1. Eligibility
 

You must be at least 18 years old to use our Services.
 

By using the Services, you represent that:

• you are legally capable of entering into binding agreements; 
• the information you provide is accurate; 

• your use of the Services complies with all applicable laws. 

   

2. Nature of Services
 

The Zen Owner provides:

• educational content, 

• business coaching, 
• wellness and productivity guidance, 
• digital courses, 
• live and recorded workshops, 
• community access, 
• downloadable materials, 
• and related resources for entrepreneurs and professionals. 

Our Services are intended for informational and educational purposes only.
 

We do not guarantee specific business, financial, health, or personal results.
 

3. No Medical, Psychological, or Financial Advice
 

The content provided through the Services is not medical, psychological, psychiatric, legal, or financial advice.
 

Nothing on the website or within our programs should be interpreted as:

• medical diagnosis or treatment, 
• therapy or mental health treatment, 
• investment advice, 
• legal advice, 
• or professional financial guidance. 

You are solely responsible for your decisions, actions, and results.
 

If you require professional support, consult a qualified licensed professional.
 

4. Accounts & Registration
Certain Services may require account registration.
 

You agree to:

• maintain the confidentiality of your login credentials; 
• provide accurate information; 
• notify us immediately of unauthorized use of your account. 

You are responsible for all activities under your account.

5. Payments & Billing
 

By purchasing any paid Service, you agree to pay all applicable fees.
 

Prices may change at any time without prior notice.
 

Unless otherwise stated:

• payments are processed securely through third-party providers; 
• subscriptions automatically renew until canceled; 
• taxes may apply depending on your jurisdiction. 

Failure to complete payment may result in suspension or termination of access.

6. Refund Policy
 

Due to the digital nature of our products and services, all sales are generally final unless otherwise stated in writing.
 

If a specific program includes a refund guarantee, the conditions of that guarantee will be clearly communicated at the time of purchase.
 

We reserve the right to deny refunds in cases of:

• abuse, 
• excessive consumption of course materials, 
• or violation of these Terms. 

7. Memberships & Subscriptions
 

If you enroll in a recurring membership or subscription:

• you authorize recurring billing; 
• subscriptions renew automatically unless canceled before renewal; 
• cancellation prevents future billing but does not retroactively refund prior payments. 

You may cancel at any time through your account settings or by contacting support.
 

8. Intellectual Property
 

All content provided through the Services, including:

• videos,  
• text, 
• graphics, 
• branding, 
• logos, 
• course materials, 
• downloads, 
• frameworks, 

• and methodologies 

   

is owned by The Zen Owner or its licensors and protected by intellectual property laws.
 

• You may not:
• reproduce, 
• distribute, 
• modify, 
• resell, 
• publish, 
• or exploit our content without written permission. 
   

Purchasing access does not transfer ownership rights.
 

9. Community Guidelines
Users participating in communities, live sessions, forums, or group programs agree to:

• communicate respectfully; 
• avoid harassment, discrimination, or abusive behavior; 
• refrain from spam or unauthorized promotions; 
• respect confidentiality within group environments. 

We reserve the right to remove users or terminate access without refund for violations.
 

10. User Content
I

f you submit comments, testimonials, feedback, or other content:

• you retain ownership of your content; 
• you grant us a worldwide, royalty-free license to use, display, reproduce, and promote that content in connection with our Services. 

You represent that your content:

• does not violate any laws; 
• does not infringe third-party rights; 
• and is not defamatory or harmful. 

11. Privacy
 

Your use of the Services is also governed by our Privacy Policy.
 

By using the Services, you consent to the collection and use of information in accordance with our Privacy Policy.

12. Third-Party Services
 

Our Services may contain links to third-party platforms, tools, or websites.
 

We are not responsible for:

• third-party content, 
• payment processors, 
• external websites, 
• or services operated by others. 

Your interactions with third parties are solely between you and them.

13. Disclaimer of Warranties
 

The Services are provided “as is” and “as available.”
 

We make no guarantees regarding:

• uninterrupted access, 
• accuracy, 
• reliability, 
• specific outcomes,  
• business growth, 
• income generation, 
• wellness improvements, 
• or availability of the Services. 

To the fullest extent permitted by law, we disclaim all warranties, express or implied.
 

14. Limitation of Liability
 

To the maximum extent permitted by law, The Zen Owner and its affiliates shall not be liable for:

• indirect, 
• incidental, 
• consequential, 
• special, 
• or punitive damages, 
   

including loss of profits, revenue, data, goodwill, or business opportunities.
 

Our total liability shall not exceed the amount paid by you for the applicable Service during the previous 12 months.
 

15. IndemnificationYou agree to indemnify and hold harmless The Zen Owner, its team, affiliates, partners, and contractors from claims, damages, liabilities, costs, and expenses arising from:

• your use of the Services; 
• your violation of these Terms; 
• or your violation of applicable laws or third-party rights. 

16. Termination
 

We reserve the right to suspend or terminate access to the Services at any time if:

• you violate these Terms; 
• engage in abusive conduct; 
• misuse content; 
• or create legal or operational risk. 

Termination does not eliminate outstanding payment obligations.
 

17. Changes to the Terms
 

We may update these Terms periodically.
 

Updated versions become effective upon posting on the website.
 

Continued use of the Services after updates constitutes acceptance of the revised Terms.
 

18. Governing Law
 

These Terms shall be governed by and interpreted in accordance with the laws of Greece, without regard to conflict of law principles.
 

Any disputes shall be resolved exclusively in the courts of Athens, Greece.
 

19. Contact Information
 

For questions regarding these Terms, contact:
 

The Zen Owner
Website: www.thezenowner.com
Email: hello@thezenowner.com
Location: Athens, Greece

Refund Policy

At The Zen Owner, we strive to provide high-quality digital education and coaching services.

1. Digital Products

Due to the instant-access nature of digital products:

• ebooks, 
• templates, downloads, 
• recorded trainings, 
• digital courses 

are generally non-refundable.
 

2. Coaching Programs
 

Refund eligibility for coaching or mentorship programs will be specified at purchase.
If no guarantee is explicitly stated, payments are non-refundable.
 

3. Subscription Memberships
 

Memberships may be canceled at any time.
 

Cancellation prevents future billing but does not refund prior charges.
 

4. Exceptional Circumstances
 

Refund requests may be considered on a case-by-case basis where legally required or deemed appropriate by the Company.
 

5. EU Consumer Rights
 

Where applicable under EU consumer law:

• users may waive withdrawal rights for immediate digital content access; 
• by accessing digital content immediately after purchase, you acknowledge and consent to this waiver where legally permitted.

Community Guidelines

The Zen Owner community exists to foster respectful learning, collaboration, and growth.

Members Must Not:

• harass or intimidate others; 
• engage in hate speech or discrimination; 
• post illegal or harmful content; 
• spam or self-promote excessively; 
• share confidential group discussions externally; 
• misuse member information. 

Respect Confidentiality
 

Participants agree to respect the privacy of other members and not disclose private discussions without permission.

Enforcement
 

We reserve the right to:

• remove content, 
• suspend access, 
• terminate memberships, 
• restrict participation 

for violations of these guidelines.
 

Refunds are not guaranteed following removal for misconduct.