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Terms & Conditions

1. Introduction

These Terms & Conditions (“Agreement”) govern the use of all services, programs, digital products, courses, and materials (“Services”) provided by Pankita Panchal (“Company,” “I,” “me,” or “my”). By purchasing, enrolling in, or accessing any of my Services, you (“Client,” “You”) acknowledge that you have read, understood, and agreed to these Terms & Conditions.

2. No Guarantees & Client Responsibility

  • My Services are for educational and coaching purposes only and do not guarantee specific results. Any actions you take as a result of my coaching, digital products, or advice are solely your responsibility.
  • I am not responsible for your choices, decisions, business outcomes, financial situation, or personal circumstances, now or in the future.
  • Under no circumstances can I be held liable for any direct, indirect, incidental, or consequential damages arising from your participation in my Services.

3. No Refunds, No Chargebacks

  • All sales are final. There are no refunds, chargebacks, or cancellations under any circumstances.
  • If you enroll in a recurring subscription, you are responsible for ensuring your payments are made on time. If a payment is missed, access to Services may be revoked.

4. Professional Disclaimer

  • I am not a licensed medical, psychological, financial, or legal professional. My Services do not replace medical treatment, therapy, legal advice, or financial planning.
  • You should consult a licensed professional before making any health, business, or financial decisions.

5. Intellectual Property & Prohibited Use

  • All content, materials, coaching frameworks, and intellectual property provided through my Services are 100% owned by me.
  • You may NOT copy, share, resell, redistribute, modify, or use any content for commercial purposes without my express written permission.
  • Unauthorized use of my content will result in immediate termination of access and possible legal action.

6. Payments & Late Fees

  • Payments must be made via approved payment methods (e.g., Stripe, BACS).
  • If a payment fails, you will have 5 days to correct it before late fees apply. If payment remains unpaid after 15 days, Services will be canceled, and you will still be responsible for the remaining balance.

7. Session & Program Policies

  • Coaching sessions are conducted via Zoom only. No in-person meetings will be arranged.
  • You are responsible for scheduling and attending your sessions. No reminders will be sent.
  • No refunds or reschedules will be provided for missed sessions.

8. Termination of Services

  • I reserve the right to terminate your access to Services immediately if you engage in disrespectful, inappropriate, or threatening behavior in sessions, emails, or any communications with me.
  • Termination does not relieve you of payment obligations for remaining program fees.

9. Confidentiality & Recordings

  • All coaching sessions are confidential. However, I reserve the right to record sessions for internal quality assurance (not for distribution).
  • You may NOT record, distribute, or share any coaching sessions, programs, or content.

10. Disclaimer of Liability

  • I am not liable for any damages, financial losses, emotional distress, injuries, or negative outcomes arising from your participation in my Services.
  • You agree to release me from all liability and claims, now and in the future.
  • By using my Services, you acknowledge that you are solely responsible for your actions and decisions.

11. Governing Law & Legal Compliance

  • These Terms & Conditions are governed by the laws of Bedfordshire, United Kingdom.
  • Any disputes will be resolved in Bedfordshire courts.
  • This Agreement complies with GDPR and UK Consumer Protection Laws.

12. Changes to These Terms

I reserve the right to modify these Terms & Conditions at any time. Clients will be notified of changes via email 30 days before they take effect.