Terms of business

NATURE OF THE SERVICE AND CONTENT DELIVERY

1.1. Delivery Method (E-mail delivery):
The Company does not use an external learning platform with user accounts. All course content (in the form of direct files, video links, or digital materials) will be sent directly to the email address provided by the customer at the time of purchase.

1.2. Delivery Timeframe:
Content will be delivered automatically or manually within 1–24 hours after successful payment (or first installment). The Company’s obligation is considered fulfilled at the moment the email containing the content leaves the Company’s server.

1.3. Customer Responsibility for Data:
The Customer is solely responsible for providing a correct and functioning email address. The Company is not responsible for undelivered content due to:

incorrectly entered email address;
full email inbox;
spam/junk filters blocking the message (customers are advised to check all folders).

1.4. Content Storage and Backup:
Since content is delivered directly to the customer, the Company does not guarantee permanent storage on its servers after delivery. The customer is responsible for safely storing the received content. In case of loss after 30 days, the Company is not obligated to resend materials without proof of purchase.

1.5. Proof of Delivery:
In case of disputes, server logs (from the Company or email provider) showing that the message was sent to the customer’s address shall be considered valid proof of delivery.

2. PRICING AND PAYMENT TERMS

2.1. Prices and Currency:
All prices are listed in AED or USD. The Company reserves the right to change prices at any time without prior notice, but changes do not affect already confirmed and paid orders.

2.2. Payment Methods:
The Company offers two payment options:

Online payment(Stripe): Visa, Mastercard, and other supported cards. Payment is processed immediately.
Bank Transfer: The customer receives an invoice with UAE bank details. All banking fees are fully borne by the customer.

2.3. Delivery Based on Payment Method:

Stripe: Course is sent automatically or as soon as possible after payment authorization.
Bank Transfer: Course is sent only after full payment is received. Payment confirmation alone is not sufficient.

2.4. Installment Payments (Stripe):
If installment payments are enabled, the customer is obligated to complete all payments. Content is delivered after the first installment, and stopping further payments is not allowed.

2.5. Transaction Security:
The Company does not store or access payment card data. All transactions are securely processed via Stripe (PCI DSS compliant).

3. REFUND & CANCELLATION POLICY

3.1. Nature of Digital Content:
The customer acknowledges that courses are digital content delivered in intangible form. Once access is granted, the service is considered fully performed.

3.2. No-Refund Policy:
Due to the nature of digital goods and UAE business practices, all payments are final and non-refundable. No refunds, credits, or exchanges are provided, regardless of usage.

3.3. Explicit Consent:
By clicking “Purchase”, the customer agrees:

to waive the right of withdrawal once access is granted;
that no satisfaction guarantee or trial period applies unless explicitly stated.

3.4. Technical Issues:
If issues are caused by the Company, they will be resolved promptly. Customer-side issues (e.g., internet, hardware) are not grounds for refunds.

3.5. Termination Due to Violations:
If access is revoked due to violation (e.g., sharing content), no refund is granted.

4. INTELLECTUAL PROPERTY & COPYRIGHT

4.1. Ownership:
All content is the exclusive intellectual property of the Company and protected under UAE Federal Law No. 38 of 2021.

4.2. Limited License:
The customer receives a personal, non-exclusive, non-transferable license for educational use only.

4.3. Strict Prohibitions:
It is strictly prohibited to:

modify or create derivative works;
resell or distribute content;
use content for own courses or commercial products;
share login credentials;
record or publicly display content;
use materials for training others commercially.

4.4. Sharing Prohibition:
Publishing or sharing content (e.g., social media, WhatsApp, Telegram, Discord) is a serious violation.

4.5. Legal Consequences:
Violations may result in:

immediate termination without refund;
legal claims for damages;
reporting to UAE authorities.

5. DISCLAIMER & LIMITATION OF LIABILITY

5.1. Educational Purpose:
Content is for informational purposes only and does not constitute professional advice.

5.2. No Responsibility for Understanding:
Learning outcomes depend entirely on the customer.

5.3. Use of Knowledge:
The Company is not responsible for:

user mistakes;
financial or personal damages;
improper use of knowledge.

