Terms of Service

Last updated: September 27, 2026

1. Introduction and acceptance

These Terms of Service ("Terms") are a legally binding agreement between you ("Client", "you") and Expert Business Solutions LLC ("Company", "we", "us"). They govern your use of our websites and your purchase or use of any course, program, mentoring, membership, digital product, software, physical product or related service offered by the Company under any of its brands (together, the "Services and Products").

By purchasing, subscribing to, registering for or using any Service or Product, you confirm that you have read, understood and accepted these Terms, including the Refund Policy (Section 10A) and our Privacy & Cookies Policy. If you do not agree, do not purchase or use the Services and Products. You must be at least 18 years old to buy from us.

We may update these Terms from time to time. The version published on this page on the date of your purchase applies to that purchase. For ongoing subscriptions, material changes will be notified by email at least 15 days before they take effect, and you may cancel before then.

2. Definitions

3. Company information and merchant of record

Expert Business Solutions LLC is a limited liability company registered in the State of Wyoming, United States of America.

Registered office: 30 N Gould St Ste R, Sheridan, WY 82801, USA
Customer support: info@kirtiranpreet.com · +34 611 405 518
Legal notices: expertapremium.usa@gmail.com

The Company is the seller and merchant of record for all transactions made under its brands, whatever website, platform or tool is used to sell or deliver them. The Company's brands currently include Kirti Ranpreet, Terapeuta de Ti Misma, ECU EXPERTO, Curve Rastre 2Plus, FunnelExperts.io (not yet available) and Experta Premium (not currently selling programs).

The Company's main website is expertbusinesssolutions.io. It also sells through other domains and sales pages, including mentoria.kirtiranpreet.com, ecuexperto.com and the Curve Rastre 2Plus website. Whatever website you use, your contract is with Expert Business Solutions LLC.

4. Languages

The Company's courses, programs, mentoring and other Services and Products are delivered in Spanish and Italian. The language of each product is stated on its sales page. Customer support is available in Spanish, Italian and English.

These Terms are written in English. If there is any difference between this English version and a translation, the English version prevails to the extent permitted by applicable law.

5. Accounts

Some Services require an account (for example, memberships or course platforms). You agree to give accurate information and to keep your login details confidential. Access is personal and may not be shared, resold or transferred. We may suspend accounts that are shared, compromised, fraudulent or used in breach of these Terms.

6. Description of the Services and Products

6.1 Education, mentoring and memberships. Each course, program, mentoring or membership is described on its sales page. The description includes content, format, duration, access conditions, language and price.

6.2 Personalized Products. Personalized Products are created after purchase from the information the Client submits through a form. The delivery time is stated on the sales page. Personalized songs are produced with AI-assisted music tools, with lyrics written by the Company (see Section 18).

6.3 Physical Products. See Section 13.

6.4 Software Platform. The FunnelExperts.io platform is not currently offered for sale. Section 11 will apply once it becomes available.

6.5 Third-Party Expert Products. See Section 14.

7. Acceptable use

You agree to use the Services and Products only for lawful purposes. You must not:

We may remove content, or suspend or terminate access, if you breach this Section.

8. User content and data

You keep ownership of the content and information you submit, for example in personalization forms, community posts or messages. You grant the Company a non-exclusive, worldwide, royalty-free license to use that content only as needed to provide the Services and Products and to meet legal obligations. Personal data is processed according to our Privacy & Cookies Policy.

9. Intellectual property

All courses, videos, audio files, songs, templates, texts, methods, designs, brands and software are the property of the Company or its licensors and are protected by intellectual property laws. Your purchase gives you a limited, personal, non-exclusive, non-transferable and revocable license to use them for your own personal or internal business purposes. Personalized Products are licensed to you for personal use. The Company keeps the underlying rights, except that it will not publish content that identifies you without your consent.

10. Prices and payment

Prices, currency (EUR or USD), taxes, billing frequency and any installment options are shown on the sales page and at checkout before you pay. Payments are processed by third-party processors such as Stripe. The Company does not store full card details. Installment plans are a payment facility for a single purchase, and all installments remain due as agreed. If a payment fails, access may be paused until it is resolved. Card statements show a descriptor that refers to Expert Business Solutions or to the brand of the purchase.

