Legal & Policies

Privacy Policy

Dineshwara Manideepu & Associates (OPC) Private Limited ("we", "us", "our") is committed to protecting the privacy of visitors to our website (www.dmassociates.xyz) and customers who purchase our products or book our services. This policy explains what information we collect, why we collect it, and how we handle it.

1. Information We Collect

We collect the following personal information when you interact with us:

• When you purchase a toolkit: Full name, email address, and phone number — collected via our payment processor, Razorpay.
• When you book a discovery call: Full name, email address, and phone number — collected via Zoho Bookings.
• When you subscribe to our newsletter: Email address (newsletter functionality is not yet active; no data is currently collected via newsletter forms).

We do not collect sensitive personal data such as financial information, government identifiers, or biometric data. Payment card details are handled entirely by Razorpay and are never stored on our systems.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To deliver purchased products to your email address
• To generate and send GST-compliant invoices
• To schedule and conduct discovery calls
• To maintain a record of your purchase in our CRM for customer support
• To send appointment confirmations and reminders

We do not use your information for automated profiling, behavioural advertising, or any purpose unrelated to the service you requested.

3. Where Your Data Is Stored

Your information is stored across the following platforms, each with its own security and privacy practices:

• Razorpay — processes and stores payment transaction data (PCI DSS compliant)
• Zoho CRM — stores your contact record (name, email, phone, purchase history)
• Zoho Books — stores invoice and billing records
• Zoho Bookings — stores appointment booking details
• Microsoft 365 — delivery and transactional emails sent via our email systems

All of these platforms maintain their own data protection and security policies. We do not operate our own data servers.

4. Cookies and Tracking

Our website is hosted on Cloudflare Pages. We do not use analytics tools, tracking pixels, or advertising cookies. Cloudflare may collect basic, anonymised web analytics (page views, country of origin) as part of its infrastructure — this data is not personally identifiable and is not shared with us at an individual level.

5. Data Sharing

We do not sell, rent, or trade your personal information to third parties. Your data is shared only with the service providers listed in Section 3, and only to the extent necessary to deliver the product or service you purchased.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purpose for which it was collected, comply with legal obligations (including tax and accounting requirements under Indian law), and provide ongoing customer support. If you wish to request deletion of your data, contact us at the address below.

7. Your Rights

You have the right to:

• Request a copy of the personal data we hold about you
• Request correction of inaccurate information
• Request deletion of your data (subject to legal retention requirements)
• Withdraw consent for any communication you previously opted into

To exercise any of these rights, email us at [email protected]. We will respond within 30 days.

8. Changes to This Policy

We may update this policy from time to time. Changes will be reflected on this page with an updated "Last Updated" date. We encourage you to review this page periodically.

Terms of Service

These Terms of Service ("Terms") govern your use of the website www.dmassociates.xyz and any products or services offered by Dineshwara Manideepu & Associates (OPC) Private Limited. By accessing our website or purchasing our products, you agree to be bound by these Terms.

1. About Us

Dineshwara Manideepu & Associates (OPC) Private Limited is a strategic growth advisory firm registered in Hyderabad, Telangana, India. Our sole director is Dineshwara Manideepu. We provide digital toolkits and consulting services for early-stage startups (pre-seed to Series A).

2. Use of This Website

You may use this website for lawful purposes only. You agree not to:

• Use the site in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the website or its systems
• Use automated systems (bots, scrapers) to extract content from the website
• Reproduce, redistribute, or commercially exploit website content without written permission

3. Intellectual Property

All content on this website — including text, designs, graphics, logos, templates, frameworks, toolkit contents, and article content — is the intellectual property of Dineshwara Manideepu & Associates (OPC) Private Limited unless otherwise stated. Purchasing a toolkit grants you a personal, non-transferable, non-exclusive licence to use the toolkit files for your own business purposes. You may not resell, redistribute, sublicense, or publicly share toolkit files or their contents.

4. Consulting Services

Discovery calls booked via our website are subject to the Discovery Call Terms of Service presented during the booking process. Paid consulting engagements are governed by separate engagement agreements executed between DM & Associates and the client.

5. Accuracy of Information

We make every effort to ensure the information on our website and in our toolkits is accurate and current. However, the content is provided for general informational and strategic guidance purposes. It does not constitute legal, financial, tax, or investment advice. You should consult qualified professionals for advice specific to your situation.

6. Limitation of Liability

To the maximum extent permitted by law, Dineshwara Manideepu & Associates (OPC) Private Limited, its director, and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website, toolkits, or services. Our total liability for any claim relating to a purchased product shall not exceed the amount you paid for that product.

7. Indemnification

You agree to indemnify and hold harmless Dineshwara Manideepu & Associates (OPC) Private Limited from any claims, damages, losses, or expenses arising from your misuse of our products, services, or website content.

8. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Continued use of the website after changes constitutes acceptance of the updated Terms.

Purchase Policy

1. What You Are Purchasing

Our toolkits are digital products delivered as a bundle of files in PDF, Excel (.xlsx), and Word (.docx) formats. Each toolkit contains multiple modules designed to help early-stage founders validate, plan, and grow their startups.

2. Pricing

Toolkit prices are listed on our Products page. Prices may be displayed in Indian Rupees (INR) or United States Dollars (USD) depending on your location. The final price presented at checkout will include all applicable local taxes (such as GST for Indian residents) based on your billing country.

3. How to Purchase

Click the "Buy Now" button on the product page. You will be directed to a Razorpay checkout form where you provide your full name, email address, and phone number, and complete payment. No account creation is required.

4. Delivery

After successful payment, your toolkit files will be delivered to the email address you provided during checkout. Delivery is typically within 15 minutes of payment confirmation. The delivery email is sent from [email protected] and includes a download link for your toolkit files along with a link to your GST-compliant invoice.

