1) Scope of Application

These Terms govern the purchase and use of our Services offered via [https://spaltmann.com] and related pages. By booking or purchasing, you accept these Terms.

2) Eligibility

You must be at least 18 years old to purchase or participate in the Services.

3) Services

We provide coaching, mentoring, workshops, group programs and digital resources, delivered online (e.g., Zoom) and/or in person. Details (scope, dates, duration, price) are shown on the relevant offer page before purchase.

4) Pricing & Payment

• Prices are shown in [EUR] and include VAT where applicable.
• Payments are processed securely via Stripe. Your booking is confirmed after successful payment (unless otherwise agreed in writing).
• Invoices/receipts are provided electronically.

5) Cancellation & Refund Policy

Individual Coaching Sessions

• Cancel or reschedule up to 48 hours before the session: full refund or free reschedule.
• Within 48 hours: 50% fee charged.
• No‑show: 100% fee charged, no refund.

Workshops & Group Programs

• Cancel up to 14 days before the start: full refund.
• 14–7 days before start: 50% refund.
• Less than 7 days before start or after the program has started: no refund.

Digital Products

Due to the nature of digital content, refunds are not provided once the product has been accessed or downloaded (see also “Right of Withdrawal”).

Provider Cancellations / Force Majeure: If we need to reschedule or cancel (e.g., illness, technical failure), we will offer a new date or a full refund of the price paid for the affected service.

6) EU Right of Withdrawal (Consumers)

If you are a consumer in the EU purchasing at a distance, you generally have a 14‑day right of withdrawal without giving any reason.

• Services (coaching/training): The 14‑day period starts on the day of contract conclusion. If you ask us to start the service during the 14‑day period, you will pay a proportionate amount for services already provided up to the time you notify us of withdrawal. If the service has been fully performed within the 14‑day period after your express request and acknowledgment of losing the right, the right of withdrawal no longer applies.
• Digital content not on a tangible medium: If you expressly agree to immediate access/download and acknowledge you lose the 14‑day right of withdrawal, the right no longer applies once provision begins.

To exercise the right, inform us of your decision to withdraw within 14 days using an unambiguous statement (e.g., email). You may use the Model Withdrawal Form below.

Effects of withdrawal: We will refund all payments received for the withdrawn contract (less any proportionate amount for services already provided) without undue delay and no later than 14 days from the day we are informed of your decision. Refunds use the same payment method you used, unless agreed otherwise.

7) Client Responsibilities

You agree to participate actively, be punctual, and ensure a suitable setup for online sessions. Results depend on your engagement and application.

8) No Medical, Legal or Financial Advice

Our Services support personal and professional development. They do not constitute medical, psychological, legal, tax, or financial advice. Always seek licensed professionals where appropriate.

9) Limitation of Liability

We are liable without limitation for intent and gross negligence and for injuries to life, body or health. For slight negligence in material contractual obligations (cardinal duties), liability is limited to typical, foreseeable damage. Otherwise, liability is excluded to the extent permitted by law.

10) Privacy & Data Protection (GDPR)

We process personal data in accordance with the EU General Data Protection Regulation (GDPR). Please see our Privacy Policy for details on what data we process, for what purposes, legal bases, retention periods, your rights (access, rectification, erasure, restriction, portability, objection), and contact details of the controller.

11) Intellectual Property

All materials, recordings, workbooks, and frameworks provided are protected by copyright. You receive a personal, non‑transferable license for your own use. Sharing, reproducing, or distributing materials without written permission is prohibited.

12) Code of Conduct

We maintain a respectful learning environment. We may remove participants who violate community standards (e.g., harassment, hate speech) without refund for the session affected.

13) Changes to Services or Terms

We may update Services or these Terms to reflect improvements, legal changes, or operational needs. The version in effect at the time of your booking applies to that booking. Material changes will be highlighted on this page with a new effective date.

14) Governing Law & Dispute Resolution

These Terms are governed by the laws of Germany (without conflict-of-law rules). Mandatory consumer protection provisions of your EU country of residence remain unaffected. We aim to resolve disputes amicably; otherwise, the competent courts at your place of residence or our business domicile apply as mandated by consumer law.

15) Contact

Questions about these Terms:
Debby Spaltmann — Destiny Sculpting
[Street, Postal Code, City, Country]
Email: [you@example.com] · Phone: [+49 …]

Model Withdrawal Form (EU)

(Complete and return this form only if you wish to withdraw from the contract.)