FDVedanta Terms, Privacy and Refund Policy
Effective Date: 3 September 2026
1. Introduction
Welcome to FDVedanta ("FDVedanta", "we", "us" or "our").
These Terms, Privacy and Refund Policy govern your participation in FDVedanta events, workshops, retreats, coaching services, mentoring programmes, online courses, and related services.
By registering for an event, purchasing a programme, engaging coaching services, or using our website, you agree to these terms.
These terms are governed by the laws of the Republic of South Africa, including the Consumer Protection Act 68 of 2008 (CPA) and the Protection of Personal Information Act 4 of 2013 (POPIA).
2. Services
FDVedanta provides services which may include:
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Individual coaching
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Group coaching programmes
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Workshops
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Retreats
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Seminars
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Online training
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Educational resources and materials
All coaching, mentoring and educational services are provided for personal growth and development purposes and do not constitute legal, financial, medical, psychiatric or professional advice.
3. Registration and Payment
Full payment may be required before attendance at an event or commencement of coaching services.
FDVedanta reserves the right to refuse participation where payment has not been received.
4. Refund Policy
4.1 Events, Workshops and Retreats
Cancellation More Than 30 Days Before Event
A participant may request a refund of 90% of fees paid. A 10% administration fee may be retained to cover booking and processing costs.
Cancellation Between 15 and 30 Days Before Event
A refund of 50% of the fees paid may be granted.
Cancellation Less Than 15 Days Before Event
No refund will be payable.
Non-Attendance
Failure to attend an event does not qualify for a refund.
Registration Transfer
At FDVedanta's discretion, registration may be transferred to another person or future event if requested in writing before the event date.
4.2 Individual Coaching Sessions
Clients may reschedule a booked appointment by providing at least 48 hours' notice.
Where less than 48 hours' notice is given:
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The session will be considered used.
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No refund will be provided.
Failure to attend a scheduled session without notice will be treated as a no-show and is non-refundable.
4.3 Coaching Packages and Programmes
Where a coaching package includes multiple sessions:
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Completed sessions remain payable and non-refundable.
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Refunds may be considered only for unused sessions.
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Any approved refund will be calculated after deducting the value of sessions already delivered and reasonable administrative costs.
4.4 Online Courses and Digital Products
Because digital materials become immediately accessible upon purchase:
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No refund will generally be available after access has been provided.
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Exceptions may apply where required by South African law.
4.5 Cancellation by FDVedanta
If FDVedanta cancels an event or programme, participants may choose:
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A full refund; or
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Transfer to a future programme, course, workshop or event.
FDVedanta is not responsible for travel, accommodation, visa, transport or related expenses incurred by participants.
4.6 Special Circumstances
Medical emergencies, family emergencies and other exceptional circumstances may be reviewed individually.
Supporting documentation may be requested.
5. Consumer Rights
Nothing in these terms limits any consumer rights under the Consumer Protection Act or any other applicable South African legislation.
Where mandatory legal rights conflict with any provision of this policy, the applicable law shall prevail.
6. Privacy Policy
6.1 Commitment to Privacy
FDVedanta respects your right to privacy and processes personal information in accordance with POPIA.
6.2 Information We Collect
We may collect:
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Name and surname
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Email address
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Contact number
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Physical address
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Payment information
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Event registration information
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Coaching information voluntarily disclosed by you
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Website usage data
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Communication records
6.3 Why We Collect Information
We use personal information to:
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Deliver coaching services
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Manage event attendance
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Process payments
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Issue invoices
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Communicate programme updates
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Respond to enquiries
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Send newsletters and marketing material where consent has been obtained
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Comply with legal obligations
6.4 Protection of Information
FDVedanta takes reasonable technical and organisational measures to protect information from:
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Unauthorised access
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Loss
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Misuse
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Disclosure
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Alteration
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Destruction
6.5 Sharing of Information
We may share information with:
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Payment processors
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Event management platforms
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Cloud storage providers
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Professional advisers
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Government and regulatory authorities where legally required
We do not sell personal information to third parties.
6.6 Retention of Information
Personal information will be retained only for as long as required:
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To provide services
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To meet legal obligations
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To resolve disputes
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To enforce agreements
6.7 Your Rights
You may:
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Request access to your information
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Request correction of inaccurate information
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Object to certain processing activities
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Withdraw consent where applicable
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Request deletion where legally permissible
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Lodge a complaint with the Information Regulator of South Africa
7. Intellectual Property
All course materials, presentations, recordings, worksheets, manuals, and content supplied by FDVedanta remain the intellectual property of FDVedanta unless otherwise stated.
Participants may not:
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Copy
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Record
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Reproduce
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Publish
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Sell
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Distribute
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Share
any materials without prior written consent.
8. Recording of Events
FDVedanta may photograph or record events for educational, marketing and archival purposes.
Participants consent to reasonable use of such recordings unless written objection is submitted prior to the event.
9. Limitation of Liability
To the fullest extent permitted by law:
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Participation in coaching and events is voluntary.
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Individuals remain responsible for their own decisions and actions.
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FDVedanta shall not be liable for indirect, consequential or incidental damages arising from participation in any coaching, programme or event.
Nothing in these terms excludes liability where exclusion is prohibited by law.
10. Complaints and Disputes
Any complaint should first be submitted in writing to:
FDVedanta Email: info@fdvedanta.co.za Phone: 082 885 1689
We will endeavour to resolve complaints fairly and promptly.
11. Contact Information
FDVedanta Business Address: Cape Town, South Africa
Email: info@fdvedanta.co.za
Phone: 082 885 1689
Website: www.fdvedanta.co.za
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