Terms and Conditions

1. Introduction

These Terms and Conditions govern access to and use of ptorrescobas.com, its subdomains and landing pages, as well as the purchase and use of certain content, products, programs, events, and services offered under the PTC brand.

PTC is the personal and professional brand of Pedro Torres Cobas, based in Basel, Switzerland.

The intellectual property, content, methodologies, frameworks, and programs developed under PTC belong to Pedro Torres Cobas unless expressly stated otherwise.

Commercial operations related to PTC may be carried out in whole or in part by:

ONCKY GmbH Oetlingerstrasse 75A 4057 Basel Switzerland

ONCKY GmbH acts as an authorized commercial and operational partner of PTC and may manage, among other activities, sales, marketing, billing, payments, events, commercial support, and the delivery of certain products and services.

In these Terms, references to “PTC,” “we,” “us,” “our,” or equivalent expressions may refer to Pedro Torres Cobas and/or ONCKY GmbH depending on the relevant activity or contractual relationship.

2. Acceptance of These Terms

By purchasing, engaging, or using our products or services, or where expressly indicated when registering for a program, event, or platform, you agree to these Terms and Conditions.

If you do not agree to these Terms, you should not purchase or use the products or services subject to them.

Simply accessing certain public pages of the website does not necessarily result in a paid contract with PTC or ONCKY GmbH.

The processing of your personal data is described in our Privacy Policy and Cookie Policy.

Use of the website or acceptance of these Terms does not, by itself, constitute consent to cookies, tracking technologies, personalized advertising, or marketing communications where such consent is legally required.

Preferences relating to cookies and similar technologies are managed separately through our Cookie Settings.

3. Age and Legal Capacity

To purchase paid products or services, you must have sufficient legal capacity to enter into the relevant contract under applicable law.

Our services are not primarily directed at children under the age of 16.

Where a minor may use certain services, the applicable requirements regarding parental consent, representation, or minimum age must be satisfied.

We may restrict or refuse access to certain products or services where there are reasonable grounds to believe that these requirements have not been met.

4. Products and Services

PTC and/or ONCKY GmbH may offer, among other things:

• educational content
• books and publications
• downloadable resources
• newsletters
• webinars
• MasterClasses
• workshops
• in-person and online events
• courses
• training programs
• personal or professional development programs
• memberships
• individual sessions
• advisory or consulting services
• certifications
• communities
• digital tools
• other related products or services

The specific features, scope, duration, price, and conditions of each product or service will be indicated on the relevant sales page, proposal, registration form, contract, or other applicable documentation.

In the event of a conflict between these general Terms and specific terms expressly agreed for a particular product or service, the specific terms will prevail for that relationship.

5. Educational and Professional Information

Our content, programs, courses, events, publications, and materials are primarily intended for educational, informational, and personal or professional development purposes.

Unless expressly stated otherwise, they do not constitute:

• legal advice
• tax advice
• financial advice
• investment advice
• medical advice
• psychological advice
• therapeutic advice
• or any other regulated professional advice

Where you require specialized advice, you should consult an appropriately qualified professional.

6. Results and No Guarantees

PTC provides knowledge, methodologies, tools, support, and content intended to facilitate learning, clarity, execution, and development.

However, results depend on numerous factors, including:

• personal or business circumstances
• decisions
• experience
• commitment
• execution
• resources
• market conditions
• external circumstances

Accordingly, unless a specific guarantee is expressly provided in writing for a particular product, we do not guarantee specific financial, commercial, professional, or personal results.

Examples, testimonials, case studies, or results achieved by other individuals do not constitute a guarantee of future results.

7. Prices

Applicable prices are those displayed on the relevant sales page, checkout, proposal, or contract at the time of purchase.

Prices may be stated in CHF, EUR, USD, or other currencies.

Unless otherwise indicated, applicable taxes will be determined according to the law and nature of the relevant transaction.

We may change future prices at any time. A price change will not apply retroactively to a completed purchase unless a specific agreement expressly provides otherwise.

8. Payments

Payments may be processed through specialized third-party providers.

By making a purchase, you agree to:

• provide accurate information
• have authorization to use the selected payment method
• pay the stated amount
• comply with the applicable payment conditions

Complete credit or debit card information is normally processed directly by payment providers and is not stored by us.

For installment payments, subscriptions, or payment plans, the applicable specific conditions will be displayed before purchase.

A payment commitment associated with a purchase does not automatically end simply because you stop using the product or service, except where a statutory right of cancellation, withdrawal, refund, or an applicable contractual provision provides otherwise.

9. Billing

Depending on the product or service, invoices may be issued by ONCKY GmbH or another entity expressly identified before or during the contracting process.

The customer is responsible for providing accurate billing information.

Where legally required, invoices will include the applicable taxes.

10. Cancellations, Withdrawal Rights, and Refunds

Cancellation and refund conditions may vary depending on the type of product or service.

