Sri Parashara Jyotisha Parishad
Kubera Yoga — Official Terms & Conditions
Official Terms, Conditions & Legal Framework Document
| Organising Body | Sri Parashara Jyotisha Parishad (Sri Parashara Jyotisha Parishad) |
| Platform Name | Kubera Yoga (Kubera Yoga Model) |
| Legal Scope | Consumer Protection (Direct Selling) Rules, 2021 |
| Last Updated | August 30, 2026 |
This legal document is a mandatory list of conditions that every user/devotee who uses the "Kubera Yoga" digital platform operated by Sri Parashara Jyotisha Parishadmust agree to. This platform is designed in full compliance with the Prize Chits & Money Circulation Schemes (Banning) Act 1978 (PCMCS Act 1978) and Reserve Bank of India (RBI) guidelines.
Definitions & Scope
Organisation / Parishad: Sri Parashara Jyotisha Parishad and its authorised website (kuberayoga.com / kuberayoga.in).
User / Bhakta: Any Indian citizen who has paid ₹300 on the website and registered for Puja services.
10 Levels: A 10-tier referral network structure (Dashaloka) built for user expansion and promotion.
Spiritual Service Rewards: Loyalty points or Prasadam Coins given to users to incentivise service promotion.
Nature of Services & Fees
When a user registers in the system, the ₹300 (Rupees Three Hundred only) payment is collected solely for Puja/Homa services conducted in the user's name and Gotra, sankalpa, a free live stream, and digital ashirvachanam — not for any other purpose.
This payment is not a financial deposit, investment (Investment), future profit guarantee, or within the scope of a Chit Fund. It is purely a "Fee for Service".
Legal & Financial Compliance
Puja Coins Loyalty System:In India, only schemes where money begets money are banned as "Money Circulation" or "Pyramid Schemes". Therefore, the "Coins" on this platform are solely the organisation's Spiritual Service Rewards. They are incentives given to users to expand service reach.
Sustainability Metrics: Out of every ₹300 service fee: ₹100 covers Puja performance and Samagri costs; ₹100 is distributed across 10 levels (Dashaloka) as referral network compensation (fixed at 10 coins per level); and the remaining ₹100 is retained by the organisation for operational expenses, platform infrastructure, and growth. This model is 100% financially sustainable (Highly Sustainable).
Digital Features, Live Streaming & Automation
Live Streaming: Devotees located far away are given the opportunity to watch the Homam performed that day through the website login, YouTube Live, or a Private Live Stream. If the live stream is not available at the scheduled time due to technical issues, a recorded video will be provided.
Digital Sankalpa & Prasad: At the time of booking, the Gotra names entered will be announced by the Purohit during the live Sankalpam. Immediately after the Puja is completed, an automated "Puja Receipt and Digital Ashirvachanam Card"will be sent to the devotee's registered WhatsApp number.
WhatsApp Bot Integration: WhatsApp bot setup will be available for the convenience of rural and elderly users. A user can check their coin balance and which Loka (Level) they are in by sending the message "My Balance" from their registered mobile.
Marketing Incentives & Leadership Bonus
Satyaloka Leadership Bonus: Leaders who have successfully completed the 10th level (Satyaloka) of the network will be specially honoured by the organisation with a "Kubera Yoga Kantanam" or "Vendi Nanam".
Seasonal Special Events: Special Lakshmi Homas and exclusive Pujas will be conducted during special festivals like Shravana month, Karthika month, Dasara, and Deepavali. Separate terms apply to each.
Cancellation, Refund & Disclaimers
Once the ₹300 Puja fee has been paid, it cannot be refunded under any circumstances. The service will have already been committed and Samagri purchased for that purpose.
Spiritual Faith:Puja outcomes are entirely based on the individual devotee's personal faith and belief. The organisation has no legal guarantee or binding liability on this account.
Income Declaration:Income earned through referral levels is entirely dependent on the individual user's personal marketing ability. There is no guarantee or fixed income promise of any kind.
Prasad Delivery:Physical doorstep Prasad dispatch (Vibhuti, Kumkum & sanctified items) is applicable only to Shresta (Premium) and Divya (Deluxe) tier bookings. Standard Satwika (₹300) bookings include digital ashirvachanam and live stream only — physical Prasad delivery is not part of the standard service.
Jurisdiction & Dispute Resolution
These Terms shall be governed by and construed in full accordance with Indian law. If any dispute arises between the user and the organisation, it shall first be resolved through mutual discussion between both parties. If legal proceedings become necessary, they shall fall only within the jurisdiction of the local courts where the registered head office of the organisation is situated.
⚠ Implementation Disclaimer
This document is a legal framework draft template for the "Kubera Yoga" project. After the organisation is officially registered as a legal entity (Proprietorship, LLP, or Private Limited), this must be uploaded to the website in its authorised form in accordance with Consumer Protection Rules and Direct Selling laws, in consultation with a legal advisor.
For the Organisation (Sri Parashara Jyotisha Parishad)
Authorised Signatory / Designation
For the User / Devotee
(Accepted via digital registration)
© 2026 Sri Parashara Jyotisha Parishad. All rights reserved.