Policies & Legal Information

Privacy Policy

This Privacy Policy explains how Directiv LLP ("Directiv", "we", "us", or "our") collects, uses, stores, protects, and otherwise processes personal information when you access or use our website www.directiv.co.in ("Website") or use our courses, training programmes, live sessions, mentorship, community services, resources, and other services ("Services").

Directiv LLP is an LLP incorporated under the laws of India, with its business address at Haldwani, Uttarakhand – 263139, India.

By accessing our Website or using our Services, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending on how you interact with Directiv, we may collect the following categories of information:

A. Personal and Contact Information

This may include:

• Full name
• Email address
• Mobile/telephone number
• Residential or correspondence address
• Age or date of birth
• Gender, where voluntarily provided
• Other information you voluntarily provide to us

B. Identification and Verification Information

Where required for legitimate business, administrative, contractual, verification, or compliance purposes, we may collect information such as:

• PAN details
• Aadhaar details
• Identification documents
• Other government-issued identification information

We will request such information only where reasonably necessary for the relevant purpose.

C. Educational and Professional Information

Depending on the programme or service, we may collect:

• Educational qualifications
• Professional information
• Employment information
• Skills and experience
• Career-related information
• Resume/CV information
• Social-media or professional profile links

D. Payment-Related Information

When you purchase our Services, payments may be processed through third-party payment service providers such as Razorpay.

Directiv does not ordinarily store complete debit-card, credit-card, banking credentials, or other sensitive payment credentials on its own systems. Payment information may be collected and processed directly by the applicable payment service provider in accordance with its own privacy policy and terms.

E. Technical and Usage Information

When you visit our Website, we may automatically receive certain technical information, including:

• IP address
• Browser type
• Device information
• Operating system
• Website pages visited
• Date and time of access
• Referral information
• Website usage information
• Diagnostic and security information

F. Communications

If you communicate with us through email, telephone, WhatsApp, SMS, contact forms, social-media platforms, or other channels, we may retain the relevant communication and information necessary to respond to you and maintain appropriate records.

2. How We Use Your Information

We may process your information for purposes including:

• Providing and administering our Services
• Enrolling you in courses and training programmes
• Providing live sessions, mentorship, community access, and resources
• Processing and confirming payments
• Managing refunds and cancellations
• Communicating with you regarding your purchase or participation
• Providing customer support
• Scheduling sessions and programmes
• Sending service-related notifications
• Sending educational and informational communications
• Sending promotional and marketing communications, where permitted
• Improving our courses, Website, Services, and user experience
• Preventing fraud, misuse, unauthorised access, or other unlawful activity
• Maintaining business, financial, tax, accounting, and legal records
• Complying with applicable laws and legal obligations
• Protecting our rights, property, users, and Services
• Any other purpose communicated to you at the time information is collected

3. Marketing Communications

Where you provide your contact information, Directiv may communicate with you through:

• Email
• Telephone calls
• WhatsApp
• SMS
• Other electronic communication channels

These communications may include information about our Services, courses, programmes, events, offers, educational material, and other Directiv activities.

Where applicable, you may opt out of promotional communications by following the unsubscribe instructions provided in the communication or contacting us at contact@directiv.co.in.

Please note that opting out of promotional communications will not necessarily stop essential service-related communications, such as payment confirmations, account information, programme updates, or important notices.

4. Sharing of Information

We do not sell your personal information as a standalone product.

We may share information with trusted third parties where reasonably necessary to operate our business and provide our Services, including:

• Payment service providers such as Razorpay
• Email and communication service providers
• WhatsApp or communication platforms
• Cloud storage and productivity providers
• Website hosting and technology providers
• Analytics and security service providers
• Video-conferencing providers such as Zoom or Google Meet
• CRM and customer-management providers
• Scheduling and registration providers
• Professional advisers, consultants, accountants, auditors, or legal advisers
• Government authorities or law-enforcement agencies where required by law
• Other service providers acting on our behalf

Third parties may process information according to their own terms and privacy policies and, where applicable, contractual obligations with Directiv.

5. Data Security

Directiv takes reasonable technical and organisational measures designed to protect personal information against unauthorised access, misuse, alteration, disclosure, loss, or destruction.

