SPIRITUAL SERVICES DISCLAIMER & LEGAL AGREEMENT

By purchasing or participating in any session, course, workshop, consultation, healing service, or program offered by Dr. Swapna Marathee and Indira Muneshwar, you acknowledge and agree to the following:

1. Spiritual & Personal Development Purpose

All services including tarot readings, energy healing, manifestation guidance, coaching, workshops, and courses are provided strictly for spiritual growth, personal insight, and self-development purposes.

These services are intended to support personal awareness and are not presented as absolute facts or guarantees of future outcomes.

2. Free Will & Personal Responsibility

All information, guidance, and interpretations shared during sessions or programs are based on spiritual insight, intuition, and energetic interpretation.

The client understands that all decisions, actions, and outcomes are their own responsibility and that they exercise their free will at all times.

3. No Guarantees of Results

Results from healing, manifestation practices, spiritual guidance, or coaching may vary for each individual.

Neither Dr. Swapna Marathee nor Indira Muneshwar guarantee any specific results related to:

relationships

finances

career

health

personal circumstances

4. Not Professional Advice

The services provided are not intended to replace professional advice.

These services are not medical, psychological, legal, or financial services.

Clients are advised to consult qualified professionals for medical, psychological, legal, or financial concerns.

5. Emotional & Psychological Responsibility

Clients acknowledge that spiritual work and personal development processes may involve emotional reflection or inner work.

Participants agree that they are emotionally and mentally responsible for their own well-being during and after participation in any service.

6. No Liability

By participating in these services, the client agrees that Dr. Swapna Marathee and Indira Muneshwar are not liable for any decisions, interpretations, emotional responses, or outcomes resulting from the use of these services.

7. No Refund Policy

Due to the digital, spiritual, and knowledge-based nature of these services, all payments made are final, non-refundable, and non-transferable unless otherwise clearly stated.

8. Chargeback & Payment Dispute Policy

Clients agree not to initiate chargebacks or payment disputes with payment providers after purchasing services.

Any concerns must be addressed directly with the facilitators.

9. Voluntary Participation

Participation in all sessions, workshops, programs, and courses is voluntary, and the client confirms that they are joining of their own free will.

10. Acceptance of Terms

By making payment or enrolling in any service offered by Dr. Swapna Marathee and Indira Muneshwar, the client confirms that they have read, understood, and agreed to this Disclaimer and Legal Agreement.

PAYMENT CONFIRMATION STATEMENT

By completing this payment, you confirm that you have read, understood, and agreed to the Spiritual Services Disclaimer and Terms & Conditions provided by Dr. Swapna Marathee and Indira Muneshwar.