The following Terms and Conditions (the "Agreement") govern the relationship between you, the participant (the "Client"), and Dawrati Online (the "Offer"), including Dawrati Online and its affiliates, contractors, employees, agents, owners, and assigns (collectively referred to as "Dawrati"). This Agreement becomes effective upon your signature and shall remain in force from the date of signing.

"You," in the context of this Agreement, refers to the individual newly enrolled in the "Dawrati Accelerator" program. All references to "You" shall be interpreted accordingly.

"We," in the context of this Agreement, refers to Coconut-Media Inc., a corporation duly registered in the Province of Ontario, Canada, represented by Sarah Refai the owner and operator of the "Launch Your Course" program. All references to "We" shall be interpreted accordingly.

We reserve the right to amend these Terms and Conditions at any time without prior notice.

1. Program Commitment

By enrolling in this program, you agree to adhere to all guidelines, instructions, and recommendations provided throughout the program duration of six (6) months. You further agree to apply the strategies taught in the program diligently. The program is delivered through pre-recorded lessons, and you are expected to dedicate a minimum of two (2) to three (3) hours daily to achieve optimal results.

2. Disclaimer of Liability

Participation in this program does not guarantee any specific financial outcome or monetary return. Results vary based on individual effort, market conditions, and external factors. You acknowledge that Dawrati has not made any promises, warranties, or guarantees regarding your potential earnings or business success.

The program provides educational training, guidance, and support. However, any business decisions or actions you take are solely your responsibility. The Company is not liable for any losses, damages, or claims arising from the application of the strategies taught in the program. You are advised to seek independent professional advice, including legal, financial, or medical consultation, where necessary.

3. Payment Terms

By providing your credit card or payment information to the Dawrati team, you authorize Dawrati Online to process the payment for the amount indicated in the offer, whether paid in full or in installments (up to a maximum of six (6) payments). You acknowledge and agree that the purchase of this program is final and non-refundable.

The payment does not include any additional services, travel, or expenses beyond what is explicitly stated in the application form associated with these Terms and Conditions. Dawrati Online reserves the right to cancel your access to the training program at any time if you violate these Terms and Conditions. All sales of the Dawrati Accelerator training program are final, and no refunds will be issued after the purchase of this option.

4. Installment Payment Commitment

If you select the installment payment option, you expressly commit to completing all scheduled payments for the "Dawrati Accelerator" program as agreed with the sales department. In the event of a missed or failed payment, you will receive a single written notice as a reminder. Failure to rectify the payment within the specified timeframe will result in the immediate termination of your program access and may expose you to legal action for the recovery of the outstanding balance.

Non-payment of installments does not release you from your financial obligation. You may not make a decision to withdraw from the program after paying any installment, nor may you refuse to pay the remaining installments for any reason.

5. Refund and Withdrawal Policy

You acknowledge and agree that the program fee is non-refundable. By submitting your application and payment, you confirm that you have reviewed all program details, including the curriculum, deliverables, and expected outcomes, prior to enrollment. Based on this review, you made an informed decision to join the program.

Upon enrollment, you may not withdraw from the program or request a refund. If you choose the installment payment option, you are obligated to complete all payments in full. You may not refuse to pay any remaining installments for any reason whatsoever.

6. Communication Consent

By signing this Agreement and providing your credit card information, you consent to receive communications from the Dawrati team via email and telephone. These communications may include information about your account, promotional offers, new products, services, and other relevant updates. This consent shall be considered a standing invitation to receive such communications and is not conditional upon any purchase.

7. Agreement Duration

This Agreement shall remain in effect for a period of one (1) year from the actual start date of your participation in the training program. You understand and agree that you will not receive any services beyond the conclusion of the Agreement. If you request an extension of your program access, additional payments may be required.

8. Agency Restriction

You are not permitted to appoint any person or entity to act as your representative, agent, employee, partner, or affiliate in any dealings with Dawrati.

9. Account Freeze Policy

In the event of unforeseen circumstances beyond your control that prevent you from continuing with the program, you may request to freeze your account. Such requests must be submitted via email to the support team. The minimum freeze period is one (1) month, and the freeze will take effect after the originally scheduled program end date. Upon notification to the team, you may resume your participation under normal conditions.

10. Intellectual Property and Confidentiality

All intellectual property rights, including but not limited to copyrights, trademarks, and trade secrets, associated with this program are the exclusive property of Sara Al-Rafai. The program content is provided to you under a limited, non-transferable license for your personal use only.

You are strictly prohibited from sharing, distributing, reproducing, or disclosing any program materials or content to any third party. Any breach of this confidentiality obligation will be considered a material violation of intellectual property rights and may expose you to legal prosecution and claims for damages.

