TERMS
OF
USE
Know your rights. Read our terms of use to understand how you can engage with
Expert on Your Life.
Version 1.6: 26 September 2026
These Terms of Use (“Terms”) govern the use of the website expertonyourlife.com (the “Website”) and the services and products offered through it.
The Website and the services and products offered through it are operated by:
Expert on Your Life OÜ
Registry code: 16400658
Sepapaja 6, Lasnamäe linnaosa
Harju Maakond, Tallinn 15551
Estonia
Email: lifecoach@expertonyourlife.com
In these Terms, “Expert on Your Life OÜ”, “Company”, “we”, “us” and “our” refer to Expert on Your Life OÜ.
By using the Website or purchasing a service or product through it, you agree to the Terms applicable to that use or purchase. Nothing in these Terms limits any mandatory statutory rights available to consumers under applicable law.
1. Services and Products
Expert on Your Life OÜ provides online women’s empowerment coaching, educational content and related digital services and products.
These may include:
- one-off online coaching sessions known as Empowerment Spaces;
- IGNITION, SYNERGY and FUSION Coaching Plans/ Programs;
- self-paced online courses;
- digital products;
- electronic gift cards;
- articles, publications and other educational or informational content.
The specific description, price, duration and other relevant information relating to a service or product are provided on the Website at the time of purchase.
We may introduce, modify or discontinue services or products from time to time. Changes will not retrospectively alter the contractual terms applicable to a purchase already made, except where required by law or agreed with the customer.
2. Coaching Services
Coaching provided by Expert on Your Life OÜ is intended to support personal and/or professional development, clarity, self-directed learning, decision-making and action. Coaching is not psychotherapy, psychological or psychiatric treatment, medical care, legal advice, financial advice or any other regulated professional service. The Coach does not diagnose or treat medical or psychological conditions. Coaching is a collaborative process. No particular personal, professional, financial, business or other outcome is guaranteed. Clients remain responsible for their own decisions, actions and results. Further information concerning the nature and limitations of coaching is available in our Disclaimer.
3. Empowerment Spaces
Empowerment Spaces are one-off 90-minute online coaching sessions booked for a specific date and time. The applicable price and session details are displayed on the Website before booking. Subject to any mandatory statutory consumer rights, payments for Empowerment Spaces are non-refundable. Empowerment Spaces cannot normally be rescheduled by the Client. Clients should therefore ensure that they are available at the selected date and time before completing the booking.
If Expert on Your Life OÜ needs to cancel or rearrange an Empowerment Space, an alternative date and time will be offered. If a suitable alternative cannot be agreed, the amount paid for the affected session will be refunded. The statutory right of withdrawal described in Section 8 of these Terms may apply independently of this cancellation policy.
4. Coaching Plans
Expert on Your Life OÜ offers three Coaching Plans: IGNITION, SYNERGY and FUSION. Clients purchasing a Coaching Plan are required to enter into a separate Coaching Agreement with Expert on Your Life OÜ. The Coaching Agreement contains the detailed terms governing the coaching relationship. Where there is a conflict between these Terms and a signed Coaching Agreement concerning the delivery of a Coaching Plan, the Coaching Agreement will apply to that coaching relationship, subject always to mandatory applicable law.
IGNITION
If the Client cancels the IGNITION Plan after entering into the Coaching Agreement but before the commencement of Session 2, the Client is entitled to a refund of 50% of the total Plan fee.
Once Session 2 has commenced, no refund will be provided for cancellation of the remaining Plan, except where required by applicable law.
SYNERGY
If the Client cancels the SYNERGY Plan after entering into the Coaching Agreement but before the commencement of Session 3, the Client is entitled to a refund of 50% of the total Plan fee. Once Session 3 has commenced, no refund will be provided for cancellation of the remaining Plan, except where required by applicable law.
FUSION
If the Client cancels the FUSION Plan after entering into the Coaching Agreement but before the commencement of Session 3, the Client is entitled to a refund of 50% of the total Plan fee. Once Session 3 has commenced, no refund will be provided for cancellation of the remaining Plan, except where required by applicable law.
5. Rescheduling Sessions Within Coaching Plans
If a Client needs to reschedule a session included in an IGNITION, SYNERGY or FUSION Plan, at least 48 hours’ notice must be provided.
Requests made at least 48 hours before the scheduled session may be accommodated subject to availability. Sessions cancelled or requested to be rescheduled with less than 48 hours’ notice will be considered used and cannot be rescheduled. The same applies where the Client does not attend a scheduled session without prior notice.
If Expert on Your Life OÜ needs to rearrange a coaching session, we will provide at least 48 hours’ notice whenever reasonably practicable and arrange an alternative date and time with the Client. A session cancelled or rescheduled by Expert on Your Life OÜ will not be considered a used session under the Client’s Coaching Plan.
