Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of maheshjoshi.in and any coaching, consulting services or digital products offered by BM Consulting, operated by Mahesh Joshi ("we", "us", "our"). By accessing this website or purchasing any product or service, you agree to these Terms.

1. Services Offered

BM Consulting offers business coaching, business consulting, and related digital products/resources. Details of specific offers, formats and inclusions are shared directly with clients at the time of enrolment or purchase.

2. Eligibility

Our services are intended for individuals who are at least 18 years old and legally capable of entering into a binding contract. By using our services, you confirm you meet this requirement.

3. Payments

All payments for services and digital products are processed securely through Razorpay. Prices, where applicable, are displayed in Indian Rupees (INR) unless stated otherwise. Access to digital products is granted only after successful payment confirmation.

4. Refunds & Cancellations

Our Refund & Cancellation terms are detailed separately on our Refund & Cancellation Policy page. Please review it before making a purchase.

5. Intellectual Property

All content on this website and within our coaching/consulting materials — including text, frameworks, strategies, graphics and digital products — is the intellectual property of BM Consulting / Mahesh Joshi. It may not be copied, reproduced, resold or redistributed without prior written permission.

6. Client Responsibilities

Coaching and consulting outcomes depend significantly on the client's own implementation and effort. We provide guidance, strategy and frameworks; results are not guaranteed and depend on factors outside our control, including the client's market, execution and business conditions.

7. Limitation of Liability

BM Consulting and Mahesh Joshi shall not be held liable for any indirect, incidental or consequential loss arising from the use of our website, services or digital products, to the extent permitted by applicable law.

8. Changes to Services or Terms

We reserve the right to modify our services, pricing or these Terms at any time. Continued use of our website or services after changes constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the courts in Surat, Gujarat.