✍️ Manoj Nayak

Terms and Conditions

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Terms & Conditions

Effective Date: Jan 2025

  1. Introduction

These Terms & Conditions govern your use of Manoj Nayak’s Substack (“Newsletter”), published by UrbanWiz Communications (“Company,” “we,” “us”).

  1. Subscription and Payments • Subscriptions are managed via Substack. • Payments are processed securely through Stripe. • You may cancel anytime via your Substack account settings.

  2. User Responsibilities

By subscribing, you agree to: • Use the Newsletter for personal, non-commercial purposes. • Refrain from redistributing content without permission.

  1. Intellectual Property

All content in the Newsletter is owned by UrbanWiz Communications and protected under copyright laws. Unauthorized reproduction is prohibited.

  1. Refund Policy • Subscriptions are billed in advance. • We generally do not offer refunds, but you can cancel anytime to stop future billing.

  2. Changes to Terms

We may update these Terms periodically. Continued use of the Newsletter after changes constitutes acceptance.

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