1. General

This Payment, Refund and Cancellation Policy ("Policy") governs all purchases and payment arrangements made through https://cours.recotillon.com/ ("the Website"), operated by Lyra & recotillon Lda, registered at Rua monte da california, Santa Cruz, Portugal ("the Provider", "we", "us").

By purchasing access to any programme, course, or digital service offered on this Website, you ("the Client", "you") agree to be bound by this Policy in its entirety.

2. Nature of the Service

The programmes offered on this Website are digital services and online educational content. Upon purchase, the Client gains access to online materials, resources, and/or live or recorded sessions as described in the relevant programme page at the time of purchase.

3. Pricing and Payment

All prices are displayed on the Website and are inclusive of applicable taxes unless otherwise stated.

We offer the following payment options at checkout:

• Full payment — the total programme fee paid in a single transaction at the time of purchase.

• Instalment payment plan — the total programme fee split into 3 instalments, each of equal value, charged automatically at intervals of 1 month from the date of purchase. This plan is offered at no additional cost.

Payment is processed via Stripe. By providing your payment details, you authorise us to charge the agreed amounts on the agreed schedule.

4. Right of Withdrawal — 14-Day Cooling-Off Period

In accordance with European Union Directive 2011/83/EU on consumer rights and applicable national consumer protection legislation, you have the right to withdraw from your purchase without giving any reason within 14 calendar days from the date of purchase ("the Cooling-Off Period").

4.1 How to Exercise Your Right of Withdrawal

To exercise your right of withdrawal within the 14-day period, you must notify us by sending a clear written statement to:

📧 fierceloveevents@gmail.com

Your notice must include your full name, the date of purchase, and a clear statement that you wish to withdraw. You may use the model withdrawal form below (see Section 11), though its use is not mandatory.

4.2 Effect of Withdrawal

If you validly withdraw within the 14-day period and have not yet accessed the programme content, you will receive a full refund of all amounts paid to date. Refunds will be issued within 14 calendar days of receiving your withdrawal notice, using the same payment method as the original transaction.

4.3 Exception — Loss of Right of Withdrawal Upon Access

⚠️ Important: In accordance with Article 16(m) of EU Directive 2011/83/EU, you expressly acknowledge and agree that if you access or begin consuming the digital content or online programme (including but not limited to: logging in, viewing course materials, attending a live session, or downloading any content) before the 14-day withdrawal period has expired, you waive your right of withdrawal, and no refund will be due.

At the time of purchase, you will be asked to tick a checkbox confirming: "I understand that by accessing the programme content before the 14-day withdrawal period expires, I lose my right of withdrawal and am not entitled to a refund."

5. Instalment Payment Plans — Binding Obligation

5.1 Legal Commitment

When you choose to pay for a programme via an instalment payment plan, you enter into a legally binding payment agreement for the full amount of the programme. The instalment plan is a payment schedule for a single contractual commitment — it is not a subscription service and cannot be cancelled mid-course.

By selecting an instalment plan at checkout, you acknowledge and agree that:

• You are committing to the full programme fee, regardless of how many instalments remain outstanding;

• Each instalment will be charged automatically on the agreed schedule;

• The instalment plan cannot be cancelled, paused, or modified unilaterally once the Cooling-Off Period has expired (see Section 4);

• Your obligation to pay all remaining instalments survives any decision to stop using or accessing the programme.

5.2 No Right to Cancel Remaining Instalments

Once the 14-day Cooling-Off Period has expired (or has been waived under Section 4.3), you are legally obligated to pay all remaining instalments in full. The fact that you have stopped accessing the programme, are dissatisfied with the content, or simply no longer wish to continue does not extinguish your payment obligation.

Cancelling your card, issuing a chargeback, or otherwise attempting to prevent payment of a due instalment does not constitute a valid cancellation under this Policy or applicable law.

6. Failed and Late Payments

6.1 Failed Payment Attempts

If an instalment payment fails (e.g. due to insufficient funds, expired card, or bank refusal), we will:

1. Notify you by email and/or whatsapp of the failed payment;

2. Retry the charge automatically 5 times over the following 4 weeks;

3. Invite you to update your payment details to resolve the issue.

6.2 Continued Non-Payment

If a payment remains outstanding after repeated failed attempts and you have not made alternative arrangements with us within 14 calendar days of the first failure notification, we reserve the right to:

• Suspend your access to the programme immediately;

• Pass the outstanding debt to a third-party debt recovery service;

• Initiate formal legal proceedings to recover the outstanding amount, plus any applicable court fees, interest, and costs as permitted by law.

We will always endeavour to contact you and resolve the matter amicably before taking any formal action.

7. Refund Policy (Outside the Cooling-Off Period)

Outside the 14-day Cooling-Off Period, we do not offer refunds except in the following circumstances:

• The programme was materially different from its description on the Website at the time of purchase;

• The programme was not delivered due to circumstances attributable solely to the Provider;

• A refund is required under applicable mandatory consumer protection law.

Refund requests on any other grounds will be assessed at our sole discretion. To request a refund, please contact us at fierceloveevents@gmail.com with full details of your purchase and the reason for your request.

8. Programme Access

Access to the programme is granted to the Client personally and is non-transferable. Sharing access credentials or content with third parties is strictly prohibited and may result in immediate termination of access without refund.

9. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute with your bank or card provider for a charge that is valid under this Policy, we reserve the right to:

• Provide your bank with evidence of the purchase, acceptance of these terms, and this Policy;

• Recover the disputed amount together with any associated chargeback fees incurred by us;

• Pursue the outstanding balance through debt recovery or legal proceedings.

We strongly encourage you to contact us directly at [YOUR EMAIL] before initiating any bank dispute, as most issues can be resolved quickly and amicably.

10. Governing Law and Jurisdiction

This Policy and any disputes arising from it shall be governed by the laws of Portugal. Any dispute that cannot be resolved amicably shall be subject to the exclusive jurisdiction of the courts of Alentejo/Portugal.

As a consumer based in the European Union, you may also have access to the EU Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr

11. Model Withdrawal Form

(Complete and return this form only if you wish to withdraw from the contract and meet the conditions set out in Section 4)

To: Lyra & recotillon Lda,

Rua monte da california, 7700-250 Santa Cruz, Portugal

fierceloveevents@gmail.com

I/We () hereby give notice that I/We () withdraw from my/our (*) contract of sale of the following service:

• Programme name: ___________________________

• Date of purchase: ___________________________

• Name of Client: ___________________________

• Address of Client: ___________________________

• Signature (if submitted on paper): ___________________________

• Date: ___________________________

(*) Delete as appropriate.

12. Contact

For any questions regarding this Policy, please contact:

Lyra & recotillon Lda,

📧 fierceloveevents@gmail.com
📍 Rua monte da california, 7700-250 Santa Cruz, Portugal

This Policy was last updated on 01/01/2026. We reserve the right to update this Policy at any time. Changes will be posted on this page with an updated date. Continued use of our services following any changes constitutes acceptance of the revised Policy.