Lux & Class j.d.o.o. Privacy Policy and Terms & Conditions

Privacy Policy

Last updated: April 8, 2025

Lux & Class j.d.o.o. (“Lux & Class”, “we”, “us” or “our”) is a company based in Croatia (Mihovila Pavlinovića 1, 23210 Biograd na Moru, Croatia) that sells digital products (online courses) internationally. We respect your privacy and are committed to protecting your personal data. This Privacy Policy describes how we collect, use, and share your personal information when you use our website or services, in compliance with the EU General Data Protection Regulation (GDPR) and other applicable laws. It applies to all users worldwide, including those outside the EU. By using our services, you agree to the practices described in this Privacy Policy.

Information We Collect

We only collect personal information that is necessary for the purposes described in this Policy. This includes information you provide directly to us and data collected automatically through your interactions with our site. The types of data we collect are:

  • Personal Identifiers: When you purchase a course or register on our site, we collect information such as your name, email address, and billing address. If you join a newsletter or waitlist, we collect your name and email for those purposes.

  • Payment Details: When making a purchase, you provide billing information (e.g. credit card number, expiration date, PayPal account email). Payments are processed securely by third-party processors (Stripe or PayPal), and we do not store your full credit card details on our servers (Privacy Policy - GEOBSYS). Payment processors handle your financial data in accordance with their own privacy policies.

  • Account and Course Data: To deliver our digital products via Kajabi or ClickFunnels, we may set up a user account for you. This could include a username or your email and a password. We also record your course enrollment and progress (e.g. which modules you have accessed) to manage your access.

  • Communications: If you contact us with an inquiry or support request, we will collect the information you provide in that communication (such as your email address and the content of your message).

  • Usage Data and Cookies: When you visit our website, certain data is collected automatically. This may include your IP address, device type, browser type, browsing actions and patterns (such as pages viewed and links clicked), and other technical data. We use cookies and similar tracking technologies to collect some of this usage data (see Cookies and Tracking Technologies below). This information helps us analyze how users interact with our site and marketing materials.

We do not collect any sensitive personal data such as racial or ethnic origin, political opinions, health information, or the like. Our products and services are intended for adults and we do not knowingly collect personal information from anyone under the age of 16. If you are a parent or guardian and believe we have collected a minor’s information, please contact us to have it removed.

How We Use Your Data

Lux & Class uses your personal data for the following purposes:

  • To Process Orders and Deliver Services: We use your name, email, and billing details to process your purchase and provide you access to the digital course you bought. This includes creating your account on our learning platforms (Kajabi or ClickFunnels) and sending you login details or access instructions. We may also use your contact information to send you purchase confirmations, invoices/receipts, and important updates about your course (e.g. curriculum changes or platform notices).

  • Payment Processing: Your billing information (such as credit card or PayPal details) is used to charge you for the product you ordered. As noted, payments are handled through Stripe or PayPal – we transmit your payment details securely to these processors to complete the transaction. We may receive limited information back from the payment processor (such as a confirmation that payment was made) for record-keeping.

  • Account Administration and Customer Support: We use personal data to maintain your user account and provide customer support. For example, if you forget your password, we will use your email to help reset it. If you reach out for help, we will use your information to investigate and respond to your inquiries or issues.

  • Communicating With You: We may use your contact details to communicate with you about your course or related services. This includes sending administrative emails (for example, if there is a service outage, policy change, or to remind you of course access information). We may also send you newsletters or marketing communications if you have subscribed or opted in (see Marketing Communications below).

  • Marketing and Product Updates: With your consent, we use your email to send newsletters, updates on new courses or products, special offers, and relevant content. If you joined a waitlist for a course, we will use your contact information to notify you when the course is launched or available. You can opt out of these communications at any time.

  • Analytics and Improvements: We use usage data and analytics tools (like Google Analytics) to understand how our website and marketing campaigns are performing. This helps us improve our website layout, course content, and user experience. For example, analyzing which pages are most visited can inform us what content is most useful to users. We also use the Meta Pixel (Facebook Pixel) for advertising analytics and retargeting, which helps us show relevant ads to users who have visited our site or to find similar audiences. These analytics and advertising uses involve processing of pseudonymous data (like cookie identifiers and site usage patterns).

  • Legal Obligations and Protection: In some cases we need to use your data to comply with legal or regulatory obligations. For instance, we keep transaction records for accounting and tax purposes as required by law. We may also process personal data as necessary to enforce our Terms & Conditions or to protect our rights, privacy, safety, or property (or those of our users) in accordance with applicable laws. This can include using data to detect and prevent fraud or abuse of our services.

We will not use your personal information for purposes that are incompatible with those listed above. If we need to use your data for a new purpose, we will update this Privacy Policy and, if required by law, seek your consent.

Legal Bases for Processing (GDPR)

If you are located in the European Economic Area (EEA) or the UK, we rely on the following legal bases under GDPR for processing your personal data. (In many cases, more than one legal basis may apply simultaneously):

  • Contractual Necessity: We process most of your personal data because it is necessary to fulfill our contract with you. When you purchase a course, a contract for services is formed. We must process your name, contact details, payment information, and related data in order to provide the product or service you requested (deliver course content, provide support, etc.). This also includes pre-contractual processing if you inquire about our services.

  • Consent: We will rely on your consent for certain types of processing. For example, we ask for your consent before sending you promotional emails (newsletters or waitlist updates) if you are not already our customer. We also obtain consent via our cookie banner for placing and reading non-essential cookies, such as those used by Google Analytics and Meta Pixel, on your device. Where we rely on consent, you have the right to withdraw that consent at any time (see Your Rights below).

  • Legitimate Interests: We may process your data as necessary for our legitimate business interests, provided such processing is not overridden by your data protection rights. For instance, it is in our legitimate interest to understand how customers use our website and courses so we can improve our services (analytics), to secure our website and prevent fraud, and to market our products to existing customers. If you are an existing customer, we may send you information about similar products or services under legitimate interest (often called “soft opt-in”), but we will always provide an easy opt-out option in such communications. We consider and balance any potential impact on you and your rights before relying on legitimate interests (Privacy Policy - GEOBSYS). You have the right to object to processing based on legitimate interests (see Your Rights).

