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1. Educational Purpose Disclaimer

All content, digital products, Excel templates, e-books, guides, MIS formats, business and accounting tools, ready-made resources, online courses, video tutorials and other materials provided by AMS Life Institute are intended for general educational, informational and productivity purposes. Our resources are designed to support learning, practice, skill development, business activities and productivity.

Depending on the specific product, resources may include ready-to-use templates, practical business tools, automated solutions, formulas, macros, dashboards and other functional features. Not every product is automated or includes macros.

Our materials do not constitute professional financial, legal, tax, investment, accounting or other regulated advice. Users should independently verify information, calculations, formulas, data and outputs before relying on them for actual business, financial or operational decisions. Users are responsible for determining whether a resource is suitable for their individual requirements and intended use.

AMS Life Institute does not guarantee specific financial, professional, academic or business results from the use of its resources. Results may vary depending on the product, user knowledge, circumstances and how a resource is used.

2. Terms of Use

By accessing our website, purchasing our products or using our services, you agree to comply with these Terms of Use.

Permitted use: Customers may use digital products and resources for personal, educational or internal business purposes, subject to the applicable product licence and usage conditions.

Restrictions: Unless expressly permitted in writing, customers may not:

• Resell our original digital products.
• Redistribute or publicly share purchased files.
• Reproduce or commercially distribute our original materials.
• Upload paid resources to public websites.
• Share paid course access or login credentials with unauthorized individuals.
• Claim our original content or resources as their own.

Product information: We make reasonable efforts to ensure product descriptions, features, pricing and other information are accurate. Customers should review descriptions, included features, compatibility requirements and access conditions before purchasing. Product descriptions, features, availability and pricing may be updated from time to time, subject to applicable law and customer rights.

User responsibilities: Users are responsible for providing accurate information, keeping account credentials secure and using our website and products lawfully. Users must not attempt to damage, disrupt or gain unauthorized access to our website or services.

Intellectual property: Purchasing a product does not transfer ownership of its copyright or intellectual property. Customers receive only the usage rights specified in the applicable product licence.

3. Digital Product, Cancellation & Refund Policy

AMS Life Institute provides digital products, educational resources and productivity solutions. These may include Excel templates, e-books, guides, MIS formats, business and accounting tools, ready-made resources, online courses, video tutorials and other digital materials. Customers are requested to carefully review the product description, features, requirements and included services before purchasing.

Digital product refunds: Because products may include instantly accessible digital downloads or online access, change-of-mind refund requests after successful delivery or access may generally not be accepted. However, customers may contact us for an appropriate resolution in situations such as:

• Duplicate payment for the same order.
• Payment completed but the purchased product was not delivered.
• A digital file is corrupted, damaged or inaccessible.
• A product is materially different from its advertised description.
• An incorrect product has been delivered.
• A technical issue prevents access and cannot reasonably be resolved.
• Any other situation where a refund or remedy is required under applicable law.

Online courses and video tutorials: Course access conditions, validity periods and refund terms will be specified on the respective course or product page. Change-of-mind cancellations after access has been provided may generally not qualify for a refund, subject to applicable law and any specific refund guarantee offered for the course.

Technical issues: If a purchased resource does not function substantially as described, customers may contact our support team. Where appropriate, we may provide a corrected file, replacement download link, access assistance or another suitable resolution.

Refund request process: Please provide your full name, registered email address, order ID, payment reference (if available), reason for the request and relevant screenshots or supporting information. Approved refunds will generally be initiated through the original payment method or another mutually agreed lawful method. The time taken to appear in the customer's account may depend on the bank or payment service provider.

Nothing in this policy limits any rights or remedies available to customers under applicable consumer protection laws.

4. Privacy Policy

AMS Life Institute respects your privacy and is committed to protecting personal information shared through our website. Depending on how you use our website, we may collect your full name, email address, mobile number, billing and order information, payment transaction references, course registration information, customer support communications, and website usage or technical information.

How we use information: We may use information to process orders and payments, deliver purchased digital products, provide course and video access, send order confirmations and invoices, respond to enquiries, provide technical assistance, improve our website and services, prevent fraudulent or unauthorized activities, and comply with applicable legal obligations. Marketing communications will be sent subject to applicable consent requirements.

Payment information: Payments may be processed through authorized third-party payment gateways. Customers should enter payment credentials only through authorized payment service providers. AMS Life Institute does not request passwords, complete card details or banking credentials through email or WhatsApp.

Cookies: Our website may use cookies and similar technologies to improve functionality, remember preferences, understand website traffic and enhance user experience. Where required, consent will be obtained before using non-essential cookies.

