Terms and Conditions

Last Updated: January 2026

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User", "Participant", "You") and Finovax Learning Academy, an individual proprietorship ("Finovax", "We", "Us", "Our"), operating under the laws of India.

By accessing, enrolling in, purchasing, or using any training program, content, services, or materials provided by Finovax Learning Academy, you agree to be bound by these Terms. If you do not agree, please do not use our services.

By accessing, enrolling, or using FINOVAX services, you confirm that you have read, understood, and agreed to be legally bound by this document and all annexures herein.

1. Nature of Services

Finovax Learning Academy is a training, education, mentorship, and skill-development platform. Our services include:

  1. Educational programs on network marketing principles
  2. Business skill development and leadership training
  3. Product knowledge and ethical marketing education
  4. Personal development and mentoring support

Finovax does NOT offer:

  1. Any investment products
  2. Any financial advisory services
  3. Any deposit, lending, or money circulation schemes
  4. Any guaranteed income, profit, or return on money paid

1A. Defined Terms & Glossary (Interpretation Clause)

For the purposes of these Terms, and all related policies, communications, representations, and materials issued by Finovax Learning Academy, the following terms shall have the meanings assigned below:

"Training & Mentorship Fee" / "Program Fee" / "Professional Fee" means the amount paid by a participant solely for access to educational content, training programs, mentorship, tools, materials, and support services provided by Finovax Learning Academy. Such fee shall not be construed as an investment, deposit, loan, advance, or financial contribution of any nature.

"Service Adjustment" refers to any service-level correction, extension, modification, or refund (if applicable) issued strictly in relation to non-delivery of agreed services. A Service Adjustment shall not be treated as a withdrawal of funds, repayment, return on money, or income.

"Independent Distributor Earnings (from DXN)" refers exclusively to income, commissions, incentives, or rewards earned independently by a participant from DXN, governed solely by DXN's compensation plan, policies, and distributor agreement. Finovax Learning Academy has no control, influence, or responsibility over such earnings.

"Product Experience Support" / "Product Usage Support" refers to non-cash product access or product support provided strictly for educational, experiential, learning, or demonstration purposes. Such products do not constitute income, returns, profits, or monetary benefits and are non-transferable and non-redeemable for cash.

"Participant" / "User" means any individual who enrolls in, accesses, or uses the services of Finovax Learning Academy, irrespective of geographical location.

"Third-Party Company" includes DXN and any other direct selling or network marketing entity, which operates independently of Finovax Learning Academy.

Interpretation Rule: No term used in these Terms or related documents shall be interpreted or construed as creating an investment relationship, profit-sharing arrangement, financial product, money circulation scheme, or guaranteed income obligation. In the event of any ambiguity, this Defined Terms & Glossary section shall prevail.

2. Independent Relationship & Non-Association with DXN

Finovax Learning Academy operates as a completely independent educational and training entity.

DXN is NOT associated, affiliated, partnered, endorsed, sponsored, approved, or involved in any manner whatsoever with Finovax Learning Academy or its programs.

For absolute clarity:

  1. DXN has no role in designing, delivering, approving, managing, or promoting Finovax training programs
  2. DXN does not receive any fees, commissions, or benefits from Finovax Learning Academy
  3. DXN does not guarantee, assure, or influence any outcomes related to this training
  4. DXN has no responsibility or liability for Finovax services, representations, or commitments

Participation in Finovax programs does not:

  1. Create any employer–employee relationship with DXN
  2. Create any partnership, joint venture, agency, or representative authority with DXN
  3. Confer any rights against DXN

All training, mentorship, materials, representations, fees, benefits, and policies are solely the responsibility of Finovax Learning Academy. Any business income earned by participants from DXN is governed exclusively by DXN's own policies, compensation plan, and independent distributor agreement.

