Effective Date: July 16, 2026

These Terms & Conditions ("Terms") govern all services, digital products, coaching programs, consultations, and communications provided by Annabel van Westerop, trading as Bida by Annabel ("the Practitioner", "we", "our", or "us").

By booking a service, purchasing a product, joining a coaching program, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

1. Scope of Services

Bida by Annabel provides services including, but not limited to:

• Astrocartography Readings

• Relocation Guidance

• The Bold Move coaching program

• Energetic Therapy

• Educational resources and digital products

• Follow-up consultations

• Workshops and related offerings

All services are intended for educational, informational, coaching, and personal development purposes unless explicitly stated otherwise.

Nothing provided through our services constitutes medical, psychological, psychiatric, legal, financial, tax, immigration, investment, business, or other licensed professional advice.

Clients remain solely responsible for obtaining independent professional advice where appropriate.

2. Eligibility

By using our services, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement. If you are booking on behalf of another person, you confirm that you have the legal authority to do so.

3. Booking & Payment

Full payment is required to confirm your booking unless otherwise agreed in writing.

Bookings are considered confirmed only after payment has been successfully received.

Prices may be updated from time to time without prior notice. However, the price paid at the time of booking will always be honoured for that booking.

All fees are charged in the currency displayed at checkout.

4. Rescheduling & Cancellation

Astrocartography Readings

Appointments may be rescheduled up to 24 hours before the scheduled session.

Requests made within 24 hours of the appointment may be declined at our discretion.

Payments for Astrocartography Readings are non-refundable.

The Bold Move

Due to the nature of coaching, planning, preparation, and reserved availability, enrollment in The Bold Move is non-refundable once payment has been made.

If coaching sessions need to be rescheduled, reasonable efforts will be made to find a mutually suitable alternative.

Energetic Therapy

Appointments may be cancelled or rescheduled up to 24 hours before the scheduled session.

Cancellations made within 24 hours, or failure to attend a scheduled appointment without notice, will result in a charge of 50% of the session fee.

5. Client Responsibilities

Clients acknowledge that they participate voluntarily in all services.

You remain solely responsible for:

• your decisions;

• your actions;

• your interpretations;

• your wellbeing;

• your relocation decisions;

• your business decisions;

• your financial decisions;

• your healthcare decisions.

You acknowledge that all decisions made following any consultation or coaching session are made using your own independent judgment.

Nothing communicated during any service should be interpreted as an instruction, guarantee, prediction, or requirement to take a particular course of action.

6. Astrocartography Readings

Astrocartography Readings are intended to provide insight, perspective, reflection, and guidance through the interpretation of astrological symbolism.

Astrology and astrocartography are interpretive disciplines rather than exact sciences.

Accordingly, no statement, recommendation, interpretation, or discussion should be understood as an objective fact, guarantee, prediction, or certainty regarding future events.

Readings are designed to support personal reflection and informed decision-making, not to replace professional advice or due diligence.

Clients acknowledge that relocation decisions involve numerous factors beyond the scope of astrocartography, including but not limited to:

• finances;

• employment;

• immigration requirements;

• visa eligibility;

• taxation;

• legal considerations;

• healthcare;

• relationships;

• housing;

• cultural fit;

• political and economic conditions;

• business opportunities;

• personal preferences.

Clients remain solely responsible for evaluating these factors independently before making relocation or lifestyle decisions.

7. The Bold Move Coaching Program

The Bold Move is a coaching and strategic guidance program designed to support clients in navigating the practical and personal aspects of international relocation.

The program combines coaching, education, strategic planning, and astrocartography-based insight.

Coaching is a collaborative process.

Its effectiveness depends upon many factors beyond the control of the Practitioner, including the client's participation, implementation, commitment, decision-making, personal circumstances, and external conditions.

Participation in The Bold Move does not guarantee:

• successful relocation;

• increased income;

• business growth;

• visa approval;

• improved relationships;

• personal fulfilment;

• financial success;

• or any other specific outcome.

Clients acknowledge that coaching supports decision-making but does not replace personal responsibility.

8. Disclaimer & No Guarantees

Every effort is made to provide thoughtful, professional, and meaningful guidance.

However, all services are provided on an "as is" basis.

To the fullest extent permitted by applicable law, no representations, warranties, or guarantees are made regarding:

• accuracy;

• completeness;

• interpretation;

• suitability;

• reliability;

• usefulness;

• or outcomes resulting from any service provided.

Individual experiences differ significantly.

No guarantee is made regarding personal, professional, financial, business, emotional, relational, health, relocation, or lifestyle outcomes resulting from the use of any service.

Clients understand that all guidance provided represents professional opinion based on experience, astrological interpretation, coaching methodology, and personal expertise, and should not be interpreted as certainty or factual prediction.

