TERMS AND CONDITIONS

Effective Date: 19/06/2024

Welcome to CXpro.me (Site).
This Site is owned and operated by Ralitsa Zaharieva (referred to in these terms as “cxpro.me" “I”, “me”, and “my”). Please take the time to read the terms of use (“Terms”) that apply to your use and enjoyment of this Site and the content made available to you via this Site and my social media channels. These Terms together with my Privacy Policy apply to all Site visitors, subscribers, customers, and all other users of the Site (“user”, “you” and “your”). 

CONSENT TO SITE TERMS
By accessing and using this Site, my social media channels and any other materials made available to you or provided to you on this Site, whether made available for purchase or not, you are taken to accept my Terms. 

NO MINORS
By using the Site, accessing or purchasing any products or services, you warrant that you:

• are over 18 years of age and have the legal capacity to enter into a legally binding contract;

• have read and accepted these Terms; and

• will comply with these Terms.

CHANGES TO THESE TERMS
I reserve the right to change or modify these Terms at any time consistent with applicable laws and principles, without notice to you. These changes will be effective as of the date I post the revised version on this Site. It is your responsibility to review these Terms before use and periodically throughout your use of my Site and services. If at any time you choose not to accept these Terms, you should not use this Site.

By remaining on this Site and your continued use of this Site is deemed acceptance of any modifications or amendment of these Terms. You may also accept these terms where you click “Subscribe” or “Agree” or “Accept” or “Buy” or “Get” where such an option is made available to you during your use of the Site. If you are uncertain about the Terms or anything else on my Site, please do not hesitate to contact me before completing any purchase.
 
INTELLECTUAL PROPERTY
The Site, products and services contain intellectual property owned by me and/or by third parties that license the content to me (“Third-Party Licensed Intellectual Property”), including, without limitation, trademarks, copyrights, proprietary information, designs, patents and other intellectual property rights, as well as the business name, logo, images. all designs, text, videos, audio files, graphics, other files, and software (“Content”). Your use of the Site, the products and/or the services and access to any Content does not grant or transfer any rights, title or interest to you in relation to this Site, the products and/or the services or the content.

NO COMMERCIAL USE

You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce or perform, or in any way exploit in any format whatsoever the Site, the products and/or services or the Content, my Intellectual Property and Third-Party Licensed Intellectual Property in whole or in part without my prior written consent. I reserve the right to immediately remove your access to my Site, products and services, and Content, without refund, if you are found to be violating these Terms. 

FEE AND PAID CONTENT
Where you download or purchase my digital products (including checklists, guides, ebooks, workbooks, video or audio content) (Digital Products) you are granted a non-exclusive, non-transferable, limited licence to access and use the Digital Products for your own personal use. You may not assign or transfer the Digital Products to any other person without my express written consent. I reserve the right, in my sole discretion, to accept or refuse to provide the products and/or services to you at any time for any reason.

Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, sell, create derivative works of, enhance or in any way exploit any of the Digital Products in any manner whatsoever except as authorised by me.

LINKS TO OTHER WEBSITES
My Site and social media channels may have links to other sites operated by third parties. Unless I expressly tell you otherwise, I do not in any way, endorse, control or approve of and nor am I responsible for the content on those websites. It’s up to you to decide if those websites and their content work for you, and I recommend that you investigate and do your homework to find that out.

PRIVACY
These Terms also include my Privacy Policy which sets out how I use your personal information, which can be accessed here. By using this Site, you consent to the processing described in the Privacy Policy and warrant that all data provided by you is accurate.

CREATING AN ACCOUNT
To place orders and access some features of the Site, you may have to register an account. This means you’ll have to give me accurate information including your name, address, a valid email address and telephone number and you must be at least 18 years old. You warrant that any information you provide during the account set up process is accurate and correct at the time you provide the information and that you’ll update information should there be any changes to the information provided. You will be solely responsible for the activity that occurs on your account (including orders placed on your account) so you agree to keep your account password secure. 