5. Invoice

A formal tax invoice is automatically generated for every purchase and linked in your delivery email. For customers residing in India, this will be a fully GST-compliant invoice.

6. Licence

Your purchase grants you a personal, non-transferable, non-exclusive licence to use the toolkit files for your own business. See the Intellectual Property section of our Terms of Service for details on permitted use.

Return & Refund Policy

1. Digital Products — No Returns

Because our toolkits are digital products delivered electronically, they cannot be "returned" in the traditional sense. Once the toolkit files have been delivered to your email, the transaction is considered complete.

2. Refund Policy

No refunds will be issued after delivery of the digital files. By completing your purchase, you acknowledge that you are buying a digital product and that delivery is immediate.

3. Exceptions

We will consider a refund or redelivery in the following circumstances:

• Corrupted or inaccessible files: If the files you received are damaged, unreadable, or cannot be opened, contact us within 7 days of purchase and we will either resend the files or issue a full refund.
• Duplicate charge: If you were charged more than once for the same product due to a payment error, we will refund the duplicate amount in full.
• Non-delivery: If you did not receive the delivery email within 24 hours of payment (and it is not in your spam folder), contact us and we will investigate. If we cannot deliver the product, a full refund will be issued.

4. How to Request a Refund

Email us at [email protected] with the subject line "Refund Request" and include your full name, email used during purchase, and a description of the issue. We will respond within 3 business days. Approved refunds are processed via the original payment method through Razorpay and may take 5–7 business days to reflect in your account.

5. Consulting Services

Discovery calls are offered free of charge and are not subject to refund. Cancellation and rescheduling of booked calls is managed through Zoho Bookings. Paid consulting engagements have separate cancellation terms defined in the engagement agreement.

Payment Policy

1. Payment Processor

All payments on our website are processed securely by Razorpay, a PCI DSS Level 1 compliant payment gateway authorised by the Reserve Bank of India. Dineshwara Manideepu & Associates (OPC) Private Limited (which may appear as "DM Associates XYZ" on your bank or credit card statement) does not store, process, or have access to your payment card details.

2. Accepted Payment Methods

We accept the following payment methods through Razorpay:

• UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)
• Credit cards (Visa, Mastercard, RuPay, American Express)
• Debit cards (Visa, Mastercard, RuPay)
• Net banking (all major Indian banks)
• Wallets (as supported by Razorpay)

3. Currency

Prices are displayed in Indian Rupees (INR) by default. International customers may also be presented prices in USD, EUR, GBP, CAD, or AUD depending on their detected location. The currency and final amount are confirmed at checkout. All payments are processed by Razorpay.

4. Pricing and Taxes

Prices displayed on our website may be subject to applicable indirect taxes based on your billing jurisdiction.

For Indian Customers: Prices are inclusive of 18% Goods and Services Tax (GST). The taxable base amount and specific tax breakdown (CGST/SGST or IGST) will be clearly itemised on your final invoice.

For International Customers: Purchases made from outside India may be zero-rated for Indian GST as an export of digital goods. However, depending on your country's local regulations, your purchase may be subject to local digital services taxes or Value Added Tax (VAT), which will be calculated and displayed during the checkout process if applicable.

5. Payment Security

Razorpay uses 256-bit SSL encryption and is PCI DSS Level 1 certified — the highest level of payment security certification. Your transaction is protected by Razorpay's fraud detection systems and secure checkout infrastructure. We encourage you to verify you are on a legitimate Razorpay checkout page before entering payment details.

6. Payment Confirmation

Upon successful payment, Razorpay displays a confirmation message on screen. You will also receive a delivery email from [email protected] with your toolkit files and invoice link. If your payment is debited but you do not receive confirmation, please contact us at [email protected] with your transaction details.

7. Failed Payments

If a payment fails or is interrupted, no charge is applied. If you notice an amount debited for a failed transaction, it will typically be reversed by your bank within 5–7 business days. If it is not reversed, contact us with your transaction details and we will help resolve it with Razorpay.

Accessibility Statement

DM & Associates is committed to making our website accessible to all visitors, including people with disabilities. We are actively working to improve the usability and accessibility of our digital experience.

1. What We Do

We aim to follow the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level. Our efforts include:

• Using semantic HTML to ensure content is structured and navigable
• Providing sufficient colour contrast between text and backgrounds
• Ensuring all interactive elements are keyboard-accessible
• Using descriptive alt text for meaningful images
• Designing responsive layouts that work across devices and screen sizes
• Using clear, readable fonts at appropriate sizes

2. Known Limitations

As a growing company, our website is continuously evolving. Some areas may not yet fully meet WCAG 2.1 AA standards. We are aware of this and are working to address gaps as we identify them. Known areas for improvement include older pages that predate our current accessibility practices and third-party embedded content (such as Razorpay payment forms and Zoho Bookings) whose accessibility is managed by those providers.

3. Third-Party Content

Our website integrates services from third-party providers including Razorpay (payments), Zoho Bookings (appointment scheduling), and Cloudflare (hosting). While we choose providers with strong accessibility practices, we cannot guarantee full WCAG compliance for content rendered by these services. We encourage you to contact us if you encounter barriers with any part of our site.

4. Feedback

If you experience difficulty accessing any content on our website, or if you have suggestions for improving accessibility, please contact us at [email protected]. We take all feedback seriously and will do our best to respond within 5 business days with a solution or timeline for resolution.

5. Continuous Improvement

We view accessibility as an ongoing commitment, not a one-time project. We periodically review our website against current accessibility standards and will update this statement as our practices evolve.