Terms of Service for JIVIKA PARIVAR NIDHI LIMITED

Effective Date: [Insert Effective Date]

These Terms of Service (the "Terms") govern access to and use of the website, platforms, applications, content, and related services operated by JIVIKA PARIVAR NIDHI LIMITED ("JIVIKA PARIVAR NIDHI LIMITED", "we", "us", or "our"). By accessing, browsing, registering for, or using our services, you agree to be bound by these Terms. If you do not agree, you must not access or use the services.

These Terms are intended to comply with applicable Canadian laws, including consumer protection, privacy, and contract principles to the extent relevant to the services offered and the user’s location. If any mandatory law provides you with greater rights, those rights will apply.

1. Introduction and Acceptance of Terms

JIVIKA PARIVAR NIDHI LIMITED provides podcast-related services through the website drylfi.click, including access to podcast content, audio programs, informational materials, and related digital features (collectively, the "Services").

By using the Services, you represent and warrant that:

• you have read, understood, and agree to be bound by these Terms;
• you are of legal age and have capacity to enter into a binding contract under applicable law;
• if you are using the Services on behalf of an organization, you have authority to bind that organization.

We may require additional terms, policies, or service-specific conditions for certain features, subscriptions, promotions, or third-party offerings. If there is a conflict between these Terms and any additional terms, the additional terms will govern to the extent of the conflict.

2. Scope of Services

The Services may include, without limitation:

• streaming, downloading, or accessing podcast episodes and related audio content;
• subscription-based or free access to certain content or features;
• newsletters, notifications, updates, and promotional communications;
• comments, community features, ratings, reviews, or interaction tools, if offered;
• customer support and account-related features;
• billing, payment, and subscription management tools, where applicable.

We may modify, suspend, discontinue, or restrict any aspect of the Services at any time, subject to applicable law and, where appropriate, prior notice. We do not guarantee uninterrupted availability, error-free operation, or that any specific content will remain available indefinitely.

The Services are intended for lawful use only and may not be used in any manner that violates these Terms, applicable law, or the rights of any third party.

3. User Obligations and Responsibilities

You agree to use the Services responsibly and lawfully. In particular, you agree that you will not:

• use the Services for unlawful, fraudulent, defamatory, harassing, abusive, or misleading purposes;
• copy, reproduce, record, distribute, publicly perform, sell, license, or otherwise exploit content except as expressly permitted;
• attempt to bypass, disable, or interfere with security, access controls, digital rights management, or usage restrictions;
• upload, transmit, or introduce viruses, malware, spyware, bots, or other harmful code;
• use automated means, scraping, harvesting, or data extraction without our prior written permission;
• impersonate another person or entity, or misrepresent your identity, credentials, or affiliation;
• interfere with the operation, integrity, or security of the Services;
• infringe any intellectual property, privacy, publicity, or other legal rights.

If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You must notify us promptly if you suspect unauthorized access or any security breach.

You are responsible for ensuring that your devices, internet access, and software are compatible with the Services and for any charges imposed by your internet service provider or mobile carrier.

4. Payment Terms and Conditions

Some Services may be provided free of charge, while others may require a one-time fee, subscription, donation, or other payment. By submitting payment information, you represent that you are authorized to use the selected payment method.

• All fees are disclosed at the time of purchase or subscription, unless otherwise stated.
• Fees may be subject to applicable taxes, including GST/HST, QST, PST, or similar taxes where required by law.
• Prices may change from time to time, subject to applicable law and prior notice where required.
• Recurring subscriptions, if offered, will continue until canceled in accordance with the applicable cancellation process.
• Payment processing may be handled by third-party processors, and their terms may apply in addition to these Terms.

We may suspend or terminate access to paid Services if payment is declined, reversed, disputed, or not received when due. You are responsible for any fees charged by your financial institution, including foreign exchange or cross-border charges.

Unless otherwise required by law or expressly stated in a separate written policy, all fees are non-transferable and may be non-refundable once access to the relevant digital content or subscription period has begun.

5. Cancellation and Refund Policy

If a subscription or recurring service is offered, you may cancel it according to the cancellation instructions provided through your account settings, support channels, or the applicable service page. Cancellation will generally take effect at the end of the current billing cycle unless otherwise specified.

To the fullest extent permitted by applicable Canadian law, fees paid for already delivered or already accessible digital content, subscriptions, or services are non-refundable, except where:

• required by applicable law;
• we expressly state otherwise in a written refund policy or offer;
• there has been a billing error attributable to us;
• the Services were not made available due to our verified technical failure.

Any approved refund may be issued through the original payment method or another method we reasonably choose. Processing times may vary depending on the payment provider and financial institution.

We reserve the right to investigate refund requests and to deny requests that we reasonably determine to be abusive, fraudulent, or unsupported by evidence.

6. Liability Limitations

To the maximum extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

JIVIKA PARIVAR NIDHI LIMITED does not guarantee:

• that the Services will be uninterrupted, timely, secure, or error-free;
• that content will always be accurate, complete, current, or suitable for your purposes;
• that defects or errors will be corrected immediately;
• that files, data, or downloads will be free from harmful components.

