Terms of service

TERMS OF SERVICE / PUBLIC OFFER AGREEMENT
Last updated: [03.12.2025]

This Public Offer Agreement (“Agreement”, “Terms of Service”) governs access to and use of digital products, coaching services, subscriptions, online and offline events, merchandise, video art, aesthetic content, and other materials provided through catrin-ray.com (“Website”).

The Website is operated by:
Individual Entrepreneur Catrin Ray
Primary State Registration Number: 325470400131240
Taxpayer Identification Number: 780537423586
Registered address: Leningrad Region, Sosnovy Bor, Krasnykh Fortov Street, 18–8, Russia
Email: hello@catrin-ray.com
(“Provider”, “we”, “us”, “our”).

By accessing or using the Website, purchasing any product or service, or making any payment, you (“User”, “Client”, “you”) accept this Agreement in full.
If you do not agree, you must discontinue using the Website immediately.

1. Scope of the Agreement
This Agreement applies to all services and content offered on the Website, including:

Digital products (courses, guides, audio, video, educational materials)
Video art and aesthetic sensual content
Online and in-person masterclasses
Coaching, mentorship, private consulting
Subscriptions and membership access
High-ticket programs and personalized experiences
Merchandise (physical products)
Tickets to events and workshops
Any additional services or content delivered through the Website

All services are provided on a prepaid basis.

2. Eligibility and Age Requirement (18+)
You must be at least 18 years old to access or purchase content on the Website.
The Website may contain sensual, aesthetic, intimate, erotic, or adult-oriented content intended exclusively for adults.
By using the Website, you confirm that you are legally permitted to view such content according to your local laws.

3. Digital Content and Access Rules
3.1. Digital products are provided in electronic form only.
3.2. Access is granted immediately upon successful payment, unless otherwise specified.
3.3. Digital products may not be downloaded, copied, resold, transferred, distributed, or shared.
3.4. Unauthorized distribution of materials is strictly prohibited and may result in legal action.
3.5. Access duration may vary depending on the product and is indicated on the product page.
3.6. Users are responsible for ensuring they have adequate devices and internet access.

4. Coaching, Mentorship, High-Ticket Programs
4.1. Coaching and mentorship services are personal, transformative, time-based and non-tangible by nature.
4.2. Preparatory analytical work, energy work, and creative development performed by the Provider constitute part of the service.
4.3. All coaching, mentorship, private programs, VIP offers, and exclusive experiences are non-refundable (see Section 10).
4.4. The Client acknowledges a personal responsibility for their results and outcomes.
4.5. We do not provide medical, psychological, psychiatric, therapeutic, legal, or financial services.

5. Events and Workshops
5.1. Tickets to events (online or offline) are delivered in digital form.
5.2. Event tickets are non-refundable, unless the event is fully canceled by the Provider.
5.3. Rescheduling or postponement does not require a refund.
5.4. The Provider may deny access to an event if the Client violates safety, ethical, or behavioral guidelines.

6. Payments
6.1. The Website supports multiple payment methods, including:

Tinkoff acquiring (Russia)
CloudPayments (international and Russian cards)
PayPal personal transfers
Destream contributions
Cryptocurrency payments via third-party processors
Other methods as listed on the Website

6.2. Payment is considered completed when confirmed by the payment processor.
6.3. Access to content or services is granted only after payment confirmation.
6.4. Prices are listed in RUB or USD unless otherwise specified.
6.5. Any fees charged by payment providers are the responsibility of the Client.
6.6. For crypto, PayPal personal and donation-based payments, see Section 11.

7. Taxes
Clients are responsible for any taxes applicable in their jurisdiction.
The Provider pays taxes according to the laws of the Russian Federation as an Individual Entrepreneur.

8. Intellectual Property
8.1. All content on the Website is the exclusive intellectual property of the Provider.
8.2. Users receive a limited, non-exclusive, non-transferable license for personal use only.
8.3. Prohibited actions:

sharing materials
public broadcasting
recording coaching sessions
distributing screenshots or excerpts
resale of any content
uploading materials to third-party platforms

Violation may result in immediate termination of access without refund and legal claims.

9. User Obligations
You agree to:

provide accurate information
not engage in harassment, abuse, or inappropriate behavior
not attempt unauthorized access
not use the Website for illegal purposes
respect the Provider’s intellectual property

10. Refund Policy (Strict)
10.1. Digital products are non-refundable once access is granted.
10.2. High-ticket programs, coaching, mentorship, VIP sessions, and personalized services are non-refundable under any circumstances.
10.3. Installment plans remain due in full, even if the Client discontinues participation.
10.4. Event tickets are non-refundable, except in case of event cancellation.
10.5. The Client accepts full responsibility for purchasing decisions.
10.6. Chargebacks are strictly prohibited. Attempted chargebacks constitute a breach of contract.
This policy ensures protection against digital fraud, unauthorized consumption of content, and misuse of high-ticket programs.

11. Crypto, PayPal Personal and Donation-Based Payments
11.1. Payments made via:

cryptocurrency,
PayPal personal transfers,
Destream or similar platforms,

are treated as voluntary contributions.

11.2. Such payments:

are irrevocable,
are not eligible for refunds,
may not be contested,
fall outside traditional consumer protection regulations.

11.3. Blockchain transactions may include additional fees, delays or volatility, for which the Provider is not responsible.

12. Termination of Access
We reserve the right to suspend or terminate access to content, subscriptions or events in cases of:

violation of these Terms
intellectual property infringement
abusive or harmful behavior
fraud or attempted chargeback

Termination does not entitle the Client to a refund.

13. Disclaimer
13.1. The content on the Website is artistic, aesthetic, educational, sensual, and self-development oriented.
13.2. It is not intended as a substitute for medical, psychological, psychiatric, therapeutic, or legal advice.
13.3. Results may vary; the Provider does not guarantee specific outcomes.

14. Limitation of Liability
To the maximum extent permitted by law:

the Provider is not liable for technical failures of third-party services
the Provider is not responsible for financial losses, emotional distress, missed expectations or indirect damages
the Provider’s total liability shall not exceed the amount paid for the product or service

15. Governing Law and Dispute Resolution
15.1. This Agreement is governed by the laws of the Russian Federation.
15.2. Disputes shall first be addressed through written communication: hello@catrin-ray.com
15.3. If not resolved within 30 days, disputes shall be submitted to the competent court in the Provider’s region of registration.

16. Changes to the Agreement
We may update these Terms at any time.
Updates take effect upon publication on the Website.
Continued use indicates acceptance of changes.

17. Contact Information
Individual Entrepreneur Catrin Ray
Email: hello@catrin-ray.com
Website: https://catrin-ray.com