Terms and Conditions

1. About Us

These Terms and Conditions (“Terms”) govern your use of all digital products, courses, educational content, websites, YouTube channels, social media content, affiliate programs, and any other services provided by Management Services s.r.o. (“Management Services“) We operate multiple brands across different niches including but not limited to health and wellness, personal finance, digital business, psychology, lifestyle, and entertainment. These Terms apply equally to all brands and services unless a specific brand’s website states otherwise.

2. Definitions

“Products” refers to all digital content, online courses, guides, templates, ebooks, audio files, video content, memberships, software tools, and any other digital or educational materials sold or provided through any of our websites or platforms.

“Services” refers to all services we provide including but not limited to course delivery, email communications, affiliate programs, community access, and customer support.

“Free Content” refers to content published on YouTube, social media, blogs, podcasts, or other public platforms at no charge.

“Customer” or “You” refers to any individual who purchases, accesses, or uses our Products, Services, or Free Content.

“Affiliate” refers to any individual or entity participating in our affiliate or referral programs.

“We/Us/Our” refers to Management Services and any of its brands, websites, and authorized representatives.

3. Acceptance of Terms

By purchasing our Products, accessing our Services, participating in our affiliate programs, or using our websites, you agree to be bound by these Terms. If you do not agree, do not use our Products or Services.

We may update these Terms at any time. Changes will be posted on the relevant website with an updated revision date. Your continued use after changes are posted constitutes acceptance.

4. Products and Delivery

4.1 Digital Products

All Products are digital content delivered electronically. Upon successful payment, you will receive immediate access through our online course platform and/or via download links sent to the email address provided at checkout. Products may be delivered in PDF, video, audio, or other digital formats.

4.2 Course Access

Course content is accessible through our member portal. You will receive login credentials via email after your purchase. You are responsible for maintaining the confidentiality of your login credentials.

4.3 Free Content

Content published on YouTube, social media, blogs, and other public platforms is provided free of charge for educational and entertainment purposes. Free Content is subject to the same disclaimers as paid Products (see Section 8). We reserve the right to remove, modify, or restrict access to Free Content at any time without notice.

5. Pricing and Payment

All prices are displayed in US Dollars (USD) or Euros (EUR) as indicated on the specific sales page. Prices include all applicable taxes unless otherwise stated.

Payment is processed securely through third-party payment processors including but not limited to Stripe. We accept major credit and debit cards, Apple Pay, Google Pay, and other payment methods as available at checkout.

The final price is clearly displayed before you complete your purchase. Additional products (order bumps and upsells) may be offered during checkout but are entirely optional.

Prices are subject to change at any time without notice. Price changes will not affect existing purchases or active subscriptions.

5.1 Payment Plans

Where payment plans are offered, you are liable for all installments regardless of Product usage. Failure to complete payment plan installments may result in suspension of access until payments are current.

6. Refund Policy

Refund terms are specified on each Product’s sales page at the time of purchase. Where a money-back guarantee is offered, the terms and duration stated on the sales page apply.

To request a refund, email us at the address listed below with your order number. Refunds will be processed to the original payment method within 14 days.

If no specific guarantee is mentioned on the sales page, refunds are handled on a case-by- case basis within 14 days of purchase.

Nothing in this section limits your statutory right of withdrawal under Section 7. Where a money-back guarantee is offered, it applies as stated on the sales page regardless of how much of the content you have accessed or downloaded.

7. Right of Withdrawal (EU/EEA and UK Consumers)

7.1 If you are a consumer resident in the EU/EEA or the United Kingdom, you have the right to withdraw from your purchase within 14 days without giving a reason. The withdrawal period expires 14 days after the day the contract was concluded, which is the day of your purchase.

7.2 To exercise this right, use the withdrawal form available on the relevant brand's website, or inform us by an unequivocal statement sent to the email address listed in Section 23. We will send you confirmation of receipt without undue delay.

7.3 If you withdraw, we will reimburse all payments received from you without undue delay, and no later than 14 days from the day we are informed of your decision. We will use the same means of payment you used for the original transaction, at no cost to you.

7.4 Where a money-back guarantee is offered that is longer or more generous than the statutory withdrawal right, that guarantee applies in addition to your statutory rights and does not limit them.

7.5 If you are not a consumer resident in the EU/EEA or the United Kingdom, no statutory withdrawal right applies. Any money-back guarantee stated on the sales page applies to you in full.

