Terms and conditions

1. Who you are contracting with

That depends on where you order from. If you order from the European Union, your seller is Olha Loresh trading as a sole trader (Einzelunternehmerin, Gewerbe) in Germany — the same business that prints and dispatches your set from Hamburg. If you order from Ukraine, your seller is Фізична особа-підприємець Лореш Ольга Юріївна (individual entrepreneur Olha Yuriivna Loresh), registered under № 2 585 000 0000 028268 of 20 April 2018.

The same person stands behind both, and the set, the price and the training are identical either way. Full details of both are in the imprint.

2. What these terms cover

They apply to the sale of the Sex&Money facilitator package in its three forms — €800, €1000 and €1200 — and to any training delivered with it. Nothing is sold through this website directly: you send an enquiry, we talk, and a contract comes into being only when we confirm your order in writing and you pay.

3. How an order is made

1. You send an enquiry through the form or by messenger.
2. We speak, usually for about half an hour. Certification is not automatic: it may be declined at this stage, and if so nothing is charged.
3. You choose an option and the language your set is printed in.
4. We confirm the order in writing, with the price, the language and the expected delivery date, and issue an invoice.
5. Payment makes the contract binding, and production begins.

4. Prices and payment

Prices are €800, €1000 and €1200. Delivery to any address in the European Union is included. Ukraine is served at the same prices.

No value added tax is added to these prices. For sales from the European Union the German seller is a small business under § 19 UStG and charges no VAT; for sales from Ukraine the sole trader is taxed under the single tax regime and is not registered for VAT. What you see is what you pay, and the price stated in your written order confirmation is the price of your order.

Payment is made by bank transfer to the seller's business account or by card, against an invoice issued after the order is agreed. Payment in parts is available through PrivatBank's Оплата частинами, which operates with cards issued in Ukraine.

Invoices are issued in euro, the currency the prices are set in. Inside Ukraine they are issued in hryvnia instead, converted from the euro price at PrivatBank's rate on the day. A transfer in euro within the SEPA area normally costs nothing; for any other cross-border transfer, bank charges are borne by the payer, and where an intermediary bank deducts its own fee in transit, the shortfall is settled before the set goes to press.

5. Production and delivery

Every set is printed to order, in the language you choose, and dispatched from Hamburg, Germany. Because the parcel is sent from within the European Union, there is no customs clearance and no import duty for EU buyers.

• English, Russian or Ukrainian set, delivered in the EU: 14 days from receipt of payment.
• A language that must be translated first — German, Polish, Spanish and so on: 20 days from receipt of payment.
• Delivery within Ukraine: 10 days from receipt of payment.

These are working estimates for production plus transit. If a delay is unavoidable you will be told as soon as we know, with a new date. Risk of loss passes to you when the parcel is handed to you or to a carrier chosen by you.

Every set contains 50 printed player workbooks and 50 participant certificates (35 for women, 15 for men), together with the print-ready files for both, so that further copies can be printed by the facilitator at any time.

Inside Ukraine the set is sent by Ukrposhta or Nova Poshta. From the EU it goes by DHL as standard, and by Hermes, DPD, GLS, UPS or FedEx instead if you would rather have one of those — say which when you order.

6. What the training includes

• €800 — the printed set, both Miro boards, twelve months of the online game on this site, the method in writing, the marketing kit, the facilitator certificate and the commercial licence in section 8.
• €1000 — as above, plus the video course, voiced in your language.
• €1200 — as above, plus three live lessons with Olga Loresh of three hours each, held in Russian or in Ukrainian.

A trial game is part of certification in every option: you run one full session, online or in person, it is reviewed, and the certificate is then issued in your name.

The Miro boards are yours to keep. Access to the online game on this site runs for twelve months from delivery. After that it can be renewed for €96 a year; it is never renewed without your request.

The three live lessons in the €1200 option are to be taken within three months of purchase. Dates are agreed with you in advance; a session you cannot attend is moved once at no cost, and after that it is treated as taken. The written manual and the video course do not expire.

7. Right of withdrawal

This section matters only if you buy as a consumer — for purposes that lie mainly outside your trade or profession. If you buy the package for a practice you run or are setting up, you buy as a business, and there is no statutory right of withdrawal. Section 10 on defects applies either way.

