Terms & Conditions, Privacy, Refund & Shipping Policies

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Effective Date: July 7, 2025

1. Introduction

Welcome to [www.thelifenavigator.com] (the “App”), operated by [PsyFiSkills Eduverse Pvt. Ltd.], (“we”, “us”, “our”). By accessing or using our App—including scheduling sessions, accessing content, or utilizing any service—you agree to these Terms & Conditions (“Terms”). If you’re using the App on behalf of an organization, you represent that you’re authorized to accept these Terms on its behalf.

2. Services

We offer:

• Educational content (articles, quizzes, self-help tools, apps, NEEt/IIT skilling, Online Classes, Courses, Electronic Gadgets etc)
• Psychological support (self-paced guides, mental health resources)
• Scheduling tools to book appointments with accredited professionals

These services are for educational and informational purposes only and do not replace professional medical or psychiatric care or regular school/college functionality.

3. Limited Medical Disclaimer

• Content isn’t medical, psychological, or therapeutic advice.
• Consult qualified professionals for mental health issues.
• Never delay emergency care. Call local emergency services if in crisis.

4. Eligibility

You must be 18+ or with parental consent if a minor, legally able to form binding contracts, and not barred under any applicable law.

5. User Account

You agree to:

• Provide accurate, up-to-date information
• Keep login credentials confidential
• Notify us of unauthorized access or use

We may suspend or terminate accounts violating these Terms or applicable laws.

6. User Conduct

You commit to:

• Abiding by laws and professional codes
• Not misrepresenting your identity or intentions
• Respecting intellectual property
• Avoiding harmful content or misuse
  We reserve the right to remove content or terminate accounts for violations.

7. Fees and Payment

• Services and subscription products are clearly priced in the App.
• Payments are processed through secure third-party payment gateways.
• Fees are non-refundable unless otherwise specified.
• You may cancel subscriptions per our cancellation policy in the App.

8. Intellectual Property

• We own all App content and grants you a limited license for personal use.
• You may not distribute, modify, or use content commercially without permission.
• User-generated content remains yours; you grant us a royalty-free license to use it in connection with operations.

9. Privacy

Your data is protected in accordance with our separate Privacy Policy. By using the App, you agree to its terms.

10. Third-Party Links

We may link to external websites. We are not responsible for their content or practices. Use such links at your own risk.

11. Limitation of Liability

• To the fullest extent permitted by law, [PsyFiSkills Eduverse Pvt. Ltd.], its affiliates, and employees shall not be liable for any indirect, incidental, consequential, punitive, or special damages.
• Our total liability for direct damages is limited to the amount you paid (if any) for use of the App during the 12 months prior to any claim.

12. Indemnification

You agree to indemnify and hold harmless [Company Name] and its affiliates, officers, agents, and employees from any claim arising from your use of the App or violation of these Terms.

13. Governing Law & Dispute Resolution

• These Terms are governed by the laws of Maharashtra/India, excluding conflict-of-law principles.
• Disputes will be resolved by [arbitration/mediation] in [Beed], unless prohibited. Either party may seek injunctive relief in appropriate courts.

14. Modifications

We may update these Terms at our discretion. Changes will be posted with a revised Effective Date. Continuing to use the App after changes constitutes acceptance.

15. Termination

We reserve the right to suspend or terminate your access at any time for breach of these Terms, at our sole discretion. Provisions such as disclaimers, limits of liability, indemnification, intellectual property, and governing law will survive termination.

16. Severability

If any provision is found unenforceable, it will be modified to reflect the parties’ intent. Remaining provisions remain in effect.

17. No Waiver

Our failure to enforce any right under these Terms does not constitute a waiver of that right.

18. Contact Us

If you have questions or concerns about these Terms, please contact us at:
PsyFiSkills Eduverse Pvt. Ltd
connect@thelifenavigator.com