Terms of Service and Refund Policy
Julia Grosu School — PRO ETSY online course
1. WHO WE ARE AND KEY TERMS
1.1. “We”, “us”, “our”, “Seller” — Stony LLC. We sell access to the online course, process payments, provide the learning platform and student support, and may provide live educational services.
1.2. “Author” — Julia Grosu, the author and owner of the course content and the instructor who may provide live educational sessions.
1.3. “Course” — the online educational program “PRO ETSY”, including video lessons, text materials, templates, bonus courses, live sessions, group sessions, support, and other materials or services included in the package purchased by the Student.
1.4. “Platform” — the online learning platform through which the Course is delivered, currently Kwiga or any replacement platform designated by us.
1.5. “Student” — the person named at enrollment whose account receives access to the Course. The Student may be the person who pays (“Payer”) or another person for whom the Payer purchases the Course.
1.6. “Curator” — a tutor or support specialist assigned by us who answers questions regarding the Course material during the applicable support period.
1.7. “Order Page” — the page, invoice, payment page, checkout page, written offer, or other sales material that identifies the package, price, included services, access period, language of instruction, and any package-specific conditions in effect at the time of purchase.
1.8. “Limited-Capacity Service” — any package or service that reserves a limited place for the Student, including a Mini Group, cohort, mastermind, private or semi-private group, small-group live session package, or other service where capacity is limited and enrollment decisions are made based on confirmed paid reservations.
1.9. “Mini Group” — a Limited-Capacity Service that may include a reserved place in a small group, additional live Zoom sessions with Julia Grosu or another instructor, enhanced support, group discussion, direct feedback, or other benefits described on the Order Page.
1.10. “Premium Package” — the standard Premium package described on the Order Page, which may include extended platform access, curator support, and other benefits, but does not include a reserved Mini Group seat unless expressly stated.
2. ACCEPTANCE OF THESE TERMS
2.1. These Terms are a binding agreement between you and Stony LLC.
2.2. For online purchases, you accept these Terms by checking the applicable “I agree” or similar acceptance box on the Order Page and completing payment.
2.3. If enrollment or payment is completed manually, by invoice, phone, messenger, or another assisted sales process, acceptance may instead be confirmed in writing or by completing payment after you have been provided a link or copy of these Terms.
2.4. The version of these Terms in effect on the date of payment applies to that purchase.
2.5. The Order Page, package description, written invoice, payment confirmation, and any written package-specific conditions provided before payment form part of this agreement.
2.6. You must be at least 18 years old and legally able to enter into contracts. If you buy the Course for another person, you confirm that you are authorized to accept these Terms on their behalf.
2.7. By purchasing a digital package with immediate access, you request that we begin delivery immediately after payment. To the fullest extent permitted by applicable law, digital content and services that have already been accessed, used, performed, scheduled, or reserved are subject to the refund limitations stated in Section 8.
2.8. Where applicable law requires a separate express request for immediate performance or a separate acknowledgment concerning statutory withdrawal rights for digital content or services, we may request that acknowledgment at checkout or in another durable written form. Mandatory consumer rights that cannot lawfully be waived remain unaffected.
3. PACKAGES, PRICING AND ACCESS PERIODS
3.1. The Course may be sold in one or more packages, including:
- (a) Do It Yourself;
- (b) With Your Help;
- (c) Premium;
- (d) Mini Group;
- (e) other packages displayed on the Order Page.
3.2. Package names, current prices, access periods, support periods, live-session entitlements, language of instruction, and package-specific benefits are shown on the Order Page at the time of purchase and form part of this agreement.
3.3. The access period starts on the date access credentials are sent to the Student’s email or the Student account is activated, whichever occurs first.
3.4. Promotional prices, bonuses, discounts, and limited-time offers are valid only for the period stated on the Order Page.
3.5. Access may be extended for an additional fee at the rates in effect at that time.
3.6. Limited-Capacity / Mini Group packages. Certain packages may include a Limited-Capacity Service. The Order Page will identify when a purchase includes a Mini Group or other limited-capacity component.
3.7. Mini Group capacity. Unless the Order Page expressly states otherwise, a Mini Group is limited to a maximum of 3 Students and is ordinarily formed with 2–3 Students.
3.8. Seat reservation. Upon confirmed payment for a Limited-Capacity Service, a place is reserved specifically for the Student. Because capacity is limited and enrollment, staffing, scheduling, and group formation are based on confirmed paid reservations, the reserved place may no longer be offered to another prospective student.
3.9. Live services. Mini Group and other packages may include scheduled live Zoom sessions, Q&A sessions, reviews, workshops, or direct interaction with the Author, Curator, or instructor. Dates and times may be adjusted for operational reasons, provided that substantially equivalent services are offered.
3.10. Missed sessions. A Student’s failure to attend a scheduled live session does not create a right to a refund, credit, or replacement session unless we expressly agree otherwise in writing.
3.11. Mini Group price allocation. The Order Page may identify the Mini Group package price as the sum of:
- (a) the underlying Premium Package price; and
- (b) a separate Mini Group / Limited-Capacity Upgrade fee.
3.12. Where the Order Page shows Premium at $1,250 and Mini Group at $3,000, the price allocation is:
- (a) Premium Package: $1,250;
- (b) Mini Group / Limited-Capacity Upgrade: $1,750;
- (c) Total Mini Group Package: $3,000.
If prices change, the amounts shown on the applicable Order Page at the time of purchase control.
3.13. The Mini Group / Limited-Capacity Upgrade fee compensates for reserved capacity, group formation, scheduling, live instruction, enhanced access, and other package-specific services stated on the Order Page.
3.14. The Premium component and the Mini Group / Limited-Capacity Upgrade are separate components of the package price for pricing, cancellation, refund, and downgrade purposes.
4. ORDERING, PRICES AND PAYMENT
4.1. Prices are stated on the Order Page and may be in U.S. dollars, euros, or another currency shown at checkout.
4.2. Payment methods may include PayPal, credit/debit card, Afterpay, Square, Stripe, or other methods displayed on the Order Page.
4.3. Statement descriptor. Charges may appear on the Payer’s bank or card statement as STONY, STONY LLC, or another descriptor used by our payment processor.
4.4. Deposit. We may allow a Student to reserve a package or price by paying a deposit. Unless otherwise stated in writing, deposits are non-refundable except where required by applicable law or if we cancel the relevant service.
4.5. Full access may be conditioned on full payment of the package price.
4.6. The Payer is responsible for any bank fees, foreign exchange fees, taxes, or payment-provider fees that are not charged by us.
4.7. A payment does not give the Student a right to transfer, resell, assign, or share the Course or a reserved Mini Group place with another person without our prior written consent.
5. DELIVERY, ACCESS AND RECORDS
5.1. Access credentials are sent to the Student’s email address, or the Student account is activated, normally within 24 hours after confirmed payment.
5.2. At enrollment, the Payer must provide the Student’s full name, email address, and phone number.
5.3. One account is for one Student only. Sharing credentials or providing access to third parties is prohibited.
5.4. The Student is responsible for keeping login credentials confidential.
5.5. We may record and retain:
- (a) the date and time access is granted;
- (b) logins;
- (c) lessons opened or completed;
- (d) homework submissions;
- (e) participation in live sessions;
- (f) support and Curator communications;
- (g) onboarding communications;
- (h) payment, package, acceptance, and checkout records;
- (i) other activity showing delivery or use of the Course.
5.6. These records may be used as evidence of delivery, access, use, performance, acceptance, and fulfillment in connection with customer-service inquiries, refund requests, payment disputes, chargebacks, compliance matters, or legal proceedings.
5.7. The Student must have a stable internet connection and suitable device. We are not responsible for inability to use the Course caused by the Student’s own equipment, internet connection, settings, or third-party software.
6. CURATOR SUPPORT
6.1. Curator support is included only in packages where it is expressly listed on the Order Page.
6.2. Unless otherwise stated, support is provided on business days, Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time.