However, no electronic transmission, storage system, or online service can be guaranteed to be completely secure.

Accordingly, while we take reasonable precautions, we cannot guarantee absolute security of information transmitted to or stored by us.

6. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing Services, maintaining business and financial records, resolving disputes, enforcing agreements, preventing fraud, and complying with legal obligations.

When information is no longer reasonably required, we may delete, anonymise, or otherwise securely dispose of it, subject to applicable legal and regulatory requirements.

7. Children's Information

Directiv's Services may be accessible to individuals below 18 years of age.

Where applicable law requires parental or guardian involvement or consent for processing a minor's personal information, the relevant parent or lawful guardian is responsible for providing the required consent and ensuring that the minor uses the Services appropriately.

We do not knowingly seek to collect more personal information from minors than is reasonably necessary to provide the relevant Service.

Parents or lawful guardians who believe that a minor has provided information to Directiv in circumstances where it should not have been provided may contact us at contact@directiv.co.in.

8. Your Privacy Rights

Subject to applicable law, you may have rights relating to your personal information, including the ability to:

• Request information about the personal data processed by us
• Request correction of inaccurate or incomplete information
• Request deletion of personal information where legally applicable
• Withdraw consent where processing is based on consent
• Raise a grievance concerning our processing of personal information
• Exercise other rights available under applicable data-protection law

Requests may be submitted to contact@directiv.co.in.

We may need to verify your identity before processing certain requests.

9. Withdrawal of Consent

Where processing is based on your consent, you may withdraw consent by contacting us.

Withdrawal of consent will not affect the lawfulness of processing carried out before the withdrawal.

Withdrawal may also affect our ability to provide certain Services where the relevant information is necessary for those Services.

10. Cookies and Similar Technologies

Directiv may use cookies and similar technologies that are necessary for the operation, security, functionality, and basic performance of the Website.

Our Website is intended to use essential cookies only and does not intentionally use non-essential advertising cookies for behavioural advertising.

For more information, please refer to our separate Cookie Policy.

11. Third-Party Websites and Services

Our Website or communications may contain links to third-party websites, applications, platforms, or services.

Directiv is not responsible for the privacy practices, security, content, or policies of third parties.

We recommend reviewing the privacy policy of any third-party service before providing personal information to that service.

12. International Processing

Some third-party technology, communication, payment, hosting, analytics, or other service providers may process information outside India.

Where personal information is transferred or processed outside India, Directiv will seek to do so in accordance with applicable Indian law and applicable contractual or organisational safeguards.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, technology, business practices, or applicable law.

The updated version will be published on the Website with a revised "Last Updated" date.

14. Contact Us

For privacy-related questions, requests, or grievances, please contact:

Directiv LLP
Haldwani, Uttarakhand – 263139, India
Email: contact@directiv.co.in
Website: www.directiv.co.in

By using our Website and Services after an updated Privacy Policy has been published, you acknowledge the updated policy to the extent permitted by applicable law.

Terms & Conditions

Welcome to Directiv.

These Terms & Conditions ("Terms") govern your access to and use of www.directiv.co.in, together with your purchase and use of Directiv's courses, training programmes, live sessions, mentorship, community access, educational resources, and related Services.

The Website and Services are operated by Directiv LLP, having its business address at Haldwani, Uttarakhand – 263139, India.

By accessing the Website, registering for a programme, making a payment, or using any Directiv Service, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use the Website or purchase our Services.

1. About Directiv

Directiv provides educational and training programmes relating primarily to:

• Financial education and financial literacy
• Content creation
• Skills development
• Training and mentorship
• Educational resources
• Live and recorded sessions
• Community-based learning

Directiv's Services are educational and training-oriented.

2. Eligibility

Individuals may use our Services subject to applicable law.

Where a participant is below 18 years of age, participation may be subject to parental or lawful guardian involvement or consent where required by applicable law.

By registering for our Services, you confirm that the information provided by you is accurate and complete.