11. Disclaimer of Responsibility

We disclaim any responsibility for the trainer's demeanor or perceived lack of engagement during the program. We also disclaim any responsibility for your failure to follow through with the program requirements or to achieve the desired results.

The program content is provided for educational purposes only. You are responsible for your own actions, decisions, and outcomes. We are not liable for any indirect, incidental, or consequential damages arising from your participation in the program.

12. Digital Product and Service Acknowledgment

You, the Client, hereby acknowledge and agree to the following:

a) The Dawrati Accelerator Program is a digital product and service consisting of online training modules, pre-recorded video lessons, downloadable resources, and access to a private online community.

b) Upon enrollment and payment, you will receive immediate access to the digital content and program materials. This immediate access constitutes full delivery of the service.

c) Due to the digital nature of the product and the immediate access provided, you understand that the standard "cooling-off" period or right of withdrawal typically applicable to physical goods does not apply to this purchase.

d) You have had the opportunity to review the program description, curriculum outline, and all promotional materials prior to purchase. You confirm that the program has been accurately described and that you are making an informed purchasing decision.

13. Chargeback and Payment Dispute Waiver

THIS SECTION IS OF CRITICAL IMPORTANCE. PLEASE READ CAREFULLY.

Given the digital nature of the services provided and the immediate access granted upon purchase, the Company maintains a strict no-refund policy. By signing this Agreement, you, the Client, explicitly and irrevocably agree to waive your right to initiate a chargeback, payment dispute, or any form of payment reversal with your credit card issuer, bank, or any third-party payment processor (including but not limited to Stripe, PayPal,Tamara, Tabby, or any other payment gateway or "Buy Now, Pay Later" service or any other payment gateway) for any reason whatsoever, including but not limited to:

"Product not as described"

"Product not received"

"Unauthorized transaction"

"Dissatisfaction with the program"

"Change of mind"

"Financial hardship"

By signing this Agreement, you acknowledge and agree to the following:

a) Waiver of Dispute Rights: You waive your right to file a chargeback or payment dispute with your financial institution for any charges related to this program.

b) Authorization to Share Agreement: In the event that a chargeback or dispute is initiated, you authorize the Company to share this signed Agreement, along with any relevant transaction records and proof of service delivery, with the relevant financial institution, payment processor, or arbitration body to demonstrate your prior consent to this waiver and the terms of this Agreement.

c) Invalidation of Dispute Claims: Your signature on this document confirms your understanding and acceptance of the program details, the digital delivery of services, and the no-refund policy. Any dispute claim, such as "product not as described" or "product not received," is hereby invalidated by your acknowledgment in this Agreement.

d) Material Breach: In the event that a chargeback is initiated, regardless of the outcome, you will be considered in material breach of this contract.

e) Recovery of Costs: If a chargeback is initiated and is successful, the Company reserves the right to pursue all available legal remedies to recover:

The full program fee

All legal fees and court costs

Collection agency fees

Administrative costs incurred in responding to the dispute

Any additional damages suffered as a result of the breach

f) Debt Collection: The Company may engage third-party debt collection agencies to recover any amounts owed as a result of a successful chargeback.

g) Credit Reporting: The Company reserves the right to report any unpaid debts resulting from a successful chargeback to credit reporting agencies, which may negatively impact your credit score.

Alternative Dispute Resolution:

Before initiating any chargeback or payment dispute, you agree to first contact the Company directly at the provided support email to attempt to resolve the issue amicably. The Company commits to responding to all inquiries within five (5) business days. If a resolution cannot be reached through direct communication, both parties agree to submit the dispute to binding arbitration in accordance with the laws of the Province of Ontario, Canada.

14. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions. Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

15. Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the remaining provisions of this Agreement, which shall remain in full force and effect.

16. Entire Agreement

This Agreement constitutes the entire agreement between you and the Company with respect to the subject matter hereof and supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written.

17. Acknowledgment and Acceptance

By signing below, you acknowledge and confirm that:

You have read, understood, and agree to all the Terms and Conditions set forth in this Agreement.

You explicitly consent to all provisions of this Agreement, including the no-refund policy and the chargeback waiver clause.

You commit to completing all payments for the "Dawrati" program in full, including any installment payments if applicable.

You commit to maintaining the confidentiality of all program materials and will not share any content with any third party.

You understand that any violation of these Terms and Conditions may result in the termination of your program access and may expose you to legal action.

You acknowledge that this is a digital product with immediate access, and you waive any right to a refund or chargeback.

You agree to contact the Company directly to resolve any issues before initiating any payment dispute with your financial institution.