Effective Date: 1st Jan 2026

These Terms and Conditions (“Terms”) govern your use of the website, programs, and services offered by Mili Barai. By accessing this website, enrolling in any program, or making a payment, you agree to be bound by these Terms. If you do not agree, please do not use the services. 1. Services Offered Mili Barai provides digital educational content and mindset coaching services, which may include: • Online programs and courses • Group or individual coaching sessions • Guided exercises, recordings, and digital resources All services are provided for educational and personal development purposes only. 2. No Guarantees or Professional Advice • Mili Barai does not guarantee financial results, income increases, business outcomes, or personal transformation. • Services do not constitute financial, legal, medical, or psychological advice. • You are solely responsible for your decisions, actions, and results. Participation in any program is voluntary and outcomes vary based on individual effort, consistency, and circumstances. 3. Eligibility By using these services, you confirm that: • You are at least 18 years of age • You have the legal capacity to enter into a binding agreement • You are using the services for personal development purposes only 4. Payments & Pricing • All prices are listed in Indian Rupees (INR) unless stated otherwise • Payments are processed securely via Razorpay • Full payment is required at the time of purchase unless a payment plan is explicitly stated • Mili Barai reserves the right to modify pricing at any time without prior notice 5. Refund Policy Refunds are governed by the Refund Policy published on this website. By making a purchase, you acknowledge that you have read and agreed to the Refund Policy. 6. Intellectual Property All content provided through the website and programs, including but not limited to: • Videos • Audio recordings • Worksheets • Written materials • Methodologies and frameworks is the intellectual property of Mili Barai and is protected by applicable copyright laws. You may not: • Copy, reproduce, distribute, or resell content • Share login credentials or materials • Use content for commercial purposes without written permission 7. User Conduct You agree not to: • Misuse the website or services • Share false or misleading information • Engage in harassment, hate speech, or disruptive behavior • Attempt to access restricted areas or systems without authorization Violation of these terms may result in termination of access without refund. 8. Limitation of Liability To the maximum extent permitted by law: • Mili Barai shall not be liable for any direct, indirect, incidental, or consequential damages • This includes loss of income, business opportunities, data, or personal expectations Use of the services is entirely at your own risk. 9. Testimonials & Shared Experiences Any testimonials or examples shared on the website or during programs: • Reflect individual experiences • Do not represent guaranteed or typical outcomes • Should not be interpreted as promises of results 10. Termination of Access Mili Barai reserves the right to suspend or terminate access to services without notice if: • These Terms are violated • There is misuse of content or systems • Payment disputes or chargebacks are initiated without prior communication 11. Privacy Your use of the website and services is also governed by the Privacy Policy available on this website. 12. Governing Law & Jurisdiction These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts located in India. 13. Changes to Terms Mili Barai reserves the right to update or modify these Terms at any time. Continued use of the website or services after changes are posted constitutes acceptance of the updated Terms. 14. Contact Information For questions regarding these Terms and Conditions, please contact: Name: Mili Barai Email: lifecoachmili@gmail.com Service Type: Digital educational & coaching services