Effective Date: 23-11-2023 Last Updated: 25-09-2026
Table of Contents
- Acceptance of Terms
- General Email Disclaimer
- Description of Services
- Digital Content and eBooks
- User Registration Obligations
- Privacy Policy and Personal Data
- Account Security
- User Conduct
- International Use
- Public Content
- Indemnification
- No Resale of Services
- Usage and Storage Practices
- Service Modifications
- Account Termination
- Third-Party Advertisers
- External Links
- Cookies Policy
- Disclaimer of Warranties
- Limitation of Liability
- Exclusions and Limitations
- Financial and Legal Information Disclaimer
- Notices
- Intellectual Property
- Copyright Protection and Infringement Notices
- General Provisions
- Reporting Violations
1. ACCEPTANCE OF TERMS
Welcome to pkpandya.com, the official website of Chamber of Prakash K. Pandya. We provide legal information, educational content, newsletters, and professional services through this website, subject to these Terms of Use (“Terms”), which may be updated from time to time.
By visiting or using pkpandya.com, you expressly accept and agree to be bound by these Terms. You can review the current version at: https://pkpandya.com/terms-of-use/
These Terms apply to all services offered through our website, including newsletters, educational content, blog posts, downloadable materials, and professional consultation services. Additional terms may apply to specific services and will be clearly indicated.
Important Notice: We draw your specific attention to our Anti-Bribery, Anti-Corruption, and Anti-Money Laundering Policy, which forms part of our professional standards.
2. GENERAL EMAIL DISCLAIMER
All email communications from our website are governed by the general disclaimer available on our disclaimer page at https://pkpandya.com/disclaimer/
3. DESCRIPTION OF SERVICES
Chamber of Prakash K. Pandya provides users with access to legal and educational resources, including:
- Legal Content: Articles, case analyses, legal updates, and professional commentary
- Educational Materials: Professional development content, study guides, and explanatory materials
- Digital Publications: eBooks, research papers, legal guides, and specialised content
- Interactive Educational Content: Multiple Choice Questions (MCQs), practice tests, and assessment materials
- Newsletters: Regular updates on legal, regulatory, market, and bankruptcy developments
- Professional Services: Legal consultation, mediation, insolvency services, and advisory services
- Interactive Features: User registration, subscription management, and communication tools
- Technical Resources: Website links, downloadable files, multimedia content, and online resources
All services are provided on an “AS-IS” basis. We assume no responsibility for timeliness, deletion, mis-delivery, or failure to store user communications or settings.
Access Requirements: You must obtain internet access and provide necessary equipment. Content that violates Indian law or applicable local laws is strictly prohibited.
4. DIGITAL CONTENT AND EBOOKS
Types of Digital Content: We offer digital educational and professional materials including:
- eBooks: Guides on legal topics, insolvency law, corporate law, and professional development
- Educational Content: MCQs, practice tests, quizzes, and assessment materials
- Study Materials: Legal case compilations, regulatory updates, and reference materials
- Professional Resources: Templates, checklists, procedural guides, and best practice documents
- Multimedia Content: Audio recordings, video tutorials, and interactive presentations
Licensing and Usage Rights:
General Digital Content Licence: Unless otherwise specified, all digital content is licensed for personal, non-commercial use only. You may:
- Download content for personal study and reference
- Print single copies for personal use
- Access content across your personal devices
Product-Specific Terms: Certain digital products have additional or modified terms and conditions:
- Specialised eBooks: Individual eBooks may have separate, detailed Terms and Conditions that supplement these general terms, for example the Terms and Conditions – Limited Insolvency Examination: Case Laws Compendium (eBook)
- Professional Examination Materials: Content related to specific examinations or certifications may have enhanced licensing and usage restrictions
- Institutional Products: Educational and corporate licences are governed by separate agreements
Hierarchy of Terms: In case of any conflict between these general Terms of Use and product-specific terms:
- Product-specific Terms and Conditions take precedence for the particular product
- These general Terms apply to all other aspects not specifically covered in product-specific terms
- Both sets of terms are complementary and should be read together
Restrictions: You may NOT:
- Share, distribute, or resell any digital content
- Upload content to file-sharing platforms or public repositories
- Convert digital content into Word or any other editable format, or extract its text by OCR, copy-and-paste or any other means
- Compile screenshots, photographs or scans of digital content
- Upload digital content to any artificial-intelligence tool, chatbot or large language model, whether for summarising, question generation, analysis or training
- Modify, adapt, or create derivative works from our content
- Use content for commercial training or educational programmes without written permission
- Remove, crop, mask or alter copyright notices, licence details, watermarks or proprietary markings, or circumvent any password or other protection measure
MCQ and Assessment Materials:
Usage Terms: MCQs and assessment materials are provided for:
- Personal skill development and knowledge testing
- Professional development and continuing education
- Academic study and exam preparation
Academic Integrity: Users must:
- Use MCQs and assessments honestly for self-evaluation
- Not share questions or answers in public forums or with unauthorised third parties
- Respect the educational purpose of assessment materials
eBook Specific Terms:
Access Period:
- Purchased eBooks: Perpetual access unless otherwise specified in product-specific terms
- Complimentary eBooks: Access may be time-limited as specified
- Subscription-based Content: Access duration tied to active subscription
Technical Requirements: Users are responsible for ensuring device compatibility and maintaining access to required software or applications.