3. Services

Depending on the programme purchased, Services may include:

• Online courses
• Live classes
• Recorded educational material
• Mentorship
• Guidance sessions
• Community access
• Educational resources
• Assignments or activities
• Other services expressly described on the relevant programme page

The exact content, schedule, duration, format, instructors, features, and availability may vary between programmes.

Directiv may reasonably modify the structure, schedule, instructors, delivery method, or educational material where necessary to improve or properly administer the programme.

4. Programme Fees

The standard listed price for the relevant Directiv programme may be ₹7,499, unless another price is expressly displayed or communicated by Directiv.

Prices may be changed from time to time.

The applicable price at the time of purchase will ordinarily govern that purchase, subject to applicable law.

5. Payments

Payments may be processed through third-party payment providers, including Razorpay.

By making a payment, you agree to provide accurate payment and billing information and authorise the applicable payment provider to process the transaction.

Directiv does not ordinarily store complete card or banking credentials.

Payment processing may also be subject to the payment provider's own terms and policies.

6. Refund and Cancellation

Unless otherwise stated for a particular Service, Directiv provides a 48-hour refund window from the time of purchase.

A refund request must be submitted within 48 hours of the purchase.

Refund requests may be submitted to contact@directiv.co.in.

Where a refund is approved, the refund will ordinarily be processed through the applicable payment mechanism or payment provider.

The time taken for the refunded amount to appear in the customer's account may depend on the payment provider or financial institution.

Directiv reserves the right to investigate refund requests involving suspected fraud, misuse, abuse, unauthorised transactions, or violation of these Terms.

Any mandatory consumer rights available under applicable law will not be excluded by this policy.

7. No Guarantee of Results

Directiv provides educational and training Services.

Participation in a course, programme, mentorship, or training does not guarantee:

• Employment
• Business success
• Income
• Financial independence
• Investment returns
• Number of customers or followers
• Social-media growth
• Content-creation success
• Any specific professional or financial outcome

Results depend on numerous factors, including individual effort, knowledge, skills, market conditions, consistency, execution, and circumstances outside Directiv's control.

8. Financial Education Disclaimer

Directiv's finance-related content is provided solely for general educational and informational purposes.

Directiv does not provide personalised investment advice, portfolio management, securities recommendations, financial advisory services, tax advice, legal advice, or a recommendation to purchase, sell, or hold any particular financial product or security, unless expressly stated otherwise and legally authorised.

Participants should independently evaluate financial decisions and, where appropriate, consult a qualified and authorised professional.

Nothing provided through Directiv's educational material should be interpreted as a guarantee of financial returns or a promise of future performance.

9. Content Creation Disclaimer

Directiv may provide educational guidance relating to content creation, social media, branding, audience development, communication, and related skills.

Such guidance does not guarantee a particular number of followers, views, subscribers, leads, customers, revenue, or other results.

Platform algorithms, policies, audience behaviour, competition, market conditions, and other factors may affect results.

10. Intellectual Property

Unless otherwise stated, all materials provided by Directiv are owned by or licensed to Directiv and are protected by applicable intellectual-property laws.

This may include:

• Course content
• Videos
• Recordings
• Presentations
• Documents
• Notes
• Templates
• Graphics
• Logos
• Branding
• Website content
• Training materials
• Educational frameworks
• Other proprietary materials

Your purchase provides you with a limited, personal, non-exclusive, non-transferable right to access and use the purchased materials for your own educational purposes.

You may not, without prior written permission:

• Copy or reproduce course material for commercial purposes
• Sell or resell Directiv content
• Share paid course credentials
• Distribute recordings
• Upload Directiv material to public platforms
• Create competing commercial products substantially based on Directiv's proprietary materials
• Remove copyright or proprietary notices
• Claim Directiv's material as your own

11. Account and Access

Where an account or login is provided, you are responsible for maintaining the confidentiality of your login information.

You must not knowingly share paid account credentials with other persons.

