Business contact detailsLast updated: July 2026Note on scope: These Terms are written to apply to clients worldwide, with particular attention to Israel (our home jurisdiction), the EU/EEA, the United States, and Russia. Nothing in these Terms limits any statutory consumer right you have under the mandatory law of your own country of residence that cannot be waived by agreement.
1. General Provisions1.1. These Terms of Service (the "Terms") govern the relationship between Galina Igorevna Likhitskaia, an independent business owner (osek) registered in Israel (the "Provider," "we," "us"), and any individual or company (the "Client," "you") who books, purchases, or otherwise uses any service offered through
https://galina.expert (the "Website").
1.2. By booking a service, submitting a form, making a payment, or otherwise engaging with the Provider, you confirm that you have read, understood, and agree to these Terms.
2. Services2.1. The Provider offers professional advisory, coaching, and educational services, including but not limited to:
- Individual consultations — one-on-one advisory sessions on business, product, personal growth, or goal-achievement topics;
- Trainings and educational programs — structured courses, workshops, and learning sessions delivered live or as recorded content;
- Strategic sessions — working sessions on business or personal/professional strategy;
- Company audits — review and assessment of a company's business, product, or operational processes, resulting in findings and recommendations;
- "Делаю шаг" ("Taking a Step") program — a group challenge/mentoring program based on the Provider's methodology for goal achievement through small daily actions, habit formation, and peer accountability, delivered over a defined period (minimum 30 days).
2.2. The exact scope, format, duration, deliverables, and price of each service are agreed individually with the Client before payment and form part of the agreement between the parties together with these Terms.
2.3. The Provider may adjust the content, format, or schedule of any program between cohorts, provided the scope already paid for by a current Client is not reduced without notice.
3. Booking and Ordering Process3.1. Services are booked via the Website, Telegram, email, WhatsApp, or a scheduled call, followed by confirmation of scope and price by the Provider.
3.2. A booking is confirmed once the Client has received confirmation of the service details and made the applicable payment (in full or as a deposit, as agreed).
3.3. The Provider may decline to provide a service to any prospective Client at its sole discretion.
4. Payment Terms4.1. Prices are quoted in the currency agreed at booking and payable via the payment methods made available by the Provider.
4.2. Unless otherwise agreed, payment is due in advance of service delivery, or per the payment schedule agreed for multi-session programs.
4.3. Prices are exclusive of bank/payment-processor fees unless stated otherwise. Depending on your country of residence, Israeli VAT (מע"מ) may or may not apply to your purchase; cross-border service exports from Israel are often zero-rated, but this depends on your specific circumstances and is confirmed on request — this is a tax matter, and we recommend confirming your own tax obligations (e.g., reverse-charge VAT in the EU, sales tax in the US) with your own accountant.
4.4. Instalment payment options may be offered for longer programs; a missed instalment may result in suspended access until payment is received.
5. Right to Cancel, Reschedule, or Withdraw
5.1. Individual consultations and strategic sessions: you may reschedule or cancel with at least 24 hours' notice. Later cancellations or no-shows are non-refundable, subject to §5.4–5.5 below.
5.2. Trainings, group programs, and the "Делаю шаг" program: specific refund and withdrawal conditions for each cohort (including any cooling-off period, partial refund for unused sessions, or no-refund policy after the start date) will be communicated before payment and form part of the agreement for that program.
5.3. Company audits: fees for work already performed are non-refundable; any unearned portion of a prepaid fee for work not yet started will be refunded on request.
5.4. Right of withdrawal for consumers in the EU/EEA/UK: if you are a consumer located in the EU, EEA, or UK, you generally have the right to withdraw from a distance contract for services within 14 days of booking, without giving a reason, under the EU Consumer Rights Directive (2011/83/EU) or the equivalent UK regulations.
If you ask us to begin delivering the service (e.g., a call, session, or program) within that 14-day period, you acknowledge and expressly agree that you may lose this right of withdrawal once the service has been fully performed, or you may owe a proportionate amount for the part already delivered if you withdraw partway through. To withdraw, notify us at
galina.likhitskaia@gmail.com before the service has started or been completed.