  • Legal Obligation: Some data processing is necessary for us to comply with a legal obligation. For example, we retain certain purchase records to fulfill financial reporting and tax obligations under Croatian law. If authorities lawfully require personal data (e.g. for a court order or investigation), we may need to process and provide it under legal obligation.

  • (If Applicable) Public Interest or Vital Interests: In general, we do not process personal data for tasks carried out in the public interest, and we do not anticipate any situation where processing would be necessary to protect someone’s vital interests (life or health). In the unlikely event this would apply (e.g. a serious emergency), we would only do so in accordance with the law.

If you have questions about the legal basis of how we process your data, feel free to contact us. We will help clarify how the law applies to our processing of your personal information (Privacy Policy - GEOBSYS).

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and analyze usage. Cookies are small text files placed on your device when you visit a website. We use the following categories of cookies on our site:

  • Necessary Cookies: These cookies are essential for the operation of our website and to provide you with features you request. For example, they may enable basic functions like user login, or remember your preferences. Without these cookies, the website might not function properly. These cookies do not require your consent.

  • Analytics Cookies: We use Google Analytics (provided by Google) to collect information about how visitors use our site. Google Analytics cookies track things like what pages you visit, how long you stay, how you arrived at our site, and if you have interacted with certain elements. We have configured Google Analytics to anonymize IP addresses for EU users when possible to add an extra layer of privacy. The data collected through analytics cookies is aggregated and does not directly identify you. It helps us improve site functionality and understand user interests. We only deploy analytics cookies with your consent (e.g. via our cookie consent banner).

  • Advertising Cookies: Our site also uses the Meta Pixel (from Meta Platforms, e.g. Facebook/Instagram) and possibly similar marketing pixels. These cookies track your visits and actions on our site and allow us to measure the effectiveness of our Facebook/Instagram ads. They may also be used to build custom audiences for our ads (for example, to show ads on Facebook to people who visited our site) and for conversion tracking when you come to our site via an ad. These cookies may collect identifiers like your browser ID and information about your browsing behavior. Advertising cookies are only set with your consent.

  • Functional Cookies (if any): These would be cookies that enhance site functionality (like chat widgets or videos). We currently primarily use the categories listed above, but if any functional cookies are present, they too would be used either under legitimate interest or consent as required.

When you first visit our site, you will be presented with a cookie consent notice (for EU users) allowing you to accept or decline non-essential cookies. You can always manage your preferences through that banner (if available) or by adjusting your browser settings to refuse cookies. Please note that if you disable all cookies (including strictly necessary ones) via your browser, some parts of our site might not work properly.

For more information on how Google Analytics collects and processes data, you can visit Google’s site on “How Google uses data from sites or apps that use our services.” To opt out of Google Analytics, you can install Google’s browser add-on available at https://tools.google.com/dlpage/gaoptout. For information on Meta Pixel, you can visit Facebook’s Business Help Center. You can adjust your ad settings in your Facebook account to control how your data is used for targeted advertising.

Third-Party Services and Data Processors

In delivering our services, we rely on several third-party service providers who process personal data on our behalf. These third parties are our data processors under GDPR, which means they only process your data for our specified purposes and not for their own independent use. We ensure that all such providers are bound by contracts that require them to protect your data. The main third-party services we use are:

  • Stripe – We use Stripe for secure credit/debit card payment processing. When you enter your card details at checkout, that information is sent directly to Stripe. Stripe is PCI-DSS compliant and will process your payment information securely (Privacy Policy - GEOBSYS). We do not see or store your full card number. (You can view Stripe’s Privacy Policy on their website at stripe.com/privacy.)

  • PayPal – We offer PayPal as a payment option. If you choose to pay via PayPal, you will be redirected to PayPal’s site to log in and approve payment. PayPal then shares with us confirmation of your payment and your shipping/billing details as needed. We do not receive your PayPal account password or other credentials. (See PayPal’s Privacy Statement at paypal.com for information on their data practices.) (Privacy Policy - GEOBSYS)

  • Kajabi – Our online courses are primarily delivered through the Kajabi platform. Kajabi, LLC (a U.S.-based company) provides the website and membership site infrastructure where you access course content. When you register or log in to view your course, your data (such as name, email, and course progress) is processed by Kajabi’s systems. Kajabi acts as a data processor, handling your data to provide the service on our behalf. Kajabi is GDPR-compliant and has committed to protecting user data (they have measures like consent checkboxes for sign-ups, and data export tools for compliance) (Kajabi GDPR: Compliance Overview (2025) - SupplyGem) (Kajabi GDPR Compliance 2025 Overview - Freedom Bound Business). For more details, refer to Kajabi’s privacy policy.

  • ClickFunnels – We may also use ClickFunnels for certain sales pages or membership delivery. ClickFunnels (owned by Etison LLC, US) is a funnel-building and membership site tool. If you purchase through a ClickFunnels page or access content via ClickFunnels, your relevant data will be handled by that platform as well. This could include your name, email, and password for any membership area, and any data you input on forms hosted by ClickFunnels. ClickFunnels similarly is expected to adhere to data protection norms; see their privacy policy for information on their practices.

  • Email Marketing Services: To send newsletters and waitlist announcements, we use [our own platform’s email tool or an external email service provider]. (For example, Kajabi includes email functionality; if we use Kajabi to send you emails, Kajabi processes your email address for that purpose. If we use a separate service like MailChimp or ConvertKit, they would similarly act as a processor for sending emails.) These communications services store your email and name and send out our communications on our behalf. They do not use your information for their own marketing. Every marketing email will include an unsubscribe link you can use at any time.

  • Analytics and Advertising Partners: As noted, we use Google Analytics and Meta Pixel. Google and Meta are considered third-party data recipients in that they receive usage data from our site via their cookies. Google Analytics is provided by Google LLC (US) / Google Ireland Ltd., and Meta Pixel by Meta Platforms, Inc. (US). We only implement these tools with appropriate consent and safeguards (see Cookies above and International Data Transfers below). Data collected by these tools may be processed by Google or Meta on servers outside the EU (e.g. in the United States), and these companies participate in EU-US data transfer frameworks or use standard contractual clauses for compliance. We do not share any directly identifying personal info (like your name or email) with Google Analytics or Meta; they only receive pseudonymous data related to your device and browsing.

Each of these third-party services has its own privacy policy which we encourage you to review for more details on their data handling. We only share the minimum information necessary with our service providers, and we do not sell your personal information to any third party for their own use.

