The website www.bizwithhemal.com ("BizWithHemal") is owned and operated by Hemal Bhatt, along with their officers and employees.  Please read the Terms of Use and Privacy Notice documents displayed on this Website before using it. By accessing, visiting, and/or using our Website, you are accepting the terms of this Disclaimer, as well as the terms contained within the Terms of Use and Privacy Notice documents, and agree to be bound by them.  For the purposes of this Disclaimer, the definition of "Website" shall include our other online platforms and social media channels.  We reserve the right to make changes or revisions to this Disclaimer or our Website without notice. The content of this Website is protected by copyright. No portion of this Website may be copied or replicated in any form without our express written consent.   Any queries concerning the content of this disclaimer should be addressed to [email protected].  Website Use By accessing this Website, you agree that you are 18 years or older and have the mental and legal capacity to enter into and abide by the terms of this Disclaimer.  The information contained within this Website is for general information and/or educational purposes only. While every endeavor is made to keep the information up-to-date and correct, no representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Website or the information contained therein, or its products or services for any purpose, are made, and all warranties are excluded to the fullest extent permitted by law.  By agreeing to opt-in to receive content distributed by us, or by accessing our Website, you accept that nothing on the Website or distributed via email is intended to take the place of a personal consultation with us concerning your specific business and legal-related issues.  By using the Website, you accept that any access to the Website and use of any content or information contained therein, or links to any third-party sites or resources, is done wholly at your own risk. By using the Website and accessing the information and content contained therein, you agree to fully indemnify us, our agents, or other parties associated with us, from any causes of action, damages, losses, costs, or expenses, howsoever incurred as a result of your use of our Website.  Through the Website, you are able to link to other Websites and resources that are not under our control. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.  Every effort is made to keep our Website up and running smoothly. However, we take no responsibility for, and will not be liable for, the Website being unavailable due to technical issues beyond our control.  We will attempt to monitor comments and posts made by third parties and users as often as possible and shall deal with anything objectionable or offensive in the manner that we deem appropriate and in reasonable time. We shall not be held responsible for material posted by a third party outside of our control. Should you, as a user of our Website, see anything objectionable or offensive posted by a third party, you agree to notify us as soon as practicable and not to take any action against us based upon that third-party content.  We do not assume any liability for any use of the Website, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, for any: Loss of profits; Loss of sales or business; Loss of agreements or contracts; Loss of anticipated savings; Loss of use or corruption of software, data, or information; Loss or damage to goodwill; Any indirect or consequential loss. Nothing in this Disclaimer or in our Website Terms of Use document shall exclude or limit our liability for:  Death or personal injury caused by negligence; Fraud or misrepresentation; Any liability which cannot be excluded or limited under the law. No liability is accepted for any claim arising from your reliance upon or use of any of the information or content provided via the Website or by email, whether or not payment is made for the use of that content or information, or use of, or reliance upon any products or services purchased or provided.  No liability is accepted for any damages incurred as a result of your reliance or use of information contained within the Website or provided by email, which is written by a third party, whether endorsed by us or not. Use or reliance upon that information is strictly at your own risk.  Where testimonials are used within the Website or in emails, these testimonials are not to be considered as a guarantee that you will experience the same or similar results or experience. If any provision or part-provision of this Disclaimer, our Website Terms of Use document, and/or our Privacy Notice is or becomes invalid, illegal, or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the relevant provision or part-provision shall