8. Educational Purpose and Disclaimer

8.1 Educational Purpose Only

All our Products, Services, and Free Content across all brands are for educational and informational purposes only. We are educators and content creators, not licensed professionals in any regulated field.

8.2 No Professional Advice

Our Products and content do not constitute and should not be construed as:

• Medical or health advice — consult a licensed healthcare provider, pediatrician, or mental health professional
• Financial or investment advice — consult a licensed financial advisor or certified financial planner
• Tax advice — consult a certified public accountant or tax professional
• Legal advice — consult a licensed attorney
• Psychological or therapeutic advice — consult a licensed therapist or psychologist
• Accounting advice — consult a licensed accountant
• Business consulting — consult appropriate business professionals
• Nutritional or dietary advice — consult a licensed dietitian or nutritionist

8.3 No Guaranteed Results

Individual results may vary. Any examples, case studies, testimonials, income figures, health outcomes, or statements of results — whether in paid Products, Free Content, or marketing materials — are not guarantees that you or your family will achieve the same or similar outcomes.

Results depend on many factors including but not limited to individual circumstances, consistent implementation, prior experience, health status, market conditions, effort, timing, and factors beyond our control.

8.4 Income and Financial Disclaimers

Any references to income, earnings, revenue, or financial results are illustrative only. We make no representation that any particular income or financial outcome is typical, expected, or guaranteed. Past performance does not guarantee future results. The majority of people who purchase educational products do not achieve the specific results highlighted in marketing materials.

You should never invest money you cannot afford to lose and should consult a qualified financial professional before making financial decisions based on our content.

8.5 Health, Sleep, and Children’s Products

Products related to health, sleep, wellness, or children are educational tools only. They are not a substitute for professional medical care, diagnosis, or treatment. If your child or any family member has a diagnosed medical, behavioral, developmental, or psychological condition, consult a qualified healthcare professional before using our Products.

If you observe any adverse reaction, increased distress, or unusual behavior, discontinue use immediately and seek professional help. Never disregard professional medical advice or delay seeking it because of information in our Products.

8.6 Your Responsibility

You are solely responsible for:

• Your own decisions and implementation of any strategies, techniques, or information from our Products or Free Content
• Determining the suitability of our Products for your specific situation, needs, or circumstances
• Seeking appropriate professional advice before taking action based on our content
• Compliance with all applicable laws and regulations in your jurisdiction
• Supervising any minors in connection with the use of our Products designed for children
• Your results, outcomes, and consequences of your actions
• Discontinuing use and seeking professional advice if you experience any adverse effects
• Verifying the accuracy and applicability of any information to your specific situation

8.7 No Professional Relationship

Purchase of our Products, consumption of our Free Content, or participation in our programs does not create a professional-client relationship, fiduciary duty, patient-provider relationship, financial advisory relationship, coaching relationship, or any other professional relationship between you and Management Services beyond the scope of the educational content provided.

9. Intellectual Property

9.1 Ownership

All content, characters, illustrations, text, audio, video, software, brand names, logos, and materials included in our Products and published across our platforms are the intellectual property of Management Services and are protected by copyright and intellectual property law.

9.2 License

Your purchase grants you a personal, non-transferable, non-exclusive license to use the Products for your own personal, family, or internal business use (as applicable to the Product type).

9.3 Restrictions

You may not:

• Redistribute, resell, share publicly, give away, or sublicense any Product or its content
• Modify, adapt, translate, or create derivative works from our Products
• Use any Product or content to train artificial intelligence, machine learning models, or any automated systems
• Claim authorship or ownership of any Product or its content
• Use our brand names, logos, characters, or trademarks without prior written consent
• Record, screenshot, or reproduce paid content for distribution
• Share login credentials or access with unauthorized individuals
• Use our content in any way that competes with or undermines our business

9.4 Enforcement

Any unauthorized use may result in immediate termination of access without refund and potential legal action, including claims for monetary damages and injunctive relief.

10. User Accounts

When you create an account to access our Products, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

One purchase = one user license. Account sharing is prohibited. We reserve the right to terminate accounts that show evidence of unauthorized sharing or access from multiple simultaneous locations.

11. Product Updates and New Releases

Included: You will receive access to minor updates, corrections, bug fixes, and improvements to your purchased Product at no additional charge.

Not included: We may create and release new products, courses, or programs that cover similar subject matter. These are separate offerings requiring separate purchase. A product is considered new if it is marketed as a distinct offering, has a separate name or version number, or is substantially redesigned or reimagined.

12. Affiliate and Referral Programs

We may offer affiliate or referral programs that allow you to earn commissions by promoting our Products.