5.4. No Guarantee of Results:
No guarantees of success, income, or outcomes are provided.

5.5. Limitation of Liability:
The Company is not liable for any damages (direct or indirect).

5.6. Testimonials:
Results shown are exceptional and not typical.

5.7. Third-Party Links:
The Company is not responsible for third-party content or services.

5.8. Social Media Integration:
Use of third-party platforms is governed by their own terms.

6. PRIVACY POLICY

6.1. Compliance:
The Company complies with:

UAE PDPL;
EU GDPR;
UK GDPR;
US CCPA/CPRA.

6.2. Data Collected:

Name;
Email;
IP address;
Transaction data.

6.3. Legal Basis:

contract performance;
legal obligations;
legitimate interest;
consent.

6.4. International Transfers:
Data may be stored globally with safeguards (SCCs, encryption).

6.5. Data Sharing:
Only with necessary processors (Stripe, email providers, authorities).

6.6. UserRights:

access;
deletion;
correction;
objection.

6.7. Security & Retention:
Data stored securely and retained 5–10 years.

6.8. Cookies:
Only essential and analytical cookies are used.

6.10. DATA PROCESSING AGREEMENT (SUMMARY)

Purpose: transactions, delivery, support
Data: name, email, IP, payment status
Sub-processors: Stripe, email providers
Security: encryption, restricted access
Breach notification: within legal deadlines (72h EU)
Contact: [your email]

7. GOVERNING LAW & JURISDICTION

7.1. Governing Law:
Laws of the UAE (Dubai).

7.2. Dispute Resolution:
First amicable settlement.

7.3. Jurisdiction:

DIFC Courts (Small Claims Tribunal)
or Dubai Courts if necessary

7.4. Sanctions Compliance:
Services not available to sanctioned countries (OFAC).

7.5. Language:
Proceedings in English (DIFC).

8. CONTACT

For all inquiries:
Email: info@victorias-group.com

Last updated: March 2026

TERMS & CONDITIONS – Business Meetings (In-Person)

Welcome to www.victorias-group.com. These Terms and Conditions govern the purchase of educational consulting and services in the field of business and digital marketing. By making a purchase, the Customer fully agrees to the provisions below.

These Terms and Conditions (hereinafter: the “Terms”) govern the contractual relationship between Victorias Strategy Group L.L.C-FZ, registered in Dubai, UAE (hereinafter: the “Provider”), and the customer (hereinafter: the “Customer”).

1. General Provisionsand Definition of Services

Subject of the service: The Provider offers services involving the organization, execution, and management of in-person business meetings, consulting, and business networking at selected locations (UAE, EU, UK, USA, and others).
Acceptance of Terms: By submitting an order or paying a pro forma invoice, the Customer irrevocably confirms that they are familiar with these Terms and accept them in full.
Fixed Events: Meetings at pre-determined locations and dates.
Bespoke Meetings: Tailor-made meetings at a location and time determined by the Customer and confirmed by the Provider.

2. Booking Procedure and Formation of Contract

The contract shall be deemed concluded when the Provider sends the Customer written confirmation of the appointment (via email) and when the agreed payment has been received.

Reservationhold: Without received payment, the Provider is not obligated to reserve consultants’ time slots or logistical capacity.
Identity Verification (KYC): In accordance with UAE anti-money laundering legislation, the Provider reserves the right to request identification documents from the Customer before confirming cooperation.

3. Pricesand Payment Terms

Currency: The base business currency is USD (United States Dollar) or AED (UAE Dirham). If payment is made in EUR, the middle exchange rate of the Provider’s local bank on the invoice date shall apply.
Bank charges: The Customer bears all costs of international transactions and intermediary banks (OUR instruction), so that the Provider receives the full net amount in its account.

4. Logistics, Travel Costs, and Operational Expenses

Logistics costs are directly linked to the type of service selected:

4.1. Fixed Events

For pre-scheduled appointments, the consultant’s travel costs and logistics are already included in the participation fee. In this case, the Customer does not bear any additional travel costs for the consultant.

4.2. Bespoke Meetings

For meetings at a location and time chosen by the Customer, logistics costs are separate from the price of the service itself and are charged based on a pre-prepared quotation.

