REFUND Refund Policy for Digital Products and Digital Training / Coaching Video Courses

1. Refund Policy for Digital Products and services
Digital products include e-books, software, online video courses and video coachings, and other downloadable or streamable content.
Please note that the following terms apply:

1.1 No Refunds on Digital PurchasesDue to the nature of digital goods, all purchases are final and non-refundable. Once the product is accessed or downloaded, we are unable to offer a refund, exchange, or cancellation.

1.2 Faulty or Inaccessible Digital ProductsIf you experience technical issues that prevent you from accessing the product, please contact our support team at [info at terramindgroup.com]. In cases of defective or inaccessible content, we may provide a replacement or resolve the issue at no additional cost to you.

1.3 Legal RightsYour statutory rights are unaffected. If the digital product is not of satisfactory quality, fit for purpose, or as described, you may have the right to request a resolution under UK consumer law.

2. Refund Policy for Live Training CoursesLive training courses include webinars, coaching sessions, and in-person or virtual workshops. The following policies apply:

2.1 Cancellation by the ParticipantCancellations made more than 14 days before the course date are eligible for a full refund. Cancellations made within 14 days of the course date are not eligible for a refund.

2.2 Rescheduling or Substitute ParticipantsParticipants may request to reschedule their booking or transfer their spot to another individual up to 48 hours before the course start time, subject to availability.

2.3 Cancellation by the CompanyIf we cancel or postpone the training course, participants will be offered the choice of:A full refund of the course fees; or
A transfer to an alternative date.

2.4 Missed Sessions
If a participant fails to attend a live training session, no refunds or rescheduling will be offered unless agreed upon in advance.

3. How to Request a Refund or Assistance
To request a refund or assistance, please contact us at info@ terramindgroup.com with your order details, including:Order numberDescription of the issue (if applicable) We aim to respond to all inquiries within 3 business days.
4. Acceptance of Refund Policy
By purchasing our digital products or coaching / training courses, you agree to this refund policy.
if you have any questions, please contact us at info @ terramindgroup.com. 