Sharing, security and retention: We do not sell personal contact information to third parties. Information may be shared with relevant service providers, such as payment gateways, website hosting providers, email services and course delivery platforms, when necessary to operate our services and fulfil legitimate business purposes. We take reasonable technical and organizational measures to protect personal information. Information will be retained only for as long as reasonably necessary for business operations, customer support, legal compliance and dispute resolution.

Your privacy rights: Subject to applicable law, customers may request access to, correction of or deletion of their personal information and may exercise applicable consent withdrawal rights. For privacy-related requests, contact us through our official email address. Our website may contain links to external websites and services; we are not responsible for their content, security or privacy practices.

5. Product Compatibility & Technical Support

Technical requirements may vary depending on the specific product. Some products may require specific software, applications, Excel versions, operating systems, internet access or other technical features. Certain Excel resources may include formulas, macros, VBA code, dashboards or other automated functionality; not every product requires these features. Applicable software, device and compatibility requirements will be mentioned on the respective product page wherever relevant.

Customers are responsible for reviewing stated technical requirements before purchasing and ensuring that their device and software support the product's intended functionality.

Technical assistance may include: product downloads and access, basic installation instructions, file opening and usage guidance, and basic technical troubleshooting. The scope and duration of technical support will be specified on the relevant product page wherever applicable.

Product updates: Free or paid updates, upgrades and additional features will be provided according to the conditions specified for the respective product. Unless expressly stated otherwise, future updates and additional features are not automatically included with every purchase.

Customization: Customization, additional features, modifications and personalized digital solutions may be offered separately at an additional cost, subject to availability and mutually agreed requirements.

6. Digital Product Delivery Policy

AMS Life Institute primarily provides digital products, educational materials and online learning resources. Physical shipping is generally not required for these purchases.

Delivery methods: Purchased resources may be delivered through direct download links, registered email addresses, customer account dashboards, online course platforms or other designated digital delivery systems.

Delivery time: Automatically delivered products are generally made available after successful payment confirmation. Some products may require manual verification or processing. In such cases, the estimated delivery time will be mentioned on the relevant product page.

Download and access issues: If a customer does not receive a product or experiences difficulty accessing a download, they may contact our support team and provide their order ID, registered email address and product details. We will make reasonable efforts to resolve delivery and access problems.

Physical products: If AMS Life Institute introduces physical products in the future, applicable shipping charges, delivery estimates, geographical availability and return conditions will be disclosed on the respective product page.

7. Copyright & Intellectual Property Policy

AMS Life Institute respects intellectual property rights and expects customers to do the same. Unless otherwise stated, original materials owned or licensed by AMS Life Institute may include Excel templates and spreadsheets, MIS formats and dashboards, e-books and educational guides, business and accounting tools, ready-made digital resources, online courses and video tutorials, written content and educational materials, website graphics, designs and branding, and original formulas, automation structures and other digital resources.

Product usage licence: Customers receive a limited, non-exclusive and non-transferable licence to use purchased products for the purposes and within the conditions specified on the respective product page. Unless expressly permitted, this licence does not authorize resale, redistribution, public sharing or commercial exploitation of our original digital files.

Prohibited activities: Without prior written permission, users must not resell original digital products, distribute purchased files to unauthorized individuals, upload paid resources to public websites, reproduce or commercially distribute courses and videos, redistribute original resources as their own products, remove copyright notices or ownership information, or claim original materials as their own work.

Third-party trademarks, software names, logos and materials referenced in our resources remain the property of their respective owners. If you believe that any content on our website infringes your intellectual property rights, contact us with relevant identification, supporting information and the location of the disputed material. We will review genuine complaints and take appropriate action in accordance with applicable law.

8. General Legal Information

These policies apply to the use of the AMS Life Institute website, digital products, educational resources and services. We may update these policies from time to time to reflect changes in our business, services, technology or applicable legal requirements. Updated policies will be published on this page with a revised date.

These policies shall be governed by the laws of India, subject to applicable consumer protection rights and the jurisdiction of competent courts and authorities. Nothing in these policies is intended to exclude any legal rights or remedies that cannot lawfully be excluded.

9. Contact & Grievance Information

For questions, complaints, refund requests, technical support or privacy-related enquiries, please contact AMS Life Institute:

• Website: amslifeinstitute.com
• Founder / Grievance Contact: Amin Alam
• Official & Support Email: amslifeinstitute@gmail.com
• Phone / WhatsApp: +91 80063 00612 · Chat on WhatsApp
• Business Address: Diwan Shah Dargah Road, Near Babu Chuni, Bhiwandi, Thane, Maharashtra – 421305, India.
• Support availability: Support enquiries can be sent 24 hours a day; response times may vary. We aim to acknowledge grievances within 48 hours and resolve them within the applicable legal timeframe, ordinarily within one month of receipt.

For privacy, refund and grievance requests, please include your name, registered email address and order details where relevant so we can identify and review the matter.