TERMS OF SERVICE

Introduction

When you visit, view, use, or access the website LubomiraKourteva.com and any applicable subdomains thereof, or any applications, mobile applications, functionalities, content, materials, whether as a guest or a registered member, you’re agreeing to the following terms of service. These terms of service may be amended from time to time, together with any documents, policies, or terms they incorporate by reference. For purposes of these terms of service, “you” includes, individually and collectively, you (the user or Customer) and any individual or affiliate that is visiting, viewing, using, or accessing the site. You acknowledge and agree that by (i) visiting, viewing, using, or accessing the site, (ii) clicking “Extend Access”, “Agree”, “Order”, “Book”, “Complete Payment”, “Purchase”, “Submit”, any similar links, or other agreement incorporating these terms of service, that you have read, understand, and agree to be bound by these terms of service, irrespective of whether you are a guest or a registered user of the site. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, THEN YOU MAY NOT ACCESS OR USE THE SITE. 

Art of Love Content

The content provided on the website and in the articles is provided for information purposes only and it is not a substitute for professional advice and customized consultation, including professional medical advice and consultation. It is provided with the understanding that Art of Love and Lubomira Kourteva are not engaged in the provision or rendering of medical advice or services. You understand and agree that Art of Love and Lubomira Kourteva shall not be liable for any claim, loss, or damage arising out of the use of, or reliance upon any content or information in the article.

Lubomira Kourteva is not a medical professional nor a mental health provider and is not holding herself to be that in any capacity. Lubomira Kourteva is not providing medical or mental health counselling or therapy services, nor is she attempting to diagnose, treat or cure any physical or mental ailment. Any choices and/or consequences arising from your actions after reading content on this website are completely your own.

Sessions and Services

The readings and sessions offered by Lubomira Kourteva are not a substitute for medical help. Lubomira Kourteva is not a medical professional nor a mental health provider, nor is she attempting to diagnose, treat or cure any physical or mental ailment. Lubomira Kourteva is a spiritual guide and mentor who assists you in gaining more self-awareness in reaching your own goals through personal accountability and guidance. 

Lubomira Kourteva reserves the right to decline purchased readings, sessions and/or not to work with every client who orders a session or reading from the website. If she is unable to proceed with a session or reading due to time demands or constraints, or feels that it will not be of mutual benefit to work together with a client, she will refund the money through Paypal. Aside from that, there are no refunds and no cancellations once a service or reading has been purchased.     

Privacy Policy

Your privacy is important to us, and we are committed to protecting your personal information. Any personal information submitted in connection with your use of the site is subject to privacy policy and your information is not shared with outside sources. We will only use information about you that we obtain either directly from you or that we obtain by nature of your use of the site solely in furtherance of providing you better and improving the site. 

Ability to Use the Services

In order to accept this Agreement and to use the Services, you must be at least 18 years of age, or if you have parental consent, at least 15 years of age in Australia or 13 years of age in all other Authorized Jurisdictions (“Minimum Age”). The Services are not intended for users under the Minimum Age. You hereby affirmatively represent that (a) you are at least the Minimum Age in the applicable Authorized Jurisdiction; (b) you have the consent of your parent(s) to use the Services if you are under 18 years of age; (c) you have all the applicable rights and authority to grant us the rights granted herein; and (d) you have read, understood, and agree to be bound by this Agreement. If you are not at least the Minimum Age, do not have parental consent, or you do not agree to all the terms and conditions of this Agreement, you may not use the Services. 

Payments, Refunds and Cancellations

a.) Payments:
Payment must be made in full at the time of purchase in order to access products, book services and/or readings. We are unable to offer “split” or delayed payments of any kind. At this current time we accept Paypal only as it provides users and clients additional privacy.

b.) Refunds:
Due to the intangible nature of the content, readings and services offered, we are unable to offer refunds. By purchasing a session, product, reading and/service, you understand and agree that all purchases are final. In the case that you change your mind about booking a service, we will not be able to offer a refund, but you are welcome to re-book and re-schedule in the future at no additional cost.

c.) Cancellations:
In the case that you change your mind and want to cancel your purchase, service or reading, no refund will be issued, however, you are welcome to re-book and re-schedule in the future at no additional cost, as your payment would have already been made.

Content Modification

We reserve the right to cancel, change, modify the purchase price and/or content of any product, service, or online course. All services, products and courses offered on this site are subject to the Disclaimers stated below. 

Warranty Disclaimer

THE SERVICES, COMPANY CONTENT, SUBMITTED CONTENT, COURSES, AND ANY OTHER MATERIALS MADE AVAILABLE ON OR THROUGH THE USE OF THE SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, UDEMY AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS AND AGENTS, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON- INFRINGEMENT, ACCURACY, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. UDEMY AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES, THE SUBMISSIONS, THE SERVER(S) ON WHICH THE SERVICES ARE HOSTED, OR ANY SERVICES AVAILABLE ON ANY THIRD PARTY PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO OPINION, ADVICE OR STATEMENT OF UDEMY OR ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AGENTS, MEMBERS OR VISITORS, WHETHER MADE THROUGH THE USE OF THE SERVICES, OR ON THIRD PARTY PLATFORMS OR OTHERWISE, SHALL CREATE ANY WARRANTY. YOUR USE OF THE SERVICES, INCLUDING WITHOUT LIMITATION ANY SERVICES PROVIDED ON ANY THIRD PARTY PLATFORM, ARE ENTIRELY AT YOUR OWN RISK. 

Disclaimer and Indemnity

a.) Disclaimer:
By reading content on the website, and/or purchasing a reading, product, course, lecture and/or service from this site, you agree that any material and content contained within and/or the Q&A is subject to your own interpretation and that any information you receive or interpret does not constitute legal, psychological, medical, business or financial advice. You agree that choices and/or actions based on any information contained within the content is your responsibility. You agree to not take the advice given in lieu of medical, legal, or professional advice. Any action you take as a consequence of purchasing/enrolling in a service, course or membership offered on this site is solely your responsibility. Any information on this site should not replace your physician’s advice. Always check with your personal physician, financial advisor or lawyer before taking any action regarding your health or financial situation.

b.) Indemnity:
You agree to defend, indemnify and hold harmless Lubomira Kourteva, its licensors, independent contractors, providers, subsidiaries, and affiliates, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) (hereinafter, “Claims”) arising out of or relating to: (i) your violation of these terms of service, (ii) your user content or feedback posted to the site; (iii) any use by you of the course material, content, services, or products other than as expressly authorized in these terms of service; or (iv) your use of any information obtained from the site.

Termination Policy

You agree that we may limit and/or restrict your access and/or deactivate your membership, account and/or any future course enrollment if we believe that you have (a) breached these terms of service; (b) infringed the intellectual property rights of a third party; (c) posted, uploaded or transmitted unauthorized user content or engaged in offensive, bullying statement; or (d) violated or acted inconsistently with these terms of service, or any other applicable code of conduct and moral ethic. You agree that any such restriction, deactivation or termination for the foregoing reasons may be effected without prior notice to you and that Lubomira Kourteva will not be liable to you or any third party for any deactivation of your account or termination. 

Copyright and Trademark Policy

No part of this site may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher. Our registered or unregistered Trademarks are protected pursuant to U.S., Canada and foreign trademark laws. You may not alter or obscure the Trademarks, or link to them without Our prior approval. Both the terms of service and this copyright policy are legally binding on all users. 

This page was last updated on April 7, 2022.