Terms & Conditions

1. About Monoj Mandal

Monoj Mandal provides financial education and coaching designed to help individuals improve financial awareness, money-management habits, financial planning and long-term financial confidence.

The services offered through this website are primarily educational and coaching-based in nature.

2. Acceptance of These Terms

By using this website or participating in any webinar, coaching session or program offered by Monoj Mandal, you confirm that you have read, understood and agreed to these Terms & Conditions.

If you do not agree with these terms, you should not use the website, register for programs or purchase paid services.

3. Educational Purpose

The website, Financial Freedom Blueprint webinar, Financial Freedom Accelerator coaching program and related materials are intended primarily for educational purposes.

The information provided may include general financial education, money-management concepts, debt-management education, savings awareness, financial planning concepts, income-planning education and investment fundamentals.

The content should not automatically be treated as personalized regulated financial, investment, insurance, tax, accounting or legal advice.

4. No Guaranteed Financial Results

Monoj Mandal does not guarantee any specific financial outcome.

Participation in any webinar, course, coaching program or educational service does not guarantee:

• Guaranteed income
• Guaranteed monthly earnings
• Guaranteed savings
• Guaranteed debt elimination
• Guaranteed investment returns
• Guaranteed financial independence
• Guaranteed business income
• Any specific financial result

Financial outcomes depend on individual circumstances, decisions, discipline, market conditions, income, expenses and many other factors.

5. Financial Freedom Blueprint Webinar

The Financial Freedom Blueprint is a financial education webinar designed to introduce participants to practical financial concepts.

Webinar topics may include money management, financial planning, savings, debt awareness, financial goals and financial confidence.

Webinar dates, times, delivery platforms and session details may be updated when required.

6. Financial Freedom Accelerator Program

The Financial Freedom Accelerator is planned as an 8-week live online group coaching and financial education program.

The program may cover topics including:

• Financial clarity and goal setting
• Cash-flow awareness
• Money-management systems
• Debt-management education
• Savings and emergency-fund planning
• Income stability and income-growth planning
• Risk awareness
• Investment fundamentals
• Personal financial action planning

7. Program Fees

The final price of the Financial Freedom Accelerator program or any other paid service will be displayed or communicated before purchase.

Customers are responsible for reviewing the applicable program fee, payment terms and program details before completing a payment.

8. Payment Terms

Where a paid program or service is offered, payment may be processed through a third-party payment gateway or payment service provider.

Customers are responsible for ensuring that payment details are accurate and that they are authorized to use the chosen payment method.

Access to paid services may be provided after successful payment confirmation, subject to the applicable program schedule and terms.

9. Refund & Cancellation

Refund requests may be accepted before the Financial Freedom Accelerator program starts.

Once the program has started, the purchase will be treated as non-refundable.

Customers should submit any refund request before the official program start date through the available contact details.

Additional payment gateway processing conditions, if applicable, may also affect the refund process.

10. Participant Responsibilities

Participants are responsible for their own financial decisions and actions taken after attending webinars, coaching sessions or reviewing educational materials.

Participants are expected to:

• Provide accurate information when registering
• Attend sessions responsibly
• Use educational information appropriately
• Respect other participants during group coaching sessions
• Not misuse or redistribute proprietary program materials
• Seek licensed professional advice where necessary

11. Personal Financial Decisions

Any decision relating to investments, loans, insurance, taxation, business opportunities, credit, financial products or other regulated financial matters should be made based on the user's own circumstances and, where appropriate, after consultation with a suitably qualified or licensed professional.

Monoj Mandal's general educational content should not be interpreted as a substitute for individualized professional advice where such advice is required.

12. Accuracy of Information

Reasonable efforts may be made to provide useful and accurate educational information. However, financial rules, market conditions, regulations, products and general circumstances may change over time.

No representation is made that all information will always remain complete, current or suitable for every individual situation.

13. Intellectual Property

Unless otherwise stated, website content, educational materials, webinar content, program frameworks, presentations, written materials, graphics and related resources may be owned by or licensed for use by Monoj Mandal.

Users may not copy, reproduce, sell, republish, distribute or commercially exploit protected content without appropriate permission.

14. Group Coaching Conduct

Participants in live online group coaching sessions are expected to maintain respectful and professional behavior.

Harassment, abuse, disruption, unauthorized recording, misuse of participant information or inappropriate conduct may result in removal from a session or program where reasonably necessary.

15. Confidentiality of Other Participants

Group coaching participants should respect the privacy of other participants.

Personal information, stories, financial circumstances or other details shared by another participant should not be recorded, published or distributed without appropriate permission.

16. Online Service Availability

Webinars and coaching programs may depend on third-party technology, internet access, video-conferencing platforms, hosting providers or communication services.

Temporary interruptions, technical issues or service-provider outages may occur and may be outside the direct control of Monoj Mandal.

17. Changes to Webinar or Program Schedule

In reasonable circumstances, webinar or coaching session schedules may need to be changed, postponed or rescheduled.

Where practical, affected participants will be informed through available contact channels.

18. Third-Party Platforms

This website or related services may use third-party platforms such as:

• Webinar platforms
• Video-conferencing platforms
• Website hosting services
• Payment gateways
• WhatsApp
• Email services
• Social media platforms
• CRM or form-processing tools

Use of these services may also be subject to the applicable third party's own terms and privacy policies.

19. External Links

The website may contain links to third-party websites or external services.

Monoj Mandal is not responsible for the content, availability, policies or independent practices of external websites or platforms.

20. Limitation of Liability

To the extent permitted by applicable law, Monoj Mandal will not be responsible for losses resulting solely from a user's independent financial decisions, misuse of educational content, reliance on general information as individualized advice, or circumstances outside reasonable control.

Users remain responsible for evaluating their own financial situation and obtaining appropriate professional advice where required.

21. No Professional Relationship Automatically Created

Accessing this website, viewing educational material, attending a free webinar or sending an enquiry does not automatically create a regulated financial advisory, investment advisory, legal, tax, insurance or fiduciary relationship.

22. Privacy

Personal information collected through this website or related services will be handled in accordance with the applicable Privacy Policy.

Users should review the Privacy Policy to understand how personal information may be collected, used and processed.

23. Changes to These Terms

These Terms & Conditions may be updated periodically to reflect changes in services, programs, website functionality, business practices or applicable requirements.

Continued use of the website or services after an updated version is published may constitute acceptance of the revised terms, subject to applicable law.

24. Governing Requirements

These Terms & Conditions are intended to operate alongside applicable laws and regulations relevant to the services being provided.

Nothing in these terms is intended to exclude rights or obligations that cannot legally be excluded under applicable law.

25. Contact Us

If you have questions about these Terms & Conditions, you may contact: