Terms of Service

1. Introduction

Let's talk about how you can use our services.

We respect your time, trust, and privacy, so this document is meant to be as clear and human as possible. By accessing or using our Services, you agree to be bound by these Terms. If you don't agree, please don't use the Site.

2. Who can use the Site

You must be at least 16 years old to browse the Site or purchase any product or programme through it.

If you're using our Services on behalf of another person or organisation, you confirm that you have the authority to agree to these Terms for them.

3. Your account

Certain parts of the Site — including access to course materials and community chat for specific programmes — require you to create an account. When you do:

• Please provide accurate and complete information.

• Keep your login credentials safe.

• You are responsible for all activity under your account.

If you suspect unauthorised access or unusual activity, contact us right away at contact@natalia-leal.com. You can close your account at any time by contacting us.

These general Terms apply to your account unless otherwise stated in that specific service's own Terms and Conditions.

4. Your content

Some areas of the Site may allow you to share content — for example, exercises, testimonials, feedback, or community posts. Anything you post remains yours, but by submitting it, you give us permission to display, share or use it (for example, in marketing materials or training resources), as long as it doesn't violate your rights or privacy.

5. Content and intellectual property

All content on the Site — text, design, videos, downloadable materials, programmes, graphics and logos — is owned by or licensed to Natália Leal | Coach & Trainer. We're happy for you to use it for personal, non-commercial purposes, but you may not reproduce, resell or redistribute any part of it without written permission.

6. Acceptable use

You agree to use our Services only for lawful purposes and in ways that don't harm others. Specifically, you agree not to:

• Break any laws or regulations.

• Share or post harmful, misleading or offensive content.

• Try to access other people's accounts or data.

• Interfere with or disrupt our Site or systems.

If you violate these Terms, we may suspend or terminate your access.

7. Third-party links

The Site may link to third-party tools or websites (for example, payment providers, the platform hosting our online community, video platforms, or social media). We don't control these and aren't responsible for their content, security, or privacy practices. Please review their terms before using them.

8. Privacy

Your privacy matters deeply to us. Please review our Privacy Policy to understand how we collect, use, and protect your information: https://www.natalia-leal.com/privacy

All processing of personal data is done in compliance with the GDPR (General Data Protection Regulation) and other applicable laws.

9. Disclaimer

We work hard to provide reliable, supportive, and empowering Services, but we can't guarantee perfection.

The Site and its content are provided "as is" and "as available". We make no warranties about:

• Continuous availability or error-free operation,

• The accuracy or reliability of content, or

• That our Site will be completely secure or free from interruptions.

Content shared on the Site is educational in nature and not a substitute for professional medical, legal, financial or psychological advice.

10. Limitation of liability

To the fullest extent permitted by law, Natália Leal | Coach & Trainer (and any team members, partners, or affiliates) shall not be liable for indirect or consequential damages arising from your use of the Site, including:

• any indirect, incidental, or consequential damages;

• any loss of data, revenue, or profits; or

• any damages exceeding the total amount you've paid to us in the previous three (3) months.

This limitation does not apply in cases of intent or gross negligence (opzet of bewuste roekeloosheid) on our part, as Dutch law does not permit excluding liability in those cases.

11. Indemnification

You agree to cover any claims, damages, or reasonable costs (including legal fees) we incur as a result of:

• your breach of the Acceptable Use rules (Article 6);

• your misuse of your account or the community platform in a way that harms us or another member;

• unauthorised access to, or sharing of, another user's account or data; or

• content you submit that infringes someone else's intellectual property or other rights.

12. Termination

You're free to stop using our Services at any time. We may also suspend or end your access if you violate these Terms, misuse our Services, or cause harm to others.

Even after termination, certain sections (such as intellectual property, liability, indemnification, and dispute terms) will still apply.

13. Changes to these Terms

We may update these Terms occasionally. Changes take effect once posted here, with the effective date above updated.

14. Governing law

These Terms and any related disputes are governed by and interpreted under the laws of the Netherlands. If you're a consumer residing in the European Union, this is without prejudice to any mandatory consumer protection rules that apply in your country of residence. Any legal proceedings will take place in the competent courts of the Netherlands.