I reserve the right to suspend or cancel your account at any time, at my sole discretion, if you breach any provision of the Terms or applicable law or where your conduct impacts my reputation. 

DIGITAL PRODUCTS
Upon purchase of a downloadable product from this Site, you will receive either an email with a link to complete the purchase of your product including, where applicable, or a direct download for your product.

Products may be available on this Site without a need to purchase or download them. You agree and accept full responsibility and risk for downloading and using these products. You agree that you will indemnify and hold harmless I and all my related entities and personnel, against liability for any harm or loss caused by the downloading and use of these products.

You agree that it is your responsibility to ensure that you have the appropriate programs and hardware available to access and use the downloadable products and that this is not a reason for which I can offer a refund.

Due to the nature of Digital Products, any orders received and processed by mr for Digital Products available to be purchased online have a strict no refund policy. Where I send the wrong Digital Product I will send you the correct Digital Product and where the link provided to download is not working, I will send you the Digital Product direct or via a revised link at no extra cost.

PRICES AND PAYMENT
All prices are as advertised on the Site and are inclusive of any Bulgarian Goods and Services Tax (VAT/GST) (as applicable). The prices indicated on the Site may change at any time without advance notice to you. If you’ve purchased my products or services, it will be charged at the price in force at the time a customer’s order is validated. 

I reserve the right at any time to modify or discontinue the product or service without notice at any time. I shall not be liable to you, or to a third party for any modification, price change, suspension or discontinuance of the product or service.

I may from time to time provide discounted products and/or services. You may only use one discount code with each purchase. I reserve the right to reject or cancel any orders where you add more than one discount code. I allow you to use discount codes strictly on the terms and conditions upon which they were issued which, amongst other things, may include terms relating to your eligibility to use them and a maximum order value. Discount codes and/or vouchers cannot be used in conjunction with any other offer or promotion.

I offer visitors who want to purchase from my Site the option to pay for the products and/or services by credit card or such other method of payment as notified by me from time to time. You acknowledge and agree to make timely and full payments to me for the products and/or services purchased. Where you use a credit card, you warrant that you have the necessary rights and authority to use that credit card. You authorise me to automatically charge the credit card on file for any payment balances owed and agree to keep all billing information current at all times. Where you fail to make payment or payment is declined for any reason, I may revoke your access to the products. 

INSTALMENT PAYMENTS
Payments may be made as set out on my Site and must be made upfront unless it is specifically stated that you may pay in instalments. If you choose to pay in instalments, you consent to your chosen payment method being charged in accordance with the instalment payment plan as set out on the Site. You warrant that these payment details are correct and that you have the required authority or permission to allow us to make these charges.

REFUNDS
Refunds are offered only where required under Bulgarian Consumer Protection Act, at my sole discretion, or otherwise in accordance with the information provided on the Site or in these terms and conditions.

Where there are requirements or criteria to be able to receive a refund, the decision regarding this refund remains in my sole discretion.

RECURRING PAYMENTS
My monthly membership provides you with an ongoing recurring subscription to the Site. By joining my monthly membership, you understand that your card will be charged each month on your anniversary date until you or I cancel your membership.

You also acknowledge that you are responsible for any missed or failed payments due to cancelled, changed, or altered payment information that I am not made aware of. Failure to pay does not cancel your obligations under the membership, and if your monthly payment cannot be processed, you will be required to pay the outstanding amount. Until the amount is paid, your membership may be suspended. If the amount is not paid within a reasonable period, I reserve the right to collect any payments due to me through a third-party debt collector.

Should you wish to cancel your membership, you may do so by selecting the relevant setting in the “Account Settings” section of my website, or by contacting insights@cxpro.me. You acknowledge that cancellation of your membership will take at least 3 days to process and that any payments that are due to be processed during the cancellation period will not be refundable.

MEMBERSHIP CODE OF CONDUCT
If you hold a membership with me, you agree that you will not share your login details such as your username and password, or any secure link with anyone for any reason. You acknowledge that neither access to the membership nor any of its content is permitted to be sold without my prior written consent.

Use of content, unless otherwise indicated, is for your own personal use. Content may not be distributed in any way or used for public display or performance without my prior written consent.

ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES
You acknowledge and agree that you will be bound by any affirmation, acceptance or agreement that is transmitted through this Site, including but not limited to any consent you provide to receive communications from me solely through electronic transmission. You further acknowledge and agree that when you click on or tick “I agree”, “I consent”, “I subscribe” or other similarly worded click or tick options by electronic means using an electronic device such as your mobile phone, tablet, desktop, laptop or any other device capable of allowing you to click or tick, your agreement and/or consent and/or subscription will be legally binding and enforceable and will be deemed to be as effective as if you had written your signature by hand.

INFORMATION AND ADVICE
My Site may have articles and content that is of a general nature and is not intended to constitute or replace professional advice for individual or specific situations and does not take into account your specific needs or circumstances. The information contained on the Site is not a substitute for obtaining advice specific to your circumstances from a qualified professional. I do not accept responsibility for determining whether my products and/or services are appropriate for you, I reserve the right to deny service and refund the cost of that product and/or service for any reason including where I believe that the product and/or service would be dangerous or would not be appropriate for you, or I believe that further professional advice should be sought. 

I do my best to ensure that the colours of any products are accurately displayed, please note, that on occasion the colour on my Site may seem different, depending on the device you use this can be for a number of reasons which are outside of my reasonable control, and may not accurately reflect the colour of the product.

By referencing or referring to anything on my Site including products or services, programs, courses, any processes or other information, this does not constitute or imply my endorsement, sponsorship or recommendation in any way.

EVENTS
I may, from time to time, run events. You consent that I may capture (including by photograph or video) any participation in any type of event that may be run by me. You acknowledge and agree that I can use content captured at these events at my sole discretion, including to advertise or promote the business.

You may be required to specifically sign a waiver or consent form to acknowledge your acceptance of these terms and that may be required to agree to other Additional Terms in order to participate in the event.

SUBMITTING CONTENT TO SITE AND SOCIAL MEDIA
I always appreciate interaction on my social media channels and feedback about my Site, products and services, as it helps me to improve my Site and my products and services. Through the use of this Site, you may be invited to submit a review. You can also comment on my blog or other parts of my Site or interact with me via my social media channels. I love to hear from you! 

Where you do decide to submit such feedback or comments, you warrant that:

• you are the sole author and owner of the intellectual property and any other rights in that content (or have the right to use that content with appropriate consents and permissions);

• you permit me to post or otherwise use that feedback on my social media or other channels;

• you waive any and all existing and future moral rights (as defined in the Copyright Act 1993 (BG)) in the content you provide me;

• the content does not violate these Terms; and 

• you are at least 18 years old.

I reserve the right to remove a review or comment if such review or comment contains:

• libellous or otherwise unlawful, abusive or obscene material; 

• attacks my employees or another contributor; 

• contains material that discloses your personal information; or 

• is unrelated to the post or content to which you have reviewed or commented on.

My Site and social media channels may feature user reviews of the products and/or services as well as blogs by guest bloggers, these reviews and content of the guest blogs in no way represent the views or opinions of cxpro.me or its owners, shareholders, employees or others, but are the sole product of its creator. I disclaim all liability with respect to any content submitted by the user or guest blogger.

COMPETITIONS
I may from time to time run competitions through this Site and/or through my social media channels. Your participation in those competitions is subject to these Terms and any terms and conditions that are specific to each competition. 

TESTIMONIALS
On my Site, I present real-life examples and insights of other people’s experiences for illustration purposes only and any results personally achieved are due to the individuals themselves. These testimonials show users what can be possible but are not intended to represent or guarantee that any current or future users of my programs, courses, products and/or services will achieve the same or similar results. 