Payment terms for logistics: The full amount of logistics costs (or pre-agreed portions/installments) must be paid in accordance with the deadlines in the quotation, but no later than 14 days before the consultant’s planned departure from Dubai. The Provider is not obligated to make bookings (flights, hotels) until the funds have been received.
Travelcosts: Unless otherwise agreed in writing, the Customer fully covers:
Round-trip airfare (Business Class for all flights longer than 5 hours).
All local transport (transfers, taxis, car rental) at the destination.
Hotel accommodation of at least 4-star category or higher.
Visa procedures: The Customer is responsible for providing all invitations, guarantee letters, or other documentation necessary for the consultant to obtain an entry visa to the meeting country (e.g. USA, UK, EU). Any visa fees shall be charged to the Customer. The Customer must do so within the deadlines specified by the Provider (usually at least 30 days before travel).
Visa refusal or delay: If the consultant’s visa is not approved in time or is refused despite the Customer having provided the proper documentation, the event shall be treated as Force Majeure. In this case, the meeting shall be rescheduled to a new date at no additional service charge, while the Customer shall bear only any cancellation or change costs already incurred for logistics bookings (flights, hotels).
If the visa is not approved because the Customer failed to provide the required documentation within the agreed deadline, this shall be deemed a last-minute cancellation by the Customer (Clause 5), and no refund shall be possible.

4.3. Cancellation of Logistics Services

In the event of cancellation of a bespoke meeting by the Customer, any amounts already paid for logistics (airline tickets, hotels) are non-refundable, except to the extent permitted under the terms of the relevant service providers (e.g. refundable airline tickets), reduced by the Provider’s administrative costs.

5. Cancellation, Rescheduling, and No-Show Policy

Due to the nature of international travel and the limited availability of appointments, strict rules apply:

Cancellation by the Customer:
More than 30 days before the meeting: 80% refund (20% retained for administrative costs).
14 days before the meeting: 50% refund.
Less than 14 days before the meeting: No refundpossible.
Rescheduling: The Customer may request rescheduling no later than 14 days in advance. In such case, the Customer bears all costs arising from changes to travel reservations (rebooking fees).
No-show: If the Customer does not appear at the agreed location within 60 minutes of the scheduled time, the service shall be deemed performed and no refund shall be available.

6. Limitation of Liability

Educational nature of the content: All information provided in the course is for educational and informational purposes only. The Company does not provide individualized consulting, mentoring with guaranteed outcomes, or professional services tailored to the Customer’s specific circumstances.
Responsibility for comprehension and understanding: The Company assumes no responsibility for the Customer’s subjective comprehension. The speed of learning, understanding of the material, and the ability to interpret the information provided depend entirely on the Customer’s individual cognitive abilities, prior knowledge, and effort. The Company does not guarantee that the Customer will actually master the presented knowledge after receiving the materials.
No Earnings/SuccessGuarantee: The Company makes no promises, assurances, or guarantees regarding the achievement of specific results (e.g. financial income, advancement, project success). Any results presented as examples in the course are purely illustrative and do not represent average or guaranteed returns. Each individual’s success depends on their background, dedication, and external market factors.
Limitation of liability for damages: The Company shall not be liable for any direct, indirect, incidental, or consequential damages (including loss of profit, data, or business interruption) arising from the use of the received materials.
Implementation of knowledgein practice: The Customer is fully and solely responsible for how they use or implement the knowledge obtained in the course. The Company is not responsible for:
any mistakes made by the Customer in attempting to apply the learned strategies or methods;
any damage (business, financial, or personal) arising from the Customer’s decisions based on information from the course or consulting;
inappropriate use of the knowledge in environments where such knowledge may not be suitable or lawful.
Force Majeure: The Provider shall not be liable for failure to perform obligations due to events beyond its control, including but not limited to: sandstorms, extreme weather conditions in the UAE, flight cancellations, strikes, epidemics, or sudden changes in visa policies of countries.
Meeting outcomes: The Provider ensures professional execution, but does not guarantee specific business outcomes or the conclusion of agreements with third parties.
Testimonials: All success stories or case studies published on our website or in our courses are exceptional individual results and do not represent an “average” result. These examples are not intended as a guarantee that you will achieve the same or similar results. The success of past customers does not predict your future success.
Links to otherwebsites: Our service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over the content, privacy policies, or practices of any third-party websites or services and assumes no responsibility for them. Furthermore, you acknowledge and agree that the Company shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services you visit.
5.8. Loginvia social media and connected accounts: If the service allows you to log in, connect, or otherwise interact with a third-party social media service, you authorize the Company to access and use the information made available by that service in accordance with our Privacy Policy and your settings with that service. The Company does not control and is not responsible for the availability, accuracy, or content of any third-party social media service, and your relationship with that service is governed by its own terms and policies.