Aside from the above, we will treat all personal data as confidential and will not disclose it to any other third parties except in a few special situations described in the next section (Data Sharing and Disclosure).

Data Sharing and Disclosure

We do not sell, rent, or trade your personal data to unrelated third parties for marketing purposes. We only share your information in the following circumstances:

  • Service Providers: As described, we share data with our contracted service providers (processors like Stripe, PayPal, Kajabi, etc.) who need the information to perform services on our behalf. They are obligated to handle your data securely and only for our instructed purposes.

  • Legal Requirements: We may disclose your information if required to do so by law or in response to a valid request by public authorities (e.g. a court order, subpoena, or government demand) (Privacy Policy | GovWhitePapers). We will only provide the data specifically required by the request.

  • Protection of Rights: We may share information when we believe it’s necessary to enforce our Terms & Conditions or other agreements, or to investigate potential violations thereof. We may also disclose data to protect the rights, property, and safety of Lux & Class, our users, or others. For example, we might share information with law enforcement or consult with legal counsel in connection with fraud prevention or a cybersecurity incident.

  • Business Transfers: If Lux & Class j.d.o.o. is involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider, your information may be transferred as part of that transaction. In such cases, we will ensure the recipient of the data commits to privacy measures equivalent to those in this Policy and we will notify you (for example, by email or a prominent notice on our website) of any change in data ownership or uses.

  • With Your Consent: In situations where you explicitly consent to sharing, we may share your information accordingly. For instance, if we ever want to use a testimonial with your name on our site, we would seek your consent to do so.

In all cases, we minimize the personal information we share and evaluate requests or demands carefully. If we receive a request for disclosure that we believe is overly broad or not legally valid, we will challenge or refuse it as appropriate.

International Data Transfers

Lux & Class is based in Croatia, and our website and main operations are in the European Union. However, many of our service providers are located outside the EU, meaning your personal data may be transferred to and stored in other countries, including the United States. For example, when we use Kajabi or ClickFunnels to host course content or Google Analytics for site analytics, your data may be processed on servers in the U.S. Similarly, if you are an international (non-EU) customer, your personal data will be processed in the EU (where we are based) and possibly in other jurisdictions as needed to provide the services.

Data transfers from the EU to non-EU countries: Whenever we transfer personal data out of the European Economic Area (EEA), we ensure a similar degree of protection is afforded to it by implementing appropriate safeguards as required by GDPR (Privacy Policy | GovWhitePapers). These measures may include:

  • Standard Contractual Clauses: We have agreements in place with our service providers that incorporate the European Commission’s Standard Contractual Clauses (SCCs), which legally bind the recipient to protect your data to EU standards. For instance, Google, Meta, and other US-based providers typically use SCCs for EU data.

  • EU-U.S. Data Privacy Framework: Where applicable, we may rely on providers who are certified under the new EU-U.S. Data Privacy Framework (or any successor framework) which indicates they adhere to high data protection principles for transfers.

  • Adequacy Decisions: If your data is transferred to a country that the European Commission has deemed to have adequate data protection laws (an “adequacy decision”), then your data is protected under those laws. (For example, if in the future the UK or other country has an adequacy decision from the EU, transfers there would be permissible.)

  • Your Consent: In specific cases, we might ask for your explicit consent for a transfer if none of the other safeguards are available and the transfer is necessary (this is generally a last resort under GDPR).

For users outside the EU: By using our site or purchasing our products, you understand that your information will be sent to Croatia and possibly other countries as needed. We will process your data according to this Privacy Policy no matter where you are located. Please note that privacy laws in those jurisdictions may differ from those in your home country. However, we will take steps to ensure that your privacy continues to be protected as outlined here.

If you have questions about international data transfers or need more information about the specific mechanism used for any transfer of your personal data, you can contact us using the information provided in the Contact Us section below.

Data Retention

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. This means:

  • Account and Profile Information: We will keep your basic account information (name, email, account credentials) and course enrollment details for as long as you have an active account with us. If you request account deletion, we will delete or anonymize your personal data associated with the account, except for data we are required to keep for legal reasons (see below).

  • Transaction and Purchase Data: We retain records of your purchases (invoices, payment history, and related personal data) for at least the minimum duration required by tax and accounting laws. In Croatia, for example, financial records are typically kept for 7-10 years. We may keep invoice data (which includes your name, email, billing address, and purchase details) for that period. After the retention period, we will securely delete or anonymize such data.

  • Marketing Data: If you have subscribed to our newsletter or given consent to receive marketing emails, we will retain your contact information for that purpose until you unsubscribe or withdraw consent. Once you opt out of marketing, we will remove you from the mailing list promptly and will not send further marketing communications. (We may however keep a record of your email on a suppression list to ensure we honor your opt-out.)

  • Waitlist Data: If you joined a waitlist for a course and the course has launched or it’s clear you are no longer interested, we may purge waitlist data periodically. If you did not opt into general marketing, your waitlist info will be used only for that specific course notification.

  • Analytics Data: Data collected via Google Analytics and Meta Pixel is retained according to those platforms’ policies and settings. We have set Google Analytics to retain user-level data for [14 months] by default (or a similar reasonable period), after which it is automatically deleted from Analytics’ servers. Aggregated reports (which contain no personal identifiers) may be stored longer.

  • Communications: If you contact support, we may retain the correspondence (including your personal data in it) as long as needed to address your issue and for our records. Support emails may be kept for a certain period (e.g. 2 years) in case you need follow-up assistance, after which we may delete them.

  • Legal Holds: If we are involved in a legal dispute or receive a legal request, we might need to preserve relevant data beyond our standard retention period until the issue is resolved.

When personal data is no longer needed, we will ensure it is securely deleted or anonymized (so it can no longer be associated with you). For example, deletion may involve permanently removing identifiers from our databases and instructing third-party processors to do the same. We also periodically review the data we hold and erase or anonymize that which we no longer need.

Your Rights

As a user of our services, you have certain rights regarding your personal data. Lux & Class is committed to honoring these rights. If you are in the EU or a similar jurisdiction, your rights under GDPR (and equivalent laws) include:

  • Right of Access: You have the right to request confirmation of whether we are processing your personal data, and if so, to access that data. We will provide a copy of the personal data we hold about you, along with information on how we use it (Privacy Policy | GovWhitePapers). This is commonly known as a “data subject access request.”

