Terms of Service

Last Updated: March 29, 2025

1. Overview

These Terms of Service (“Terms”) govern your use of this website and the purchase of any services offered by Cosmina Marginean, including the Beauty Business Audit and any related digital products, resources, or coaching sessions.

By accessing this website or purchasing a service, you agree to be bound by these Terms.

2. Services Offered

We offer coaching services, including one-time strategic sessions such as the Beauty Business Audit. These are for educational and informational purposes only and are not a substitute for legal, financial, or medical advice.

3. Booking & Payment

All sessions must be booked and paid for in advance. Payments are securely processed via third-party platforms (e.g., Stripe or PayPal). Your session is confirmed once payment is received.

4. Cancellations & Refunds

Due to the personalized nature of the Beauty Business Audit, all sales are final and non-refundable. You may reschedule your session with at least 24 hours’ notice. No-shows or late cancellations will forfeit the session.

5. Intellectual Property

All content provided during your session, including worksheets, plans, and frameworks, is the intellectual property of Cosmina Marginean. You may use the materials for personal use only. Redistribution or resale is not permitted.

6. Limitation of Liability

We make no guarantees of specific business outcomes. Your results depend on your effort, implementation, and external factors beyond our control. We are not liable for any damages or losses resulting from the use of our services.

7. Governing Law

These Terms are governed by the laws of Norway and the European Union (GDPR compliance). Any disputes will be handled in the applicable courts of jurisdiction in Bergen, Norway.

Privacy Policy

Last Updated: March 29, 2025

1. Overview

This Privacy Policy explains how Cosmina Marginean collects, uses, and protects your personal information when you visit our website, book services, or subscribe to our newsletter.

2. Information We Collect

We may collect the following information:

• Name, email address, and phone number

• Payment and billing information (processed via secure third parties)

• Business details you share during coaching or intake

• Website usage data via cookies or analytics tools

3. How We Use Your Information

Your information is used to:

• Deliver services and coaching sessions

• Communicate with you about bookings, updates, and offers

• Send newsletters or marketing emails (you can unsubscribe anytime)

• Improve our website and offerings

We do not sell or share your information with third parties for marketing purposes.

4. Data Protection

We take data security seriously. Your data is stored on secure platforms and accessed only by authorized personnel. We comply with GDPR regulations and offer the right to access, update, or delete your data upon request.

5. Cookies

We may use cookies to improve website performance and track anonymous user behavior. You can control or disable cookies in your browser settings.

6. Your Rights

As an EU citizen, you have the right to:

• Access your data

• Request corrections or deletion

• Withdraw consent for marketing

• File a complaint with your local data protection authority

7. Contact Us

For questions about your data or these policies, contact:
hello@cosminamarginean.com