Terms & Conditions

1. Acceptance of These Terms
These Terms & Conditions (“Terms”) and our Privacy Policy govern your access to and use of this website (the “Site”). By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms.
If you do not agree with these Terms or the Privacy Policy, you must stop using the Site immediately.
We may update these Terms from time to time. The updated version will be posted on this page and becomes effective when posted. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

2. Site Owner and Contact Details
This Site is owned and operated by:
Tzveta Iordanova
Contact email: info@tzvetaiordanova.com

3. Who May Use the Site
You may use the Site only if:
•    You are at least 18 years old (or the age of majority in your jurisdiction),
•    You have the legal authority to enter into these Terms, and
•    Your use is not prohibited by applicable law.
We may restrict or suspend access to the Site (in whole or in part) at any time, to the extent permitted by law.

4. What the Site Offers
The Site provides information about consulting services related to strategy, innovation, execution, and transformation. The Site also enables visitors to request contact, book an introductory call, access published content (including blog articles), and, where available, purchase or subscribe to paid materials and services.
Use of the Site for informational purposes or to request contact does not, by itself, create a client–consultant relationship. Any consulting services are provided only pursuant to a separate written agreement.

5. Post-Inquiry and Post-Call Communications
If you request contact, book an introductory call, or otherwise initiate communication through the Site, we may contact you by direct, one-to-one communication (typically email and, where appropriate, calendar invitations or calls) for purposes that include:
•    responding to your inquiry,
•    following up after an introductory call,
•    clarifying needs or scope,
•    discussing potential engagement terms,
•    providing proposals or next steps.
These communications are considered service-related or pre-contractual communications and are not marketing messages. You may ask us to stop such communications at any time, subject to our need to retain records for legal or operational purposes.

6. Blog and Informational Content
The Site may include blog posts, articles, essays, and other informational content. Such content is provided for general informational and educational purposes only and does not constitute professional, legal, medical, financial, or regulatory advice.
You should not rely on Site content as a substitute for advice tailored to your specific circumstances. We make no representations or warranties as to the accuracy, completeness, or suitability of any informational content.

7. Paid Materials and Digital Content
From time to time, we may offer paid digital materials, resources, research, tools, or other content through the Site (“Paid Materials”).
Unless expressly stated otherwise:
•    Paid Materials are provided for informational purposes only.
•    Access is granted on a limited, non-exclusive, non-transferable, revocable license for your personal or internal business use for the duration of your access entitlement (for example, a subscription period or one-time access period).
•    Upon expiration, cancellation, or termination of access, your license to use the Paid Materials automatically ends.
•    Paid Materials may not be shared, resold, sublicensed, reproduced, or redistributed without prior written permission.
Pricing, access terms, billing, renewal, cancellation, and refund policies are presented at the point of purchase and are incorporated into these Terms by reference.
Nothing in these Terms limits your mandatory statutory consumer rights.

8. Subscriptions
The Site may offer subscriptions to content, insights, publications, or other materials (“Subscriptions”).
Subscription terms, including pricing, billing frequency, renewal, cancellation, and access rights, are disclosed at the time you subscribe.
Unless otherwise stated:
•    Subscriptions renew automatically for successive periods.
•    You may cancel a subscription at any time in accordance with the cancellation instructions provided at checkout or through your account (where available).
•    Access to subscription content may be suspended or terminated if payment fails or if you materially breach these Terms.
We may suspend or terminate access to Paid Materials or Subscriptions for misuse, fraud, security reasons, or material breach of these Terms, with or without prior notice where immediate action is required.
Refunds are provided only where required by applicable law or expressly stated at the point of purchase.

9. Marketing Communications vs. Subscriptions
Subscribing to paid or free content does not obligate you to receive marketing communications unless you have expressly opted in where required by law.
Opting out of marketing communications does not affect your access to purchased or subscribed content, except where communications are necessary for service delivery or account administration.

10. Changes to Offerings
We may introduce new services, content formats, pricing models, or delivery methods over time. Any new offerings will be subject to these Terms and to any additional terms disclosed at the time of offering.

11. Site Information May Not Be Accurate or Current
Information on the Site is provided for general informational purposes and may not always be accurate, complete, or current. We may update or remove Site content at any time without notice.

