Who I am

Life, Uncomplicated. is my coaching business. I run it myself, as a sole trader (osek) registered in Israel. Personal Development Zone (this website’s name) is my business too.

• Name: Tamara Pflug
• Osek number (Israel): 558353017
• Address in Israel: 56 Bialik Street, Ramat Gan, Israel
• Address abroad: Chemin des Marais 123, 1255 Genève, Switzerland
• Email: tamara@personal-development-zone.com

What these terms cover

These terms apply when you use my website personal-development-zone.com and my course platform courses.personal-development-zone.com, and when you buy a course or coaching from me.

These pages are part of these terms too:

• my Coaching Terms (how coaching works),
• my Refund Policy (cancelling and refunds),
• my Disclaimer (what my content and coaching are, and aren’t).

My Privacy Policy explains how I handle your personal information.

Who can buy

You need to be at least 18 years old to buy from me or create an account. My courses and coaching are for your own personal use.

What I offer and prices

All prices are in US dollars (USD) and are one time payments, never subscriptions. The price shown at checkout is the total price you pay: I don’t add anything on top. Your bank may charge its own fee to convert the currency.

If I ever offer a discount or a special price, its conditions are shown next to it.

How buying works

1. You choose your course or coaching on my course platform. Before you pay, you see a summary with what you’re buying and the total price, and you can still change or correct everything.
2. You pay securely through Stripe, my payment provider. I never see your full card details.
3. When your payment goes through, our agreement is made. You get a confirmation email with your order and these terms.

If something goes wrong with your payment or your order, just write to me and we’ll sort it out.

Your course access

• Right away. You get access to your course in your private course space as soon as your payment goes through.
• Lifetime access. Your course is yours for as long as my course platform exists, so you can come back to it whenever life brings that moment. If I ever had to close the platform or a course, I would tell you at least 3 months before, so you have time to finish it and download your worksheets.
• What you need. An internet connection and a recent browser on your phone, tablet or computer.
• Updates. I may improve a course over time, for example by recording a lesson again or adding a tool. I won’t take away the main content you bought.

Your account

Your account is just for you. Please keep the sign in emails I send you private, and don’t share your account with anyone. Your private notes and your photo belong to you. If you think someone else is using your account, tell me right away.

Using my content

My courses, videos, worksheets, tools, texts and pictures are protected by copyright. When you buy a course, you get a personal right to use it for yourself. It is not transferable.

• You’re welcome to print and fill in my worksheets for yourself.
• Please don’t share your login, and don’t copy, record, download (other than the worksheets), sell, upload or share my videos and materials with others.

Coaching

My private coaching and Ask Me Anything work as described in my Coaching Terms: booking, moving sessions, WhatsApp answers and confidentiality.

Cancelling and refunds

All sales are final: I don’t give refunds if you change your mind. If something doesn’t work or I can’t deliver what you paid for, I fix it or refund you. My Refund Policy explains this, and your legal rights if you live in the EU or the UK.

If something isn’t right

If a course doesn’t work as described, please tell me. I’ll fix it, and if I can’t, I’ll refund you fully or in part. You always keep the rights the law gives you for faulty digital content and services.

Coaching is not therapy

My courses and coaching are for education and personal growth. They are not therapy or medical, psychological, legal or financial advice, and I can’t promise any specific result. More in my Disclaimer.

Being kind and fair

Please use my website and course platform in a fair and legal way. Don’t try to break, overload or get around their security, and be respectful in your messages to me.

If someone seriously breaks these terms (for example by sharing their login or my courses), I may pause or end their access. I’ll always tell you why first and give you a chance to explain, unless it’s very serious.

Availability of the platform

I do my best to keep my course platform online all the time. Sometimes it may be briefly unavailable, for example for maintenance or because of a technical problem. I’ll fix problems as quickly as I can.

Liability

• I’m fully liable for damage I cause on purpose or through gross negligence, and for any harm to life, body or health.
• For anything else, as far as the law allows, my liability is limited to the price you paid for the course or coaching concerned.
• I’m not liable for problems caused by your own devices or internet connection, or by services from other companies that I don’t control.
• Nothing in these terms limits any right that the law of your country gives you as a consumer.

Changes to these terms

I may update these terms from time to time, for example when I add a new offer or the law changes. The new version applies to purchases made after it’s published. Your purchase always stays under the terms that applied on the day you bought it.

Law and disagreements

If something isn’t right, please talk to me first. I’m sure we’ll find a solution together!

These terms are governed by Israeli law, where my business is registered. If you live in another country, you keep all the protection that the consumer laws of your country give you, and you can go to court where you live.