6. Self-Paced Online Courses
Self-paced online courses offered by Expert on Your Life OÜ consist of digital educational content accessed electronically and completed by the customer at their own pace. The content, price and access conditions applicable to each course are displayed on the Website before purchase.
Consumers purchasing online courses may have a statutory right of withdrawal as described in Section 8. Where a consumer requests immediate access to digital content during the statutory withdrawal period, the consumer may be required to provide prior express consent to the commencement of supply and acknowledge the consequences for the statutory right of withdrawal. Where the conditions required by applicable law for loss of the right of withdrawal have been satisfied and supply of the digital content has begun, no change-of-mind refund will be provided. This does not affect mandatory statutory rights where digital content is defective, inaccessible as described or otherwise does not conform to the contract. If a customer experiences a technical problem accessing a purchased course, they should contact lifecoach@expertonyourlife.com.
7. Digital Products
Digital products offered by Expert on Your Life OÜ are supplied electronically and are not provided on a physical medium. The description, price and method of delivery or access are displayed before purchase.
Consumers purchasing digital products online may have a statutory right of withdrawal under applicable consumer law. Where a consumer requests immediate access to a digital product during the statutory withdrawal period, the consumer may be required to provide prior express consent to the commencement of supply and acknowledge the consequences for the statutory right of withdrawal. Where the conditions required by applicable law for loss of the right of withdrawal have been satisfied and the digital product or the means of accessing or downloading it, has been made available to the consumer, no change-of-mind refund will be provided. This does not affect mandatory statutory rights where digital content is defective, cannot be accessed as described or otherwise does not conform to the contract.
8. Statutory Consumer Right of Withdrawal
Where applicable, consumers who enter into a distance contract online generally have a statutory right to withdraw from the contract within 14 days, subject to the conditions and exceptions established by applicable consumer law.
Services
Where a consumer expressly requests that a paid service begin during the statutory withdrawal period and subsequently exercises a valid right of withdrawal before the service has been fully performed, the consumer may be required to pay an amount proportionate to the service already provided, where permitted by applicable law. Where a service has been fully performed during the withdrawal period following the consumer’s express request and the legally required acknowledgement concerning the right of withdrawal, the right of withdrawal may cease in accordance with applicable law.
Digital Content
Where digital content not supplied on a tangible medium is made available during the withdrawal period, the statutory right of withdrawal may cease once supply begins where the consumer has provided the prior express consent and acknowledgement required by applicable law and the other applicable legal requirements have been satisfied. These statutory rights operate independently of any additional cancellation or refund arrangements voluntarily offered by Expert on Your Life OÜ. A consumer wishing to exercise a statutory right of withdrawal may notify us clearly in writing at lifecoach@expertonyourlife.com.
9. E-Gift Cards
Expert on Your Life OÜ offers electronic gift cards in values of €50, €100, €150 and €200. E-gift cards are delivered electronically by email and may be redeemed at checkout toward eligible services or online courses offered by Expert on Your Life OÜ. E-gift cards do not expire. If the price of the selected eligible purchase exceeds the available gift-card balance, the remaining amount must be paid using an available payment method.
Once an e-gift card has been redeemed toward a service or course, the cancellation, rescheduling and refund conditions applicable to that particular service or course will apply. Nothing in these Terms limits any mandatory statutory consumer rights applicable to the purchase or use of an e-gift card.
10. Prices and Payments
Prices applicable to services, courses and products are displayed on the Website before purchase. Payment must be made using one of the payment methods made available through the Website. The customer is responsible for providing accurate and complete information necessary to process the purchase. A purchase is subject to successful payment and any other conditions displayed during the relevant checkout or booking process. Where required by applicable law, appropriate confirmation of the transaction will be provided electronically.
11. Confidentiality and Coaching Communications
Information shared during a coaching relationship will be treated as confidential and will not be disclosed to third parties without the Client’s consent except where disclosure is required by law or is otherwise legally permitted. The Coach conducts the coaching relationship in accordance with recognised professional and ethical standards for coaching, including the principles of the Global Code of Ethics for Coaches, Mentors and Supervisors. The Coach-Client relationship does not constitute legally privileged confidentiality in the same manner as certain regulated professional relationships. Online coaching involves electronic communications and online platforms. While Expert on Your Life OÜ takes reasonable measures to protect personal data and communications, no method of electronic communication can be guaranteed to be completely secure. Personal data is processed in accordance with our Privacy Policy.
