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Are there any benefits for first-time customers?

Yes.
Some Free Products and Services with T & C also 25% discount on lump sum fee in Education Category.

Do you have a customer referral program?

Not yet .
But we are working on it.

What if I am not satisfied with UNIVERSAL PRODUCTS (Education, Nutrition & Ad)?

15 days money back promise but products / services should be unused with some other T & C