Terms & Conditions

Last updated on 05th March, 2025

1. About Organization

Welcome to Margspectrum Holdings through the Official Website of Mousam Dey at https://mousamdey.com/ (“Margspectrum”, “Organization”, “we”, “our”, “us”)!

Rooted in the essence of Marg – the path and Spectrum – the vast range of possibilities, Margspectrum embodies a vision that transcends industries and boundaries. It unites insights, knowledge, tools and technologies in service of human well-being and transformation.

At its core, Margspectrum is about empowering individuals, businesses, and communities to realize their fullest potential.

Grounded in wisdom yet driven by modern innovation, it provides the essential tools, insights and platforms to help people navigate their journey with clarity and purpose.

By cultivating a balance between physical, mental, inner, and outer well-being, Margspectrum ensures that growth is not just about achievement – but about true fulfillment.

From entrepreneurship and education to investment and social impact, Margspectrum bridges the gap between potential and realization, ideas and action – turning vision into reality.

2. Introduction

Guided by the above-mentioned vision and values, these Terms of Service (“Terms”, “Terms of Service”) govern your use of our website located at https://mousamdey.com/ (together or individually “Service”) operated by Margspectrum Holdings.

Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages.

Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound of them.

If you do not agree with (or cannot comply with) Agreements, then you may not use our Products, Platform and Services, but please let us know by emailing at support@margspectrum.com so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.

3. Communications

By using our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing at support@margspectrum.com

4. Purchases

If you wish to purchase any product or service made available through Service (“Purchase”), you may be asked to supply certain information relevant to your Purchase including but not limited to, your credit or debit card number, the expiration date of your card, your billing address, and your shipping information.

You represent and warrant that:

(i) you have the legal right to use any card(s) or other payment method(s) in connection with any Purchase; and that

(ii) the information you supply to us is true, correct and complete.

We may employ the use of third party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.

We reserve the right to refuse or cancel your order at any time for reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.

We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.

5. Contests, Sweepstakes and Promotions

Any contests, sweepstakes or other promotions (collectively, “Promotions”) made available through Service may be governed by rules that are separate from these Terms of Service. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms of Service, Promotion rules will apply.

6. Cancellation and Refunds

6.1 General Refund Policy

All refund requests must be submitted in writing via email to our official support team at support@margspectrum.com.
Refund requests must be submitted from your registered email account. Provided all required documentation is complete, refunds will be processed.
Refund eligibility is based on the type of program or service purchased and the time of the cancellation request.
Refunds, if applicable, will be processed using the original payment method within 25-30 business days after approval.

6.2 Refund Policy for Paid Programs

If you cancel within 24 hours of enrollment, you will be eligible for a 90% refund, provided you have not accessed any program content.
After 24 hours but before 30 days, a 80% refund will be granted, provided you have not accessed any program content.
After 30 days of enrollment, no refund will be issued under any circumstances.
If a discount was applied to your Program fees, you’ll receive the refund of the discounted amount following on the above policies. Discounts are only valid when officially announced by us.
Refunds are not available for Program registrations made with gift coupons.

6.4 Refund Policy for Subscription-Based Services

Subscriptions are non-refundable once the service period has commenced.
You may cancel your subscription at any time, but the cancellation will be effective at the end of the current billing cycle.

6.5 Refund Policy for Live or Scheduled Programs

Refunds will only be considered if the cancellation is requested at least 15 days prior to the program start date. A processing fee of 10% will be deducted.
No refunds will be provided for cancellations made within 7 days of the program start date or after the program has commenced.
In the event of program cancellation by Margspectrum, a full refund or alternative rescheduling will be provided.

7. Reschedule Policy

If you are unable to attend a program for which you have registered, you may request a reschedule to a later date or batch, subject to availability.
Reschedule requests must be submitted at least 7 days before the program registration date.
In that case, a rescheduling fee of 15% of the program fee will apply.
Each participant is allowed a one time rescheduling per enrollment without any rescheduling fee. Any further requests will require rescheduling fee as per the previous policy.

8. Re-Registration Policy

If you have previously enrolled in a program and wish to re-register after withdrawal or cancellation, you may do so based on availability.
A re-registration fee of 50% of the program fee will be charged without any discount.
If you were provided a partial refund upon cancellation, the re-registration fee will be calculated on the remaining balance.
Re-registration for the same course or program is permitted for a period of 6 months following the original program’s commencement. Please note that if the program’s cost has risen, you’ll be required to cover the price difference, along with a re-registration fee.

