1. Refund Policy

• All services offered by Dr. Naveen Kumar, including webinars, workshops, courses, and mentorship sessions, are digital, educational, and psychological in nature.

• Refunds are not available once a service has been accessed, scheduled, or delivered, as the content and guidance are personalized and cannot be returned.

• In exceptional circumstances (e.g., technical issues preventing access), please contact dr.naveenphdpsy@gmail.com within 7 days for review.

2. Payment Policy

• Payments for services are collected securely through [Insert Payment Gateway].

• Full payment is required to confirm registration for any service.

• Prices are subject to change without prior notice, but confirmed registrations will be honored at the price paid.

3. Service Access

• Access to digital content (eBooks, webinars, recordings) is restricted to registered users only.

• Sharing, downloading, or distributing content without permission is strictly prohibited.

4. Scheduling & Rescheduling

• Scheduled sessions and webinars must be attended at the designated time.

• Rescheduling is allowed only with prior notice of 48 hours, subject to availability.

5. Privacy & Data Policy

• Your personal information is collected solely for service delivery and communication purposes.

• We do not share your information with third parties without consent.

6. Contact

• For queries regarding refunds, access, or policies, please reach out to dr.naveenphdpsy@gmail.com.