1. Scope

These are the general conditions that apply to any product or programme purchased through www.natalia-leal.com, unless a specific product page states different terms for that particular offer — in which case the terms on that product page take precedence for that purchase.

These Conditions do not apply to 1:1 coaching or the Expat Lighthouse Programme, which are arranged directly with Natália Leal and governed by a separate General Terms and Conditions (GTC) document provided to you for review before you sign.

2. What we offer through the Site

- Digital Products — downloadable files, templates and similar one-time digital deliverables, fully accessible to you as soon as payment is received.

- Self-Paced Courses — pre-recorded course content you can access at your own pace once payment is confirmed.

- Membership Programmes — recurring, subscription-based access that may combine digital content (such as an online community platform) with live elements (such as a monthly group call), billed on a recurring basis.

3. Age limit

Digital Products and Self-Paced Courses are available to customers aged 16 and over. Membership Programmes, which include a live group call, are available to customers aged 18 and over.

If we become aware that an order was placed by someone who doesn't meet the applicable age requirement, we'll cancel that order, refund any payment made, and remove access to the product or programme concerned.

4. Orders

Placing an order through the Site constitutes full acceptance of these Conditions of Sale.

5. Prices and VAT

Prices are listed in euros, exclusive of shipping or processing costs unless stated otherwise — these will be shown separately at checkout if applicable. VAT will be added if and as determined by Dutch law, calculated automatically based on your country of residence at checkout.

We may change our prices at any time. However, the price confirmed at the time of your order is the price that applies to that order.

6. Payment

Payment is due at the time of order (or, for Membership Programmes, at the start of each billing cycle). Accepted methods are shown at checkout. Payments are securely processed through trusted third-party providers (such as Stripe); we don't store your card details, and the security of the payment process itself is the responsibility of the payment provider.

7. Delivery

Delivery is immediate upon receipt of payment. If you pay by bank transfer (SEPA), please note that processing can take a few business days, which will delay when payment is received by us — and therefore when delivery takes place — accordingly.

If we ever offer physical products, delivery will be made to the address you provide at checkout — please double-check it's entered correctly, including the postal code. Risk passes to you once the product has left our premises; if a package is lost in transit, we'll do what's needed to ensure you either receive it or are reimbursed.

8. Right of withdrawal

8.1 Digital Products and Self-Paced Courses

As an EU consumer, you generally have the right to withdraw from an online purchase within 14 days without giving a reason. For Digital Products and Self-Paced Courses, where you gain full and immediate access to the entire product upon payment, this works differently: by completing your purchase, you confirm your explicit consent to receive the content immediately, and you acknowledge that you thereby waive your right of withdrawal — since you have had the ability to fully access and consume the content from that point.

8.2 Membership Programmes

Membership Programmes renew automatically at the end of each billing cycle unless you cancel before the renewal date. You can cancel at any time through your account, or by emailing us at least 48 hours in advance, and cancellation takes effect at the end of your current billing period.

The standard 14-day right of withdrawal applies to your initial sign-up to a Membership Programme. This right applies only to that initial period and does not reapply to subsequent renewals. Once your subscription has renewed, cancelling stops future billing but does not entitle you to a refund for the current billing period already paid (no mid-cycle cancellations).

If we change the price of a Membership Programme, we'll let you know by email at least 30 days before the change takes effect at your next renewal.

9. Refunds

For Digital Products and Self-Paced Courses: once the waiver in Article 8.1 has been obtained at checkout, these are non-refundable, as you will have received full access.

For Membership Programmes: see Article 8.2 — a full refund is available if you withdraw within the initial 14-day period; no refunds apply to renewed billing periods already paid.

For other services or products, see their specific Terms and Conditions.

10. Force majeure

We won't be liable for any delay or failure to deliver caused by circumstances beyond our reasonable control — including technical or platform outages, internet or power failures, strikes, or similar events. In such cases, we'll fulfil our obligations as soon as reasonably possible once the circumstance has passed.

11. Complaints and dispute resolution

If something isn't right, we'd genuinely like the chance to put it right first. Please email us at contact@natalia-leal.com to let us know what happened — we'll look into it in good faith and do our best to find a fair solution together.

If we're unable to resolve things directly, and you're an EU consumer, you're welcome to submit a formal complaint through the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr