1. DEFINITIONS

• Owner, We, Us, Our: Refers to Umashree Taparia, sole proprietor and operator of the website umashreetaparia.com, including any staff, affiliates, or authorized service providers acting on her behalf.

• User, You, Your, Client: Refers to any individual or entity who accesses the Website, purchases products, or engages with the Services.

• Parties: Collectively refers to both the Owner and the User.

2. ASSENT & ACCEPTANCE

By using the Website, you confirm that you have read, understood, and agree to be legally bound by these Terms of Service, along with our Privacy Policy and any other guidelines or disclaimers posted on the site. Continued use of the Website following the publication of updates to these terms constitutes your acceptance of the changes.

3. ABOUT THE SITE

umashreetaparia.com is a digital platform offering:

• Premium and free gouache and watercolor art courses

• Guided creative challenges and live workshops

• Downloadable painting resources (PDFs, supply guides, etc.)

• Access to private artist communities for peer connection and feedback

• Inspirational content rooted in creativity, expression, and gentle encouragement

This Website is designed for educational and creative development. It is not intended for resale, reproduction, or redistribution of its contents. We reserve the right to modify or discontinue the Website or Services at any time.

4. LICENSE TO USE WEBSITE

The Owner grants you a limited, revocable, non-exclusive license to access and use the Website and its content solely for personal, non-commercial use. You may not:

• Reproduce or distribute any part of the content for commercial gain

• Modify or create derivative works based on course materials

• Share access credentials or transfer your course account

Violation of these terms will result in immediate termination of your access without refund, and may lead to legal action.

5. INTELLECTUAL PROPERTY

All materials on this Website—including but not limited to course videos, lesson PDFs, artwork, images, logos, brand assets, writing, and design—are protected under applicable intellectual property laws and are the exclusive property of the Owner.

By posting or submitting any content to the Website or associated platforms (e.g., Facebook groups, Instagram tags or DMs), you grant the Owner a non-exclusive, royalty-free, worldwide license to use, publish, and display your submission for educational or promotional purposes, unless otherwise agreed in writing.

6. USER OBLIGATIONS

When using the Website, you agree to:

• Provide truthful and complete information during registration

• Keep your account credentials confidential

• Notify us of any unauthorized access or suspicious activity

• Avoid sharing course content with others outside your account

Any violation of these obligations may result in immediate suspension or termination of your account.

7. PAYMENTS & FEES

All prices listed are final unless stated otherwise. Payments are securely processed via third-party gateways (e.g., Stripe, Razorpay, ThriveCart). Payment plans, where offered, are binding. By selecting a split-pay or installment option, you commit to paying the full course fee across the designated schedule.

Refund Policy: All purchases are non-refundable due to the digital and intellectual property nature of our content. Please review course descriptions and previews carefully before purchase.

8. ACCEPTABLE USE

You agree not to use the Website or Services to:

• Harass, threaten, or infringe upon the rights of others

• Spread malware or spam

• Attempt to bypass security features

• Publish or distribute unlawful, defamatory, or discriminatory content

We reserve the right to report violations to relevant authorities and ban access permanently.

9. COMMUNICATION

By using the Website, you agree to receive updates, promotional emails, and service-related communication from us. You may opt out of marketing emails at any time, but not transactional messages related to purchases.

10. PRIVACY INFORMATION

We collect information such as your name, email address, location, and course activity to provide a seamless experience. Cookies may be used to personalize content and analyze performance. Disabling cookies may limit your use of certain features.

We will never sell your data to third parties. For full details, please refer to our Privacy Policy.

11. SALE OF GOODS/SERVICES

Our digital courses and resources are clearly described on their respective sales pages. All efforts are made to ensure accuracy in product descriptions, images, and features. However, we cannot guarantee results or experiences as learning is subjective and self-paced.

12. REVERSE ENGINEERING & SECURITY

You agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of our platforms

• Engage in activities that compromise security or the integrity of our systems

13. DATA LOSS

We maintain a secure infrastructure but are not responsible for data loss resulting from user error, hacking, or third-party service failures. You are advised to keep your own backups of any shared submissions or assignments.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Owner and affiliates from any claims, damages, liabilities, or costs (including attorney's fees) arising from your misuse of the Website, breach of these Terms, or violation of rights of a third party.

15. SPAM POLICY

We maintain a zero-tolerance policy toward spam. You may not use this Website, its Services, or associated platforms to:

• Collect email addresses or personal data without consent

• Send unsolicited or bulk communications (commercial or otherwise)

• Post promotional content not related to our Services within community areas

• Impersonate the Owner or create misleading communications

Violations of this policy may result in immediate termination of your account, removal from communities, and reporting to the appropriate authorities.

16. THIRD-PARTY LINKS

Our Website may include references or links to external websites, services, or products that are not owned or operated by the Owner. These are provided solely for your convenience and educational interest.

We do not control or endorse the content, offerings, or privacy practices of these third-party websites and are not responsible for any harm or damages arising from your access to or use of such third-party resources.

Before engaging with any third-party website, you should review their terms, conditions, and privacy policies. Your interactions with any third party are solely between you and the third party.

17. MODIFICATION OF TERMS

We reserve the right to update, modify, or revise these Terms & Conditions at any time and for any reason. Changes may reflect new features, legal compliance, or business updates.

Modifications will be posted on this page with the revised “Effective Date.” It is your responsibility to review these Terms periodically to stay informed of any changes. Continuing to use the Website after such modifications indicates your acknowledgment and agreement to the updated Terms.

If you do not agree to the modified Terms, you should discontinue use of the Website and its Services. Any previous version of the Terms will be superseded by the most recent version unless otherwise stated explicitly.

18. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and disclaimers, constitute the entire agreement between you and the Owner regarding your use of the Website.

19. SERVICE INTERRUPTIONS

We strive to ensure uninterrupted access but do not guarantee 100% uptime. Planned or emergency maintenance may affect availability.

20. TERMINATION

We reserve the right to terminate or suspend your access without notice for violation of these Terms. Outstanding payments will remain due.

21. NO WARRANTIES

All Services are offered “as is” without warranties of any kind. We make no guarantees regarding course outcomes, access stability, or accuracy of third-party links.

22. LIMITATION OF LIABILITY

To the fullest extent permitted under applicable law, the Owner shall not be liable for any direct, indirect, incidental, consequential, or special damages that result from the use of, or the inability to use, the Website or Services. This includes but is not limited to damages for errors, omissions, interruptions, defects, delays, computer viruses, loss of profits, data, goodwill, or other intangible losses, even if the Owner has been advised of the possibility of such damages.

This limitation applies to all causes of action, whether based on contract, tort (including negligence), strict liability, or any other legal theory. You acknowledge and agree that your sole and exclusive remedy for dissatisfaction with the Website, Services, or any related content is to stop using the Website and Services.

23. GOVERNING LAW & JURISDICTION

These Terms & Conditions and any separate agreements whereby we provide you Services shall be governed and construed in accordance with the laws of the State of Maharashtra, India, without regard to its conflict of law provisions.

By accessing or using the Website and Services, you irrevocably agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the courts located in Mumbai, Maharashtra, and you hereby consent to the jurisdiction and venue of such courts.

You further waive any objection based on forum non conveniens or similar grounds. This includes any objection to the laying of venue based on inconvenience or the location of evidence or witnesses.

In the event of a dispute, the parties agree to first attempt to resolve the matter through mutual discussion and negotiation. If the matter remains unresolved, both parties may seek remedy through the appropriate legal forum in Mumbai, Maharashtra.

Nothing in these Terms shall prevent the Owner from seeking injunctive relief in any jurisdiction to protect its intellectual property or confidential information.

This section is intended to ensure clarity and fairness in the event of any legal proceedings and to provide a predictable legal environment for both you and the Owner.

24. RELIGIOUS DISCLAIMER

Some content may reference concepts from Hindu philosophy, such as karma or dharma, as part of broader creative or personal development discussions. These are shared with respect and inclusivity, without promoting any religious doctrine.

We welcome individuals from all backgrounds, and participation in such content does not require adherence to any specific faith. We encourage open-minded engagement with all philosophical references.

25. MEDICAL DISCLAIMER

Our content is not intended to diagnose, treat, or provide medical advice. If you are dealing with trauma, anxiety, depression, or emotional distress, we encourage you to seek guidance from licensed mental health professionals.

Information presented on the Website or within courses is provided for educational and informational purposes only. The Owner does not assume responsibility for any consequences arising from the use or misuse of this content.

Using the Website does not constitute a professional-client relationship. You remain fully responsible for your own physical, emotional, and mental well-being.