ONLINE COURSE, membership, all the digital products and services TERMS AND CONDITIONS 1. Introduction 1.1. These terms and conditions www.bizwithhemal(“Terms and Conditions”) confirm the basis on which we supply the Online Course, Membership, All the Digital Products and Services to you, the person purchasing the Online Course, Membership, All the Digital Products and Services (“You”). 1.2. Please read these Terms and Conditions carefully before placing your order. By placing your order for the Online Course, you are agreeing to be bound by these Terms and Conditions. Should you not wish to be bound by these Terms and Conditions then you should not proceed with any order of the Online Course. 2. About us 2.1. www.bizwithhemal is owned and operated by Hemal Bhatt and team. 3. The Online Course, Membership, Digital Products and Services 3.1. We shall deliver the Online Course with reasonable care and skill consistent with best practices and standards applicable within our marketplace and shall ensure that the content of the Online Course is of satisfactory quality, fit for purpose, and as described. 3.2. We agree to comply with all relevant regulations, guidance, standards, and codes of conduct that apply or are relevant to the provision of the Online Course. 3.3. We shall deliver the Online Course in accordance with the details set out in Schedule 1 (attached). 3.4. We shall use our reasonable endeavours to: 3.4.1. deliver the Online Course within the timescale as set out in Schedule 1, however, time shall not be of the essence for delivery; and 3.4.2. ensure that all descriptions of the Online Course correspond to the Online Course that we shall deliver to you. 3.5. In delivering the Online Course , we may engage the services of our employees, contractors and other third-party providers as we deem necessary. 3.6. Whilst we shall make every effort to deliver the The Online Course, Membership, Digital Products and Services in accordance with the details as set out in Schedule 1, we reserve the right to amend, revise or make changes to The Online Course, Membership, Digital Products and Services or cancel, amend, change or reschedule any part as is reasonably required by us without any notice to you. Where changes or amendments are made, we shall ensure that the Online Course still matches the description provided to you at the time of your purchase, save that we shall not be prevented from making any beneficial changes to the Online Course which mean that the original description is enhanced. We shall not be liable for any changes or cancellations that are made to the Online Course. 3.7. When you purchase an Online Course from us, we may provide you with materials, information, videos, resources, data and other content (“Content”). By completing your order and purchase you agree and accept that all such material remains our confidential and proprietary intellectual property and belongs solely and exclusively to us and can only be used by you in connection with your use of the Online Course and should not be copied, disclosed, or used for any commercial reasons without our express consent. 3.8. Any information, support and guidance we provide to you is not personal to you and should not be taken or relied upon as advice, guidance or information personal to your own situation or circumstances. 3.9. Where The Online Course, Membership, Digital Products and Services purchased includes interactive or live training, teaching, coaching or information sessions via video link or telephone (“the Sessions”), the dates and times of these Sessions will be arranged by us and notified to you by email. Same goes with the digital products. It shall be your responsibility to attend the Sessions as arranged and no alternative or replacement dates or times shall be offered if you are unable to attend for whatever reason. 3.10. The Online Course is provided on an ‘as-is’ and ‘as available’ basis. From time to time we may be required to undertake changes or amendments to the Online Course or our systems and processes, which includes routine and unexpected maintenance. We shall not be liable for any lack of accessibility to the Online Course or our systems or processes which is caused due to routine or unexpected maintenance. 4. Your Obligations 4.1. By placing an order through our Website, you agree and warrant that you: 4.1.1. are legally capable of entering into binding contracts. 4.1.2. are at least 18 years of age; and 4.1.3. will ensure that all of the information that you provide to us is true and accurate. 4.2. You accept and agree that all communication between us will be via electronic means. We shall contact you using the email address that you provide to us and it shall be your responsibility to contact us if that changes. Where we need to provide you with information, we shall do this via email or by posting information on our Website. You can contact us using the details set out below. 4.3. You agree to provide us with all necessary information we require in order to deliver the Online Course to you. 4.4. We shall not be liable for any delay in the delivery of the Online Course caused by your failure to comply, or delay in complying, with any of the provisions in this Clause 4. 