📄Terms and Conditions – TOE

Welcome to TOE (Theory of Everything). By accessing this website and purchasing our digital products, you agree to the following terms:

1. Products

• All products on TOE are digital downloads only.

• You are granted a non-transferable, non-exclusive license to use the product for personal or commercial use (as stated).

2. Pricing & Payments

• Prices are in INR and inclusive of taxes unless mentioned otherwise.

• Payment is processed securely through Razorpay or similar trusted platforms.

3. Intellectual Property

• All content, products, and branding belong to TOE.

• You may not redistribute, resell, or share our products unless explicitly stated.

4. Account Access

• You are responsible for maintaining the confidentiality of your login details.

• TOE is not liable for any loss resulting from unauthorized access.

5. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the website constitutes your acceptance of any changes.