7.1 The printed set: no right of withdrawal

Every set is produced only after your order and to your specification: it is printed in the language you choose — translated for you first where that language is not yet ready — and the facilitator certificate is issued in your name. Goods made to the consumer's specifications or clearly personalised are excluded from the right of withdrawal (§ 312g(2) no. 1 BGB; Article 16(c) of Directive 2011/83/EU). This covers the whole €800 package, which is produced and supplied as one set. We say so again in your written order confirmation, before you pay.

7.2 The video course and the live lessons

The video course in the €1000 and €1200 options and the three live lessons in the €1200 option are not printed to order, and for them a consumer has the statutory right to withdraw within 14 days of the day the contract is concluded, without giving a reason.

• Video course. The right ends early once we have given you access, if you asked for access within the 14 days and confirmed that you know you lose the right of withdrawal when access begins (§ 356(5) BGB). Without that request, access starts once the 14 days are over.
• Live lessons. If you ask for a lesson to take place within the 14 days and then withdraw, you pay for the lessons already held, in proportion to the price of the three (§ 357a(2) BGB). Once all three have been held at your request, the right has ended.

For a withdrawal, the video course accounts for €200 of the price and the three live lessons for €200 — the difference between the options. Withdrawing from one of them leaves the rest of your order as it is.

7.3 How to withdraw

Tell us clearly that you are withdrawing — by email to [email protected] or by post to the seller's address in the imprint — and say which order you mean. You may use the model form below, but you do not have to. Sending your statement before the period ends is enough.

7.4 Refund

We refund the amount for the part you have withdrawn from without undue delay and no later than 14 days after your statement reaches us, using the means of payment you used unless we expressly agree otherwise. The refund costs you nothing.

Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract.)

To: Olha Loresh, Moorgrund 63, 22047 Hamburg, Germany, [email protected]
— I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the supply of the following digital content / the provision of the following service (*): …
— Ordered on (*) / received on (*): …
— Name of consumer(s): …
— Address of consumer(s): …
— Signature of consumer(s) (only if this form is notified on paper)
— Date: …
(*) Delete as appropriate.

7.5 Orders from Ukraine

For orders placed from Ukraine, the rights of a consumer under Ukrainian law apply.

8. Your licence as a certified facilitator

Once certified you may run Sex&Money sessions commercially, for as long as you like, and you keep every fee you charge. There is no royalty, no ongoing fee and no obligation to report what you earn.

You may reprint the player workbooks for use at your own tables.

You may not: resell, copy or distribute the board or the card decks; publish the contents of the cards; teach the method to third parties as your own or as a course; present yourself as the author of the game; or transfer your certificate to another person. The game, its texts, its decks and its design remain the intellectual property of Olha Loresh.

A certificate is not withdrawn. It is issued once and stays with you: taking it back would mean taking back the set and returning what you paid for it, and that is not how this is sold.

What does exist is a complaints route. If a participant writes to us about how a session was run, we ask you for your account of it and the two are looked at together. Where something went wrong, the first step is a conversation and, if it helps, a session reviewed with Olga. A facilitator the complaints keep returning to stops being listed among those we refer players to, and stops being offered new material — neither of which touches the set you own or your right to run the game.

9. What the game is not

Sex&Money is a transformational game. It is not psychotherapy, medical treatment, psychological diagnosis or financial advice, and it is not sold as any of those. Facilitators must not present it as such, and participants remain responsible for their own decisions.

10. Complaints and defects

If a set arrives damaged, incomplete or misprinted, write within 14 days of delivery, with photographs, and it will be replaced at our cost. Statutory rights in respect of defective goods are unaffected.

11. Governing law and disputes

Contracts with the German seller are governed by German law, and contracts with the Ukrainian seller by Ukrainian law. The UN Convention on Contracts for the International Sale of Goods does not apply.

If you buy as a consumer, this choice of law does not take away the protection you have under the mandatory rules of the country where you normally live (Article 6(2) Rome I Regulation), and you may bring proceedings in the courts there.

If you buy as a business, the courts at the seat of the seller you contracted with have jurisdiction.

We are neither obliged nor willing to take part in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).

Last updated: 22 October 2026