PROHIBITED USE
In addition to any other prohibitions, you must not, under any circumstances use the Site or its content: 

• for any unlawful purpose; 

• to solicit others to perform or participate in any unlawful acts; 

• to violate any international, or government regulations, rules, laws, or local ordinances;

• attempt to change, remove, deface, hack or otherwise interfere with this Site or any material or content displayed on the Site; 

• hack into any aspect of the Service, corrupt data, or annoy other users; 

• infringe upon the rights of any other person's proprietary rights; 

• send any unsolicited advertising or promotional material, commonly referred to as “spam”; or 

• attempt to affect the performance or functionality of any computer facilities of or accessed through this Site.

WARRANTIES AND DISCLAIMERS
This Site is provided on an “as is” and “as available” basis and to the fullest extent permitted by law I make no representations or warranties about my Site and/or the products or services including that:

• they are suitable, reliable, complete, secure, accurate or fit for any particular purpose;

• access will be free of any harmful components (including viruses) or other code that is harmful or may assist in causing harm; or 

• there is no possibility of failure to store communications or other data. 

LIMITATION OF LIABILITY
To the fullest extent permitted by applicable laws, in no event am I, any of my subsidiaries collaborators, or any of their shareholders, directors, officers, employees or licensors responsible for any losses and expenses, however arising, including without limitation, any direct, indirect and/or present, unascertained, future or contingent, loss of use, loss of data, loss caused by a virus, loss of income or profit or projected profit, loss or damage to property, claims of third parties, or other losses of any kind or character arising from or in connection with your use of my Site and /or my products or services, your inability to access my Site, interruption or outage of my Site or the fact that content on my Site or in my services is inaccurate, incomplete or out of date. My liability for any breach of a condition or warranty under these Terms shall be limited to the extent provided for by the Bulgarian Consumer Protection Act.

MY RIGHT TO BE INDEMNIFIED BY YOU
To the fullest extent permitted by applicable laws, you agree to indemnify, and hold me and my related entities, affiliates, and my and their respective officers, agents and employees harmless from any loss, liability, claim, or demand, (including reasonable legal fees on a full indemnity basis), made by any third party due to or arising out of your use of this Site in violation of these Terms and/or arising from a breach of these Terms and/or any breach of your representations and warranties set out in these Terms or your breach of any law or the rights of a third party.

ADDITIONAL TERMS
Where you have selected to enter into a further agreement, relationship or contract with me beyond this Site, including by purchasing products or services which require this, I will issue you with Additional Terms. These Additional Terms together with these Terms will form the agreement between the parties (Agreement). 

BREACH AND TERMINATION
The agreement constituted between us by your use of the Site may be terminated:

• where you breach any provision of these Terms; or 

• at any time by me without notice, in which case all disclaimers and limitations of liability will survive termination, and you will no longer be authorised to access the Site.

SEVERABILITY
If any term or provision of these Terms is held by a court of competent jurisdiction to be contrary to law, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Terms will remain in full force and effect.

CEASING MY WEBSITE
I have the right to discontinue this Site. If I decide to do this, it can be at any time and may be without notice to you. I may also exclude any person from using my Site, at any time and at my sole discretion. I will not be responsible for any liability you may suffer arising from or in connection with any such discontinuance or exclusion.

ASSIGNMENT
I am permitted to assign, transfer and subcontract my rights and/or obligations under these Terms without any notification or consent required. However, you are not permitted to assign, transfer or subcontract your rights and/or obligations under these Terms.

ENTIRE AGREEMENT
The Terms (together with my Privacy Policy, Additional Terms and disclaimers) contained on this Site constitute the entire understanding and agreement between us and you concerning your use of this Site, and supersede all previous communications, negotiations, and agreements, whether oral, written, or electronic, with respect to this Site and your use of this Site.

GOVERNING LAW AND JURISDICTION
All Terms shall be construed in accordance with and governed in all respects by the laws of Bulgaria. In relation to any dispute, I ask that you contact me in the first instance so that both parties can, acting in good faith, resolve the dispute to our mutual satisfaction as quickly, cost-effectively and efficiently as possible. Where a dispute cannot be resolved, you agree to submit to the exclusive jurisdiction of the courts of Bulgaria.