6.3. Typical response time is up to two business days.
6.4. Curator support covers questions related to the Course material, assignments, implementation, and shop setup within the scope of the purchased package.
6.5. Curator support does not include operating the Student’s business on their behalf, producing products for the Student, or providing legal, tax, accounting, or investment advice.
6.6. Unused support time is not refundable and is not carried over unless we expressly agree otherwise in writing.
7. LIVE SESSIONS AND LIMITED-CAPACITY SERVICES
7.1. Mini Group and other Limited-Capacity Services are scheduled and staffed based on confirmed paid enrollments.
7.2. Once a Limited-Capacity Service has been reserved and the applicable service period has begun, the associated capacity is treated as committed.
7.3. The Student acknowledges that reserving a limited-capacity place may prevent us from selling that place to another prospective student.
7.4. To the fullest extent permitted by applicable law, fees attributable to a Limited-Capacity Service are non-refundable once:
- (a) the Student’s place has been confirmed; and
- (b) the applicable service period has begun, a live service has been scheduled for the Student, or any included live or personalized service has been performed.
7.5. A Student’s decision not to attend, participate, continue, or make use of scheduled live services does not create a right to a refund.
7.6. If we cancel a specific live session, we may reschedule it or provide an equivalent replacement session. A rescheduled session does not constitute non-performance of the package.
8. REFUND POLICY
8.1. General refund window. Unless a package-specific rule below applies, a refund request may be submitted only within 7 calendar days of the date of payment.
8.2. Written request required. A refund request must be submitted in writing from the Student’s enrollment email, the Payer’s email, or through a written support channel designated by us. The request must include enough information for us to identify the enrollment and payment, including the Student’s name, enrollment email, payment date or amount, and payment method where reasonably available.
8.3. A phone call alone does not constitute a written refund request unless we subsequently confirm the request in writing. Messages sent through an official support messenger, CRM chat, or other written channel designated by us may constitute a written request.
8.4. Digital access. To the fullest extent permitted by applicable law, once the Student account has been activated and the Course has been accessed or used, the digital portion of the purchase is considered delivered.
8.5. Access or use includes any of the following:
- (a) login to the account;
- (b) opening a lesson;
- (c) watching or downloading permitted content;
- (d) submitting homework;
- (e) onboarding communication;
- (f) communication with a Curator concerning the Course;
- (g) attendance at or participation in a live session.
8.6. Unless otherwise required by applicable law, no refund is available after the Course has been accessed or after the 7-day refund window has expired, whichever occurs first.
8.7. Subject to applicable law, refunds are not provided merely because of:
- (a) unused access time;
- (b) unused Curator support;
- (c) missed live sessions;
- (d) failure to start or complete the Course;
- (e) dissatisfaction with results;
- (f) the Course being more difficult than expected;
- (g) the Student deciding the Course is not suitable for them;
- (h) language preferences or the Student’s own ability to understand the materials where the language of instruction was disclosed before purchase;
- (i) technical problems caused by the Student’s equipment or connection;
- (j) change of mind;
- (k) inability to obtain desired business results;
- (l) termination for violation of these Terms.
8.8. Limited-Capacity / Mini Group refund rule. To the fullest extent permitted by applicable law, the Mini Group / Limited-Capacity Upgrade component is non-refundable once the Student’s seat is confirmed and the applicable service has begun, capacity has been committed, or any included live or personalized service has been scheduled or performed.
8.9. Premium component. Any refund eligibility for the underlying Premium component is determined separately under Sections 8.1–8.7 and applicable law. A Student is not entitled to a refund of the Mini Group / Limited-Capacity Upgrade merely because they later prefer the Premium Package.
8.10. Goodwill exceptions. We may, at our sole discretion and as an exception, approve a full or partial refund, credit, package change, or downgrade. A discretionary exception:
- (a) does not create a contractual right to a refund;
- (b) does not mean the original service was defective, not delivered, or not as described;
- (c) does not waive these Terms;
- (d) does not create a precedent for any other Student.
