Introduction
Welcome to www.razanpm.com. This website is operated by Raza NPM, a neurological mind conditioning coach specializing in mind-body health and wealth transformation. By accessing or using this website, you agree to comply with and be bound by these terms and conditions ("Terms"). Please read these Terms carefully before using our website.

1. Acceptance of Terms
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree to these Terms, please do not use our website.

2. Services
Raza NPM provides coaching services aimed at neurological mind conditioning, personal transformation, and holistic health and wealth transformation. Our services are designed to offer guidance and support but are not a substitute for professional medical, psychological, or financial advice.

3. Use of the Website
Eligibility:
There is no eligibility criteria to use this website.
Account Responsibility: If you create an account on our website, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
Prohibited Activities: You agree not to engage in any activity that interferes with or disrupts the website or the servers and networks connected to the website.

4. Intellectual Property
All content, including but not limited to text, graphics, logos, images, and software, on this website is the property of Raza NPM or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

5. Payment and Refund Policy
Payment: Payment for services must be made in advance. We accept various forms of payment as indicated on the website.
Refunds: Refunds for services are only provided in accordance with our refund policy. Please refer to our refund policy for detailed information.

6. Disclaimer of Warranties
The services and information provided on this website are provided "as is" and "as available" without any warranties of any kind, either express or implied. Raza NPM does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability
In no event shall Raza NPM be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the website or services, even if Raza NPM has been advised of the possibility of such damages.

8. Indemnification
You agree to indemnify, defend, and hold harmless Raza NPM, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the website or services.

9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Mumbai. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Mumbai.

10. Changes to Terms
Raza NPM reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the website. Your continued use of the website following the posting of revised Terms signifies your acceptance of the changes.