Terms & Conditions

Welcome to Concentrated Wisdom. These Terms and Conditions (“Terms”) govern your access to and use of www.concentratedwisdom.com (the “Website”) and any digital products, courses, guides, trackers, or other services we offer (collectively, the “Services”). These Terms, together with our Privacy Policy and Cookie Policy, form the complete agreement between you and Concentrated Wisdom. By accessing the Website or purchasing our Services, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms

By accessing, browsing, or using this Website, or by purchasing any of our digital products or Services, you confirm that:

You are at least 18 years old, or you are accessing the Services under the supervision of a parent or legal guardian who agrees to these Terms on your behalf;
You have the legal capacity to enter into a binding agreement; and
You agree to comply with these Terms and all applicable laws and regulations.

If you do not agree with any part of these Terms, you must not use our Website or Services. We may update these Terms from time to time; your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

2. Digital Product License

When you purchase a digital product from Concentrated Wisdom — including but not limited to eBooks, guides, templates, habit trackers, or courses — the following license terms apply:

Personal Use Only: All digital products are licensed for your personal, non-commercial use only. You may not sell, resell, share, redistribute, sublicense, or otherwise exploit the products for commercial purposes.
No Copying or Distribution: You may not copy, reproduce, or distribute our digital products or Website content on any platform, including social media, file-sharing sites, or other websites, without our prior written consent.
Single-User License: Unless otherwise stated at the point of purchase, each product is licensed to a single individual and may not be shared with or transferred to another person or household.
License Termination: We may revoke your license to use a digital product if you breach these Terms, including through unauthorized copying, sharing, or resale. Purchases are non-transferable.

3. Intellectual Property Rights

All content on Concentrated Wisdom, including but not limited to text, graphics, logos, images, audio, video, digital products, and software, is the property of Concentrated Wisdom or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, publicly display, or create derivative works from any content on this Website without our prior written permission.

Reporting Infringement: If you believe content on our Website infringes your intellectual property rights, please contact us at hello@concentratedwisdom.com with a description of the material and your rights, and we will investigate and respond promptly.

4. Website Usage and Account Responsibilities

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate, current information when creating an account or making a purchase, and to notify us promptly of any unauthorized use of your account.

You are responsible for ensuring your own device and internet security when accessing our Website and Services. We are not liable for any loss or damage arising from unauthorized access to your account resulting from your failure to safeguard your credentials.

5. Payments and Refunds

Payments: All payments for digital products must be made in full at the time of purchase through our designated payment processor. Prices may be displayed in multiple currencies (including USD and INR) for your convenience; the currency and amount charged will be confirmed at checkout.

Refunds: Because our products are digital and delivered instantly upon purchase, all sales are generally final and non-refundable once access has been granted, except where:

The product is materially defective, corrupted, or inaccessible due to a technical error on our end;
Applicable law in your jurisdiction grants you a mandatory right of withdrawal or refund that cannot be waived by agreement (for example, certain consumer protections in the EU/UK do not apply once you have expressly consented to immediate delivery of digital content and acknowledged loss of the withdrawal right — where such consent has not been obtained, statutory rights will be honored).

Refund requests must be submitted within 14 days of purchase to hello@concentratedwisdom.com. We reserve the right to refuse refunds where there is evidence of abuse of this policy. Chargebacks filed without first contacting us may result in suspension of access to our Services.

6. Disclaimer and Limitation of Liability

No Professional Advice: Our content, digital products, and Services are intended for general educational and self-development purposes only. They do not constitute medical, psychological, legal, or financial advice, and are not a substitute for professional consultation. If you are experiencing a mental health crisis, please contact a licensed professional or your local emergency/crisis line immediately.

No Guarantees: While we strive to provide high-quality, accurate content, we make no warranties or representations about the completeness, reliability, or results of using our Services. Your results will depend on your own effort, circumstances, and application of the material.

Limitation of Liability: To the fullest extent permitted by law, Concentrated Wisdom and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Website or Services. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid to us in the twelve (12) months preceding the claim. Nothing in these Terms limits liability that cannot be excluded under applicable law.

7. Privacy and Cookies

Your privacy is important to us. Our collection, use, and protection of your personal data is described in our Privacy Policy, and our use of cookies and similar tracking technologies is described in our Cookie Policy. By using our Website and Services, you agree to the practices described in both documents, which are incorporated into these Terms by reference.

8. Changes to These Terms

We may revise these Terms and Conditions at any time to reflect changes in our Services, business practices, or legal requirements. When we make material changes, we will update the “last updated” date at the bottom of this page. Your continued use of the Website or Services after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

9. Governing Law and Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles, subject to the courts of Karnataka, India having exclusive jurisdiction over any dispute, except where mandatory consumer protection laws in your country of residence grant you the right to bring a claim in your local courts.

If a dispute arises, we encourage you to first contact us at hello@concentratedwisdom.com so we can attempt to resolve it informally. Nothing in this section limits any statutory right you may have as a consumer under the law of your home jurisdiction.

10. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us at:

Concentrated Wisdom
Email: hello@concentratedwisdom.com
Registered address: [Add your registered business address here]

11. Prohibited Uses

You agree not to use our Website or Services to:

Violate any applicable local, national, or international law or regulation;
Infringe upon the intellectual property, privacy, or other rights of any third party;
Transmit any malware, viruses, or other harmful code;
Scrape, crawl, or use automated means to extract data from our Website without our written permission;
Reverse-engineer, decompile, or attempt to extract the source code of any digital product or software we provide;
Impersonate any person or entity, or misrepresent your affiliation with us;
Harass, abuse, or harm another person through our Website or Services; or
Attempt to gain unauthorized access to our systems, accounts, or networks, or circumvent any security or access-control measure.

We reserve the right to suspend or terminate access to our Website or Services for anyone who violates these prohibitions.

12. Third-Party Links and Affiliate Disclosure

Our Website may include links to third-party websites, products, or services that are not owned or controlled by Concentrated Wisdom. We are not responsible for the content, privacy practices, or terms of any third-party site. We encourage you to review the terms and privacy policies of any third-party site you visit.

Some links on our Website may be affiliate links, meaning we may earn a commission if you make a purchase through them, at no additional cost to you. We only recommend products or services we believe align with our brand and values.

Conclusion

By using Concentrated Wisdom, you agree to these Terms and Conditions in full. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right. We are not liable for any failure to perform our obligations due to causes beyond our reasonable control (force majeure). These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Concentrated Wisdom regarding your use of our Website and Services.

These Terms and Conditions were last updated on September 3, 2026.