4.5. Your order and purchase of the Online Course is personal to you. On this basis you accept and agree that you will not share or disclose your access to the Online Course, or your password to any private area, with any third party, or sell, licence or otherwise assign your rights in relation to this Online Course. 4.6. We respect your privacy and confidentiality and we ask that you respect the privacy of other individuals accessing the Online Course (“Clients”). Where the Online Course includes Sessions as part of a group (“Group Sessions”), access to a private Facebook group or other private group or private area, you agree: 4.6.1. to act in a reasonable and responsible manner at all times when accessing the private groups or areas or during any Group Sessions and not to act in a manner which may cause offence, distress or alarm to any Clients or any other individual accessing the Online Course and/or Group Sessions; 4.6.2. not to share information, whether expressed to be confidential or not, that is shared by another Client; 4.6.3. not to capture or share images of any other Client or that include any other Client without that Client’s express permission; 4.6.4. not to canvass, promote or advertise your products or services to any of our employees, contractors or Clients, or use your participation in the Online Course or access to the Online Course to canvass, promote or advertise your products or services without our express consent; 4.6.5. not to use any private group or area for any unlawful purpose; and 4.6.6. that when accessing any private group or area you will not upload, post, transmit or otherwise make available content that: 4.6.6.1. Infringes copyright, trademark, or other intellectual property rights belonging to us or any other person or entity; 4.6.6.2. is by its nature defamatory, libelous, obscene, demeaning or which causes offence to another individual whether intended or not; 4.6.6.3. discloses personal and/or confidential or sensitive information about another person; 4.6.6.4. is threatening or causes a Client to feel harassed or in fear; and/or 4.6.6.5. is classed as spam. 4.7. Where the Online Course includes access to a private area and/or you are required to set up an account it shall be your responsibility to: 4.7.1. provide the correct information to set up your access to the private area or create your account; and 4.7.2. keep your password or any other access information private, safe and secure; and 4.7.3. to notify us should you become aware of or suspect that a third party is aware of your password or access details. 4.8. If you experience a fault or other issue with the Online Course, please let us know immediately by email to [email protected] in 24 hours. We shall use our best endeavours to remedy the fault and where we are unable to fix it then you may be entitled to a full or partial refund. 4.9. When accessing the Online Course and/ or any private groups or areas you agree not to take any action which seeks to disable or in any way interfere with any of our systems or processes or tests or seeks to test the vulnerability of any of our systems or processes. 4.10. Should you have any concerns as to any aspect of the Online Course then you agree to notify us of such concerns by email to [email protected] as soon as possible. We agree that, upon receipt of such notification by email, that we shall use our reasonable efforts to work with you to resolve your concerns. 4.11. In the event you refuse or fail to comply with this Clause 4 then we shall be entitled to terminate your access to the Online Course and any associated Sessions, groups or private areas and no refund will be provided. This does not affect your statutory rights. 5. Accessing the Online Course 5.1. Your order and purchase of the Online Course is a contractual offer that we may, at our sole discretion, accept. After making your order you will receive an email from us acknowledging that we have received notification of your order. 5.2. Our email acknowledgment is not our acceptance of your order. Our acceptance is indicated when we send your confirmation email (“Confirmation Email”) and a legally binding agreement between us will be formed once we send the Confirmation Email. 5.3. When you place an order to purchase the Online Course you will be required to acknowledge that you wish access to the Online Course to be provided to you immediately and that you acknowledge and agree that you will lose any legal right to change your mind and cancel this agreement. Your other statutory rights as a consumer are not affected. 5.4. In the event we are unable to fulfil your order and deliver the Online Course we shall notify you by email and provide you with a full refund of the Course Fee paid. 6. Fees and Charges 6.1. The cost for the Online Course (“the Course Fee”) is as set out in Schedule 1. 6.2. The Course Fee shall be paid by you in $ using the payment methods set out in Schedule 1 and is and any other taxes which may apply. 