Last updated: 2026

These Terms and Conditions govern your use of the Harmony Life Art website and The 6-Part Guided Decision Program.

Operator Information

Zoltan Nagy – Sole Proprietor
Registered seat: Nyíregyháza, Hungary
Email: [email protected]

By purchasing or accessing any product provided by Harmony Life Art, you agree to these Terms.

1. Nature of the Program

The 6-Part Guided Decision Program is a digital educational product delivered via the Skool platform.

It is a structured decision-clarity process.

It does not provide:

• financial advice
• legal advice
• medical advice
• psychological therapy
• counseling

All decisions remain the sole responsibility of the participant.

2. No Guarantees

Harmony Life Art does not guarantee:

• income
• financial results
• business success
• specific personal outcomes

Results depend entirely on individual circumstances and implementation.

3. Payment

All payments are processed securely through Stripe.

The program is sold as a one-time payment unless otherwise stated.

4. Digital Access & EU Withdrawal Waiver

This is a digital product.

Access to the program is granted manually after payment confirmation.
You will receive access credentials via email within a reasonable timeframe.

By purchasing, you acknowledge that:

• You are buying digital content
• Access is granted manually after payment
• Once access has been granted, you waive your 14-day EU right of withdrawal

5. Refund Policy

Refunds are governed by the separate Refund Policy page.

6. Intellectual Property

All content, videos, materials, downloadable documents, and frameworks are the intellectual property of Harmony Life Art.

You may not:

• reproduce
• distribute
• share login access
• copy or resell content

without written permission.

7. Affiliate Relationships

Harmony Life Art may reference or recommend third-party programs or tools.

Some of these references may include affiliate relationships.

Participation in third-party programs is entirely optional and subject to their own terms and policies.

Harmony Life Art is not responsible for third-party services or outcomes.

8. Limitation of Liability

Harmony Life Art shall not be liable for indirect, incidental, or consequential damages arising from participation in the program.

All decisions and actions taken remain the responsibility of the participant.