KGC is a proprietorship firm (proprietor Karan Gupta) registered in Mumbai, India. Business Education Services (BES) is a partnership firm (partners Karan Gupta and Mridula Gupta) that works as a direct affiliate of KGC. Our registered office is Commerce Center, 78 Tardeo Road, Mumbai 400034 and our admin office is Mitra Kunj, 16 Pedder Road, Mumbai 400026. India. All terms below refer to KGC and BES and wherever KGC is mentioned, it will be deemed as and applied to BES as well. You agree that your use of this website is subject to the following Terms and Conditions. These Terms and Conditions may be modified at any time and from time to time; the date of the most recent changes or revisions will appear on this page. Continued access to the website by you will constitute your acceptance of any changes or revisions to this Agreement. If you do not agree with the Terms and Conditions, please do not use this website. For the following Terms and Conditions, the terms "we", "us", and "our" refer to the above mentioned organisation – Karan Gupta Consulting (KGC):

1. Any fees paid to Karan Gupta Consulting (KGC) and Business Education Services (BES) are non refundable and non transferable under any circumstances. We start working on your profile as soon as you enroll with us and invest a considerable amount of time and expertise in this process and hence even if you do not use the service or change your mind or are not satisfied with the content, you will not be entitled to a refund. Any disputes will strictly be governed by courts of Mumbai, India and governed by the laws of the Republic of India.Karan Gupta Consulting (KGC) will moderate discussion groups and individual posts as much as possible. However, it is your responsibility not to post any messages which are obscene, vulgar, sexually offensive, hateful, threatening or otherwise prohibited by any law in India and/or your local area.

2. The materials contained on this website are provided by us as a service to you for your noncommercial, personal use on an "as is, as available" basis and may be used by you for information purposes only. You acknowledge that you are using this website at your own risk.

3. We do not assume any responsibility for error or omissions in these materials. We make no commitment to update the information contained herein.

4. Karan Gupta Consulting (KGC) does not control and are not responsible for, any third-party site to which this website links.

5. We make no, and expressly disclaims any and all, representations or warranties, expressed or implied, regarding our website, including without limitation the accuracy, completeness, or reliability of text, graphics, links, products and services, and other items accessed from or via the website, or that the website will be uninterrupted, error-free, or free of viruses or other harmful components. No advice or information given by us or any other party on the website shall create any warranty or liability.

6. We do not warrant or make any representations regarding the use or the results of the use of the materials at the website in terms of their correctness, accuracy, timeliness, reliability, or otherwise. Under no circumstances shall Karan Gupta Consulting (KGC) or any of its parents, subsidiaries, affiliates, or their respective partners, officers, directors, employees, or agents be held liable for any damages, whether direct, incidental, indirect, special, or consequential, and including, without limitation, lost revenues or lost profits, arising from or in connection with your use, reliance on, or performance of the information on the website.

7. Karan Gupta Consulting (KGC) periodically schedules system downtime for maintenance and other purposes. Unplanned outages also may occur. We shall have no liability for the resulting unavailability of the website or for any loss of data or transactions caused by planned or unplanned system outages, or any outages of webhost providers or the Internet infrastructure and network external to the website.

8. The SAT, GMAT, GRE, TOEFL, IELTS, ACT and PTE are registered trademarks of their respective organisations who were not involved in the production of, and do not endorse our website or services.

9. Any fees paid to Karan Gupta Consulting (KGC) are non refundable under any circumstances. Even if you do not use the service or change your mind or are not satisfied with the content, you will not be entitled to a refund.

10. People who purchase Karan Gupta Consulting (KGC) premium online content are not permitted to share, distribute, sell, or otherwise transfer their password or services to other individuals. The password and services are for the purchaser's sole use only. Significant or unusual use of a single password (including but not limited to significant use of a single password on multiple computers) could result in suspension of that password. In such cases no refund will be given to the purchaser.

11. Premium online content is protected by international copyright laws, and may not be reproduced, republished, distributed, transmitted, resold, displayed, broadcast, or otherwise exploited in any manner without the express written permission of Karan Gupta Consulting (KGC).

12. Karan Gupta Consulting (KGC) generally collects personally identifiable information such as name, postal address, e-mail address, telephone number, and/or credit card information with your specific knowledge and consent.

13. When you register for Karan Gupta Consulting (KGC) premium content you will be asked to supply certain personally identifying information, which is then retained by us. If you choose to give us personally identifying information at such time, such information will be retained by us and used only to provide you with products or services you have requested, or with additional information from Karan Gupta Consulting (KGC), or selected outside companies whose products or services we feel may be of use to you.

14. If, at some point after giving us your personally identifying information, you do not wish to continue to receive additional information from Karan Gupta Consulting (KGC), its affiliates, or selected outside companies, in general, you may opt out by sending an email with the words "unsubscribe" in the subject line of your email or change your email settings in your profile manager.

15. We reserve the right to use individual information to create aggregated data about users in order to develop statistics about activity on and visitors to our website. In addition, Karan Gupta Consulting (KGC) may disclose personal information if we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of the website; or (4) protect the personal safety, property, or rights of our users or the public.

16. We place cookies on your computer in a limited way to help deliver advertisements, to calculate unique site visitors, and to track usage throughout our site. Other uses include placement of cookies to make the login process more convenient for users of our premium online content. In addition, some advertisers may place cookies on your computer. We do not have control over cookies placed by advertisers.

17. Google, as a third party vendor, uses cookies to serve ads on your site. Google's use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

18. For online premium content, we may ask you to provide your credit card information so that we can process your payment. During the ordering process, such credit card information is transmitted to a credit card processing company who then charge your credit card on our behalf.

19. No one under the age of 18 should provide any financial or even personal information. In general, Karan Gupta Consulting (KGC) does not knowingly collect personally identifiable information from children under 18. In the event that we learn that we have collected information from a child under the age of 18 without verification of parental consent, we will delete this information from our database as quickly as possible. If you believe the website has any information about anyone under the age 18, please contact us.

Premium Online Content

Any fees paid to Karan Gupta Consulting (KGC) and Business Education Services (BES) are non refundable and non transferable under any circumstances. We start working on your profile as soon as you enroll with us and invest a considerable amount of time and expertise in this process and hence even if you do not use the service or change your mind or are not satisfied with the content, you will not be entitled to a refund. Any disputes will strictly be governed by courts of Mumbai, India and governed by the laws of the Republic of India.

People who purchase premium online content and counselling services are not permitted to share, distribute, sell, or otherwise transfer their password or services to other individuals. The password and services are for the purchaser's sole use only. Significant or unusual use of a single password (including but not limited to significant use of a single password on multiple computers) could result in suspension of that password. In such cases no refund will be given to the purchaser. Premium online content is protected by international copyright laws, and may not be reproduced, republished, distributed, transmitted, resold, displayed, broadcast, or otherwise exploited in any manner without the express written permission of Karan Gupta Consulting (KGC) and/or Business Education Services.

We generally collects personally identifiable information such as name, postal address, e-mail address, telephone number, and/or credit card information with your specific knowledge and consent.

When you register for premium content you will be asked to supply certain personally identifying information, which is then retained by us. If you choose to give us personally identifying information at such time, such information will be retained by us and used only to provide you with products or services you have requested, or with additional information from Karan Gupta Consulting (KGC) or Business Education Services (BES), or selected outside companies whose products or services we feel may be of use to you. If, at some point after giving us your personally identifying information, you do not wish to continue to receive additional information from Karan Gupta Consulting (KGC) or Business Education Services (BES), its affiliates, or selected outside companies, in general, you may opt out by sending an email with the words "unsubscribe" in the subject line of your email or change your email settings in your profile manager.

We reserve the right to use individual information to create aggregated data about users in order to develop statistics about activity on and visitors to our website. In addition, Karan Gupta Consulting (KGC) or or Business Education Services (BES) may disclose personal information if we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of the website; or (4) protect the personal safety, property, or rights of our users or the public.

Cookies

"Cookies" are pieces of information that are placed by a Web site in a storage place on your computer. Cookies do not contain information that is, in itself, personally identifying. We place cookies on your computer in a limited way to help deliver advertisements, to calculate unique site visitors, and to track usage throughout our site. Other uses include placement of cookies to make the login process more convenient for users of our premium online content. In addition, some advertisers may place cookies on your computer. We do not have control over cookies placed by advertisers.

Google, as a third party vendor, uses cookies to serve ads on your site. Google's use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

Credit Card Policy

Any fees paid to Karan Gupta Consulting (KGC) and Business Education Services (BES) are non refundable and non transferable under any circumstances. For online premium content, we may ask you to provide your credit card information so that we can process your payment. During the ordering process, such credit card information is transmitted to a credit card processing company who then charge your credit card on our behalf. The amount to be charged on your credit card will depend on the personalised service that you opt for - charges are customized according to the services you opt for.

No one under the age of 18 should provide any financial or even personal information. In general, Karan Gupta Consulting (KGC), Business Education Services (BES) and our affiliated firms do not knowingly collect personally identifiable information from children under 18. In the event that we learn that we have collected information from a child under the age of 18 without verification of parental consent, we will delete this information from our database as quickly as possible. If you believe the website has any information about anyone under the age 18, please contact us.