Terms and Condition

Centre for Technology Enabled Learning, https://ctel-india.com (hereinafter referred as CTEL), is the initiative of Panacea eBiz Consulting Group, established in Delhi, India (hereinafter referred as PANACEA), that will promote the use of technology enabled learning where students can learn at their own pace, test the understanding of the lecture and collaborate with peers and faculty for experiential learning using blogs, chat rooms etc.

The PANACEA or CTEL are not registered as University under the UGC Act nor accredited with AICTE or DEC in India or elsewhere and does not award any degree or diploma for academic qualification purposes.

Expression of CTEL alone also includes PANACEA, its associates, its heirs, its employees, its portals or other such services/products offered by PANACEA unless expressed expressively otherwise.

Usage of our Services

YOU can be a user at CTEL only if YOU are allowed to comply with these terms & conditions and all applicable laws of your country. CTEL doesn’t offer any program to anyone under the age of 18 and candidates below 18 years are prohibited. Every program offering will have its individual requirements of enrollment. Please check with your local applicable laws for joining any online international programs offered by private institutions/companies, if YOU are outside India.

Single User License (SUL)

This SUL grants YOU the following rights provided that YOU comply with all terms and conditions of this SUL:

  • CTEL grants YOU a limited, non-exclusive, non-transferable, royalty-free authorization to use CTEL on-line Video Lecturing and use up to the end of the Academic Session. Your access to any program that YOU enroll at CTEL shall automatically expire after end of program duration irrespective of your purchase date and usage of CTEL. All other rights are reserved to CTEL.
  • This SUL restrict the use of CTEL User ID solely to YOU for personal learning for the course/program YOU have enrolled/registered at CTEL.
  • Once your enrollment is completed and YOU<Start The Course> from the Program Page, the change in program/course shall not be allowed and YOU will be required to pay afresh to access the new program/course. CTEL restricts the USER to join more than one program at any given time. In case YOU have paid the fees for other program, your candidature for the program will not be approved. YOU may request for refund of the Fees for such payments.
  • Considering the Server usage factor, YOU may be restricted to view Lectures during such times.
  • CTEL is 100% online learning portal and doesn’t allow download of its videos or other contents. If any violation found in such regards, your enrolment and access to CTEL will be terminated and fees will be forfeited. CTEL may also initiate the legal proceeding to recover the damages based on the intention and usage of download.
  • The manuals, video lectures, printed or on-line material and question bank, are protected by copyright laws and defines CTEL as having full intellectual & proprietary rights on the concept and services offered along with all contents in various forms. Using the services does not give you any ownership of any intellectual property rights in our Services or the contents YOU access by paying or being registered with CTEL.

Programs or Services Offering

  • CTEL offers courses / programs that are believed of best quality delivered by experienced and learned faculty. However CTEL expressively reserves the rights:
    1. To cancel, interrupt, reschedule or modify any content offering or change the assessment pattern or marking scheme, may add or delete quizzes associated with programs.
    2. To upload updated video lectures,
    3. To upload newer webinars, lectures or assessments for better learning and understanding
  • In all such cases, YOU will be required to successfully complete the updated learning for the purpose to complete the program enrolled and receive the certification for the same.
  • Unless otherwise explicitly indicated, CTEL does not confer any academic credit for any of its programs that are offered. In case, the program is offered in collaboration with one institution, CTEL does not guarantee that other institutions will accept the credits or program certification as equivalent document for pursuing higher programs with them. Also CTEL does not presume that the Program Certification will be accepted as Academic Certificate for any purpose other than demonstrating your learning and successful completion of the Program at CTEL.
  • Courses/ Program contents may undergo change as due to market circumstances/scenarios. Also, the duration of any Course / program may be delayed, extended or compressed due to unforeseen circumstances.
  • CTEL explicitly indicates that any statement made by its employees, its associates or partners or any person who claims to be associated with CTEL will not hold any legal value until and unless expressed in Term of Use or at its website. It’s your responsibility to check the offerings at CTEL and does not presume on anything written or spoken elsewhere.
  • YOU will have the ability to access the lecture contents provided in the Program that YOU are enrolled and other contents available at the site provided by CTEL or third parties or advertisements or any such other communication in the form of links, text, videos or references, CTEL does not guarantee that all such contents will be free of material having objectionable contents or inappropriate contents or site/links having malware or other containments that may harm your device(s) or are not as per the provisions of the local governing laws.
  • YOU retain all the intellectual rights and are responsible for the contents that YOU share on the Program Forum or that YOU submit with CTEL for completion of academic requirements. However, through this Term of Use, YOU expressively authorise, grants CTEL a fully transferrable, royalty-free perpetual license to use, modify, display, promote, create by-products or any other use of such contents that may deemed fit to CTEL.
  • CTEL reserves the right to remove, terminate or remove the contents or your Login credentials in case we believe your content or behavior violates these Terms of Use or local governing laws or are defamatory, offensive or indicate illegal conduct or are against public interest or are abusive or otherwise inappropriate content directed at private individuals.
  • For project work/ case studies / research work, students may have to arrange live projects, internship with industry / trade/ other institutes and use their facilities. CTEL may provide advisory assistance only in the matter.
  • Fees are subject to revision as per exigencies of the circumstances and may change without any prior information.
  • While resumes of all the students who have completed the programs at CTEL, will be published on erekrut.panaceaebizz.com, the job portal owned by PANACEA. However no specific individual assistance will be provided to the students to obtain suitable placemats.
  • Students will be required to appear in the examinations listed in the student learning area online only.
  • The start date of each program is predetermined and shall not be counted from the date of your enrollment or approval of the course. In case you fail to complete the requisite examinations and submission of case study and research work, your access for the program will be terminated on completion of 24 months from the Program Commencement Month. You will then be required to take fresh admission and shall complete all the requisite formalities once again.
  • International students will be required to pay additional certificate dispatched charges based on their country or location.
  • CTEL, PANACEA or its associates shall not be liable or responsible for any payments not made through CTEL online payment cart. No employee of CTEL / PANACEA / or its associates are directed to collect cash / payments in person or in any other account.
  • Once your program link is expired, you will be required to enroll as a fresh candidate. You are requested, to maintain the copy of all communication and exam results to avoid any complications in case of any data lost at the CTEL Server.
  • In case of data lost due to reasons beyond the control of CTEL, students will be considered for extra time or retake of the examinations only.
  • If the certificates submitted by a candidate are found to be bogus/fake, his/her admission will be cancelled and the fees remitted will also be forfeited.


