Terms & Conditions

Last updated: October 12, 2026

1. About these terms

These terms explain what you get when you buy from Glow & Grow Anyway, how payment works, and what happens if you or I need to cancel. Please read them, along with the offer page for what you're buying, before you pay.

Who I am

Glow & Grow Anyway is run by me, Daniela Pavlova, a self-employed professional registered in Bulgaria.

Website: https://www.glowandgrowanyway.com
Email: dani@glowandgrowanyway.com
Postal address: 3 Green Field St, 1756 Sofia, Bulgaria

Who can buy

You must be at least 18 years old to buy from me.

What makes up our agreement

Our agreement is made up of these terms, the offer page for what you buy, and your order confirmation email. If an offer page gives you better terms than this page does, the offer page applies. Any change made just for you needs to be agreed in writing.

Your legal rights come first

Nothing in these terms takes away rights you have under the law that applies to you. When these terms say I don't offer a refund, they mean a voluntary refund for a change of mind. Your legal rights still apply.

Words used in these terms

In writing includes email.
Weekdays means Monday to Friday, excluding Bulgarian public holidays.
Session means a live call or workshop that's part of what you bought. The free Build It Right fit call isn't a session.
EEA means the European Economic Area: the 27 EU countries plus Iceland, Liechtenstein, and Norway. Switzerland isn't part of the EEA.

2. Buying and paying

You pay in full when you book, unless the offer includes a payment plan. Our agreement starts when I confirm your order by email.

How you buy

Each offer page explains what you receive, how it's delivered, and any time limits on access. You book and pay for the workshop and the Idea Investigation through my online store. For Build It Right, you book a free fit call first, and we arrange payment after the call.

You can check and correct your order before you pay. If you spot a mistake after paying, email me so I can fix it.

Your confirmation

After your payment goes through, I send a confirmation email with a copy of these terms. Please keep it for your records. These terms and our agreement are in English.

Prices

Prices are in U.S. dollars unless the offer page says otherwise. The total price, including any taxes that apply, is shown before you pay. I cover my payment-processing fees. Your bank or card provider may charge you separately for currency conversion or foreign transactions.

If my prices change after you book, your price stays the same. Discounts, promo codes, and credits follow the conditions I announce with them. Joining a waitlist doesn't commit you to buying.

Your purchase doesn't include software, advertising, or other costs for your own business, unless the offer page says it does.

Payment plans

A payment plan splits one agreed total into set installments. It's not a subscription, and it doesn't renew. You see the amounts and due dates before you agree to it. When you choose a payment plan, you agree to pay the full total.

Cancellations and refunds

Section 7 explains cancellations and refunds for all clients. Section 8 explains the extra rights you have if you live in the EU, EEA, or UK.

3. The Idea Stress Test Workshop

The workshop is a live group session where you work on your own idea. It comes in two versions.

Standard includes:

A 90-minute live workshop
Up to 30 minutes of Q&A after the workshop
A printable and fillable workbook
30 days of replay access

VIP includes everything in Standard, plus:

An additional 60-minute Customer Conversation Lab a few days after the workshop, plus up to 30 minutes of Q&A
The Customer Conversation Kit
Lifetime replay access for both sessions, instead of 30 days

Dates and joining

Your booking confirmation gives the session dates, time zone, and joining instructions. Please check what time that is where you live.

Replays

Each replay period starts when that session's recording becomes available. If you miss a live session, you still get the replay for the usual period. Missing a session doesn't extend your replay access. For VIP, lifetime replay access means you can watch the replays for as long as I host them. If I ever stop hosting them, I'll give you at least 30 days' notice and a way to download your own copy. Section 10 explains how recordings work.

What group sessions don't include

Group exercises and Q&A don't include a personal investigation of your idea or an individual review of your work.

Moving to another date

Section 7 explains transfers, cancellations, and refunds.

4. The Idea Investigation

The Idea Investigation is personalized research on one business idea. It ends with a clear recommendation: Build, Modify, or Walk Away.

What's included

An intake questionnaire.
A 60-minute video consultation (your intake call).
Up to seven days of research, starting after your intake call.
A written Findings Report with my recommendation, the reasons for it, and a practical 30-day starting plan.
Up to two alternative directions, if the evidence doesn't support your original idea.
A 30-minute results call, which we arrange together after you've read your report.

What's not included

Customer interviews, live sales tests, building the business, and research after your report is delivered. Alternative directions don't come with their own full investigation.

What I need from you

Return your completed questionnaire at least 48 hours before your intake call. If it arrives late or incomplete, your intake call moves to the next available time, and your report date moves with it. Please answer accurately and reply to my follow-up questions, because the schedule depends on both.