12. Intellectual Property
Unless otherwise stated, the Website and its original content, including text, graphics, branding, course materials, coaching materials, publications, downloadable materials and other content created by Expert on Your Life OÜ, are owned by or licensed to Expert on Your Life OÜ and are protected by applicable intellectual property laws. Content is provided for personal, lawful and non-commercial use unless expressly stated otherwise. You may not reproduce, republish, distribute, sell, commercially exploit, modify or create derivative works from protected content belonging to Expert on Your Life OÜ without prior written permission, except where such use is permitted by applicable law. Purchasing a course, digital product or coaching service does not transfer ownership of the underlying intellectual property to the purchaser. Content created by guest contributors or other third parties remains subject to the intellectual property rights and arrangements applicable to that content.
13. The Rise of She and Guest Content
The Website may contain articles, interviews, contributions and other editorial material published through The Rise of She publication. Views and opinions expressed by guest writers, interviewees or other contributors are their own and do not necessarily represent the views of Expert on Your Life OÜ. Guest contributions may be subject to separate contributor terms or agreements. Expert on Your Life OÜ may edit, moderate, decline or remove submitted content in accordance with its editorial practices and any applicable contributor arrangement.
14. Acceptable Use of the Website
You may use the Website only for lawful purposes. You must not knowingly interfere with the security or proper operation of the Website, attempt to gain unauthorised access to restricted areas or systems, introduce malicious software, use the Website for fraudulent or unlawful purposes, or reproduce or commercially exploit protected Website content without permission. We may restrict or suspend access where reasonably necessary to protect the Website, our users, our rights or the rights of others, or where use of the Website violates these Terms or applicable law.
15. Third-Party Services and Links
The Website and our services may use or contain links to services provided by third parties, including providers involved in website hosting, payments, online communications, analytics and other functionality.
Third-party services may be governed by their own terms and privacy practices. Expert on Your Life OÜ is not responsible for the content, availability or independent practices of websites or services that we do not own or control, except where liability cannot lawfully be excluded.
Information concerning third-party processing of personal data is provided in our Privacy Policy and Cookie Policy.
16. Privacy and Cookies
Personal data is processed in accordance with our Privacy Policy.
Our use of cookies and similar technologies is described in our Cookie Policy. Where consent is legally required for non-essential cookies, such cookies are used in accordance with the choices made through our cookie-consent mechanism.
17. Availability and Changes to the Website
We aim to keep the Website and its services reasonably available but cannot guarantee uninterrupted or error-free access. We may update, modify, suspend or discontinue Website content, features, services or products where reasonably necessary. This does not affect rights or obligations arising from purchases already made, except where a change is required by law, is necessary to provide the contracted service, or is agreed with the customer.
18. Limitation of Liability
Expert on Your Life OÜ does not guarantee that use of the Website, coaching services, courses, publications or other content will produce any particular personal, professional, financial or business result.
Users and Clients remain responsible for their own decisions and actions.
To the maximum extent permitted by applicable law, Expert on Your Life OÜ shall not be liable for indirect or consequential losses arising from reliance on general Website content or from decisions or actions taken by a Client following coaching. Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, nor does anything in these Terms exclude or restrict mandatory consumer rights.
19. Complaints and Consumer Disputes
If you have a complaint concerning a service or product, please contact:
lifecoach@expertonyourlife.com. We will seek to resolve the matter directly with you. Under current Estonian consumer procedures, a trader must respond to a written consumer complaint within 15 days. If a dispute cannot be resolved directly, eligible consumers may have access to the Estonian Consumer Disputes Committee or other competent consumer dispute-resolution mechanisms. Nothing in this section prevents either party from exercising any right or remedy available under applicable law.
20. Applicable Law
These Terms are governed by the laws of the Republic of Estonia. Where you enter into a contract with Expert on Your Life OÜ as a consumer, this choice of law does not deprive you of any mandatory consumer protections that apply to you under applicable law. Nothing in these Terms restricts a consumer from bringing proceedings before a court or other competent body where such right is provided by mandatory applicable law. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
21. Changes to These Terms
We may update these Terms from time to time to reflect changes to our services, Website, business practices or applicable legal requirements.
The current version and its “Last updated” date will be published on the Website. Changes to these Terms will generally apply prospectively. Terms applicable to a completed purchase or an existing contractual relationship will not be retrospectively changed to the customer’s detriment solely by publishing a new version on the Website, except where required or permitted by applicable law or agreed between the parties.
22. Electronic Communications
Notices, confirmations and other communications relating to the Website, purchases or services may be provided electronically, including by email, where permitted by applicable law. You are responsible for providing an accurate email address when purchasing a service or product and for keeping your contact information reasonably up to date.
23. Contact
If you have questions about these Terms of Use, please contact:
Expert on Your Life OÜ
Registry code: 16400658
Sepapaja 6, Lasnamäe linnaosa
Harju Maakond, Tallinn 15551
Estonia
+37253686318
Email: lifecoach@expertonyourlife.com