Terms & Conditions

Last Updated: January 2026

1. Acceptance of Terms

By accessing and using Speak & Settle services, you agree to be bound by these Terms & Conditions. If you do not agree to any part of these terms, you may not use our services.

2. Service Description

Speak & Settle provides analytical counselling and life coaching services through WhatsApp messaging, voice calls, and masterclass sessions. Our services are NOT a substitute for professional medical advice, therapy, or psychiatric treatment.

3. Eligibility

• You must be 18 years or older to use our services
• You are responsible for providing accurate information during registration
• You agree not to use our services for any illegal or harmful purposes

4. Service Availability & Limitations

• Services are available as per the provider's schedule
• We reserve the right to reschedule or cancel sessions with 24-hour notice
• Services may be temporarily unavailable due to technical issues
• Response times for WhatsApp queries: 24-48 hours

5. Payment Terms

• All prices are in Indian Rupees (Rs.)
• Payment must be completed before the session begins
• We accept: UPI, WhatsApp Pay, Bank Transfer, and Digital Wallets
• No refunds are provided once the session has commenced
• Invoices/receipts are provided via email or WhatsApp

6. Confidentiality & Privacy

• All information shared during sessions is strictly confidential
• We do not share your data with third parties
• Session records are kept secure for billing purposes only
• See our Privacy Policy for detailed information handling practices
• Exceptions: We may disclose information if required by law or if there's an immediate threat to safety

7. User Responsibilities

• You are responsible for maintaining the confidentiality of your WhatsApp/call details
• You agree not to record sessions without explicit written consent
• You will not harass, abuse, or threaten the service provider
• You agree not to share session content publicly

8. Limitations of Liability

IMPORTANT DISCLAIMER: Our counselling services are for informational and supportive purposes only. They are NOT:

• A replacement for professional mental health treatment
• Medical or psychiatric advice
• A substitute for crisis intervention services

If you are experiencing a mental health crisis, suicidal thoughts, or severe distress, please contact:

• AASRA (India): 9820466726
• iCall: 9152987821
• Vandrevala Foundation: 9999 666 555
• Local Emergency Services: 112

9. Intellectual Property

All content, materials, and advice provided are the intellectual property of Speak & Settle. You may not reproduce, distribute, or use any materials without explicit permission.

10. Termination of Service

We reserve the right to terminate services to any user who:

• Violates these terms
• Engages in abusive or threatening behavior
• Provides false information
• Fails to make payment

11. Changes to Terms

We may update these Terms & Conditions at any time. Updated terms will be posted on our website, and continued use of our services constitutes acceptance of the new terms.

12. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Maharashtra.

13. Contact Us

If you have questions about these Terms & Conditions, please contact us:

• WhatsApp: +91 8591 201967
• Email: contact@speakandsettle.online