8.11. No automatic right to downgrade. The Student has no automatic contractual right to downgrade after enrollment. We may permit a downgrade as a goodwill accommodation.
8.12. Final written approval required. No downgrade, refund, credit, package modification, or price adjustment becomes effective unless and until the Student receives our final written confirmation stating:
- (a) the new package, if any;
- (b) the effective date of the change;
- (c) the amount we will retain;
- (d) the exact refund or credit amount;
- (e) the specific original transaction to which the adjustment applies.
8.13. Preliminary discussions. A proposed downgrade, estimated refund, preliminary discussion, manager conversation, oral statement, or informal message does not constitute final approval unless it satisfies Section 8.12.
8.14. Effect of an approved downgrade. An approved downgrade or partial adjustment:
- (a) is limited to the exact amount confirmed in writing;
- (b) does not constitute cancellation, rescission, or invalidation of the original transaction;
- (c) does not constitute an admission that the original service was defective, not delivered, or not as described;
- (d) does not entitle the Student to a full refund;
- (e) may result in removal of Mini Group or other higher-tier benefits from the effective date of the downgrade.
8.15. Illustrative Mini Group downgrade. If the applicable Order Page shows a $3,000 Mini Group package consisting of a $1,250 Premium component and a $1,750 Mini Group / Limited-Capacity Upgrade, any discretionary downgrade to Premium concerns only the amount expressly approved in our final written confirmation. It does not create a right to reverse the full $3,000 transaction.
8.16. Approved refunds are issued only to the original payment method unless applicable law or the payment provider requires otherwise.
8.17. Approved refunds are normally processed within 10 business days after final written approval.
8.18. Access may be reduced, modified, or closed when a downgrade or refund is completed.
8.19. Mandatory consumer rights. If applicable law grants the Student mandatory cancellation, withdrawal, or refund rights that cannot legally be waived, those mandatory rights prevail to the extent required by that law.
9. CHARGEBACKS AND PAYMENT DISPUTES
9.1. If the Student or Payer has a payment concern, they should first contact us at ruslan@stony.store or through a designated written support channel so we can attempt to resolve the matter directly.
9.2. Filing a chargeback does not itself create a contractual right to a refund.
9.3. If a chargeback or payment dispute is filed, we may submit relevant records to the payment processor, card network, issuing bank, PayPal, Square, Stripe, Afterpay, or other provider, including:
- (a) payment records;
- (b) Order Page screenshots;
- (c) Terms accepted at the time of purchase;
- (d) access logs;
- (e) lesson progress;
- (f) live-session attendance;
- (g) communications;
- (h) CRM records;
- (i) refund or downgrade communications;
- (j) evidence of reserved capacity or services performed.
9.4. We may suspend access while a chargeback or payment dispute is open, to the extent permitted by applicable law and the applicable payment provider’s rules.
9.5. Pending voluntary adjustments. If a chargeback, payment dispute, reversal, or similar claim is opened before a discretionary refund, credit, or downgrade adjustment has been completed, we may suspend processing of that voluntary adjustment while the disputed payment is under review, to the extent permitted by applicable law and the applicable payment provider’s rules. This is intended to prevent duplicate reimbursement of the same payment.
9.6. A pending or discussed goodwill adjustment does not require us to make a separate payment while the same original transaction is subject to a chargeback or payment dispute, unless required by applicable law, a final written settlement, or the payment provider.
9.7. A chargeback filed for the full transaction amount does not, by itself, establish that services already delivered or Limited-Capacity Services already reserved, scheduled, or performed were not provided.
9.8. If only a partial refund or downgrade was finally approved, we may contest any chargeback amount that exceeds the approved adjustment, subject to applicable payment-provider and card-network rules.
9.9. Any separate goodwill downgrade, partial adjustment, or settlement discussion is independent from the validity of the original transaction unless we expressly state otherwise in a final written agreement.