7. PRIVACY POLICY

The Provider undertakes to protect the personal data and privacy of customers in accordance with the laws of the United Arab Emirates (UAE Federal Decree-Law No. 45 of 2021) and the GDPR for customers based in the European Union.

Data collection: The Provider collects personal data (name, contact details, company details, copies of identification documents) that are strictly necessary for the performance of the service, compliance with legal identity verification obligations (KYC), and logistical organization (flight bookings, hotel bookings, and visa procedures).
Purpose of processing: Data is processed exclusively for the purposes of communication, performance of consulting services, invoicing, and ensuring transaction security. By registering, the Customer agrees that their data (e.g. name, passport number) may be provided to third-party providers (airlines, hotels, visa centers) if necessary for the performance of the service.
Confidentiality of information: The Provider and the Customer undertake to treat all business information, strategies, and documentation obtained in the course of meetings as strictly confidential. Such information may not be disclosed to third parties without the prior written consent of the other party, except where required by competent government authorities.
Storage and rights: Data is retained for as long as necessary to fulfill the purpose for which it was collected or as required by UAE tax and accounting regulations. The Customer has the right to request access to, correction of, or deletion of their personal data, insofar as this does not conflict with the Provider’s legal obligations.
Security: The Provider uses appropriate technical and organizational measures to protect data against unauthorized access, loss, or misuse.

8. Governing Law and Dispute Resolution (Jurisdiction)

Governing law: These Terms shall be governed by the laws of the United Arab Emirates, as applied in the Emirate of Dubai.
Dispute resolution: The parties shall attempt to resolve any disputes amicably. If this is not possible, the following shall have exclusive jurisdiction:

DIFC Courts (Dubai International Financial Centre), which operate in English and are recommended for international customers; or
Dubai Courts.

9. CONTACT INFORMATION

For all questions, deletion requests, or privacy-related information, contact us at:
Email: info@victorias-group.com

Last updated: March 2026

TERMS AND CONDITIONS – Online Consulting and Education

Welcome to www.victorias-group.com. These Terms and Conditions govern the purchase of online courses conducted via video calls and online consulting services in the field of digital marketing. By making a purchase, the Customer fully agrees to the provisions below.

1. NATURE OF THE SERVICES AND METHOD OF DELIVERY (LIVE VIDEO CALL DELIVERY)

1.1. Live Online Courses (Live Video Sessions):
Courses are provided exclusively as interactive real-time educational sessions via secure video platforms (e.g. Zoom, Google Meet).

No file delivery: The purchase of a course does not include the transfer of ownership of digital files, PDF materials, or pre-recorded videos, unless expressly stated in the description of an individual module as “included materials.”
No permanent recordings: The Company does not provide recordings of completed calls for later viewing. The service shall be deemed fully performed upon completion of the live video session.

1.2. Tailored Online Consulting (Tailored Video Consulting):
Consulting is a service based on direct communication and the analysis of the Customer’s specific needs during the call.

Advisory nature: The service includes the transfer of strategic knowledge, answering questions, and providing recommendations.
Limited to the call: Consulting does not include written reports, analyses, or plans after the end of the call, unless such an additional service was specifically purchased and paid for.

1.3. Distinction Between Education and Operational Execution (No Agency Services):
All services are exclusively educational and advisory in nature.

Independent implementation: The Company provides the Customer with knowledge and strategies (“know-how”), but does not undertake operational execution (e.g. ad setup, profile management, technical code implementation).
Customer responsibility: The Customer is solely responsible for entering and applying the received information in their own digital environments. The Company does not act as a marketing agency and does not guarantee the technical flawless operation of the Customer’s systems.