s & ConditionsThese terms and conditions apply to the website of TerraMind Group Global Ltd of128 City Road, London United Kingdom, EC1V 2NX (hereinafter "Company"). The Company operates the platform terramindgroup.net and provides paid digital services on it in connection with the provision of selected services. In addition, the company offers VIDEO Coaching services in digital form. Furthermore, the company sells products in the above-mentioned area. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Web Site.If you do not agree to be bound by these terms and conditions, you should stop using the Web Site immediately. These Terms and Conditions apply to the above-mentioned areas as well as to the other services which the company provides directly and indirectly to the Customer. Conclusion of contractThe conclusion of the contract is affected by the acceptance of the offer of the Company concerning the purchase of services, products, or licences by the Customer.The contract is also concluded when the Customer uses the services offered by the company or obtains or uses products of the company (licence). PricesUnless otherwise quoted, all prices are in US Dollar or the currency mentioned at sales. All prices are exclusive of any applicable value added tax (VAT) unless other statedPrices are exclusive of any other applicable taxes.The company reserves the right to change prices at any time. The prices valid at the time of the conclusion of the contract on the website terramindgroup.com or according to the separate price list of the Company shall apply. The prices applicable to the Customer shall be those in force at the time of conclusion of the contract. PaymentThe customer is obliged to pay the invoiced amount upon checkout and immediately. Unless he/she has already paid the amount during the order process via credit card or other payment systems.If the invoice is not paid within the aforementioned payment period, the customer will be warned. If the customer does not settle the invoice within the set reminder period, he/she will automatically be in default. From the time of default, the customer shall owe interest on arrears at the rate of 5%.Offsetting the invoiced amount against any claim the Customer may have against the Company is not permitted.The Company shall have the right to refuse the provision of services, the delivery of the product or the granting of the licence in the event of late payment. Provision of ServicesUnless otherwise agreed, the Company shall fulfil its obligation by providing the agreed service. The service includes the services which are or were published online at the time of the conclusion of the contract.The majority of the Company's services are provided online. For all other services, the registered office of the Company shall be the place of performance, unless other provisions are made.    The parties have the express right to engage auxiliary persons to perform their contractual duties. They shall ensure that the auxiliary personnel are engaged in compliance with all mandatory statutory provisions and any collective labour agreements. Use of ServicesThe Company grants the Customer the right to use the documents / digital services in the relevant Contract Boxes bought by the customer. These rights of use are non-exclusive, non-transferable, and limited to use by the paying Customer. The individual documents and digital services serve as templates and may only be used by the Customer as templates or examples and for its own purposes. Any transfer to third parties and any other use, commercial or otherwise, is prohibited.If the documents /digital services are produced in a format which restricts the Customer's rights of use, this is the intention of the Company and reformatting or changes are not permitted.The Content shall be available to the Customer for the agreed period of time. After expiry of this period the Customer shall no longer be entitled to the content of the contract boxes. Obligations of the customerThe customer is obliged to exercise the rights of use only to the extent granted. The customer is fully responsible for the safekeeping of his access data and passwords. The customer is responsible for the content of the recorded data and information.The Customer is obliged to immediately take all precautions necessary for the provision of the service by the Company. The Customer shall make the arrangements at the agreed place, at the agreed time and to the agreed extent. Depending on the circumstances, this may include the provision of appropriate information and documentation to the Company.By accepting these Terms and Conditions, the Customer also confirms that he/she has unlimited capacity to act and is of legal age. By registering, the customer expressly declares that all information provided is true, up-to-date and in compliance with the rights of third parties, morality, and the law. Obligation to cooperateThe Customer is obliged to make all arrangements necessary for the provision of the service by the Company immediately. The Customer shall make the arrangements at the agreed place, at the agreed time and to the agreed extent. Depending on the circumstances, this may include the provision of appropriate information and documentation to the Company.Furthermore, the Customer shall cooperate fully and promptly. He shall hand over to the Company all documents required in connection with the provision of the service without being asked to do so, in full and with the correct content. The Company assumes that the information and documents supplied are correct and complete and comply with the statutory obligations to cooperate and provide information. The Company shall only be responsible for checking the correctness and regularity of information, documents and figures provided by the Customer if this has been agreed in writing in advance.The Customer is fully responsible for the safekeeping of his access data and passwords. The Customer is responsible for the content of the data and information collected.The Company is entitled to monitor the conduct of the Customer in connection with the use of the Internet platform. In particular, the Company is entitled to check the legality of the content entered by the Customer on the online platform at any time. Retention of titleOwnership of the products shall remain with the Company until the purchase price has been paid in full. Until then the customer may not dispose of the products, in particular; neither sell nor rent or pledge them.   