Why all sales are final

• Courses are digital. The moment you buy, you get instant access to all the lessons, videos and tools, and you can keep using them. A course can’t be “given back” like a sweater.
• Coaching is my time, just for you. When you buy coaching, I keep time free for you, prepare for our work together and turn other people away.

That’s why I keep my prices fair and tell you everything about each offer on its page. If you’re not sure something is right for you, please ask me BEFORE you buy. I’m happy to help you choose!

Online courses and bundles

All my online courses and course bundles (like Everything, Uncomplicated.) are final sales. Once your access starts, I don’t give a refund for a change of mind.

At checkout, you ask for instant access and confirm that you understand this. For buyers in the EU and the UK, this also means that the legal 14 day right of withdrawal ends when your access starts.

Private coaching and Ask Me Anything

Private 1:1 Coaching, the course add-on session and Ask Me Anything are final sales too. I don’t give refunds for a change of mind, for sessions that took place, for sessions cancelled less than 24 hours before or missed, or for questions you didn’t use within your 30 days.

You can always move a session for free if you tell me at least 24 hours before (see my Coaching Terms). And if I have to cancel a session and we can’t find a new time, I refund that session in full.

If something goes wrong

This is my promise to you: if a course doesn’t work as it should (for example a video doesn’t play or a worksheet is missing), or if I can’t give you the coaching you paid for, tell me. I’ll fix it as quickly as I can, and if I can’t, I’ll refund you, fully or for the part you didn’t get. Your legal rights for faulty digital content and services always apply.

Your legal rights in the EU and the UK

If you live in the EU or the UK, the law gives you some rights that no seller can take away, and I respect them:

• Coaching: you can withdraw from a coaching purchase within 14 days of buying, without giving a reason. If you asked me to start within those 14 days (for example by booking a session or sending your first question), you pay for what you’ve already received. Once all your coaching has been delivered, this right ends.
• Courses: the right ends when your access starts, because you ask for instant access at checkout (see above).

To withdraw, send me a clear message by email before the 14 days are over. You can use the form at the end of this page, but you don’t have to. I then refund you within 14 days.

Your legal rights in Israel

If you live in Israel, Israeli consumer law gives you these rights:

• Coaching: you can cancel a coaching purchase within 14 days of buying (or of receiving the written details of your purchase, if that comes later). For a single session, please cancel at least 2 working days before it. If your coaching has already started, you pay for what you’ve already received.
• Cancellation fee: I may keep up to 5% of the price or 100 shekels, whichever is lower. There is no fee if you cancel because of something on my side.
• Courses: Israeli law gives no right to cancel digital content like an online course, so all course sales are final.
• Some buyers, for example senior citizens, people with disabilities and new immigrants, may have a longer period in some cases.

To cancel, just send me an email. I refund you within 14 days.

Wherever you live

If the law of your country gives you more rights than this policy, you keep them.

How refunds are made

When a refund is due, I send it within 14 days, to the same card or payment method you used (through Stripe). Your bank may need a few more days to show it. Refunds are made in US dollars, the currency you paid in, so the amount in your own currency can be a little different because of exchange rates or bank fees.

A problem with a payment?

Please write to me first at tamara@personal-development-zone.com. Most things can be solved with one friendly message! If you contact your bank about a payment, I’ll share the order details with my payment provider (Stripe) so they can look into it.

Withdrawal form (EU and UK)

Only if you want to use your legal right of withdrawal. You can copy this text into an email.