  • Right to Rectification: If any of your personal information is inaccurate or incomplete, you have the right to request that we correct or update it. For example, if you change your email address or notice an error in your contact details, you can ask us to fix it.

  • Right to Erasure: You have the right to request deletion of your personal data in certain circumstances (the “right to be forgotten”). You can request that we erase the data we hold about you if it’s no longer necessary for the purposes collected, or if you withdraw consent (where applicable) and we have no other legal basis to continue processing, or if you object to processing and we have no overriding legitimate interest, or if we unlawfully processed your data, etc. Please note we may not be able to delete data that we are required to keep by law (for example, we cannot delete your purchase invoice while we are legally obliged to retain it for tax purposes, and deleting your email may not be possible if it was used in a transaction record we must keep). In such cases, we will inform you of the specific reason we cannot fully comply with a deletion request.

  • Right to Withdraw Consent: If we are processing your personal data based on your consent, you have the right to withdraw that consent at any time (Privacy Policy | GovWhitePapers). For instance, you can unsubscribe from marketing emails by clicking the “unsubscribe” link, or you can contact us to remove your consent for analytics cookies. Once you withdraw consent, we will stop the processing that was based on consent. Withdrawal of consent does not affect the lawfulness of processing done before you withdrew.

  • Right to Object: You have the right to object to our processing of your personal data when such processing is based on legitimate interests (or public interest) and you feel it impacts your rights and freedoms. If you object, we will review your request and will stop or limit processing unless we have compelling legitimate grounds to continue that override your interests, or the processing is needed for legal claims (Privacy Policy | GovWhitePapers). Importantly, you have an absolute right to object to processing of your data for direct marketing purposes – meaning if you object to marketing use, we will honor that unconditionally (this is typically handled by opting out as described above).

  • Right to Restrict Processing: You have the right to request that we limit the processing of your personal data in certain situations. This is an alternative to full deletion. For example, if you contest the accuracy of your data or have objected to processing (pending our evaluation), you can ask that we restrict processing your data (just storing it) until the issue is resolved (Privacy Policy | GovWhitePapers). Also, if we would otherwise delete data but you need it for a legal claim, you can request we keep it but not process it further. When processing is restricted, we will flag the data and ensure it’s only used for the limited reasons agreed upon.

  • Right to Data Portability: For data that you provided to us and that we process by automated means on the basis of consent or contract, you have the right to obtain a copy in a structured, commonly used, machine-readable format and/or to have us transmit it to another service provider if technically feasible (Privacy Policy | GovWhitePapers). In practice, this could apply to account data you provided. We will assist in transferring that data where possible.

  • Right to Lodge a Complaint: If you believe we have infringed your privacy rights or GDPR, you have the right to file a complaint with a data protection supervisory authority. Lux & Class j.d.o.o. is under the jurisdiction of Croatia’s data protection authority: the Croatian Personal Data Protection Agency (AZOP). You can contact AZOP or your local EU supervisory authority. We would, however, appreciate the chance to address your concerns directly before you approach a regulator – so please consider contacting us first, and we will do our best to resolve any issue.

You can exercise your rights at any time by contacting us (see Contact Us below). We will respond to requests as soon as possible and no later than one month, as required by GDPR (Privacy Policy | GovWhitePapers). There is no fee for making a request, unless it is manifestly unfounded or excessive, in which case we may charge a reasonable fee or refuse the request (we will explain the reasons if that happens). We may need to verify your identity before fulfilling certain requests to ensure we do not disclose data to the wrong person. For example, we might ask you to confirm some details or use an existing account authentication method.

Marketing Communications and Opt-In (Newsletter/Waitlist)

If you subscribe to our newsletter, download a free resource, or join a waitlist for one of our courses, we will use the contact information you provide (typically your name and email) to send you the requested information and related marketing messages. This section explains how we handle such communications and your choices:

  • Newsletter Subscriptions: By entering your email address in our newsletter sign-up form and confirming (if double opt-in is used), you consent to receive our email newsletter. Our newsletters contain updates about Lux & Class, including new course releases, blog posts, exclusive offers or promotions, and other content we believe will be interesting or beneficial to our subscribers. We aim to send a reasonable number of emails and not overload your inbox. You can unsubscribe at any time if you no longer wish to receive these emails.

  • Course Waitlists: If you join a waitlist for a specific course or program, we will send you communications related to that course. For example, we will notify you when the course is open for enrollment, and possibly send a few additional emails about its features or early-bird pricing if applicable. Joining a waitlist may also subscribe you to general updates about similar offerings, but we will make this clear at the time you sign up. Again, you can opt out if you choose.

  • Consent and Opt-Out: We will only send marketing or promotional emails to you if you have given consent (such as by subscribing yourself or ticking a checkbox during purchase) or if you are an existing customer who has not opted out. Each marketing email we send includes an “Unsubscribe” link at the bottom. By clicking that link, you can instantly opt out of further emails from that list. You may also reply to any email or contact us at our support email to request removal. Once you opt out, we will stop sending you marketing emails. (Note: Even if you opt out of marketing, we may still send you transactional or important service emails related to your purchases – e.g. receipt, course access info, or critical updates – as those are not promotional.)

  • Third-Party Marketing: We do not share your email or personal details with third-party companies for them to market to you. Any marketing communications will come directly from Lux & Class. If in the future we run a joint promotion with a partner, we would only involve your contact info if you explicitly opt into that specific event.

  • Automated Decision-Making: Our email marketing may use basic segmentation (for example, to send different content based on whether you have purchased before or which waitlist you joined), but we do not use any fully automated decision-making that has legal or significant effects on you. It’s primarily to tailor content to be more relevant. We do not profile individuals in a way that is intrusive; any analysis of email open rates or clicks is to improve our content strategy.

If you have any issues unsubscribing or suspect you’re getting emails you didn’t sign up for, please contact us so we can investigate and resolve the matter. Your choice regarding marketing will be respected fully.

Data Security

We take the security of your personal information seriously. Lux & Class implements technical and organizational measures to protect your data against unauthorized access, loss, alteration, or disclosure. These measures include:

  • Encryption: Our website uses SSL/TLS encryption for all data transmissions. This means that when you enter personal information (such as payment details or login credentials), it is encrypted in transit to prevent eavesdropping. The padlock icon in your browser and "https://" in our URL indicate that the connection is secure.

