Terms & Conditions

These Terms and Conditions govern your access to and use of the RCM DREAM website, mobile application, educational materials, digital products, and related services provided through our platform.

By visiting our website, using the app, creating an account where available, or purchasing a product, you agree to these terms to the extent applicable to the service you use.

Additional terms may apply to particular products, promotions, payment methods, or services. Where applicable, those terms should be read together with this document.

RCM DREAM may provide educational resources and information related to RCM business learning, direct selling, training, e-books, video lessons, quizzes, learning tools, and related digital services.

The available features may vary by product, subscription or purchase, app version, and platform availability. Not every feature is necessarily available to every user.

We may improve, update, add, or discontinue particular features where reasonably necessary, subject to applicable commitments and law.

You agree to use RCM DREAM responsibly, lawfully, and in a manner that does not harm the platform, its users, or third parties.

You must not:

• Attempt to hack, disrupt, damage, or gain unauthorized access to the website, app, servers, or accounts.
• Use the platform for unlawful activity, fraud, impersonation, or misleading conduct.
• Upload or distribute malicious code, harmful files, or unauthorized content.
• Use our contact channels or services to send spam, harassment, or unsolicited promotions.
• Copy, resell, redistribute, or commercially exploit protected content without authorization.
• Interfere with another user's access or attempt to bypass access restrictions.
• Violate applicable laws or another person's intellectual property or privacy rights.

We may investigate suspected misuse and take proportionate action where justified, including restricting access when necessary to protect the platform or comply with law.

Some features may require an account, registration, or purchase verification. You are responsible for providing accurate information when required and keeping your login credentials confidential.

• Do not share passwords, OTPs, or authentication codes with unauthorized persons.
• Use only the account and access rights assigned to you.
• Notify support if you suspect unauthorized account use or an access issue.
• Do not attempt to bypass course, account, or content access controls.

Please contact us if you have trouble accessing a legitimate purchase. We may request appropriate order or account details to verify your request.

Unless otherwise stated, the RCM DREAM website and its original content—including text, graphics, branding, page designs, videos, e-books, training materials, quizzes, and downloadable resources—are owned by or licensed to the relevant rights holder.

Permitted use

Subject to the terms of the relevant product, you may use purchased or accessible materials for your own permitted learning and reference.

Restrictions

• Do not reproduce, republish, sell, or redistribute protected materials without permission.
• Do not record, share, or upload restricted course content where prohibited by the relevant terms.
• Do not remove copyright notices or misrepresent the owner or source of content.
• Do not use RCM DREAM branding in a way that falsely suggests an official partnership or endorsement.

Third-party names, logos, and materials remain the property of their respective owners and may be subject to separate terms.

Product descriptions, included materials, language options, delivery methods, access duration, and eligibility should be reviewed on the relevant product or checkout page before purchasing.

• Digital content may be delivered through the website, app, account dashboard, or another stated method.
• Access may require a successful payment and verification of the relevant order.
• Access features and compatibility may depend on your device, software, and internet connection.
• Where a product offers a specified access period, that period is governed by the product description and applicable purchase terms.

If purchased content does not appear as expected, contact support with your order reference and the details of the issue. We will review the request and assist where appropriate.

Unless expressly stated on the relevant product page or otherwise required by law, purchasing a digital product does not transfer ownership of its underlying intellectual property to you.

Prices, product details, applicable charges, and payment options should be shown during the relevant purchase process. Please review the final order details before completing payment.

• Orders may be subject to payment authorization and verification.
• A payment confirmation or transaction reference may be used to help verify an order.
• Payment processing may be handled by a third-party payment provider under its terms and policies.
• If a payment is deducted but the order is not confirmed, contact support with the transaction details, avoiding full sensitive payment credentials.

We may correct genuine listing or pricing errors and update future prices or product availability. Changes will not override rights or commitments that apply to an already completed purchase.

Refunds, cancellations, and purchase-related requests are handled under the applicable Refund Policy, the terms displayed at purchase, and applicable consumer protection law.