  • YOU agree to provide reasonable feedback to CTEL, including but not limited to usability, content correctness, bug reports and test results. All feedback provided to CTEL by YOU shall be the property of CTEL and may be used by CTEL for any purposes. Due to the nature of the content development work, CTEL provides no assurance that any specific errors or discrepancies in the contents will be corrected.
  • Submitting any feedback does not grant YOU any right of compensation or restriction of kind on CTEL. CTEL reserves the right to response or act to all such feedbacks as per their conveniences.


  • Despite taking adequate security measures, as best known to our team and service providers, we still believe there is nothing that can guarantee the 100% security of your data and information. We care about your privacy and expect YOU to notify us should there be any compromise or unauthorised access of your account or data at security@ctel-india.com


  • All title and copyrights in and to the CTEL (including but not limited to any images, photographs, animations, video, audio, music, text, and “applets” incorporated into the Product), the accompanying printed materials are owned by CTEL. The Internet based video lecturing system and contents are protected by copyright laws and international treaty provisions. Therefore, YOU must treat the CTEL Internet based video lecturing system, like any other copyrighted material except that of personal learning. YOU are not authorized to copy the contents and materials on CTEL or elsewhere used in printed materials or on websites.
  • We respect the intellectual property rights and trademarks rights of third parties and expect that YOU also will do the same while using the CTEL.
  • If YOU believe that any of our material at CTEL infringes copyright or trademark violation of any third party, YOU may send us a business notice requesting for removal of the same for removal or blocking the contents.
  • YOU may send your notice via email at legal@ctel-india.com or via mail at
Administrative Officer
CTEL – Centre for Technology enabled Learning
M-3, South Extension, Part-II, New Delhi – 110049. India

Program Services

  • CTEL reserves the right to charge or change the program fees at their sole discretion. Although CTEL undertakes the policy of maintaining the standard pricing for the courses/programs offered at CTEL but it may vary based on your location and may change the program fees and payment methods. YOU are responsible for understanding the program fees and payment methods before applying for any program.
  • Program Fee, that you pay, is defined for any program is the Fees that is displayed at the time YOU are paying the fee. YOU will not be able to quote any reference of older fees as applicable earlier.
  • If any program at CTEL is offered by its Partners, their terms of use, admission guidelines, refund or cancellation or completion policies or and other requirements shall also be applicable as supplement to these Term of Use and YOU shall by default abide by them as well. Should there be any conflict with any of these Term of Use or Partner’s Terms, YOU must notify before enrolling or paying the fees for the program. Once the fee is paid, it is understood that YOU have gone through the CTEL Term of Use and Partner’s Terms and have agreed upon without any queries.

Update or discontinuation of Services

  • In our endeavour to provide better services, we may add additional functionality, assessments or some procedure to make the learning better or to enhance the security of assessments to add value to our final program certifications. We may also discontinue, remove some functionality, assessments or some procedure which we feel become redundant over time. In case, anything that we change hampers your access for the program YOU enrolled or paid the fees, we will initiate the refund under our Refund Policy.
  • CTEL Services may be barred or may not be allowed to operate in certain geographies for various reason and we may be forced to suspend or discontinue the services for such geographies. In case, such thing happens and hampers your access for the program YOU enrolled or paid the fees, we will initiate the refund under our Refund Policy. In all such cases, CTE shall have no liability of compensation or penalty to YOU for any such action beyond the refund of fees paid by YOU for which YOU have not completed the program under our Refund Policy.