  • Payment Security: As noted, payments are processed through Stripe or PayPal, which are PCI-DSS compliant. We never handle or store your sensitive payment card details on our own servers, reducing the risk of compromise of that data (Privacy Policy - GEOBSYS).

  • Access Controls: We restrict access to personal data to only those personnel and contractors who need it to perform their duties (principle of least privilege). Our course platform accounts are protected by passwords, and we encourage you to choose a strong password and keep it confidential. Internally, any access to administrative interfaces or databases is protected and limited.

  • Data Storage Security: Personal data collected is stored on secure servers provided by our hosting platforms (Kajabi, ClickFunnels, etc.) and other service providers. These providers employ industry-standard security practices (firewalls, regular security audits, etc.). We keep our own systems and software up to date with security patches to guard against vulnerabilities.

  • Monitoring and Testing: We monitor our website for potential security vulnerabilities and attacks. In addition, our service providers also monitor their systems. We may employ security tools and practices such as anti-malware scans, intrusion detection systems, and regular backups of data.

  • Breach Response: Despite all efforts, no method of transmission or storage is 100% secure. In the unlikely event of a data breach that affects your personal information, we will follow all applicable breach notification laws. This means we will inform you and relevant authorities (like the data protection agency) without undue delay if your data’s confidentiality, integrity, or availability has been compromised by an incident.

You also play a role in keeping your data safe. We urge you to use unique, strong passwords for our services and be mindful of phishing attempts (Lux & Class will never ask for your password via email). If you suspect any unauthorized access to your account or any security vulnerabilities, please notify us immediately.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make changes, we will revise the “Last updated” date at the top of this Policy. If the changes are significant, we may also provide a more prominent notice, such as by email notification or a notice on our website’s homepage or dashboard.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our website or services after any updates constitutes your acknowledgment of the changes and your agreement to the updated Policy.

If we make changes that materially affect how we handle personal data (for example, if we were to start collecting additional categories of data or sharing data with new third parties in ways not covered here), we will seek your consent when required by law.

Contact Us

Lux & Class j.d.o.o. is the controller of your personal data. If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Lux & Class j.d.o.o.
Mihovila Pavlinovića 1, 23210 Biograd na Moru, Croatia
Email: [email protected] (support email for privacy inquiries)
Contact person: [Privacy Officer/Owner Name] (if applicable)

We will be happy to assist you and address any issues. For example, if you want to exercise any of your rights or have questions about opting out of certain processing, just send us a message. We typically respond within a few business days.

Terms & Conditions

Last updated: April 8, 2025

These Terms & Conditions (“Terms”) govern the use of the Lux & Class website and the purchase and use of digital products (online courses) offered by Lux & Class j.d.o.o. (“Lux & Class,” “we,” or “us”). Lux & Class j.d.o.o. is a company registered in Croatia (Mihovila Pavlinovića 1, 23210 Biograd na Moru, Croatia). By purchasing any digital product from us or by accessing our website and course content, you (“you” or the “User”) agree to be bound by these Terms. If you do not agree with any part of these Terms, you should refrain from using our website or purchasing our courses.

Please read these Terms carefully before making a purchase. They describe your rights and responsibilities and form a legal agreement between you and Lux & Class. These Terms, together with our Privacy Policy (which describes how we handle personal data), constitute the entire agreement governing your use of our services.

1. Access to Digital Products

Product Description: Lux & Class offers digital products in the form of online courses and related content. When you purchase a course from us, you will gain access to video lessons, written materials, and/or other digital resources through our online platforms. No physical goods will be shipped to you; all content is delivered electronically.

Delivery and Access: After you successfully place an order and we confirm receipt of payment, you will be granted access to the purchased digital product. Delivery is typically immediate (or within a few minutes) once payment is confirmed. Specifically, access is provided via our third-party learning platforms:

  • We primarily deliver course content through Kajabi. You may receive an email prompting you to create a Kajabi account (or log into an existing one) to access your course. Once logged in, you can stream the video lessons and download any included resources.

  • In some cases, content may be delivered through ClickFunnels (for example, if a membership area or content delivery is set up in ClickFunnels). In such event, you will receive appropriate instructions (like a link to create a ClickFunnels membership login).

  • You are responsible for ensuring that the email address you provide at purchase is correct and accessible, as our system will send access credentials or links to that email. Check your spam folder if you do not see the access email within a reasonable time after purchase (usually 15 minutes).

Account Security: Access to courses is limited to the purchasing user. You may be required to set a password for your account on our platform. You are responsible for maintaining the confidentiality of your login credentials and for restricting access to your account. Do not share your username or password with others. If you believe someone else has gained unauthorized access to your account, notify us immediately. We are not liable for any loss or damage arising from your failure to secure your account.

Usage Guidelines: Once you have access, you may use the course materials at your own pace (unless otherwise specified, e.g. if a course has scheduled content releases). Please ensure you have a compatible device and internet connection to stream video content; we are not responsible for technical issues on your side (such as inadequate bandwidth or incompatible software). If you encounter any technical difficulties accessing the content on our side, contact our support and we will assist in restoring access.

Lux & Class reserves the right to modify the delivery method or platform if needed. We will notify you of any such change and ensure you continue to have access to the content you purchased. We also reserve the right to suspend or terminate your access if you breach these Terms (for example, if you are caught sharing content in violation of our intellectual property terms, see Section 4). In such cases, no refund will be due for any remaining access unless required by law.

2. Payment and Pricing

Pricing: All prices for our digital products are displayed on our website or relevant sales page. Prices are listed in [specify currency, e.g. Euros (€) or U.S. Dollars ($)], and unless stated otherwise, are inclusive of any applicable value-added tax (VAT) or sales tax. If you are purchasing from outside our region, you are responsible for any currency conversion fees or bank charges. We make every effort to ensure accurate pricing, but in the rare event of a pricing error, we reserve the right to correct it. If a correction affects your order (for example, a price was underpriced and you already paid), we will notify you and you will have the option to reconfirm at the correct price or cancel for a full refund.

Payment Methods: We accept payment via Stripe (which allows major credit/debit cards) and PayPal. During checkout, you may choose your preferred method:

  • Credit/Debit Cards (Stripe): If paying by card, you will enter your card details (cardholder name, number, expiration, CVC) on our checkout form. These details are securely transmitted to Stripe for processing. Stripe may also implement additional security measures like 3D Secure authentication if required by your bank. By providing your card information, you authorize us to charge the specified amount to your card.