6.3. Any deposit payable shall be non-refundable unless we fail to deliver the Online Course by reason of our own fault or failure. 6.4. Time shall be of the essence in respect of the payment of the Course Fee, any instalment of the Course Fee and/or any deposit. 6.5. Payment of the Course Fee shall be made without deduction, set off or any form of withholding except as is required by law. 6.6. Cleared payment of the Course Fee or the first payment of any instalment arrangement must be received by us before you are entitled to access the Online Course. 6.7. Where you wish to make payment of the Fee by credit or debit card then you authorise us to charge your debit or credit card to obtain payment of the Fee. 6.8. We reserve the right to vary the amount of the Course Fee at any time. The Course Fee that is shown in our Confirmation Email is the price that you will be required to pay. 7. Late Payment 7.1. You are responsible for ensuring that payment of the Course Fee or any instalment of the Course Fee (if applicable) is paid in full and on time in accordance with the payment terms set out in Schedule 1. 7.2. If payment of the Course Fee or any instalment of the Course Fee is beyond 7 days overdue, then we shall be entitled to any or all of the following remedies: 7.2.1. to withhold delivery of the Online Course or access to any associated Sessions, groups, areas or resources until payment has been made in respect of the outstanding amount; 7.2.2. to remove you from any groups, private areas, or similar resources which have been provided as part of the Online Course. 7.3. In the event your account is beyond 30 days overdue we shall be entitled to instruct a collection or legal agent to seek recovery of the Course Fee along with our reasonable costs incurred in taking such action. 8. Refund Policy 8.1. No refund policy shall apply to your purchase of the Online Course as explained before, save where a fault exists as set out explained before. 9. Cancellation and Termination 9.1. You shall have the right to cancel your access to the Online Course by providing notice to us by email to [email protected]. In accordance with Clause 8, despite cancellation, you will not be entitled to a refund unless clause 4.8 applies. 9.2. Upon cancellation or termination pursuant to these terms and conditions, all payments in respect of the Course Fee shall become immediately due and payable. 9.3. We reserve our right to terminate your access to the Online Course and any associated Sessions, groups, or resources, with immediate effect, and without refund, if you: 9.3.1. commit a material breach of your obligations under these Terms and Conditions; or 9.3.2. fail to provide payment of any amount due in respect of the Course Fee as and when it becomes due; or 9.3.3. have a bankruptcy petition presented against you or where you are subject to a bankruptcy order; or 9.3.4. are subject to any of the circumstances as set out in clause 9.4. 9.4. We shall be entitled to limit or cancel your access to the Online Course or suspend, and/or terminate the arrangement without refund of any Course Fee, whether paid or remaining due and payable, if we reasonably determine that you are: 9.4.1. becoming disengaged, disruptive or if you impair the provision of the Online Course or the enjoyment of the Online Course by any of our Clients. For the purposes of these Terms and Conditions, the terms disengaged and disruptive shall be given their ordinary dictionary meaning and examples of such behaviour shall include, but not be limited to, displaying a lack of interest in the Online Course, failing to respond positively to requests for further information or other contact, repeatedly ignoring or failing to respond to emails or other messages, communicating in a way which is abusive or intended to cause offence; and/or 9.4.2. failing to follow or abide by any of the terms set out within this document or any other terms or guidelines as may be agreed whether such action constitutes a material breach or not. 9.5. Upon termination of this arrangement for any reason: 9.5.1. all clauses which either expressly or by their nature relate to the period after the delivery of the Online Course or expiry or termination of the same shall remain in full force and effect; and 9.5.2. you will no longer have any access to any private groups, Sessions or Content, unless we have expressly agreed in writing otherwise.; and 9.5.3. you shall cease to use, either directly or indirectly any Confidential Information received as part of the Online Course, and shall immediately return to us or destroy any documents, materials or resources in your possession or control which contain a record of any Confidential information. 10. Confidentiality, Intellectual Property and Data Protection 10.1. In order to benefit fully from the Online Course, you accept that in some cases you may be encouraged to disclose personal and/ or Confidential Information. We understand and respect the value of such information and shall not, either directly or indirectly, communicate or disclose, make available to, or use for our own purposes, your ideas, know-how, business practices, concepts and techniques, plans, trade secrets, and other personal, confidential and/or proprietary information (collectively, “Confidential information”) that you may disclose to us or that may be disclosed as part of the delivery of the Online Course. 