1. Introduction:

Welcome to Shamim Rafeek's website. These terms and conditions outline the rules and regulations for the use of our website and services.

2. Acceptance of Terms:

By accessing and using this website, you agree to comply with and be bound by these terms and conditions. If you disagree with any part of these terms, you must not use our website.

3. Use of Website:

• The content on this website is for your general information and use only. It is subject to change without notice.
• Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

4. Copyright and Intellectual Property:

• The content, layout, design, data, graphics, and products on this website are protected by intellectual property laws and are owned by Shamim Rafeek or have been licensed to us.
• You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without prior written consent.

5. User-Generated Content:

Users may post reviews, comments, and other content, as long as the content is not illegal, obscene, threatening, defamatory, infringes on intellectual property rights, or injurious to third parties. We reserve the right to remove or edit such content but do not regularly review posted content.

6. Privacy and Personal Information:

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

7. Service Access and Changes:

We reserve the right to withdraw or amend this website, and any service or material we provide on the website, in our sole discretion without notice.

8. Limitation of Liability:

• The website and its content are provided on an 'as is' basis. We do not warrant the accuracy, completeness, or usefulness of this information.
• In no event will we, our affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind arising out of the use, or inability to use, our website.

9. Governing Law:

These terms and conditions are governed by and construed in accordance with the laws of [Insert Jurisdiction, e.g., the Republic of India] and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

10. Changes to Terms and Conditions:

We reserve the right to revise and update these terms and conditions at any time. All changes are effective immediately when posted.

11. Cancellation Policy:

We at Shamim Rafeek's Website value your engagement and satisfaction. Our Cancellation and Refund Policy outlines the guidelines for canceling services and requesting refunds. This policy applies to all courses, events, workshops, and coaching services offered on our site.

For Customers:

• Courses and Online Programs: Participants may cancel their enrollment within [insert number of days, e.g., 7 days] of purchase, provided they have not completed more than a specified portion (e.g., 25%) of the course.
• Live Events and Workshops: Cancellations for live events and workshops must be made at least [insert number of days, e.g., 14 days] prior to the event date for eligibility for a refund.

By Us: We reserve the right to cancel or reschedule any course, event, or workshop due to insufficient enrollment, instructor illness, or unforeseen circumstances. In such cases, participants will be notified and given the option to transfer to a future date or receive a full refund.

12. Refund Policy:

Eligibility: Refunds are available under the following conditions:

• Full refund for cancellations made within the specified cancellation period.
• No refunds for cancellations made beyond the specified period, except in exceptional circumstances at our discretion.

Process for Refund: To request a refund, contact us with your order details. Refund requests must be submitted in writing.

Refund Processing: Approved refunds will be processed to the original method of payment.

13. Non-Refundable Services:

Certain services, such as personalized coaching sessions or downloadable digital products, are non-refundable once accessed or delivered.

14. Late or Missing Refunds:

If you haven’t received a refund within the specified time frame, please check your bank account or contact your credit card company. For further assistance, contact us at [insert contact method].

15. Modifications to the Policy:

We reserve the right to modify this Cancellation and Refund Policy at any time. Changes will become effective immediately upon posting on the website.

16. Contact Information:

For any questions about these terms and conditions, please contact us via the details provided on our website.