10A. Refund, withdrawal and cancellation policy

10A.1 General rule: all sales are final. Most of the Company's Services and Products are digital, personalized or service-based. For this reason, all sales are final and no refunds are offered once a purchase is completed, except where this policy or mandatory applicable law says otherwise. Before purchasing, the Client must read the product description, delivery conditions and price shown on the sales page and checkout page, and may contact the Company with any questions.

10A.2 Digital content and online access. This covers online courses, programs, memberships, recordings, audio files, downloadable materials and community access. Access is provided immediately after payment. By completing the purchase, the Client:
(a) expressly requests that the Company begin performance or delivery immediately, and
(b) acknowledges that, once access or delivery has begun, the Client loses the statutory right of withdrawal, where that right applies (including under Article 16(m) of EU Directive 2011/83/EU and equivalent national laws).

10A.3 Personalized products. Some products are made to the Client's specifications, such as personalized hypnosis audios and personalized songs. These cannot be cancelled or refunded once the Client has submitted the personalization form or production has started, because they are custom-made (Article 16(c) of EU Directive 2011/83/EU and equivalent laws). The Company will deliver the product within the timeframe stated on the sales page. If the Client does not submit the required information within 60 days of purchase, the Company's obligation to deliver ends and no refund is due.

10A.4 Mentoring, consulting and live programs. Private and group mentoring, consulting and live programs are governed by this policy and by the specific agreement signed at enrollment, if any. If the two conflict, the specific agreement prevails. Sessions the Client misses without notice given within the timeframe set in that agreement are considered delivered. Installment plans are a payment facility, not a subscription: the full program price remains due even if the Client stops attending.

10A.5 Subscriptions and memberships. Subscriptions renew automatically at the end of each billing period until cancelled. The Client may cancel at any time from their account, or by writing to the support email in Section 26 before the next renewal date. Cancellation stops future charges, and access continues until the end of the period already paid. Periods already billed are not refunded, in whole or in part.

10A.6 Physical products (Curve Rastre 2Plus). Where mandatory consumer law gives the Client a right of withdrawal for physical goods (for example, 14 days from delivery for consumers in the European Union), the Client may exercise it by notifying the Company in writing within that period. The product must be returned unused, complete and in its original packaging, and the Client pays the return shipping costs. Once the returned product is received and inspected, the Company will refund the product price by the original payment method. Digital services bundled with the device (for example, membership access) that have already been accessed are not refunded. Defective products are covered by the warranty in Section 13.

10A.7 Non-delivery or material non-conformity. If a product is not delivered, or is materially different from its description on the sales page, the Client should contact the Company within 14 days of the expected delivery date. The Company will first try to deliver or correct the product. If that is not possible, it will issue a full or partial refund.

10A.8 Third-party products. For programs created and delivered by independent experts and sold by the Company, the expert is responsible for the content, quality and delivery of the program. Any refund is handled under this Section 10A.

10A.9 Chargebacks. The Client agrees to contact the Company before filing any payment dispute or chargeback. If a chargeback is filed for a product that has been delivered or accessed, the Company may suspend access to all its Services and provide evidence of delivery and of the Client's acceptance of this policy to the payment processor.

10A.10 Mandatory rights. Nothing in this policy limits rights that the Client has under mandatory consumer protection law in their country of residence that cannot be waived by contract.

11. Software platform (FunnelExperts.io)

When the Software Platform becomes available, it will be offered by subscription under the plan conditions shown at checkout. It is provided "as is" and "as available". Features may change or be discontinued, and beta features carry no warranty. Clients are responsible for the lawful use of the platform, including consent for any messages they send through it and compliance with data protection law for the data they upload.

12. Delivery platforms and third-party tools

The Company uses third-party platforms to host and deliver some Services, such as Skool for communities, course platforms, video and email tools, and, for some offers, Hotmart as a sales channel. These platforms provide technical infrastructure only and do not replace the Company as your contracting party, unless the checkout clearly states that the platform is the seller. When you use them, their own terms of use also apply. The Company is not responsible for outages or changes on those platforms. If a platform is discontinued, it will provide access through an equivalent alternative.

13. Physical products, shipping and warranty

The Curve Rastre 2Plus device is sold alone or bundled with Digital Services such as ECU EXPERTO membership access. It is shipped internationally by carriers such as DHL or FedEx, with a tracking number. Delivery times are estimates. Customs duties, import taxes and fees in the destination country are paid by the Client unless the checkout states otherwise.

