Terms & Conditions

These Terms and Conditions govern your use of SAJAG Life Academy, a platform owned and operated by Subject Life Limited, a company registered in New Zealand.

These Terms are governed by the laws of New Zealand, without limiting any mandatory consumer rights applicable to customers in other jurisdictions.

Please read them carefully.

Effective Date: 20 October 2026 · Website: https://sajaglifeacademy.com

1. About SAJAG Life Academy

SAJAG Life Academy is a conscious living education and personal development platform founded by Jay Bhati.

Our mission is to bring the deeper wisdom of yoga into everyday life through practical education, self-awareness, mindfulness, discipline, and conscious living.

Our offerings may include:

• Free workshops and masterclasses
• Online learning programs
• Silver, Gold, and Diamond memberships
• Group coaching and community discussions
• Mindfulness and personal development resources
• Challenges, assignments, and certification programs

2. Eligibility and Account Registration

You agree to provide accurate and current information when registering for our services.

You are responsible for:

• Maintaining the confidentiality of your account details.
• Ensuring your account is used only by you.
• Providing accurate registration and billing information.
• Following our community guidelines.

Individuals under 18 must have appropriate parent or guardian consent where required.

We reserve the right to suspend or terminate accounts where these Terms are materially violated, subject to applicable law.

3. Courses and Memberships

SAJAG Life Academy may offer different levels of access, including Silver, Gold, and Diamond.

Silver Membership

Silver provides access to the educational materials, learning resources, community features, and activities described on the membership page at the time of purchase.

Where Silver is advertised as lifetime access, this means ongoing access for the lifetime of the applicable program or platform, subject to these Terms and any clearly disclosed conditions at purchase.

We will not arbitrarily withdraw a promised lifetime entitlement. If a program is permanently discontinued, we will comply with any applicable consumer rights and obligations.

Gold Membership

Gold is an advanced learning and personal development program. Applications and enrolments may be subject to availability, eligibility, and program-specific conditions.

Diamond Certification

Diamond is an advanced education, leadership, and certification pathway. Acceptance may be subject to an application and assessment process.

Joining a waitlist does not guarantee admission or a place in a future intake.

The exact inclusions, fees, duration, and access conditions for each program will be presented before purchase or enrolment.

4. Payments and Pricing

All prices are displayed on the relevant website page or checkout.

Before completing a purchase, you should review:

• The total price and currency.
• Whether the payment is one-time or recurring.
• What is included in the purchase.
• The applicable access period.
• Any additional program-specific conditions.

Payments are processed through the payment providers available at checkout.

We may update prices or introduce promotional offers. Price changes will not retrospectively change the amount already paid for a completed purchase.

We will not initiate recurring charges unless the applicable billing arrangement has been clearly disclosed and authorized.

5. Cancellations and Refunds

We want participants to make informed purchasing decisions.

Please review the course or membership description before completing payment.

Change of mind

For digital courses and memberships where access is provided promptly after purchase, change-of-mind refunds are not automatically offered unless an applicable offer or refund policy says otherwise.

Service problems

If purchased content or services are materially defective, significantly misrepresented, or not provided as agreed, you may be entitled to a repair, replacement, refund, cancellation, or other remedy under applicable consumer law.

Live programs

Cancellation, rescheduling, or refund conditions for specific live workshops, coaching programs, or certification intakes will be disclosed at registration or checkout where relevant.

How to request assistance

Contact connect@sajaglifeacademy.com with your purchase details and the reason for your request.

Nothing in these Terms limits or excludes consumer rights that cannot lawfully be excluded.

6. Educational and Well-being Disclaimer

SAJAG Life Academy provides educational information and personal development practices.

Our courses, workshops, coaching, mindfulness exercises, breathing practices, and yogic philosophy teachings are designed for general learning and personal growth.

They are not substitutes for:

• Medical diagnosis or treatment.
• Professional mental health care.
• Psychological or psychiatric treatment.
• Emergency health services.
• Personal financial or legal advice.

You should consult an appropriately qualified professional before undertaking practices that may affect your health, particularly if you have an existing medical condition or concern.

Stop any physical or breathing practice that causes discomfort, dizziness, pain, or distress, and seek professional guidance where appropriate.

7. No Guaranteed Results

Every individual's circumstances, commitment, consistency, and experiences are different.

Although our programs aim to develop awareness, emotional resilience, discipline, clarity, and personal growth, we do not guarantee any particular physical, emotional, financial, professional, or spiritual outcome.

Testimonials and success stories illustrate individual experiences and should not be interpreted as guaranteed results.

