Terms & Refund Policy
These terms form a binding agreement between you and Shefali Kapoor ("the coach"). By enrolling in a course or making any payment through this website, you accept them.
You must be at least 18 years of age and legally capable of entering into a contract. Read these terms together with the Disclaimer and the Privacy Policy, which form part of this agreement.
Educational instruction and one-to-one coaching, delivered live and online. Three things are currently offered:
All prices are in Indian Rupees. Prices are inclusive of applicable taxes unless stated otherwise at checkout, and may change at any time; the price shown at the moment you pay is the price that applies to you.
What is expressly not being sold is investment advice, recommendations, tips, calls or any assurance of financial outcome. This is set out in full in the Disclaimer.
For the lawyer: confirm GST position and whether prices should be stated inclusive or exclusive. If turnover crosses the registration threshold, invoicing and price display will both need revisiting.
Sessions are booked by selecting an available slot and paying in full. A slot is held briefly while payment is completed and is released back to the calendar if payment does not complete in that window.
Payments are processed by a third-party payment provider. Card and banking details are handled by that provider and are never received or stored by the coach. Where a payment fails or is declined, no booking is created.
A booking is confirmed only when you receive a confirmation email. If money has left your account and no confirmation has arrived within an hour, contact the coach with your payment reference.
The two courses are independent and either may be taken alone. Where both are purchased together at the combined fee, both are treated as a single enrolment for the purposes of refunds and validity.
The combined fee is available at the point of purchase only. It is not applied retrospectively if the second course is bought later, and it is not transferable to another person.
Decision needed: if someone buys Execution Gap alone and later wants Conviction Gap, is any credit given against the combined price? Currently drafted as no. Confirm before publishing.
All sessions are delivered live and online at times agreed between you and the coach. Programs are paced to the participant rather than to a fixed calendar, and there is no guaranteed completion date.
Each session is recorded and the recording is made available to you afterwards for your own use. If you object to being recorded, say so before the session begins.
Program sessions must be scheduled and completed within [PERIOD] months of enrolment. After that period, any unused sessions lapse, unless an extension has been agreed in writing.
Decision needed: the expiry period. Six months is common and protects against an enrolment resurfacing after two years. Recommend six, stated plainly at the point of purchase as well as here.
You may reschedule a session using the link in your confirmation email, up to 12 hours before the scheduled start. Beyond that point, contact the coach directly and reasonable efforts will be made to accommodate you.
If you do not attend a scheduled session and have not given notice, that session is treated as delivered and is not rescheduled or refunded.
If the coach cancels or is unable to attend, the session is rescheduled at no cost to you. If a mutually workable time cannot be found, the fee for that session is refunded in full.
Refundable in full if cancelled more than 12 hours before the scheduled start. Not refundable within 12 hours of the start, or once the session has taken place.
You may cancel and receive a full refund at any time before the first session takes place.
After the first session, a refund of [X]% of the fee is available if requested within [Y] days of enrolment, provided no more than [Z] sessions have been delivered. Beyond that point the fee is non-refundable, because the service is delivered personally and the time reserved for you cannot be resold.
Refunds are made to the original payment method within 7 to 10 working days of approval. Any transaction charges levied by the payment provider may be deducted.
No refund is available on the basis of trading losses, or on the basis that the participant's results did not improve. Nothing sold here is an assurance of a financial outcome, and that is stated before purchase.
Decision needed, and the main one on this page. Three numbers are required: the refund percentage after the first session, the window in days, and the maximum number of delivered sessions. A defensible and customer-friendly combination is 50% within 14 days provided no more than two sessions have been delivered. Whatever is chosen must also be shown on the checkout page, not only here.
For the lawyer: please confirm the position under the Consumer Protection (E-Commerce) Rules, 2020, which require the refund policy to be clearly disclosed before purchase, and advise whether a cooling-off period applies to online services of this type.
Access may be suspended or ended without refund for abusive conduct, for unauthorised distribution of materials, or for persistently seeking regulated investment advice after being told it is not available.
All course materials, worksheets, frameworks and session recordings remain the intellectual property of the coach. On payment you receive a personal, non-transferable, non-exclusive licence to use them for your own learning.
You may not copy, publish, resell, share, upload or use them to teach others, and you may not use them to build a competing product. This licence ends if these terms are breached.
You may stop at any time. Refund entitlement is governed by clause 07 and nothing else.
The coach may end the arrangement where continuing would be inappropriate, including where the participant needs support that falls outside coaching, or where the program is plainly not suited to them. In that event, the fee for any undelivered portion is refunded on a pro-rata basis.
To the fullest extent permitted by law, total liability arising from this agreement is limited to the amount you actually paid for the specific service to which the claim relates.
No liability is accepted for trading or investment losses, loss of profit or loss of opportunity, however arising. Nothing here excludes liability that cannot lawfully be excluded, including liability for fraud.
For the lawyer: the cap is drafted as the fee for the specific service. Confirm this is preferred over a twelve-month aggregate, and ensure it matches clause 09 of the Disclaimer.
This agreement is governed by the laws of India. The courts at [CITY] have exclusive jurisdiction over any dispute.
Before commencing proceedings, both parties agree to attempt in good faith to resolve the matter directly. Most difficulties are resolved by an email.
These terms may be updated from time to time. The version applying to you is the one in force at the date of your purchase. Continued use of the website after an update constitutes acceptance of the revised terms.
Questions about anything on this page: shefali@shefalikapoor.com.