1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of FirstBuzz365.com (the "Website"), including any content, tools, digital products, and services offered on the Website. By using the Website in any way, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms.

These Terms apply to all visitors, readers, subscribers, and purchasers ("Users" or "you"). If you are accessing the Website on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

2. About FirstBuzz365

FirstBuzz365.com is a digital content and information platform operated as a sole proprietorship business based in Hyderabad, Telangana, India. We publish practical financial guides, downloadable tools, calculators, and digital products aimed at India's salaried professionals.

Business name: FirstBuzz365
Website URL: https://www.firstbuzz365.com
Registered location: Hyderabad, Telangana, India
Contact email: support@firstbuzz365.com

3. Website Use & Permitted Conduct

3.1 Permitted Use

You may use FirstBuzz365.com for personal, non-commercial purposes — reading articles, downloading purchased digital products, and using our free calculators and tools for your own financial planning.

3.2 Prohibited Conduct

You must not:

• Copy, reproduce, republish, upload, transmit, or distribute any content from the Website without prior written consent from us.
• Use automated tools (bots, scrapers, crawlers) to extract content or data from the Website.
• Attempt to gain unauthorised access to any part of the Website or its underlying systems.
• Engage in any conduct that disrupts, damages, or places excessive load on the Website's infrastructure.
• Use any content from the Website to create competing products or services.
• Misrepresent our content as your own original work.

We reserve the right to restrict or terminate access for any user who violates these prohibitions.

4. Digital Products & Purchases

4.1 Nature of Digital Products

We sell downloadable digital products (HTML tools, Excel dashboards, calculators, and guides) on a one-time purchase basis. These are digital files delivered electronically — no physical item is shipped.

4.2 Delivery

Upon successful payment, you will receive a download link via email (to the address provided at checkout) within one (1) hour. If you do not receive the link, please check your spam folder first, then contact us at support@firstbuzz365.com.

4.3 Licence to Use

When you purchase a digital product, we grant you a non-exclusive, non-transferable, personal licence to use the product for your own financial planning purposes. You may not:

• Resell, redistribute, or share the digital file with others (including family members who have not purchased it).
• Modify and redistribute the product as your own.
• Use the product for commercial purposes without a separate commercial licence from us.

4.4 No Warranties on Accuracy

Digital tools and calculators are provided as-is for personal financial planning purposes. While we make every effort to ensure accuracy, tax rates, interest rates, and regulatory figures change frequently. Always verify critical figures with an official source before making financial decisions.

5. Payments

All transactions on FirstBuzz365.com are processed in Indian Rupees (INR) through Razorpay Software Private Limited ("Razorpay"), an RBI-authorised Payment Aggregator. By making a purchase, you also agree to Razorpay's Terms of Service.

5.1 Accepted Payment Methods

We accept UPI, credit cards, debit cards, net banking, and select digital wallets — all processed securely through Razorpay's PCI DSS Level 1 certified infrastructure.

5.2 Pricing

All prices are listed in Indian Rupees (₹) inclusive of applicable taxes. Prices are subject to change without notice. The price displayed at checkout is the price you will be charged.

5.3 Failed Transactions

If your payment fails, your account will not be charged. If a payment is debited but you receive no confirmation, contact us within 48 hours with your bank transaction reference and we will investigate and resolve within 7 business days.

5.4 Refunds

Please refer to our Refund & Cancellation Policy for complete details. In brief: refunds are processed within 5–7 business days of approval and credited to the original payment method.

6. Intellectual Property

All content published on FirstBuzz365.com — including articles, infographics, calculators, digital tools, HTML files, Excel dashboards, logos, and design elements — is the intellectual property of FirstBuzz365 or our content partners, and is protected under the Copyright Act, 1957 and applicable Indian and international intellectual property laws.

You may share our articles via social media with appropriate attribution and a link back to the original URL. You may not reproduce full articles or product files without our written permission.

If you believe any content on our website infringes on your intellectual property, please contact us at support@firstbuzz365.com with details of the claimed infringement.

7. Affiliate & Advertising Disclosure

Affiliate income helps us maintain the website and continue publishing free content. We only recommend products and services we believe will be genuinely useful to our readers. All affiliate relationships are clearly disclosed within relevant articles.

We also display advertisements through Google AdSense. Ad revenue is separate from affiliate commissions. We do not receive additional payment from advertisers to recommend their products editorially.

8. Financial Information Disclaimer

The content published on FirstBuzz365.com is for informational and educational purposes only. It does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional financial counsel.

• FirstBuzz365 is not a SEBI-registered investment advisor, RBI-registered entity, IRDAI-registered agent, or any other type of regulated financial professional.
• The information, tools, and calculators we provide are designed to help you understand financial concepts and estimate figures — they are not substitutes for personalised advice from a qualified financial professional.
• Tax laws, interest rates, insurance regulations, and government scheme eligibility change frequently. Verify all critical figures from official government sources (Income Tax Department, EPFO, SEBI, RBI) before making any financial decisions.
• Past performance of any investment mentioned on this site does not guarantee future results.

Always consult a qualified Chartered Accountant, SEBI-registered investment advisor, or other appropriate professional for decisions specific to your financial situation.

9. Limitation of Liability

To the maximum extent permitted by applicable Indian law:

• FirstBuzz365.com is provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content.
• We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Website, reliance on any content or tool, or inability to access the Website.
• Our total liability to you for any claim arising out of or relating to these Terms or your use of the Website shall not exceed the amount you paid to us (if any) in the three months preceding the claim.
• We are not responsible for financial losses resulting from decisions made based on information on this website.

Nothing in these Terms limits our liability for fraud, willful misconduct, death, or personal injury caused by negligence, or any other liability that cannot be excluded under Indian law.

10. Third-Party Links

Our website contains links to external websites (including affiliate merchants, government portals, and reference sources). These links are provided for your convenience. We do not control these external sites and are not responsible for their content, privacy practices, or availability.

Clicking an affiliate link may result in a cookie being set on your browser by the merchant's website. Please review the privacy policies of any external sites you visit.

11. Termination

We reserve the right to restrict, suspend, or terminate your access to FirstBuzz365.com at any time, without prior notice, if you breach these Terms or if we determine your use poses a risk to the Website, other users, or our business.

Upon termination, your licence to use any purchased digital products for personal use continues, but your access to future updates or new products will cease.

12. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms, including any purchase made on FirstBuzz365.com, shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

Before initiating any legal proceedings, we encourage you to contact us directly at support@firstbuzz365.com so we can attempt to resolve the matter amicably. Most disputes can be resolved within 30 days through our Grievance Redressal process (see Grievance Redressal page).

13. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last Reviewed" date on this page. We encourage you to review these Terms periodically. Continued use of the Website after any changes constitutes your acceptance of the updated Terms.

14. Contact

For questions about these Terms or any aspect of your use of FirstBuzz365.com:

FirstBuzz365
Email: support@firstbuzz365.com
Website: www.firstbuzz365.com/contact/
Hyderabad, Telangana, India
We respond to all enquiries within 48 business hours.