terms, imprint & privacy

1. who we are

These terms govern your use of the female factor website, community, member account, growth hub, mentoring programme, events and other services offered by:

In these terms, “the female factor”, “we”, “us” and “our” mean the female factor e.V. “You” means any visitor, applicant, member or customer using our services.

Our imprint and privacy information are available below on this page.

2. accepting these terms

By using our website or services, creating an account, submitting an application, or purchasing access or a digital product, you agree to these terms and our privacy information.

If you purchase a specific programme, event, course or other offer that has additional terms shown at checkout or during application, those additional terms also apply. If they conflict with these terms, the terms for the specific offer take priority.

You must provide accurate, complete and current information. You must be at least 16 to create an account. If you are under 18, you may only make a purchase with the consent of your parent or legal guardian.

3. our services

Depending on your access level and the offer purchased, our services may include:

• access to the female factor community and member network;
• access to selected online or in-person events;
• access to the growth hub, including courses, recordings, guides, templates, checklists and other digital resources;
• eligibility to apply for mentoring rounds;
• access to selected upskilling opportunities and partner offers; and
• separately sold programmes, event tickets and digital products.

The benefits included in free access, full access or a separate purchase are those stated on the relevant offer or checkout page at the time of purchase. Unless expressly stated otherwise, benefits are personal, non-transferable and may not be shared with another person.

4. applications and access

Some services require an application or approval. We may accept or reject applications based on eligibility, capacity, relevance to the community and programme fit. Submitting an application does not guarantee acceptance.

After acceptance and, where applicable, payment, you will receive instructions for accessing your account and included services. You are responsible for ensuring that your email address and other account details remain current.

We may change the platform, format, delivery method or reasonable features of our services. We may also add, replace, update or remove individual resources, mentors, speakers, partners, benefits or events. Such changes do not entitle you to a refund unless required by law or unless the core paid service is no longer provided.

5. full access and “lifetime” access

Full access is currently sold for a one-time total price, which may be paid in full or, where offered, in instalments. It is not a recurring subscription and does not renew annually.

Where an offer is described as “lifetime access”, this means access for the lifetime of that specific product or service, for as long as it continues to be operated by the female factor. It does not mean the lifetime of the member and does not guarantee that every current feature, platform, partner benefit, mentor, event or resource will remain available indefinitely.

We may evolve, replace, pause or discontinue individual parts of the offering. If we discontinue the entire paid offering, this does not create a right to a refund or compensation except where mandatory law provides otherwise.

6. growth hub and individual digital products

The growth hub contains digital content such as videos, recordings, courses, workbooks, templates, checklists and guides. Some resources are free, some are included with full access, and some may be purchased separately.

Access to paid digital content is personal and for your own private or professional learning. You may not share login details, redistribute files, publish resources, resell content, make content available to others, or use it to create a competing product or service.

We may correct, update or replace content. We do not guarantee that a particular resource will remain available permanently unless the relevant offer expressly says so. Your statutory rights regarding defective or non-conforming digital content remain unaffected.

7. mentoring programme

Full access makes you eligible to apply for available mentoring rounds. It does not guarantee:

• acceptance into a particular round;
• a match with any specific mentor;
• that a match will be made;
• a particular number, timing or format of sessions; or
• any particular professional, financial or personal result.

Matches depend on mentor availability, preferences, suitability, capacity and the information provided by applicants. Mentors volunteer their time and remain independent from the female factor. Unless expressly stated otherwise, the mentoring relationship is between mentor and mentee, and participants are responsible for arranging and attending their sessions.

If a proposed or confirmed match cannot proceed, we may try to identify an alternative, but cannot guarantee that one will be available.

Mentoring is for general professional development. It is not legal, medical, psychological, tax, investment or other regulated professional advice.

8. prices, payments and instalments

Prices and available payment options are shown on the relevant checkout page. Unless stated otherwise, prices include any taxes that we are required to charge.