DXN shall not be liable under any circumstances for:

  1. Any claims, disputes, losses, damages, costs, or liabilities arising from or relating to Finovax Learning Academy, its programs, fees, representations, or services
  2. Any representations, assurances, promises, or commitments made by Finovax Learning Academy or its participants
  3. Any expectations of income, training results, business success, or financial outcomes

All obligations, liabilities, and responsibilities arising from the training programs rest solely and exclusively with Finovax Learning Academy.

Participants expressly waive any right to make claims against DXN in connection with Finovax services.

3. Fees & Payments

  1. All fees paid to Finovax are professional training fees for educational services.
  2. Fees are not investments, deposits, or advance income payments.
  3. Payments once made are subject to the Refund Policy outlined below.

4. Product Benefits (If Applicable)

  1. As a non-cash ancillary benefit, certain programs may include product support or product access for educational and experiential purposes.
  2. Products are provided strictly for personal use, learning, and experience.
  3. Products are not income, returns, or monetary compensation.
  4. Products are non-transferable and non-redeemable for cash.

5. No Income or Earnings Guarantee

You expressly understand and agree that:

  1. Earnings from network marketing or direct selling depend entirely on individual effort, discipline, skills, consistency, and market conditions.
  2. No guarantee of income, minimum earnings, fixed returns, or profit is made or implied.
  3. Any examples of income shared are illustrative only and do not constitute promises.

6. User Responsibilities

You agree to:

  1. Provide accurate and truthful information
  2. Follow ethical business and marketing practices
  3. Comply with all applicable laws and DXN or third-party policies
  4. Refrain from misrepresenting Finovax services as investment or income-guarantee schemes

7. Compliance with DXN Code of Ethics & Prohibited Conduct

Participants who are also Independent Distributors of DXN expressly agree to strictly comply with DXN's Code of Ethics, Policies & Procedures, and Distributor Agreement, as amended from time to time.

Without limitation, participants agree that they shall:

  1. Conduct all DXN-related business in an honest, ethical, and lawful manner
  2. Make only those representations about DXN products, business opportunity, and compensation plan that are officially authorized by DXN
  3. Refrain from making false, misleading, exaggerated, or income-related claims
  4. Clearly disclose that Finovax Learning Academy is an independent training entity and not part of DXN
  5. Avoid representing Finovax programs as mandatory, endorsed, or required for DXN participation

Prohibited Conduct

The following actions constitute a material breach of these Terms and DXN ethical standards:

  1. Representing Finovax Learning Academy as being associated with, approved by, or operated by DXN
  2. Presenting the Finovax training fee as an investment, entry fee, or prerequisite for earning from DXN
  3. Promising or implying guaranteed income, fixed returns, refunds, or financial security from DXN or Finovax
  4. Using Finovax materials to mislead prospects regarding DXN earnings or success probability

Any violation may result in:

  1. Immediate termination of Finovax program access without refund
  2. Mandatory corrective disclosures
  3. Reporting of unethical conduct to the concerned direct selling company, if legally required

8. Intellectual Property

All content, materials, videos, documents, trademarks, and training resources are the intellectual property of Finovax Learning Academy and may not be copied, resold, or distributed without written permission.

9. Limitation of Liability

Finovax shall not be liable for:

  1. Loss of income or business opportunity
  2. Indirect or consequential damages
  3. Actions taken by third-party companies

Total liability, if any, shall be limited to the amount paid for undelivered services only.

10. Governing Law, Arbitration & Jurisdiction

These Terms and all services provided by Finovax Learning Academy shall be governed by and construed in accordance with the laws of India, irrespective of the participant's country of residence or location.

Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, the services, training programs, fees, representations, or the relationship between the participant and Finovax Learning Academy shall be first resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996.

  1. The seat and venue of arbitration shall be Mumbai, Maharashtra, India
  2. The arbitration proceedings shall be conducted in the English language
  3. The arbitral award shall be final and binding on all parties

Jurisdiction

Subject to the arbitration clause above, the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction over all matters arising out of or relating to these Terms.