Terms and Conditions

1. Scope and Acceptance These Terms and Conditions ("Terms") govern the use of all digital products, services, and content offered through the website coolgirlceo.com ("Website") and any associated platforms operated by the Provider. By placing an order, accessing any digital product, or using any service offered through the Website, you ("Customer", "you") confirm that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not purchase or access any product or service from the Website. These Terms apply to all current and future digital products and services offered by the Provider, unless explicitly stated otherwise in a separate agreement. The Provider reserves the right to update or modify these Terms at any time. Changes will be communicated via the Website. Continued use of any product or service after changes have been published constitutes acceptance of the updated Terms.

2. Provider Information Company Name: BHB Solutions UG (haftungsbeschränkt) Weihenweg 8 21614 Buxtehude Germany Commercial Register Entry: Registered at: Local Court of Tostedt Commercial register number: HRB 208549 Represented by: Bjørn Haltner Bering Contact Information: Phone: +49 162 5899917 Email: info@coolgirlceo.com VAT ID: VAT identification number in accordance with §27a German VAT Act: DE401334195

3. Eligibility You must be at least 18 years of age to purchase or access any product or service offered through this Website. By completing a purchase, you confirm that you are at least 18 years old and legally capable of entering into binding agreements. If a purchase is made by a minor without verifiable parental or guardian consent, the Provider reserves the right to void the transaction.

4. Products and Services 4.1 Product Description The Provider offers digital products and services, including but not limited to downloadable templates, digital guides, content frameworks, and educational resources ("Digital Products"). All product descriptions, previews, and promotional materials on the Website are provided for informational purposes. While the Provider makes every effort to accurately describe its products, minor deviations in format, appearance, or scope may occur.

4.2 Delivery All Digital Products are delivered electronically. Access is provided through a platform or delivery method determined by the Provider at its sole discretion. This may include, but is not limited to, email delivery, download links, access to online platforms, or any other digital delivery method. The Provider reserves the right to change the delivery method or platform at any time, provided that the Customer's access to the purchased content is maintained. Delivery is considered complete once the access link, download, or platform invitation has been sent to the email address provided by the Customer. The Customer is responsible for providing a valid and active email address at the time of purchase.

4.3 Product Availability The Provider reserves the right to modify, discontinue, or limit the availability of any Digital Product at any time and without prior notice. This includes the right to limit the number of units sold, restrict access to certain regions, or withdraw a product from sale entirely.

5. Pricing and Payment 5.1 Prices All prices listed on the Website are final prices. As a small business pursuant to §19 UStG (German Small Business Regulation), the Provider does not charge VAT and no VAT is shown on invoices. Prices are displayed in the currency indicated at the point of sale. Where applicable, prices may be shown in multiple currencies for convenience. The charged amount will be in the currency selected or applicable at checkout. The Provider reserves the right to change prices at any time without prior notice. Price changes do not affect orders that have already been completed. Customers who purchased at an earlier price point are not entitled to a refund of the price difference if prices are subsequently reduced, nor are they required to pay additional amounts if prices are subsequently increased.

5.2 Promotional and Early Access Pricing The Provider may offer time-limited promotional pricing, early access pricing, or discounted rates at its sole discretion. Such offers are valid only for the stated period or until the stated number of units has been sold, whichever comes first. The Provider is under no obligation to extend, repeat, or honor expired promotional pricing. Participation in a waitlist or mailing list does not guarantee access to any specific pricing.

5.3 Payment Methods Payment is processed through third-party payment service providers. The available payment methods are displayed at checkout. By completing a purchase, you agree to the terms and conditions of the respective payment provider in addition to these Terms. The Provider is not responsible for payment failures, declined transactions, or additional fees imposed by your bank, payment provider, or credit card company.

5.4 Payment Obligations Full payment is due at the time of purchase. Access to Digital Products will only be granted upon receipt of full payment. If a payment is reversed, charged back, or otherwise disputed by the Customer, the Provider reserves the right to immediately revoke access to all Digital Products associated with that transaction and to take appropriate legal action.

6. Right of Withdrawal and Refund Policy 6.1 Right of Withdrawal for Digital Content In accordance with Art. 16(m) of the EU Consumer Rights Directive (2011/83/EU) and §356(5) of the German Civil Code (BGB), the right of withdrawal expires for contracts for the supply of digital content not supplied on a tangible medium if: (a) the performance has begun, (b) the Consumer has given prior express consent for performance to begin before the end of the withdrawal period, and (c) the Consumer has acknowledged that they thereby lose their right of withdrawal. By completing a purchase of any Digital Product, you expressly consent to immediate delivery and acknowledge that you lose your statutory 14-day right of withdrawal once access to the Digital Product has been provided.

