Effective Date: 1st Jan 2026

This Refund Policy applies to all purchases made through the website and payment links operated by Mili Barai. By enrolling in any program, course, or coaching service offered by Mili Barai, you agree to the terms outlined below.

Nature of Services All services provided by Mili Barai are digital and educational in nature, including but not limited to: • Online programs • Coaching sessions • Guided practices • Digital resources and downloadable materials Access to program content is granted immediately or within a specified time after successful payment.

Refund Eligibility Due to the digital nature of the services and immediate access to proprietary content, refunds are generally not provided once access has been granted.

• A written refund request is submitted within 48 hours of purchase • No more than 20% of the program content has been accessed or consumed • No live coaching sessions have been attended • The request includes a valid reason for dissatisfaction All refund requests are reviewed on a case-by-case basis and approval is at the sole discretion of Mili Barai.

Non-Refundable Situations • Refunds will not be provided in the following cases: • Requests made after the 48-hour window • Change of mind or lack of time • Partial participation or non-completion of the program • Failure to achieve desired or expected outcomes • Personal circumstances unrelated to the quality of the program • Violation of program terms or misuse of content Coaching and mindset programs do not guarantee specific results, and outcomes vary by individual.

How to Request a Refund To request a refund, please email: lifecoachmili@gmail.com Include: • Full name • Email address used during purchase • Program name • Date of purchase • Reason for the refund request Approved refunds will be processed back to the original payment method within 7–10 business days, depending on your bank or payment provider.

Chargebacks & Payment Disputes We encourage clients to contact us directly before initiating a chargeback or payment dispute. Unauthorized chargebacks without prior communication may result in restricted access to future services and may be disputed with the payment processor using transaction records and policy acknowledgment.

Chargebacks & Payment DisputesPayment Processing All payments are securely processed via Razorpay. Mili Barai does not store or have access to your payment card or banking details.

Chargebacks & Payment DisputesPolicy Updates Mili Barai reserves the right to update or modify this Refund Policy at any time. Changes will be effective immediately upon posting on the website.

Contact Information For any questions related to this Refund Policy, please contact: Name: Mili Barai Email: lifecoachmili@gmail.com Service Type: Digital educational and coaching programs