WarrantyThe Company shall endeavour to ensure good availability of terramindgroup.com and shall take reasonable precautions to protect terramindgroup.com from interference by third parties.However, it cannot guarantee that the functioning of terramindgroup.com and the services offered will be uninterrupted or trouble-free, nor can it guarantee that the files are free of viruses. The company provides no guarantee for the factual and content-related correctness, completeness and reliability or quality of the published or transmitted information and documents. It can also give no guarantee for non-spamming, harmful software, spyware, hacking or phishing attacks etc. which impair the use of the service, damage the infrastructure (e.g., terminal equipment, PC) of the customer or otherwise harm the customer. The Company cannot guarantee the factual and content-related correctness, completeness and reliability or quality of the information and processes provided, published, or transmitted or the work result of the Services. Any problem or defect must be reported to the Company immediately.The Company warrants that the Product is free from defects in materials and workmanship.Any defect shall be reported to the Company immediately. The Company shall decide whether to repair or replace the defective product. Only if replacement or repair is not possible is the customer entitled to a reduction or refund of the purchase price. The claim for reimbursement of costs in the case of third-party repairs is excluded. During the time of repair, the customer has no claim to a replacement product. The warranty starts anew for the repaired element, for the remaining elements of the product the original warranty period continues. Limitation of LiabilityTo the maximum extent permitted by law, TerraMind Group Global Ltd accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special, or exemplary damages arising from the use of the Web Site or servicesor any information contained therein. Users should be aware that they use the Web Site and its Content at their own risk.Nothing in these terms and conditions excludes or restricts TerraMind Group Global Ltd ’ liability for death or personal injury resulting from any negligence or fraud on the part of TerraMind Group Global Ltd . Every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977. However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal. Intellectual Property RightsThe Company is entitled to all rights to the products, services and any trademarks or is entitled to use them by the owner.Neither these Terms and Conditions nor any individual agreements pertaining thereto shall transfer any intellectual property rights unless this is explicitly stated.In addition, any further use, publication and making available of information, images, texts, or anything else which the Customer receives in connection with these provisions is prohibited, unless it is explicitly approved by the Company.If the Customer uses contents, texts, or pictorial material in connection with the Company in which third parties have a property right, the Customer shall ensure that no property rights of third parties are infringed. PrivacyFor the purposes of applicable data protection legislation, TerraMind Group Global Ltd will process any personal data you have provided to us in accordance with our Privacy Policy available on the TerraMind Group Global Ltd website or on request from TerraMind Group Global LtdYou agree that, if you have provided TerraMind Group Global Ltd with personal data relating to a third party (1) you have in place all necessary appropriate consents and notices to enable lawful transfer such personal data to TerraMind Group Global Ltd and (2) that you have brought to the attention of any such third party the Privacy Policy available on the TerraMind Group Global Ltd ’ website or otherwise provided a copy of it to the third party. You agree to indemnify TerraMind Group Global Ltd in relation to all and any liabilities, penalties, fines, awards, or costs arising from your non-compliance with these requirements. DisclaimersTerraMind Group Global Ltd makes no warranty or representation that the Web Site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure, and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service.No part of this Web Site is intended to constitute advice and the Content of this Web Site should not be relied upon when making any decisions or taking any action of any kind. Availability of the Web SiteThe Service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility, and satisfactory quality.TerraMind Group Global Ltd accepts no liability for any disruption or non-availability of the Web Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship. Force majeureIf the timely performance by the Company, its suppliers or third parties called in is made impossible as a result of force majeure such as natural disasters, earthquakes, volcanic eruptions, avalanches, thunderstorms, storms, wars, riots, civil wars, revolutions and uprisings, terrorism, sabotage, strikes, nuclear accidents or reactor damage, the Company shall be released from the performance of the obligations concerned for the duration of the force majeure and for a reasonable start-up period after its end. If the force majeure lasts longer than 30 days, the Company may withdraw from the contract. The Company shall reimburse the Customer in full for any payment already made. ChangesThese terms and conditions may be amended by the Company at any time.The new version shall come into force by publication on the Company's website.In principle, the version of the Terms and Conditions in force at the time of the conclusion of the contract shall apply to the customer. Unless the Customer has agreed to a newer version of the Terms and Conditions. No WaiverIn the event that any party to these Terms and Conditions fails to exercise any right or remedycontained herein, this shall not be construed as a waiver of that right or remedy.      