Terms of Service

Terms of Service for Monica Arcoya Effective Date: 21-08-2025 Welcome to Monica Arcoya (“we,” “us,” “our”). By accessing or using our website, services, or digital products, you agree to comply with these Terms of Service (“Terms”). If you do not agree, please do not use our website or services. 1. Acceptance of Terms By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms govern your access to and use of our courses, books, digital content, and any other services provided on our website. 2. Eligibility You must be at least 18 years old or of legal age in your jurisdiction to use our website and purchase our products. By using our services, you confirm that you meet this requirement. 3. Account Registration To purchase courses or access certain content, you may be required to create an account. You are responsible for: - Maintaining the confidentiality of your account credentials - All activity under your account - Not sharing your account with others unless explicitly permitted - We reserve the right to suspend or terminate accounts for violations of these Terms. 4. Digital Content and Courses - All courses, books, and digital content provided by Monica Arcoya are for personal, non-commercial use only. - You may not copy, distribute, resell, or exploit our content without written permission. - We strive to provide accurate and high-quality content; however, results may vary, and we do not guarantee specific outcomes. 5. Payment and Refunds - Payments for courses and products are processed through secure third-party gateways. -All prices are in USD and include applicable taxes where required. - Refunds are provided at our discretion and according to our refund policy. Please review the refund policy before purchase. 6. User Conduct By using this website, you agree not to: - Violate any applicable laws or regulations - Attempt to hack, disrupt, or interfere with the website -Use the website to harass, abuse, or harm others - Copy, reproduce, or distribute our content without permission 7. Intellectual Property All content on this website, including text, images, videos, courses, and books, is the intellectual property of Monica Arcoya and protected under copyright law. Unauthorized use, reproduction, or distribution is prohibited. 8. Disclaimers - Our courses and content are for educational and informational purposes only. -We do not provide medical, legal, financial, or professional advice. - Your use of our content is at your own risk, and we are not liable for any outcomes resulting from its application. 9. Limitation of Liability To the maximum extent permitted by law, Monica Arcoya shall not be liable for: - Any indirect, incidental, or consequential damages - Losses arising from your use or inability to use our services - Errors, omissions, or inaccuracies in our content 10. Termination We reserve the right to suspend or terminate access to the website or services at any time, with or without notice, for conduct that violates these Terms. 11. Changes to Terms We may update these Terms from time to time. Any changes will be posted on this page with the updated effective date. Continued use of our website constitutes acceptance of the revised Terms. 12. Governing Law These Terms are governed by the laws of [Insert Jurisdiction, e.g., Spain or your country of residence]. Any disputes will be subject to the exclusive jurisdiction of the courts in that location. 13. Contact For questions or concerns about these Terms, please contact us: Email: [email protected] Address: Camino de la Galera, 1 Almuñecar, Spain 14. Copyright © 2025 Monica Arcoya. All rights reserved. All content, courses, and digital products on this website are owned by Monica Arcoya. Unauthorized copying, sharing, or redistribution is strictly prohibited.