The device has a one (1) year limited warranty against manufacturing defects from the delivery date. The warranty does not cover misuse, accidents, unauthorized modifications, incorrect installation, or normal wear and tear. To make a claim, contact customer support with your order number and a description of the defect. This warranty is in addition to any legal guarantee of conformity that applies under mandatory law in your country.

14. Third-party expert products

The Company may sell programs, courses and services created and delivered by independent experts who are not employees or agents of the Company. It does so under a resale or license agreement with each expert. The sales page of each Third-Party Expert Product names the expert responsible for it.

This Section does not limit mandatory consumer rights that cannot be excluded under applicable law.

15. Availability and support

Online Services are provided "as available". We do not guarantee uninterrupted or error-free access, and maintenance or third-party outages may cause temporary interruptions. Customer support answers by email within 2 business days, Monday to Friday.

Unless a sales page states a different period, access to recorded courses and programs purchased with a one-time payment lasts for as long as the product is offered. If the Company withdraws a product, it will give at least 30 days' notice so that Clients can review the content.

16. Wellness and personal-development disclaimer

Our hypnosis audios, personalized songs, sound practices, coaching, mentoring and personal-development programs are educational and for personal growth only. They are not medical, psychological or psychiatric diagnosis, treatment or therapy, and they do not replace the care of a licensed doctor, psychologist or other health professional. If you have a health condition, consult a professional before using them. Do not listen to hypnosis or relaxation audios while driving, operating machinery or doing any activity that requires full attention. Hypnosis audios are not recommended for people with epilepsy or severe psychiatric conditions without medical advice.

17. Earnings and results disclaimer

The Company does not promise or guarantee any income, business result, health outcome or personal change. Any examples or testimonials describe individual experiences and are not typical or guaranteed results. Your results depend on your effort, circumstances and many factors outside the Company's control.

18. Artificial intelligence

Some products, such as personalized songs, and some internal processes use AI-assisted tools. The content is reviewed by the Company before delivery. AI-assisted outputs may contain imperfections. The Client is responsible for reviewing any AI-generated material before using it for their own purposes.

19. Mentoring and professional services

Mentoring, consulting and done-with-you services are provided with reasonable skill and care, but the Company does not guarantee any specific outcome. Mentoring programs may be governed by a specific agreement signed at enrollment. If that agreement conflicts with these Terms, the specific agreement prevails. Sessions must be scheduled and used within the program period stated in the agreement or on the sales page.

20. Limitation of liability

To the maximum extent permitted by law:

Nothing in these Terms limits liability that cannot be limited under applicable law, such as liability for fraud, gross negligence, or death or personal injury caused by negligence.

21. Indemnification

You agree to indemnify and hold the Company harmless from claims, damages and costs, including reasonable legal fees, that arise from your breach of these Terms, your misuse of the Services and Products, or your infringement of third-party rights.

22. Suspension and termination

The Company may suspend or end access to a Service in these cases:

Amounts already due remain payable. Sections 9, 16, 17 and 20 to 25 continue to apply after termination.

23. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, USA, without regard to conflict-of-law rules. Before starting any formal claim, the parties will try to resolve the dispute in good faith by writing to the contact addresses in Section 26, for at least 30 days.

For Clients acting in a business capacity, any unresolved dispute will be settled by binding individual arbitration, and class actions are waived. If you are a consumer residing in the European Union or another country with mandatory consumer protection rules, you keep the protection of those mandatory rules. You may bring a claim before the courts of your country of residence, and nothing in this Section deprives you of those rights.

24. Force majeure

The Company is not responsible for delays or failures caused by events beyond its reasonable control, including:

25. General provisions

These Terms, together with the sales page, the checkout conditions and any specific agreement signed with the Client, form the entire agreement for each purchase. If a provision is found invalid, the rest remains in force. Failure to enforce a right is not a waiver of that right. The Client may not transfer their rights without the Company's consent.

26. Contact

Expert Business Solutions LLC · 30 N Gould St Ste R, Sheridan, WY 82801, USA
Customer support: info@kirtiranpreet.com · +34 611 405 518
Legal notices: expertapremium.usa@gmail.com