Previous Terms and ConditionsIn the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.  NoticesAll notices / communications shall be given to us by email to info @ terramindgroup.com Such notice will be deemed received in full on a business day and on the next business day if the email is sent on a weekend or public holiday. Law and JurisdictionThese terms and conditions and the relationship between you and TerraMind Group Global Ltd shall be governed by and construed in accordance with the Law of England and Wales and TerraMind Group Global Ltd and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.1. IntroductionThese Terms and Conditions ("Terms") govern your use of TerraMind Group / terramindgroup.com terramind.net and terramind.digital Limited (“we,” “us,” or “our”), a company registered in England and Wales under company number [Insert Number], whose registered office is at [Insert Address]. By accessing our website or using our services, you agree to these Terms. If you do not agree, you must not use our website or services.2. Definitions“Services” refers to video-based coaching, informational content, and other offerings provided by us via our online platform.“Platform” refers to the website and membership areas made available to Users through third-party technical solutions.“User” or “You” refers to any individual accessing or using the Platform.“Payment Processor” refers to the external service provider managing payment transactions.3. EligibilityYou must be at least 18 years old to use (pay) our Services. By using the Services, you confirm that you have the legal capacity to enter into a binding agreement under the laws of your jurisdiction.4. Use of Services4.1 Permitted UseOur Services are intended solely for personal and non-commercial use. You agree not to resell, redistribute, or share any of our content without prior written consent.4.2 Account ResponsibilityUsers with accounts are responsible for maintaining the confidentiality of their login credentials. You agree to notify us immediately of any unauthorized access or suspicious activity.4.3 Prohibited ActivitiesYou agree not to:Use the Services for any illegal or unauthorized purpose.Interfere with the security or functionality of the Platform.Copy, modify, or reverse-engineer any part of the Platform or Services.5. Membership and Access5.1 Membership AreaAccess to coaching materials and video content is provided via a secure membership area. Access is granted upon successful registration and payment.5.2 Platform AvailabilityWe strive to ensure the availability of our Platform but do not guarantee uninterrupted or error-free service.5.3 Video HostingVideos may be hosted on third-party platforms and embedded on the Platform. By accessing the videos, you agree to comply with the terms of the respective third-party service providers.6. Pricing and Payments6.1 PricingAll prices are listed in [Insert Currency] and are subject to change at any time. Prices include applicable taxes unless stated otherwise.6.2 Payment ProcessingPayments are processed securely through an external payment service provider. By making a payment, you agree to the terms and policies of the respective payment processor.6.3 Subscription PaymentsFor subscriptions, payments are recurring unless canceled by the User. Cancellation can be managed through your account settings.6.4 Refund PolicyRefund eligibility is determined in accordance with our Refund Policy, available [insert link or specify location]. Refunds may not be available for digital products or services already accessed.7. Intellectual PropertyAll content, including videos, text, graphics, and other materials, is the intellectual property of TerraMind Group / terramindgroup.com terramind.net and terramind.digital Limited or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and view the materials for personal use.8. Third-Party Services8.1 Hosting and Technical ServicesOur Platform is supported by third-party hosting and technical service providers. We are not liable for issues arising from the use or unavailability of these services.8.2 Payment ServicesPayments are handled by an external payment processor. We do not store payment details and are not liable for any issues arising during the payment process.8.3 External LinksOur Platform may contain links to third-party websites. We do not endorse or assume responsibility for the content or practices of such sites.9. Privacy and Data ProtectionWe value your privacy and process your personal data in accordance with our Privacy Policy, available [insert link or location].10. Limitation of LiabilityTo the fullest extent permitted by law:We disclaim all warranties, express or implied, regarding the Platform and Services.We are not liable for any indirect, incidental, or consequential damages.Our liability for any claim will not exceed the amount paid by you for the Services in the 12 months preceding the claim.11. IndemnityYou agree to indemnify and hold TerraMind Group / terramindgroup.com terramind.net and terramind.digital Limited harmless from any claims, losses, or damages arising from your breach of these Terms or misuse of the Services.12. TerminationWe reserve the right to suspend or terminate your access to the Platform at our discretion if you violate these Terms.13. Governing Law and JurisdictionThese Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.14. AmendmentsWe reserve the right to amend these Terms at any time. Changes will be posted on the Platform and are effective immediately upon posting.15. Contact InformationFor questions or concerns regarding these Terms, please contact us:[Insert Contact Email][Insert Phone Number]