10.2. Confidential Information for the purposes of these Terms and Conditions excludes any information that: 10.2.1. was already known to us prior to being provided with that information by you; 10.2.2. is already accessible in the public domain; 10.2.3. is provided to us by a third party separate to this Online Course and without any breach of these Terms and Conditions; or 10.2.4. is produced, developed, or collated by us independently of you and without any breach of the Terms and Conditions. 10.3. When you purchase the Online Course, we shall grant to you a personal, limited, non-exclusive, non-transferable, revocable licence to access, view and use any Content or other materials and resources provided as part of the Online Course solely for your personal use and for the purposes intended by, and the duration as set out within, these Terms and Conditions. All other uses are strictly prohibited. 10.4. Any personal information or personal data that you provide to us in connection with your purchase of an Online Course or these Terms and Conditions, will be maintained by us and stored, accessed and processed in accordance with recognised data protection laws and legislation including the General Data Protection Regulation 2018 (“GDPR”) and we shall only process data to the extent reasonably required to enable proper delivery of the Online Course. For full details of how we process, use, collect and store your personal data please refer to our privacy notice which can be found at https://www.bizwithhemal.com/terms 10.5. We shall only process your personal data to the extent reasonably required to enable proper delivery of the Online Course and shall only retain it for as long as is necessary to allow completion and delivery of the Online Course and to comply with any legal or regulatory requirements in accordance with relevant retention guidance. 10.6. The obligations set out above shall not apply where it is necessary for us to disclose in connection with legal proceedings, prospective legal proceedings, to allow us to obtain legal advice or to enforce any of our rights under these Terms and Conditions, or where we have been directed to do so by a court or other body of equivalent jurisdiction. 10.7. By purchasing the Online Course, you hereby agree and undertake that from the date of purchase: 10.7.1. not to infringe any of our or our Clients’ copyrights, patents, trademarks, trade secrets or other intellectual property rights; 10.7.2. that any Confidential Information disclosed by us or our Clients is confidential and proprietary, and belongs solely and exclusively to us or the Client disclosing it; 10.7.3. not to disclose such Confidential Information to any other person or use it in any manner other than during Sessions or Group Session or as otherwise expected as part of the provision of the Online Course; 10.7.4. that all Content, materials, resources, information and any data provided by us or our Clients, is that person’s confidential and proprietary intellectual property and belongs solely and exclusively to them, and may only be used by you as expressly authorised by us or our Clients; and 10.7.5. the reproduction, distribution, broadcasting, transmission and/or sale of any information, resources or materials provided during provision of the Online Course or at any time thereafter by anyone but us is strictly prohibited. You agree that in the event of any breach of your obligations contained in these Terms and Conditions then damages, loss or irreparable harm may arise and that in such circumstances we will be entitled to seek relief, including injunctive relief against you. 10.8. In the event you choose to share comments, information, content, photos, graphics or images (“Client Content”) with us then in doing so you are granting to us, free of charge, permission to use that Client Content in any way as part of our business services. Such uses shall include advertising and marketing. 10.9. Where you choose to share Client Content with us as defined above, you confirm that you have the legal right to share that Client Content and that it does not infringe any third party’s intellectual property or other rights. 10.10. Where you provide us with a testimonial, review or similar information (“Review”) then in doing so you consent for us to exhibit, copy, publish, distribute, use on our website or any of our pages, our social media sites or in our advertising and marketing campaigns or email communications, your Review or part of your Review, as we reasonably require to lawfully promote our business. You can amend your consent at any time by emailing us. 10.11. The provisions of this Clause 10 shall continue in force notwithstanding the termination of our arrangement for any reason. 