Terms and conditions

Terms and conditions

Smart Money Tree – Sow & Grow Your Own…

General Conditions

  • We reserve the right to refuse service to anyone for any reason at any time.
  • Prices for our products/services are subject to change without notice.
  • You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
  • We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
  • Certain content, products and services available via our service may include materials from third-parties. Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

Acceptance of this Agreement

By clicking on the 'SIGNUP' option, the participant ("You" or "Your") agrees to the Terms and Conditions, obligations, representations, warranties, and agreements contained herein (the "Agreement"). In the event, you are not willing to accept the Agreement, you shall not be authorized or allowed to proceed further to view or use in any manner any content, information, courseware, products and services ("Services") published,available or provided on www.thebudgetree.com (the "Website"), which is owned, maintained and monitored by Budgetree ("Us", "We" or "Our").

User ID and Password

By entering into this Agreement, you acknowledge and agree that your user ID and password ("Participant Account") is for your exclusive use only. Use or sharing of your participant account with another user is not permitted and is cause for immediate blocking of your access to the website, the services and the content, the courseware, and termination of this Agreement.

You agree that you are solely responsible for maintaining the confidentiality of your participant account and for all activities that occur under it. You agree to immediately notify us if you become aware of or have reason to believe that there is any unauthorized use of your participant account. You also agree to take all reasonable steps to stop such unauthorized use and to cooperate with us in any investigation of such unauthorized uses. We shall not under any circumstances be held liable for any claims related to the use or misuse of your participant account due to the activities of any third party outside of our control or due to your failure to maintain the confidentiality and security of your participant account.

Content and Courseware

As a part of our services offered through our website, we shall grant you access to our content, courseware, practice tests, and other information, documents, and data which may be in audio, video, written, graphic, recorded, photographic, or any machine-readable format in relation to the specific training course you have registered for ("Content and Courseware").

We reserve the right to amend, revise or update the Content and Courseware offered to you. In the event such an amendment, revision or updationoccurs, we may require you pay an additional fee to access such amended, revised, or updated Content and Courseware.

Free Access

The selected courses of free access (hereinafter the “Courses”) are brought to you by Budgetree. Your access to the said courses is limited to the extent of self-learning videos and course resources only. Nothing herein shall at any time be construed to mean unhindered or unconditional access to all the features of the said Courses, as may be available upon purchase of the respective Courses.


Your free access to these courses shall be limited to such respective number of days, as may be notified against each Course on the date of your enrollment, and shall be revoked at the instance of expiry of the respective number of days. However, Budgetree at its sole option reserves the right to revoke or extend your free access to all contents made available to you at any early instance under the free access without any notice or liability.


Upon your enrollment to these free courses, no license is deemed to be granted to you for further sale or to utilize the materials for any reuse, reproduction, re-publication for commercial/non-commercial purposes. All materials provided to you under the free access are copyright products of Budgtree. Any violation of laws herein, or otherwise, shall make you liable to the maximum extent available under law.


The above terms shall be read along with Budgetree’s Privacy Policy and in the event of any conflicts, the ones stated here shall prevail, but to the extent of the said free access Courses only.

Please also read our Rufund& Cancellation Policycarefully.


Budgetree reserves all other rights, ‘ingress’ & ‘egress’ with respect to the free access, and may extend or forfeit the tenure of this offer at any time.

Usage of the Website and Services

We grant you a personal, restricted, non-transferable, non-exclusive, and revocable license to use the Website, the Services, and the Content and Courseware offered through the Website/app till the time the completion of the training course that you have enrolled for or the termination of this Agreement according to the Terms and Conditions set forth herein, whichever is earlier. The Services and the Content and Courseware are provided solely for your personal and non-commercial use to assist you in training course you have registered for ("Restricted Purpose").

You are permitted online access to the Website, the Services, and the Content and Courseware and may download, save, or print the Content and Courseware solely for the Restricted Purpose.

You are not permitted to reproduce, transmit, distribute, sub-license, broadcast, disseminate, or prepare derivative works of the Content and Courseware, or any part thereof, in any manner or through any communication channels or means, for any purpose other than the Restricted Purpose, without Our prior written consent.