10. STUDENT OBLIGATIONS AND PROHIBITED CONDUCT
10.1. The Student must provide accurate personal details and use the Course only for personal educational purposes.
10.2. The Student must not:
- (a) copy, record, publish, resell, share, or distribute Course content except where expressly permitted;
- (b) give account access to another person;
- (c) use Course content to create competing courses;
- (d) interfere with the Platform;
- (e) engage in unlawful or abusive conduct.
10.3. Unauthorized use may result in suspension or termination without refund, to the fullest extent permitted by applicable law.
11. INTELLECTUAL PROPERTY
11.1. All Course content is the intellectual property of Julia Grosu or the applicable rights holder and is used by Stony LLC under license.
11.2. Upon payment, the Student receives a personal, non-exclusive, non-transferable, revocable license to access the purchased materials during the applicable access period.
11.3. No ownership rights in Course content are transferred to the Student.
12. NO GUARANTEES; EDUCATIONAL PURPOSE ONLY
12.1. The Course is educational.
12.2. We do not guarantee sales, income, shop approval, marketplace ranking, profit, business growth, or any other particular result.
12.3. Results depend on the Student’s effort, implementation, market conditions, third-party marketplaces, and other factors outside our control.
12.4. Nothing in the Course constitutes legal, tax, accounting, investment, or other professional advice.
12.5. Etsy is a trademark of Etsy, Inc. Julia Grosu School and Stony LLC are not affiliated with, endorsed by, or sponsored by Etsy, Inc.
13. SUSPENSION AND TERMINATION
13.1. We may suspend or terminate access for a material violation of these Terms.
13.2. We may suspend access while a payment dispute or chargeback is open, to the extent permitted by applicable law and payment-provider rules.
13.3. The Student may stop using the Course at any time, but stopping use does not create a contractual right to a refund.
13.4. If we discontinue the Course or a material purchased service for reasons within our control and do not provide an equivalent replacement, we will provide any refund required by applicable law or a fair pro-rata adjustment, as appropriate.
14. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
14.1. To the fullest extent permitted by law, the Course and Platform are provided “as is” and “as available.”
14.2. To the fullest extent permitted by law, our total liability arising out of the Course or these Terms is limited to the amount paid by the Payer for the package giving rise to the claim.
14.3. We are not liable for indirect, incidental, consequential, special, or punitive damages, lost profits, or lost business, except where such limitation is prohibited by law.
14.4. We are not responsible for the availability or actions of third-party marketplaces, software providers, payment processors, or platform providers.
15. PRIVACY AND COMMUNICATIONS
15.1. Personal data is processed in accordance with our Privacy Policy.
15.2. By enrolling, the Student agrees to receive service communications regarding the Course, account, support, live sessions, billing, and enrollment.
15.3. We may preserve relevant communications, account activity, attendance, payment records, package descriptions, checkout acknowledgments, acceptance records, and transaction records for business, compliance, dispute-resolution, and legal purposes, subject to applicable privacy law.
16. CHANGES TO THESE TERMS
16.1. We may update these Terms by publishing a new version with a new effective date.
16.2. The version in force on the date of payment applies to that purchase.
16.3. We may keep archived copies of previous versions for recordkeeping and dispute-resolution purposes.
16.4. No amendment will retroactively reduce mandatory consumer rights that applied at the time of purchase.
17. GOVERNING LAW AND DISPUTES
17.1. These Terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-law principles, except to the extent mandatory consumer law requires otherwise.
17.2. Before starting legal proceedings, the parties should attempt to resolve the matter informally by contacting ruslan@stony.store or another designated written support channel.
17.3. Subject to any mandatory jurisdictional rights that cannot lawfully be waived, disputes shall be brought in the appropriate state or federal courts located in Miami-Dade County, Florida.
17.4. Nothing in these Terms prevents either party from bringing an eligible claim in small claims court.
17.5. If any provision is found unenforceable, the remaining provisions remain in effect.
18. CONTACT
Stony LLC
300 Kings Point Dr
Sunny Isles Beach, FL 33160
USA
Email: ruslan@stony.store
Support hours: Monday – Friday, 9:00 a.m. – 5:00 p.m. Eastern Time