These Terms and Conditions (“Terms”, “Agreement”) govern your use of the IMR Business Counsellor website, services, counselling programs, and all related offerings provided by IMR Business Counsellor (“we”, “our”, “us”). By accessing or using our website or services, you agree to comply with these Terms. If you do not agree, discontinue use immediately.

1. Introduction
IMR Business Counsellor provides professional business counselling, financial planning, leadership development, mindset coaching, and business expansion solutions. These Terms outline the responsibilities and limitations associated with using our services.

2. Eligibility
You must be:
 At least 18 years old, or using the services under parental/guardian consent.
 Legally capable of entering into binding agreements.

3. Services Offered
Our services include, but are not limited to:
 Business Counselling
 Financial Management & Planning
 Leadership & Team Building Training
 Business Expansion & Collaboration Guidance
 Personal Growth & Mindset Coaching
 Extra Income Opportunity Programs
Services may be delivered online PAN India or offline based on appointment, meeting, or
seminar availability.

4. Use of Services
By using our services, you agree to:
 Provide accurate and complete information.
 Use the services only for lawful purposes.
 Not exploit, duplicate, or misuse counselling programs, frameworks, or training materials. We reserve the right to refuse service to any individual for inappropriate, fraudulent, or harmful behavior.

5. Appointments, Payments & Communication
A. Appointments
Appointment confirmations may be sent via call, WhatsApp, email, or SMS.
B. Payments
 All payments made for counselling, training, or consulting are final unless stated
otherwise.
 Fees, once paid, are non-refundable except in cases where IMR Business Counsellor
cancels a session.
C. Communication Consent
By contacting us, you consent to receiving:
 Service updates
 Appointment notifications
 Follow-ups
 Counselling-related communication

6. Confidentiality
We maintain confidentiality of all information shared during counselling or consulting sessions. However, confidentiality does not apply in cases involving:

 Legal obligations
 Safety concerns
 Fraud, threats, or unlawful activity

7. User Responsibilities
You agree not to:
 Copy, distribute, or resell our content, training materials, or counselling frameworks.
 Impersonate any individual or misrepresent your identity.
 Use our website or services to send harmful, abusive, or unlawful content.

8. Disclaimer
Our counselling and training services are designed to guide and support your business and
personal development. However:

We do not guarantee income, financial gains, or business success.
 Results depend on individual effort, market conditions, and external factors.
 All information provided is for educational and developmental purposes.
You assume full responsibility for decisions made based on our guidance.
9. Limitation of Liability
IMR Business Counsellor is not liable for:
 Losses, damages, or delays arising from use of services
 Business or financial outcomes resulting from guidance
 Technical issues, interruptions, or data loss
Our maximum liability, if applicable, is limited to the amount paid for the specific service.

10. External Links
Our website may include third-party links. We are not responsible for:
 External content
 Privacy practices
 Policies of external websites
You access third-party sites at your own risk.
11. Intellectual Property
All content, training materials, branding, documents, and frameworks provided by IMR
Business Counsellor are protected under intellectual property laws.
You may not:
 Copy
 Reproduce
 Modify
 Sell or distribute any materials without written permission.

12. Termination of Access
We may suspend or terminate access to services if: 

 Terms are violated
 Fraud or misuse is detected
 Harmful behavior is observed

13. Changes to Terms
IMR Business Counsellor may update these Terms at any time. Continued use of our services after updates indicates acceptance.

14. Governing Law
These Terms are governed by applicable Indian laws. Any disputes will be handled through appropriate legal jurisdiction.
By using our website or services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.