The specific conditions applicable to a purchase will be communicated through:

• the sales page
• checkout
• purchase confirmation
• proposal
• contract
• or specific product terms

Where mandatory consumer protection law provides a right of withdrawal, cancellation, or refund that cannot lawfully be excluded by contract, that right will remain applicable.

Digital Content and Immediate Performance

Where legally applicable, certain digital content or services may begin immediately after purchase.

If applicable law requires your express consent to begin performance during a statutory withdrawal period or for you to lose a withdrawal right, we will request the relevant declarations before beginning performance.

Events and Services on a Specific Date

Certain events, workshops, reservations, or services linked to a specific date may be subject to special cancellation rules under applicable law and the specific conditions communicated during the purchase process.

Nothing in this section is intended to limit mandatory consumer rights under applicable law.

11. Changes to Programs and Events

We may make reasonable changes to:

• schedules
• format
• platform
• location
• instructors
• content
• calendar
• sequence of sessions

Where necessary for operational, technical, organizational, or force majeure reasons, provided that such changes do not unjustifiably and materially alter the nature of the service purchased.

If a material change significantly affects the purchased service, we will inform affected participants and provide the remedies appropriate under the circumstances and applicable law.

12. Cancellation of Events by Us

We may cancel or postpone an event, program, or session for justified reasons, including:

• illness
• presenter unavailability
• technical problems
• force majeure
• legal restrictions
• extraordinary operational circumstances

Where appropriate, we may offer:

• a new date
• an equivalent alternative
• credit
• a refund of the affected amount

The appropriate solution will depend on the product, circumstances, and legally applicable rights.

13. Accounts and Access

Some services may require an account or personal access credentials.

You are responsible for:

• keeping your credentials confidential
• not sharing personal access unless authorized
• keeping your information up to date
• notifying us of any unauthorized use you become aware of

Access rights are personal unless the relevant product expressly provides otherwise.

We may suspend access where there are reasonable indications of fraud, abuse, unauthorized distribution, contractual breach, or risk to our systems or users.

14. Intellectual Property

Unless expressly stated otherwise, all intellectual property rights relating to PTC content and materials belong to Pedro Torres Cobas or are used under appropriate authorization.

This includes, among other things:

• One Focus Goal (OFG)
• methodologies
• frameworks
• models
• processes
• texts
• books
• manuals
• presentations
• videos
• recordings
• graphics
• designs
• exercises
• worksheets
• tools
• courses
• program names
• trademarks
• visual elements
• certification materials

Purchasing a product or service does not transfer intellectual property ownership to the purchaser.

15. License to Use Materials

Unless expressly stated otherwise, we grant users a limited, personal, non-exclusive, non-transferable, and revocable license to use purchased or provided materials solely for their own use.

Without written authorization, you may not:

• copy or reproduce materials for distribution
• resell them
• sublicense them
• publish them
• share access credentials
• distribute recordings
• create derivative products intended for commercial exploitation
• deliver programs substantially based on our methodologies as though they were your own
• use trademarks or content in a manner that suggests a relationship, license, or certification that does not exist

Certain certification programs, professional licenses, or collaboration agreements may grant additional rights under a separate contract.

16. Use of Artificial Intelligence and Automated Systems

You may not systematically use our content, materials, books, videos, courses, methodologies, or knowledge bases to:

• train artificial intelligence models
• build datasets
• create derivative models
• substantially replicate our products
• develop competing commercial services based on our materials

Without our prior written authorization.

This does not prevent reasonable personal use of AI tools to study, summarize, or work with materials you have lawfully acquired, provided that such use does not involve distribution, commercial exploitation, substantial reproduction, or infringement of our intellectual property rights.

17. Recordings of Programs and Events

Certain events, sessions, or programs may be recorded.

Where applicable, participants will be informed in advance.

Recordings may be used for:

• providing replays to participants
• documentation
• training
• archiving
• content creation
• communications or marketing where the appropriate authorization exists

Where an individual's image, voice, name, or testimonial is used in a manner requiring consent, we will obtain such consent where applicable.

18. Participant Conduct

We expect participants to behave respectfully and in a manner compatible with the proper functioning of our programs, events, and communities.

We may intervene or, in serious cases, restrict participation in situations involving:

• harassment
• discrimination
• threats
• abusive behavior
• deliberate disruption
• fraud
• infringement of third-party rights
• unauthorized distribution of content
• risks to other participants

Where reasonably possible, any measures taken will be proportionate to the seriousness of the situation.

19. Third-Party Services and Platforms

Our services may use external platforms or providers for:

• payments
• videoconferencing
• streaming
• hosting
• CRM
• email
• communities
• storage
• advertising
• analytics
• automation
• other functionality

We do not fully control the availability or operation of third-party services.

Where an interruption involving an external provider affects our services, we will make reasonable efforts to restore the service or provide an alternative where appropriate.

The processing of personal data in connection with these platforms is described in our Privacy Policy and Cookie Policy.

20. Website Availability

We do not guarantee that ptorrescobas.com or all of its digital services will be continuously available without interruption.