1.4. Participant Identification:
Video calls may only be attended by persons who purchased the service (the license holder). The Company reserves the right to immediately terminate the call without refund if it detects the presence of unauthorized persons or if the Customer attempts to record the call without authorization.

2. PRICING AND PAYMENTS

2.1. Valid Prices and Currency:
All prices are stated in [AED or USD]. The Company reserves the right to change prices at any time without prior notice. The country of domicile of the Company is the United Arab Emirates (UAE).

2.2. Payment Methods:
The Company offers secure payment through the following channels:

Credit and debit cards (Stripe): We accept Visa and Mastercard. All card data is encrypted and processed directly through Stripe. The Company does not store and has no access to your payment card details (“Card details will NOT be stored, sold, shared or rented to any third parties”).
Bank Transfer: The Customer receives payment details for transfer to the Company’s bank account in the UAE. Access to video calls or courses is granted only after receipt of the full amount in the account.

2.3. Banking Fees and International Transfers:
In case of bank transfer payment (SWIFT/SEPA), the Customer is required to bear all banking costs, including fees charged by their own bank and intermediary banks. The Company must receive the net amount in full value of the service in its UAE bank account. Otherwise, the service will not be performed until the difference is paid.

2.4. Installment Payment Obligation:
Where installment payments via Stripe are enabled, the Customer undertakes to pay all installments in full and on time.

Since the service (knowledge transfer and consulting) is performed in full during the video calls, the Customer has no right to terminate or cancel the remaining installments after the first call has been completed.
In the event of a failed installment payment, the Company reserves the right to immediately suspend access to further consulting until the outstanding amount is settled.

3. PERFORMANCE OF SERVICES, APPOINTMENTS, AND CANCELLATION POLICY

3.1. Delivery of Call Link:
After payment confirmation (via Stripe or upon receipt of funds by bank transfer), the Customer will receive, either automatically or manually, a link to access the video call (e.g. Zoom, Google Meet) at the provided email address. The Customer is required to check their Spam folder.

3.2. Booking and Fixed Appointments:
Each appointment for a live course or consulting session represents a reservation of the consultant’s professional time. The appointment is considered confirmed only once fully paid.

3.3. Cancellation and Rescheduling Policy (Refund & Rescheduling):
Due to the nature of time reservation, the following strict conditions apply for cancellation or rescheduling:

More than 48 hours before the appointment: The Customer is entitled to one (1) free rescheduling to another available date.
Less than 24 hours but more than 8 hours before the appointment: In case of cancellation or a request to reschedule by the Customer, the Company retains 50% of the value of the booked service as compensation for the reserved appointment.
Less than 8 hours before the appointment or no-show: If the Customer does not attend the call or cancels less than 8 hours before the scheduled start, the full value (100%) of the appointment will be charged. No refund, credit, or free rescheduling is possible in this case.

3.4. Late Arrival:
In the event of the Customer’s late arrival to the video call, the delayed time shall be deducted from the total scheduled duration of the appointment. The session shall end at the originally scheduled time, and the price remains unchanged (no partial refund).

3.5. Technical Functionality and Responsibility:
The Customer is fully responsible for ensuring a stable internet connection and functioning hardware/software (camera, microphone, and the appropriate calling platform).

Technical issues on the Customer’s side (e.g. internet outage, sound problems) are not valid grounds for a refund, extension of the appointment, or a free repetition of the service.
In the event of technical issues on the Company’s side, the Company undertakes to offer the Customer a replacement appointment as soon as possible at no additional cost.

4. STRICT NO-REFUND POLICY

4.1. Nature of the Real-Time Digital Service:
The Customer expressly agrees and understands that the Company’s services (online courses and consulting via video calls) are by their nature non-refundable. Since the service consists of the transfer of specific expert knowledge, strategies, and intellectual property in real time, it is technically impossible to “return” or “cancel” the service once delivered.