If your idea isn't specific enough for me to research, I'll tell you after reading your questionnaire. Your booking stays in place, and we reschedule your intake call within 60 days.

Moving your intake call

Section 7 explains how to move your intake call and what happens if you miss it. A missed call doesn't count as the service being delivered.

About the recommendation

Modify and Walk Away are real possible outcomes, and they're part of the service. My research looks at the evidence available. It can't prove that customers will buy.

5. Build It Right 90-Day Implementation Program

Build It Right is 90 days of one-on-one support to turn a researched direction into an offer and a plan for reaching customers. It starts with a free fit call. If we agree to work together, I send you a written client agreement with your start date, price, and payment schedule before you pay. The agreement can add detail, but it can't take away anything these terms give you.

What's included

12 weekly 60-minute calls
Written next steps after each call
The AI prompts included in the program
Recordings of your calls, for your private review
Support between calls, with replies within 48 hours, counting weekdays only

How the work is shared

I guide, and you build. You do the work between calls, at a pace we set together in your first week. Launch dates are working goals. I can't guarantee a finished business or sales by a particular date.

Moving a call

Tell me before a call if you need to move it, and we'll find a new time. If you miss a call without telling me, that call counts as used.

Pause weeks

You can take one pause week per program month, up to three in total. Each pause week moves your end date back by one week. To take two pause weeks in a row, ask me first.

Long pauses

A long pause stops your program and keeps your remaining calls and support for you. It happens in one of two ways:

You ask for it because a serious emergency stops you from continuing.
I pause your program because two weeks have passed with no participation or contact from you. I will let you know in writing when this happens.

You can have one long pause per program, at no extra cost. You have six months from the pause date to restart. We agree on your restart date and new end date in writing. If you don't restart within six months, your unused calls and support expire without a refund. Delays caused by my availability don't count toward the six months.

Installments

If you pay in installments, the due dates stay the same during any pause, unless we agree otherwise. If an installment is late, I let you know and may pause calls and support until it's paid. A pause for late payment doesn't move your end date.

If you stop taking part, your payment plan isn't canceled automatically. Section 7 and Section 8 explain when you can cancel.

When support ends

Support ends on your program end date, including any agreed extensions. Further support needs a new agreement.

6. Digital products

Each digital product's offer page explains the file format, how you get it, how long you can access it, and any software you need. You need a suitable device and internet connection. Unless the offer page says otherwise, a digital product doesn't include coaching, personal feedback, or future editions.

If a file is missing, damaged, or won't open, email me and I'll replace it or fix the problem.

Workbooks and kits that come with the workshop or a program are part of that service. They follow that service's cancellation rules, not the rules for digital products.

Free resources, such as the AI Business Idea Finder, are for your own use. Section 13 explains what you can do with my materials.

7. Cancellations and refunds for all clients

You can cancel for a full refund until 48 hours before your first session. After that, I don't offer refunds for a change of mind, but you can still move your booking as explained below.

This section applies to everyone. If you live in the EU, EEA, or UK, Section 8 gives you extra rights. Where the two sections lead to different results, you get the one that's better for you.

The Idea Stress Test Workshop

Cancel at least 48 hours before the workshop: full refund.
Tell me at least 48 hours before any session, and I move you to that session in the next cohort at no extra cost.
With less notice, you can transfer your booking once to another available date. No refund.
A transferred booking can't be refunded for a change of mind.
If you miss the workshop without transferring, you keep your replay access.

The Idea Investigation

Cancel at least 48 hours before your intake call: full refund.
Move your intake call once, with at least 48 hours' notice. You can still cancel for a full refund until 48 hours before the new time.
With less notice, or if you miss your intake call: no refund, but I offer you the next available time.
After your intake call: no change-of-mind refunds.

Build It Right Coaching Program

Cancel at least 48 hours before your first program call: full refund.
Move your start date once, subject to availability.
After your first program call: no change-of-mind refunds. Section 5 explains pause weeks and long pauses.
If you leave early, your payment plan isn't canceled automatically. Any amount I keep or charge after a cancellation will be lawful and proportionate.

Digital products

Once you've downloaded or accessed a digital product, I don't offer change-of-mind refunds, unless its offer page says otherwise.

How to cancel or move a booking

Email dani@glowandgrowanyway.com with your name and what you bought. I confirm by email. I send refunds within 14 days of your request, to your original payment method.

8. Extra cancellation rights for clients in the EU, EEA, and UK

This section applies if you live in the European Union (EU), in Iceland, Liechtenstein, or Norway, or in the United Kingdom (UK). Together, the EU countries and Iceland, Liechtenstein, and Norway make up the European Economic Area (EEA). If you live anywhere else, including Switzerland, this section doesn't apply to you. Section 7 applies, along with any rights your local law gives you.

In the EU, EEA, and UK, the law gives you 14 days to cancel without giving a reason. I apply this section to everyone who lives there. Section 7 still applies to you, and you get whichever result is better for you.

In the EU and EEA, this right comes from the Consumer Rights Directive (2011/83/EU), as applied in Bulgaria by the Consumer Protection Act and in your country by its own law. In the UK, it comes from the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

How long you have

Your 14 days start the day after I confirm your order. To cancel in time, send your notice before the 14 days end.

If your service starts within the 14 days

I only start work during your 14 days if you ask me to. Before any work starts, you see an unchecked early-start box in your workshop booking form, your Idea Investigation questionnaire, or your Build It Right client agreement.

If you check it, you ask me to start during your 14 days, and you confirm that you understand two things: if you cancel within the 14 days, you pay for the part of the service I've already provided, and once I've fully delivered the service, you lose your right to cancel, even if 14 days haven't passed.
If you leave it unchecked, I don't start until your 14 days end. Any session scheduled in that period moves to a later date.

Booking a date or attending a call doesn't count as asking me to start early.

What you pay if you cancel after asking me to start

You pay for what I've provided before you cancel, in proportion to the full service. I stop work as soon as I receive your notice and tell you in writing what was completed and how I worked out your refund. I never keep more than the law allows.

The Idea Stress Test Workshop

Before the workshop takes place: full refund, even with less than 48 hours' notice. Receiving the workbook doesn't change this.
VIP, after the workshop but before the Customer Conversation Lab: I keep an amount in proportion to the live session time already held.
Once all your live sessions have taken place, the service is fully delivered and your right to cancel ends.

The Idea Investigation

Percentages are of the price you paid.

Before your intake call is completed: you get back 100%.
After your intake call, before research starts: I keep 20%, and you get back 80%.
During the research period: I keep 20%, plus a share of 50% matching the research days completed. You get back between 30% and 80%.
After research, before your Findings Report is delivered: I keep 70%, and you get back 30%.
After your Findings Report is delivered: I keep 90%, and you get back 10%.

For example, if you cancel after three of seven research days, I keep 20% plus three-sevenths of 50%, about 41% in total, and you get back about 59%. Once your results call has taken place, the service is fully delivered and your right to cancel ends.

Build It Right 90-Day Coaching Program

If you cancel within your 14 days after the program has started, I keep an amount in proportion to the program time already delivered. For example, if you cancel after one of twelve weeks, I keep one-twelfth of the total price. Installments that aren't yet paid are canceled. The free fit call doesn't count as program time.

Digital products

You can cancel within 14 days, unless you asked for immediate access and confirmed that you lose your right to cancel once access starts. I ask for that consent separately at checkout and confirm it by email. Accepting these terms isn't that consent.

Other services

For any other service I start at your request during your 14 days, I keep an amount in proportion to what I've provided.

How to cancel

Use one of three methods before your 14 days end:

The online cancellation function on my Withdraw from Contract page. It asks for your name, your order, and your email, then asks you to confirm.
An email to dani@glowandgrowanyway.com clearly stating that you're canceling.
The cancellation form at the end of these terms, sent by email.

I confirm by email that I've received your notice, with the date and time I received it.

Your refund

I refund you without undue delay and within 14 days of receiving your notice. I use your original payment method unless we agree otherwise. You don't pay any fee for the refund.

9. If I cancel or change your service

If I can't deliver what you paid for, you get a new date or a refund for the part I haven't delivered. You choose which.

If I need to move a session, I contact you as soon as I can to arrange a new time.
If illness, a serious technical problem, or another issue on my side stops me, I offer a new delivery date. If it doesn't work for you, I refund what I haven't delivered.
If I cancel a service you haven't started, I refund it in full.
If I cancel a service I've partly delivered, I refund the part I haven't delivered, or more if the law requires it.
If you've transferred a workshop booking and no later date is available, you can choose a full refund or another alternative you accept.

I won't make a significant change to what you bought without your agreement.

10. Recordings

Recordings are private. I don't publish them or use them in marketing without your separate permission.

Private calls

When recording is part of your service, I tell you before I start recording, and you can ask me not to record. The recording is for your private review. My Privacy Policy explains how long I keep recordings and how I handle them.

Workshops

I record live workshop sessions so everyone who bought that session can watch the replay, including people who couldn't attend. Section 3 lists the replay periods.

Your display name, voice, video, or what you say may appear in the recording. You can keep your camera and microphone off and avoid sharing identifying details. Taking part doesn't give me permission to use your contribution in marketing.

Recording and sharing rules

You must not record or download live sessions or replays yourself. If I give you a copy to download, it's for your personal use only. You must not share recordings, replay links, or other participants' contributions outside the group. If you break these rules, I may remove you from the session and end your replay access, as Section 11 explains.

11. Your information and group conduct

Share only what the work needs, and treat other participants with respect.

What to share

Questions about your capacity cover your time, energy, skills, and resources. Please leave out medical diagnoses, medical records, and other sensitive details about yourself or others. Remove other people's identifying details from your examples, unless they're needed and you have permission.

In group sessions

Keep other participants' private information confidential. You're welcome to talk about your business during exercises. You can't use sessions or participant details to pitch, recruit, or add people to a mailing list. Promoting something to the group needs my permission, and contacting someone individually for marketing needs their consent.

I can't control what another participant does with information you choose to share.

Removal

I may remove anyone who harasses others, records without permission, or seriously disrupts a session. If I end your access, I tell you why and handle any unused fees as the law requires.

12. Confidentiality, privacy, and AI

Your idea stays yours, and I keep our private work confidential.

Confidentiality

I keep non-public information from our private work confidential. The service providers I need to deliver the work may process it, as my Privacy Policy explains. I disclose it only if the law requires. If you'd like a non-disclosure agreement, ask when you book, and I'll send it before you complete your questionnaire.

How I use AI

I use AI tools to help with research, organizing information, and drafting. I check the output and stay responsible for the work. AI can make mistakes, and simulated customer answers aren't evidence that real customers will buy. My Privacy Policy explains how I handle personal data in AI tools. Accepting these terms doesn't mean you agree to sensitive information being shared with AI tools.

Using what I learn

I may share lessons from client work in fully anonymized form. I don't publish your name, identifiable idea, testimonial, image, or recording without your separate permission.

Privacy and marketing

My Privacy Policy explains how I handle personal data and cookies. Buying from me doesn't sign you up for marketing emails or optional cookies.

13. Ownership and use of materials

You own your original materials and the business content you create. I own my original resources, including templates, frameworks, prompts, teaching materials, reports, and others, subject to any third-party rights.

What you can do with my materials

Use them for your own learning and business.
Adapt templates for your own business.
Share your Findings Report privately with professional advisers, such as an accountant or lawyer, who keep it confidential.
Link to public pages on my website, as long as you don't suggest I endorse or partner with you.

What needs my written permission

Reselling, publishing, or publicly sharing my materials or your Findings Report.
Sharing paid access with other people.
Using my materials to deliver your own training or product.

14. What I promise and the limits of my responsibility

I deliver my services with reasonable care and skill, as described on each offer page. I don't guarantee business results.

What I don't promise

My findings depend on the information you give me and the evidence available at the time. Figures and scenarios show what follows from stated assumptions. They aren't promised earnings. I don't guarantee sales, profit, audience growth, or any other business result. You make your own business decisions and do the work. Testimonials describe individual experiences, and your results may differ.

Professional advice

My work isn't legal, tax, accounting, investment, medical, or mental-health advice. If your idea raises questions in those areas, I point them out so you can check them with a qualified professional.

Other websites and tools

External websites and tools have their own terms, and I don't control them. I'm still responsible for delivering the service you bought from me.

Limit on my liability

If I'm responsible for a loss, my total liability for a purchase is limited to the price you paid for it. I'm not responsible for lost profit, lost income, or lost business opportunities. Nothing in these terms limits my liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or anything else the law doesn't allow me to limit.

15. Questions, complaints, and changes

If something goes wrong, email me. I reply within five weekdays and work toward a fair solution.

Questions and complaints

Email dani@glowandgrowanyway.com with enough detail for me to identify your purchase and the problem.

Governing law and disputes

Bulgarian law governs these terms. If you're a consumer, you keep the mandatory protections of the country where you live, and any right you have to bring a claim in its courts. You can also contact Bulgaria's Commission for Consumer Protection at https://kzp.bg, or the consumer authority in your country. You don't have to contact me first, though I'd like the chance to fix the problem.

Changes to these terms

I may update these terms. Changes apply to future purchases. Your purchase follows the version you accepted when you ordered, unless we agree otherwise or the law requires a change.

If part of these terms doesn't hold

If a court or authority finds part of these terms unlawful or unenforceable, that part doesn't apply, and the rest stays in effect.

Cancellation form for EU, EEA, and UK clients

Using this form is optional. Copy it, fill it in, and email it to dani@glowandgrowanyway.com.

To: Daniela Pavlova, trading as Glow & Grow Anyway
Email: dani@glowandgrowanyway.com

I give notice that I withdraw from my contract for the following service or digital product:

Your full name:
Email address you used to book the service:
Service or product you're withdrawing from:
Order date:
Order number (optional):
Anything you'd like me to know (optional):

Questions about these terms or your purchase? Email me at dani@glowandgrowanyway.com. I reply within five weekdays.

dani@glowandgrowanyway.com