Last updated: 03.03.2026
OVERVIEW
This website is operated by Luxxentra (doing business as Planning My Growth) ("Planning My Growth", "we", "us", "our").
Contact email: [email protected]
Planning My Growth provides content, digital downloads, courses, subscriptions, and links to third-party products and services (including affiliate/referral links). These Terms of Service ("Terms") apply to your use of our website and any purchase or use of our products or services (the "Service"). By visiting our site and/or purchasing something from us, you agree to these Terms and any additional policies referenced here (including our Privacy Policy and Refund/Returns Policy). If you do not agree to these Terms, do not use the Service.
WHO CAN USE THE SERVICE
You must be at least the age of majority in your place of residence to purchase from our site. If you are under the age of majority, you may only use the Service with the consent of a parent or legal guardian. You may not use the Service for any illegal or unauthorized purpose, or in a way that violates any laws in your jurisdiction.
CHANGES TO THESE TERMS
We may update these Terms from time to time. The “Last updated” date shows when changes were made. By continuing to use the Service after changes take effect, you agree to the updated Terms.
OUR PLATFORM AND SERVICE PROVIDERS
Our website and digital services rely on third-party platforms, tools, and service providers to operate (for example, website hosting, membership/community platforms, email delivery, analytics, and payment processing). These providers may change from time to time.
Payments are processed by third-party payment processors (such as Stripe and/or PayPal, depending on what is available at checkout). We do not store full payment card details.
In addition, some parts of your experience may involve third-party services that we do not control, including platforms used by third parties we link to (for example, when you click an affiliate/referral link and complete a purchase on another company’s website, which may use tools like ClickFunnels or other checkout/marketing platforms). Where applicable, your use of those third-party services is subject to their own terms and policies.
WHAT WE OFFER
Planning My Growth may offer a variety of digital products, services, and resources through the website. Examples may include digital downloads, courses, subscriptions, memberships, and other online content or tools. The specific offerings available at any time will be described on the relevant product or checkout page.
In some cases, we may also share links to third-party products or services, including affiliate/referral links. If you purchase from a third party through one of those links, your purchase is made directly with the third party and their terms and policies apply.
AFFILIATE LINKS AND THIRD-PARTY PURCHASES
Some links on our website are affiliate or referral links. If you click an affiliate/referral link and purchase from a third party, your purchase is made directly from that third party and your contract is with them (not with us).
That means:
* The third party sets the price, terms, billing, cancellations, refunds, delivery, and support for that purchase.
* We do not control third-party products/services and are not responsible for them.
* The third party’s terms and privacy policy apply to your purchase and use.
* We may receive a commission or referral fee for qualifying purchases.
If you have an issue with a third-party purchase (billing, cancellation, access, refunds), you should contact the third-party provider directly.
We do not guarantee the accuracy of third-party claims, earnings statements, or results, and any such claims are the responsibility of the third party.
ACCOUNT INFORMATION, CHECKOUT, AND PAYMENTS
If you create an account, you are responsible for maintaining the security of your login details and for activities under your account. You agree to provide current, complete, and accurate information when placing a purchase.
Payments may be processed by third-party payment processors (such as Stripe and/or PayPal). We do not store full payment card details.
Prices may be shown inclusive or exclusive of taxes depending on your location. Any applicable taxes will be displayed at checkout where required.
We may refuse or cancel purchases at our discretion where permitted by law (for example, suspected fraud, abusive behavior, or clear pricing errors). If we cancel a purchase after you have been charged, we will refund the amount paid for that cancelled purchase.
DIGITAL DELIVERY AND ACCESS
Digital products and services are typically delivered via account access, email delivery, download link, or a member portal, depending on the product.
You are responsible for having a compatible device, software, and internet connection.
If you have trouble accessing a digital product or service you purchased from us, contact us at [email protected] and we’ll make a reasonable effort to help you access what you purchased.
COURSES, MEMBERSHIPS, AND SUBSCRIPTIONS
If you purchase a course, membership, or subscription from us, the details shown at checkout (price, billing interval, what is included, and access duration) are part of your purchase terms.
SUBSCRIPTIONS AND RECURRING BILLING
If you purchase a subscription, you authorize us (and/or our payment processor) to charge the subscription fee (and any applicable taxes) on a recurring basis at the interval shown at checkout until you cancel.
TRIALS (IF OFFERED)
If a free or discounted trial is offered, the trial terms (length and any conversion terms) will be shown at checkout. Unless stated otherwise at checkout, trials convert into a paid subscription automatically unless you cancel before the trial ends.
CANCELLING SUBSCRIPTIONS
You can cancel a subscription through your account settings (if available) or by contacting us at [email protected].
Unless stated otherwise at checkout or required by applicable law:
* Cancellation stops future renewals.
* You keep access until the end of the current paid billing period.
* We do not provide partial refunds for unused time in a billing period.
CHANGES TO SUBSCRIPTION PRICING OR FEATURES
We may change subscription pricing or included features. If you are on an active subscription, we will provide notice where required by law. Any changes apply from the next renewal unless stated otherwise.