Directiv may suspend or terminate access where there is reasonable evidence of:

• Credential sharing
• Unauthorised access
• Fraud
• Abuse
• Copyright infringement
• Misuse of Services
• Material violation of these Terms

12. User Conduct

You agree not to:

• Use the Website for unlawful purposes
• Attempt to gain unauthorised access to systems
• Interfere with Website functionality
• Upload malicious software
• Scrape or systematically extract Website content without permission
• Misrepresent your identity
• Harass Directiv personnel, instructors, or other participants
• Disrupt training sessions or communities
• Share confidential participant information
• Circumvent access controls
• Use Directiv's Services to facilitate unlawful activity

13. Community and Live Sessions

Where Directiv provides community groups, live sessions, discussion forums, or similar environments, participants are expected to behave respectfully.

Directiv may remove content, restrict participation, or suspend access where a participant engages in abusive, threatening, discriminatory, fraudulent, disruptive, or otherwise inappropriate conduct.

14. Third-Party Platforms

Certain Services may be delivered through third-party platforms such as:

• Razorpay
• Zoom
• Google Meet
• WhatsApp
• Google services
• Email platforms
• CRM systems
• Other technology providers

Your use of those platforms may also be governed by their respective terms and policies.

Directiv is not responsible for outages, changes, or failures of third-party platforms beyond Directiv's reasonable control.

15. Website Availability

We seek to maintain the Website and Services in a reliable manner but do not guarantee uninterrupted or error-free availability.

The Website or certain Services may occasionally be unavailable because of maintenance, technical issues, security incidents, third-party failures, internet disruptions, or circumstances beyond our reasonable control.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Directiv shall not be liable for indirect, incidental, special, consequential, or unforeseeable losses arising from the use of the Website or Services.

Nothing in these Terms is intended to exclude or restrict any liability that cannot lawfully be excluded or restricted under applicable law.

17. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold harmless Directiv LLP and its personnel from claims, losses, liabilities, damages, costs, or expenses arising from your unlawful use of the Website or Services, violation of these Terms, infringement of third-party rights, or misuse of Directiv's materials.

18. Changes to Services

Directiv may modify, update, replace, suspend, or discontinue portions of the Website or Services where reasonably necessary.

Where a material change substantially affects a purchased Service, Directiv will take reasonable steps to communicate the relevant change.

19. Privacy

Your use of the Website and Services is also governed by our Privacy Policy.

Please review the Privacy Policy to understand how Directiv collects and processes personal information.

20. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable consumer-protection and other mandatory laws, disputes shall be subject to the jurisdiction of the competent courts having jurisdiction over the applicable matter.

Nothing in these Terms is intended to prevent a consumer from exercising any statutory right or remedy available under applicable law.

21. Changes to These Terms

Directiv may update these Terms from time to time.

The updated Terms will be published on the Website with a revised "Last Updated" date.

Your continued use of the Website or Services after the updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

22. Contact

For questions regarding these Terms, please contact:

Directiv LLP
Haldwani, Uttarakhand – 263139, India
Email: contact@directiv.co.in
Website: www.directiv.co.in

Refund & Cancellation Policy

This Refund & Cancellation Policy applies to purchases made for courses, training programmes, live sessions, mentorship, community access, educational resources, and other paid Services provided by Directiv LLP ("Directiv", "we", "us", or "our").

1. Refund Window

Directiv provides a 48-hour refund window for eligible purchases.

A participant may request a refund within 48 hours from the time the payment is successfully completed.

The refund request must be submitted within this period.

2. How to Request a Refund

To request a refund, contact: contact@directiv.co.in

The request should include:

• Full name
• Registered email address
• Registered mobile number
• Purchase/order/payment reference, if available
• Date and approximate time of purchase
• Reason for requesting the refund

Directiv may request additional information reasonably necessary to verify the purchase and process the request.

3. Refund Processing

Once a valid refund request is approved, Directiv will initiate the refund through the applicable payment mechanism or payment provider.

The time required for the amount to reflect in your bank account, card, UPI account, or other payment method may depend on the relevant payment provider and financial institution.

Directiv does not control the processing time after the refund has been initiated.

4. Requests After 48 Hours

Refund requests submitted after the 48-hour period may not ordinarily be eligible for a refund.

However, Directiv may consider exceptional circumstances at its reasonable discretion and subject to applicable law.

5. Fraudulent or Unauthorised Transactions

If you believe a transaction was unauthorised or fraudulent, you should contact Directiv immediately at: contact@directiv.co.in

You should also contact your relevant bank or payment provider where appropriate.

