Terms of Service
Last updated: 24/11/2025
These Terms of Service (“Terms”) govern your access to and use of all digital products, services, advisory programs, training, and content provided by Arthur Geisari and Oferta Finance (“we”, “us”, “our”).
By purchasing, accessing, or using any of our websites, products, or services, you agree to these Terms.
1. Who We Are
All products and services are offered by Arthur Geisari and Oferta Finance, operating across the European Union and internationally.
Our work includes:
• business funding consulting
• educational content
• digital products & frameworks
• online and offline workshops
• advisory services
• webinars and masterclasses
2. Use of Our Website & Products
By using our website or purchasing any product, you agree to:
• provide accurate information
• use our content only for personal or business use
• not copy, resell, or distribute our materials
• comply with EU laws
All intellectual property (text, frameworks, videos, guides, graphics, presentations, or processes) belongs exclusively to Arthur Geisari and is protected under EU copyright law.
You receive a non-transferable, non-exclusive license to use the materials for your business only.
3. Payments & Billing
Payments are processed through secure third-party providers (Stripe, PayPal, or Kajabi Payments).
By purchasing, you confirm:
• you are authorized to use the payment method
• all payments are final unless a specific refund policy applies
• taxes/VAT may be added based on your location
If a payment fails, access to the product may be paused until resolved.
4. Refunds
Our Refund Policy is part of these Terms.
Default policy:
All digital products, downloads, frameworks, toolkits, diagnostics, quizzes, and recordings are non-refundable, in accordance with Article 16(m) of the EU Consumer Rights Directive.
If a product explicitly offers a refund option, it will be clearly stated on that product’s page.
If not stated, no refunds apply.
5. Advisory Calls, Consulting & Programs
All 1:1 calls, consulting, intensives, and long-term advisory follow the default no-refund rule.
Rescheduling options may be available depending on the specific program guidelines.
Delays, cancellations, or missed sessions by the client are fully the client's responsibility unless otherwise agreed in writing.
6. Live Events & Workshops
• Tickets are non-refundable unless otherwise stated.
• If a refund is offered, it must be requested at least 24 hours before the event.
• We may record events for training and internal quality purposes.
7. Disclaimer: Not Financial Advice
All content, advice, frameworks, strategies, and tools are educational.
We do not provide:
• investment advice
• legal advice
• tax advice
You are responsible for your financial decisions. Results vary depending on your execution, market conditions, and business model.
8. Limitation of Liability
To the maximum extent allowed by EU law:
• We are not liable for financial losses, missed opportunities, rejected loan applications, or business outcomes.
• We provide tools and knowledge; you implement them.
• We are not liable for delays caused by banks, partners, financial institutions, or third-party platforms.
Your use of our products is at your own discretion and risk.
9. GDPR & Data Protection
We comply with GDPR and all relevant EU privacy laws.
We collect only the data necessary to:
• provide products
• deliver emails
• create personalized funding insights
• improve user experience
• process payments
You may request:
• access
• correction
• deletion
• restriction of processing
Contact: [email protected]
We do not sell personal data.
10. Termination of Access
We reserve the right to suspend or terminate access if:
• payment fails
• Terms are violated
• materials are copied or shared illegally
No refunds apply for terminated accounts.
11. Changes to Terms
We may update these Terms at any time.
Changes become effective once posted on the website.
12. Contact
For legal, billing, or support questions:
[email protected]