REFUNDS, WITHDRAWAL RIGHTS, AND “NO REFUNDS” RULES
This section covers purchases from us (not third-party affiliate purchases).
THIRD-PARTY PURCHASES VIA AFFILIATE LINKS
If you bought from a third party via an affiliate/referral link, refunds and cancellations are handled by the third party under their own policies. We can’t override their rules.
DIGITAL PRODUCTS (DOWNLOADS) AND THE EU/EEA WITHDRAWAL RIGHT
In many countries, consumers have a legal right to withdraw from distance purchases within a certain period (often 14 days in the EU/EEA). Digital content is treated differently once delivery/performance begins.
To the extent required by applicable law, by purchasing digital content from us, you:
* request immediate delivery/access, and
* acknowledge that you may lose your right of withdrawal once delivery/performance begins.
Because digital products are delivered immediately and cannot be “returned” in a meaningful way, we do not offer refunds for digital downloads except where required by applicable law or where we choose to do so at our discretion.
COURSES AND SUBSCRIPTIONS REFUNDS
Unless stated otherwise at checkout, course and subscription purchases are non-refundable once access is granted, except where required by applicable law. We may provide refunds in limited cases (for example, duplicate purchases, proven technical failure on our side that we cannot fix), but we are not obligated to do so unless the law requires it.
FRAUD AND CHARGEBACKS
If a payment is reversed through a chargeback or payment dispute, we may suspend or terminate access to the related product/service while the dispute is investigated.
INTELLECTUAL PROPERTY AND LICENSE TO USE OUR CONTENT
All content on this site and in our products (including downloads, course materials, text, graphics, audio/video, templates, and branding) is owned by Luxxentra or licensed to us and is protected by intellectual property laws. When you purchase or access our digital content, we grant you a personal, non-exclusive, non-transferable, revocable license to use it for your own personal use (or internal business use if explicitly stated at checkout).
Unless we explicitly allow it in writing, you may not:
* resell, redistribute, share, or publish our content,
* upload it to public sites or file-sharing services,
* claim it as your own, or
* create derivative products primarily based on our materials for sale.
USER CONDUCT AND PROHIBITED USES
You agree not to misuse the Service. You must not:
* violate any laws,
* infringe intellectual property rights,
* harass or abuse others,
* submit false or misleading information,
* upload viruses or malicious code,
* attempt to gain unauthorized access to the Service or related systems,
* scrape, crawl, or data-mine the Service in a way that harms us or violates applicable law.
We may suspend or terminate access to the Service if you violate these Terms.
ACCURACY OF INFORMATION
We try to keep information on the site accurate, but content may occasionally be incomplete, outdated, or contain errors.
We can change content, pricing, availability, and product descriptions at any time. If there is a clear pricing or listing error, we may cancel the purchase and refund any amount paid.
THIRD-PARTY TOOLS AND LINKS
We may provide access to third-party tools or websites. We do not control them and provide access “as is” and “as available.” Your use of third-party tools, services, and websites is at your own risk and subject to their terms.
We may use third-party analytics and advertising tools on our website; details are explained in our Privacy Policy.
DISCLAIMER AND NO GUARANTEES
We do not guarantee that the Service will be uninterrupted, timely, secure, or error-free.
Our content is provided for general informational and educational purposes. We do not promise any specific results, outcomes, income, or improvements from using our content.
We may modify, suspend, or discontinue any part of the Service at any time, and may limit features or access for technical, legal, or business reasons.
Unless explicitly stated otherwise, the Service and our products are provided “as is” and “as available,” without warranties of any kind to the maximum extent permitted by law.
LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Luxxentra (doing business as Planning My Growth) and our directors, officers, employees, contractors, and partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunities, goodwill, or data, arising out of or related to your use of (or inability to use) the Service. Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for fraud, intentional misconduct, or gross negligence, and (where applicable) liability for death or personal injury caused by negligence.
Where liability cannot be excluded, our total liability for direct damages will be limited to the amount you paid to us for the specific product or service giving rise to the claim, to the extent permitted by applicable law.
INDEMNIFICATION
You agree to indemnify and hold harmless Planning My Growth from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or third-party rights.
TERMINATION
We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms or misused the Service.
You may stop using the Service at any time. If you have a subscription, you are responsible for cancelling it as described above. Sections that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law) will survive.
PRIVACY
Our collection and use of personal data, including the use of cookies, pixels, and similar technologies for analytics and marketing/remarketing, is described in our Privacy Policy: https://planningmygrowth.com/privacy-policy
ENTIRE AGREEMENT
These Terms, together with any policies referenced here and any terms shown at checkout, form the entire agreement between you and us regarding the Service and supersede prior agreements or communications.
SEVERABILITY
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
GOVERNING LAW
These Terms are governed by the laws of Finland. If you are a consumer, nothing in these Terms limits any mandatory consumer protection rights that apply in your country of residence.
CONTACT
Questions about these Terms can be sent to: [email protected]
Business details: Luxxentra (d/b/a Planning My Growth)
Business ID: 1904870-9