We may temporarily suspend parts of the website due to:

• maintenance
• updates
• security
• technical problems
• infrastructure changes
• circumstances outside our reasonable control

We will seek to minimize interruptions where reasonably possible.

21. External Links

Our content may include links to external websites, platforms, or resources.

We are not responsible for the content, availability, security, terms, or practices of independent third parties.

The inclusion of a link does not necessarily imply endorsement, association, or guarantee of the third party.

22. Liability

We are liable for damages to the extent required by applicable law.

To the maximum extent permitted by law, we will not be liable for indirect or consequential losses arising from:

• business or personal decisions made on the basis of educational content
• expectations regarding results that were not guaranteed
• improper use of materials
• interruptions caused by third-party providers
• circumstances outside our reasonable control

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by mandatory law, including liability that cannot legally be excluded for intentional misconduct, gross negligence, or other legally protected circumstances.

23. Liability for Unlawful Use

To the extent permitted by applicable law, a person who uses our services or content unlawfully or in material breach of these Terms will be responsible for damages directly caused by such conduct.

This provision does not limit mandatory consumer rights or impose liability beyond what is legally permitted.

24. Privacy and Cookies

The processing of personal data is governed by our Privacy Policy.

The use of cookies and similar technologies is described in our Cookie Policy.

Where applicable law requires consent for a particular activity, such consent will be requested separately.

Acceptance of these Terms does not constitute acceptance of non-essential cookies, personalized advertising, tracking, or direct marketing.

You may modify your cookie preferences through Cookie Settings.

25. Electronic Communications

When you register for or purchase a service, you agree to receive operational communications necessary to administer that service, for example:

• confirmations
• access information
• schedule changes
• invoices
• administrative notices
• communications relating to the service purchased

Commercial or promotional communications are managed separately where applicable law requires consent or another legal basis.

You may unsubscribe from marketing communications through the mechanisms provided in those communications.

26. Suspension or Termination

We may suspend or terminate access to certain services in the event of:

• material breach of these Terms
• non-payment
• fraud
• abuse
• intellectual property infringement
• risk to our systems
• serious misconduct toward other participants

Where reasonably possible and appropriate, we will provide prior notice and an opportunity to remedy the breach.

Termination does not affect rights or obligations that by their nature should survive, including outstanding payment obligations and intellectual property rights.

27. Force Majeure

We will not be liable for delays or failures caused by events outside our reasonable control, including, where applicable:

• natural disasters
• conflicts
• pandemics
• government restrictions
• widespread infrastructure failures
• serious provider outages
• strikes
• travel restrictions or impossibility of travel
• other extraordinary events

Where possible, we will seek to take reasonable measures to reduce the impact and resume performance.

28. Governing Law

These Terms and the corresponding contractual relationships are, in principle, governed by the laws of Switzerland, excluding its conflict-of-law rules to the extent permitted.

Consumers

If you are a consumer residing in a country or territory whose laws provide mandatory protections that cannot lawfully be excluded through the choice of Swiss law, those protections remain applicable to the extent required by law.

Nothing in these Terms is intended to deprive you of mandatory rights available to you as a consumer.

29. Jurisdiction

To the extent permitted by applicable law, the competent courts of Basel-Stadt, Switzerland, shall have jurisdiction over disputes arising from these Terms or the corresponding services.

This choice of jurisdiction does not limit a consumer's right to bring proceedings before other courts where mandatory applicable law grants that right.

Before commencing legal proceedings, we encourage the parties to attempt in good faith to resolve any dispute through direct communication.

30. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

Where possible, the affected provision will be interpreted or replaced in a manner that reasonably reflects its original purpose within legal limits.

31. No Waiver

Our failure to immediately exercise a right under these Terms does not constitute a waiver of that right.

32. Assignment

Users may not assign their rights or obligations relating to a personal service without authorization where the nature of the service or contract prevents such assignment.

PTC or ONCKY GmbH may transfer a contractual relationship as part of a corporate reorganization, succession, business transfer, or equivalent structure, subject to the customer's applicable legal rights.

33. Changes to These Terms

We may update these Terms to reflect changes in:

• law
• regulation
• technology
• our business
• our products or services

New Terms will apply from the stated effective date to new purchases and subsequent use.

We will not retroactively and unilaterally modify essential rights relating to an existing purchase where such modification is not permitted by applicable law.

Where a material change affects an ongoing relationship and notice or acceptance is required, we will take the appropriate measures.

34. Entire Agreement

These Terms, together with the specific conditions applicable to the relevant purchase, proposal, program, or contract, constitute the contractual framework applicable to that relationship.

The Privacy Policy and Cookie Policy separately govern and explain the processing of personal data and tracking technologies and do not, by themselves, turn an activity requiring consent into a consented activity merely through acceptance of these Terms.

35. Contact

For questions relating to these Terms and Conditions:

ONCKY GmbH PTC / Pedro Torres Cobas Oetlingerstrasse 75A 4057 Basel Switzerland Email: hello@ptorrescobas.com Telephone: +41 78 222 32 84