  • PayPal: If you select PayPal, you will be redirected to the PayPal website to log in and approve the payment. You agree to follow any PayPal instructions to complete the transaction. Once completed, you will be returned to our site’s confirmation page.

Payment Security: All payments are processed using secure encryption and industry-standard measures. We do not personally store your card numbers or financial account details; those are handled by Stripe or PayPal on their secure servers (Privacy Policy - GEOBSYS). Stripe and PayPal are PCI-DSS compliant and widely trusted payment providers. Nonetheless, you should ensure you are using a secure device and network when making online payments to prevent theft of your payment data.

Payment Timing: You must provide payment at the time of order. The charge will typically occur immediately upon order placement (or in the case of a pre-order or waitlist deposit, as described in that offer’s terms). Your order is not considered accepted (and we have no obligation to deliver the product) until payment is successfully processed. If your payment fails or is rejected by the processor, your order will not be completed, and you will not gain access.

Payment Plans (if offered): If we offer an installment payment plan for a course (e.g. split payment into multiple monthly charges), the terms of that plan (number of payments, amount, schedule) will be presented at purchase. By choosing a payment plan, you agree to pay each installment on time. Stripe or PayPal may store your payment method and automatically charge the future installments. If an installment payment fails, we will notify you to update your payment info. We reserve the right to suspend course access if installment payments are missed or not brought current within a reasonable period.

Taxes and Duties: We charge VAT to customers in the EU as required under the EU VAT rules for digital services (the VAT rate depends on your country). If you are required to pay any additional taxes or duties (for example, if your country imposes a digital services tax or if you are a business customer handling VAT self-accounting), you are responsible for those. Business customers in the EU with a valid VAT ID may contact us to arrange a VAT-exempt purchase if applicable. For US or other international customers, sales tax is generally not charged for online courses, but if any should apply, it will be indicated at checkout.

Order Confirmation: Once your payment is successfully processed, you should receive an email receipt or order confirmation from us (or from our payment processor on our behalf). This will summarize your purchase. Please save this for your records. If you do not receive a confirmation email within a few hours, please check spam or contact us to ensure the order went through.

3. Refund Policy (30-Day Money-Back Guarantee)

We want you to be satisfied with your digital purchase. If for any reason you are not satisfied with the online course you bought from us, we offer a 30-day refund policy as follows:

  • Eligibility for Refund: You are eligible for a full refund of the course fee if you request it within 30 days from the date of purchase. The 30-day period starts on the day of purchase (when payment is made). For example, if you purchased on April 1, a refund request made by April 30 (11:59 PM in your time zone) would fall within the guarantee period.

  • How to Request a Refund: To initiate a refund, you must contact us within the 30-day window. Send an email to [email protected] (or whatever contact method is provided) with your order details (such as the email you used for purchase, order number if available, and course name). You do not need to provide a reason for cancellation, but optionally we welcome feedback to help us improve.

  • Refund Process: Once we receive your refund request, we will verify your purchase date and eligibility. Qualified refund requests will be processed promptly. We will issue the refund to the original payment method you used. If you paid by credit card, the refund will be credited back to that card (it may take 5–10 business days for your bank to reflect the credit). If you paid via PayPal, the refund will be sent to your PayPal account or original funding source.

  • Access Revocation: After a refund is issued, your access to the course content will be revoked. You agree to delete any copies of course materials you may have downloaded, and you will no longer have authorization to view or use the content. Essentially, a refunded purchase cancels your license to the course (see Intellectual Property section).

  • Limitations:

    • No Refunds After 30 Days: If 30 days have passed since your purchase, you are no longer eligible for a refund. After the 30-day period, all sales are considered final. We encourage you to evaluate the course promptly upon purchase to determine if it meets your expectations.

    • One-Time Refund per Product: Our refund policy is designed to protect customers, but not to be abused. If you purchase the same course again after having received a refund for it in the past, we reserve the right to decline a second refund request. Likewise, we may deny refunds in cases of suspected abuse (e.g. multiple courses nearly fully completed then refunded).

    • Exceptions: In general, our 30-day guarantee is no-questions-asked. However, if the course description explicitly mentions any different refund terms (for example, “All sales final on discounted bundles” or a requirement to demonstrate you've attempted the course), then those specific terms will apply. We will make any such conditions clear before purchase. Unless such conditions are stated, assume the standard 30-day refund policy applies.

This refund policy is intended to give you peace of mind when purchasing. We stand by the quality of our digital products and believe they can provide value when applied. If you are unsatisfied, we will honor our promise as long as the request is timely. This refund guarantee is provided in addition to, and does not affect, any statutory rights you may have under consumer laws. For instance, EU consumers may have a legal right to withdraw from an online purchase within 14 days; here we are voluntarily extending it to 30 days for our courses. Your statutory rights (if applicable) are not limited by this policy.

If you have any questions about our refund process or want to inquire about a refund, please contact our support team. We aim to make the process fair and straightforward.

4. Intellectual Property and Limited License

All content provided as part of our digital products – including but not limited to videos, audio, text, graphics, downloadable PDFs, workbooks, and any other materials – is the intellectual property of Lux & Class j.d.o.o. or our content licensors. This content is protected by copyright, trademark, and other intellectual property laws. Lux & Class retains full ownership of the content and materials we provide, even after purchase.

When you purchase a course or digital product, Lux & Class grants you a limited, non-exclusive, non-transferable license to access and use the content for your own personal, non-commercial use only. This means:

  • You may view, listen to, and engage with the materials for your personal education and reference. You may download resources if explicitly allowed (e.g. if a PDF workbook or slides are provided for student use) and store them on your devices for your personal use.

  • You may not copy, reproduce, redistribute, republish, or share the course content with anyone else who has not purchased the course. This prohibition includes uploading our videos or materials to other websites, forums, or file-sharing platforms, as well as sharing your login credentials with others to grant them access. Each purchase is meant for a single user.

  • You may not sublicense, resell, or commercially exploit the content. This means you cannot incorporate our course (or portions of it) into your own product for sale, cannot hold public viewings or teaching of our content without permission, and cannot claim our content as your own.

  • You may not create derivative works based on our content for distribution. For example, you cannot translate our course into another language and share it, or use our course’s curriculum to create a competing course.

