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, but is not limited to, access to educational content, coaching services, downloadable materials, event registrations, and any other offerings provided through www.monicabhardwaj.com.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

Intellectual Property

All content on the Service—including text, images, graphics, audio, video, and code—is the intellectual property of Monica Bhardwaj and is protected by copyright, trademark, and other applicable laws.

You may view, download, or print content solely for your personal, non-commercial use. Any unauthorized use, including reproduction, distribution, or modification of the content for commercial purposes, 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, you acknowledge that you are responsible for your own decisions, actions, and results.

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.

Termination

We reserve the right to terminate or suspend your access to the Service, without notice, if we believe you have violated these Terms or used the Service in a manner inconsistent with its intended purpose.

All provisions of these Terms that by their nature should survive termination shall survive, including, without limitation, ownership provisions, disclaimers, indemnity, and limitations of liability.

mediately cease.

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.

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 or in connection with your use of the Service.

Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or meet your specific expectations or results.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada, as applicable. Any disputes arising out of or relating to these Terms shall be resolved exclusively in the courts of Ontario.

If any part of these Terms is found to be unenforceable or invalid by a court, the remaining provisions shall remain in full force and effect.

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 or replace these Terms at any time. If changes are material, we will make reasonable efforts to notify users at least 30 days in advance of the new Terms taking effect. Your continued use of the Service after changes become effective constitutes your agreement to the updated Terms.

Contact Us

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