Content Updates and New Editions: We may periodically update digital content to reflect legal changes, corrections, or improvements. Entitlement to updates and to new editions is as stated in the product-specific terms.
Watermarking and Security: Digital content may include watermarks, digital signatures, passwords or other security measures to prevent unauthorised distribution. Personal data furnished at purchase may be embedded in a purchased copy, visibly or invisibly, as described in clause 6 and in the product-specific terms.
Digital Rights Management (DRM): Some products may include advanced DRM protection as specified in product-specific terms.
Refund Policy: Please refer to our separate Fees and Refund Policy and any product-specific refund terms for information regarding digital content purchases.
5. USER REGISTRATION OBLIGATIONS
To use certain services, you agree to:
- Provide accurate information: All registration data must be true, accurate, current, and complete
- Maintain updated information: Promptly update your registration data when changes occur
- Comply with verification: Respond to our verification requests when necessary
Consequences of False Information: We reserve the right to suspend or terminate accounts and refuse service if information provided is false, inaccurate, outdated, or incomplete.
6. PRIVACY POLICY AND PERSONAL DATA
Privacy Policy: Your registration data and personal information are governed by our Privacy Policy, available at: https://pkpandya.com/terms-of-use/privacy/
Digital Personal Data Protection Act, 2023: We process personal data in accordance with the Digital Personal Data Protection Act, 2023 and the rules made under it, as in force from time to time.
Personal Data in Purchased Digital Products: When you purchase an eBook or other digital product, your name, email address and/or mobile number, and order or transaction ID and date of purchase may be embedded in your copy, visibly or invisibly, solely to identify the licensed copy, verify licence compliance, and detect and act against unauthorised copying or distribution. By purchasing, you consent to this processing.
Your Rights: You may seek access to, correction of, or erasure of your personal data, withdraw consent, or raise a grievance by writing to pkpandya.ebook@gmail.com. Withdrawal of consent operates prospectively. Data already embedded in a copy delivered to you forms part of that file and cannot be recalled from it. Records required for licence enforcement or by law are retained for as long as necessary for those purposes.
7. ACCOUNT SECURITY
Upon registration, you will receive login credentials. You are responsible for:
- Maintaining confidentiality of your password and account information
- Securing your account against unauthorised access
- Immediately notifying us of any security breach or unauthorised use
- Properly logging out after each session
Disclaimer: We are not liable for losses arising from your failure to maintain account security.
8. USER CONDUCT
Content Responsibility: You are solely responsible for all content you submit, post, or transmit through our services. We do not control user-generated content and do not guarantee its accuracy or quality.
Prohibited Activities: You agree NOT to use our services to:
a. Post unlawful, harmful, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable content
b. Harm minors in any way
c. Impersonate others or misrepresent your identity or affiliations
d. Manipulate technical identifiers or forge headers
e. Transmit content without proper authorisation or that infringes intellectual property rights
f. Send spam, promotional materials, or unauthorised solicitations
g. Upload malicious software or code
h. Disrupt service functionality or other users’ experience
i. Interfere with our servers, networks, or security measures
j. Violate applicable laws, including Indian securities and financial regulations
k. Harass, stalk, or collect personal data about other users
Content Moderation: We reserve the right to refuse, remove, or relocate any content that violates these Terms or is otherwise objectionable, though we are not obliged to pre-screen content.
Legal Compliance: We may preserve and disclose user content when required by law or to protect our rights and the safety of our users.
9. INTERNATIONAL USE
Users accessing our website from outside India must comply with all local laws regarding online conduct and content. You agree to comply with applicable laws regarding technical data transmission from India or your country of residence.