5.5. Right of cancellation for consumers in Israel: under the Israeli Consumer Protection Law, 5741-1981, and the Consumer Protection (Cancellation of Transaction) Regulations, you may have a statutory right to cancel certain distance-sale service transactions within 14 days of booking, subject to conditions and exceptions set out in that law (including exceptions where the service has already been substantially provided with your consent).
5.6. Provider-initiated changes: the Provider may cancel or reschedule a session, program start date, or cohort due to unforeseen circumstances, and will offer a suitable alternative date or a full refund for the affected service.
6. Client Obligations6.1. The Client agrees to provide accurate information necessary for the Provider to deliver the service.
6.2. The Client is responsible for their own decisions and actions taken as a result of any consultation, training, strategic session, audit, or program. The Provider offers guidance, frameworks, and recommendations but does not guarantee specific business, financial, or personal outcomes.
6.3. For group formats (including "Делаю шаг"), the Client agrees to follow the group's stated rules of participation (e.g., daily reporting, respectful communication). The Provider may remove a participant for repeated failure to follow these rules, without refund of the portion of the program already delivered, subject to §5.4–5.5 above where they apply.
7. Intellectual Property7.1. All materials provided by the Provider (training content, frameworks, worksheets, recordings, the "Делаю шаг" methodology, and other proprietary material) remain the Provider's intellectual property.
7.2. The Client may use such materials for personal or internal business purposes only, and may not copy, resell, publicly share, or distribute them to third parties without the Provider's prior written consent.
8. Confidentiality8.1. Any business or personal information shared by the Client with the Provider is treated as confidential and will not be disclosed to third parties except with consent, where required by law, or where already public.
8.2. In group programs (such as "Делаю шаг"), participants may share personal goals and progress with other group members as part of the program's design; the Provider is not responsible for other participants' handling of information shared within the group.
9. Disclaimers and Limitation of Liability9.1. The Provider's services are advisory, educational, and coaching in nature. They do not constitute legal, financial, medical, or psychological/therapeutic advice and are not a substitute for such professional services.
9.2. The Provider does not guarantee specific results, as outcomes depend substantially on factors outside the Provider's control, including the Client's own actions.
9.3. To the maximum extent permitted by applicable law, the Provider's total liability to the Client for any claim arising from the services shall not exceed the amount paid by the Client for the specific service giving rise to the claim. This clause does not limit any liability that cannot be excluded under the mandatory consumer-protection law of your country of residence.
9.4. The Provider is not liable for indirect, incidental, or consequential damages, including loss of profit or business opportunity, arising from use of or reliance on any service.
10. Force MajeureThe Provider is not liable for delay or failure to perform due to causes beyond its reasonable control, including illness, natural disasters, government action, war, or failure of third-party platforms used to deliver the service.
11. Governing Law and Disputes11.1. These Terms are governed by the laws of the State of Israel, without regard to conflict-of-law principles, as this is the Provider's place of business.
11.2. If you are a consumer resident in the EU/EEA, UK, or another jurisdiction whose law grants you mandatory consumer protections that cannot be limited by contract (including rights described in §5.4–5.5), those protections apply to you in addition to these Terms, regardless of the governing-law clause above.
11.3. The parties will first attempt to resolve any dispute amicably. Absent agreement, disputes will be subject to the jurisdiction of the competent courts of Israel, without prejudice to any mandatory right you may have to bring proceedings in the courts of your own country of residence under applicable consumer-protection law.
12. Changes to These TermsThe Provider may update these Terms from time to time. The current version is always available at
https://galina.expert. Continued use of the Website or booking of services after changes are posted constitutes acceptance of the updated Terms.
This document reflects general requirements of Israeli, EU/UK, US, and Russian law as of July 2026, and is not a substitute for legal advice. Given real financial/legal exposure (particularly the EU/Israeli 14-day withdrawal rights in §5.4–5.5 and VAT treatment in §4.3), consider a review by a lawyer or accountant familiar with cross-border services from Israel before relying on this as final.