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, as 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 “Enroll”, “Extend Access”, “Agree”, “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. 

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. 

Site Access and Account Registration

To access the site, online courses and/or any product or services offered on the site, you may be asked to provide certain account information and other details. This account information helps us to create and maintain an account for you, which is necessary for providing you the content, customer service, and management that comes with the site; as such, it is a condition of your use of the site that all account information you provide is correct, current, and complete. Your username, password, any other piece of information you provide to us as part of our security procedures (collectively, “Account Information”), you agree to treat such Account Information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your Account Information is personal to you, and you agree not to provide any other person with access to the site using your Account Information. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your Account Information or other personal information. Except as provided herein, you may not transfer your Account Information to any other person and you may not use anyone else’s Account Information or account at any time. In cases where you have nevertheless authorized or registered another person to use your account or view a course that you purchased, or where you have acted negligently in safeguarding your Account Information as set forth above, you agree you are fully responsible for (i) the acts and omissions of such person accessing the site with your Account Information, (ii) controlling the person’s access to and use of the site, and (iii) the consequences of any use or misuse by such person. 

Payments, Refunds and Cancellations

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

b.) Refunds:
Due to the intangible and digital nature of the membership content and services offered, we are unable to offer refunds. By purchasing a monthly premium membership and/or services, 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
If you are subscribed to the premium membership you may cancel your subscription at any time. However, please be advised that we are unable to offer partial or retroactive refunds for membership fees or missing booking appointments for any services. In the case that you change your mind and want to cancel your service appointment, 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, interrupt, modify the purchase price and/or content of any product, service, membership fee 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 purchasing a membership 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 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 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 September 20, 2021.