Last updated: July, 2025

1. Introduction

This website (“Website”) is operated by Meru Senior Living Private Limited (“Meru”, “we”, “us”, “Company”). By using our website and purchasing our online financial education courses or services (“Services”), you agree to these Terms of Service (“Terms”). If you do not agree, please do not use our Website, your continued usage shall be considered and deemed as acceptance of these Terms.

We may update these Terms from time to time. Any changes will be posted here, and your continued use of our Website means you accept those updates.

2. Eligibility

You must be at least the age of majority as per applicable laws in your place of residence to access or use our Website and Services. By using our Website, you confirm that you meet this requirement and that you have the legal capacity to enter into a binding contract.

3. Use of Services

You agree to use our Website and Services only for lawful purposes, in line with these Terms and applicable laws. You must not:

• Reproduce, copy, resell, or exploit any part of our Services or content without our written consent.
• Use the Website or its content to violate any applicable laws, including intellectual property rights.
• Share or transfer your account or password with anyone else. You are responsible for maintaining the confidentiality of your account and must notify us immediately of any unauthorised use.

We reserve the right to suspend or terminate your account if we suspect any misuse or violation of these Terms.

4. Products, Pricing & Payments

All course descriptions, fees, and payment methods are clearly listed on our Website. Prices are subject to change at our sole discretion without prior notice. We may limit or refuse sales to anyone, for any reason.

Payments must be made using the approved methods on our Website. Refunds are governed by our separate Refund Policy. By purchasing a course, you agree to pay all applicable fees and taxes.

5. Accuracy and Use of Information

The content and materials on our Website, including our financial education courses, health and nutrition courses, mental health courses or any other course material are provided for general educational purposes only. While we strive to ensure that all information is accurate and up to date, we do not guarantee its completeness, reliability, or relevance for your specific needs.

Nothing on this Website constitutes professional advice — including financial, investment, tax, health, nutrition, mental health or legal advice. You should seek independent advice from qualified professionals before acting on any information. Your use of any material or reliance on any information provided is at your own risk.

We may update, change, or remove any part of our content at any time but are not obliged to do so.

6. Third-Party Links

Our Website may include links to websites, products, or services operated by third parties. These links are provided for your convenience only. We do not control or endorse third-party sites and are not responsible for their content, privacy practices, or accuracy.

Any dealings you have with third parties are solely between you and that third party. We are not liable for any loss or damage arising from your use of any third-party websites or resources.

7. User Content & Feedback

If you submit comments, ideas, suggestions, or other content (“User Content”) to us, you grant us a worldwide, royalty-free right to use, reproduce, modify, publish, and share that content in any format.

You agree that your User Content will not infringe any third-party rights, contain unlawful material, or include harmful code. You alone are responsible for your submissions. We are not responsible or liable for any User Content posted by you or others.

8. Personal Information

Your submission and use of personal data through our Website is governed by our [Privacy Policy]. Please read it carefully to understand how we collect, use, and protect your information.

9. Prohibited Uses

You agree not to use our Website or Services to:

• Break any laws or infringe rights.
• Violate our intellectual property or misuse our content.
• Harass, abuse, or discriminate against any person.
• Upload viruses or malicious code.
• Interfere with the Website’s security or network integrity.
• Attempt to collect or misuse other users’ personal information.

We reserve the right to suspend or terminate your access if you engage in prohibited activities.

10. Warranties & Limitation of Liability

Our Website and Services are provided “as is” and “as available”, without any warranties of any kind, either express or implied. We do not warrant that the Website will always be secure, error-free, or uninterrupted.

To the maximum extent permitted by law, Meru and its directors, officers, employees, and partners will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Website or Services.

11. Indemnification

You agree to indemnify and hold harmless Meru, its affiliates, directors, employees, and agents from any claims, losses, liabilities, or expenses (including legal fees) arising from your breach of these Terms, violation of any law, or infringement of any third-party rights.

12. Termination

We may suspend or terminate your access to our Website and Services at our discretion if you breach these Terms or applicable laws. Your obligations under these Terms will survive any termination. You may stop using our Website at any time by closing your account or ceasing to access it.

13. Governing Law & Jurisdiction

These Terms are governed by Indian laws. All disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

14. Contact Us

If you have any questions about these Terms, please contact us at support@merulife.com.

15. Eligibility

You must be at least the age of majority under applicable laws to use our Website and Services.