9. Limitation of Liability

Clients acknowledge that all services provided by Bida by Annabel involve interpretation, coaching, education, and personal guidance.

While every reasonable effort is made to provide thoughtful, accurate, and high-quality services, all decisions made following any consultation, coaching session, recommendation, or communication remain solely the responsibility of the client.

To the fullest extent permitted by applicable law, Annabel van Westerop shall not be liable for any direct, indirect, incidental, consequential, special, punitive, financial, business, personal, emotional, or other loss, damage, expense, or claim arising from or relating to:

• participation in any service;

• reliance upon any information provided;

• relocation decisions;

• business decisions;

• employment decisions;

• investments;

• property purchases or rentals;

• immigration or visa matters;

• legal or tax matters;

• relationship decisions;

• health-related decisions;

• or any action taken or not taken following a consultation or coaching session.

The Practitioner does not guarantee the accuracy, completeness, or future performance of any recommendation or interpretation.

To the fullest extent permitted by law, the total liability of Annabel van Westerop, whether arising in contract, tort, negligence, or otherwise, shall never exceed the amount paid by the client for the specific service giving rise to the claim.

Nothing in these Terms excludes liability where such exclusion is prohibited by applicable law.

10. Client Acknowledgement

By booking a service, the client confirms that they understand and agree that:

• astrology and astrocartography are interpretive disciplines;

• coaching is a collaborative process;

• personal results cannot be guaranteed;

• no specific relocation, business, financial, personal, or lifestyle outcome is promised;

• all decisions remain their own responsibility;

• they participate voluntarily;

• they exercise their own independent judgement when making decisions.

11. Intellectual Property

Unless otherwise stated, all content created or provided by Bida by Annabel remains the exclusive intellectual property of Annabel van Westerop.

This includes, but is not limited to:

• Astrocartography maps

• written reports

• recordings

• coaching materials

• workbooks

• worksheets

• PDFs

• presentations

• videos

• digital products

• website content

• graphics

• branding

• educational resources

These materials are licensed solely for the personal use of the purchasing client.

Clients may not reproduce, distribute, modify, publish, sell, sublicense, teach, upload, share publicly, or commercially exploit any materials without prior written permission.

12. Session Recordings

Where applicable, sessions may be recorded and shared with the client for personal reference.

Recordings are provided as a convenience only.

Bida by Annabel does not guarantee permanent availability of recordings and reserves the right to remove access after a reasonable period.

Session recordings remain the intellectual property of Annabel van Westerop.

Clients may download and retain copies for their own personal use but may not reproduce, distribute, publish, edit, upload, sell, or otherwise use recordings for commercial purposes without prior written consent.

13. Confidentiality

All information shared during consultations and coaching sessions will be treated as confidential.

Confidential information will not be disclosed to third parties except:

• where required by law;

• where necessary to protect the safety of an individual;

• with the client's explicit consent.

Reasonable administrative, technical, and organisational measures are taken to protect client information.

14. Right to Refuse or Terminate Services

Annabel van Westerop reserves the right to refuse, suspend, postpone, or terminate services at any time where continuing the professional relationship is considered inappropriate.

This includes, but is not limited to:

• abusive behaviour;

• harassment;

• threatening conduct;

• repeated disrespect;

• discrimination;

• unlawful activity;

• failure to comply with these Terms.

Where services are terminated due to client misconduct, refunds will generally not be provided.

Where services are terminated for reasons unrelated to client conduct, any refund will be considered at the sole discretion of the Practitioner.

15. Force Majeure

The Practitioner shall not be liable for any delay, interruption, cancellation, or failure to perform services resulting from circumstances beyond reasonable control.

Such circumstances include, but are not limited to:

• illness;

• injury;

• internet or telecommunications failures;

• power outages;

• natural disasters;

• government restrictions;

• war;

• civil unrest;

• pandemics;

• strikes;

• failure of third-party service providers;

• or any other event outside the reasonable control of the Practitioner.

Where reasonably possible, affected appointments will be rescheduled.

16. Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the Netherlands.

Any dispute arising out of or relating to these Terms or the services provided shall be submitted exclusively to the competent courts of the Netherlands.

Clients agree that Dutch law shall apply regardless of their country of residence.

17. Changes to These Terms

These Terms may be updated from time to time.

The most current version will always be published on the website.

Continued use of our services following any update constitutes acceptance of the revised Terms.

18. Contact

If you have any questions regarding these Terms, please contact us through the contact form available on our website.

By booking a service, purchasing a product, or participating in any offering provided by Bida by Annabel, you acknowledge that you have read, understood, and agreed to these Terms & Conditions in full.