11. Liability 11.1. Your purchase of the Online Course and compliance with these Terms and Conditions does not constitute or imply any relationship other than as set out within this Agreement. 11.2. We warrant that the content of the Online Course is of satisfactory quality and reasonably fit for the purposes in which it is intended to be used as described on our Website. 11.3. Save for the warranty set out in the clause above, all warranties and representations are excluded to the fullest extent permitted by law. 11.4. When purchasing the Online Course, you will have access to information designed to benefit you but it is your responsibility to take action and to implement the necessary information received and/ or the skills or tools shared. Since your success and any results are dependent on factors which are outside of our control, we do not guarantee that any particular results or success will be achieved. 11.5. We have made every effort to accurately represent the Online Course. Any testimonials and/or examples of results experienced are not intended to represent or guarantee that anyone will achieve the same or similar results. 11.6. We do not warrant or guarantee that your access to the Online Course will be: 11.6.1. accessible via your particular hardware or software; 11.6.2. free from interruptions or errors; 11.6.3. free from defects; 11.6.4. suitable for your particular personal situation or circumstances. 11.7. We shall not be liable (whether caused by us, our agents, employees or otherwise) to you for: 11.7.1. any indirect, consequential or special damages, losses or costs; 11.7.2. any failure to deliver the Online Course where we are prevented due to a reason beyond our reasonable control; or 11.7.3. any losses arising from your choice of Online Course requested or your use of the Online Course once delivered. 11.8. The Online Course is intended to be used as described on our Website and on the basis set out within these Terms and Conditions and should not be used for any other purpose. 11.9. In the event you incur damages as a result of our failure to exercise reasonable skill and care, our default or breach of these Terms and Conditions, our entire liability is limited to the amount of the Course Fee paid by you as at the time the loss is sustained. You agree and acknowledge that this clause 11.9 is fair and reasonable given the nature of these Terms and Conditions and the provision of the Online Course. 11.10. We shall not be liable where we have informed you of a problem with the Online Course and provided you with a free update to resolve any problem and you have failed to apply the update, or where any damage is caused due to your failure to follow any instructions or guidance we provide. 11.11. Nothing in these Terms and Conditions shall limit or exclude our liability for death or personal injury caused by our negligence or for any fraudulent misrepresentation. 11.12. During the term of the Online Course and at any time thereafter, you agree to take no action which is intended, or would reasonably be expected, to harm us, our agents, employees, contractors, or Clients, or its or their reputation or which would reasonably be expected to lead to unwanted or unfavourable publicity to us, our agents, employees, contractors, or Clients. 11.13. In the event a dispute arises in connection with the provision of the Online Course which is incapable of being resolved by mutual consent then we both agree to submit the matter for mediation by an independent mediator. In the event a resolution is still not possible following mediation then either Party shall be at liberty to commence legal action. 12. General 12.1. The failure of either one of us to actively enforce any provision of these Terms and Conditions shall not prevent that Party from subsequently seeking to enforce any term or obligation of these Terms and Conditions and any such failure shall not constitute a waiver, diminution or limitation of any right. 12.2. In the event any provision of these Terms and Conditions is deemed to be invalid, or unenforceable for any reason then that provision shall be struck out and the remaining provisions shall remain valid and enforceable. 12.3. Every effort will be made to deliver the Online Course in accordance with these Terms and Conditions but we shall not be liable for any delay or failure in provision of the Online Course should we be prevented or delayed due to any act, event, omission or accident beyond our reasonable control (“Events”), including but not limited to any of the following: an act of god (which shall include but not be limited to fire, flood, earthquake, windstorm or other natural disaster), extreme adverse weather conditions, disease, epidemic or pandemic, strike, industrial action, lock out, lockdown, war or threat or preparation for war, civil war, civil commotion, riot, armed conflict, imposition of sanctions, embargo, terrorist attack, nuclear, chemical or biological contamination or sonic boom, explosion, delays in transit, malicious or accidental damage, collapse of building structures or failure of plant or machinery, loss at sea, any act or omission of a telecommunications officer or third party supplier of services, the expiry of any transition or implementation period agreed with the European Union during which European Union law is applicable to and in the United Kingdom, or any other circumstances beyond our control. Should an Event occur then time of delivery of the Online Course shall be extended until a reasonable time after the Event preventing or interfering with the delivery and access to the Online Course, and under no circumstances will we be liable for any loss or damage suffered by you as a result thereof. 