Thanks for visiting Lubomir Guedjev Consultancy at (“Website”) and reviewing our Terms and Conditions of Use. All services including information, documents, communications, files, text, graphics, software, and audio/visual files available for Your use here are subject to the Terms and Conditions and Privacy Policy of Use.


By using this Website, creating an account and or becoming a member, You accept and agree to all terms, conditions and notices contained here in the Website’s (“Terms and Conditions of Use”). Please read the following Terms and Conditions of Use carefully. If You do not agree to the Terms and Conditions of Use, do not use this Website. By accessing, using, or downloading content here in any way, without limitation, any Service from this Website, or merely browsing this Website, You agree to and are bound by these Terms and Conditions of Use.

Lubomir Guedjev Consultancy reserves the right to change the Terms and Conditions of Use at any time, without prior notice to any Website visitor (“User” or “You”). For this reason, Lubomir Guedjev Consultancy encourage You to review these Terms and Conditions of Use whenever You use our Website. If You breach any of the Terms and Conditions of Use, Your authorization to use this Website may be automatically terminated.


For Eligibility to register and create an authorized account (“Account”) here on the Lubomir Guedjev Consultancy website, You must be at least eighteen  (18) years of age or older. By using this Website and or Services, You represent and warrant that You have the right, authority and capacity to enter into this agreement and to abide by all of these Terms and Conditions of Use. Lubomir Guedjev Consultancy/Provider reserves the right, in its sole and absolute discretion, to refuse service and access to any potential participant.


You are subject to the laws of the country, state, city or other legal entity (collectively “Jurisdiction”) in which You reside and/or from which You access the Website and the Service. It is Your responsibility to determine the law that applies in the applicable Jurisdiction and Provider does not make any representation or warranty, express or implied, as to the lawfulness of Your participation in or use of Service on this Website are appropriate for use in Your Jurisdiction.


A. Account Responsibility.
When you create Your Account, You represent that You are at least eighteen (18) years of age and are not a person barred from receiving services under the applicable jurisdiction. You agree to (a) provide true, accurate, current and complete information about yourself as prompted by the Service’s registration form (the “Registration Data”) and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Provider has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Provider has the right to suspend or terminate Your Account and refuse any and all current or future use of the Service (or any portion thereof). You are responsible for paying all fees and charges (plus applicable taxes) associated with the use of the Service under Your Account, including fees or charges incurred for premium features and payment for purchases made through the Service. Access to and use of premium features of the Service is subject to posted terms and conditions (including payment of applicable fees and charges).

B. Secrecy Obligation.
Once You have selected or been allocated a unique username and password (“Identifiers”) for Your Account, it is Your responsibility to keep these Identifiers secure and confidential. Some or all of these Identifiers are required to access certain areas of the Website. In the event that You are concerned that Your Identifiers are no longer secure and confidential, You should immediately notify Provider by sending an email to , whereupon new Identifiers may be selected and allocated and any future transactions under the previous Identifiers may be voided, at the sole discretion of Provider. Without limiting the foregoing, any transactions made and accepted on the Website where Your Identifiers have been used (and where You have not previously notified Provider as provided herein) will be treated as valid.

C. No Transfer.
Only one Account is allowed per person. Your Account is not transferable. Under no circumstances shall You allow or permit any other person or third party, including without limitation any person under the legal age to use the Service in Your applicable Jurisdiction, and in no event any person under the age of 14 years, to use or re-use Your Account or Your Identifiers in such a way that may breach the standards or laws in any Jurisdiction where You are located and/or are a resident, or where such other person is located and/or is a resident. Any person found to have violated this section may be reported to the relevant authorities.

Price and Payment.
Our Service may include premium content and subscription-based services. You are responsible for paying all fees and charges (in U.S. dollars, plus applicable taxes) associated with the use of the Service under Your Account, including fees or charges incurred for premium features and payment for purchases made through the Service. Unless otherwise stated, (i) payment of all fees and charges must be made by a valid, approved credit, debit or charge card, or other means of digital payments at the time of purchase; and (ii) all fees and charges (including subscription fees) are refundable only under the terms specified in the provided service. You agree that any purchases made by You via credit card are specifically authorized to be charged to the credit card given by You at the time of purchase. For any questions regarding billing information or charges to Your Account please contact or email


A. Copyright Information and Personal & Non-Commercial Use Limitation.
All Service and the compilation of all content included on this Website are owned or licensed by Lubomir Guedjev Consultancy/Provider and protected by international copyright laws. Copyright © 2020 All Rights Reserved. Provider does not claim ownership of copyrights owned by third parties.
You have been granted a license to view and use the Service subject to these Terms and Conditions of Use. Unless otherwise specified, the Service on this Website is for Your personal and non-commercial use. You may not sell or modify the Service or reproduce, display publicly or otherwise use the Service in any way for any public or commercial purpose. Permission to reprint or electronically reproduce any document or graphic, in whole or in part, for any other purpose is expressly prohibited without prior written consent from Provider. Users may not provide copyrighted or other proprietary information to Provider without permission from the owner of such material or rights. Users are solely responsible for obtaining such permission and for any damages resulting from unauthorized disclosures or infringement.

