Terms And Conditions
Please refer below to the terms and conditions regarding the purchase of Prema Joy services
(herein referred to as we or us) products (the "Training Program(s)" or "Course(s)").
1. Accepting These Terms
By signing the agreement, you acknowledge you have read and will abide by the Terms and
Conditions and agree this purchase is a contract between you and us.
After the 3 business days cooling off period, if you no longer wish to attend the course and
want to cancel, a $150 AUD cancellation and admin fee will be charged. The balance of
monies you have paid will be held in credit. Credits cannot be refunded but can be used on
any of our courses or products. This credit will not expire. If there is less than 1 month’s
notice from the course start date, 25% of the total course amount will still be payable.
If you email Hellopj@outlook.com within 3 business days from signing this agreement and
advise us that you wish to cancel, we will refund 100% of the money you have paid to us
within 10 business days. After 3 business days, no refund will be available under any
4. Changing Course Dates
You can transfer your enrolment to a future date with at least 1 month’s notice. If less than 1
month's notice is given, a late postponement fee of $ AU150D is payable immediately.
5. Late Payments
5.1 Late payments may incur a fee of $30 AUD.
5.2 Should you default on this payment for more than 60 days, under the Privacy Act 1988,
Prema Joy can, at its discretion, list information about the default with any credit reporting
agency and refer your details to a debt collection agency to recover the outstanding balance.
5.3 If Payments are not made by the due dates, Courses or Training Programs may be
cancelled and no refund given.
6. Transferring To Another Person
You can transfer your course to another person. We require at least 1 month's notice prior to
course start date, otherwise a late postponement fee of $150 AUD is payable immediately.
7. Paying For A Course Before Attending
Before attending an individual LIVE course, you must pay 100% of the course price a
minimum of 2 weeks before the first day of the course. If you have the discounted paid in full
price, you must pay in full within 1 week of signing this agreement otherwise your price
increases to the payment plan price.
8. Intellectual Property Rights
You agree that you will not distribute or transmit to another person any training program
manuals or online training program access codes. You agree that if you break these
commitments, you will be subject to possible prosecution and be removed from all future
courses, bonuses, support, community groups and email correspondence without refund.
9. Happiness Guarantee
For LIVE training programs: If you attend the entire course in full, have fully participated
and are not completely satisfied, email email@example.com within 24 hours of
completing the final course day and Prema Joy will refund the amount you paid. Each day of
the course must be completed and you must have fully participated in the training program.
This guarantee does not apply if you change your mind or are not able to attend the course.
Refunds do not apply to LIVE training programs you may have received as a bonus, gift,
transfer or course credit.
For ON DEMAND training programs: You will be emailed your login details within 5
working days of the agreed payment being received. It is your responsibility to contact us if
you have not received your login.
If you are not satisfied with the ON DEMAND program, you have 14 calendar days from the
date your login details were sent to you (not the date you open the email), to email
Hellopjoy@outlook.com and receive a full refund. Refunds do not apply to ON-DEMAND
courses you may have received as a bonus, gift, transfer or course credit.
After 14 calendar days, there will be no refunds and the course will still need to be paid for in
full. This is regardless of whether you have logged in to use the program or not. Refunds do
not apply for any training programs you received as a bonus.
10. Access To The Program, Inclusions & Bonuses
10.1 You have 3 years to attend the course from the date of signing this agreement (assuming
the course is still being run). If you receive a bonus re-attendance pass, you have 3 years to
re-attend the course from the date you first attended the course (assuming the course is still
10.2 To access online training programs, you must be on a standard payment plan without
missing any payments OR have an approved extended payment plan and have paid at least
10.3 When delivering The Course, we may change or cancel course days, hours, speakers or
locations for any reason by notifying you in writing (note: this has never occurred in the
history of my Company but is here in case of emergencies). We shall have no liability to you;
and you shall make no claim against us (including refunds), in respect of the same.
10.6 We may cancel the Training Program for any reason by written notice to you. We will
then refund you the Investment you have paid us within 7 days of giving you notice of
cancellation. We shall have no further liability to you in respect of cancellation.
11. Limitation of Liability
You agree to limit any claim on Prema Joy to the cost of the products or services purchased.
This includes any loss or damage suffered by you in relation to the performance of the
products or services purchased under this agreement.
LEGAL DISCLAIMER – PREMA JOY
These Programs and services are powerful and energizing and provide life-changing tools for
transformation, however it is not intended to be a substitute for medical care and is not replacing
professional psychiatric help. Prema Joy is not a licensed medical practitioner. As such by continuing
this program or service you agree to the following;-
1. I agree to release, indemnify and hold harmless Prema Joy, representatives, and employees
for any loss or damage I, or my clients, may suffer in any way associated with my
participation in training programs or through the use of tools and techniques taught or
2. I know of no reason, nor have I been informed by my doctor, psychologist or psychiatrist of
any reason, why my participation in this program would do me harm in any nature. If this
does not accurately reflect my situation, I agree that I will notify Prema Joy before
continuing the program.
3. I acknowledge that all information presented in the program by the facilitator has been
obtained solely from their own experiences through education and as a participant of life
changing situations and is referred to or provided as general information only. I will require
further research to identify its application or modification or its appropriateness to my
specific requirements. It is referred to or provided by way of example only and is not
intended to be, nor is it accepted as specific advice or replacing professional