12.4. Where an Event arises, we shall provide you with a notice in writing sent to the email address which you provide to us, and which it shall be your duty to inform us should it change, setting out the nature and extent of the Event and any steps we are taking to mitigate the impact and effect of the Event. 12.5. This Agreement shall be governed by the exclusive jurisdiction of the Malaysia and the laws from time to time in force. 12.6. You agree that no other representations have been made by us to induce you into purchasing the Online Course and no modification or variation to these Terms and Conditions shall be effective unless in writing and agreed by us both. signed by us both. 12.7. Save as provided for in clause 11.13 the Contracts (Rights of Third Parties) Act 1999 shall not apply. Terms and Conditions 1. Acceptance of Terms By accessing or using BizWithHemal (the "Directory"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree with all of these terms, please refrain from using the Directory. 2. Directory Purpose The Directory serves as a platform to connect individuals seeking coaching services with professional coaches. It offers listings, profiles, and related information to facilitate these connections (all that mentioned on the site). 3. Directory Content 3.1. Listing Accuracy: Coaches are responsible for providing accurate and up-to-date information in their profiles and listings. The Directory owner does not verify the accuracy of the content provided by coaches. 3.2. User Content: Users of the Directory are required to submit all the necessary forms and details within 10 days. Based on this information, we will create and add your listing to the directory. Please note that any blank forms will be considered empty. If the information is not updated within the specified time frame, we will provide assistance but cannot accept responsibility for the delay. 4. Use of the Directory 4.1. User Responsibilities: Users are responsible for their interactions with coaches and the information they provide. The Directory owner is not liable for any outcomes resulting from these interactions. 4.2. Prohibited Activities: Users must not engage in any unlawful, harmful, or disruptive activities on the Directory. This includes but is not limited to spamming, harassment, or uploading malicious content. 5. Privacy and Data 5.1. Data Collection: The Directory collects and stores user data as outlined in the Privacy Policy. 5.2. Privacy Policy: Users are encouraged to review the Privacy Policy to understand how their data is collected, used, and protected. 5.3. When we use embedded form, directory owner(s) is not responsible for your data privacy. 5.4. Coaches don’t have any rights to sell the customer’s data. 6. Fees and Payments 6.1. Listing Fees: Coaches may be required to pay listing fees to feature their profiles on the Directory. These fees are non-refundable. 6.2. Payment Security: Payments made through the Directory are processed securely. The Directory owner is not responsible for any issues arising from third-party payment processors. 6.3. Monthly subscription plan is non-refundable. For yearly subscription, we only refund the remaining months. 7. Termination 7.1. Termination by Users: Users can terminate their accounts at any time. 7.2. Termination by Directory: The Directory owner reserves the right to terminate or suspend user accounts for violations of these Terms and Conditions. 8. Disclaimers and Limitation of Liability 8.1. Disclaimer: The Directory and its content are provided "as is" without warranties of any kind. The Directory owner does not endorse or guarantee the quality of coaching services listed on the platform. 8.2. Limitation of Liability: The Directory owner is not liable for any indirect, incidental, consequential, or punitive damages arising from the use of the Directory. 9. Modifications The Directory owner reserves the right to modify, amend, or replace these Terms and Conditions at any time. Continued use of the Directory after changes constitutes acceptance of the new terms. 10. The Directory owner reserves the rights. All this terms and conditions apply to all the data (online course, membership, digital products, audio and video library, and other resources). For services, it’s non-refundable.