Effective Date: 17-02-2026
Welcome to Sikhobiz (“Platform”, “we”, “our”, “us”), owned and operated by VK Venture Private Limited.
By accessing or using our website https://sikhobiz.com/ and purchasing our courses, you agree to comply with and be bound by the following Terms & Conditions.
If you do not agree, please do not use our services.
1. About Sikhobiz
Sikhobiz is an online educational platform offering training programs related to:
- Business Correspondent (BC) Training
- Banking & CSP Operations
- Digital Banking & Fintech
- Website Development
- Loan & Insurance Advisory
- Digital Marketing for Retailers
We provide skill-based training and business guidance.
2. Eligibility
- You must be at least 18 years old to enroll.
- By using our services, you confirm that the information provided is accurate and complete.
- We reserve the right to refuse service if false information is detected.
3. Course Enrollment & Access
- Course access is granted after successful payment.
- Access duration varies by course (minimum 1 year unless stated otherwise).
- Login credentials are personal and must not be shared.
Unauthorized sharing may result in account suspension without refund.
4. Payments & Pricing
- All prices are listed in INR (₹).
- Pricing ranges between ₹5,000 and ₹50,000 depending on the course.
- Payments are processed via secure third-party gateways.
- We reserve the right to change course pricing at any time.
5. Refund Policy
Due to the digital nature of our courses:
- No refunds will be issued once course access is granted.
- Users are encouraged to review syllabus details before purchase.
Exceptions may apply only in case of duplicate payment or technical billing errors.
6. Intellectual Property
All course materials including:
- Videos
- PDFs
- Presentations
- Graphics
- Branding
- Website content
Are the intellectual property of Sikhobiz / VK Venture Private Limited.
You may not:
- Reproduce
- Resell
- Redistribute
- Record or publish course content
Violation may result in legal action.
7. Income Disclaimer
Sikhobiz provides business training and guidance. However:
- Income results depend on individual effort, location, market conditions, and business execution.
- We do not guarantee fixed income or profits.
- Any income examples shared are illustrative and not guaranteed.
8. Certification
Course completion certificates are issued only after:
- Completion of required modules
- Submission of assessments (if applicable)
Certificates represent course completion and are not government-issued licenses.
9. Third-Party Services
Some courses may reference:
- Banks
- Payment networks
- Financial institutions
We are not directly affiliated with any government body unless specifically stated.
Users must comply with applicable laws and regulations before starting any financial services business.
10. User Conduct
You agree not to:
- Use the platform for illegal activities
- Attempt to hack or disrupt the website
- Share offensive or misleading content
- Impersonate other users
Violation may result in immediate termination of access.
11. Limitation of Liability
Sikhobiz and VK Venture Private Limited shall not be liable for:
- Business losses
- Financial decisions made by users
- Technical interruptions
- Third-party service failures
Use of our platform is at your own risk.
12. Privacy
Your use of Sikhobiz is also governed by our Privacy Policy. Please review it to understand how we collect and use data.
13. Modification of Terms
We reserve the right to update these Terms at any time. Continued use of the website after updates implies acceptance.
14. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India.
Any disputes shall be subject to the jurisdiction of courts in India.
15. Contact Information
For any queries regarding these Terms:
Sikhobiz Owned by VK Venture Private Limited
https://sikhobiz.com/
info@sikhobiz.com