9. Transfer Policy

Participant Transfer: Participant transfer is not allowed for any programs.
Program Transfer: You may request to transfer your enrollment to another program, provided you have not accessed any program content for which you have registered.
Only one time program transfer is allowed.
Transfers are subject to approval and availability.
For the approved transfer, a transfer fee of 25% of the program fee (25% of the program you are transferring to) will apply. Please note that you’ll be required to cover the price difference, along with the transfer fee.
All the approved transferred programs must need to complete within a time period of 6 months following the original program’s registration.
Program transfer is not available for Program registrations made with gift coupons.

10. Language Upgrade Policy (For Multilingual Programs)

Language upgrade is only applicable if you request within 24 hours of registration, provided you have not accessed any program content.
If you wish to switch to another language version of a program, a language upgrade fee of 20% of the program fee (20% of the program you are upgrading to) will apply.
Language upgrades are subject to availability and may not be applicable to all programs.
Language upgrades are not available for the bulk registrations and bundled purchases.

11. Exceptions to Refunds and Cancellations

Refunds will not be granted for technical issues caused by the participant’s device, internet connectivity, or system compatibility.
Refunds or transfers will not be provided for failure to attend a session or complete a course.
Refunds or cancellations will not be applicable for registrations made with gift coupons, bulk registrations and bundled purchases.

12.Policy Amendments

Margspectrum reserves the right to modify this refund and cancellation policy at any time without prior notice. Participants are advised to review the terms before enrollment.

For any refund or cancellation requests, please contact us at support@margspectrum.com with your enrollment details.

13. Ownership & Intellectual Property Rights

13.1 Proprietary Rights

All content provided by Margspectrum, including but not limited to text, images, videos, audio, designs, graphics, logos, articles, blog posts, whitepapers, training materials, program materials, tools, applications, databases, and software, is the exclusive property of Margspectrum and/or its licensors.
Such content is protected under international copyright laws, trademark laws, trade secret laws, and other applicable intellectual property laws.

13.2 Trademarks & Branding

All the properties of the brands of Margspectrum Holdings, such as name, logo, slogans, product names, and branding elements are trademarks of Margspectrum. Unauthorized use, imitation, or reproduction is strictly prohibited.
Users may not use the trademarks of Margspectrum Holdings for commercial, promotional, or misleading purposes without explicit written permission.

13.3 Copyright Protection

All course and program materials, e-books, training sessions, articles, research papers, and other proprietary documents are copyrighted and may not be copied, republished, or distributed without express permission.
Unauthorized reproduction, modification, or sale of our content may result in legal action, financial penalties, and account suspension.

14. User-Generated Content & Submission Policy

14.1 User Contributions

Margspectrum Holdings allows users to contribute content in various forms, such as:

Comments, testimonials, reviews, blogs, forums, discussions, social media posts, images, videos, and other submissions.
By submitting User Content, you grant Margspectrum a perpetual, non-exclusive, worldwide, royalty-free license to use, reproduce, distribute, and modify such content for promotional, educational, and commercial purposes.

14.2 Content Moderation & Removal

Margspectrum reserves the right to:

Review, monitor, edit, or remove user-generated content at its sole discretion.
Ban or suspend accounts that repeatedly violate content guidelines.

14.3 Prohibited Content

Users may not submit content that:

Infringes copyrights, trademarks, patents, or intellectual property rights.
Contains hate speech, violence, discrimination, defamatory statements, or threats.
Violates privacy rights or shares personal, sensitive, or confidential information without consent.
Promotes illegal activities, scams, fraudulent claims, or misleading information.
Disrupts, hacks, or manipulates our platforms or servers.

Any violation of these rules may result in content removal, account suspension, legal action, and potential civil liability.

15. Content Licensing & Usage Restrictions

15.1 Permitted Use

Users may access Margspectrum’s content for personal, educational, and non-commercial purposes only.
Sharing links to public content is allowed, but altering, misrepresenting, or falsely attributing content is prohibited.

15.2 Unauthorized Use & Copyright Infringement

Copying, reproducing, republishing, downloading, modifying, or distributing Margspectrum content without permission is illegal.
Users found violating copyright laws may be subject to civil or criminal penalties.

16. DMCA & Copyright Protection Policy

16.1 Digital Millennium Copyright Act (DMCA) Compliance

Margspectrum adheres to DMCA regulations and promptly responds to copyright infringement claims. If you believe your copyrighted material has been used unlawfully, submit a DMCA Takedown Request with:

Detailed description of the copyrighted work.
Proof of ownership or registration of the work.
URL/location of the infringing material.
Your contact details (name, email, phone number).
A sworn statement affirming the complaint’s legitimacy.

Send all DMCA requests to: support@margspectrum.com

16.2 Counter-Notification Policy

If you believe your content was wrongfully removed, you may submit a Counter-Notification with:

A statement asserting legal rights over the content.
Confirmation of consent to legal jurisdiction.
Signature and contact details.

Margspectrum will review and reinstate content if the counter-notification is deemed valid.

