contact: [Name and contact details, where applicable]

Please include your order number, registered email address and a brief description of the issue when contacting me about a purchase.

20. Acceptance of Terms

By using this Website or purchasing a product or service, you acknowledge that you have read and understood these Terms & Conditions, subject to applicable law.

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