  • All Lux & Class trademarks, logos, and branding that appear in the content or on our site remain our property. You do not gain any ownership or license to use our trademarks by virtue of purchasing a product, except as necessary for lawful use of the product. For instance, you can say “I took a course from Lux & Class,” but you cannot brand your own materials with our name without permission.

  • If we provide any community features (like a discussion forum or group for course members), you must also agree to any community guidelines provided. Generally, you should not post our proprietary content publicly in any such community beyond what is necessary for discussion, and you should not harvest content from the community for external use.

Third-Party Materials: Our courses might include references or links to third-party resources (such as articles, videos, or tools). All such third-party content is owned by the respective owners and may be subject to their own terms. Our license to you covers only the original content we created. If we include third-party content in our course under permission or license, that content remains the property of its owner and is protected accordingly.

Termination of License: If you violate any of the above license terms, your authorization to access and use the content automatically terminates. In that event, you must immediately cease using the content and delete any copies in your possession. We also reserve the right to terminate your access to the course (and any other current or future courses) without a refund if you are caught violating these intellectual property rules, as such behavior is considered a serious breach of these Terms.

We invest significant effort in developing our courses, and we appreciate your respect for our intellectual property rights. If you would like to request permission for some use of the content that is not covered by the above license (for example, if you want to share a small excerpt with your team or quote part of the course in a blog post), please contact us to discuss and obtain written permission. Unauthorized use of our intellectual property may result in civil or criminal penalties.

5. User Conduct and Obligations

By using our website and purchasing/engaging with our digital products, you agree to the following obligations and acceptable use rules:

  • Accurate Information: You agree to provide true, accurate, and complete information about yourself when purchasing a product or creating an account. This includes providing a valid email address and any other details requested. You must not impersonate someone else or use an email that you are not authorized to use. Maintaining up-to-date contact information is important for us to communicate with you (for example, for course updates or billing issues).

  • Account Use: You shall use your account (and the course platform) only for personal purposes and not share access. Do not attempt to access accounts of other users, or areas of the platform that you are not explicitly allowed to access.

  • No Illegal or Harmful Use: You agree not to use our website or content for any unlawful purpose or to solicit others to perform or participate in any unlawful acts. You also agree not to engage in any behavior that could harm or disrupt our website or services. This includes refraining from introducing malware, viruses, or any code that could be technologically harmful, and not attempting to gain unauthorized access to our systems.

  • Respectful Engagement: If there are interactive elements (such as comments sections, live calls, or community groups related to the course), you agree to engage respectfully and not post offensive, defamatory, or harassing content. We reserve the right to moderate and remove any user-generated content that violates these standards or is unrelated to the course material.

  • Prohibition on Redistribution: As detailed in the Intellectual Property section, you must not redistribute or share course materials. This is reiterated here as a key part of user conduct. Any attempt to pirate or provide our content to non-paying individuals is a violation of these Terms.

  • Compliance with Laws: You are responsible for complying with all applicable local, state, national, and international laws when using our service. For example, if you are subject to any regulations (such as your employer’s policies on outside training or government regulations on e-learning), it is your responsibility to adhere to those; we do not assume liability for any user’s non-compliance with external laws or regulations.

  • No Misuse of Support: Our team is here to support you, but we require civil interaction. Abusive or excessive communications to our support channels (such as spam, threats, or profanity) will not be tolerated and can result in termination of service.

If you violate any of these obligations or any other provision of these Terms, we may take action including warning you, suspending your access, terminating your account, and/or pursuing legal remedies if applicable. Users who violate system or network security may incur criminal or civil liability.

6. Disclaimers (No Guaranteed Results)

Educational Purpose: The digital products (online courses) provided by Lux & Class are for educational and informational purposes. While we strive to offer high-quality content that can help you develop skills or knowledge in the subject matter, we do not guarantee any particular results or outcomes from your use of the course.

No Guaranteed Success: Any examples of success, case studies, or testimonials that we provide are meant to illustrate potential benefits of applying the course material. They are not promises or guarantees that you will achieve the same results. Your personal results will depend on many factors including your effort, background, experience, starting skill level, and external circumstances beyond our control. You acknowledge that outcomes will vary from person to person, and Lux & Class expressly disclaims any responsibility for your success or lack thereof.

No Professional Advice: Our courses may include practical advice, strategies, or techniques in their respective fields (for instance, business, finance, personal development, etc., depending on the course topic). However, unless explicitly stated, our content is not tailored to your specific situation and does not constitute professional advice (such as legal, financial, or medical advice). You should use your own judgment and, if appropriate, consult a licensed professional before implementing any suggestions from our courses that could have significant implications. Lux & Class is not liable for any actions you take or do not take based on the information in our courses.

As-Is Basis: The website and digital products are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, Lux & Class disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the content is error-free, complete, or up-to-date, although we do our best to ensure accuracy and relevancy. We also do not guarantee that access to the content will be uninterrupted or that the website will be free of viruses or other harmful components (though we take precautions).

Technology Disclaimer: You are responsible for ensuring you have the necessary technology (computer, software, internet access) to access the courses. We are not responsible for any technical difficulties on your end, such as incompatible hardware or connectivity issues. While we endeavor to keep our site and platforms compatible and running smoothly, temporary downtime may occur (for maintenance or due to issues beyond our control such as hosting outages). We will work to restore service as quickly as possible, but we are not liable for any inconvenience or loss caused by such downtime.

Third-Party Integrations: As mentioned, our services rely on third-party platforms (Kajabi, ClickFunnels, etc.). We disclaim liability for any acts or omissions of these third-party services. For example, if Kajabi experiences an outage or data loss, or if a feature on their platform malfunctions, we will do our best to liaise with them to fix the issue, but we cannot guarantee their performance. Any third-party content or links on our site are provided for convenience; we do not endorse and are not responsible for any third-party websites or resources.

User’s Responsibility: You accept that your use of the course material is at your own risk. You assume full responsibility for any results (or lack thereof) you obtain when you apply what you have learned. Lux & Class is not liable for any decisions you make or actions you take in reliance on the information provided by our products. For instance, if you take a business course from us and then start a business, we are not responsible for the success or failure of that business – those results are due to your execution and other factors outside our control.

