Terms & Conditions

These Terms and Conditions ("Terms") govern your use of the website located at www.monicabhardwaj.com (the "Service") operated by Monica Bhardwaj ("us", "we", or "our").

Please read these Terms carefully before using the Service. By accessing or using the Service, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, please do not use the Service.

Use of the Service

The Service includes access to educational content, coaching services, downloadable materials, event registrations, and any other offerings provided through www.monicabhardwaj.com. These Terms apply to all visitors, users, and purchasers.

Intellectual Property

All content on the Service — including text, images, graphics, videos, audio, and code — is the intellectual property of Monica Bhardwaj and is protected by copyright, trademark, and other laws. You may use materials for personal, non-commercial use only. Redistribution or reproduction without written permission is strictly prohibited.

Coaching Disclaimer

The coaching services offered through this website are intended for educational and personal development purposes only. Monica Bhardwaj is not a licensed medical, mental health, or legal professional. Coaching is not a substitute for therapy, diagnosis, treatment, or professional advice. By participating in coaching or purchasing a program, you acknowledge responsibility for your own decisions, actions, and outcomes.

Payments and Refunds

All payments for coaching services, programs, courses, and other offerings must be made in full at the time of purchase unless otherwise specified. Due to the nature of digital and service-based products, all sales are final and non-refundable unless explicitly stated otherwise at the time of purchase. For questions regarding payments, please contact us directly.

Online Program Access

Purchasers will receive access to the program for the lifetime of the online program, which refers to the duration it is offered and supported by Monica Bhardwaj. If the course is discontinued, users will be notified and given at least 30 days to download materials.

Termination

We reserve the right to suspend or terminate access to the Service without notice if we believe you have violated these Terms. All provisions of the Terms that by nature should survive termination shall remain in full effect.

Digital Product Policy

By purchasing from this website, you acknowledge and agree that you are buying a digital product that is delivered electronically. There is no physical product. Your purchase grants you personal use only.

Limitation of Liability

To the fullest extent permitted by law, Monica Bhardwaj shall not be liable for any indirect, incidental, consequential, or special damages arising out of your use or inability to use the Service.

Disclaimer of Warranties

The Service is provided "as is" and "as available" with no warranties of any kind. We do not guarantee uninterrupted access, specific outcomes, or that the Service will meet your expectations.

Links to Other Websites

The Service may contain links to third-party websites or services not owned or controlled by Monica Bhardwaj.

We are not responsible for the content, policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be held liable for any damages or loss caused by your use of or reliance on third-party content, goods, or services.

Governing Law

These Terms are governed by the laws of the Province of Ontario and the applicable laws of Canada. Any disputes shall be resolved exclusively in the courts of Ontario.

Your use of the Service is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this website, you consent to the practices described in the Privacy Policy.

We use secure third-party platforms such as Stripe, Mailchimp and Zoom to provide services and communications. These providers operate under their own privacy policies and may store data outside of Canada.

Changes to Terms

We reserve the right to modify these Terms at any time. If changes are material, we will notify users 30 days in advance. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

Contact Us

If you have any questions about these Terms, please contact us at monica@monicabhardwaj.com