10. PUBLIC CONTENT
Definition: Publicly accessible areas include newsletters, forums, blogs, and other areas available to general users.
Licence Grant: For content you post in publicly accessible areas:
- Limited Licence: You grant us a worldwide, royalty-free, non-exclusive licence to display and distribute such content solely for the purpose of operating the relevant service areas
- General Content Licence: For other public content, you grant us broader rights to use, reproduce, modify, and distribute such content
- Duration: These licences exist only while you choose to maintain the content on our service
11. INDEMNIFICATION
You agree to indemnify and hold harmless Chamber of Prakash K. Pandya, its affiliates, officers, agents, and employees from any claims, damages, or expenses (including reasonable attorney fees) arising from:
- Your use of our services
- Content you submit or transmit
- Your violation of these Terms
- Your violation of others’ rights
12. NO RESALE OF SERVICES
You may not reproduce, duplicate, copy, sell, resell, or commercially exploit any portion of our services without express written permission.
13. USAGE AND STORAGE PRACTICES
We may establish reasonable limits on service usage, including:
- Email message retention periods
- Maximum message sizes and quantities
- Storage space allocation
- Access frequency and duration limits
No Liability: We are not responsible for deletion or failure to store communications or content. We reserve the right to deactivate inactive accounts and change these practices with notice to registered users.
14. SERVICE MODIFICATIONS
We reserve the right to modify, suspend, or discontinue any service (temporarily or permanently) without liability to users. Notice of significant changes will be provided to registered users by email.
15. ACCOUNT TERMINATION
Our Rights: We may terminate your account or access for any reason, including violation of these Terms or lack of use, without prior notice.
Service Discontinuation: We may discontinue providing services at any time with or without notice.
No Liability: We shall not be liable for any termination of access to our services.
16. THIRD-PARTY ADVERTISERS
Your interactions with advertisers found through our services are solely between you and the advertiser. We are not responsible for advertiser dealings, content, or any resulting loss or damage.
17. EXTERNAL LINKS
Our website may contain links to external websites or resources. We do not control these external sites and are not responsible for their:
- Availability or content
- Advertising or products
- Terms of service or privacy practices
- Any damage or loss from your use of such sites
18. COOKIES POLICY
Cookie Usage: Our website uses cookies to enhance user experience and website functionality.
Types of Cookies:
- Session Cookies: Temporary cookies for access validation
- Survey/Form Cookies: Stored for up to 90 days to prevent duplicate submissions
Cookie Management: You can modify cookie settings in your browser, though disabling cookies may limit website functionality.
Additional Information: Please refer to our complete Cookie Policy for detailed information.
19. DISCLAIMER OF WARRANTIES
EXPRESS DISCLAIMER: YOU UNDERSTAND AND AGREE THAT:
a. AS-IS BASIS: Our services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind b. NO GUARANTEES: We make no warranty regarding service reliability, accuracy, security, or error-free operation c. USER RESPONSIBILITY: You assume all risks for downloading materials or using our services d. NO IMPLIED WARRANTIES: We disclaim all implied warranties including merchantability and fitness for particular purposes
Information Disclaimer: No advice or information obtained from us creates warranties beyond those expressly stated in these Terms.
20. LIMITATION OF LIABILITY
LIABILITY LIMITATIONS: WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING:
- Loss of profits, goodwill, use, or data
- Service interruption costs
- Procurement of substitute services
- Unauthorised access to your data
- Third-party conduct on our services
- Any other service-related matters
Maximum Liability: For paid services, our liability is limited to the amount you paid for the specific service.
Consumer Rights: Nothing in these Terms excludes or limits any right you have under the Consumer Protection Act, 2019.
21. EXCLUSIONS AND LIMITATIONS
Some jurisdictions do not allow certain warranty exclusions or liability limitations. Accordingly, some limitations in clauses 19 and 20 may not apply to you.
22. FINANCIAL AND LEGAL INFORMATION DISCLAIMER
Investment Information: Our content is provided for informational purposes only. No content should be considered as trading or investment advice.
Legal Information: Legal content is for educational and informational purposes and does not constitute legal advice for specific situations.
Professional Consultation: For specific legal or financial advice, consult qualified professionals.
Enhanced Disclaimer: The disclaimers in clauses 19 and 20 apply with particular emphasis to financial and legal information provided through our services.
23. NOTICES
Communication Methods: We may provide notices by email or post to your registered address.