In summary, we make no guarantees or warranties regarding the outcomes from our courses, and we provide the content as a learning tool that you can apply as you see fit. This disclaimer is a fundamental part of our agreement; we would not be able to offer these educational services at the current price point without such limitations. Some jurisdictions do not allow certain warranty exclusions, so to that extent, some of the above may not apply to you – however, in any such case our liability is limited to the extent permitted by law (see Limitation of Liability below).

7. Limitation of Liability

To the maximum extent permitted by law, Lux & Class j.d.o.o. (and its owners, directors, employees, and agents) will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, goodwill, or other intangible losses, resulting from:

  • Your use of (or inability to use) the website or digital products.

  • Any errors, mistakes, or inaccuracies in the content.

  • Any personal injury or property damage resulting from accessing our courses (though note, our digital courses should not involve physical injury risk in normal use).

  • Any unauthorized access to or use of our servers and/or any personal information stored therein.

  • Any interruption or cessation of transmission to or from our website.

  • Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our website by any third party.

  • Any decisions made or actions taken by you in reliance on the information or strategies presented in the course material.

  • Any outcome from interactions with other users of the course in a community setting (e.g., if we facilitate group discussions, we are not responsible for what other users say or do).

In other words, our liability is limited solely to direct damages that you actually incur, and even then, our total aggregate liability to you shall not exceed the amount you paid to Lux & Class for the product or service that is the subject of the claim. For example, if you paid €200 for a course and you bring a claim arising from that course, our maximum liability would be €200.

This limitation applies regardless of the legal theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Exceptions: Nothing in these Terms seeks to exclude or limit liability that cannot be excluded under applicable law. Notably:

  • We do not exclude liability for death or personal injury caused by our gross negligence or willful misconduct.

  • We do not exclude liability for fraud or fraudulent misrepresentation.

  • Any statutory rights you have as a consumer that cannot be waived or limited are not affected by this clause. Some jurisdictions do not allow the exclusion of certain warranties or conditions or the limitation of liability for certain types of loss. In such jurisdictions, our liability will be limited to the extent permitted by law.

You acknowledge that the pricing of our products reflects this allocation of risk and the limitation of liability specified herein. If you do not agree to this limitation, you should not purchase our digital products.

8. Governing Law and Jurisdiction

These Terms & Conditions and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or the use of our website or products shall be governed by and construed in accordance with the laws of Croatia.

If you are a consumer residing in the European Union, this choice of Croatian law does not deprive you of any protection afforded to you by provisions of consumer law in your country of residence which are mandatory (meaning, if your country’s laws have certain consumer protections that apply regardless of a contractual choice of law, those protections still apply).

Jurisdiction: In the event of any dispute or controversy arising from these Terms or your use of our services, we and you agree to first attempt to resolve the issue informally by contacting each other (see Contact section) and seeking a solution. If a resolution cannot be reached informally, any legal proceedings shall be subject to the exclusive jurisdiction of the courts of Croatia. You agree that Croatia is a convenient forum and submit to the personal jurisdiction of the courts in Croatia.

However, if you are a consumer resident in the EU, you may also be entitled to bring an action in your country of residence under certain conditions (for instance, under the EU Brussels I Regulation on jurisdiction). These Terms do not prevent you from exercising any such rights. Additionally, the EU provides an Online Dispute Resolution (ODR) platform which you can use to facilitate resolution of disputes (though we prefer direct communication). Our contact email for dispute resolution is provided below.

Specific Performance & Injunctive Relief: Notwithstanding the above, you agree that we may seek injunctive or other equitable relief in any court of competent jurisdiction in the event of a breach (or threatened breach) of intellectual property or misuse of our content, since such a breach could cause irreparable harm that may not be adequately compensated by money damages.

9. Changes to These Terms

Lux & Class reserves the right to modify or update these Terms & Conditions from time to time. If we make material changes to the Terms, we will notify users by posting the updated Terms on our website with a new effective date, and/or by sending an email notice to users (if, for example, you have an active account or recent purchase). It is important that you review any updated Terms, as your continued use of our website or services after the changes have been made will signify your acceptance of the revised Terms.

If you do not agree to the revised Terms, you should stop using our services and, if applicable, may contact us regarding termination of your account or any ongoing subscriptions (though note, refunds will only be provided according to the Refund Policy applicable).

For changes that are minor or editorial (for example, correcting a typo, updating our business address, or clarifying a provision) we may not send out specific notifications, so we encourage you to check this page periodically. The “Last updated” date at the top indicates when the latest changes were made.

10. Miscellaneous

Entire Agreement: These Terms, along with our Privacy Policy and any additional guidelines or terms referenced herein (such as specific product terms or promotions), constitute the entire agreement between you and Lux & Class regarding the use of our website and courses. They supersede any prior agreements or understandings, whether written or oral, relating to the same subject matter.

Severability: If any provision of these Terms is found to be unlawful, void, or unenforceable by a competent court, that provision shall be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions. The invalid provision will be interpreted, replaced, or removed so as to accomplish the intent of the original provision to the greatest extent possible under law.

No Waiver: If Lux & Class fails to enforce any right or provision of these Terms, it shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Lux & Class.

Assignment: You may not assign or transfer your rights or obligations under these Terms to any other person or entity without our prior written consent. Lux & Class may assign its rights and obligations to a third party in the event of a merger, acquisition, or sale of assets, or by operation of law, and we will notify users if such a transfer occurs.

Third-Party Rights: These Terms are for the benefit of you and us. Except as explicitly provided, they are not intended to benefit or be enforceable by any other person (a person who is not a party to this agreement has no rights under it). For example, even though our payment processors and platforms benefit from disclaimers and liability limits we set, they are not parties to this agreement and have their own terms with you.

Headings: Section titles and headings in these Terms are for convenience only and have no legal or contractual effect.

11. Contact Us

If you have any questions, concerns, or disputes regarding these Terms & Conditions, you may contact us at:

Lux & Class j.d.o.o.
Email: [email protected]
Address: Mihovila Pavlinovića 1, 23210 Biograd na Moru, Croatia
Phone: [+385-XXX-XXXX] (if applicable)

We will do our best to respond promptly and help resolve any issue. Communications in writing (including email) are preferred for clarity and record-keeping.

By purchasing and/or using our digital products, you acknowledge that you have read, understood, and agree to these Terms & Conditions. Thank you for trusting Lux & Class for your learning needs – we sincerely appreciate your business and are here to support you on your educational journey.