Legal Policies & Terms

Last Updated: January 2026

Refund & Cancellation Policy

⚠️ Strict No-Refund Policy

"Karmi Minds" provides immediate access to digital intellectual property (Logic Training Protocols, Video Courses). Once access is granted (login created), the product is considered "consumed."

Therefore, all sales are final. We do not offer refunds for "change of mind," "lack of time," or any other reason. Please ensure you are committed to the training before enrolling.

Terms & Conditions

By accessing Karmi Minds, you agree to the following:

Personal Use Only: Your account is for your personal learning. Sharing login credentials will result in immediate permanent ban without refund.
Results: This is a mental training program. Results (Speed, Logic improvement) depend on your practice. We guarantee the method, not the outcome if you don't do the work.
Platform: We reserve the right to revoke access if any abusive behavior is detected towards mentors or the community.

Privacy Policy

We respect your data privacy:

Data Collection: We collect Name, Email, Phone (for WhatsApp support), and Learning Goals.
Security: Payment data is handled securely by Razorpay; we never store your card details. Passwords and personal data are stored using Supabase encryption.
No Spam: We will never sell your data to third parties.

Contact Us

For support or queries, contact the operating team:

Operating Name: Neeraj Bhardwaj

Platform: Karmi Minds

Email: neerajbhardwaj565u@gmail.com

Address: H-63, Mathura, Uttar Pradesh, 281001, India