  • CTEL expressly disclaims any and all liability related to your access to or use of the services, any related contents or Internet based lecturing system. The contents and any related documentation is provided “as is” without warranty or any kind, either express or implied, including, without limitation, the implied to results or performance of the individuals. The contents are developed with high quality measures, but CTEL holds no responsibility or guarantees about the correctness of the contents. YOU acknowledge and agree that any access to or use of the services or such contents is at solely at your own risk.
  • In no event shall CTEL or its heirs and its associates, be liable for any damages whatsoever (including, without limitation, damages for loss of time, correctness of contents, loss of test reports/history, limitation of use because of Internet traffic, inability of use because of server problems or any such other technical errors or any other pecuniary loss) arising out of the use of or inability to use CTEL system, even if CTEL has been advised of the possibility of such damages.

Limitation of Liability

YOU expressly agree that neither the CTEL not its partners, associates, heirs, employees will under any circumstances be liable under any theory of recovery, whether based in Term of Use, including negligence and strict liability, under warranty, or otherwise, for: any indirect, special, incidental or consequential loss or damage whatsoever; damage to or loss of time and opportunity; Loss of profits or revenue; loss of use of access; loss of property or equipment; loss of information or data; increased costs of any kind, including but not limited to cost, or claims; increased time to complete the course.

YOU expressly agrees that the remedies provided herein are exclusive and that under no circumstance shall the total aggregate liability of CTEL under any theory of recovery whether based in this Term of Use, in TORT (including negligence and strict liability), under warranty, or otherwise, exceed the total fees paid to CTEL under this Term of Use.

The provisions of this Article shall prevail over any conflicting or inconsistent provisions set forth elsewhere in this Term of Use.


YOU expressly agree to indemnify, defend, and hold harmless the CTEL, PANACEA, its promoters and employees, its heirs from any and all claims, liabilities, expenses, and damages, including reasonable attorney’s fees and costs, made by any third party related to:

  • Your use or attempted use of Services in violation of the this Term of Use;
  • Your violation of any law or rights of any third party; or
  • Contents, including without limitation without claim of infringement or misappropriation of intellectual property or proprietary rights.


  • CTEL-INDIA.COM services are owned managed by Panacea eBiz Consulting Group, which is located in Delhi, India. With regards to any dispute arising in any matter including admission, access of video lectures, examinations, remittance of fees, certificate delivery or any other matter, only the Hon’ble Courts and Tribunals having jurisdiction over Delhi, India and not over any other place, shall have jurisdiction for the purpose of filing a suit or preferring complaint under the Consumer Protection Act or any other law for the time being in force or taking any legal action against the CTEL. YOU expressly give your consent to the personal jurisdiction of and exclusive venue in the Hon’ble Courts located in Delhi, India as the legal forum for any such dispute.
  • YOU also agree that anything that is mentioned now or later in this Term of Use or mentioned at website specifically, will not be used for any dispute as YOU have enrolled or used CTEL services only after reading & understanding this Term of Use.

Dispute Resolution

  • YOU further agree to that, if any dispute shall arise at any time during the Term of Use or thereafter arise with respect to the validity, interpretation, implementation or alleged material breach of any provision of this Terms of Use, then such dispute shall be first communicated to CTEL in writing or over email at grievance@ctel-india.com before seeking any legal remedies and shall give minimum 30 days’ time to CTEL for their reply and corrective action.

Modification or revisions in the Terms of Use

  • CTEL reserves the right to change, modify, delete or add terms defined now in the Terms of Use at their sole discretion. The same shall be intimated via a banner on the website. In all cases, your continued use of services after publication of such changes, with or without notification, constitutes binding acceptance of the revised Terms.


  • If any paragraph, sub-paragraph, or provision of this Terms of Use, or the application of such paragraph, sub-paragraph, or provision, is held invalid by a court of competent jurisdiction, the remainder of the terms of this Terms of Use, and the application of such paragraph, sub-paragraph, or provision to Persons, or circumstances other than those with respect to which it is held invalid shall not be affected.


No failure or delay in taking any action on the part of CTEL to this Terms of Use relating to your non-compliance does not abandon any rights, power, privilege or remedy that CTEL may have.


Any notice provided for in this Terms of Use shall be in writing and shall be (i) first transmitted by email transmission, and then confirmed by postage, prepaid registered post with acknowledgement due or by internationally recognised courier service or (ii) sent by postage, prepaid registered post with acknowledgement due or by internationally recognised courier service at:

Attention : Administrative Officer
Address : CTEL – Centre for Technology Enabled Learning
M-3, South Extension, Part-II,
New Delhi – 110049. India.
Email : legal@ctel-india.com

Welcome to Ctel.

CTEL, Centre for Technology Enabled Learning, is the new initiative of Panacea eBiz Consulting Group, founded by Ravinder Goyal, a veteran in education & skilling with 27+ years of experience. The programs under CTEL are conceived based on a vision of social upliftment of the society by imparting world class education and skills to students at an affordable fees structure to enable them to compete for well-paid jobs in a highly competitive environment.

Learn more
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