Payments are processed through third-party payment providers. Full-access payments are currently managed through Chargebee, and one-off growth hub purchases are currently processed through Stripe. Their own terms and privacy notices may also apply to payment processing.

If you select an instalment plan, this is a payment plan for one total purchase price, not a monthly subscription that can be cancelled at any time. You remain liable for the full outstanding purchase price even if you stop using the services.

If an instalment is overdue or fails, we may retry payment, suspend access and request payment of the overdue amount. Where legally permitted and after reasonable notice, we may declare the remaining balance immediately due.

We may change prices for future purchases and offer promotions or discounts at our discretion. A later price change or promotion does not alter an already completed purchase and does not entitle previous purchasers to a refund or price adjustment.

9. withdrawal, cancellations and refunds

9.1 statutory withdrawal right

Consumers purchasing online generally have a statutory right to withdraw from a distance contract within 14 days, unless a legal exception applies.

Because paid membership and growth hub purchases include immediate access to digital content, we will ask you at checkout to:

1. expressly consent to receiving access to the digital content before the end of the 14-day withdrawal period; and
2. acknowledge that, once access to the digital content begins, you lose your statutory right of withdrawal in relation to that digital content.

Where these requirements are validly met and we provide the required contract confirmation, digital access begins immediately and there is no 14-day cancellation or refund period for that digital content.

If an offer also includes services that are not digital content, your withdrawal rights for those services may differ. If you expressly request that those services begin during the withdrawal period and then validly withdraw, we may charge a proportionate amount for services already provided, to the extent permitted by law.

Nothing in these terms removes a withdrawal right where the legal requirements for losing it have not been met.

9.2 no voluntary cancellation after access begins

Except where mandatory law says otherwise, purchases are final once digital access has begun. We do not offer voluntary cancellations, pauses, exchanges or refunds because you change your mind, do not use the service, cannot participate, do not receive your preferred mentoring match, or experience a change in personal circumstances.

Stopping use of the service or asking us to close your account does not cancel an outstanding instalment plan or release you from paying the remaining purchase price.

9.3 statutory remedies

The above does not affect any mandatory consumer rights or remedies you may have if paid digital content or a paid service is defective, not supplied or not as contractually agreed.

10. account and security

Your account is personal to you. You must keep your login details confidential and must not allow another person to use your account. Please notify us promptly at hi@femalefactor.global if you suspect unauthorised access.

You are responsible for activity carried out through your account unless it results from circumstances for which you are not responsible. We may require you to reset your login details or may temporarily restrict access where reasonably necessary to protect you, other users or our systems.

11. community conduct

When using our community, events, mentoring programme or interactive services, you must:

• treat other participants with respect;
• respect confidentiality, privacy and personal boundaries;
• avoid harassment, discrimination, threats, abuse or deliberately misleading conduct;
• avoid unsolicited sales messages, spam and repeated self-promotion;
• not scrape, harvest or export member information without permission;
• not impersonate another person or misrepresent your identity or affiliation;
• not upload unlawful, harmful, infringing or malicious content; and
• follow any additional community or event guidelines we provide.

You decide whether and how to communicate with other members. Participation in the community does not give anyone permission to add members to marketing lists or contact them for unrelated commercial purposes.

12. user content

You remain responsible for content you submit, upload or post. You confirm that you have the necessary rights to share it and that it does not violate applicable law or another person's rights.

You grant us a non-exclusive, worldwide, royalty-free licence to host, reproduce, display and technically process your content only as reasonably necessary to operate, promote and improve the relevant service. This licence ends when the content is deleted from our active systems, except where retention is legally required, technically necessary for backups, or content has already been used with your separate permission.

We may remove content that violates these terms, the rights of others or applicable law.

13. our content and intellectual property

The website, brand, growth hub and all materials we provide—including text, videos, recordings, course materials, workbooks, templates, designs, graphics and software—belong to us or our licensors and are protected by intellectual property law.

