Last Updated: October 5th, 2025
Please read these Terms and Conditions (“Terms”, “Terms of Service”) carefully before using any product, program, or service offered by Prosperity Labs (Owned & Operated by Pankaj Krishna) (“we”, “us”, “our”).
By accessing or using our website and digital platforms, you agree to be bound by these Terms, our Privacy Policy, and Refund & Cancellation Policy.
If you do not agree with these Terms, please do not use our website or services.
Article 1: General
By using this website or purchasing any of our products or services, you agree to comply with these Terms and Conditions.
Accessing our Site in any manner — whether automated or manual — constitutes acceptance of these Terms and our Privacy Policy.
These Terms apply to all users, including visitors, students, participants, and clients of Prosperity Labs (Owned & Operated by Pankaj Krishna).
Article 1a: Age Limit
Our products and services are intended for individuals 18 years of age or older.
We do not knowingly collect or allow participation from minors under 18 years. If you are under 18, you may access our content only under the supervision of a parent or legal guardian.
If we become aware that a minor has registered or purchased a program without appropriate consent, their access will be revoked and a refund may be issued (if applicable and at our discretion).
Article 2: Nature of Services
Prosperity Labs provides digital education, online courses, coaching programs, workshops, and memberships related to personal finance, wealth creation, and holistic growth.
All our offerings are digital in nature and may be delivered through online platforms, live sessions, or recorded materials.
Article 3: Placing an Order / Enrollment
By placing an order or enrolling in a program, you represent that you:
Are legally capable of entering into a binding contract.
Have provided accurate and complete personal and payment information.
Once access is granted to the program or digital content, the order is final and non-refundable, as per our Refund Policy.
Article 4: Pricing
All prices are listed in Indian Rupees (₹) unless otherwise specified.
Prices may change at any time without prior notice.
The price applicable to your order will be the one displayed at the time of checkout.
Any promotional or discounted price is valid only during the period of the offer.
Article 5: Payment
Payment is required in full at the time of purchase.
We accept payments via authorized payment gateways, which may include credit/debit cards, UPI, net banking, and digital wallets.
By submitting payment details, you represent that:
You have the legal right to use the selected payment method.
The information provided is true and accurate.
All transactions are processed securely through trusted third-party payment processors. We do not store your payment details.
Article 6: Delivery of Digital Products
Once your payment is confirmed, you will receive access credentials (login ID, password, or course link) to your purchased product within a reasonable time frame, typically within minutes or hours.
Delivery is considered complete once access is granted or digital content is made available to you.
Since products are intangible and instantly accessible, no physical delivery applies.
Article 7: Intellectual Property
All course materials, videos, documents, and resources provided by Prosperity Labs (Owned & Operated by Pankaj Krishna) are protected by copyright and intellectual property laws.
You are granted a limited, non-transferable, and non-exclusive right to access and use the content for personal learning purposes only.
You agree not to:
Reproduce, share, resell, or redistribute course materials.
Record, copy, or publicly distribute any part of the program without written permission.
Violation of this clause may result in termination of access and potential legal action.
Article 8: Returns and Refunds
Due to the digital and intellectual nature of our offerings, all sales are final.
We do not provide refunds once access is granted, except in exceptional cases where the participant can prove that:
They have fully engaged with the program, and
The program did not deliver the promised value as outlined.
Any approved refund request must follow our official Refund & Cancellation Policy.
Article 9: Limitation of Liability
Prosperity Labs and Pankaj Krishna shall not be held liable for:
Any direct or indirect damages arising from the use or inability to use our services.
Technical issues, access delays, or data loss.
Misinterpretation or misuse of the information provided in our educational content.
All programs are for educational purposes only and should not be considered as financial, legal, or investment advice
Article 10: Changes to These Terms
We reserve the right to modify, amend, or update these Terms at any time at our discretion.
If changes are significant, we will provide notice by updating the “Last Updated” date at the top of this page.
Your continued use of the Site and Services constitutes acceptance of the revised Terms.
Article 11: Governing Law and Jurisdiction
These Terms are governed by the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts in Goa, India.
Article 12: Company Information
Prosperity Labs (Owned & Operated by Pankaj Krishna)
Registered Under: UDYAM-GA-02-0023964
📧 value@prosperitycode.in
📍 Goa, India