Digital products may have specific eligibility conditions depending on the product and whether access or delivery has occurred. Please review the relevant refund terms before placing an order.

We do not intend this section to create an unconditional no-refund rule or to remove any non-waivable legal rights you may have.

For assistance with an order, contact help.rcmdream@gmail.com and include your order reference and a short description of the issue.

Add the direct link to your published Refund Policy here if a separate page is available. Make sure its conditions match your actual checkout and support process.

RCM DREAM provides educational and informational resources. Content may help users understand business concepts, training methods, and related learning topics.

We do not guarantee any particular income, sales volume, business growth, recruitment outcome, or financial result. Results may depend on factors including individual effort, experience, market conditions, business practices, and other circumstances.

Examples, illustrations, testimonials, or training scenarios—where provided—should not be treated as a promise that you will achieve the same outcome.

You are responsible for independently evaluating business decisions and ensuring that your activities comply with applicable laws and relevant company rules.

Information on the platform is not a substitute for personalized legal, financial, tax, or other professional advice where such advice is needed.

RCM DREAM may link to or integrate services operated by third parties, such as video platforms, payment providers, delivery tracking services, app services, or advertising providers.

These third parties may have their own terms, privacy policies, service availability, and operational requirements. We do not control independent third-party services.

If advertisements are displayed in the app or on supported pages, their presentation and operation may depend on the applicable advertising provider and the app configuration.

For additional details about advertising, refer to our Advertising Policy .

Our handling of personal information is described in the RCM DREAM Privacy Policy. Depending on the service you use, information may be processed to provide courses, manage orders, respond to support requests, maintain security, and operate the platform.

Please review our Privacy Policy for details about information handling, cookies, third-party providers, retention, and privacy requests.

These Terms and Conditions should be read together with the Privacy Policy where relevant.

We aim to keep our website, app, and learning services useful and accessible. However, access may occasionally be affected by maintenance, technical problems, internet connectivity, third-party outages, device compatibility, or other circumstances.

We may release updates, fix errors, modify features, or improve security. Certain updates may be needed for continued compatibility or proper operation.

We do not guarantee uninterrupted or error-free operation at all times. Where possible, we aim to address material service issues appropriately.

To the extent permitted by applicable law, RCM DREAM is not responsible for losses caused by circumstances outside its reasonable control, third-party service failures, user misuse, unsupported devices, or reliance on information without independent assessment.

We do not guarantee particular business or financial outcomes from the use of educational materials.

Nothing in these terms excludes or limits liability where such exclusion or limitation is prohibited by law, or removes applicable statutory rights available to a user or consumer.

We may restrict or suspend access where reasonably necessary to address suspected fraud, security risks, unlawful activity, serious misuse, or a material breach of these terms.

Where appropriate and practical, we may provide notice or an opportunity to resolve an issue. Immediate action may be necessary in some cases to protect users, systems, or legal interests.

Any effect on a paid purchase will be handled in accordance with applicable purchase terms and legal requirements.

We may revise these Terms and Conditions to reflect changes in our services, features, business practices, or applicable legal requirements.

The revised version will be published on this page with an updated date where appropriate. If a change requires specific notice or consent, we will take the steps required by applicable law.

Please review this page periodically to stay informed about the terms that apply to your use of RCM DREAM.

These terms are intended to be interpreted in accordance with the applicable laws of India. Disputes will be addressed by the competent courts or authorities as determined under applicable law.

Any specific choice of jurisdiction must be legally valid and must not override mandatory consumer protections or other non-waivable rights.

If you intend to specify Patna, Bihar, India, as the exclusive jurisdiction, confirm that this clause is appropriate for your business and legally enforceable before publishing it.

If you have a question about these Terms and Conditions, a course purchase, account access, or a platform-related issue, contact RCM DREAM using the details below.

Please share only the information needed to identify and understand your request. Do not send passwords, OTPs, or full payment credentials.