Terms and Conditions of Service

Website: loksanket.com | Effective Date: 14 November 2025

Welcome to loksanket.com. These Terms and Conditions ("Terms") govern your access and use of the website and all content, services, and products, including free and paid content (collectively, the "Service"). By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these legally binding Terms. If you do not agree to these Terms, you must not use the Service.

1. User Accounts and Eligibility

• Minimum Age: You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
• Account Security: You are fully responsible for all activities that occur under your account. You must maintain the confidentiality of your password and notify us immediately of any unauthorized use.
• Accurate Information: You agree to provide current, complete, and accurate registration data and to update it promptly as necessary.

2. Intellectual Property and Content Use

All original content provided on loksanket.com, including all digital files, articles, graphics, and the site design, are the exclusive property of loksanket.com and are protected by copyright, trademark, and other intellectual property laws.

• Limited License: We grant you a limited, non-transferable, revocable license to access and use the Service strictly for your personal, non-commercial use.
• Restrictions: You are expressly prohibited from downloading, modifying, copying, distributing, transmitting, displaying, selling, or creating derivative works from any content, especially paid content, without our prior written consent. Sharing paid accounts or content access is strictly forbidden and grounds for immediate termination.

3. Paid Services and Billing

• Payment Processor: All payments for subscriptions and paid content are handled by our secure third-party payment gateway, Razorpay. We do not store your sensitive financial details. You agree to abide by Razorpay’s terms and conditions.
• Pricing: Pricing is subject to change. However, we will notify you of any material price changes before they affect your current billing cycle.
• Refunds: Unless explicitly stated otherwise during checkout or required by local law, all fees are non-refundable. Our refund policy is available separately and forms part of these Terms.
• Automatic Renewal: Subscriptions may be set to automatically renew. You can manage or cancel your subscription renewal settings through your account dashboard prior to the renewal date.

4. Acceptable Use Policy

You agree not to use the Service for any purpose that is prohibited by these Terms or by applicable law. Prohibited uses include, but are not limited to:

• Engaging in any unlawful, harmful, or fraudulent activity.
• Transmitting spam, chain letters, or unsolicited mass email via the Service.
• Attempting to gain unauthorized access to the Service, user accounts, or computer systems or networks connected to the Service.
• Uploading or distributing any material that is defamatory, obscene, indecent, hateful, or invasive of another person's privacy.

5. Strong Disclaimer of Warranties

THIS SECTION IS CRITICAL FOR YOUR LEGAL PROTECTION. PLEASE READ CAREFULLY.

• AS IS BASIS: The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Service or the information, content, or materials included therein.
• NO PROFESSIONAL ADVICE: All content provided on loksanket.com (whether free or paid) is for general informational purposes only and does not constitute professional, financial, legal, medical, or any other type of specialized advice. You should not rely solely on the information provided here. You must consult with a qualified professional for advice tailored to your specific situation.
• ACCURACY: While we strive for accuracy, we do not warrant that the content is complete, reliable, current, or error-free. Your reliance on the information is solely at your own risk.

6. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall loksanket.com, its affiliates, directors, employees, or agents be liable for any indirect, incidental, special, punitive, or consequential damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or inability to access or use the Service;
• Any conduct or content of any third party on the Service (e.g., Google AdSense or Razorpay);
• Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory.

7. Indemnification (Defense and Protection)

You agree to defend, indemnify, and hold harmless loksanket.com, its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Service, including any data or content transmitted or received by you;
• Your violation of any term of these Terms, including without limitation, your breach of any of the representations and warranties above;
• Your violation of any third-party right, including without limitation any intellectual property right or privacy right.

8. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.
You agree that any legal action or proceeding arising under these Terms will be brought exclusively in the competent courts located in India.

9. Termination

We reserve the right, in our sole discretion, to terminate or suspend your account and deny access to the Service immediately, without prior notice or liability, for any reason whatsoever, including, but not limited to, a breach of these Terms.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use the Service after those revisions become effective, you agree to be bound by the revised terms.

11. Contact Information

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