12. No Unsolicited Confidential or Proprietary Information
Please do not send unsolicited proprietary, confidential, regulated, sensitive, or otherwise restricted information through the Site or via email unless we have expressly agreed in writing to receive it and, where appropriate, have a confidentiality agreement in place.
To the fullest extent permitted by law, unsolicited information will be treated as non-confidential and non-proprietary, except where required by law.

13. Your Responsibilities and Acceptable Use
You agree not to:
•    Use the Site unlawfully or fraudulently
•    Interfere with Site security or attempt unauthorized access
•    Upload or transmit malware or harmful code
•    Misrepresent identity or affiliation
•    Harass, abuse, or harm others
•    Copy, scrape, or harvest Site content or data in violation of these Terms
•    Use the Site in a way that could damage, disable, or impair it

14. Intellectual Property, Copyright, and Ownership
Unless otherwise stated, all Site content (including text, visuals, logos, layout, and code) is owned by or licensed to us and protected by intellectual property laws.
Limited Permission
You may view the Site for personal, non-commercial informational purposes only. You may print or save one copy of pages for personal reference.
Prohibited Use
You may not, without prior written permission:
•    Copy, reproduce, modify, publish, distribute, or display Site content
•    Republish content on other platforms
•    Use Site code or materials for commercial purposes
•    Remove copyright or proprietary notices

15. Text & Data Mining, Scraping, and AI Training Restriction
To the fullest extent permitted by law, you may not carry out text and data mining, web scraping, or automated extraction of Site content or data for the purpose of developing, training, fine-tuning, validating, or operating artificial intelligence systems or models.
All rights are reserved in this regard, including rights under Article 4(3) of EU Directive 2019/790 where applicable.

16. Links to This Site
You may link to the homepage of this Site in a fair and lawful manner that does not suggest endorsement, affiliation, or partnership, and does not harm our reputation.
You may not use framing techniques or our trademarks without prior written permission.

17. Third-Party Websites and Content
The Site may include links to third-party websites or embedded content. We do not control and are not responsible for third-party services, which are governed by their own terms and privacy policies.

18. Services and Commercial Terms
Consulting services are governed solely by a separate written agreement (such as a proposal, statement of work, or contract). That agreement controls scope, fees, timelines, confidentiality, liability, and other commercial terms.
We do not guarantee outcomes or results unless expressly stated in a signed agreement.

19. Promotional Messages
If you provide your contact details, we may contact you to respond to your inquiry and, where permitted by law, share updates or insights.
You may opt out of promotional communications at any time by using the unsubscribe link (if provided) or emailing [Insert email].

20. Right to Change or Discontinue the Site
We may change, suspend, or discontinue the Site or any features at any time. We are not liable for such changes to the fullest extent permitted by law.
Force majeure.
We are not liable for delay or failure resulting from events beyond our reasonable control, including natural disasters, pandemics, government actions, platform outages, power failures, or third-party service disruptions.

21. Disclaimers
The Site is provided on an “as is” and “as available” basis without warranties of any kind. Your use of the Site and reliance on its content is at your own risk.

22. Limitation of Liability
To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Paid Materials.
Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud, wilful misconduct, or personal injury caused by negligence.

23. Indemnification
You agree to indemnify and hold us harmless from claims arising from your violation of these Terms, applicable law, or third-party rights.

24. Recruitment Fraud Caution
We will never ask for payment to obtain employment or opportunities. Any such request is fraudulent.

25. Governing Law and Disputes
These Terms are governed by the laws of [Insert country/state], without regard to conflict-of-law principles.
If you are a consumer, nothing in these Terms limits your mandatory rights under applicable consumer protection laws, including the right to bring proceedings in your local courts where required by law.
Before initiating formal legal proceedings, we encourage you to contact us first to attempt to resolve the issue informally.

26. Severability and Assignment
If any provision is held unenforceable, the remaining provisions remain in effect.
You may not assign or transfer your rights under these Terms without prior written consent. We may assign these Terms as part of a merger, sale of assets, or restructuring.

27. Contact
For questions about these Terms or the Site:
Email: info@tzvetaiordanova.com