6.2 No Refund Policy Due to the nature of digital products and the immediate access provided upon purchase, all sales are final. No refunds, exchanges, credits, or partial refunds will be issued under any circumstances. This applies regardless of whether the Customer has downloaded, accessed, or used the Digital Product.

6.3 Exceptions The above does not affect mandatory consumer rights where applicable law does not permit the exclusion of withdrawal rights. In such cases, the statutory minimum provisions apply. If a Digital Product is demonstrably defective or inaccessible due to a technical error on the part of the Provider, the Provider will make reasonable efforts to resolve the issue and restore access. This does not constitute a right to a refund.

7. License and Usage Rights 7.1 Grant of License Upon full payment, the Provider grants the Customer a non-exclusive, non-transferable, non-sublicensable, revocable license to use the purchased Digital Product for personal use only. "Personal use" is defined as the use of the Digital Product exclusively for the Customer's own social media accounts, personal brand, or personal content creation.

7.2 Single-User License Each purchase grants a license to one (1) individual person only. The license is tied to the purchasing Customer and may not be shared with, transferred to, or used by any other person, entity, or account.

7.3 Prohibited Uses The following uses are expressly prohibited without prior written consent from the Provider: (a) Redistribution: Sharing, forwarding, gifting, or otherwise making the Digital Product (or any part thereof) available to any third party, whether free of charge or for payment. (b) Commercial Resale: Selling, licensing, sublicensing, or distributing the Digital Product (or any derivative thereof) as a standalone product or as part of another product or service offering. (c) Agency or Client Use: Using the Digital Product to provide services to third parties, including but not limited to social media management, content creation, consulting, or agency services for clients. (d) Reproduction: Copying, duplicating, or reproducing the Digital Product for the purpose of distribution or sharing beyond the scope of the granted license. (e) Reverse Engineering: Decompiling, disassembling, or attempting to extract the underlying design systems, frameworks, or methodologies from the Digital Product for the purpose of creating competing products. (f) Misrepresentation: Claiming authorship, ownership, or original creation of the Digital Product or any derivative work based on it. The Provider reserves the right to revoke the Customer's license and access immediately and without refund if any prohibited use is detected or reasonably suspected.

7.4 Attribution Attribution to the Provider or the brand @coolgirlceo is not required for the use of Digital Products. The Customer may use the templates and content without crediting the Provider.

8. Contractual Penalty 8.1 Penalty for Unauthorized Use Any breach of the license restrictions set out in Section 7.3 constitutes a material breach of these Terms and triggers a contractual penalty as follows: (a) Unauthorized sharing, forwarding, or agency/client use (Section 7.3(a), (c), (d)): A fixed contractual penalty of €5,000 (five thousand euros) per individual breach. (b) Commercial resale, sublicensing, or distribution as a product (Section 7.3(b)): A fixed contractual penalty of €20,000 (twenty thousand euros) per individual breach. Each individual instance of unauthorized use, each unauthorized recipient, and each unauthorized transaction constitutes a separate breach.

8.2 Additional Claims The contractual penalties set out above represent the minimum compensation for each breach. The Provider expressly reserves the right to claim actual damages exceeding the contractual penalty amount. The contractual penalty will be credited against any proven damages.

8.3 Justification The parties acknowledge that the Digital Products are based on proprietary strategies, frameworks, and systems developed through extensive investment of time, resources, and expertise. Unauthorized distribution or commercial exploitation has the potential to cause significant and irreparable harm to the Provider's business. The contractual penalty amounts are intended to reflect the estimated minimum damage caused by unauthorized use, considering the digital nature of the products and the potential for unlimited unauthorized reproduction.

8.4 Enforcement The Provider may take legal action to enforce these contractual penalties without prior warning. The Customer waives the right to claim that they were unaware of these penalty provisions. Acceptance of these Terms constitutes acknowledgment and acceptance of the penalty clauses contained herein.

9. Intellectual Property 9.1 Ownership All Digital Products, including but not limited to templates, designs, frameworks, text, graphics, layouts, and any associated materials, are and remain the exclusive intellectual property of BHB Solutions UG (haftungsbeschränkt) and/or its licensors. The purchase of a Digital Product does not transfer any ownership rights, copyrights, trademark rights, or other intellectual property rights to the Customer. The Customer acquires only the limited license as set out in Section 7.

9.2 Trademarks The brand name "coolgirlceo", the associated logos, and any other marks used on the Website are trademarks or trade names of the Provider. No right or license to use any such trademark is granted under these Terms.

9.3 Copyright Protection All Digital Products are protected by copyright under German law (UrhG), European law, and applicable international copyright treaties. Any unauthorized use, reproduction, or distribution may result in civil and criminal liability.

