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Terms of Services for 
S.MONK - School Of Actuaries


Effective Date: April 10, 2025

Welcome to S.MONK - School of Actuaries!

These Terms of Service ("Terms") govern your use of our website (smonk.in) and services, including online and offline courses, recruitment, counselling, events booking, e-commerce, and our forum, The Sigma Circle. By accessing or using our services, you agree to these Terms. If you do not agree, please do not use our services.

1. Use of Services

  • Eligibility: You must be at least 18 years old to use our services, or have parental consent if under 18.
  • Account: You may need to create an account to access certain services. Keep your login details secure; you’re responsible for all activity under your account.
  • Acceptable Use: Use our services for lawful purposes only. Do not post harmful, offensive, or misleading content in our forum or elsewhere on our site.

2. Our Services

  • Courses: We offer online and offline courses for IAI and IFoA exams. We encourage students to attend trial lectures before purchasing videos or paying for offline or live online classes. Course access is granted upon payment, and content is for personal use only.
  • Recruitment: We list job opportunities and may share your application details with employers. We’re not responsible for hiring decisions.
  • Counseling: Free and paid counseling sessions are provided to guide your actuarial journey. Sessions may be recorded for quality purposes. If you fail to attend a scheduled paid counseling session, the fees cannot be adjusted or refunded.
  • Events Booking: You can book events through our site. Event details and cancellations are subject to the organizer’s policies.
  • E-commerce: Products purchased are for personal use. We process payments and share shipping details with logistics providers.
  • Forum (The Sigma Circle): You can post and interact in our forum. Content you share is your responsibility and must comply with our guidelines.

 3. Payments and Non-Refundable Policy

  • Trial Lectures: We strongly encourage you to attend trial lectures and make satisfactory inquiries before enrolling in any course or service.
  • Payments: Fees for courses, counseling, events, and e-commerce purchases must be paid as specified. We use third-party payment processors (e.g., Razorpay).
  • Non-Refundable Policy: All fees paid for any service, including courses, counseling, events, and e-commerce, are non-refundable under any circumstances. Please ensure you are satisfied with the trial lectures and inquiries before making any payment.

4. Intellectual Property

  • All content on our site, including course materials, is owned by S.MONK or our licensors. You may not copy, distribute, or use it without permission, except for personal learning purposes.

5. User Content

  • Content you post in The Sigma Circle (e.g., forum posts) remains yours, but you grant us a license to display and use it on our platform. We may remove content that violates these Terms.

6. Liability

  • Our services are provided "as is." We’re not liable for any damages arising from your use, including issues with course access, job applications, or event cancellations.

7. Termination

  • We may suspend or terminate your access if you violate these Terms. You can stop using our services at any time.

8. Changes to Terms

  • We may update these Terms and will notify you via our website. Continued use after changes means you accept the updated Terms.

9. Governing Law

  • These Terms are governed by the laws of India. Disputes will be resolved in the courts of Mumbai, India.

10. Contact Us