8. Intellectual Property

Unless otherwise stated, course videos, written lessons, workbooks, worksheets, PDFs, recordings, presentations, website content, branding, and other original learning materials are owned by SAJAG Life Academy or used with appropriate permission.

Purchasing a program grants you a limited, personal, non-exclusive, non-transferable licence to access and use its materials for your own learning.

Without prior written permission, you may not:

• Resell or commercially distribute our materials.
• Reproduce substantial portions of paid courses for redistribution.
• Upload paid course materials to public platforms.
• Share paid account access with others.
• Represent our original materials as your own.
• Use our brand, logo, or course materials to promote an unauthorized service.

Nothing in this section restricts rights granted by applicable law.

9. Community Guidelines

Our community exists to support respectful learning, personal development, and shared growth.

By participating, you agree to:

1. Treat other members with dignity and respect.
2. Respect the privacy of personal experiences shared by others.
3. Avoid harassment, discrimination, bullying, and abusive behaviour.
4. Avoid unsolicited advertising, spam, or promotion.
5. Refrain from giving misleading medical, mental health, or professional advice.
6. Respect differences in beliefs, experiences, and perspectives.
7. Participate responsibly and constructively.

We may moderate or remove content that violates these guidelines and, where justified, restrict community access.

Any action affecting purchased access will be handled fairly and in accordance with applicable law.

10. Coaching Sessions and Live Events

Live sessions, workshops, webinars, and community calls may be subject to scheduling and availability.

We may reasonably modify session dates, speakers, formats, or delivery arrangements when necessary.

If a material change prevents us from providing a paid service as agreed, we will offer an appropriate remedy consistent with applicable consumer law.

Recording arrangements will be communicated where relevant. Participants must not record or publicly distribute private sessions without appropriate permission.

11. Certifications and Achievements

SAJAG Life Academy may issue completion certificates, digital badges, awards, or achievement recognition to eligible participants.

These may require completion of specified lessons, assessments, assignments, challenges, or other program requirements.

Unless explicitly stated otherwise, SAJAG certificates represent completion or achievement within SAJAG Life Academy programs.

They do not automatically constitute government-recognized qualifications, professional licences, or accreditation from an external education authority.

12. Acceptable Website Use

You agree not to:

• Access another person's account without authorization.
• Attempt to compromise website security.
• Disrupt the operation of our learning platform.
• Upload malware, harmful code, or prohibited content.
• Misuse our website for unlawful activities.
• Interfere with other members' access or participation.

13. Third-Party Services

Our services may rely on third-party providers for payment processing, video conferencing, course hosting, communications, and other functions.

These providers may have their own terms and policies.

We are not responsible for independent third-party services outside our reasonable control, but this does not limit our legal obligations regarding the services we sell or provide.

14. Availability and Technical Issues

We aim to maintain reliable access to our website and online learning services.

However, temporary interruptions may occur due to maintenance, technical problems, network issues, or circumstances outside our reasonable control.

We will take reasonable steps to address significant service interruptions.

Nothing in these Terms removes applicable rights to remedies where services fail to meet legal or contractual requirements.

15. Limitation of Liability

To the maximum extent permitted by applicable law, SAJAG Life Academy is not liable for indirect or consequential losses arising from the use of our educational services where liability may lawfully be limited.

Nothing in these Terms excludes or restricts liability that cannot legally be excluded, including applicable statutory consumer guarantees.

16. Privacy

Your use of our services is also subject to our Privacy Policy.

Please review our Privacy Policy to understand how personal information is collected, used, and protected.

17. Changes to These Terms

We may update these Terms to reflect changes in our services, business operations, or applicable legal requirements.

The latest version will be published on our website.

Material changes affecting existing paid entitlements will be communicated where legally required and will not be used to unfairly remove rights already acquired.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of New Zealand, subject to any mandatory consumer protection rights that apply in a customer's jurisdiction.

If you have a complaint or dispute, please contact us first so we have an opportunity to resolve the issue fairly.

Nothing in these Terms prevents you from exercising your rights under applicable consumer law or accessing an appropriate statutory dispute resolution process.

19. Contact Information

For questions concerning these Terms and Conditions, payments, memberships, or access to services, contact:

SAJAG Life Academy

Email: connect@sajaglifeacademy.com

Website: https://sajaglifeacademy.com

Our Philosophy

At SAJAG Life Academy, we believe that lasting personal transformation comes from awareness, consistent practice, personal responsibility, and conscious action.

Our learning environment is built on mutual respect, integrity, and a shared commitment to growth.