Directiv may investigate transactions before processing a refund.

6. Cancellation by Directiv

Directiv may cancel, reschedule, suspend, or modify a programme where reasonably necessary because of:

• Technical problems
• Instructor availability
• Operational reasons
• Force majeure events
• Security concerns
• Other circumstances beyond reasonable control

Where Directiv cancels a purchased Service and applicable law or Directiv's circumstances require a refund, Directiv will communicate the applicable refund or alternative arrangement.

7. Duplicate Payments

If you have accidentally made a duplicate payment for the same Service, please contact us promptly with the relevant transaction details.

After verification, the duplicate payment may be refunded through the applicable payment mechanism.

8. Consumer Rights

Nothing in this Refund & Cancellation Policy is intended to remove, restrict, or override any mandatory consumer right or remedy available under applicable Indian law.

9. Changes to This Policy

Directiv may update this Refund & Cancellation Policy from time to time.

The latest version will be published on the Website with the relevant effective date.

10. Contact

Directiv LLP
Haldwani, Uttarakhand – 263139, India
Email: contact@directiv.co.in
Website: www.directiv.co.in

Cookie Policy

This Cookie Policy explains how Directiv LLP ("Directiv", "we", "us", or "our") uses cookies and similar technologies on www.directiv.co.in ("Website").

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website.

They can help websites operate correctly, remember preferences, maintain security, and understand basic website usage.

2. Cookies Used by Directiv

Directiv intends to use essential cookies only.

Essential cookies are necessary for the Website to function properly and may support functions such as:

• Website security
• Session management
• Login and authentication
• Basic website functionality
• Maintaining user preferences necessary for Website operation
• Preventing fraudulent or abusive activity

These cookies are not intended to be used for behavioural advertising.

3. Third-Party Technologies

Certain third-party services used by Directiv may use cookies or similar technologies as part of their own services.

For example, third-party technology providers may be involved in:

• Payment processing
• Video conferencing
• Website hosting
• Security
• Communication
• Embedded content
• Website functionality

Such third parties may process information according to their own privacy policies and terms.

4. Managing Cookies

You can generally manage or delete cookies through your browser settings.

You may be able to:

• Block cookies
• Delete existing cookies
• Receive notifications before cookies are stored
• Restrict certain types of cookies

However, disabling essential cookies may cause portions of the Website to function incorrectly.

5. Cookie Consent

Where required by applicable law, Directiv may display a cookie-consent mechanism allowing users to manage non-essential cookies.

Directiv currently intends to limit its own Website cookies to those necessary for essential Website functionality.

6. Changes to This Cookie Policy

We may update this Cookie Policy when our technology, Website functionality, third-party services, or applicable legal requirements change.

The updated version will be published on this page with a revised "Last Updated" date.

7. Contact Us

If you have questions regarding this Cookie Policy, please contact:

Directiv LLP
Haldwani, Uttarakhand – 263139, India
Email: contact@directiv.co.in
Website: www.directiv.co.in

Finance Education Disclaimer

Directiv LLP provides educational and training content relating to financial literacy, personal finance, financial concepts, and related subjects.

All finance-related information provided by Directiv is intended solely for general educational and informational purposes.

Directiv does not provide personalised financial advice, investment advice, portfolio management, securities recommendations, tax advice, legal advice, or any other regulated professional advisory service unless expressly stated and legally authorised.

Nothing contained in any Directiv course, session, video, presentation, document, communication, community, or other educational material should be interpreted as a recommendation or solicitation to purchase, sell, hold, or otherwise transact in any particular security, investment, financial product, or instrument.

Financial markets and individual financial circumstances involve risks. Past performance does not guarantee future results.

Directiv does not guarantee any particular financial outcome, investment return, income, profit, savings, wealth, or financial independence as a result of participating in its programmes.

Participants are responsible for evaluating their own financial circumstances and decisions. Where appropriate, participants should seek advice from a qualified and appropriately authorised financial, tax, legal, or other professional before making financial decisions.

By using Directiv's finance-related educational Services, you acknowledge that the information is educational in nature and that you remain responsible for your own financial decisions.