We grant you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the materials included in your access level or purchase. You may download or print materials only where the service allows it and only for your own use.

Without our prior written permission, you may not copy, reproduce, publish, sell, licence, distribute, publicly display, modify, translate, create derivative products from, systematically extract, or commercially exploit our materials.

14. third-party services and links

Our services may depend on or link to third-party platforms, including Lovable/Lovable Cloud, Chargebee, Stripe, Airtable, Mailchimp and other event, communication or learning providers. Third parties operate their own services under their own terms and privacy notices.

We are not responsible for the content or operation of independent third-party services. However, this does not limit our responsibility for services we are legally required to provide to you.

15. availability and changes

We aim to keep our services available, but do not guarantee uninterrupted or error-free access. Maintenance, security incidents, technical failures and matters outside our reasonable control may cause temporary interruptions.

We may make reasonable changes to these terms where necessary because of legal, regulatory, security, technical or service developments. We will post the updated terms and change the “Last updated” date. If a change materially affects an existing paid service, we will provide reasonable notice where required by law.

16. suspension and termination by us

We may warn you, remove content, suspend access or terminate your account where reasonably necessary because:

• you have materially or repeatedly breached these terms or community rules;
• payment is overdue;
• your conduct threatens another person, the community, our systems or our legitimate interests;
• we are required to do so by law; or
• continuing to provide access would create a material legal or security risk.

Where appropriate, we will give you notice and a reasonable opportunity to remedy the issue. We may act immediately in serious cases.

If we terminate access because of your material breach, you are not entitled to a refund and any outstanding payment obligations remain due, to the extent permitted by law.

You may ask us to close your account at any time. Account closure does not create a right to a refund, cancel a completed purchase or release you from an outstanding instalment plan.

17. information, advice and results

Content shared through our website, community, events, resources and mentoring is provided for general information and professional development. Results depend on many factors outside our control, and we do not promise employment, promotion, salary increases, business growth, admission to a programme, a mentoring match or any other specific outcome.

Views expressed by mentors, speakers, members, partners or other third parties are their own. You remain responsible for your decisions and should obtain qualified professional advice where appropriate.

18. liability

We are liable without limitation for intent and gross negligence, personal injury, and any other liability that cannot lawfully be excluded or limited.

For slight negligence, we are liable only for breach of an essential contractual obligation and only for loss that was reasonably foreseeable when the contract was made. An essential obligation is one whose performance is necessary to fulfil the contract and on which you may ordinarily rely.

We are not responsible for losses caused by inaccurate information supplied by you, unauthorised use of your account that is attributable to you, independent conduct of members or mentors, or events outside our reasonable control.

Nothing in these terms limits mandatory rights available to consumers under applicable law.

19. data protection

We process personal data as described in our privacy information below. This includes data needed to manage applications, accounts, purchases, community access, events and mentoring.

20. complaints and contact

If you have a complaint or question, contact us at hi@femalefactor.global. Please include enough information for us to identify your account or purchase and understand the issue.

The European Commission's former Online Dispute Resolution platform was discontinued on 20 July 2025. We are not obliged and do not commit to participate in alternative dispute resolution before a consumer arbitration body unless required by law.

21. governing law and jurisdiction

These terms are governed by Austrian law, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods.

If you are a consumer, this choice of law does not deprive you of mandatory protections provided by the law of the country in which you habitually reside. Statutory rules on jurisdiction for consumers remain unaffected.

If you are acting as a business and not as a consumer, the courts with subject-matter jurisdiction in Vienna, Austria have exclusive jurisdiction.

22. final provisions

If any provision of these terms is invalid or unenforceable, the remaining provisions remain in effect. Any invalid provision will be replaced by the applicable statutory rule.

Our failure to enforce a provision does not waive our right to enforce it later.

These terms, together with our privacy information and any offer-specific terms accepted by you, form the agreement relating to the relevant service.