Website Notices: Important notices may also be displayed prominently on our website.
User Responsibility: You must maintain current contact information for effective communication.
24. INTELLECTUAL PROPERTY
Service Marks: “Chamber of Prakash K. Pandya”, the pkpandya.com logo, and related marks are our intellectual property.
Usage Restrictions: You may not use our marks, logos, or service marks without prior written permission.
Content Ownership: We retain ownership of all original content, design elements, and proprietary materials on our website. Copyright in eBooks and other publications authored by Prakash K. Pandya vests in him, as stated in the relevant product-specific terms. Protected content includes:
- eBooks and Digital Publications: All text, graphics, layouts, and formatting
- Educational Content: MCQs, practice tests, study materials, and assessment tools
- Legal Content: Articles, case analyses, commentaries, and professional insights
- Multimedia Materials: Audio recordings, video content, and interactive presentations
- Website Design: Layout, navigation, user interface, and visual elements
Digital Content Protection: Our digital content may include:
- Digital watermarks and identification codes
- Copy protection mechanisms
- Usage tracking and monitoring systems
- Authentication and access control measures
Unauthorised Use: Any unauthorised reproduction, distribution, conversion, modification, or commercial use of our intellectual property may result in legal action and claims for damages.
Attribution Requirements: When permitted use is granted, proper attribution to Chamber of Prakash K. Pandya must be maintained in all copies or derivatives.
25. COPYRIGHT PROTECTION AND INFRINGEMENT NOTICES
Copyright Respect: We respect intellectual property rights and expect users to do the same.
Notice of Infringement: If you believe that any material on this website infringes your copyright, please send a written notice containing:
- Your name, address and contact details, and whether you are the copyright owner or authorised to act on the owner’s behalf
- Identification of the copyrighted work claimed to be infringed
- The location (URL) of the material claimed to be infringing on our website
- The basis of your claim, with supporting evidence of ownership where available
- A statement that the information in the notice is accurate and made in good faith
- Your physical or electronic signature
We will examine the notice and take appropriate action, which may include removal of or disabling access to the material, in accordance with the Copyright Act, 1957, the Information Technology Act, 2000 and the rules made under them.
Copyright Contact:
Prakash K. Pandya Advocate, Insolvency Professional & Accredited Mediator Chamber of Prakash K. Pandya 16, 1st Floor, Star Trade Centre Sodawala Lane, Borivali (West) Mumbai 400092, India Phone: +91-9594982134 Email: pkpandya.ebook@gmail.com Website: pkpandya.com/contact-us/
26. GENERAL PROVISIONS
Complete Agreement: These Terms constitute the entire agreement between you and Chamber of Prakash K. Pandya regarding website use, except where specific products or services have separate, additional terms and conditions.
Product-Specific Terms: Certain products or services have additional Terms and Conditions that supplement these general terms. In such cases:
- Both sets of terms apply and should be read together
- Product-specific terms take precedence for matters specifically covered therein
- These general terms govern all other aspects of your use of our website and services
Examples of Product-Specific Terms:
- Terms and Conditions – Limited Insolvency Examination: Case Laws Compendium (eBook)
- Professional service agreements
- Specialised course or training materials
- Institutional or corporate licensing agreements
Governing Law: These Terms are governed by the laws of India, excluding conflict of law provisions.
Dispute Resolution: Any dispute arising out of or relating to these Terms or our services shall be resolved in the following sequence:
- Negotiation between the parties for fifteen (15) days from written notice of the dispute; failing which
- Mediation under the Mediation Act, 2023, which includes conciliation; failing which
- Arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996.
The seat and venue of mediation and arbitration shall be Mumbai, Maharashtra, India, and proceedings shall be conducted in English.
Urgent Relief: Nothing in this clause prevents us from approaching a competent court for urgent interim or injunctive relief against infringement of intellectual property or breach of a licence.
Consumer Rights: Nothing in this clause limits any remedy available to you under the Consumer Protection Act, 2019.
Jurisdiction: Subject to the above, the Courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction.
Assignment: We may assign our rights under these Terms to affiliates or successors.
Severability: If any provision is found invalid, the remaining provisions continue in full effect.
Waiver: Our failure to enforce any provision does not constitute a waiver of that provision.
27. REPORTING VIOLATIONS
To report violations of these Terms, please contact us through the details in clause 25 or via our website contact form.
For Questions: Contact us through our website or at the address provided in clause 25.
This document is subject to periodic updates. Users are responsible for reviewing current terms.