Terms and Conditions

Terms & Conditions

Effective April 2026 · Version 1.0 · In English.

These terms apply to all courses offered through kaushambimate.com. By completing a purchase you confirm that you have read, understood, and accepted these terms.

1. Provider

Kaushambi Mate, Telgte, Germany. Contact: connect@kaushambimate.com. Full legal details in the Impressum.

2. Scope

These terms cover live online courses delivered via Google Meet. They do not cover design consulting or brand services offered separately on the same website.

3. Prices and VAT

All prices are stated in Euros (€) and are final prices. Kaushambi Mate operates under the Kleinunternehmerregelung (§19 UStG) — no VAT is charged on any course. A purchase confirmation (Quittung) is available on request; it does not include a VAT line.

4. Payment

Payments are processed via Stripe. Accepted methods: credit/debit card (Visa, Mastercard, Amex), SEPA Direct Debit where available. Payment is due at the time of booking. No invoice with VAT can be issued (see §3).

5. Access to Live Courses

After confirmed payment, you will receive a confirmation email containing a Google Meet link. You are responsible for having a stable internet connection, a compatible device, and a working Google account. Sessions are not recorded and recordings are not shared.

6. Access to Course Files

Course Files related to these are made available immediately upon confirmed payment via email. Files are for personal use only — redistribution or resale is not permitted.

7. Reschedule Policy

If you are unable to attend your registered cohort, you may transfer your registration to the next available cohort of the same course at no additional cost. Please notify us at least 24 hours before the session by email. No more than two rescheduling requests per purchase.

8. Intellectual Property

All course materials — slides, Excel files, workbooks, templates — remain the intellectual property of Kaushambi Mate. Participants are licensed to use materials for personal, non-commercial purposes only. Commercial use, redistribution, or publication in any form requires prior written permission.

9. Disclaimer

Courses and course materials provide general educational information only. They do not constitute legal, tax, financial, or professional advice. Individual circumstances vary. For personal guidance, consult a licensed Steuerberater, Lohnsteuerhilfeverein, or Rechtsanwalt.

10. Governing Law

These terms are governed by the laws of the Federal Republic of Germany. Disputes shall be settled by the competent courts in Warendorf or Münster unless mandatory consumer protection law requires otherwise.

Refund Policy

Live Courses

Full refund: Requested more than 7 days before the session date → 100% refund, processed within 5 business days.

Partial refund: Requested between 3–7 days before the session → 50% refund.

No refund: Requested less than 72 hours before the session → no refund, but your registration transfers to the next cohort at no cost.

If we cancel: In the unlikely event a session is cancelled by us, you will receive a full refund within 5 business days, or your registration transfers to the rescheduled date — your choice.

How to Request

Email connect@kaushambimate.com with your order confirmation number, the name of the course, and your request. We aim to respond within 2 business days.

Educational Disclaimer
All content provided through kaushambimate.com courses and course materials is for educational and informational purposes only. It does not constitute legal, tax, financial, or professional advice of any kind.

Not Tax or Legal Advice

The German Tax Literacy 101 course, associated Excel materials, and all related content explain how the German tax system generally works for the described profiles. General information about how a system works is not the same as advice tailored to your individual circumstances.

Tax situations vary significantly depending on individual circumstances including employment type, income sources, marital status, residency status, previous years’ declarations, and applicable double taxation treaties. What applies to the course examples may not apply to you.

Consult a Professional

For advice specific to your situation, consult a licensed Steuerberater (tax advisor), a Lohnsteuerhilfeverein (wage tax assistance association), or a Rechtsanwalt (lawyer) qualified in tax law. These professionals are regulated, insured, and able to give binding advice.

Accuracy

While we make every effort to keep course materials accurate and up to date with current German tax law, tax rules change. Verify information against official sources (Bundesministerium der Finanzen, ELSTER, your local Finanzamt) before making decisions.

No Liability

Kaushambi Mate accepts no liability for decisions made based on course content or course materials. Participation in courses or use of materials is at your own risk.