These Terms & Conditions ("Terms") govern your use of karishmawadhwani.com (the "Website") and any coaching programs, sessions or digital products (together, the "Services") offered by The Holistic Career Coach LLC ("we", "us", "our"). By using the Website, booking a call or paying for any Service, you agree to these Terms. If you sign a separate coaching agreement with us, that agreement governs your program and takes priority if the two differ.

1. Services

We provide online career coaching, leadership coaching, interview preparation and related digital resources for working professionals. What your program includes (for example 1:1 calls, chat support, work reviews and worksheets), its schedule and its fee are confirmed in writing before you pay. Your first discovery session is free.

2. Eligibility

You must be at least 18 years old to purchase Services.

3. Nature of coaching and results

• Coaching is a collaborative process to support your professional goals. It is not therapy, counseling, or legal, financial or medical advice, and it is not a recruitment or placement service.

• If you are receiving medical or mental health care, please let your practitioner know you are taking part in a coaching program.

• Testimonials and client results describe individual experiences. They are not a promise that you will achieve the same or similar results. Your results depend on your background, effort, commitment and decisions.

• We do not guarantee any specific outcome, including interviews, job offers, promotions or salary increases. Where a program includes a written guarantee, it applies only if you complete all assigned work on time; it is waived if you do not.

4. Fees and payment

• Investment varies by program and is confirmed on your Career Clarity Call. Prices are subject to change.

• Fees are payable in advance, or by an installment plan agreed in writing, within 48 hours of your invoice. We accept payment through Zelle, Stan and Razorpay; the options available for your purchase are shown at checkout or on your invoice.

• Fees are paid in full without deduction or withholding, except as required by law.

• Your program begins once we receive full payment or the first installment of an agreed plan.

• Choosing an installment plan is a commitment to pay the full program fee.

5. Late payment

• If a payment is more than 7 days overdue, we may add a US$100 administration fee and pause your Services until your account is up to date.

• If a payment is more than 14 days overdue, we may end your program and seek recovery of the outstanding fee and any related costs.

6. Sessions and communication

• Sessions are held online by video call at agreed times. It is your responsibility to check your email and messages for session dates and times.

• If you cannot attend, it is your responsibility to let us know and request a new time. Rescheduling and missed-session rules are set out in our Refund & Cancellation Policy, which forms part of these Terms.

• Sessions may be recorded for your reference and our records. Recordings are kept private and are never published without your written permission.

• Email support, where included, is answered within 2-3 business days.

7. Your responsibilities

• Provide information that is true, accurate and up to date.

• Attend sessions on time and complete any homework before the next session.

• Take responsibility for your own decisions and actions. We are not liable for decisions you make or results that follow from them.

• Treat us and other clients with respect. We may remove you from a session, group or program, without refund, if your behavior is abusive, disruptive or offensive.

• If you have any concern about how a program is being delivered, email us as soon as possible so we can work with you to resolve it.

8. Intellectual property

All materials we provide, including frameworks, worksheets, templates, recordings, workbooks and Website content, are owned by The Holistic Career Coach LLC. Once your fees are paid, we grant you a personal, limited, non-transferable, revocable license to use them for your own private use. You may not copy, share, resell, teach or distribute them, or use them for commercial purposes, without our written permission. Any third-party materials we share are subject to their owners' terms.

9. Confidentiality

We keep what you share with us confidential and use it only to deliver your program, except where disclosure is required by law. In return, you agree to keep our materials, and anything other clients share in group settings, confidential.

10. Testimonials

If you share a testimonial, review or feedback with us, you allow us to use it, along with your name and professional title, on our Website, social media and marketing. You can withdraw this permission at any time by emailing us.

11. Non-solicitation

During your program and for 24 months afterwards, you agree not to solicit our clients or prospective clients, not to hire or engage our employees or contractors, and not to use your participation to promote your own products or services to our clients or community, without our written consent. Consent will not be unreasonably withheld.

12. Ending a program

• You may cancel your program by giving us 14 days' notice by email. Cancelling does not entitle you to a refund, and the full program fee remains payable.

• We may limit, pause or end your Services, without refund, if you breach these Terms, repeatedly fail to attend or respond, or communicate abusively.

• If a program ends for any reason, any fees owed become due immediately, and you must stop using our confidential materials.

13. Events outside our control

If illness, technology or internet failures, natural events or other circumstances beyond our reasonable control affect delivery, program timelines will be extended for a reasonable period. If we are unable to deliver your program because of such an event, either of us may end it in writing and we will agree a fair, pro-rata refund for Services not delivered.

14. Limitation of liability

To the fullest extent permitted by law, our total liability for any claim relating to the Services is limited to the fees you paid for that Service. We are not liable for indirect, special or consequential losses, including lost income or opportunities. You agree to indemnify us against any costs, claims or losses we incur as a result of your breach of these Terms.

15. Disputes and governing law

If you have a concern, please contact us first so we can try to resolve it together. If we cannot, we both agree to try independent mediation before starting legal action. These Terms are governed by the laws of the State of Washington, USA, and any disputes will be handled by the state and federal courts located in King County, Washington.

16. Notices

Notices under these Terms are given by email and are treated as received 48 hours after sending. Please let us know if your email address changes.

17. General

If we do not enforce a provision, that is not a waiver of our rights. If any provision is found unenforceable, the rest of these Terms remain in effect. We may update these Terms from time to time; the version posted on the Website when you purchase applies to that purchase.

18. Contact

Questions about these Terms: please reach us through the Contact page on this website.