B. Trademarks.

Provider owns trademarks and service marks for its many goods and services, including, without limitation,, and associated graphics, logos and service marks are trademarks of Provider and may not be used without prior written consent of Provider. All other trademarks, product names, and company names and logos appearing on the Website are the property of their respective owners.

C. Ideas and Inventions.

All comments, feedback, suggestions, ideas, and other submissions (“Ideas”) disclosed, submitted, or offered to Provider in connection with Your use of this website shall be the exclusive property of Provider. User agrees that unless otherwise prohibited by law Provider may use, sell, exploit and disclose the Ideas in any manner, without restriction and without compensation to User.


Provider respects the privacy of visitors to our Website. Please see Provider’s Privacy Policy relating to the collection and use of Your information. User acknowledges and agrees that this Privacy Policy, including, but not limited to, the manner in which Provider collects, uses and discloses User’s personally identifiable information, is incorporated and made part of these Terms and Conditions of Use. If User does not agree to each and every part of Provider’s Privacy Policy, then User should not use the Website or submit any personally identifiable information through this Website. Questions regarding privacy issues should be directed to Provider via email at


This Website may contain several links to other websites and may forward Users to other websites. In such cases such websites may not be under the control of Provider, and the existence of a link on the Website does not imply any endorsement of the linked websites by Provider or any affiliation between Provider and the owners of the linked websites. Provider makes no warranties or representations, and disclaims all liability, relating to the accuracy, content, terms of use, privacy policies, products, services, legality, reliability, viewpoint, accuracy, currency, decency, or any other aspect of the linked Websites. You agree that Provider has no responsibility to You with respect to such material. Provider encourages You to examine the privacy policies and/or terms of use policies of any third party website.
We do not endorse or make any representation of third party website links on this site.


User acknowledges and agrees that User shall not circumvent or attempt to circumvent any of these Terms and Conditions of Use, the Service offered through this Website or otherwise interrupt or attempt to interrupt the operations of the Website (collectively, a “Circumvention Act”). If Provider determines, in its sole discretion, that User has engaged, or attempted to engage, in any Circumvention Act, use automated technology or otherwise commit fraud with regard to the Website, then, in such an event, User will be subject to suspension or termination of User’s access to the Website and/or Service, and Provider reserves the right to institute civil or criminal proceedings against User and to report User to the relevant regulatory authorities.


These Terms and Conditions of Use are effective until terminated by either party. User may terminate these terms at any time by discontinuing use of the Website. User’s access to the Website may be terminated immediately without notice from Provider if in our sole discretion User fails to comply with any term or provision of these Terms and Conditions of Use.


If You use this Website, You are responsible for restricting access to Your computer and ensuring that Your computer is free from all types of malicious code, spyware, viruses, Trojans, etc. that may track any data You enter via this Website, including email address, credit card number, and other payment related information. In addition, You are responsible for maintaining the confidentiality of Your Provider account (“Account”) and password and for restricting access to Your computer, and You agree to accept responsibility for all activities that occur under Your Account or password. You agree to (a) immediately notify Provider of any unauthorized use of Your password or Account or and other breach of security, and (b) ensure that You exit from Your Account at the end of each session. Provider cannot and will not be held liable for any loss or damage arising from Your failure to comply with this section.
Provider reserves the right to monitor all network traffic to this Website to identify and/or block unauthorized attempts or intrusions to upload or change information or cause damage to this Website in any fashion. Anyone using this Website expressly consents to such monitoring.


By visiting the Website, You agree the Terms and Conditions of Use, Privacy Policy, or Software Terms, without giving effect to any principles of conflicts of laws. Provider reserves the right to make changes to its Website and these disclaimers, Terms and Conditions of Use, Privacy Policy, and Software Terms at any time. User hereby irrevocably and unconditionally consents to jurisdiction in the United Arab Emirates.


The failure of Provider to require or enforce strict performance by User of any provision of these Terms and Conditions of Use or to exercise any right under them shall not be construed as a waiver or relinquishment of Provider’s right to assert or rely upon any such provision or right in that or any other instance.
The provisions of these Terms and Conditions of Use are intended to be severable. If for any reason any provision of these Terms and Conditions of Use shall be held invalid or unenforceable in whole or in part by any court of competent jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such determination of invalidity or unenforceability without affecting the validity or enforceability thereof in any other manner or jurisdiction and without affecting the remaining provisions of the Terms and Conditions of Use, which shall continue to be in full force and effect.


You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Website, Terms and Conditions of Use, Privacy Policy, or Software Terms must be filed within 6 months after such claim or cause of action arose or be forever barred.


This notice is to advise You that (a) this Website is a service provided by, and that (b) the fees and charges for the Service vary depending on the particular features and services selected by the User. Provider reserves the right to change the amount of any fee or charge and to institute new fees or charges, effective on reasonable notice to the Users of the Service. If You have a complaint regarding the Service or desire further information on use of the Service, contact via email at


These Terms and Conditions of Use constitute the entire agreement between the User and Provider with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms and Conditions of Use, Privacy Policy, or Software Terms will be effective only if in writing and signed by Provider.

Date last modified: Nov 1st 2020.

These Terms and Conditions of Use may be changed at any time, without prior notice.