Terms and Conditions

Welcome to sadiqumar.com. By accessing this website and enrolling in my coaching programs, you agree to the following terms and conditions. Please read them carefully before using my services.

1. General

• This website and coaching programs are owned and operated by Sadiq Umar.

• By purchasing or participating in any of my coaching services, you agree to comply with these terms.

2. Coaching Services

• My coaching programs are designed to provide education, guidance, and support.

• I do not guarantee specific results or outcomes, as your success depends on your personal effort, dedication, and circumstances.

3. Payments and Refunds

• All payments must be made in full before gaining access to coaching materials or sessions.

• Payments are non-refundable unless I am unable to provide the promised coaching materials or services.

4. Intellectual Property

• All content, materials, and resources provided through my coaching program are for your personal use only.

• You may not share, reproduce, distribute, or sell any of my materials without written permission.

5. Personal Responsibility

• You are responsible for applying what you learn in the coaching program.

• I am not liable for any decisions, actions, or results you experience as part of or after completing the program.

6. Privacy

• Your personal information will be collected and used in accordance with my Privacy Policy.

7. Limitation of Liability

• To the fullest extent permitted by law, I am not liable for any direct, indirect, incidental, or consequential damages resulting from your use of this website or coaching services.

8. Changes to Terms

• I may update these Terms and Conditions at any time. Any changes will be posted on this page, and continued use of my services means you accept the updated terms.

9. Contact

If you have any questions about these Terms and Conditions, please contact me at:
📧 hello@sadiqumar.com