To the maximum extent permitted by law, JIVIKA PARIVAR NIDHI LIMITED will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or aggravated damages, or for loss of profits, revenue, goodwill, data, business, opportunity, or anticipated savings, arising out of or related to the Services or these Terms, even if advised of the possibility of such damages.

To the extent liability cannot be excluded under applicable law, our total aggregate liability arising out of or relating to the Services or these Terms will be limited to the amount you paid to us, if any, for the specific Service giving rise to the claim during the twelve (12) months preceding the event giving rise to liability, or the minimum amount required by law, whichever is greater.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud, wilful misconduct, or any other liability that cannot be excluded by law.

7. Intellectual Property Rights

All content, trademarks, service marks, logos, designs, audio recordings, podcast episodes, text, graphics, interfaces, software, code, compilations, and other materials provided through the Services are owned by or licensed to JIVIKA PARIVAR NIDHI LIMITED or its licensors, and are protected by applicable intellectual property laws.

Subject to your compliance with these Terms and payment of applicable fees, where relevant, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services for personal, non-commercial use only, unless otherwise agreed in writing.

You may not:

• modify, adapt, translate, reverse engineer, decompile, or disassemble any part of the Services;
• remove copyright, trademark, or proprietary notices;
• use our content or marks in a manner that suggests sponsorship or endorsement without permission;
• create derivative works from our content except where expressly permitted;
• reproduce or redistribute podcast content without prior written consent, except as allowed by law.

If you submit feedback, suggestions, ideas, or other submissions, you grant JIVIKA PARIVAR NIDHI LIMITED a worldwide, royalty-free, perpetual, irrevocable, transferable licence to use, reproduce, modify, adapt, publish, translate, distribute, and otherwise exploit such submissions for any lawful business purpose, without obligation to you, unless prohibited by law.

8. Data Protection and Privacy

We collect, use, disclose, store, and otherwise process personal information in accordance with applicable Canadian privacy laws, including, where applicable, the Personal Information Protection and Electronic Documents Act (PIPEDA) and any substantially similar provincial privacy laws.

By using the Services, you acknowledge that we may collect information such as:

• contact information you provide, such as name, email address, and phone number;
• account and subscription information;
• device, browser, IP address, and usage data;
• payment and transaction information processed through third-party payment providers;
• communications with us, including support requests and feedback.

We may use this information to:

• provide, maintain, and improve the Services;
• process transactions and manage subscriptions;
• communicate with you about your account, updates, and service notices;
• detect fraud, enforce these Terms, and protect our rights and users;
• comply with legal obligations and regulatory requests.

We may share personal information with service providers, payment processors, analytics providers, hosting providers, legal authorities, and other parties as necessary to operate the Services, comply with the law, or protect our rights. Some service providers may be located outside Canada, and your information may be stored or processed in other jurisdictions, where it may be subject to local laws.

Where required by law, we will obtain consent for certain uses of personal information and provide appropriate options to withdraw consent. For more information, please review our privacy policy, if available on the website.

9. Force Majeure

JIVIKA PARIVAR NIDHI LIMITED will not be liable for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused by events beyond our reasonable control, including but not limited to:

• natural disasters, floods, fires, earthquakes, or extreme weather;
• pandemics, epidemics, public health emergencies, or quarantines;
• war, terrorism, civil unrest, labour disputes, or government action;
• internet outages, telecom failures, hosting disruptions, or cyberattacks;
• power failures, hardware failures, or third-party service interruptions.

During such events, our obligations will be suspended for the duration of the force majeure event, and we will use commercially reasonable efforts to resume performance as soon as practicable.

10. Changes to Terms

We may update, revise, or replace these Terms from time to time at our discretion and in accordance with applicable law. When we make material changes, we may provide notice by posting the updated Terms on the website, updating the effective date, sending an email, or using another reasonable method.

Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Services.

11. Applicable Law and Jurisdiction

These Terms and any non-contractual obligations arising out of or in connection with these Terms or the Services will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles, except where the laws of another Canadian province or territory mandatorily apply to a consumer resident there.

Subject to any mandatory consumer protection rights or dispute resolution requirements under applicable law, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be brought exclusively before the competent courts located in Ontario, Canada.

Nothing in this section limits any rights that cannot be waived under applicable law, including applicable consumer rights, privacy complaint procedures, or regulatory remedies.

12. Contact Information

If you have questions, complaints, notices, or requests regarding these Terms or the Services, please contact:

We may contact you using the email address or phone number associated with your account or otherwise provided to us.

13. Severability Clause

If any provision of these Terms is held to be invalid, illegal, void, or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

If any invalid or unenforceable provision can be lawfully modified to reflect the parties' original intent, the provision will be deemed modified to the minimum extent necessary to make it valid and enforceable.

General Provisions

No waiver of any provision of these Terms will be effective unless made in writing. Our failure to enforce any right or provision will not constitute a waiver of such right or provision. 10/16/2026 Home