10. Disclaimer and No Guarantee of Results 10.1 No Income or Performance Guarantees The Provider makes no representations, warranties, or guarantees regarding specific outcomes, results, follower growth, engagement rates, reach, revenue, or any other performance metrics that may result from the use of any Digital Product. Any statistics, case studies, testimonials, or performance figures referenced on the Website, in promotional materials, or within the Digital Products are based on the Provider's own experience and results. These are shared for illustrative purposes only and do not represent a promise, guarantee, or projection of future results.

10.2 Individual Results Vary The Customer acknowledges and agrees that: (a) Results depend on a variety of factors beyond the Provider's control, including but not limited to the Customer's niche, audience, content quality, consistency, platform algorithm changes, market conditions, and individual effort. (b) The Provider is not responsible for any failure to achieve desired results, regardless of whether the Customer has followed the provided templates, strategies, or frameworks. (c) The purchase of a Digital Product does not create a consulting, coaching, or advisory relationship between the Provider and the Customer.

10.3 No Professional Advice Digital Products are provided for informational and educational purposes only. They do not constitute professional business, legal, financial, tax, or marketing advice. The Customer should consult qualified professionals for specific advice related to their business.

11. Limitation of Liability 11.1 General Limitation To the maximum extent permitted by applicable law, the Provider's total aggregate liability for any and all claims arising out of or in connection with these Terms, the Website, or any Digital Product shall not exceed the total amount paid by the Customer for the specific Digital Product giving rise to the claim.

11.2 Exclusion of Liability The Provider shall not be liable for: (a) indirect, incidental, consequential, special, or punitive damages of any kind, (b) loss of profits, revenue, business, data, or anticipated savings, (c) damages arising from third-party actions, platform changes, or algorithm updates, (d) damages resulting from the Customer's inability to access or use a Digital Product due to technical issues on the Customer's end (e.g. incompatible software, internet connection, expired links due to Customer inaction), (e) damages arising from the Customer's misuse or unauthorized use of a Digital Product, (f) damages arising from unauthorized access to the Customer's account or delivery platform.

11.3 Mandatory Liability Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by negligence, (b) fraud or fraudulent misrepresentation, (c) intentional misconduct or gross negligence, (d) any other liability that cannot be limited or excluded by applicable law.

12. Indemnification The Customer agrees to indemnify, defend, and hold harmless the Provider, its representatives, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) the Customer's breach of these Terms, (b) the Customer's unauthorized use of any Digital Product, (c) the Customer's violation of any third-party rights, (d) any content the Customer creates using the Digital Products, including but not limited to any claims of defamation, infringement, or privacy violations.

13. Third-Party Services and Platforms 13.1 External Platforms The Digital Products may be delivered through or require the use of third-party platforms (e.g. Canva, email services, or content management tools). The Customer acknowledges that: (a) The Provider is not responsible for the availability, functionality, terms, or privacy practices of third-party platforms. (b) The Customer is responsible for maintaining their own accounts on any required third-party platforms and for complying with the respective terms of service. (c) Changes to third-party platforms, their features, pricing, or availability are beyond the Provider's control and do not constitute grounds for a refund or claim.

13.2 Links to External Websites The Website may contain links to external websites or resources. The Provider is not responsible for the content, accuracy, or availability of external sites and does not endorse any products, services, or opinions found there.

14. Data Protection The collection, processing, and use of personal data in connection with these Terms is governed by our Privacy Policy, available at: coolgirlceo.com/privacy-policy By using the Website and purchasing Digital Products, you acknowledge that you have read and understood the Privacy Policy.

15. Force Majeure The Provider shall not be liable for any failure or delay in performance resulting from circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics, government actions, power or internet outages, cyberattacks, or disruptions to third-party platforms.

16. Severability If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the original commercial intent.

17. Entire Agreement These Terms, together with the Privacy Policy and the Legal Notice, constitute the entire agreement between the Customer and the Provider with respect to the use of the Website and the purchase of Digital Products. No prior or contemporaneous oral or written agreements, representations, or understandings between the parties shall have any force or effect.

18. No Waiver The failure of the Provider to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by the Provider.

19. Assignment The Customer may not assign, transfer, or delegate any rights or obligations under these Terms without the prior written consent of the Provider. The Provider may assign its rights and obligations under these Terms to any successor entity, affiliate, or in connection with a merger, acquisition, or sale of assets without the Customer's consent.

20. Governing Law and Jurisdiction These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to conflict of law provisions. For Consumers within the European Union, mandatory consumer protection provisions of the country of residence apply where they offer greater protection. The exclusive place of jurisdiction for all disputes arising from or in connection with these Terms is Hamburg, Germany, to the extent permitted by law.

21. Contact For any questions, concerns, or requests regarding these Terms, please contact: BHB Solutions UG (haftungsbeschränkt) Email: info@coolgirlceo.com Phone: +49 162 5899917 Last Updated: February 2026 We reserve the right to update these Terms at any time in compliance with applicable regulations.