4.2. Finality of the Performed Service:

After completion of the call: As soon as the video call (course or consulting session) is concluded, a refund is under no circumstances possible. The service shall be deemed fully performed at the moment the consultant devotes their time and provides the information to the Customer.
Partial refunds: The Company does not provide partial refunds for unused time within an individual appointment if the Customer decides to end the call early.

4.3. No Satisfaction or Results Guarantee:
The Company does not provide a “Satisfaction Guarantee” or the option of a refund based on the Customer’s subjective assessment of the usefulness of the information provided.

The Customer’s comprehension of the subject matter and subjective satisfaction depend on individual factors over which the Company has no control.
Payment relates to access to professional time and knowledge, not to a specific emotional or business outcome for the Customer.

4.4. Loss of the Right of Withdrawal:
By purchasing and booking an appointment, the Customer expressly agrees that the service begins immediately (through the reservation of the consultant’s time and preparation for the call), whereby, in accordance with international standards for digital services, the Customer loses the right to withdraw from the contract and obtain a refund once the service has begun or has been fully performed.

4.5. Complaint Procedure:
In the exceptional event that the video call was not carried out due to a demonstrable technical fault on the Company’s side, the Customer shall not receive a refund, but shall instead be offered a replacement appointment as soon as possible.

5. INTELLECTUAL PROPERTY AND STRICT RECORDING PROHIBITION

5.1. Exclusive Ownership of Content:
All materials, methodologies, marketing strategies, visual displays, processes, and orally delivered knowledge during the video call are the exclusive intellectual property of the Company. The purchase of the service grants the Customer only a limited, personal, and non-transferable license to use this information for their own needs or the needs of their own company.

5.2. Strict Prohibition of Recording (Audio & Video):
Recording video calls (audio or video) by the Customer is strictly prohibited. This includes the use of built-in recording functions on platforms (Zoom, Meet, etc.), the use of external screen capture software, or recording by means of auxiliary devices (e.g. a mobile phone).

Violation of this prohibition shall be considered a serious breach of contract and UAE privacy law. In the event of detected recording, the Company reserves the right to immediately terminate the call without refund and initiate legal proceedings.

5.3. Prohibition of Modification and Resale (No Derivative Works):
The data, strategies, and methodologies obtained during the call may not be:

Modified: altered for the purpose of creating the Customer’s own products or courses.
Resold: sold in original or modified form to third parties.
Publicly disclosed: shared in part on social media, forums, or groups for content sharing.

5.4. Protection of Trade Secrets:
All specific techniques and “know-how” disclosed during consulting shall be considered the Company’s trade secret. The Customer undertakes not to use this information for the development of competing activities or for consulting third parties in the field of digital marketing.

5.5. Legal Consequences of Violations:
Any unauthorized distribution or resale of information shall be prosecuted in accordance with UAE law. The Company shall seek full compensation for business damage and lost profits resulting from the unauthorized use of its intellectual property.

6. DISCLAIMER AND LIMITATION OF LIABILITY

6.1. No Guarantee of Earnings or Success:
The Company provides knowledge, strategies, and methodologies, but gives no guarantees (express or implied) regarding the achievement of specific business results, financial profit, sales growth, or the success of the Customer’s marketing campaigns.

Influence of third parties: Digital marketing depends on the algorithms, policies, and pricing of third-party platforms (e.g. Google, Meta, TikTok), over which the Company has no control.
Past results: Any examples of success that may be presented during consulting or in the course are illustrative only and do not constitute a promise of the same results for the Customer.

6.2. Subjective Understanding and Comprehension:
The Company is not responsible for the Customer’s level of understanding of the material, strategies, or technical instructions provided.

Individual ability: Understanding and the ability to interpret information depend on the Customer’s prior knowledge, cognitive abilities, and the time devoted to learning.
The Company does not guarantee that the Customer will be able to independently and error-free carry out marketing processes after the video call.

6.3. Sole Responsibility for Implementation:
Any use of advice, strategies, or technical settings in practice is the sole and full responsibility of the Customer.

Operational risk: The Company is not liable for any business damage, loss of advertising budget, suspension of user accounts (Ad Accounts), or other negative consequences resulting from the Customer’s implementation of the advice.
Technical errors: The Customer independently manages their digital tools. The Company is not responsible for data entry errors, incorrect targeting settings, or improper use of creative solutions by the Customer.

