SKC Terms & Conditions

(Last Updated: 16 September 2025)

These Terms & Conditions (“Terms”) govern all use of the services, products, programs, events, and websites operated by Sofia Kakkava Consulting (“SKC,” “we,” “our,” “us”).
By purchasing, enrolling in, or using any SKC service or content, you (“Client,” “you”) agree to these Terms.

Important: Local consumer or data-protection laws may grant you mandatory rights. Where those laws provide stronger protections, those prevail.

1. Company Details

Legal Name: Sofia Kakkava Consulting
Registered Address: De Gashouder 58, 1506GW
Business Tax ID: NL003438305B74
Contact Email: hello@sofiakakkava.com

2. Scope

These Terms apply to all interactions with SKC, including:

Free or paid coaching (1:1 or group)
Digital products, downloads, courses, templates, or recordings
Memberships and community spaces (e.g., forums, chats, live calls)
Online and in-person events, workshops, and retreats
All websites, forms, and related services

3. Eligibility

Minimum age 18.
If you purchase on behalf of a company, you confirm you have authority to bind that entity.

4. Nature of Services

SKC provides coaching, consulting, training, and educational materials.
We do not provide medical, psychological, financial, investment, or legal advice.
Results vary and no specific outcomes or earnings are guaranteed.

5. Ordering & Access

Services begin when payment is confirmed or as stated in your order confirmation.
Some offers require intake forms, agreements, or scheduling—complete these promptly to avoid delays.
Access credentials are personal; do not share them.

6. Client Information Accuracy

You agree to provide accurate, complete, and up-to-date information in all forms, communications, and documents submitted to SKC, including but not limited to onboarding forms, payment details, and contact information.
SKC is not responsible or liable for any loss, delay, error, or miscommunication resulting from inaccurate, incomplete, or outdated information provided by you.
You remain responsible for promptly notifying SKC of any changes to your personal or business details.

7. Pricing & Taxes

Prices are listed in the currency shown at checkout.
Taxes, duties, and bank/FX fees are your responsibility unless expressly included.

8. Payments & Deposits

Payment Before Participation – All payments must be made before joining any SKC program, event, or service, either as a Pay-in-Full payment or according to an installment plan agreed in writing with SKC and/or stated in your signed contract.
Payments are processed through approved providers such as Stripe, PayPal, or direct international bank transfer to SKC’s designated business accounts.
Deposits are strictly non-refundable.
For payment plans you authorize recurring charges or scheduled bank transfers until the agreed amount is paid in full.
Failed or late payments may incur reasonable late fees and suspension of access until balance is cleared.
Clients choosing international bank transfer are responsible for all sending and intermediary bank fees to ensure SKC receives the full invoiced amount.

9. Cancellations & Refunds

To balance fairness with business sustainability:

Services & Programs – You may request a refund within 15 days of payment if you have not used the service.
“Not used” means no live session attended and no core materials accessed or downloaded.
After 15 days or any use, no refunds.
Deposits – Never refundable.
Digital Products – Non-refundable once delivered or accessed.

All refunds are made in the original payment method or at the commonly agreed method between the two parties, minus non-recoverable processing fees.

10. Rescheduling & No-Shows

1:1 sessions may be rescheduled with at least 24 hours’ notice.
Sessions missed or cancelled late are forfeited without refund.
Group calls follow the published schedule; recordings may be provided at SKC’s discretion.

11. Program & Service Changes

We may reasonably update content, schedules, or facilitators to improve quality.
If material changes occur, we will provide equivalent access or alternatives.

12. Intellectual Property

All SKC materials—program content, recordings, templates, frameworks, and brand assets—are protected by intellectual-property laws.
You receive a personal, non-transferable, revocable license for your own business or personal development.
You may not copy, distribute, resell, sublicense, or create competing products from SKC content without written consent.

13. Client Content & Media

You retain rights to materials you provide but grant SKC a limited license to use them for service delivery and internal operations.
Any session, including group or 1:1 coaching sessions, may be recorded for participant replay, note-taking, and internal quality improvement.
Marketing and Educational Use:
- By reading and accepting these Terms you grant SKC the right to use images, videos, session replays, and testimonials—whether provided by you or captured during SKC programs—for marketing, educational, and business growth purposes, in any media and territory, without further notice or compensation.
- If you do not wish to grant this permission, you must send an official email to hello@sofiakakkava.com clearly stating that you request to opt out of such use.
- SKC will honor written opt-out requests received prior to any new publication of your materials.

14. Events & Retreats

This section applies to all SKC events, whether online or in-person, including but not limited to workshops, masterclasses, webinars, bootcamps, conferences, and retreats.