Intellectual Property Rights

While You are granted a limited and non-exclusive right to use the Website, the Services, and the Content and Courseware for the Restricted Purpose as set forth in this Agreement, You acknowledge and agree that we are the sole and exclusive owner of the website/app, the Services and the Content and Courseware and as such are vested with all Intellectual Property Rights and other proprietary rights in the Website, the Services, and the Content and Courseware.

You acknowledge and agree that this Agreement other than permitting You to use the Website, the Services, and the Content and Courseware for the Restricted Purpose does not convey to You in any manner or form any right, title or interest of a proprietary, or any other nature in the Website, the Services, and the Content and Courseware.

Usage of Personal Information of Participants

We reserve the right to feature your picture in any photos, videos, or other promotional material used by us. Further, we may use your personal information to inform you about other training courses offered by us. However, We shall not distribute or share Your personal information with any third party marketing database or disclose Your personal information to any third party except on a case-to-case basis after proper verification of such third party or if required under any applicable law.

Limitation of Liability

You expressly agree that use of the Website, the Services, and the Content and Courseware are at your sole risk. We do not warrant that the Website or the Services or access to the Content and Courseware will be uninterrupted or error free; nor is there any warranty as to the results that may be obtained from the use of the Website, the Services or the Content and Courseware or as to the accuracy or reliability of any information provided through the Website, the Services, or the Content and Courseware. In no event will we or any person or entity involved in creating, producing, or distributing the Website, the Services, or the Content and Courseware be liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use the Website, the Services, or the Content and Courseware.

The disclaimer of liability contained in this clause applies to any and all damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of records or any other material, whether for breach of contract, negligence, or under any other cause of action.

You hereby specifically acknowledge that we are not liable for any defamatory, offensive, wrongful, or illegal conduct of third parties or other users of the Website, the Services or the Content and Courseware and that the risk of damage or injury from the foregoing rests entirely with each user.

You agree that Our liability or the liability of our affiliates, directors, officers, employees, agents, and licensors, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the Services or the Content and Courseware shall not exceed the fee you paid to Us for the particular certification training course.

Term and Termination

This Agreement will become effective upon your acceptance of the terms of this Agreement by your clicking on the "I ACCEPT" button and, subject to the terms and conditions of this Agreement, will remain in effect till you maintain a current, fully paid up online Participant Account, or until terminated by us, whichever is earlier.

We reserve the right to terminate this Agreement and block Your access to the Content and Courseware with immediate effect by sending a written notice through email to You to this effect ("Immediate Termination Date"), if such termination is made as a result of Your misrepresentation, default, misconduct, or breach of Your obligations related to or under this Agreement ("Event of Default"). On the occurrence of any Event of Default, We shall be authorized to exercise all the rights and remedies under this Agreement or applicable Law or available in equity to seek indemnification for any Loss or Claim resulting from any such Event of Default.

Governing Law and Jurisdiction

All the Participants must take a note that this agreement shall be governed by and construed in accordance with the Laws of India and the courts in Pune, Maharashtra, India shall have the exclusive jurisdiction over any matter relating to, in connection with, or arising out of, this Agreement.

Amendment and Assignment

We reserve the right to unilaterally amend or modify this Agreement without giving any prior notification to you. We shall however publish the revised agreement on the Website so that you are aware of the revisions, modifications and amendments made by us to this Agreement. You acknowledge and agree that it is your responsibility to check the Website periodically for any revisions, modifications, and amendments. Your continued use of or access to the Website, the Services, and the Content and Courseware following the posting of any changes to this Agreement shall constitute acceptance of those changes.

You are not permitted to assign this Agreement or the rights and obligations mentioned in this Agreement to any third party and You only shall be held liable for any breach of this Agreement or any terms and conditions hereof.

Entire Agreement

This Agreement, along with the Privacy Policy, Cancellation &Refund Policy, Terms & conditions, and any additional guidelines, rules, and/or disclaimers posted on the Website constitutes the entire agreement governing your use of our website and supersedes any prior agreements, if any, relating to any matter dealt within this Agreement.

Grievance Redressal

In case you have any concerns or queries, please reach out to us. Our Grievance Officer shall undertake all reasonable efforts to address your grievances in the shortest possible time. You may contact us at:

Email: support@thebudgetree.com