17. Third-Party Content & External Links

Our platforms may feature third-party content, affiliate links, or embedded media.
Margspectrum does not endorse, control, or assume responsibility for third-party content or policies.
Users are responsible for reviewing external site terms before engaging with third-party content.

18. Content Modification & Platform Changes

Margspectrum reserves the right to:

Modify, update, or remove content at any time without notice.
Restrict access to certain content based on legal, ethical, or business considerations.
Suspend or terminate access to any content that violates policies.

19. Privacy & Data Protection

Margspectrum respects user privacy and does not sell or share personal information without consent.
User-generated content may be stored, analyzed, or repurposed in accordance with our Privacy Policy.

20. Limitation Of Liability

Margspectrum does not guarantee the accuracy, reliability, or completeness of any content.
Users access content at their own risk, and Margspectrum is not liable for any errors, damages, or losses resulting from content use.
All content is provided “as is” and “as available” without warranties of any kind.

21. Content Reporting & Dispute Resolution

21.1 Reporting Violations

If you believe content violates our policies, report it to our support team with:

Content URL or location.
Detailed explanation of the issue.
Your contact information.

Margspectrum will investigate and take appropriate action.

21.2 Dispute Resolution

Content-related disputes will be resolved through negotiation, mediation, or legal action under the local jurisdiction.
Users agree to binding arbitration for content disputes before taking legal action.

22. Enforcement & Legal Consequences

Any violation of this Content Clause may result in legal action, fines, damages, and account termination.
Margspectrum reserves the right to seek injunctive relief, financial damages, or civil penalties against parties who infringe content rights.
All legal matters shall be governed by the laws of the local jurisdiction.

23. No Use By Minors

Service is intended only for access and use by individuals at least fifteen (15) years old. By accessing or using Service, you warrant and represent that you are at least fifteen (15) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least fifteen (15) years old, you are prohibited from both the access and usage of Service.

24. Error Reporting and Feedback

You may provide us either directly at support@margspectrum.com or via third party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“Feedback”). You acknowledge and agree that:

You shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback;
Organization may have development ideas similar to the Feedback;
Feedback does not contain confidential information or proprietary information from you or any third party; and
Organization is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Organization and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.

25. Disclaimer Of Warranty

At Margspectrum, we are committed to offering high-quality content, services, tools, programs, and experiences designed to support individual, organizational, and community growth. While we strive to ensure that our offerings are valuable, accurate, and effective, it is important to set clear expectations regarding the nature and use of our Services.

25.1 General Understanding

All services, content, products, programs, tools, and information provided by Margspectrum (“Services”) are offered in good faith and for general informational, educational, personal, or professional development purposes.

We aim to maintain the highest standards, but we cannot guarantee specific outcomes, as results may vary depending on personal circumstances, application, and external factors beyond our control.

25.2 No Guarantees of Specific Results

While our Services are designed with care and professional expertise, Margspectrum does not make promises of specific results or outcomes, including but not limited to:

Personal or professional achievements
Business success or financial gains
Health or wellbeing improvements
Any other specific performance goals

Each individual’s journey is unique, and outcomes depend on various internal and external factors, including personal effort and context.

25.3 No Warranty for Technology and Platform

We are dedicated to offering seamless experiences. However, due to the nature of technology and the internet, we cannot warrant that our website, platforms, applications, or communications will be completely uninterrupted, timely, secure, or free of errors or technical issues at all times.

We regularly maintain and update our systems to ensure optimal performance and security, but temporary disruptions may occur due to maintenance or unforeseen technical challenges.

25.4 Third-Party Links and Services

Our platforms may offer access to third-party tools, services, or content to enrich your experience. These are shared in good faith, but we do not control or assume responsibility for third-party content, services, or policies.

Users are advised to review the respective terms and privacy policies of any third-party services they choose to engage with.

25.5 Security and Digital Safety

We take security seriously and implement protective measures for our digital platforms. However, as with any online service, we cannot provide an absolute guarantee that our websites, files, or communications will be entirely free from potential vulnerabilities or harmful components.

Users are encouraged to maintain their own device-level security and use appropriate discretion when engaging with any online service.

25.6 Balanced Approach to Responsibility

Our goal is to empower individuals and organizations, not to limit possibilities. While we clarify that we cannot offer guarantees of specific outcomes, we remain committed to continuously improving our services and offering meaningful value to all our users, clients, and communities.

26. Termination

We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.

If you wish to terminate your account, you may simply discontinue using Service.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

27. Governing Law

These Terms shall be governed and construed in accordance with the laws of India, which governing law applies to agreement without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

28. Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.

29. Amendments To Terms

We may amend Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.

30. Waiver And Severability

No waiver by Organization of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Organization to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

31. Acknowledgement

BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.

32. Contact Us

Email for any help: support@margspectrum.com