Reminders & Communication – SKC will send event details and reminders to the email address and/or other designated communication platforms (such as WhatsApp, Slack, or private community spaces) provided by the client. Delivery of reminders does not guarantee attendance, and failure to receive a reminder does not entitle the client to a refund.
Attendance Responsibility – You are solely responsible for attending any purchased or complimentary access to online or physical events. Failure to attend, arrive on time, or access digital links is considered a no-show and does not qualify for a refund or credit.
Technical Requirements for Online Events – You are responsible for securing a stable internet connection, compatible devices, and necessary software to access online sessions. SKC is not liable for client-side technical issues preventing participation.
Travel & Insurance for Physical Events – You are responsible for arranging travel, visas, and adequate health/travel insurance. Participation is voluntary and at your own risk.
Health & Safety Disclaimer – Participants attend physical events entirely at their own risk. SKC is not liable for any personal injury, illness, property damage, or other health-related incidents that may occur before, during, or after the event, except where caused by SKC’s gross negligence or willful misconduct. You are responsible for evaluating your own physical condition and securing any insurance coverage you consider appropriate.
Transfers & Substitutions – Tickets or registrations may be transferred only with SKC’s prior written consent.
Payment Terms – Deposits remain non-refundable; balance payments follow the 15-day unused-service refund window where applicable.

15. Third-Party Platforms

SKC uses third-party platforms and service providers—including but not limited to Zoom, Stripe, PayPal, email marketing tools, and community platforms—to deliver services and process payments.

While SKC selects reputable providers, we do not control and are not responsible for:

the availability, performance, or security of these third-party platforms;
any data breaches, outages, interruptions, or errors caused by them; or
any loss or damage arising from your use of such platforms.
Your use of third-party platforms is subject to their own terms and privacy policies, which you are responsible for reviewing.

16. Community Guidelines

To keep all SKC spaces safe and productive you agree to:

Respectful, non-discriminatory communication
No harassment, illegal activity, spamming, or solicitation
Maintaining confidentiality of fellow participants

SKC may suspend or remove anyone who violates these standards without refund.

17. Non-Solicitation

To protect the integrity of SKC programs and community spaces, you agree that while participating in any SKC service and for a period of twelve (12) months after its conclusion, you will not directly or indirectly solicit, market to, or offer competing services or products to any SKC client, participant, or staff member through any SKC platform or communication channel without SKC’s prior written consent.
This includes, but is not limited to, pitching coaching services, recruiting for other programs, or collecting contact information for competitive purposes.

18. Service Suspension

SKC may, at its sole discretion, temporarily suspend or restrict your access to any service, program, or platform without terminating this Agreement if:
- you fail to make a scheduled payment on time;
- there is suspected or actual violation of these Terms or community standards; or
- SKC reasonably needs to investigate conduct that may harm other participants, staff, or the SKC brand.
Suspension may occur without prior notice if necessary to protect SKC or its clients.
Access will be restored once the issue is resolved, late payment is received, or the investigation is completed.
Suspension does not waive SKC’s right to pursue termination or collect any outstanding amounts.

19. Privacy & Data Protection

SKC collects and processes personal data to deliver services, operate communities, and send essential communications.
We follow applicable data-protection regulations and describe our practices in our Privacy Policy, which forms part of these Terms.
By using SKC services you consent to this processing.

20. Limitation of Liability

To the maximum extent permitted by law:
- SKC is not liable for indirect, incidental, or consequential damages (including lost profits, business interruption, or data loss).
- SKC’s total liability for any claim is limited to the total amount you paid in the six (6) months immediately preceding the event giving rise to the claim.
Nothing in these Terms excludes liability that cannot be excluded by law (e.g., fraud or gross negligence).

21. Indemnification

You agree to indemnify and hold SKC harmless from claims, damages, or expenses arising from:

Your breach of these Terms
Misuse of SKC content or services
Infringement of third-party rights by materials you provide

22. Force Majeure

SKC is not responsible for delays or failures caused by events beyond reasonable control (e.g., natural disasters, government actions, strikes, epidemics, or platform outages).
Obligations will resume as soon as practicable after such events.

23. Termination

SKC may suspend or terminate your access if you:
- Fail to pay amounts due
- Violate these Terms or community standards
- Engage in conduct harmful to SKC or other clients
Upon termination, all rights to use SKC materials cease and outstanding balances remain payable.

24. Governing Law & Dispute Resolution

These Terms are governed by the laws of The Netherlands without regard to conflict-of-law principles.
All disputes shall be brought in the courts of The Hague, The Netherlands, unless a different forum is required by mandatory consumer law.

25. Updates to Terms

We may update, revise, or replace these Terms at any time and at our sole discretion, without prior notice.
Any changes will be effective immediately upon posting the updated Terms on our website or other official SKC platforms.
By continuing to access or use SKC’s websites, services, programs, or community spaces after such updates are posted, you automatically agree to and accept the revised Terms, whether or not you have reviewed them.
If you do not agree to the updated Terms, you must stop using SKC services immediately.

26. Entire Agreement

These Terms, together with any order confirmation, intake form, or signed contract with Sofia Kakkava Consulting, constitute the entire agreement between you and SKC and supersede all prior discussions.

Contact

Questions about these Terms?
Email: hello@sofiakakkava.com
Postal: De Gashouder 58, 1506GW