6.5. Testimonials:
All success stories or case studies published on our website or in our courses are exceptional results of individuals and do not represent an “average” result. These examples are not intended as a guarantee that you will achieve the same or similar results. The success of past customers does not predict your future success.

6.6. Links to Other Websites:
Our service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Furthermore, you acknowledge and agree that the Company shall not be responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance upon any such content, goods, or services available on or through such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6.7. Social Media Login and Connected Accounts:
If the service allows you to log in, connect, or otherwise interact with a third-party social media service, you authorize the Company to access and use the information made available by that service in accordance with our Privacy Policy and your settings with that service.
The Company does not control and is not responsible for the availability, accuracy, or content of any third-party social media service, and your relationship with such service is governed by its own terms and policies.

7. DATA PRIVACY & PROTECTION

7.1. Compliance with International Laws:
The Company processes personal data in accordance with the highest global privacy standards, including:

UAE: Federal Decree-Law No. 45/2021 on the Protection of Personal Data (PDPL).
EU and UK: General Data Protection Regulation (GDPR) and UK Data Protection Act.
USA: California Consumer Privacy Act (CCPA/CPRA) and other relevant state regulations.

7.2. Privacy and Confidentiality of Video Calls:
All communication, strategies, and specific business data disclosed by the Customer during the video call (online course or consulting) are treated as strictly confidential.

The Company undertakes not to disclose, sell, or transfer this information to third parties.
The only exception shall be where disclosure is required by law or requested by competent authorities in the UAE.

7.3. Payment Data Security (Stripe Compliance):
The Company uses the Stripe platform for the secure processing of all credit and debit card transactions.

No card storage: The Company does not store, sell, or have access to your payment card details, security codes (CVV), or expiry dates.
“All credit/debit cards’ details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.”

7.4. Types of Collected Data and Purpose:
We collect only the data necessary to perform the service: first name, last name, email address (for delivery of the call link), and transaction data. Data is retained only as long as necessary to fulfill the contract and tax obligations in the UAE.

7.5. Data Subject Rights:
Regardless of your location, the Company guarantees your right to access, correct, or delete your personal data. Requests related to privacy may be sent to: [your email address].

7.6. International Data Transfer:
The Customer agrees that their data may be transferred to and processed on servers outside their home country (including servers in the UAE, USA, or EU) necessary for the operation of Stripe and email services, with all security mechanisms in place (SCCs).

8. GOVERNING LAW & JURISDICTION

8.1. Governing Law:
These Terms, their interpretation, and all legal claims arising from the use of the services (online courses and consulting) shall be governed by the laws and regulations of the United Arab Emirates (UAE), as applied in the Emirate of Dubai.

8.2. Dispute Resolution Through DIFC Courts (Jurisdiction):
Any disputes, disagreements, or claims arising out of or in connection with this agreement (including questions regarding its existence, validity, or termination) shall first be resolved amicably between the Company and the Customer. If an amicable resolution is not possible:

Exclusive jurisdiction: Disputes shall be resolved before the courts of the Dubai International Financial Centre (DIFC Courts).
Small Claims Tribunal (SCT): For disputes not exceeding AED 500,000 in value, the SCT procedure shall apply, allowing fast dispute resolution via video link and in English, ensuring accessibility also for international customers (EU, USA, UK).

8.3. Compliance with International Sanctions (OFAC):
The Company, based in the Meydan Free Zone (UAE), strictly complies with international anti-money laundering regulations and sanctions.

Prohibition of business: The Company will not conduct business, provide services, or accept payments from persons, companies, or entities located in countries subject to OFAC or other international sanctions.
If it is established that the Customer is on a sanctioned entities list, the Company reserves the right to immediately terminate the service without refund.

8.4. Language and Communication:
The official language for the interpretation of these Terms and for all legal proceedings is English. In the event of any discrepancies between the Slovenian translation and the English original (published on the website for Stripe verification purposes), the English version shall prevail.

9. CONTACT INFORMATION

For all questions, deletion requests, or privacy-related information, contact us at:
Email: info@victorias-group.com

Last updated: March 2026