12.1 Affiliate Terms

• Participation is subject to approval and may be revoked at any time
• You must disclose your affiliate relationship in compliance with FTC guidelines, EU regulations, and applicable local laws
• You may not make false, misleading, or exaggerated claims about our Products
• You may not use spam, unsolicited messages, or deceptive practices to promote our Products
• You may not bid on our brand names or trademarks in paid advertising without written permission
• Commission rates and terms are as specified in the affiliate program dashboard and may change with notice

12.2 Third-Party Affiliate Products

We may recommend, review, or promote third-party products and services through affiliate links. When we do, we may earn a commission at no additional cost to you. Such recommendations are based on our genuine opinion but do not constitute professional advice. We are not responsible for third-party products, services, or their terms.

13. YouTube and Social Media Content

Content published on our YouTube channels, social media accounts, podcasts, and blogs is Free Content subject to these Terms.

• Free Content may contain affiliate links, sponsored content, or product recommendations
• We will disclose paid partnerships and affiliate relationships as required by law
• Free Content is provided “as is” and subject to the same disclaimers as paid Products (Section 8)
• Comments, likes, and engagement on our platforms do not create any contractual relationship
• We reserve the right to moderate, remove, or disable comments on our content
• You may not download, re-upload, or redistribute our video or audio content without written permission

14. Third-Party Tools and Services

We may recommend or use third-party tools, software, platforms, and services in connection with our Products. We are not responsible for the functionality, availability, pricing, or terms of any third-party service. Your use of third-party tools is governed by their respective terms and privacy policies.

Third-party mentions or recommendations do not imply endorsement by those third parties of our Products or business.

15. Testimonials, Reviews, and Success Stories

Any testimonials, reviews, case studies, income claims, or success stories displayed on our websites, in our Products, or in marketing materials represent individual experiences and opinions. They are not intended as a guarantee of results.

Where income or financial results are shared, they represent the results of specific individuals in specific circumstances and should not be considered typical. Your results will vary based on your effort, experience, market conditions, and many other factors.

16. Limitation of Liability

To the maximum extent permitted by law, Management Services and its owners, employees, contractors, affiliates, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• The use or inability to use our Products, Services, or Free Content
• Any decisions or actions taken based on our content
• Loss of profits, data, health outcomes, business opportunities, or goodwill
• Unauthorized access to or alteration of your account or data
• Any third-party products, services, or content referenced in our materials

Our total liability for any claim arising from or related to a Product shall not exceed the amount you paid for that specific Product. For Free Content, our total liability shall not exceed zero.

17. Indemnification

You agree to indemnify, defend, and hold harmless Management Services and its owners, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your use of our Products, violation of these Terms, or infringement of any third-party rights.

18. Termination of Access

We reserve the right to suspend or terminate your access to any Product or Service if you violate these Terms. In cases of severe violations (such as intellectual property theft, fraud, redistribution of content, or threatening behavior), termination may be immediate and without refund.

For non-severe violations, we will provide written notice via email and you will have five (5) business days to resolve the issue.

19. Governing Law and Disputes

These Terms are governed by the laws of the Slovak Republic.

For EU consumers, mandatory consumer protection provisions of your country of residence shall apply where they provide greater protection.

Before initiating any formal dispute resolution, you agree to contact us with a detailed description of your concern. We will attempt to resolve the matter informally within 30 days.

Any disputes that cannot be resolved informally shall be submitted to the competent courts of the Slovak Republic, without prejudice to your right as an EU consumer to bring proceedings in the courts of your country of residence.

20. Third-Party Platform Disclaimer

Our websites, products, and content are not part of, endorsed by, sponsored by, or affiliated with Facebook, Instagram, Meta Platforms Inc., YouTube, Google LLC, Apple Inc., TikTok, ByteDance, Amazon, or any other third-party platform or corporation. All respective trademarks and brand names are the property of their respective owners.

21. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

22. Entire Agreement

These Terms, together with our Privacy Policy and any product-specific terms displayed at the time of purchase, constitute the entire agreement between you and Management Services regarding the use of our Products and Services.

23. Contact

For any questions regarding these Terms, contact us by email or at either of our international addresses:

North America, Australia & International: Management Services, 867 Boylston St, Suite 500, Unit #433, Boston, MA 02116, United States.

Europe: Management Services s.r.o., Dolezalova 15C, 821 04 Bratislava, Slovak Republic.

Company ID: 55225802

Email: theo@theothinkerclub.com

We respond within 24–48 hours on business days.